KIZIAH asked:


I am continuously getting these credit card offers in the mail. I am concerned both about the security risks of these as well as the trees they waste this way. What can you do to get them to stop sending them?

Monica

mhlowe88 asked:


I have already applied for two credit cards and was denied because I had no credit or not enough income. I am a college student and figure it is a good idea to start establishing some credit. I plan on only using the card for gas and emergencies but can’t find one that doesn’t require good credit or excellent credit. Any info would be great, thanks.

Karen

slam3345 asked:


I opened a credit card account 7 months ago and I realized that I don’t need it any more. I am a college student and right now i have 3 credit cards. I do spend money moderately and I do pay my cards off on time. Since I I just started my credit history is ok to cancel my second or third card or should I just keep them open. I realized that I dont need three credit cards. How would it affect my credit score?

Patrick

nayomiee116 asked:


I want to start building up my credit history but everytime I apply for a credit card I am denied because I don’t have enough credit history. What kind of credit card can I get that WILL except me.

Wesley

Tim asked:


I am 18 years old and just looking to start to build my credit to not be dependent on my parents for things and as an emergency. I applied for one through my credit union, applied through one through capital one and i just applied for a student forward citi card and i got rejected from that as well. I know that it isn’t good to keep applying over and over again. What should i do?

Natalie

Tammy_Suto asked:


I’ve recently gotten 2 credit card bills in my name for cards I never applied for nor do I have. I’m on disability and have filed for bankruptcy a few years previous so I couldn’t get a card if I wanted one. I’m at a loss for what to do since I can’t pay for charges that I didn’t make.

Gerald

Sam B asked:


My credit card company told me that if I make any payments over $500, that they are required by law to hold it for 10 days before crediting my account. Also, they told me that the same holding period is required if I make more than one payment in any billing cycle. I have Googled my fingers off, and can not find any references to any such law. Does it exist? Or is my CC company just feeding me a line.
My credit card company told me that if I make any payments over $500, that they are required by law to hold it for 10 days before crediting my account. Also, they told me that the same holding period is required if I make more than one payment in any billing cycle. I have Googled my fingers off, and can not find any references to any such law. Does it exist? Or is my CC company just feeding me a line.

ADDED NOTE: All my payments are electronic–no need for them to worry about bad checks.

Cindy

ResonantGlow asked:


I recently got my credit card and there’s currently $3 in pending charges, they’ve been there for a while, but it’s not decreasing my available credit and they’re not getting resolved. My outstanding balance currently depicts what I’ve spent so far on the card accurately, but that $3 pending has been there for a while… Am I getting charged for something I don’t know about?

Glenn

Patti labell asked:


Last year I became a single mom with three kids. We had good credit until my husband left me. I have a card with a $1000.00 balance. It is now in collections. They will settle for three payments of $289.00 in three consecutive months. Obviously I cannot make those or I wouldn’t be in this situation. Can someone tell me what will happen next?

Ana

confused asked:


is there an age limit? does a person have to be a citizen of the United States ti get a credit card? can a parent give a credit card to their children to use?

Louis