I just been lookin online to apply for a credit card to get money then pay back cant seem to find nowhere
2006-10-04 14:08:08 · 8 answers · asked by Crystal B 1 in Arts & Humanities ➔ Other - Arts & Humanities
you need a checking account so you can make your credit card payments.
Credit cards are a financial tool which provide convenience. If you don't have any problem paying in cash then don't get a credit card.
Credit cards are NOT for managing debt. The interest rates are outragious. Always pay your bill in full each month. Never buy something you cannot afford to pay off that month.
2006-10-04 14:09:16 · answer #1 · answered by Plasmapuppy 7 · 1⤊ 1⤋
The single most important factor in getting credit cards is proof of a good source of income. Prove you have a job that leaves you disposable income, and you can get a card even with a fairly meager bank account. I know the cliche is "they only give you credit when you don't need it." And to an extent, this is true. But in fact, once you have proof of decent income, the credit card offers will start rolling in, and you will find that banks and credit card companies will be only too glad to give you so much credit, you will never be able to get out from under the debt you incur taking them up on their offers.
The better your income, the better risk you are for the credit card company or bank, and so 1) the more credit they will extend you at the inception of the card (it will automatically increase over time) and 2) the lower the interest on your card wil be. Excellent credit will get you an interest rate anywhere from 5%-9% on a new card; less good credit may get you a 12%-20% interest rate. Over time, if you do not keep the card caught up and paid off, this higher interest card can crush you with huge debt.
Good luck.
2006-10-04 21:14:16 · answer #2 · answered by martino 5 · 0⤊ 1⤋
You cannot get a credit card without a bank account. They want to see some kind of "history" on you as well.
2006-10-04 21:15:39 · answer #3 · answered by Delta Charlie 4 · 0⤊ 1⤋
Just say no if it ask you for a checking account.
I used to pay my credit card by money order until I decided to get checking account and used the credit card website to pay my bill.
I don't trust payment centers anymore.
In the U.S. you don't need a checking account to get a credit card.
2006-10-08 18:40:42 · answer #4 · answered by webworm90 4 · 0⤊ 0⤋
You can't get a bank credit card without money in the bank. What you can get is a charge card on some stores - they issue them, or you can get a Bankcard, which allows you to charge items up to a certain amount. These have to be paid back monthly.
2006-10-04 21:38:22 · answer #5 · answered by Anonymous · 0⤊ 1⤋
i really do not think you can....you have to have a checking account or savings account to have a credit card....they have to have some way of making sure they get their money...
2006-10-04 21:15:22 · answer #6 · answered by sanangel 6 · 0⤊ 0⤋
how are you going to play for what you get on credit with out a banking account/ checking account.....do you know that "CREDIT" means ,,get it now, pay later....
2006-10-05 17:34:13 · answer #7 · answered by mark22059 3 · 0⤊ 1⤋
Your only option really would be a secured card, which normally requires a $200-$300 security deposit.
2006-10-04 21:34:21 · answer #8 · answered by trishopesisters 3 · 0⤊ 1⤋