2006-12-10 13:11:45 · 7 answers · asked by scgraphix 2 in Business & Finance ➔ Credit
Well I have never had credit card; major or store. So what do I do to get one?
2006-12-10 13:46:20 · update #1
I suggest you first understand just what goes into your credit score :
http://financialbasics.blogspot.com/2006/11/credit-reports-and-credit-reporting.html
Then you'll be better equipped to improve your current score AND keep it up :
http://financialbasics.blogspot.com/2006/11/its-your-credit-take-care-of-it.html
Credit is a numbers game. The better you understand the system, the better off you are.
2006-12-10 23:30:49 · answer #1 · answered by Anonymous · 1⤊ 0⤋
There are usually all sorts of credit card offers on the internet, as well as by mail.
To improve your credit score, use that one card to purchase something that you can afford to pay in one payment.
When the statement arrives the following month, pay it off.
Then do the same thing the following month. Pay the full balance, and on time.
Before you know it, your credit score will start to improve.
2006-12-10 23:27:21 · answer #2 · answered by Ambassador Z 4 · 0⤊ 0⤋
Reduce your credit cards to 3 or 4... keep the ones that have been open the longest (close the newer ones) - also keep your open balances at 15% or less of your available credit... and as always pay on time
2006-12-10 21:16:11 · answer #3 · answered by always 2 · 0⤊ 0⤋
If you have any outstanding balances on old bills or that have gone to a credit bureau, pay them. Then all you need to do is pay any monthly bills on time and acquire credit card or accounts from any store e.g. Macy's, Gottshocks, Target, Chevron and pay monthly payments regularily. This establishes a history of financial responsibility. That's what they're looking for.
2006-12-10 21:32:13 · answer #4 · answered by cklittle 1 · 0⤊ 0⤋
Cut up all you credit cards, pay off all those cards, pay off all your loans, then stay out of debt and learn to live on your income.
2006-12-10 21:15:22 · answer #5 · answered by Pablo 1 · 0⤊ 0⤋
haha yeah dude just pay your bills on time, pay them off within a reasonable time period and make sure you dont over budget yourself, for example getting a new credit card to buy somethin else you cant afford on a previous credit card. its just a matter of smart financial management. i think they might even have financial management programs of some sort i dunno you would have to do some research on that.
2006-12-10 21:41:10 · answer #6 · answered by ? 5 · 0⤊ 0⤋
Time, and proper account management.
2006-12-10 21:13:49 · answer #7 · answered by traciatim 3 · 0⤊ 0⤋