User Questions & Answers about Other
Recently Answered Questions:
I want my dad to co-sign for a credit card. Is this possible?
Answered by 
Leo Zhu, at May 17, 2013
Yes. Almost all major credit issuers allow co-signing, but there may be some restrictions. If your father has a credit card with one of these issuers, he should contact them for details.
Co-singing is not the best way to build your own ...
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Can I apply over the phone?
Answered by Leo Zhu, at May 15, 2013
Some credit card issuers do have cards that you can apply for over the phone like Capital One. Call (866) 554-0808. You need to be at least 21 years old.
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Are there any banks that offer a secured credit card account that will permit you to make incremental deposits, say in 1/2 or 1/3 amounts, until the full amount of the deposit is reached, account opened, and card issued? Thanks for your help in advance. I greatly appreciate it!
Answered by Leo Zhu, at May 14, 2013
Look at the Capital One® Secured MasterCard® credit card. Once you are approved you can deposit $49, $99 or $200 as collateral. Your security deposit gets you up to a $200 credit line.
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How does a credit card help my credit, and when am I going to see a difference in my score once I get a card?
Answered by Leo Zhu, at April 11, 2013
Credit cards (secured or unsecured) are one of the best ways to establish or improve your credit. Your credit score will rise if you make on-time payments and stay within limits. After six months of responsible credit card use you will see your credit score improve.
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I have lost my wallet with my credit card in it and wonder how I can put a hold on my card until it is found. Thank you.
Answered by Leo Zhu, at April 1, 2013
Call the credit card issuer. You can search for the issuer’s contact information online if you do not have a phone number. You should also contact TransUnion, Equifax, or Experian, and place a fraud alert on your credit report.
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I just found out a family member of mine has a credit card in my name. I can’t and don’t want to get them in trouble. What do I do? Please help me!
Answered by Leo Zhu, at March 25, 2013
If you didn’t give that person permission to open a credit card in your name, then it is identity theft. You should contact the creditor who issued the card and inform them about the situation. You will also need to contact the credit reporting bureaus as well and put a freeze on your reports. Also, you ...
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I’m going through a divorce and would like my name removed from my present account. I do not have the account number because my spouse has taken the card from me. I would like to get a card in my own name. Please let me know what I can do.
Answered by Leo Zhu, at March 22, 2013
To remove your name from your current account, you should contact the credit card issuer to see what they recommend. As soon as you resolve this issue, request your credit report and check your credit score. Then apply for a suitable credit card.
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Hello. I want to set my 23 year old son up with a credit card. I am looking at one with a high APR. Do you have to pay anything over what is spent on the card if you pay it off before a certain amount of time? I just can’t see paying someone if you have the money in the bank? Thank you
Answered by Leo Zhu, at March 20, 2013
If you are planning to pay off the balance each month, you will pay nothing in interest. But if you miss the payment with your credit card, the interest will accrue. The Capital One® Cash Rewards for Newcomers has a variable rate, which means the bank can approve you for a lower interest rate.
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I would like to know if Fingerhut is a real card and how much it will cost. Is it worth applying for?
Answered by Leo Zhu, at March 20, 2013
The Fingerhut Credit Account is for shopping only from their catalogue or online at fingerhut.com. There is no annual fee and there is no over-the-limit fee. If you make a late payment, you will be charged $25 for the first late payment and $30 for each subsequent one.
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Can a person with no employment history have a high credit score?
Answered by Leo Zhu, at March 14, 2013
Yes. Credit scores are based largely on your history of repaying debts, so if you have a history of paying your credit card bills, car loans, mortgage or other debts on time, you can have a high credit score regardless of your employment status or history.
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Most Popular Questions by Category:
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