credit cards? i started out with about 6 credit cards. all department store credit cards, and one regular visa credit card. i have paid them all off except for 2 credit cards, and im still paying on my student loan. in the duration of these 6 credit cards, they all went to collection agencies, and i slowly paid them off, in which, im down to 2 now. Is there a way to combine my 2 credit cards so they will get paid off, and by combining them, i can just pay that as a together amount since these minimum payments to them are killing my paycheck. i know theres balance transfers and debt consolidation. i wouldnt mind balance transfers to a different credit card, i just will not do the debt consolidation route. is there anything i can do to combine these 2 cards? even though i paid most of them off, is this hurting my credit since they were in collections then brought to current then paid off?

Credit Cards? I am trying to apply for my first credit card but somethings are confusing and I don't want to get the wrong one. For instance some credit cards have say a $200 balance but a $115 dollar one time fee so the amount I can use is $85 until I pay off that $115 and I really dont want to pay for a credit card you know? I want to just have one well yeah. Anyways I need to know what I should be looking for when it says Intro APR Intro APR Period Regualr APR Annual Fee Balance Transfer Credit Needed Program Fee Participation Fee Additional Card Fee Annually Grace Period Minium Fiance Charge Lay Payment Fee Over Limit Fee Monthy Account Maintenance Fee And what should other charges and additional fees consist of I am 18 years old and married. I have little credit established and thought getting a credit card would help me build my credit. I'm not stupid I just don't want to make the wrong choice getting my first card. Thanks in advance to anyone who can help me! = )

Credit cards? Ok, here's my story... I have avoided credit cards for a long time. I have heard horror stories about them. I got a store card at Macy's while I was in my first year of college. I did not have a consistant job then, (work study) and at its highest, had a credit of 100$. After having to have my dad co-sign to get my car, I realized I may need a credit card. But I don't know alot about them so I have some questions. 1. With the blemish at Macy's, will I be able to be approved for a card? 2. Is there a card or type of card other than a credit card, that you can buy something and have set monthly payments, or do you have to pay the whole total for all types of cards. 3. What detirmines your credit limit? Can you set if for a low one? 4. Where can I do it online? Please be respectful, thanks.

Credit Cards? Where can I purchase Credit Cards with preset $300 dollars on them without having to create bank accounts etc. I know that certain stores like CVS sell cheaper ones like $100, but to do my purchases I need to have one Credit Card. Alternatively, does anyone know where I can buy new computer parts at low prices (as in not insanely high) wand be able to pay with multiple Credit Cards. (I use New Egg, but I need multiple Credit Cards, so hence my question).

Credit Cards??? Ok I have a question about credit cards. I just got a new credit card to pay off another one because it has 0 % till Jan 2009 on balance transfers. I got approved for $8,000.00 (by the way I have very good credit). Now let me state 1st that I have already a Chase credit card and when I got this new credit card (which is by Chase again) I was trying to pay off my old Chase...now I was informed in the beginning that I can and now they say I can't (which would make sense) but I went on there word. So anyways I paid off my other credit card, which was by an auto store and closed that account today! Now I want to apply for a MasterCard now (which isn't by Chase) to pay off both of my Chase...how soon do you think I should apply for it. Should I wait a month so it will reflect on my credit that I closed the other one? One last thing...I am not using all the $8,000.00 I was approved for..So far I only put $1,500.00 on it.

Credit Cards......? Will closing out my credit cards (after I have paid them off) hurt my credit? I have (in order I recieved them) Capitol One, Chase, Providian, Applied Card Bank, Aspire Card Bank, Orchard Bank, and Wal-Mart. I am closing out Applied, Aspire, and Orchard. I am keeping Capitol One and Chase because they are my longest (I heard you need to keep your oldest) and I am keeping Providian because it has my highest credit limit (I was told you need at least ONE card with a good credit limit) and I am keeping the Wal-Mart card just because. I haven't used any of them in over three months and I have been working on paying them off (I am down to half the balance on all of them). I want to close out those three once I've paid them off but I am curious on if it will hurt my credit to have them closed? If it does hurt my credit, will having the others (on zero balance or paid off every month) help it more then closing will hurt it? Thanks!!!! Capitol One was my first credit card and I have NEVER had problem with them! They are my favorite!

Credit cards?? I've never wanted or needed to apply for a credit card in my life. however my fiance and I are planning to buy a flat in the next 6-12 months and realise that I'm going to need to improove my credit (apparently never owing money is a bad thing). My question is what's the best and safest way to build up credit, are credit cards used as a supplement to debit cards and if you are in credit on your credit card do you earn interest? I know I sound a bit thick but honestly don't have a clue about these things!!

Credit cards? I'm going to start college soon, and I'm being told by many people that I should get a credit card and "establish my credit" by making payments on things on time. People have tried to scare me by telling me that if I don't buy a new car or a credit card via a store in the mall, I won't be able to purchase a house in the future, because I "won't have established good credit" and "won't be able to get a loan". My initial reaction is that they're lying to me in order to sell me credit cards, but is there something to their arguments? Is it possible to get home loans without a history of good, or any credit? What's the best option in a case like this? Why would I need a credit card if I don't plan on having credit in the future? I don't need credit, and I feel we've been brainwashed into thinking it's necessary. Are there home loans that are given based on proof of income or something other than credit history? It really seems as though people assume credit has to be a part of their lives; I'm not sure that's true.

credit cards? I have a capital one card and I just got anothe credit card that is a visa. This new card isn't a very popular company because I don't have good credit so i was wondering does it still look good that I have credit cards and making my payments? Thanks

credit cards? Is it better to pay a chunk off of my credit card that has a VERY HIGH intrest rate, or completely pay off another credit card and half of another credit card? I have three cards and can pay them all off in a few months, but want to be smart about which ones first.

Credit Cards ................? How much is too much credit cards? bank credit cards -and- store credit cards? and which percentage should i look for to compare cards and see which one is better and has low interest? any opinion? thank you guys for all your comments; i will mention a bit more details; i already one card from MBNA (with $150 balance on it) and one from HSBC ($0) -but- i also have cards from kohls ($50), target($50), nordstrom ($0), best buy ($0) and macys ($0). what you guys think?

Credit Cards? My friend and I were thinking about crazy stuff, and came up with he topic of credit cards, and seeing as we are not experienced in credit cards we figured we'd ask for help with a question. I feel like an idiot for asking, but does a credit card cost money if there is nothing on it and you plan to put nothing on it?

Credit Cards? I am 20, I have a Visa and Amex which I use for everyday things.I have a store credit card (express) which has been open for about 2 years and I have only used it twice. Should I close it. Yesterday I applied for a Macy's card and got it for 1 purchase. How long should I keep it, if I barely use it? Does it mess up my credit to have credit cards I dont really use?

Credit cards?? I dont really no anything about credit cards but i need 10,000 pounds. I have a few questions. 1. how mnay credit cards can you have? 2.when do you pay back the money? 3.how much money can you get from a credit card? 4. is it essentially like getting a loan? 5. I dont really understand where the money is from, i mean does it go into your bank acoount? So can you go take out the money in cash from your bank account? So then if i need 10,000 couldnt i just get 10 credit cards and get 1000 pounds from each of them out? How much would i be paying back to each a month? Do you have to get the cards from different banks? I know 10 sounds confusing but im only doing this becuase its to hard trying to find a loan and i really need the money!

Credit Cards? Hi I have a questions here i lived in Singapore and i have credit problems hence all my credit cards applications was rejected. is there anyway that i can apply a credit card? as i need a card for my biz travel

credit cards..?? do you know if i maxed out my card and even maxed it out more than i was aspose to if i pay it back will they give me my credit back,they sent me 2 cards and i thought the credit limit was the same on both i was wrong they shut my card down..can i get my credit back now..?? i am so sorry j@SSon i spelled one word wrong does it make you fell good to cut one others..?? jimmy f all you have to do is at the top of the page their r 3 words ask answer discover click on ask and on the first line just like put a part of your question and then in the 2nd box down thats is where you ask tor question then hit the blue box ,check out what you wrote then hit sudmit ..hope that helps you. yes i sure will pay it all off asap. so then i will get my credit back.??

Credit Cards? I am trying to re-build my credit and would like to get a credit card where I can use in the meantime to to book hotels, rentals etc. Pre-paid cards are okay, but I have known some companies not accepting them. Is there also a company that can provide a individual with a card with so-so credit rating?

credit cards? how do credit cards work? im 20 yrs old and wanting to get my first credit card. im good at paying my bills and all, i just havnt gone and got one yet. can't you get credit cards through your bank? i have a checking account at monroe bank and trust. what should i do?

Credit Cards? I'm 26, I make 40K a year. I currently have 4 credit cards with around $3,000 owed on $4,500 limit. My credit card score was 616 last I saw ( a month or so ago). The interest rates range from 8.99% to 18%. I have always heard that you should call you credit card company and ask for a lower rate. How often should you be doing this? How much of reduction in rate should I ask for?

Credit cards??? Hello, Im interstead in now looking at different kinds of credit cards, but Im after a certain one, Im looking for a credit card that will allow me to buy things over the phone and internet, but also doesnt use money that I dont have in there, in other words I want a card without an extarr $1000 that I can spend that ISNT mine, if you get what im saying? is this card called a debit visa or????

Credit cards??? Hello, Im interstead in now looking at different times of credit cards, but Im after a certain one, Im looking for a credit card that will allow me to buy things over the phone and internet, but also doesnt use money that I dont have in there, in other words I want a card without an extarr $1000 that I can spend that ISNT mine, if you get what im saying? is this card called a debit visa or????

credit cards? i have 2 visa credit cards that i have had for a few years.my credit score is very good and i would like it to stay that way.would it effect my credit score in a negative way if i got rid of the 2 cards and went with one with a lower apr thats offering me a higher credit limit than the 2 put together?

Credit Cards?? I have a total of 10 credit cards with ranges from $300 to $25,000 limits.. I want to cancel all but maybe 3 or 4 to 5 max of the cards.. Which cards should I cancel? I have heard that if I cancel cards I've had for a long time, that will hurt my credit score. Please help! 1 card with $25,000 limit 1 card with $10,000 limit 1 card with $7,500 limit 1 card with $3,000 limit 1 card with $2,000 limit 1 card with $1,500 limit 1 card with $1,000 limit 1 cards with $500 limit 2 cards with $300 limit

credit cards? 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!!!

credit cards!!? I don't have any credit and wont get excepted for credit cards. How are you suppose to get your credit up if no one even offers you a credit card.

Credit Cards? I have three credit cards..are credit cards bad for you and your money spending, toward the cards.

credit cards? i am wondering if there is a special card out there that i can get although i have ppor credit and dont want a prepaid card or anything from my bank account. any credit cards that you know i will be accepted for,,

credit cards? i have 4 credit cards all totally 28,000....i want to start paying them off, i used the cards to complete and finish college which i have done, and now i want to start paying them off so i can start my process of purchasing a home and a reliable vehicle, my credit is kind of scarce so i wont get approved for a consolidation loan, is there any other route i can take to pay off these cards,i make good money, i just cannt get a loan for that high amount.

Credit Cards? Do you have any credit cards? If you do, please try and see a program on ITV.One - 4th May Friday @ 8.00pm called Fraud Frenzy: As credit-card fraud is on the increase etc...Please be kind enough to post your answers after you have seen the above programme. Thanks.

credit cards...?? ok so i dont have a real credit or debit card yet..but there are things online that i would like to purchase. So I bought one of those visa credit/gift cards..and I couldnt use it online because it said you need to have an address on it..that might not have been the problem im not sure..but i was told you could use those over the internet..what am i doing wrong?

Credit Cards.? How many credits cards is it ok for you to have without affecting your credit score? I have three. Two I use, and one that I just pay off monthly and once its payed, I will cancel it. I just want to know how many cards I should have and the how many the avg person might have..Thanks!

Credit cards? I will be 18 soon will i get sent credit cards, my mate said i wont cause i dont have a job..? what card will i get sent?? i have a savings account and i dont know how to get a different account im with barycleys what should i gets?? and how do you get a solo card??? what are all these things??

credit cards? can anyone give me an australian web site for credit cards for people with bad credit history

credit cards? if i have about $5800 on my credit cards right now, and i'll be able to pay it off in about 4-5 months, is my credit basically shot? how bad does this look?

credit cards? i am wondering if there are any real credit cards that i am able to get with poor credit and unsecured..

credit cards?? how do credit cards work if you have no credit how much money will they give you? And what is the fastest way to get more (a lot) of money? (im using it for plastic surgery) Thanks for all the answers

credit cards? could you let me know what credit cards are out there (except bank of america) that have a good interest rate, no annual fee and points rewards for what you spend? I'd like to know you're experiences with these companies too :) I am thinking about switching cards as my interest rate is almost 20% on my bank of america with an annual fee

credit cards? What are some good credit cards for people with no or bad credit?

credit cards? will my interest rate on my credit cards go down if I cancel the cards?

credit cards?? how do credit cards work if you have no credit how much money will they give you? And what is the fastest way to get more (a lot) of money? (im using it for plastic surgery) Thanks for all the answers

Credit Cards? my father passed away like 3 days ago he paid all credit cards up to date has large amounts of credit limits left on them what should i do contact the banks from in which he has themwith ? how about do i go about doing this thanks

credit cards? credit cards are confusing. What should i know before getting one? How can I avoid getting screwed over?

Credit Cards? What if you owe about $14,000 in credit cards what would be the best way of taking care of this? Minimum that is due all is the amt that is owed on each one? And you can't pay the full amt due

credit cards? are there any credit cards out there someone wants to give me i need the number adrress everytibhg

credit cards? Need to pay off some medical bills and would like to find some websites that offer credit cards to help finance that. Any suggestions? Ok, need it be said that it was the medical billing office that suggested I get money from friends and/or family to pay these debts? And since there are no rich relatives, then told me to apply for credit cards to pay off the bills in a more timely manner???

Credit Cards? Which credit cards have the best APR and balance tranfer rate right now?

Credit Cards? What you want to buy with your very own Credit Cards.

Credit Cards? I owe two credit cards and they are about 1400 each there is one that charges more interest than the other one. So my question should I pay them equally or pay more money to the one that has the higher interest?

Credit Cards? I have some of the credit cards which are expired. Is it safe to keep them? Is it possible that any one can use it?

credit cards? need a website for australian bad credit cards

Credit Cards? I have applied for some credit cards from local banks but I didn't use them . Do I need to send it back to them ? Or will they charge me for them ??

Credit cards? If I have a Bank of America Gold card already with $5,000 credit limit, and recently requested another BoA credit card and they only gave me a $2,000 credit limit on that one (but I plan to combine them into the second new card)...will they approve my credit line increase request on the newly issued card if I was turned down recently for a increase on my Gold card? Haven't received the newly issued card in the mail yet, but it appeared online under my account as $2,000 credit limit already, so I assume it's active already.

Credit cards...!!!? does anyone know if i cancel a credit card would it hurt my credit score??? i tried canceling my credit card a while ago and they told me if i canceled the card it would hurt my credit score because i have had that card for 3 yrs now. Is it true or is it just a scheme to get me to keep the card and not cancel it?????