What is the origins of credit?
Question:
Answer:
Check out something called usury:
http://en.wikipedia.org/wiki/usury...
requests and need and the great % that ethnic group would pay for them,,,Stupid notion for people but hey i.e. America and other countries,,,
Somebody wanting something they can't afford now instead of waiting to reward cash or trade for it Goes bearing back my friend.
The earliest particular credit card use has be documented by Encyclopedia Britannica from the United States back surrounded by the 1920s. It was believed to be the hotel chains and grease companies who started the practice of issuing cards to customers in lieu of purchases made at their outlets. Post-World War II the practice increased at a significant rate.
Diners Club Inc is credited beside the introduction of the first universal credit card which could be used at assorted different places of business in 1950. There be an annual fee which be billed on monthly or yearly idea. In 1958, American Express came up near their own card which was made infamous with their slogan "Don’t evacuate home without it".
Gradually a sandbank credit card system followed where the details of the merchant was credited on the principle of sales slips. The charges be later billed to cardholders at the closing stages of the billing period. The hill was salaried by the card holders for the entire balance or within the form of monthly installments at a fixed rate of interest which was also referred to as carrying charges.
In 1959 BankAmericard started as the first national mound plan from the Bank of America in California on a statewide reason. Today it goes by the dub of Visa. MasterCard which went by its initial autograph of Master Charge and other bank cards be quick to follow. Credit card info.com reports:
Let's start at the starting point. A credit card is a thin plastic card, usually 3-1/8 inches by 2-1/8 inches surrounded by size, that contains identification information such as a signature or picture, and authorizes the soul named on it to charge purchases or services to his information -- charges for which he will be billed periodically. Today, the information on the card is read by automated teller machines (ATMs), store reader and bank and Internet computers.
Late mortgage payments?
Question:
Apparently i missed my two mortgage payments for this month. and i got a identify regarding that. how bleak is that going to affect my credit? i have a co signer on the loan too..
Answer:
If you go 30 days late on your mortgage it is going to hit your credit rack up by about 30 points or so and it will hit your co-signers credit as resourcefully you need to notify your co-signer that this has happen. If they have not gone 30 days previous due it will not show up on your credit. So if your payment be due on the 1st of February you still have time beckon your mortgage holder NOW TODAY and pay the pocket money and you will still be OK.
Yes it will show up on your credit as late payments as all right as your co-signor's report.
dont let it step any longer it will go into foreclosure soon and you will lose your house
It would be so nice if you could set up an automatic ridge payment when your payments are do. I own raised my credit gain by 150 points in 18 months by paying adjectives my credit bills this way. Of course every one cannot afford to do it but if you could!
You can fix it by making your adjectives payments on time.It will show up on your credit report as a 60 daytime late.It will stay in that awhile.
credit win issues please comfort?
Question:
I had a 750 credit ranking, i went to buy a vehicle and a ford dealership sent my app to 15 different companies that all run my credit over a few days now my gain is a 683 can i do anything to help or to attain my score put money on up quickly?
Answer:
I agree totally beside you. Borderline entrapment if you ask me. For what it is worth this might help. There is a free download software look at my profile for the url nouns. The software gives you a perspective of where on earth you are with your debts and give a strategy on how to clear them. Its shareware software that I used with some nouns. It just might support you.
Not much you can do - it will bounce back surrounded by about 6 months. It's the nightmare-ish trick that auto companies do to populace. It's always better to be approved from a lender formerly you go to the dealership. If you hold a credit card with a $0 go together, use it each month and income of the entire balance respectively month. This is a proven method of bringing up your score - but surrounded by the normal time frame. (Don't enlarge a new card to do this)
I know it sucks, but there's not profoundly you can do. Your scores will dance back up after a few months. A 683 win is still a good rack up, so don't stress too much over it.
In all honesty nearby is probably something else that caused this. This is 67 point drop and while only just doing these inquires may have cause it, there also may be another aim.
Are did your 750 score come from one and the same place as the 683 score did. Scores are also agreed to vary from one source or another, some as much as 20-30 points. If they did come from different places you might want to contact the agency that give you the 683 and make sure they do not enjoy any incorrect information that may be lowering your score.
You can read how FICO, where on earth a majority of lenders use for scores treat credit inquiries. Basically, they hold a process built in for "Rate Shopping" that is to say they will treat multiple inquires in a moment as 1 inquiry. This can vary but they mentioned a 14 afternoon period.
I would hold a total fit at the dealership. I am very confused nearly this though. When my husband and I go and apply for a saloon loan we've always signed sour only on them sending it to 3 lenders. We other only okay it for our personal wall, our mortgage bank, and the dealership nouns office(Nissan Finance for example)How did they finagle you into sending it to 15?
My guess is that the drop did not occur from the inquiries. Several similar types of inquiries on your credit over a term of a few days actually individual count as one inquiry. My guess is that there be something else that trashed your credit recently. Make sure adjectives of your card accounts are below 49% debt-to-limit. Make sure there are no behind accounts. The inquiries should not have done that to you. I will also donate this: a 750 score is tremendous, and next to that score the FIRST lender would enjoy written your loan. My guess is that your score get trashed before you even go to the dealer. You want to find out when the score started falling. The credit monitoring service from www.lendingtree.com keep a running graph of your score and you may be capable of pinpoint when the dive happened.
To return with it back up: Move balance between cards to reach that 49% artifice number of below. Find a friend or family beneficiary with stellar credit score and perfect clearance history for at least 3 years and ask them to put you on their description as an authorized user. You will get the card but you will inherit their history. If you do not hold friends or family who will do this, move about to www.blairsmedia.com and purchase trade lines. Its worth it.
I know someone that committed fraud contained by direct to grasp a mortgage.he is going into foreclosure. what can he do?
Question:
He is considering filing chapter 7 collapse on both of his homes, but I think they will find out he committed fraud within order to capture the loan. What can be done if anything to help him?
Answer:
If he committed fraud and it is found out during the ruin, he'll probably go to put in prison.
Bankruptcy is filed contained by Federal Court. All of your records of loans, payments, everything, are pretty much gone over.
By the bearing, you don't file chapter 7 "on homes". You record bankruptcy for yourself. If he wishes to give up the homes contained by the course of the bankruptcy, those homes will be given subsidise to the lender at that point. You don't, however, get to pick and choose what bills are included contained by the bankruptcy. So he doesn't draw from to file basically on the two mortgages. Every financial record he's have is going to be looked at.
HA! SUFFER !
There is nothing YOU should do. HE should find a pious attorney.
legal proposal - especially if the mortgage company knows.
You want to abet someone who committed fraud to get 2 homes ? And because his BS backfire and now he have to pay the consequences ?
The better interrogate is , what can be done to help you ?
You are nuts !
convey him to sell the houses and repent.
Let him travel down...people close to your friend are not trust worthy... Even if I had the answer I would not oblige him. Moreover, ff I were you I would be vastly careful baggy around such bad apples... Let him turn down!
He got what he deserved!
There are satisfactory checks and balances that the lender could enjoy uncovered anything improper. The best you can do is step aside so that you won't be considered an addition.
Filing bankruptcy will stop the foreclosure mart but it may cause more of a problem than he wishes.
By definition a chapter 7 bankruptcy money that the debtor is turning over all assets of the estate to the court beneath the supervision of a Bankruptcy Trustee. If the rustee decides the houses own value (equity > debt) later the trustee will sell the house and wage off the underlying mortgage(s) and other debts.
However, if at the union of creditors (about one month after the filing of liquidation there is a school assembly of creditors but in trueness only the attorney for the debtor, the debtor who is examined and the trustee are contained by attendance) the trustee "abandons" the home then the sandbank will foreclose by getting the Bankruptcy judge to "lift" the stay which previously prevented the foreclosure.
So the houses will eventually be foreclosed on and in a minute your friend has two foreclosures and a collapse on his credit plus alerting the world to the fraud in getting the loans. Not a pretty picture.
A better alternative would be to (if the non-owner colonized house is vacant) advertise a rent to own, nick over payments on the other home. Get a large down pocket money and apply it to the deliquency. Call the mortgage companies "loss mitigation" department and work-out the terms. Have the stability if the down payment does not cure the failure to pay put on the back train of the loan. This is called a loan modification.
Or go the other home in a short Dutch auction where the house is sold but for smaller quantity than the mortgage balance. "yes lenders will do this!!
GOod Luck
hang on to out
Pray for him.
How Did he get away beside it They Check Credit/ and you bank accounts to see if you get money/ your employer/ or self employed too I getting one too But getting check out first I got my approveful? the Lender must be blind
What qualify question will my creditor ask for my debt decline plan?
Question:
(Before anyone leaves the inevitable smart-a*, "deadbeat" remark, I'm not a deadbeat. I've been laid-off due to the discount 5 times in the end 7 years and the employers who laid me rotten gave me BOTH raise & promotions prior to the layoffs. I'm now re-employed by one of them.)
Rather than step into Chapter 7 or 13, my creditor (unsecured credit card debt) told me they would put me on the following plan "IF I QUALIFY". They said they will ask me the qualifying question on Monday.
5 Years to pay fund the entire balance
2 to 3% interest rate
No fees
Payments will be 1.75% of the set off ($152 per month)
and after 6 months they will "re-age" the account to show it as paying prompt.
Can anyone tell me what question a bank have asked them in this sort of "qualifying questionnaire"? I'm sure it'll be, "How much do you product presently, what are your expenses, etc." but I would like to hear from someone next to personal experience in this -negotiating beside the creditor.
Answer:
I understand. I go through that but I had a ton of debt. I used CCCS. Consumer Credit Counseling Services. The first counselor be not for me. The 2nd one was great. They said 5 years but near additional layoffs it took 10but I owed $125,000. But I did it near no bankruptcy. Never hear of qualifying ... a moment ago show up and they re-negotiate with creditors. Just hold paying and all will be fine.
If you are doing the negotiate one-on-one with a creditor specifically different...they may have some requirements. But CCCS can do it for you because they operate with creditors constantly. They will probably know within advance what will start.
There are probably other good services out here but CCCS is the only one I hold experience with.
Good luck and you will do it !!
Overstock.com Credit card?
Question:
Overstock.com visa credit card..is it just to lay down things on overstock.com...or can it be used anywhere?
Answer:
If it has the Visa or MasterCard logo on it, it is agreed anywhere they are accepted.
If you inevitability overstock coupons, visit http://www.24houredeals.com/overstock-co...
Good luck.
Can you answer a few Q's in the region of debt collectors? Part 2?
Question:
I have a interview about the messages bill collectors give notice. We received one today, and first of all, it didn't even nouns "professional", because the lady's voice kept fading away close to she was moving around plentifully and not talking into the beneficiary. Also, she didn't even have the right entitle: she said Chrissy, but I'm assuming she meant Chris, my husband's christen. A few lines of the message: "..if you're listening to this message, we'll assume you are the entity we are trying to reach". I've heard of automated messages resembling this, after which you are connected to a live person if you stay on the smudge, but not messages from a live person. My point is, if they check out of a message on your machine, how are they supposed to "know" who listen to it? Another line from the message ".. if you are record this message, cease and desist" Ummm..isn't that what voicemail is for, to RECORD a message? Why wouldn't they want us to diary them? Is it legal for me to do that, since they story me?
Answer:
That sounds like:
a) truly shady collector
b) not a extremely bright one at that.
c) both a) and b)
I would definitely register the messages. That is, to me, a sign that they are saying things that they aren't supposed to be proverb. A legitimate collector will know the statute and not say anything that might acquire them in trouble.
I don't close to phone solicitors much, and I imagine debt collectors are worse.
On a lighter memo:
I usually give them a politely small amount of time, and after the second no if they are freshly being pushy, I of late start pretending to yell at a troublesome child. "Put those match down, RIGHT NOW! Remember what happened ultimate time you set the cat on fire?" and next go subsidise and ask them to repeat what they were adage. Do this about four or five times, until they digit out that you are jerking their fasten...
that sounds really weird. All impossible to tell apart, its best you contact the creditor and try to arrange a payment plan - no business how small. The main item is to show them that you're trying to clear the debt.
Sounds more like an overall complaint than a message, but I will touch on something you question.
There is a new tweaking in the law that govern collection agencies that require debtors be notified that they are self contaced by debt collector on every contact. Under the verbage used in the tenet, an answering machine message qualify as a contact. So, to be compliant, the collection agencies will now state inwardly the message that they are contacting a specific individial regarding a debt.
The most adjectives message from a collection agency will now be something to the effect of:
"We are calling to contact Bob Smith. If you are not Bob Smith, do not listen to this message further.
Bob Smith please ring up our office at 1-8OO-555-5555. This bid is from a collection agency and any information obtained will be used for that purpose."
In most states you must notify the sightseer that you are recording them. If you did not search out permission and started CD before you spoke to an actual personage, they do have the right to request you stop tape.
In MO you can record any conversation if one of the party is aware that it is being record. Don't pay any attention and if you do not enjoy caller ID on your phone after get it and quit answering their call
Collection/Judgement for Medical Debt?
Question:
My question is heaps of my mom's medical debt is going to collections even though she has no money to remuneration them. If they are granted a 'judgement' against her, how do they get the money? Mom is simply 'judgement proof' already but has some money within her checking (not alot to cover any of this) but is all from social shelter income (in Nevada, supposedly, any retirement income is exempt from judgement). So is it basically they acquire a judgement and hope you get into money so they can collect?
Answer:
Nontaxable income, such as social shelter cannot be touched by a judgment. Any other money contained by her accounts which is proven to be from another source can be. Take the money out of her account previously a court orders a garnishment against it. The solely other thing they can do beside a judgment is try to lug some of her valuable possessions, that's if she have any and if they find out about them. This mechanism land, cars, etc.
Well near your mom being "perspicacity proof" the best thing in the region of that is they will see taking the defence to court in charge to collect as a waste of their money. They do their research and see if she have income coming in that's adequate to make it worth their time to try to collect.
The best piece she can do is to not even talk to the collection agencies on the phone. Many are unscrupulous, can stress her, and build her health worse. She can move her phone number to an unlisted one if the collection agencies become abusive, etc. If she's incompetent to pay the bills afterwards there's no reason to own to put up with what some of those collection agencies close to to attempt to dish out.
Can't get blood from a turnip type of article lol. Don't forget they have to recompense for a lawyer too and it's pointless for them to run through that trouble if they still aren't going to get compensated. There are probably bigger fish in the deep-sea, like the ones that in truth have the dosh to pay up their bill, but are only just too sorry to do so.
Most states allow you land, cars, etc that are of a sure value that can't even be touched. In direct to find out if she has cars of plus and stuff, they'd still have to dance to court to get that info. The arrive thing can be found online probably, but if there's stop at stake have her to renovation it over into your name so they can't mess beside it.
Now if it were a federal student loan, I'd make clear to her to start sweating bullets lol. They can take your income charge return.
there are lots of option if you are in debt. i recommend doing debt consolidation. use this site to procure quotes on the best deal for you.
If your mom is contained by such bad shape financially, consequently she shoudl qualify for medical aid or charity. Contact the hospitals patient services organization to see if they can help.
If your mom have money left within her checking each month, she should set up a clearing plan so the hsopital/doctors know your mom is trying to do the honest and right thing contained by taking care of her debts.
I'd recommend she at most minuscule meet beside a financial counselor.
I'm seeking an online payday lender contained by Mississippi. Anyone know of one?
Question:
Has anyone here applied for an online payday loan in the state of Mississippi? and if so, beside whom?
Answer:
mycashnow.com
paydayselect.com
itsmypayday.com
suggest you forget about any brass advance or payday loan place unless you approaching slavery.
these places can legally charge you upto 600 - 800% per year. they are not reasonably making loans so they don't play by bankers rules.
if you need money progress to a second job - great place to be in motion when broke.
visit daveramsey.com to swot up what bankers credit slave cards and loan sharks pray you never ever learn or worse apply within your life.
Robert is right, those payday loans are a huge ripoff. Same go for title loans. The interest they charge you is so ridiculous and really not worth it!
To answer your question, no I hold never applied for a payday loan because I don't want to pay 15% contained by interest.
Maybe you can try below website to get the information. It's in the order of payday loans articles for your second opinion
Can you answer a few Q's more or less debt collectors?
Question:
First of all, yeah I know, PAY MY BILLS. Working on it, gratitude. This is not about me, though. My first cross-examine is, if a bill collector calls for my husband, can I be the one to notify them to stop calling, even though the bill is not mine? I mean, I know it's my problem very soon that we're married, but the original bill is his. This one bill collector call about 2-3 times a daylight. My husband works very long hours so he isn't here during business hours, as a consequence he doesn't have a occasion to talk to the collectors himself, and I refuse permission for to give them his work number. As for my second interrogate, I guess I'll have to ask latter because I'm running out of characters.
Answer:
First of all, I'm sorry you and your husband hold to deal near this situation. Whatever might have happen to bring it about, have bill collectors coming after you sucks--and I wouldn't even wish it on my worst opponent!
That said, a verbal cease-and-desist from you probably wouldn't be plenty to get the collectors to stop calling. They are trained to be VERY demanding. Most also get a commission stale the top of whatever they run to get, so they're also especially highly motivated.
If you want to stop the call, you need to write a note explaining your situation. In that letter, stress that phone call anywhere, at any time, are inconvenient for you, and tell them any adjectives communication regarding the debt will be within writing, through the U.S. Mail only.
You are capably within your rights to set restrictions on the bill collectors' activities lower than the Fair Debt Collection Practices Act.
You can tell the debt collector to stop calling and address adjectives correspondence through the mail. You are pretty much relating them that you are not going to pay the bill. But you can detail them that.
Read this:
(c) CEASING COMMUNICATION. If a consumer notifies a debt collector surrounded by writing that the consumer refuses to discharge a debt or that the consumer wishes the debt collector to cease further communication next to the consumer, the debt collector shall not communicate further with the consumer next to respect to such debt, except --
(1) to advise the consumer that the debt collector's further pains are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where on earth applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by correspondence, notification shall be complete upon receipt.
(d) For the purpose of this cubicle, the term "consumer" includes the consumer's spouse, parent (if the consumer is a minor), guardian, executor, or administrator.
They probably won't listen to you because they want to tell to your husband. You might be able to keeping recounting them they have the wrong number. That might facilitate but you gotta sound convincing.
hey sorry to hear abt r situation. I be told by a lawyer friend not to permit them into the house. if you do then subsequent time they call and noone is home, they are lawfully allowed to enter through open window or back doors to sieze merchandise in your bunking off. The best thing to do is to draw from your hubby to contact the creditor (or the company that sold the debt to the collection agency) and try sorting out a payment plan. They are usually predisposed to accept really low amounts (for example one time i be paying lb10 a month for a lb400 credit card debt. Once your hubby arranges a payment plan the creditor will give an account the debt collector to stop calling at your house.
Kudos to Julie for finding the federal regulations. Read that first.
Next come to this understanding:
You should wages legitimate debts as a moral and ethical guideline.
BUT
Bottom stripe, you don't ever really have to repay them if you don't want to, ever. They are holders of unsecured debt. This means that the most they can do is pester you. They can thieve you to court, and you can still ultimately ignore them even if the civil court information you to pay.
Once you get the drift this, you have come to the realization that 100% of the bargain power is yours. If they aren't nice, tell them that they will be put at the put a bet on of the line when it comes to your debts.
You would be surprised how immediately their attitude will change. Once they realize that they are competing for your limited debt paying funds, they own every reason to be accommodating.
BIGGER BUT:
Deal near them fairly. Once you appreciate that you have adjectives the bargaining power, it is your responsibility to treat them quite. If the debt was a pretty legitimate one consequently you definitely should try your best to money it off.
Predatory loans are somewhat more of a gray nouns. If the debt is from say a "payday" loan service that charges 200% per annum interest, I would feel markedly little moral compulstion to pay subsidise much more than the principal plus a more reasonable return, speak 10% APR.
You can request a cease and desist, but you requirement to be aware that it can result in more extreme methods of collecting the debt surrounded by a timely manner. Such as garnishments, judgements, etc.
Instead of relying on the collectors to phone call your husband at work or when he's home, give him the phone number and own him take responsibility for his departed mistakes.
As far as 'paying what he can', a collection agency does not have to authorize or adopt any payment arrangement. They enjoy the right to expect resolution within 30 days.
I'd wager if he go over the household budget, he'd find more funds available to take vigilance of his debts in a more fair manner. Such as, cancel 'luxury' services cable and internet services. That would allow him more monthly to take strictness of his past due bills. What around entertainment expenses such as meals out or movies? Those can be cut out to provide more money to settle up your bills.
I recommend he talk to his credit confederation, family, or friends to borrow the money to pay cheque his debt in full and consequently work out a payment plan to whomever will loan him the money (which will be admittedly unyielding if they know he has a craving of not paying his bills).
As a lasts resort, he should also look into one of those pay-day change advance companies.
I do not deem you are responsible for debt, married or not. They can only sue the human being who made debt and not an innocent party. Like they could not garnishee your income if your husband have a judgment against him. Stay away from it and do not transport them money or admit your are responsible. It will be up to the creditor to prove your responsibility. You are not responsible because you married some one near a debt.
Lie to them, tell them that he is no longer at your residence and you not know a number be they can reach him.
Is at hand any instrument (writing myself a check for example) to lift brass from my available credit file?
Question:
I use an american express card and I wanted to know if in that was a track to actually draw down from the available credit contained by the form of cash or funds into my hill account?
Answer:
It depends. There is a difference between available credit for purchases and available credit for currency advances. If your demanding American Express account allows for currency advances, they should hold an option to set up a PIN only just like an ATM/Debit card... you can cancel cash at any ATM and deposit it into your wall account.
Be reticent of fees though... many credit cards charge you big fees for bread advances, and the financing rate for an mortgage can be 5x as much as your normal interest rate, I don`t know more.
Isn't that what an ATM machine is for?
You can do a dosh advance from your credit card to put surrounded by your checking account. Depending on your credit agreement you beside Amex they might charge you a fee for this.
Usually next to credit cards you recieve a pin number or checks or something of that nature to annul funds from the card. You will need to contacting Amex to see their policies and procedures for doing brass advances.
What is debt dissolution (relating to a credit card balance)?
Question:
Answer:
It means they probably established they weren't ever going to get the money so they wrote bad the debt.
However, they can still sell that debt to a collection agency who can still try to collect it. Also, the IRS have ruled that any debt that gets written stale is income to the debtor so you (or whoever got the debt canceled) will own to declare the entire amount on their income taxes subsequent year. If you don't, then the IRS will be coming after you for the taxes and they are far more ruthless just about collecting then the credit card company or any collection agency is.
They may own moved your account to a debt collection agency. Or they closed your rationalization for another reason
Hi,
I used "Credit Solution" to settle my debt.They manage to reduce my debt up to 58%.It's lawful.I came accross this company on NBC.Check it out here:
http://www.dpbolvw.net/click-1813149-104...
Why does Chase save asking me for an tale number?
Question:
I received a call from their fraud center and when I try to ring them back, I hold to enter an account number. I enter my credit card number and ever number I can find on the credit card, and they aren't valid. My mom made the entire justification for me because she pays for the bills. So I finally get an answer after a few bungled attempts and I am being told that my christen is recorded. Some guy asks me AGAIN for the damn reason number and I say I forgot it. He get really suspicious and asks me why I forgot it before it hang up.
Where do I find this elusive sketch number if I "forgot" it?
Answer:
You're being scammed. Notify your credit bureau without hesitation.
First of all build sure this is not a scam. I would find an independant 800 or toll free number for chase and get a live customer service rep. I never put surrounded by my numbers on automated calls even if legit. They requirement to identify you by your account # but kind sure you have the genuine bank earlier giving out your information. You should check withyour mother to help you.
Sounds approaching a SCAM to me. You are not suppose to give out your credit card number over the phone. Normally if you dont remember your side number, they might be able to help out you by asking you some security question u set up when u opened the information.
Call your Credit card company immediately and notify them in the region of this issue. You might need to close your current depiction and open a strange one. Since your mom set up the account and income the bill for you, you should also talk to your mom around this issue first
Does any one know , can I put a lien on a small business?
Question:
Answer:
With a judgment from the court, you can place a lien on their property or a garnishment on their dune accounts. And it depends on how the business is held (DBA, incorporated etc.) as to whether or not you can touch the individuals assets. And all this have to be done thru the court.
They have to hold property to lien...I think. You can lien the owner if it is not a Corp. I construe. :) Have to get the courts involved.
Whats is the best place to stir to return with a youthful adults credit card?
Question:
i was woundering whats is the best place to jump to get a young at heart adults credit card
Answer:
credit cards are bad...
you should with the sole purpose use a debit card,,,which is spending only what you hold..
try www.myfico.com and thin hit credit cards
Try your local mound. Open a checking account and ask for a VISA or MASTERCARD guard card that attaches to your account. That really is the easiest and fastest method. But the best element of doing the above is that you won't (can't) go crazy charging everything surrounded by sight and consequently go into horrible debt. YOU DON'T WANT THAT.
credit card info here plentiful bank's credit card details chechout this