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if you dont have any credit, would getting a credit card and only spending $20 each month and... |
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Date:
February 1, 2007, 8:38 pm |
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if you dont have any credit, would getting a credit card and only spending $20 each month and paying that off on time help you gain a sufficient amount of credit?
If you did do this would a bank still be hesitent to give you a loan? |
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Answer:
In your case your only option is one of bad/no credit card applications. They are designed for people who have little or damaged credit, or have no credit at all. Such type of credit cards implies high charges and low credit limit, as the risks of the bank are high. Some credit cards of this type imply set up fees that are charged for setting up the account. But you should keep in mind that you must not pay anything until you are approved for a credit card, as banks that take money from the customers and refuse after that, are illegal.
Pay your credit card on time and in full and in some time you will be given a higher credit limit and probably your APR and charges will be lowered at your request. |
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