Credit Cards?

Question

I need a credit card immediately. where can i find one that has no annual fee a low percentage rate,and you don't have to have good credit to get it... oh and not with a million fees that break you BEFORE you actually get the card

just to let you know for those who think i am getting my self in trouble. i make lots of money,i need to build my credit for a home loan, it 's not to over spend my limit

Answer 1

If you make lots of money, why would you get a credit card ? if you know that you have the money to pay for what you need, then a credit card might weigh you down.

On the other hand, if you are like me. and make a lot of money, but knows that it randomly disappears from paycheck to paycheck, then you might want to get a credit card. I have been wondering the same thing about credit cards, and I still need to do my research.

Dont get a card, if you have money. If you are independant, and sometimes struggle here and there, go for the card. But be responsible.

If i find anything out I will let you know, you can get in contact with me. Trust Me You KNOW how 2 reach me. by the way. The name's illa

Answer 2

Do you know your credit score now? Before you go off applying for credit cards: Please find out what your score is. You may end up dropping your score if you apply for unnecessary credit shortly before you apply for a mortgage. The average time for a credit card is 2 years. Any period less than that may detract from your credit score. If you must: Try a store card first. They don't charge any annual fees and if you need to establish your credit they are a good way to start. To limit your interest charges, make a small purchase and divide the payments into 3 months. Some states will allow you to break up your purchase payments and NOT pay any interest. I think PA is one of them. Best of Luck!

Answer 3

Desperation is never the time to get a credit card. It only makes things worse. Establish credit first. There are plenty with no annual fees, but if your credit already sucks, the percentage rate will be at the highest possible.

Answer 4

You have a couple options.

----Go back to the yahoo home page and find the credit card banner. it will pre-select credit cards that you qualify with your credit as it stands now.

----Most banks, I know for sure that Bank of America will give you a secured credit card with a $200 credit line. Maybe not that high, but it will help you establish credit and have a real credit card if you need to rent a car.

----Do you have a debit card? That has the Visa logo and will even allow you to rent cars (generally with a $100 cash deposit)

----Try the lower stores like Sears, Hechts. If you can maintain a good payment history for six months, credit card offers will be coming to you weekly.

Word of advice....I'm not called Diva for nothing. Be careful yougn buck. Diva jacked up her credit so bad she couldn't get a condomn from the indian store with a DNA sample. It took me YEARS to recover and it's hard as hell. Now a days people can do background checks, employers want to know if you're a "needy crack head" looking for an opening to rob them of their millions. Only use it when you need to and make MORE than the minimum balance. Good Luck!

Diva

Answer 5

I am not sure why you need a credit card. Do not borrow money for anything that does not make you money. If you need a card for other reasons car rental, motel etc get a bank check card you have a visa that comes right out of your checking account.

Answer 6

if you don't have good credit...good luck getting a no annual fee, low percentage rate card.

Answer 7

No shifting funds on your Capital One card won't enable you to easily yet. you only would desire to pay as much as you in all probability can in direction of your economic business enterprise of united states of america card each month and don't use it in any respect. Clip coupons, downgrade your cable or cellular telephone equipment, consume mac and cheese a pair nights each week. you would be shocked how lots greater funds you will would desire to placed in direction of your credit card bill. it particularly is the wonderful thank you to pay it down. with reference to the Avon account. it's time to talk on your mom. tell her you elect her to pay that off NOW it hurting your credit somewhat in the event that they are calling you b/c she is previous due paying. you additionally can call Avon and notice in case you are going to be taken off the account you would be able to choose your mom's permission to try this yet once you're you able to would desire to and quickly.

Answer 8

Try capitol one. I got one recently & they only took a $19 annual fee from me. And they gave me another chance after i filed for bankruptcy a year ago.

Answer 9

You will need to build your credit by proving that you can make monthly payments to any card that is a Mastercard, Visa, etc. You may need to start with some offers like these (includes promo code in link that makes it easier to get approved):

http://monetizeit.net/z/1696/CD948/
or
http://monetizeit.net/z/1721/CD948/

Answer 10

just go to google, type in "credit card" and look around, there will be thousands of deals to choose from and you can apply online and find out whether or not you're approved instantly.