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I need a credit card fast...which company should I use?
    #6186745 -

I've never had one before, but the time has come. Which is the best credit card to get? What should I look out for?

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Re: I need a credit card fast...which company should I use? [Re: MOTH]
    #6186753 -

Why do you need a credit card fast?  (Just curious)  Capital One is a good credit card company...decent rates, good fraud liability protection, online payment options, etc.  :thumbup:  I have one and like it.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.


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Re: I need a credit card fast...which company should I use? [Re: MOTH]
    #6186756 -

fixed rate.
no annual fee
low interest rate
and see how much they charge for going over your limit


--------------------
"A politician is like a baby's diaper, it should be changed often and for the same reason"-Coy Turner Sr.

"what is a weed, a plant whose virtues have not yet been discovered"--Ralph Waldo Emerson

"I'm sippin Hennessy, riding on my muthafucking enemies" -Meek Mill.


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Re: I need a credit card fast...which company should I use? [Re: joe666]
    #6186850 -

If she's never had a credit card, the likelihood that she will get a "good" interest rate is pretty low, depending on what you think a good interest rate is...unless she has pretty impeccable, established credit.  Those are all good things to look for though  :thumbup:


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.


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Re: I need a credit card fast...which company should I use? [Re: MOTH]
    #6186858 -

avoid credit cards - that's my adivce, particulary if you "need one fast"

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Re: I need a credit card fast...which company should I use? [Re: Vvellum]
    #6186877 -

She may need one fast if she's considering applying for a mortgage sometime in the future and needs the open tradelines to be approved.  Moststandard mortgage companies will not approve you without each borrower (or in this case, her and her husband combined) having 3 tradelines for a minimum or 12-24 months each (depending on where you apply).  These are Fannie Mae rules.  Tradelines can be school loans, car loans, credit cards, etc.  If you don't have 3 open tradelines, you have to provide "alternative" credit, showing cell phone bills, auto loan insurance, rental contracts, utility payments, all paid ON TIME for 12 months straight.  It's a real pain in the ass.  :thumbdown:  And you get a lower interest rate.  But, I'm just speculating :shrug:


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.


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Re: I need a credit card fast...which company should I use? [Re: Vvellum]
    #6186880 -

lol I agree.

They do come in handy for online purchasing though.


--------------------
Capliberty:

"I'll blow the hinges off your freakin doors with my trips, level 5 been there, I personally like x, bud, acid and shroom oj, altogether, do that combination, and you'll meet some morbid figures, lol
Hell yeah I push the limits and hell yeah thats fucking cool, dope, bad ass and all that, I'm not changing shit, I'm cutting to to the chase and giving u shroom experience report. Real trippers aren't afraid to go beyond there comfort zone "

:rofl:

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Re: I need a credit card fast...which company should I use? [Re: Liz]
    #6186965 -

Liz said:
Why do you need a credit card fast?  (Just curious)  Capital One is a good credit card company...decent rates, good fraud liability protection, online payment options, etc.  :thumbup:  I have one and like it.


For traveling expenses...like gas and motels and stuff.

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Re: I need a credit card fast...which company should I use? [Re: MOTH]
    #6186976 -

Ahh. Some of these plcaes it takes abit to get the actual card to you, so hurry up if you need it soon! You can apply online, obviously.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.


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Re: I need a credit card fast...which company should I use? [Re: MOTH]
    #6186980 -

If you don't have a credit history, it might be hard to obtain one.

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Re: I need a credit card fast...which company should I use? [Re: MOTH]
    #6187045 -

I got a credit card for that same reason.. now I'm 2000 in debt and I can barely afford the minimum payments.. it sucks.. they are the devil!... unless you have a well paying job...

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Re: I need a credit card fast...which company should I use? [Re: slamdunk]
    #6187073 -

I realized that the effort it takes to 'get into' credit is a joke when you can spend the same effort making the money to buy things in cash, for less money overall and with little to no worry of fucking your entire life up ... credit card companies are good at selling us, but just like casinos, there's a reason THEY get bigger and more expansive and rich and we don't :wink: it's a scam for those who are impatient ...


--------------------
So I say, walk by the Spirit, and you will not gratify the desires of the flesh. - Galatians 5:16

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Re: I need a credit card fast...which company should I use? [Re: Liz]
    #6187117 -

I tried several times thus far and have failed. Thanks for reminding me to keep on it. Keep the loaned cash on the low, pay it off an d all is good.

Don't spend it if you can't afford it.

I plan on buying something from Sears or Homedepote on their store credit lines.

Buy something i need and use it to the limit. Then pay it off on time. That would help out making you more appealing to the larger credit lines.

I had a schoole loan and it showed up as nothing on my credit report, it showed up but didn't equate to anything.

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