Credit card advice needed.?
82725
What you should do is talk to them and explain your situation... Also I would look into going through a debt consolidator... That is what I do... and I was in your situation and now all I have left is less than a year and I am debt free!!!! I had to go to court for one of my bills... and when I did that the person said that they couldnt take money I didnt have, so they worked with me so I am paying a very low payment... SO your best solution is to talk to all of them... They may be able to help you out...
1160681
See if your bank or one of your major credit cards will give it to you.\n\nWashington Mutual has this as a benefit for their credit card holders.
612020
The more you have, the more open credit you have which lending companies like. As long as you can pay them all off monthly (the best way to use credit cards) you can have as many as you want. I'd say optimal number would be 3-4. Those should be:\n1 visa\n1 mastercard\n1 discover\n1 american express\nThis way you can pay at any location that accepts any type of credit card. I'd also recommend cards that give you bonuses like cash back (discover and american express) or airline miles (all of them).
12932
Credit counselors probably would help.\n\nYou might find the book below to be useful.\n\nNow is the time to straighten out your problem before it becomes overwhelming!!
974056
Try not to spend on the cards anymore. That's the most important factor.\n\nCan you sell stuff? Ebay or whatever, you'd be surprised what people buy. Any income, pay it off your cards.\n\nEconomise on your expenses. It's possible to eat pretty cheaply y'know. \n\nIf you're making all your payments, then your credit rating is probably OK. See if you can transfer any balances to lower interest cards. Make SURE you close the old cards off - call them to cancel the accounts. \n\nMake minimum payments on all but one card. (The one with the lowest balance). Overpay that one. Even a few bucks will make a difference. Another thing that makes a difference, even if it's only a dollar or two a month is to pay early. Make sure that the card payments go out as soon as you're paid. Then you know how much you have left and they'll charge you less interest. \n\nBut won't it feel good to have even one card paid? When it is, hit the next card. It will take a few years.
713348
Go with a creditcard with low monthly interest rates, I would go with america express, they have low interest rates\n----------------------------------------------------------\nhttp://www.bestcreditrates.net
1137400
from one credit to junkie to what may be another, save yourself! cut up your cards, all but one. if you make minimum payments, a 5000 card turns into a 30 year, almost 25000 debt, a huge profit for the card company. Please don't get more! \nIf you really need more credit, there are numerous places to apply on the Internet. just answer a few surveys and then you get a few free gifts as well as an application. Best of luck to you.
607534
It would be good for you to start understanding how credit cards work and learn the discipline of managing it properly. Your parents could probably get you a card with a very small starting limit of $50-100 max. It would help you get under way with a credit history and also understand the penalties that you could get with overdraft and late payments. Go for it, but cautiously
505664
Unfortunately, you must establish credit to purchase cars and homes, the needs of life.\nLook for a card that is low interest and does not have any extra charges. Have a couple of friends or relatives, who are knowledgeable on the subject go over application to ensure you are not getting ripped off. \nTHE GREATEST WISDOM TO HAVING A CREDIT CARD is not to over charge. You should put small purchases on card each month and PAY FOR ALL OF YOUR PURCHASES WHEN YOU PAY YOUR MONTHLY BILL. The way these people make money is to increase your spending limit until your limit is so high that you have to eat worms for five years in order to pay the card off. Pay all charges each month. If you find yourself spending more than you can pay each month, either give the card to a TRUSTWORTHY friend or relative that will not let you have the card or just tear the card up.
431615
Simple. Pay all your debt and cancel your account with them.\n\nOtherwise, stick with them and continue all this stress and hassles.\n\nSo if you can fully pay only one credit card this year, make it this card. You either have to play their game, or get out of their claws.
1107340
paying off the credit card.
839892
Having anything in your name will help.  Cell phone, car payment, car gas card, but if you really want to build credit you need to get a credit card.  Go to your bank and ask about a "student visa" card.  Those usualy only have a $500 limit, so you can't really get into to much trouble with it.  And then just put like $50 a month on it and always pay it off.  That is how I started, and I have great credit!
1170022
Visit Creditboards.com or creditnet.com. Lots of helpful people there that might be able to point you in the right direction.\n\nGood luck!
49021
Try Advanced Credit Systems.\n\nVery reliable and great pricing!
1024028
Ask you bank for a line of credit. The interest rate is cheaper than a credit card. Otherwise consolidate all your debt to give you a smaller monthly payment.
338655
a dept store credit card that was my first one but then I found out I was being ripped off bcuz those have super high interest rates.  it's a good way to establish credit I guess just make a purchase every season and take the rest of the season to pay it off without defaulting it will show you're consistent and reliable.
1017288
Speaking as a 19 year old who somehow acquired $3000 worth of debt through an American Express card, I might be able to help...\n\nI say shop around for the lowest interest/APR rates. I'm not sure which Visa, AmEx, Mastercard, etc are the lowest, but just be careful with your rates. Try to stay away from credit card agreements where the company can raise your rate at any time, because that will screw you over in the long run.\n\nJust keep in mind that you SHOULD NOT GO CRAZY with a credit card. Its not free money. Think of it as a loan every time you purchase something. ...Sorry if this sounds like a lecture, but like I said before, I learned the hard way :-)