Archive for November, 2008

How do I get Credit Card Offers?

offer credit card
Hi,
I’m a student and am not comfortable giving my information over the internet. But I must build my credit. How can I get credit card offers?

Tags: , ,

For credit cards, why is it harder to get over-limit penalty waived, compared to getting the late fee waived?

compare credit cards
I have been a customer of a credit card company for many years. I have had a clean record, so the company normally waived a rare late-fee if I ever accidentally delayed my monthly payment.
Last month I got hit by an over-limit penalty because I went a couple of dollars over the credit limit. I called the company and asked for a waiver. This time it was much much harder to get the fee waived — I had to almost cancel my credit card.
I am wondering why the difference between these two types of penalties?

Tags: , ,

How can I use my credit card’s benefits without the credit card companies making any profit?

credit card
I just was approved for both an AMEX blue credit card and a Chase Freedom credit card. Can anyone give me strategies that work while dealing with the credit card companies. I always payoff my debt at the end of the month but will I still be able to collect my benefits while the credit card companies not making a profit off of me.

10pts for that person who answers my question well
I’m not doing anything that is against the law…for that person who references this.

If I pay my CR bill in full…they can’t charge me any fee…yes they are annual fee free….i’m just looking to see who here HAS EXPERIENCE COLLECTING BENEFITS FROM CR Companies

Tags: , ,

What credit card rewards program is best for travel?

credit card
I want to take my kids to Disney in 18 months. I don’t have a credit card and am trying to figure out which one to get so we can save some $$$ on the trip.

Tags: , ,

how to pay back credit card debt? need advice?

compare credit cards
i went abroad to australia, and had to use my credit card while their, when i looked how to pay it back when i was in australia it said you could not pay back using international bank card,
anyway i left it at time and thought well i will need to wait until i get back to UK to sort something out,
im back in UK now, but on the statement that i owe them is 728pound, its not huge amount compared to others in debt i know,but it is for me right now as since getting back ive found it very difficult to get a job,and im also 27weeks pregnant, ive been back now for 8weeks and living with family at the moment but is not suitable when babies here, i need to start getting baby things soon,

what can i do about this, what is the minimum per week you can pay towards credit card debt, right now i actually could only tell them take out 5pound per month and nothing more, as i dont even have home yet or things for my baby,
i had a letter recently about if i dont pay it off in 1week then court, i want to know were i stand before calling them, as what i can do about this, can anyone give me any advise on how to go about this

Tags: , ,

How do you get a credit card to build credit, when you have to have credit to get a credit card?

credit card
I need to build my credit so i was going to get a credit card but in order to get a credit card you need credit so how can i get a credit card to buld my credit because i have no credit at all

Tags: ,

Instant Credit Cards?

Credit card application
I have horrible credit. I get denied by all credit card applications online.

is there a credit card that will accept me?

Tags: , ,

pls read this its due tomorrow tell me if its good (but i havn’t finished it) and wat title i should give it?

compare credit cards
Bang! “pause” Bang! I stopped typing my worldwide story because I heard some mysterious noises coming from the apartment room downstairs. I waited to see if there would be more mysterious banging sounds. Surprisingly there was none. I wanted to finish typing my worldwide story before I forgot all about it (that is kind of silly for me to say because I have excellent memory) but I also wanted to investigate. I quickly made my decision and I walked back to my laptop to save my unfinished story. I ran down 2 fleets of stairs and went to the apartment. I extracted my credit card and went to work with the door. But I saved the trouble because I quickly found out the door was already unlocked. This was kind of lucky for me but I think the person had made a quick escape. I peeked into the room to see if anyone was around. I scanned around for suspicious objects lying about. Everything looked completely normal. The clothes were piled up innocently about and the furniture had not been moved. Now I haven’t been to this apartment before but I could tell that this was a neat and clean apartment owned by a neat, clean and organized person. This person would also make the perfect suspect. I had only seen the person a few times. I remembered that I had accidentally bumped into him while coming up the stairs. When I had apologized he blushed and stuttered “Ss.s.sorry”. I immediately pitied the man so I said “Don’t worry about it okay, it was my fault really, I wasn’t paying any attention”. So anyway let’s get back to the living room. I walked around the room carefully incase I left footprints. Then I made my way to the bedroom. I saw a bed ready for its master. I went into the study room and I found a battered wallet. Inside the wallet was an ID card belonging to a man by the name of Gregorvitchimeh Wilson. The photo was completely different to the man I had met unless he was a visitor but wait, that can’t be he does live here because last time, I had seen him unlock the door and went inside or he could probably be Gregorvitchimeh’s partner. Anyways I took out my purse from my little handbag and placed the ID card in it. I lifted my ID card and skimmed through it comparing mine to Greg’s. Oh I just remembered something utterly important. I have forgotten to introduce myself. Hi, I’m Gwyneth Jezebel and I’m a journalist as you have probably guessed. I write worldwide news and I’m now writing an interesting story. But for now I am taking a break to investigate some really non-everyday sounds. Well anyway let’s get back to what I’ve started. So I searched the study room one last time to make sure I didn’t miss a single thing. I decided to go back to bedroom. I looked under the bed and oh boy I found something. I found a pair of elf sized shoes made in Holland and made from fragile china with a blue painting of a windmill. I also found a Rome tour guide book and placed the two items in my coat pocket. I closed the main door behind me gently and I headed back to my home.
When I unlocked the door and I immediately felt something was wrong. And I was right. My neat home was really messed up. I guess while I broke into someone’s house someone else had broken into mine. What bad luck! I called my best friend Leslie because she’s the commander of THE POLICE. When she answered I politely asked how she was feeling and how would she like to help me. She responded “ I’m fine and it depends what it’s about before I decide to help you” “not that I don’t trust you”. So I quickly filled her in the details and she mumbled thoughtfully. She said she would love to help. I told her to be quiet while I tell you some things that I had found in the home downstairs. I told her about the elf shoes and the book. She asked me if I had checked inside the book for clues or circled objects and I replied “I’ll get to it”. I said goodbye and hung up. I reached for the book from my study desk and I flipped through the pages randomly hoping that my good luck was winning over my bad luck. At last I have found a page with a corner folded. I noted that down. I went through the book again in case I missed any more clues and I had. The first page had a note saying 5pm and in the back pages of the book there was an address that was circled. I went to my bedroom to get my mobile phone when I noticed a 2 weeks old newspaper lying on the floor. I picked it up. I don’t remember seeing it before and then I saw a small but very clear clue. An X marked a house out of many. I skimmed through the article and found the address.

nd also tell me if i should improve it…
btw i cant change the journalists name, clues (newspaper, shoes, rome book etc…)
nd gimme suggestions on how to end it. oooooh nd gimme an idea of wat to write about clues (migration form, a photo [with a birthday happening wit 2 women, a lil girl holding bday candles in each hand nd a man] nd 2 postcards…)
thanx pls NO STUPID REMARKS ND CRAP! just help me improve it or tell me its alrig

Tags: , ,

What Credit Card Company is good for Paying for my Wedding Exenses?

credit card
I will be getting married in May and Need my first credit card to put some of the expenses on. What is a good credit card for first timers with a low apr and intrest rates? I have never had a credit card and need one.
Thanks

Tags: , ,