Can we get better deal from credit cards?
552842
The best deal credit card companys can do for the public, is STOP OFFERING SO MUCH MONEY. Gets harder to say no daily!
126822
Get one that makes you pay in full every month (like American Express.) And use it only if you can pay it off every month. Otherwise it is a black hole that will suck your financial house dry. You absolutely must set limits for yourself. People get in $30,000 to $100,000  without even noticing. And don't fall for the transfer for 0% scheme. The first time you are 1 day late the rates go to the maximum (over 25%).When you buy on credit you pay more for what you are buying. Why pay more?\nTo establish good credit have no more than 2 credit accounts, never ever be late with a payment, and pay off as soon as possible (not the minimum payment--you'll be a slave to it for the rest of your life). If you do that it makes sense to have credit so you have a good credit rating for big purchases like a car or house that you cannot pay in cash. But the less you spend on credit the more you have to spend without all the interest--or better yet, talk to a financial counsellor or just save in an interest free retirement or investment account. No matter what your age.
564135
This is a trick by the card companies to get them to spend more on their cards so they can be fleeced out of more and more interest.  I would rather keep my money safe than have cheap trinkets and meaningless offers; stuff credit cards- its just profiteering from those who can't afford it, like the Lottery.
930064
Better credit score! Which means better rates...The amount that you'd be able to put down wouldn't make that much of a difference in your payments, but a better rate means lower payments!
1076838
Pretty soon you will start getting offers from credit card companies (Householdbank, Orchard, First Premiere) and although they start you at a tiny $250 limit, it is a way to start re-establishing credit.  Just charge something small and make payments.  I know it looks like there is no hope, but there is.  Also, order a copy of your credit report and see what is on there.  Try and challenge anything.  Sometimes the credit agencies are so lazy they won't verify anything.  Is your BK dismissed?  Sometimes if it is dismissed, you can have it removed.  I just got mine removed from Experian.  Good luck.
69558
None.  Use a debit card, save money, invest.
187167
It sure sounds like a great deal.....but read the fine print VERY CAREFULLY on the agreement.\n\nWhat it means is for a set period of time (lets say 6 months) you can use the credit card to make purchases, and not pay any interest fees at all.\n\nAfter that period, you start paying a set amount of interest on the unpaid balance.  Sounds cool, right?\n\nThere are the traps you have to know about.\n\nMany people run the card up, and have a large balance at the time interest kicks in.  They make minimum payments, the card never gets paid off, and everything gets out of control.\n\nDepending on the offer, the interest rate is pretty low, maybe 15% (or lower).  The credit card companies have buried land mines in the contract, and if you step on them you die!\n\nExample #1:  If you go over your credit limit and do not bring it down by the next billing cycle, they will automatically (and without notice) increase your interest rate.  There are no notices and no warnings.  You only find out when you get the next month's statement.  It's not uncommon for people to be paying 25%-30%.  OUCH!!!  \n\nIn the past this would never happen, because if you tried to charge something, and that charge would go over your limit, it would be rejected.  But those nice Credit Card companies decided to "allow" you to "temporarilly" increase your limit so you can buy that item.  They do this "as a favor to you".  Some favor.\n\nExample #2.  If you are ever late on a payment, they will raise your interest rate.  Don't EVER be late.\n\nWish the government would pay more attention to these credit card companies's scams and less time to other nonsense issues.
355513
Get a credit card, make small purchases, pay them off...keep doing this. Sometimes you may have to secure a credit card with a small deposit but they work the same way..of course, make sure they report to all credit bureaus. Surprisingly not all credit card companies report to all three and a few don't report to any. Also, stay away from "fee-based" credit cards, those companies that give you a card with a 300.00 limit but when you get the card you already owe them 299.99 because of all the fees. Good luck.
448298
Pay on time and don't be late on anything. On a credit card do some buying with it and then pay it off. Cejay
432173
No, they cannot do that, you can report them for threating you. The only property they can take is what you paid for on the credit card, which most companies will not do, since what you bought is usually not worth the money it requires them to get it. Just hang up on them. It will eventually go to charge off.
313465
Depends on your credit balance vs the credit limit on the card more then the amount you pay. The best thing to do would be to pay more then the minimal fee. Perhaps pay it off every month until you need your credit score for a purchase. Try to keep your minimum around $25 to $50. A low minimal payment also helps your score. Always keep the amount charged on the card UNDER half of the credit limit. For example, if your credit limit is $1000, keep your charged amount under $500.
118698
Credit cards can be good if you know how to use them. They can also be very bad if you don't. The card card companys are great for giving cards with low credit lines. They do this know full well that you will go over the limit, and it is big time to there advantage. They hit you big with an over the limit charge penelty and big interest like 32%.\n\n The way to use the card is to use it like a checking account. IE if you can't pay at the first of the month in full don't buy it. And never pay the minimum payment if you do it could take you 10 years or longer to pay it off.\n\n Keep in mind it is some of the most exspensive money you can use. \n\nBecareful and enjoy.
560060
Try first permier bank. They offer credit cards to every one. High APR though. However you can also take a secure credit card i.e. you deposit 2000$ in the bank and they give u 2000$ credit limit. Ones u have this for a few months then you will get a good credit and you can get other cards.
1089731
http://www.creditcard321.com/\nBut be careful when getting a credit card, period.\nGet one only for emergencies or don't get one at all. The debt thing in america is out of control.
606524
Amazingly, I dom't think there is one.\n\nI would contact them directly and ask them how to purchase credit. There must be a way as they have a table of pricing!
189930
sometimes they get better offers
289212
Through my experience it has always benefited me more to buy from a private sale that way you don't have monthly payments to make. I have found several good deals through private sales so I suggest that as something you should consider. However if you have bad credit and a good and steady job history I recommend talking to someone at JDByrider or a place similar to them. They help you reestablish your credit and there payments/down payments aren't to high.