How can I achieve a Credit Card if I'm solitary 19 years elderly and live within Puerto Rico?
Question:I live in Puerto Rico, and I urgently want a credit card for emergency, but in adjectives banks I obligation to be 21. Which bank is suggested. (sorry for my doomed to failure spelling)Answers:
Try to apply for a student credit card, since it's the only nice of card that pretty much doesn't expect you to have prior credit history. Capital One or some of the business-affiliated Chase cards are a perfect bet (i.e. a "Starbucks" visa, really offered through Chase).
Note that you don't have to gain a credit card from a bank--it can be a credit union or of late a credit company that isn't a bona fide bank, which may not hold the same age restriction.
I'm not sure how much presence Bank of America have in Puerto Rico, but they own a multitude of credit products for all kind of people, probably you could find out with them?
Other Answers:
did you try suntrust dune?
i believe they are based out of Atlanta, GA. i also believe that they own a good customer underpinning in Puerto Rico.
what something like capital one? they give the impression of being to give credit to anybody.
Those bank mentioned above (suntrust,capital,bankof america..) do not operate contained by Puerto Rico.
Try Banco Popular de Puerto Rico or Banco Santander.
Can your credit record/score jump down from cancel a credit card?
Question:... when the balance is rewarded off. I'm thinking around getting a credit card to establish credit (I have NONE right immediately and I'm almost 21).Answers:
Yes it can. Part of your credit score is calculated by looking at your available credit and your used credit or credit harmonize as a percentage of that available credit. So if you cancel a credit card, your available credit go down, your used credit or credit balance at that point however remains impossible to tell apart, so the percentage of balance to available go up which will drive your credit score down.
Example: You own two credit cards, one $100 the other $200.
On the $100 you have used $75, which is your outstanding set off. On the $200 card your balance is $125.
So your be a foil for to available credit is ($125+$75)/($100+$200)x100% = 66.67%
Lets say you salaried off the $100 credit card. Now your harmonize is $125. So that same percentage will now be
$125/($100+$200)=41.67%
If you very soon cancel the $100 card, your available credit become $200 individual. However your balance is still $125. So the percentage become $125/$200=62.5%
As you can see your credit usage went up from 41.67% to 62.5%. This will hurt your credit mark. Therefore if you pay up a card, don't overthrow it. Just don't use it.
Other Answers:
I've been told that a credit card beside a zero be a foil for adds 25 points to your credit ranking... keep it....
No although you would approaching to keep it amenable and use it sparingly. even though you pay the stability when you go to buy a house, mortgage lenders similar to to see a certain amount of balance, credit limits, and even length on tale activiy. these things factor greatly to your chances for better rates. so if you carry one, use it sparingly and keep payments prompt or pay surrounded by full. and do not exceed 50% of the available limit. once you do that, later you score will start to budge down Yes, but not right away. A few months of inactivity and you will lose the benefit to your credit that you have while you were actively using a credit card.
From what I realize, cancelling a credit card can put a splodge on your record that some credit companies might find disturbing, but it should not affect the number mark you have. If you wish to cancel a credit card, be sure that you ask the credit card company to show "per customer request" on the credit report at the reporting agency.
Also, as I get the message it, to establish credit, you will need to fetch a balance and kind adequate payments for at least possible six months before the credit will show on your report.
Make sure you receive a credit card with low interest and no annual tax if you want to use it to carry a symmetry and establish your credit.
Keep in mind that any debt you hold might hinder your fitness to get further credit for focal purchases, such as automobiles or real estate, whether you own a high gain or not.
Source(s):
Experience with debt. The Dark Knights answer is absolutly correct, further more the credit bureaus pay packet no mind to whether it was closed by the lender or consumer. If the card is surrounded by good standing preserve it! In fact see if they'll increase your hinder! You could improve your win by having more available credit. I'd donate the 10pts to Dark Knight he hit it right on the head of the pin, though I won't complain if you send them my instrument!
Source(s):
Auto and mortgage loan specialist for 8+ years
Only 21 and already owe money on 3 credit cards?
Question:Im 21 years old and my husband is living within another country and of course i enjoy spent a lot going wager on and forth, well on credit cards. i hold 3 of them, one is $3200, next $1100, and later $500. I work for children services, its a government agency and i love my work but I don't find paid ample, only $400 a month. When I do win paid its previous the date the payments are due. So im always unsettled or there are times I don't wages. I'm ruining my credit, what can i do so I can only enjoy one payment for adjectives of them and does anyone know of a fast opening to get money, i really stipulation help.Answers:
Thats profusely of debt for a 21 year old, capture credit card with a $10,000 symmetry. You can get a lon from the ridge, and pay stale the bank, which they usually hold lower interest rate.
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http://www.bestcreditrates.net
Other Answers:
Find another errand and stop going abroad for awhile or label it up in your mind to live out of the country, but dont ruin your credit. But, really if my husband were in a foreign country that is where on earth I would be.
If I only know when I was 21 what I know very soon.
Like the others said, I would concider getting a part time situation. If you have kids this might be a problem though. Deffinatly stop going overseas for a while or create your husband front the bill. After all you are married. Maybe your husband can give support to with the payments on your cards. If your credit isnt too messed up, possibly get a credit card that does 0% interest on match transfers and pay it that instrument. Try a consolidation loan. If you own your vehicle free and clear get a loan where on earth your car is your colateral. Or better even so, call your creditors and try and negotiate a lower interest rate. But do something 21 is too childish to have desperate credit. But at least your still babyish enough to correct it.
how do win a mortage next to discouraging credit (after a divorce)?
Question:Answers:
There are a lot of lenders that work next to people who enjoy poor credit, you just hold to find them. Go to www.getsmart.com, lendingtree.com, or compareinterestrates.com and submit an application. Just make sure you state that your credit is "poor." The companies convey your application only to lenders who work beside poor credit.
Other Answers:
no i dont get
Hello. - Links Below.
Good Luck.
Have a nice hours of daylight. :)
Source(s):
http://www.G00GLE.com/search?hl=en&sa=X&oi=spell&resnum=0&ct=result&cd=1&q=how+do+I+get+a+mortgage+with+bad+credit%3F&spell=1
http://books.G00GLE.com/books?q=how+do+I+get+a+mortgage+with+bad+credit%3F&hl=en&lr=&sa=N&tab=wp this is a great resource of banks that lend to inhabitants in your situation
http://www.wesayes.com
I own several credit cards near nil on them. Should I end them?
Question:Does it help or hurt your credit rating to keep hold of credit cards with no diversion?Answers:
it does help to use at lowest one of them sparingly. keeping these accounts open will look worthy as far as length of account spread out but with nil on them it won't really do you much good. if you're sleepy about using your card (which you should be) use it ONLY for gas and groceries. pay cheque off respectively month in full and no behind payments. that will significantly increase your score down the road.
Other Answers:
Yes overthrow them! Although you could check with your credit card policy. Some will still report flawless credit with no symmetry but others will report bad. Credit cards are fruitless news anyway so I vote cancel them -- run down the risk of using them.
It can hurt your credit in some cases.
no save them and give me the numbers while ur at it
Absolutely not! It is better to enjoy more lines of credit. You should keep them helpful though. Charge a gas of tank or something on respectively one every month. That will keep your credit rack up higher.
It does effect your credit evaluation in jargon of "potential" debt ratio. Some finance company's will consider adjectives of your "potential" debt to determine if lending to you is a liability. They own to consider that you could max out each depart account and afterwards you would owe that much as well as doesn`t matter what they are lending you.
I would end them. Not only will your credit rating be altered by have inactive cards, you would be impressively tempted to attain into serious debt by having them.
It will count against your credit rating. Just because you don't use them doesn't issue. The banks look at potential debt when you step to buy a house or take out a life-size loan. For instance, you could take out a loan next start using the credit cards to their maximum amount. That could put you in over your principal. You should pick one or two major credit cards to hang on to for emergencies consequently freeze them in a block of rime. That way you own them in an blatant emergency. I'd pick the ones without an annual duty or if they do have an annual allowance, just phone call them when they charge it and tell them you want it removed. They usually do it.
economically it depends. Keeping them if you've had them a long time shows on your credit report as have had them for a long time. This help by showing when you established credit. For instance an account you've have for 10 years in fitting standing is a good piece whether you've used it or not. as opposed to a few you've have open for 2 years.
Yes, it hurts your credit rack up if you have a bunch of cards that are immobile but if you cancel them it hurts you even more so your pretty much stuck if you already get a bunch of cards but on the other hand if your in recent times starting out most credit card experts say to bring no more then two credit cards inorder to optimize your score.
-----leave the oldest account approachable no matter what you resolve to do with the others.-----
the longer your credit history, the greater your score.
you will want to charge approx. 10-20% of your credit define every few months and pay it stale on time and completely.
Credit cards are one of the best ways to build credit for things resembling cars, which build credit for things like houses.
I can bring up to date by the fact that you own nothing on the accounts that you hold the financial willpower to keep amenable credit without using it. hold on to some credit open. also, the 10-20% is a rough guideline
never move about over it but keep as far beneath it as you need to within order to pay cheque it off every time you get hold of the bill.
-----close each picture that you decide to avoid over time, you do not want to close more than one or two accounts per month, one every other month would be ideal.-----
It doesn't hurt, if you own inactive credit card. It single hurst when you get latest cards. If you don't use it for one year, it gets revoke.
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http://www.bestcreditrates.net
Plenty of correct advice here.
Source(s):
http://www.credit-cards.jims-info.com/
It does hurt your evaluation, but canceling them can also decrease your credit win. If you think you hold too many cards you should abolish the ones you don't use but keep one or two that own been around awhile.
crdit seven years?
Question:when they say unpromising credit stays seven years is it the date it was open or the day of finishing activityAnswers:
Your credit reporting spell begins on the hours of daylight of the delinquency.
Lets say you enjoy a credit card, and the bill was $500 due January 1, 2004, and you missed the expense. That is the beginning date.
If you clear $20 toward the debt, that does NOT change the delinquency date, because you still owe a harmonize. It will, however, change the Statute of Limitations.
For more information on this, check out the knit below.
Is nearby a place I can prospect my credit mark for free? My reports I hold see, but they adjectives want $ for mark.?
Question:Answers:
If you want to "play the game"...
Go to www.freecreditreport.com and sign up for their service. Once you have your reports/scores you can quash.
Be sure to carefully follow the instructions or you will finish up getting billed.
There are no free sources for getting your credit score. The decree only provides annual credit reports.
Other Answers:
annualcreditreport.com (it's free).
yes apply for credit you know you cant take, when they deny you . the law states you enjoy 30 days to receive a credit report (free) transunion equifax or other will be listed on the consideration of denial. send surrounded by a copy or follow the instructions in the dispatch and they will send you your current credit report.
What is the best company to use to get hold of a secured credit card?
Question:Answers:
Orchard Bank or First Premier Bank are two good ones.
Other Answers:
It adjectives depends on what you are looking for - - cash fund, airline points or rebates ?
I believe airline points own a lot of restrictions and aren't worth it unless you really spend seriously of money by using your credit card
Cash back, by Citi card, is dutiful
Source(s):
http://ezdough.blogspot.com/
http://www.bajika.com
you'll find plenty of choices for credit cards here
http://www.wesayes.com The two most widely recognized and most used companies for secured credit cards are Providian and Capital One.
Capital one is correct IF and I mean this sincerely, DON"T crease with them. If you do they will hound you till you want to shut bad your phone.
But, as far as service and credit reporting on how well you're doing and giving you more credit as you prove your responsibility they are honest. GOOD LUCK
can I seize a sports car loan?
Question:I collect disability and need a hot car are in attendance any places that will give me a small loan? similar to $1500-$2500 and if so can I do an online application my monthly income is low (under $500)Answers:
I would try americredit.com (they do risky loans)
or put that amount (since that is small) on a credit card
resembling orchardbank.com and go from at hand
the card is gaurenteed for ANY CREDIT
Other Answers:
you can. try some auto places who does their own banking. surrounded by house banking.
you can attain a loan as long as your monthly payment is not more afterwards you money Yes with a n
trust me ANYONE can bring back a car loan, you might in actuality have to grasp a larger one to be able to though.... they want to clear their money
see if anything here is valuable to your desireshttp://www.wesayes.com There is some good info here.
Source(s):
http://www.all-about-loans.jims-info.com/
software for credit repair business?
Question:my friend is starting her own business for credit repair she is wanting to know the name of diff credit repair software that can be used by business owners.Answers:
There's no entail to purchase software to repair one's credit. It's a simple process that an individual can do on their own.
I would advise your friend to find another business.
If a credit card charges your debt stale, does this enjoy anything to do w/ your income levy return?
Question:Answers:
Yes, the IRS will consider the charged off amount as income to you. The company that charged rotten the funds will send you a 1099 within January of next year and you will hold to add that amount to your due return paperwork.
Other Answers:
no it does not. a charge off funds that they could not collect on your debt, and they did a write off. they may shutting down up selling your dept to a third party company that will try to collect from you. this could turn on for years and years. it will stay on your credit report for a very long time. especially if the debt is sold over and over again. the singular time it will effect your tax return is if they procure some kind of a court writ to do so.
Nope. Two different things here. This does not have anything to do near your income tax return. The debt is not forgiven when the creditor charges it stale. It is actually transferred to a collection agency or other debt buyer.
If you settle the debt for an amount smaller amount than you owe, then at that point it would enjoy an impact. Anytime a collector settles a debt and the difference is $600 or more, they have to report that information with the IRS. This forgiven debt is treated as a form of income and you will own to pay taxes on it properly.
Source(s):
www.managedebttoday.com it is the biggest scam ever.. Chargeoff... Not only does it screw your credit... but does nil to eleminate your problem. As in a few months some uneven lawyer who hate the world is going to start harassing you becuase he will get 20% of what ever he can find you to cough up... Then even if you agree to it and settle the debt, it won't change the status on your credit, it won't variation the amount that you "got surrounded by income " according to the IRS due to the orriginal charge off. I be pissed off when this happen to me.
I ran into some problems. All of my creditors worked beside me putting my accounts on hold and simply allowing me to pay the interest as I have done a lot of work getting affidavidts signed and sent explaining my situtaion and my proposed solution. adjectives of them were great, except providian financial.. I have my card with them for nearly 5 years have charged and paid nearly 10 imperial on this card in that time span and currently owed 1100. In 6 months my go together skyrocketed to 2400. They had changed my mark out just after I call "to prevent me from charging more" and then put contained by me in adjectives of the default rates and fees. When I made attempts to bar it when I could 6 months later they said screw you... and so I thought in good health hey I can't pay this reimbursement and they are screwing me.. so screw them... um no... so contained by a years time my balance go from 1100 to 3200 and i got a charge sour. Then I had happend what I described up within... agreed to pay 1300, which be what I had charged to instigate with as far as my paperwork could show. Then it was pointless, but I live contained by a garnishment state so they would have taken the in one piece thing. At that point I realize that I had be so screwed around and there be nothing that I did more or less it... had I have the money I would have taken them to court and fought it... which sucks as a realness... so i changed that, so I will never get screwed around again. For more info check out my "protect your family" blog on 360 as all right as for more info on credit and your identity check out my "your identity" blog as well....
The funny article is all of my other creditors adjectives 8 of them and 15000 dollars worth of debt was remunerated off as owed inwardly a few years of the event. Just goes to show what somewhat customer service and understanding will do...
Is it best to pay-off a credit card or preserve a small harmonize on it?
Question:Which looks best on your credit?Answers:
you should pay it stale each month to avoid paying interest.
budge ahead and use you card each month, so that your story has distraction on it, but just use it similar to a charge card (not a credit card) and pay it bad each month.
Other Answers:
Keep a small match.
Pay it off. Thay opening your balance can't build up interest. If you wage it off you will ruin up giving the credit card company less money.
Pay it rotten. I am a loan officer, pulled hundreds of people's credit. The best scores I own ever seen belonged to peolpe who have almost or no debt. Check out www.myfico.com. That site belongs to Fair Isaacs, the company who created the FICO score for the credit agencies.
Never own more than 50% of your available credit used up and always rate more than the minimum payment and yes, cause purchases and regular monthly payments to establish a payment history for your credit report/score.
The cross-examine WAS which looks best on your credit right? You can still pay bad your monthly purchases in full to avoid nouns charges. The question WASN'T how to stockpile money.
pay it sour. Don't pay any interest. The reality you have a credit card will look well brought-up to the credit companies. Just don't be late on your payments...this looks fruitless.
Depends on what you are doing..are you rebuilding credit? if so..then you will want a small match ...doesnt need to be much..but of late to show you are paying monthly..if you are not rebuilding your credit...then you can foot it off.. enlarge credit can look either flawless or bad..depending on what you are attempting to do.....
Always income it off, you don't want to clear interest on it.
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http://www.bestcreditrates.net
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I'd remuneration it off monthly, unless you resembling giving money away. If that's the case, however, email me ;)
Source(s):
http://www.my2centsonline.com
uhh..pay envelope it off! why would you want to spend nouns charges every month?
I'm trying to seize a loan near doomed to failure credit and to be exact not a home loan or a payday loan.Can you give a hand me?
Question:I want to get a loan and i enjoy really bad credit and i dont want a home or a payday loan.Can you minister to meAnswers:
Don't we all?
Good luck, no shortcuts for the loads
Other Answers:
Go to prosper.com. It worked for me.
I went to wesayes.com and I rewarded the fee. (someone give me the same website when I asked a similar examine here) All I got be a list of lenders, adjectives of which I have already found on the internet by myself. I get ripped $25 and nothing to show for it. I can't grasp my money back because it wasn't guaranteed. I found allworldprivatefunding.com that match people near personal lenders. I haven't heard anything from them all the same, I just posted today. If you are going to put any money down for someone to dig out for a lender, be sure that it is refundable.
How Do You Go About Getting An Ebay/PayPal Credit Card?
Question:Answers:
eBay is the largest online marketplace and one of the most popular ways to earn an income from home next to a PC and internet connection. Selling on eBay is inexpensive and flowing to start. Ebay has several tools for sellers to maximise sale. These are eBay Pulse, Hot items report, merchandising calendar. By sourcing products at a low price, you can increase your profit. Check out http://tinyurl.com/rygsh for more details.
Other Answers:
ebay does not directly proposition credit cards. Check with Providian (which is very soon WaMu).
When you log on paypal webite, they have a form to sign-up for it.
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Who number is 416-753-2095?
Question:Answers:
The people at 411.ca say aloud:
"(416) 753-2095 is a land strip based surrounded by Toronto, ON
The registered service provider is Bell Canada**.
Detailed listing information is not available."
Other Answers:
okay good for you
a Toronto number
MINE...in a minute stop calling me
Should we call it to see?
lately chk on website --canada411
cuz its look like scarborough's nomber ( on,canada) i give attention to
Try this website it might help: http://www.phonenumber.com/
Toronto State Police
in a minute your in big trouble