I am getting married end of this year and would like to have a beautiful wedding but as we all know weddings are expensive, i dont want a fancy wedding just one i wont forget .So i guess i just want a credit card to make my wedding dreams come true with no worries.So does anyone know anyone that can help.
2007-07-26 16:28:39 · 14 answers · asked by foxychick 1 in Business & Finance ➔ Credit
There are more that a few lenders who specialize in credit cards for people with bad credit. You just have to look a little harder than most people have to.
And getting a card after you've had a few problems doesn't necessarily mean that you have a higher than normal rate. Like, I said, you'll just have to compare between credit lines, yearly fees, and interest percentages. Just make sure you do your homework BEFORE you commit, and you'll be fine.
You can find some offers for credit cards, both secured and unsecured here:
http://www.axalda.info/bad-credit-cards.html
2007-07-29 08:38:05 · answer #1 · answered by Anonymous · 0⤊ 0⤋
How about putting the wedding off for an extra six months and saving up for it? You will learn a terrific lesson and won't start your marriage off in debt. It's easy to run up charges and say, "A thousand dollars for flowers? Sure!" but when you're paying in cash, you're much more aware of how much things cost and how much it takes to buy it. If you pay with a credit card, the cost of your wedding will go up 30% because of interest rates, and that is if you pay it off quickly. You can't have both dreams and no worries, better to put the dreams off a bit and have them without worries than be worrying on your wedding day about when the bill will come in the mail.
2007-07-27 01:06:37 · answer #2 · answered by Katherine W 7 · 0⤊ 0⤋
My best advice to you would be to have the best wedding possible without running up credit card debt. Your marriage is the most important part and starting without a big credit card bill (with outrageously high interest since your credit is bad) is the best gift you can give yourself and your new husband. Save up as much money as you can, hunt for bargains, ask for help from family and friends. Have a blessed life.
2007-07-26 23:39:20 · answer #3 · answered by butrcupps 6 · 0⤊ 0⤋
DO NOT start your lives together in debt. I had a BEAUTIFUL wedding on a budget and only used cash. No one could believe it did not cost a fortune. If you saw the pictures, you would not believe everything was done in only ten days. Check out "www.womenswallstreet.com" or "www.bankrate.com" to compare good credit card offers if you still want a credit card.
2007-07-26 23:43:26 · answer #4 · answered by Anonymous · 0⤊ 0⤋
From what you've said about your current and past credit, I would try to get a personal loan instead of a credit card. Your intrest rate will be better and you can have your fiance cosign for you so you have a more likely chance of getting approved. Since you haven't been able to manage your credit and money well in the past, a loan will be paid off and be good for your credit, where if you get a credit card you will be more likely to keep spending more money after you pay it off again. This could cause you to get further in debt.
2007-07-26 23:35:13 · answer #5 · answered by BlackDahlia 5 · 0⤊ 0⤋
A Credit card for people with bad credit is a form of borrowing that often involves charges. So it's wise to compare terms and fees before you agree to open a credit or charge card account. Try looking for a credit cardwhich credit cards you should apply for? Shop around because not all credit cards for people with bad credit are created equal.
2007-07-29 13:22:34 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Even though your credit may be bad, there is one website we found and maybe the only source to get a unsecured personal loan with a credit score as low as 520. A credit community website called prosper.com, which is a marketplace for credit that enables people to lend money to other people in a safe, efficient manner.
2007-07-27 00:03:34 · answer #7 · answered by Anonymous · 0⤊ 0⤋
prosper.com lends on a peer-to-peer network. the interest rates are not the best, and depending on the state you live in, it may be capped. Since you are (accoring to your credit) a risk, you will want to have a high interest rate on your loan to get it funded. But you stand a chance. check it out!
A credit union is your best bet for a loan. Cards that you might be able to get (orchard, cap one) would only be $200-$300 and that woul not even make a dent in what you need.
A Credit Union loan (possibly with a co-signer) would possibly get you a few grand, that could make it happen.
In general, to get you started on credit repair, go to creditboards.com
2007-07-27 00:13:20 · answer #8 · answered by J@$ePh 3 · 0⤊ 0⤋
Two years after my bankruptcy Capitol One let me apply for a Master Card and accepted me.
Since a failed application will reduce your credit rating I would only try a few places and I would NOT try the Discover Card. They are known for not taking people with less than perfect credit.
2007-07-26 23:33:18 · answer #9 · answered by Dan S 7 · 0⤊ 1⤋
Try looking into a "Student" credit card, most have no credit checks, but are around 18-24% interest, yikes!
2007-07-26 23:32:08 · answer #10 · answered by Anonymous · 0⤊ 1⤋