Category Archives: Credit Cards

I’m almost 19 years old and I have had a secured card for about 6 months, and I need more revolving credit. I applied for the Chase Freedom card but got turned down… What cards are good to build my credit for those who are starting out? If you have the income to support it, … Continue reading

I see adverts all over the place for credit cards for people with poor credit ratings, but not good ones. I use my credit card a lot for business travel, and have an unblemished credit history, surely I should get better rates?? The current credit card rates bear no resemblance to the currently low base … Continue reading

I have 5 credit cards with different limits and rates.I’m in the process of paying them all off, however I know you need to have balances on your cards for healthy credit. How many cards should have a balance and how many should be unused? @Stephen, if i have no balances, then what’s the point … Continue reading

Store Credit Cards that is? I would have to say orchard card would be a good one to start with, use it for a few months like around 6 months just enough to build a little bit of credit. Then you could apply for a better card that gives you rewards, such as miles cash … Continue reading

I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don’t need these credit cards and I would like to cancel them and have this "possible credit" to go towards the new card. I heard once that canceling a credit card has a negitive effect … Continue reading

I am wondering if there are any, decent, credit card companies out there that are issuing unsecured cards to people with bad credit. I am tryin to rebuild mine and already have a Premier Card. I need another to continue. Any suggestions? Get a credit card from local bank and pay it in time. You … Continue reading

I need help i need to know what are the advantages and disadvantage between these two cards a debit and a credit card. Debit card: PROS: the money comes right out of your account. you know how much you have and how much you have to spend. CONS: Money comes right out of your account. … Continue reading

My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score … Continue reading

I am applying for a secured credit card after bankruptcy (due to medical bills), Is it to my advantage to get 2 or 3 secured credit cards to build history or only use one? I dont really need or want any loans/credit cards right now and I am big on paying cash but I need … Continue reading

I have several credit cards that I have’t used in a long time. Should I close these accounts or leave them open? How will it affect my credit score? if they dont charge you any annual fee leave them open coz if you close them it WILL lower your score