The unsecured card offered me a 9.9%apr but after fees a balance of only 50- 70 dollars where the unsecured offered me 17.88%apr initial 250 deposit and $20 weekly payroll deduction with my credit union. Which offer is better?
Archive for July, 2009
I filed for Chapter 7 bankruptcy around January 2005 and was discharged somewhere around March or April 2005. I have been getting credit card offers ever since. I think I remember my attorney saying that it would be ok to get a credit card after a year or so after me being discharged. I don’t even know if a credit card company would approve me and if they did they’d probably have me pay the $200-$300 or whatever amount it is. I’ve lived without credit cards for over 2 years and if I got one it would be for emergencies only. Any advice please.
I have recently applied for a Citi card online. On the online application it said that I was going to get a response in about 5 to 7 days or if they needed more information then it could be longer. Two days after I applied, I got a message on my answer machine from a lady saying she was calling from Citibank. Something that she needed to verify some information about a transaction they received.
Now, is this normal? Do someone call after applying for a credit card online? Have anyone received a call like this before?
Thank you
Now, is this normal? Do someone call after applying for a credit card online? Have anyone received a call like this before?
Thank you
I’m a college student, and there are lots of guys around campus giving away free sandwiches if you fill out credit card applications. I’ve filled out a couple with totally false information because I really needed those sandwiches. Can I get into trouble for this? I DO NOT want a credit card, but I DO want sandwiches.
My Dad’s credit card was stolen. He canceled it and got a new one, but he is now trying to figure out how to change the credit cards attached to various websites and such. He has either XM radio or Sirius (they are the same thing now, right?) and is tryingto change the credit card number associated with it. He isn’t very tech savy. How would I go about doingthis for him.
Not the stuff they mail you, but other junkmail you need to get rid of. They have taken the time to pay the postage!
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.
So you have received a credit card application? You know what it says, but do know what it really means?
What it says: “You have demonstrated financial responsibility…”
What it means: You’re breathing!
What it says: “Our membership is difficult to obtain…”
What it means: Death row prisoners are not eligible… in most states!
What it says: “We have shortened the application process…”
What it means: “We need lots of new members fast or we’ll go out of business!”
What it says: “You have no predetermined credit limit…”
What it means: “We’re not worried, we employ the Break Your Legs collection agency.”
What it says: “Exceptional Customer Service…”
What it means: Except when you need it!
What it says: “Trained customer representatives await your call…”
What it means: “This is the part you talk into, and this is where you listen. Any questions?”
What it says: “To apply for membership, fill out this short form…”
What it means: You’ll get the long form later.
What it says: “You may direct us not to share this information with anyone else…”
What it means: “Catch us, if you can!”
What it says: “We look forward to receiving your completed application…”
What it means: “We baited the hook, let’s see if anyone bites!”
What it says: “You’ve been pre-approved…”
What it means: “You’ve been pre-approved to be Rejected!” or “We’ve already prepared your letter of denial.”
What it says: “You have demonstrated financial responsibility…”
What it means: You’re breathing!
What it says: “Our membership is difficult to obtain…”
What it means: Death row prisoners are not eligible… in most states!
What it says: “We have shortened the application process…”
What it means: “We need lots of new members fast or we’ll go out of business!”
What it says: “You have no predetermined credit limit…”
What it means: “We’re not worried, we employ the Break Your Legs collection agency.”
What it says: “Exceptional Customer Service…”
What it means: Except when you need it!
What it says: “Trained customer representatives await your call…”
What it means: “This is the part you talk into, and this is where you listen. Any questions?”
What it says: “To apply for membership, fill out this short form…”
What it means: You’ll get the long form later.
What it says: “You may direct us not to share this information with anyone else…”
What it means: “Catch us, if you can!”
What it says: “We look forward to receiving your completed application…”
What it means: “We baited the hook, let’s see if anyone bites!”
What it says: “You’ve been pre-approved…”
What it means: “You’ve been pre-approved to be Rejected!” or “We’ve already prepared your letter of denial.”
I have a checking account with bank of america. I’m a college student. So should i apply for a student credit card since I don’t have a credit history? Is there a maximum amount on the card? Someone told me that a credit card from Bank of America has a maximum amount of $500. Please do give me the best suggestions. Thanks.
I am now in a very bad stage of my life. Any help will be most appreciated.
I am 20-years-old. My family and I are (legal) immigrants. I am about to start work within the next two weeks. I want to move out and work, live and pay for my college, on my own. (I just withdrew from a Tier 1 university where I was a physics major; I have goals in life; I am not one of those bad immigrants)
Here’s the problem:
I don’t have a credit card/credit history. And the apartment office told me something about requiring the credit application. How can I do this?
1) How fast can I get a credit card after I get work?
The rent is only $389, which I can manage.
2) But how do I get the credit history?
Please assume I can get little help from my parents. I am on my own. Please help me out. I am not completely familiar with the housing business.
Thank you both for your answers and support.