Xtacash » Card

How Much Should I Charge On My Secured Credit Card To Get The Best Credit Rating?

admin — Mon, 21 Dec 2009 12:54:48 +0000

How much should i charge on my secured credit card to get the best credit rating?
I can charge up to $500 on my secured credit card and want to know how much should I charge on my secured credit card to get the best credit rating. I need to build credit because I got none.

How And Why Is My Credit Card Affected When I Open And Close A Credit Card?

admin — Sat, 19 Dec 2009 00:57:29 +0000

I see a great deal at a store to open up a credit card and get a prize or a rebate. If I want the big discount I open the credit card and then get the discount but I don’t want or need the credit card at all.
Is it better to close down this new card or keep it open with a zero balance? How does opening and closing account affect my credit score?

How Does A Credit Card Work And Why Do I Have To Get One?

admin — Mon, 14 Dec 2009 20:58:45 +0000

I just turned 18 and I am trying to get my own place but they said I need to have good credit. To have good credit, they said I have to build good credit, but the only way to build good credit is to have good credit. Why is that? I was looking at credit cards and purchases become way more expensive when you buy them a credit card. So why use one? But to build credit you need to use one. Am I mistaken? Could someone explain how a credit card works please?

What Is The Best Student Credit Card Out There?

admin — Fri, 11 Dec 2009 12:55:13 +0000

I’m a college student with no credit but I want to get a credit card. What are some of the best credit cards for students? I’m planning to make small purchases and paying them off the next month to build credit. What other ways can I build my credit?

What Credit Card Would You Recommend For Someone Trying To Re-establish Good Credit History?

admin — Fri, 04 Dec 2009 00:56:36 +0000

I have decent credit but I had cancelled all my cards when trying to get out of debt. I am now free of all unsecured debt but I need to have a card so in the future I won’t be hurt by having no credit.
I’m thinking I want a card with no annual fee and a low APR. The card would only be used very occassionally and paid off immediately. I have no desire to repeat previous mistakes.
Does anyone have any recommendations for a good card for this purpose?

How To Get A Credit Card With No Credit And No Checking Account?

admin — Wed, 02 Dec 2009 08:54:04 +0000

I’m young with no credit and no checking account. I’ve been looking online and have only come across debit cards or credit cards that require a checking account. Where and how can I get a CREDIT CARD w/ no credit and no checking account?

Is Credit Card Debt Considered An Open Account Or A Written Contract?

admin — Mon, 30 Nov 2009 16:57:40 +0000

I live in the State of Georgia and am being sued over an old credit card that I defaulted on. It has been more than 4 years but less than 6 years since the date of default, so depending on whether credit card debt is considered an open account or a written contract in the State of Georgia, the Statute of Limitations may or may not apply. The Staute of Limitations is 4 years for open accounts and 6 years for written contracts. Does anyone know for certain which type applies for credit card debt in Georgia? The account is with Citibank MasterCard and was opened in the late 80′s or early 90′s. Thanks.

What’s A Good First Credit Card To Get To Start Establishing Business Credit?

admin — Sun, 29 Nov 2009 20:54:32 +0000

I recently started an LLC and would like to start establishing my business credit. What are some good first credit cards to get that will help me establish my business credit? Most I’ve seen want my personal credit as a co-signer for my business, but I would prefer to stay away from that. I mean, what was the point of forming an LLC if my personal credit was going to be taken into account for everything, right?

Are Credit Card Protection Plans Good For Really Really Old People?

admin — Fri, 27 Nov 2009 09:01:07 +0000

They typically run .99 per $100 and the deal (supposedly) is that if after 90 days of coverage, the cardholder croaks, that they credit card amount owed is forgiven. In the case of elderly people in not the best of health and with large credit card debt ($5000+) is this a good idea?
You’d basically be paying $500 a year and betting that you’re going to be keeping a high credit card balance and that you’d be likely to croak relatively soon.

What Is The Best Credit Card To Apply For To Rebuild Credit?

admin — Thu, 26 Nov 2009 12:59:54 +0000

I have a pretty low credit score (597) and want to begin rebuilding my credit. The score is low from charge offs about 3 years ago. Is there a certain bank or credit card that is easier on people like me that will give me a credit card? And yes–I do plan on paying on time. It would be for small simple purchases that I would otherwise buy with cash and could pay off easily each month.