Why should you shop for credit?
81527
so you can get the best interest rate
230541
Premier Bank and Orchard Bank offer credit to people like us.  \n\nOne needs a credit card for lots of things.  Can't rent a car without a credit card.  We all don't want to be neanderthals walking around with everything we own in our pockets.
710890
Don't pay it all off, carry a small balance, never miss a payment, pay more than the minimum payment, use it, a lot of your credit score has to do with whether you are "using" your credit.
982090
Yes, you can by  asking the credit bureau, the best thing is \napply for a credit card if they approved you it means you do have a good credit and if not it means you have a bad credit.
382243
citi is great. i got a great card that gives me rewards. 5% for everything that i spend at a gas station and grocery store which is most of my purchases and 1% back on every other purchase so when i bought my books for school i used my credit card and got alot of points racked up right now. i can use my points for things like frequent flyer miles, free items from gas stations and free purchases too! its a great company too!
154255
That is true that when you buy a house they will check on your credit history, and it is true that there are other ways to buid credit, and it is true that you shouldn't pay interest if you don't need to.\nSo, it is your choice, in fact, you could finance your car, if you find another good use on the cash you have for it, like if you are thinking of some business and maybe will need the cash to finance it. Or if the momento of buy your house is close, you can use the cash for the initial pay, so you will need less money for the loan.\nBut if you wont use the cash, and that money would be just in a saving account, you should use it for the car, and get some other credits like in credit cards.\nSo, it depends on your needs, and your projects in general.
30406
It's not considered relevant for most jobs.  However, if you have access to the company's money, they may look into your credit because they fear that if you're in a bad credit situation you may need money and be tempted to take some of theirs.
77657
Many companies that deal with lots of monies or goods check your credit nowadays.  This has become a common practice.  Also, companies that deal with other individuals sensitive information (SSN and such) do credit checks.  They use this to weed out those with bad credit because they feel that they are more likely to be tempted to do illegal activities for money.\n\nHowever, I do not then that there is a way to get around it.
1127247
A combination of many factors. To start, marketing is one of the main reasons for personal debt because several companies market their products in a way that is irresistable to customers (e.g., no money down, no interest for 12 months). In addition, as customers we are constantly demanding more, therefore, companies respond by selling us more of what we want. So if you really try to look into the problem objectively, you have no one to blame but yourself. Nobody forced you to buy on credit, to "want" things you don't really "need", to compare yourself to your neighbors. You have to take responsibility for your own actions. It's always easier to find someone else to blame it makes us all feel better. It's harder to admit that we are responsible adults who must get used to making responsible decisions. Next time you get a credit card offer, shredd it. Next time you go shopping for something, ask yourself "do I really need that? Can I live without it? Can I afford it?" then make your decision after you answer those questions. I hope my answer was somewhat helpful. Good luck!
33893
I would personally stay away from any type of credit card with bad credit.  The credit card companies may qualify you but at a higher rate. The temptation may be there but the best plan of action is to either pay for the purchase up front.
94581
The ones that stores offer are relatively easy to get and you can use them to build your credit so you can get a major card later.  However, don't let the balance get out of hand, those cards from stores have stricter penalties and higher fees.
178715
Buy on credit and make your payments on time.
1140894
I own three but rarely use them and if I do its to establish and improve my credit. I use my ATM/debit card as a credit card for larger purchases. Your personal credit is used for insurance rates, jobs as well as many other purposes. :)
743938
Experts say it's better to use a credit over a debit card because if your credit card were to get stolen you would report it missing and you wouldn't be charged for what ever the other person used for it. But if someone got your pin number you wouldn't able to prove that you didn't make those charges.
373890
DONT DONT DONT DONT DONT DONT DO IT.\n\nTHEY CAHRGE HIGH HIGH HIGH INTERST AND YOU AHVE TO PAY TO GET THE CARD, USUALLY A COUPLE HUNDRED DOLLARS.\n\nIF YOU HAVE TO PAY TO GET A CREDIT CARD IT IS NOT WORTH IT.\n\nIF YOU ARE REQUIRED TO PAY THEN YOU PROBALLY HAVE BAD CREDIT OR COLLECTIONS AGAINST YOU IN WHICH, YOU SHOULD NOT BE GOING MORE IN DEBT.\n\nPAY CASH!!!
597249
Either would be OK if you need another credit card. I would check the benefits of any card before I just got one.
946131
You have to have something reporting to the credit bureaus in order to build good credit. To be honest with you, credit cards are the best thing to build your credit, besides a car or mortgage.\n\nJust get a couple of credit cards and keep your balances to around $300.00. Pay at least the minimum monthly payment every month. This will build your credit up quickly, but won't put you into a lot of debt.