Advantages of Producing Charge Card Repayments On-line

Making your credit card obligations online is quick, effective and you will have back additional time inside your day. Increasingly more credit card banks are making it possible for the clientele to pay for their expenses on-line. Not only is it handy and less expensive to the business but it is for that consumers as well. Producing your payments on-line has some exceptional benefits. Take a look at keep an eye on in the valuable part of coughing up your bank card costs on-line (whether you’ve got a number of than a single).

Automated accounts receivable will take the bite as well as the stress from paying your plastic card bill. In cases like this you would create internet charge card consideration such that the payments would emerge from your bank account each month. Take into account it can be automatic meaning that you choose the night out monthly and also you find the amount that is certainly to result from your money. Computerized accounts receivable takes away the worry around delayed payments and it also indicates that you do not ought to mail a check mark to the charge card company each time your invoice is born.

Many plastic card holders do not realize how the late charges that are included with late obligations will surely mount up rapidly and may end up finding their way on to to your credit rating. Long term lenders who note that will observe the late repayments within a bad fashion. It could effect what you can do to get credit score inside the many years to come.

Who does n’t need to save lots of money and time all at once? The more credit cards you will find the more cash you will spend on covers and shipping plastic stamps on a yearly time frame. For instance you could put away just as much as Bucks20 alone on just the purchase of rubber stamps whenever you spend your plastic card expenses on the internet. What’s more, it saves you money to pay for your expenses in doing this. There is no preventing to create a check or buying post office box when you are out. For those who have large handwriting not having to create from the modest spots that a verify offers is incredibly pleasant!

When you go electronic what you are doing your behalf to assist the surroundings. You’re helping retain the trees that are widely-used to make document and yourself help to reduce the waste that ends up in trash dumps. In accordance with a survey made by Javelin Strategy and Investigation and backed from the Bore holes Fargo Lender, if all households in the us paid out their expenses on the web (that also includes not simply credit card bills but all other charges at the same time) then an estimated 18.5 zillion trees will be conserved annually. Also roughly 2.2 thousand pounds of harmful substances due to making paper may not be launched into the surroundings along with the waste materials in dumps could be diminished by up to 1.7 billion pounds each year.


  • Milo says:

    How do I store my most used websites such as credit cards, banking, shopping sites, websites?

  • Loreta says:

    I need to transfer the balance from my Irish credit card (Bank Of Ireland) to an Australian credit card (preferably with a low balance transfer rate). Anyone know my options?

  • Keena says:

    My xhusband destroyed my identity,credit,forged my name to court documents,income tax refunds,credit cards,bank accounts,forged my name on truck title trying to get insurance refund.I just found out he is a pedi file. DSS gave him temp custody of my 2 young daughters.Local police department and DSS refuse to help.What type of lawyer do I need to help me with all these problems and to press charges against him? Im in need of deseparate help please!

  • Tianna says:

    ok im planning to use my credit card gift card on a rhapsody subscription online. how would i be billed if I use a credit card gift card like an Amex gift card? would a bill be sent to my home(that wouldnt make sense cuz im paying with a prepaid card)?
    i mean when i use it online? will something be mailed?
    how will the online retailer know its a credit GIFT CARD?

  • Felipa says:

    I’m trying to buy something from eBay by using an eBay gift card. I do not a have a credit card or bank account so how can i create a PayPal account without credit card or bank account info? I do not want to buy a prepaid debit card. And yes I’m 18.

  • Imelda says:

    How does this affect your credit score:
    Using credit card and always paying off balance right away
    Using credit card and paying off balance after you get the statement
    Using the credit card and making the minimum payments after you get the statement

    Note sources or experience please.
    Thank you guys. But can someone clarify the difference between paying before and after you get the statement? A source would really help. I don’t like conflicting info esp without a source.
    Thank you guys. But can someone clarify the difference between paying before and after you get the statement? A source would really help. I don’t like conflicting info esp without a source.

  • Toby says:

    Credit cards are becoming more and more picky about extending credit, and the interest rates are through the roof. What are some other ways I can establish solid credit without a credit card or major expenses? I go to college full time and work full time, I don’t want to get into heavy debt.

  • Dana says:

    There is a credit card showing on my credit report and I didn’t know about this specific card. I have the name of the card, the card number and balance on this card. I want to know what it was used for. Can someone help me?

  • Carlie says:

    I want to apply for a walmart credit card but im not to sure exactly how that stuff works. Lets say i want to purchase a playstation for $400 and i use my credit card, how does the rest work?

  • Guillermina says:

    Does getting declined for more credit affect your credit rating more than just making the minimum payment each month to your loans and credit cards,and will my credit rating be poor for as long as i have a default on my record for?

  • Sal says:

    I’m looking at getting my first credit card. I’m 20 years old and I have a credit card that is linked to my parents, so I have near perfect credit. I’m trying to start building my own credit and I want to know what is the best card for a young person trying to build their own credit.

  • Kiyoko says:

    A fews years ago I got into serious debt & ended up defaulting on my loans. I contacted my numerous creditors, arranged reduced repayments & am nearly out of debt but my credit rating is understandably shot to pieces.

    Is there anything I can do to repair my credit rating? Thanks.

  • Nelson says:

    Can you get a debit card or credit card at age 16 ? If so which is the good option Credit or debit card ?

  • Ruben says:

    We applied for cred card. But allow a secured credit card. What is the differences. We would have a clear piture if described clearly of both , credit card and secured credit card.

  • Christia says:

    I’m about to be a college student and I’m looking to start establishing good credit for myself. I have never opened a credit card before and i want to get the best one possible for a student. Does anyone have any ideas which card works great with students? Do you have any advice on them? What criteria should I stick with when it comes to choosing the right card? Do you know what credit card company not to deal with? What do you think?

  • Barbra says:

    I am looking for a travel rewards credit card. Where can I go?

  • Jarred says:

    Member since: April 21, 2007
    Total points: 3,982 (Level 4)
    Points earned this week:
    –% Best answer

    S Shared Loan Info..?
    If I get a loan with my BF for $1500 and I have great credit is credit isnt, will my credit grow as we pay on it, or will it go down immediately because im taking on his low rate. He is good for the 1500 but im talking about in terms of my credit rate with me being the primary holder. Once its paid off, will my credit be better than before , or not as better because of his credit?

  • Roscoe says:

    My credit score is 550…I had 2 collections accounts and they are closed. I need to get a credit card but no one will approve me. Can anyone tell me a credit card I can get approved for and it will help me rebuild my credit?Thank you

  • Joel says:

    APR for credit cards? What do they mean when they say credit card introductory APR rate?

  • Sherlyn says:

    i want a unsecured credit card that i will get approved no matter what and not have to pay anything to get it activated and to use it, for instance imagine card makes you use a banking account and pay the 5 bux before you can use it. is there any credit cards that you get approved no matter what and not have to pay a proccessing fee?

  • Ashley says:

    Wheres a good place to get a credit card if you have no credit and no credit score ??ANY SITES??? Or do you know another way to build up your credit

  • Lucinda says:

    I’m trying to improve my credit rating which is 628. One of the problems is that I have no revolving credit. I’m thinking of getting a credit card with a low limit and low interest rate to improve it. If I get turned down it will it hurt my rating and is 628 good enough to get approved for a credit card?

  • Willard says:

    High school kid without a job, no bank info
    Need credit card to get a free xbox 360
    what do I do?

  • Evita says:

    I have had a job for two years and now i want to build my credit. i have been told to apply for a credit card but which one to apply for is hard. i dont know anything about credit cards other than you charge now and pay later. what is a good first credit card? i take i have no credit history and im 20 going on 21.

  • Lela says:

    What tips can you give me for building a good credit rating?

  • Alana says:

    I want to know if anyone has personally applied for a credit card having no credit history at all. i have applied for bank of americas student card and got denied also i applied for discover card and got denied even though it say no credit history required??

  • Ernest says:

    I’m 21, I’d like to build credit. I’ve never have a credit card before. I plan on just using the credit card for maybe gas and that’s about it. Which card should I go for? Also I’ve seen that for many you get the first year 0% APR. Is this good? Will it grow credit? Or do I need interest to grow credit? I don’t want a card just for the sake of having a credit card. I want it solely for the purpose of having good credit. Thanks.

  • Louella says:

    Where can I find online information on credit rating scores so I can see if mine is good or not?

  • Wilber says:

    I had a free credit rating recently from one of the most famous online places Ex…… I joined up for the free trial because i started up in business 18 months ago and still find it hard for companies to give credit to me. I have an excellent past with no unpaid debts or contracts whatsoever.However I was shocked to see I only just had a good rating,with the basic needle guage just hovering above average.Now this is the shocker they only had ONE of my credit cards(I have a business one in my name as well!) They did not have my current phone contract-only had listed a vodafone one from 3 years ago,they had the number of bank accounts wrong,and finally had the amount of monies i was outstanding completely wrong! Heres the funniest part-I immediately tried to end my free membership,and got questioned “why” I was leaving,I explained my information was wrong,They then said if you stay with us we can update and ammend the information!!So I pay a monthly fee to update my own credit rating to its correct status! I just said no thanks and terminated.But heres the thing I have been advised that I made a serious error,and I should have infact stayed with them to correct things and get my rating on track!! What do you,or anyone with any experience of this think?any input would be helpful.

  • Tracy says:

    entering college as a freshman, i have no credit history. so when should i get a credit card?

  • Jay says:

    It seems like every week one card or the other offers zero percent on balance transfers. Since the amount I owe is below the credit limits on all my cards, I have considered just moving the debt between the cards I already have as I pay the total off (not opening new accounts, just shifting the balance back and forth). If I did this 2 or 3 times, I could eliminate the interest altogether for the time it will take me to pay off my total balance.

    Would this negatively impact my credit rating?

    Are there any other hidden costs or problems?

    Any helpful advice greatly appreciated.

  • Judi says:

    i had a thought of credit, but im unsure if a debit card is a credit card. i used my debit card ( when i had a job ) to withdraw money from my account. i had left $18.34 i wanted to take out $10.00 dollars for a purchas without taking my card with me. but when it asked how much withdraw it only went up to $20 dollar withdraw. so i withdrew 20 and owed my bank 2 dollars. that ended up going up within a few months. my question is does that count as credit? if so i didnt know and i do have a bad credit score…lol thanks and no rude comments please, it was my first time having plastic and didnt have a clue how to use it. i got it cause a friend told me it better to lose plastic than to lose all ur money ( bills ) if i got jumped..

  • Corinna says:

    I’m 19, and I have a pretty bad credit rating, what can I do to improve it?

  • Louella says:

    I turned 18 4 days ago and i want to start building my credit rating. i have been working for 4 years and have had wages paid directly into my bank for about 2 years. Yesterday my bank upgraded my account and approved an overdraft of £50, but i have been declined accounts with both Littlewoods and Choice catalog. My plan was to buy something cheap and pay it off evrrty month just to start building my rating.

    Does anyone know how i can start building my credit rating up? If you recommend a credit card, which one should i go for?

  • Wilber says:

    What can you do with a credit card?

  • Hana says:

    I’m 18 and already applied for a non-secured credit card and I got rejected… are there any credit cards that are for starters.

    Btw, I will be attending high school in september. I want to get those students cards, but it seems like they are only for college students.

  • Etha says:

    What exactly is a secured credit card?

  • Terri says:

    I am only 17 right now and don’t plan on getting a credit card anytime soon, but in the future to get cars and loans and such you have to have a good credit rating right? So if I don’t want to use a credit card but want to build up a good credit rating, could I just buy a few purchases every once in a while I know I can pay off and pay off it when I get my bill statement for that month? What happens if you pay the minimum the first month and pay it all off the 2nd does you credit score go down? What if you have a card with no interest for 1 year and buy a lot of things and pay them off at the end of the year, but not at the end of the month you bought them within, would your credit rating go down then?

  • Louella says:

    anyone know of a credit card when you have bad credit?

  • Dewey says:

    Ive never had a phone on contract and i’ve never had a catalogue. These are the things i want to get but can’t because of no credit rating.

    I do pay a virgin phone/internet/tv bill each month.

    I need to know what to do, to get a credit rating??

  • Scott says:

    I just checked my credit report, and it’s a 589! It said I have 0 negative items, and 27 items in good standing. About 10 out of the 27 items were student loans that added up to about $25,000, 2 of the items were credit cards that added up to $5000. I’ve never been late on any payments, and I have no idea why my credit rating is poor. Is it because of the ratio of how much I have in comparison to the lines of open credit?? Like, if you oh more than 50% of all your lines of credit, does that knock it down? I’m going to be paying off these credit cards very soon, how many points do you think it will increase once I pay them off? Thanks
    thanks wizip for completely NOT answering my question.

  • Cyndi says:

    I have two credit cards that have very high balances on them and I was wondering if there is a credit card out there that is just for credit transfers. I would like to transfer both my credit card balances on to one card so then I would have just one payment a month.

  • Allen says:

    i have horrible credit but i need a credit card. is there any way i can get one or no?

  • Isidro says:

    My credit card company ruined my credit rating (my fault I know!) how do I now go about repairing my damaged credit rating? Will I ever get another loan after this?? How long will it take?

  • Olen says:

    I am looking for a good student credit card to see my through college. Where can I go?

  • Norbert says:

    I opened a credit card 6 months ago because it had a $200 reward after my first purchase. I opened the card, bought something worth less than 5 dollars with it, got my 200 bucks, paid my bill on time and haven’t made another purchase on it since.

    My question is: will it hurt my credit rating to close this card? The majority of websites claim it is a bad idea to close a credit card for two reasons: “They will eventually fall off your credit report” and “You will hurt your utilization measurements”. Neither of these reasons apply to this credit card since I never used it.

    Note that I’ve never done this before; before this I only had one credit card that I made all my purchases on. I’ve heard that having too many credit cards can hurt your score so I thought it might be worth noting that this is only my second card. But I’m also curious if it would hurt if I did something like this multiple times.

    Informed answers only, please. Also, if the answer is yes, please offer an explanation. Also, some general insight on whether it’s a good idea to open cards strictly for rewards would be helpful.
    @Artemisc, by your logic, it would be good for my credit to open as many credit cards as possible. Certainly this isn’t the case..?

    @Texasred, are you implying that my credit score will be negatively influenced by having opened the card at all? Meaning my credit score would have ended up higher had I not opened the card in the first place?
    My current debt-to-credit ratio is 13%. If I remove the available credit on that card and rerun the numbers it would increase it to 15%. Not a huge loss.

  • Cary says:

    Does your address where you live affect what kind of credit rating you have? And if someone just used a parents address would the banks know if you asked for a mortgage or such like?

  • Norris says:

    i can not get credit anywhere i have even tryed every credit card for ppl with no credit rating im at my wits end. do you get credit rating by owning a phone line?

  • Danilo says:

    Is ATM card and credit card same thing. or debit card and ATM card same?
    what is the main difference between ATM card, Credit card & Debit card?

  • Jacinda says:

    Friends, pls detailed ingorm me about debit card, credit card and visa card….

  • Karleen says:

    I am only 20 and I have 2 debit cards. my credit score was messed up on my RBS one with my phone contract, i was silly and didnt fully udnerstand phone contracts when i opened one. now will that credit rating be on my santandear account aswell or will it be on 0 score if you understand? will it be same on both? any help please

  • Louis says:

    Does cancelling a credit card or a store card affect my Credit History. If so, how?
    Well, I have been having all my card for the past 6 years and I always pay off the full amount when due every month and no defaults :-)

  • Bill says:

    I have a 792 FICO credit rating, but I’m also a credit “deadbeat”. That means I pay my credit balance in FULL every month. In fact I have a habit of using my credit card like debit, and going home and immediately paying off the debt via internet banking. The CC companies don’t make a cent off me, and I enjoy the 1% cash rebate I get back by doing this. Is this at all hurting my credit score? Should I even be worried?

    I don’t like the concept of “debt” or owing anyone anything. If anything comes up, I won’t ever need to worry about owing people money. I spend according to what I have.

  • Sherwood says:

    I may get a credit card for young adults.

  • Reinaldo says:

    I’m 21, living with parents, full time and part time employment, have 5 years at the same address, never had a credit card or loans,no debt, have car insurance, a missed gym payment from 2004 (when I was 16) resulting in a letter from a debt collection agency and have savings.

    I have never had a loan in my life and have no idea (seriously think they should teach you stuff like this in school rather than Latin or other useless subjects!)

    Basically I’m looking to take out a loan of about £4,500. What with the current economic situation I’m a little dubious about this and have a few questions: If I apply and get turned down will I get a bad credit rating? What are the chances of getting a loan now, or is it best to hold off for 3 months or so? Is Experian Credit check useful? Who are the best for loans for people with no credit rating?! Is it best to apply for a credit card, to gain credit?!

    Like I said I have no idea!

    Thank you for taking the time to answer, it’s a MASSIVE help!!


  • Gavin says:

    I have just checked my rating for the first time online and it says that I am not at the maximum credit rating which is 1500 points. I have had no financial difficulties in the past and have paid off any overdrawn money on time. I have one credit card which I got about 3 months ago, and one debit card which i’v been using for a few years. I am 23. Does anyone know if anything lower than full credit rating means you have been in trouble, or if you must work your way up to the highest level of credit rating?
    I am located in the UK. My credit rating is actually 3 out of 5 while my credit score is something like 1100 points out of a possible 1500

  • Cecila says:

    like what kind of credit card /company should i aply for?….explaind diffent type of credit card…like gift card or um…planium card and stardard cards…and is it safe to use it online …plezz hepl me im clueless

  • Toby says:

    I recently got married and I went to apply for a mobile phone contract, I have no credit history under my new name and I wasn’t able to get one it was like I didn’t exist. My question is this, how do I start my credit rating?

  • Sally says:

    My dad pays for my credit card… is it possible for me to take out money from my bank account using my credit card?

  • Carmelo says:

    Hi, a question from Australians only. What are the consequences after you damage your credit rating.
    Example take a personal loan, or credit card and fail to pay back due to any reason.

    Question 1: Is it still possible to get car finance or any other loan while your payments are outstanding.

    Question 2: Is there any time duration after which your history could be wiped off.

    Question 3: What if the amount owing is too big to pay it back, and one declares himself bankrupt, in that case would he/she be able to start a new credit rating ?

    Question 4: In short, what are the options of getting loan/credit card/car finance (apart from paying the owing amount back) when one has a bad credit rating,

  • Lance says:

    How does increasing credit lines on my credit cards affect my credit rating?
    * Assuming of course I pay all the balances off clean each month. I should rephrase to, “how does having higher AVAILABLE credit affect my credit?”

  • Rickey says:

    In regaurds to credit card fraud. Are all credit cards protected against fraud? So it doesn’t matter what credit card you have, you can always disbute a bill or a charge to the account?

  • Rodney says:

    Due to a below-average credit rating I opened two credit cards, which charge monthly fees. I did that in order to improve the score. Due to me not using them I am fed up about paying those recurring fees, literally for nothing. Should I close them to save the fees or will that hurt my score even more?

  • Kerrie says:

    1. How do you establish credit?
    2. What is “credit rating”?
    3. How do you find your credit rating?

  • Denver says:

    I recently got a credit rating report and ther were qute a few things still on there that I had paid off years ago. I still have quite a high balance on a catalogue and a store card, plus lately have been overdrawn quite alot due to companies taking cheques out two weeks later than expected which means that I have become overdrawn and had several overdraft charges. Reason I am asking whether I can improve my credit rating is because in the next year or two my partner and i are looking to buy our own house and don’t really want to get knocked back due to my credit rating. Which we did not so long ago. I am making regular payments, high payments than the minimum to try and get things paid off. I also would like to know is, say in a year I manage to pay everything thing off and all balances are 0, will my rating improve and be able to get a mortgage?

  • Jefferson says:

    what is the best credit card is the best to start out with

  • Ethelyn says:

    Hi there,

    Quick question…For building credit, is there a difference between student credit cards and regular credit cards? Because I’m gonna apply for a new credit card, and I wanted to see if I should choose the college credit card or a regular one….or if it even matter in terms of building credit. Thanks.

  • Shannon says:

    I used to pay the balance of my credit cards but was always late. I corrected this problem and am paying them off as soon as I receive the bill. How long will it take to repair my credit rating and should I close all those credit cards that I no longer use. I was told the old accounts that haven’t been used in years don’t really count. Is this true or should I close them?

  • Rocco says:

    I have a credit card I hardly ever use because of the high interest rate. I do not owe anything on it and I have another card in good standing. If I cancel the high interest card, would that impact my credit rating, positively or negatively?

  • Clara says:

    Where can I find hotel reward credit cards?

  • Dana says:

    I am 19 years old and would like to boost my credit rating for the future, when I want to buy a house or get a mortgage etc.
    I am not sure what my credit rating is at the moment but am in part time work which pays very well. I would like to know any websites that would provide a credit rating for free which is easy for me to understand, and any advice on ways to make a credit rating or score better?

    Thanks :)
    I would also like to add in reply to Steve D,

    I am not very good with understanding about credit, but, I have no credit cards and live at home with my parents. I do not know what you mean by credit accounts. I have no overdraft on my account however I have gone overdrawn a few times.

  • Rafael says:

    Hello, I’m 21 male from UK. I have been working since I was 16 started on £11,000 P/A now a Sales Manager on £23,500 P/A. I have never been out of work and have no debt. I missed 2 payments whilst is Spain for 3 months for my phone contract but soon as I got back I paid in full. My Rent, Car Insurance, Sky, Virgin, 3 O2 Contracts, bills etc have all been coming out never missing a payment for the last 2 years (when I left home). You get the picture. I went to get a Argos card the other day and declined. So I checked my score its 350!?!
    All the payments on my file for my bank, O2 etc we’re all green ticks. Only one which wasn’t was the O2 one mentioned 2 and a half years ago. I owe no money to any lenders etc and want to build up my credit to purchase a house in the future. I have a debit card cash account and a savings account and this is as far as I can go. I want to build up my credit but they will not accept me for a high rate capital on card for people with bad credit.
    I have only lived at 2 addresses all my life one with my parents for 19 years and this one I rent with my partner for 2 years.
    I just don’t get it? I get people coming in my shop on the dole with credit cards, phone contracts etc.
    My partner who does not work and looks after our 2 children has debts from before we met of around £5000 and a couple of CCJ’s got accepted for the argos card and her score is 695!
    I am sorry for the rant and apologies in advance for putting my wage this was only so people could get an exact picture and could help me. Also no haters please as I am young with 2 children but I work hard for my family and we do not claim etc.
    Any Help will be very much appreciated.
    Kindest Regards
    Gary (I’m on my partners account)

  • Jefferey says:

    I want to apply for a credit card but I don’t know about credit card companies which provides best credit card.

  • Ivan says:

    i just got my credit card and i’m wondering what this credit rating thing is all about, and how to keep my credit history good?

    and what not to do

  • Rodney says:

    I am 20 and looking to build up a good credit rating, whats the best way to improve it?


  • Stewart says:

    I had a delinquent credit card account that was closed on me. I just paid it off and now have no credit card debt. I have no other negative credit items on my report. Now, my only debt is a mortgage which is current, and a student loan which is current. Still my credit score sucks because I had this closed credit card account.

    How can I build up my credit scores again? I have heard that I should re-establish my credit with another credit card company. If this is true, which is a good company to start with again? Name names. I would like to one with a fairly good rate, but I’m not even sure if can get a credit card account because of what happened with my last credit card.
    Very important: Besides credit cards, what other steps can I take to improve my credit? Thanks!

  • Porfirio says:

    What creditor can I get a credit card through…even department store just to use as a rebuilder? Score is about 500

  • Rosa says:

    Wireless credit card terminals continue to gain popularity among small and large businesses.Historically, mobile credit card terminals have developed hand in hand with all the advances of the cell phones industry.In short, wireless credit card terminals (or virtual credit card terminals) offer the merchants very convenient way to accept debit or credit card payments outside of the office, warehouse or any other place of business. In addition, recent developments and technology made it possible to have the wireless credit card terminals only without any need to install a regular stationary “point of sale”.So the only things a merchant needs are the smart phone and a wireless credit card terminal.

  • Dawn says:

    i would like to know what is a good apr rate, and what does apr mean? is that the interest?, and i’m new to credit, anyone know a good online place where to get a credit card like mastercard, discover, american express? thanks
    i dont want mean answers please………and if you do, your probably the ones who are thousands in debt

  • Margert says:

    I was declared bankrupt about 4 years ago and discharged 6 months later. Since then I have had a current account which I have been running in good order. However, I recently tried applying for credit and was refused on the basis that there was still some issues with my credit rating. Is this due to the bankruptcy still? A friend told me that I needed to obtain something from the court stating I was bankrupt in order for me to be able to apply for credit again, is this the case?

  • Aleida says:

    does anybody know where you can be 100% approved for a credit card with bad credit and without me sending them money or them giving me a limit of $300 and after the bla bla bla charges only have $50 left?

  • Carrol says:

    My husband owed money from a credit card which had not been paid in ages. Finally we organised to pay the card off fortnightly and have now paid it all off. The problem is that the people from the collection agency said my husbands credit is buggered. My husband said we can’t get a home loan for at least 7 years.
    Can a credit rating be fixed or are we stuck like this for the 7 years. I am from Australia so I don’t know if the same laws apply alsewhere.
    Just want to make sure people atually read the question and give serious answers only. (Looking at the person who answered this first who obviously didn’t read it properly)

  • Hans says:

    I have been having problems paying my credit card – the credit card company offered me a lower settlement to clear the entire amount. Does doing this hurt my credit rating and score?

  • Jerri says:

    Let’s say…

    -1 is bad credit rating
    0 is normal rating
    1+ is good credit rating

    my question is… if I have no credit card and I pay all my bills on time, will I get good credit rating (1+) or just normal credit rating (0) ?

    Does it actually make our credit rating better to have a credit card?

    Cause, I’m actually a kind of person who doesn’t really like to borrow other people’s money…

    Thank you for all your answers! much appreciated.

  • Margrett says:

    I have an excellent credit rating with my own credit cards. I am an authorized user on one of my mother’s cards. She is becoming careless about paying hers on time. She refuses to let us, her children, handle her finances. She is extremely stubborn and will never change. Should I have my name removed from her card to protect myself?

  • Miguel says:

    I’m turning 18 in 2 weeks and i was wondering if i would be able to get credit cards?? i saw online that i could get one for up to 5000 dollars, is that true?? i dont believe everything i read so i was just asking, and i dont want to hear thats its going to ruin my credit, i plan on putting a ton of money towards it every month, if anything it will build my credit, so any advice? or good brands of credit cards i would qualify for?

  • Marget says:

    I know its rubbish but I would like to make it ok again. How can I increase my credit rating?
    I am based in the UK.

  • Chae says:

    I have about $33000 in CC debt and I am receiving a piece of inheritance from my grandparents that will allow me to pay all that off at once. I know I shouldn’t close the accounts, but how can I make sure the impact of paying off all the debt at once can be reflected onto my credit rating as I need to borrow money to buy a house?
    Should I call the credit bereaus and have them update information right away? I will be applying for the house loan about 2 weeks after paying all this off……something tells me that may not be enough time, but I have to make an offer on a house that is a fantastic deal at this time.

    Thank you!
    Downpayment will not be an issue as I will still have money left over from other means as well.
    How effective is showing the balance statements to lenders? I know the credit scores wouldn’t be updated, but would this help with loan rates?

    Thank you for your answers so far.

  • Isaias says:

    What are some shooping stores to apply for a credit card???

  • Louie says:

    They say the U.S. may lose AAA credit rating what is that?

  • Dee says:

    What role do the credit rating agencies play in a bond issue?

  • Jeff says:

    1.I have a credit card with Aus$2100 credit but the laptop i want to buy is Aus $2500 will they(dell computers) accept my credit card?
    2.Will the bank (HSBC) allow the transaction of buying a computer that is over my credit limit?
    CREDIT CARD credit limit problem?
    1.I have a credit card with Aus$2100 credit but the laptop i want to buy is Aus $2500 will they(dell computers) accept my credit card?

    2.Will the bank (HSBC) allow the transaction of buying a computer that is over my credit limit?

    (I do not mind paying overlimit intrest fees to the bank.But wheather that will affect dell accept my credit card im not sure) pls help

  • Emerita says:

    Is it the same as credit score?
    What is credit rating used for?
    And what affects a person’s credit rating?
    I think this is just for a person, not a company. Can anyone help me?
    And please list your sources. Thanks!

  • Tynisha says:

    Hi I paid off all my debt except for one which is 137.00 on my credit reports. I wanted to apply for a credit card for bad credit because it says on my credit report that I need to get a major credit card Visa, MC, Discover, or AMEX and pay on it monthly. I do not want to use to card for cash advances! Thank you all answers welcomed.

  • Taunya says:

    My husband and I would like to buy a house in the near future but have recently found out that I have a poor credit rating. When I was 18 I helped out my mother by becoming a 2nd applicant on a number of loans that she took out to get ahead. I was unaware until now that she has never paid a cent on these bills and they are all defaulted against my name including a few court judgements. My mother hid my mail and screened phone calls so that I never found out about it. It wasn’t until my husband and I started looking into homeloans that we found out. Do I have any legal rights in this matter. I simply did as my mother told me to when I was 18 and now I could be paying for it for many years to come and my husband and I look as though we will be unable to buy a house. We are expecting our first baby in Feb so this is rather distressing. ANY advice would be very much appreciated. THANKS!!

  • Val says:

    what is deffrence between student credit card and secured card?

  • Oliva says:

    what is chip credit card? Should I take HDFC BANK titanium edge credit card?

  • Chae says:

    i need a credit card, not particularly much credit needed say £1000-£2000. i can handle the card just want to boost my credit rating from when i was younger. would like some sort of interest free period even if like couple of months.
    can anyone steer me in the right direction, thanks

  • Waneta says:

    Hello.. I am just about to buy a house with my Husband, we were left a large deposit. My credit rating is zero due to the fact I am an at home Mum and do not work. I did have one debt I cleared 3 years ago it had slipped under the radar and when I found out I paid it right away, but we are talking like £300. I have never loaned any money or had credit before. Once ive brought a house, does my credit instantly go up or do I have to write to the relevant companys? Thanks :)

  • Jeff says:

    my credit rating is poor, what can i do to get a credit card?

  • Teofila says:

    I wanted to apply for a credit card that is unlimited and just a good friend got a credit card thats unlimited and i wanted to know where i can get one at?i need it for college.thanks!

  • Waneta says:

    I just checked my credit score today and I’m at 729 with a rating of “fair.” How can I improve that to good or even great?

  • Kevin says:

    I am 20 years old and I want to unsubscribe from Setanta subscription sports channel.

    Now Setanta are infamous at trying to wriggle out of and delay subscription (google Setanta unsubscription and see the numerous tales).

    Now what people have said they’ve done is cancel their direct debit at the bank to force the unsubscription….But Setanta often respond with a threatening letter saying to reinstate it or we’ll damage your credit rating (obviously they don’t word it quite that direct).

    Anyway, seeing as I don’t have a credit card yet (i use debit cards), or have got on the credit ladder, can they ‘damage me’ credit wise if i don’t have a credit card???

    I don’t fully stand a lot of financial things yet. Can UK people answer please
    Well Setanta say to give them 2 months notice to subscribe. This i plan to do shortly in a letter. Then I am planning to cancel my direct debit if 2 months after the letter they STILL have not cancelled it. By doing that I can say I told them.
    There terms and conditions are that they have 2 months advanced notice of when you want to unsubscribe, so it’s not as if I’m pulling the plug and breaking a pre-approved contract. I am playing by the rules

  • Era says:

    If I buy something with my credit card and go home and pay it off right away; will it hurt my credit rating?

  • Alfreda says:

    Where can I find a prepaid credit card fo help build my credit rating?

  • Darius says:

    I have tried to open a Student Account and have been unable to do so because of my bad credit rating. The only contract I have ever had is one with Virgin mobile where I fell behind with payments and now owe them £229. I’m going to pay back Virgin in due course however when will my credit rating be ok again so I can open a student account and receive an overdraft? Thanks guys

  • Natasha says:

    is there any credit cards that you qualify for once u turn 18 and dont have any acounts in ur credit history? because im trying to build my credit score… please let me know any store that gives u credit card. thanks!!!

  • Taren says:

    My friend is a minor like me, we’re only 15, but he has a credit card that he uses to buy stuff online, so he doesn’t have to use his mom’s credit card. I was wondering where to get something like that, like a credit card that you fill up with money and you can use it anytime.

  • Leda says:

    My request for a new credit card was rejected. When I asked for an explanation a certain telemarketing person said that I was a credit card tart and that is why my request was rejected. What does a credit card tart mean?

  • Lucas says:

    So I have no credit. I go to apply for a credit card so i can build my credit..but i cant get approved since i have none..anyone know of any credit cards that i could get to help build my credit??

  • Joe says:

    whats the difference between credit cards and the reward credits cards??? and which one is better?

  • Tom says:

    A family member suggested I get a secured credit card to help build credit for myself. I figured this was a good idea, however, upon looking USAA also has a student credit card. Which one would be a wiser idea for a 18 YO college student to apply for and use for small purchases (I was thinking of just using it to buy gas or occasional groceries)?

    For reference, here is the student card:
    here is the secured CD card:

    I should note I have no credit, and haven’t applied to either yet.
    Thanks for the detailed answers, all! Going to go for the secured card, and use it through community college then advance to an unsecured card!

  • Michal says:

    what is a unsecured credit card?

  • Deanne says:

    i’m 20 and i currently have no credit score rating as of the minute – i’m starting a new job with a good wage coming through. how can i begin to gain a good credit rating?
    i need a good credit score because i’m starting to be unable to purchase things online, i’m having to pay through my mums account.

  • Virgil says:

    Can I get a credit card although I have bad credit?
    Which credit cad?
    which bank?
    How much would be the highest spending limit be?
    I have only had ONE credit card before,(don’t owe much on it),
    but I have a broken lease,that may have been the reason to the low/bad credit.
    What is my options/chances?
    Could I also apply for any of them online.
    I want a decent card,NO scam!

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