If so what is the typical limit you can use on the card. You see this is my first time ever on getting a credit card. So im new to interest rates and all of that. But im planning on getting cosmetic surgery this december and i need some extra money so my mom told me to get a credit card to help pay off the rest. So i was wondering if you have to already have the money to use the credit card or do you just pay them back and what is the limit of money you can use on your card. Im planning on paying it all back once i get the money after christmas then i probably wont really use it that much other than here and there after im settled into a job.
2007-11-26 08:37:01 · 13 answers · asked by Anonymous in Business & Finance ➔ Credit
yup, try capital one, they approve you instantly online, they started me out at $500, but depending on your credit they will go highter
2007-11-26 08:39:26 · answer #1 · answered by tlimsisnw7 2 · 1⤊ 0⤋
If you don't currently have a credit history it will be difficult for you to receive a credit card without having to pay a large annual fee or have a good credit limit at a decent interest rate.
A couple of other options are to open a secured card or if you are a student you may have an easier time getting a student credit card.
If your mother will co-sign it will probably help with a regular credit card, but her credit will be damaged if you fail to pay on time or fail to pay at all.
If it is for medical, you might look at GEMB's (GE Money Bank) CareCredit card to see if that card covers the medical procedure you are planning. Also check to see if the doctor you plan on using accepts it. If your dr. accepts it, you can often apply for the card through the dr's office.
If you apply for it on your own, be ready with a dollar amount that you will be requesting - so know how much the procedure is going to cost and add a little to the total just in case there is added costs and so that you will not max the card out.
If you have no credit you will have to have a co-signer.
It is an excellent card for medical procedures since it offers several different 0% interest plans for procedures that cost $300 and up.
2007-11-26 09:18:48 · answer #2 · answered by echo 7 · 0⤊ 0⤋
You can apply for a credit card on-line. If you are approved the limit will be determined based upon your credit score. Interest rates are based on risk. The riskier the customer the higher the interest. As long as you make your payments on time and don't max out the card this will help you establish good credit.
2007-11-26 08:44:11 · answer #3 · answered by cassie 1 · 0⤊ 0⤋
You will be lucky to get a $500 limit the first time. I would recommend trying to just get a direct loan for the medical costs. It will have a much lower rate than a credit card.
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2007-11-26 08:41:38 · answer #4 · answered by Barkley Hound 7 · 1⤊ 0⤋
With you wanting a credit card and being so young , I would just get a line of credit from the bank , where you pay them money and as you need it it gets subtracted .Tha tis one way to establish credit .
2007-11-26 12:28:59 · answer #5 · answered by dolores h 5 · 0⤊ 0⤋
Check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates and rewards, and you are able to apply on line. GOOD, BAD OR NO CREDIT they have the right card for you.
2007-11-27 05:03:52 · answer #6 · answered by GTW 3 · 0⤊ 0⤋
Try Capital One or Orchard Bank. It all depends on your credit and monthly income.
2007-11-26 08:40:06 · answer #7 · answered by spen21 2 · 1⤊ 0⤋
YOU DON'T NEED A CREDIT CARD FOR COSMETIC SURGERY!! YOU DON'T NEED COSMETIC SURGERY!!!
CREDIT CARDS R HORRIBLE AND WILL CREEP UP ON YOU THEN U WILL BE IN DEBT!!!! CREDIT CARDS RUIN UR CREDIT!!!
2007-11-26 08:54:16 · answer #8 · answered by sevndustfan 1 · 0⤊ 1⤋
do you have any type of credit? you can apply for the plastic cash online but the company will send you papers to sign.
2007-11-26 08:41:23 · answer #9 · answered by Anonymous · 0⤊ 1⤋
yes.you can apply to all major credit cards online nowadays.VISA,AMEX and EGGCARD for sure..i think virgin as well...check on he net tho,just to be sure x
2007-11-26 08:40:21 · answer #10 · answered by allabouttheothers 3 · 0⤊ 0⤋