I have decent credit though we had cancelled all my cards when perplexing to get out of debt. we am right divided giveaway of all unsecured debt though we need to have a label so in a destiny we won’t be harm by carrying no credit.
I’m meditative we wish a label with no annual price as well as a low APR. The label would usually be used really occassionally as well as paid off immediately. we have no enterprise to repeat prior mistakes.
Does any one have any recommendations for a great label for this purpose?
Okay, as we said, though everybody is skipping, is which we have decent credit. My credit measure is 700.
When we got in to difficulty we went in to debt converging right divided BEFORE my credit got screwed up.
But we do conclude those of we who have been receiving a time to answer.
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Comments: 12 comments
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teenriodoll
July 18th, 2009 at 1:27 pm
Congrats, on your cleaning up your debt and your credit score. What you want to do is compare credit cards and the good news is there are many internet sites that will allow you to.
Check http://www.creditland.com, http://www.bankrate.com, http://www.credit.com On these sites you can look and compare the credit cards that have no annual fee and a low APR. Also if you belong to a credit union, they have excellent rates. You may also consider doing a search for LOW credit card rates in search engines. USA Today does a comprehensive list every year.
I hope this helps you out.
Good Luck
Primetime
July 18th, 2009 at 1:27 pm
Good Luck,…The only company that is worth anything is http://www.wewontscrewyou.com
I think they would be able to assist…
Kidding
mary o
July 18th, 2009 at 1:27 pm
i think that getting a visa from the bank of your choice would be best way to regain stability
puresplprix
July 18th, 2009 at 1:27 pm
if your not using it that much and your going to pay it off immediately the apr dosnt really matter that much its the annual fee your going to have to get around. By all means if you can find one with a low apr go ahead but it sounds like that is on the back burner compared to how you say your going to use the card
Tragic
July 18th, 2009 at 1:27 pm
I would try Providian. They dont have an annual fee and their APR is as good as any other. I think you can even apply online at http://www.providian.com
Dont be shocked if it reroutes you because they are in the middle of changing their name to Washington Mutual. But they are a great company and have a wonderful website. They even update you every month on what your credit score is so that you can kind of keep track and watch for identity theft. Anyway, good luck.
Dom D
July 18th, 2009 at 1:27 pm
If you have bad credit you won’t be able to get a low APR and no annual fee…
Try a Secured Card. You put the money up yourself and work off that for about a year.
zwl88796
July 18th, 2009 at 1:27 pm
Its going to be hard to find a card with no annual fee and low apr for someone to re establish their credit, your best bet is to try capital one. I have 2 cards thru them a visa and a mastercard their rates are a little high but they are a good company, I had no credit established at all and I got a credit card thru them and they give credit increases every 3 months or so I believe if you make your payments on time and dont go over the credit limit.
kyle b
July 18th, 2009 at 1:27 pm
I wouldn’t recommend any credit card. They drag your credit down the worst. If you do get one, I would find one that won’t keep raising your credit line, because that is what gets most people in trouble. Not having a credit card at all doesn’t hurt your credit any. My feeling is just save up your money. When you use a credit card, you’re just spending money you really didn’t have to spend to begin with. Not enough people see this, and fall into the trap. Americans are way to dependent on credit cards.
justagrrlinnytoyou
July 18th, 2009 at 1:27 pm
Providian and Chase are horrible- they give you say…a $1500 credit limit…you charge it up because you’re low on money or lost a job or had an emergency, etc. Then, about a year later, after you’ve paid, and paid, and paid at your low introductory flat rate of say…7%, they send you, in teeny, tiny print, a notice that says you have to "opt out" by cancelling your account if you don’t want to pay upwards of 28% – 29% interest. They say they have a right to "ammend" your account if you don’t meet their payment preferences…say, you only pay the minimum payment or slightly above each month.
My recommendation? Go with American Express Green Card. Yes, there is a $59 annual fee, BUT, you have to pay the balance at the end of each month which prompts you not to charge it up. As well, every payment you make shows up as a positive on your credit report.
echo
July 18th, 2009 at 1:27 pm
Depending on how long ago you canceled your cards, and the standing on the cards when you canceled, you might try to see if they will rehab one of the cards.
You might go to the Bank of America website. They have a card selector that you can do that will not pull a hard inquiry for a recommendation. If you apply for a recommended card, then they will pull a hard.
Orchard Bank and HSBC also have the card selectors but they are not as prime as BoA.
Stay away from Cap One. They do not report your credit limit, only the amount that you charge. That will definately hurt your utilization and lower your scores.
Crazy girl
July 18th, 2009 at 1:27 pm
http://www.household.com
suzypeaks
July 18th, 2009 at 1:27 pm
i would get one from here
http://www.wesayes.com
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