Posted by | Posted in Credit Help | Posted on 20-06-2010-05-2008
7
It seems that every advertisement for" at home online jobs" require some type of credit card to pay for the service they provide. There is a lot o people who need at home jobs but don’t have any credit cards? Is there anyone out there that can help us work to BUY YOU OWN credit. The bottom line seems that we actually have to buy our own way into any job with or without credit? HELP
Relevant Content
Posted by | Posted in Credit Help | Posted on 17-06-2010-05-2008
3
Don’t give me a "it depends…" answer with a whole bunch of technical mumbo jumbo. I want a number here.
I had 1 credit card for about 2-3 years and finally graduated college and am working full time. I also never had any problems with payments (never missed a payment in my life).
Yeah of course I pay in full. I once thought about not paying in full and realized that I’d miss out on that sweet grace period. ::drools::
Relevant Content
Posted by | Posted in Credit Cards | Posted on 17-04-2010-05-2008
2
I was just wondering how interest rates get lowered on credit cards? Why do some people have lower interest rates, and some have higher? I understand the whole difference between credit scores and that some people have better credit than others. But I know that every single person with a low interest rate on credit cards didn’t "call and dispute with the card company until they lower the interest rate". So, how do they get it? Is it something the credit card companies monitor regularly and lower according to your credit improvement and such over the time? I’m 24 years old, my credit score is 750+. My cards have been allowed higher credit increases in very short times that I’ve had them, due to zealously paying them above and beyond the expect (and sometimes multiple times a month). None of the cards are charged up 1/3 of their limit..less than that. What things can I do to get lower interest rates? One has 22.24%. Not sure about the other two.
Absolutely nothing bad on my credit…
Actually…while it is a good practice to stay on top of what you charge on credit cards (and to immediately pay off what you owe to avoid interest)…it’s good to carry a balance from time to time. Credit cards are for that; for credit. Meaning you DON’T have the money at the time – Thus, that’s the whole point of credit. You can buy what you need now, and pay it a little later when you have the money. Though of course, you don’t charge up what you know you won’t be able to pay back, either. But good credit isn’t built without carrying a balance at some point. If you cancel out your charge each month by completely paying it off, where’s the ongoing charge for ‘credit’? It shows them you are just playing a game, trying to make your credit better, but not being able to apparently handle needing a higher credit limit (which can and does indeed affect your credit score, that I do know). So…if they see that you "pay it off instantly", what’s the point of them upping your credit line??
Relevant Content
