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Do I have to pay anything to get a credit card?

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Leo Zhu
General credit cards do not usually have upfront fees. Secured cards require a security deposit. Some shopping cards have application fees. Read the cards terms and conditions to see what fees are charged. Continue reading
I have just come to the U.S. and I am trying to build my credit. I have a Capital One Platinum Credit Card and my question is whether it is best to pay after I make a purchase or pay the complete bill once a month?

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You can pay either way as long as you make your payment before the due date. If you are late or miss a payment, it will negatively affect your credit score. Also, it is good to use only 30% of the available credit limit if you plan to carry a balance. But if you are paying it off every month, you can ... Continue reading
How to know my current balance?

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If you have access to the online account, log in to your account to see your current balance. If not, then you should contact your credit card issuer directly by calling at the number shown on the back of your credit card. If you've lost your credit card or do not have it for any other reason, a quick ... Continue reading
Does the 18-month leeway apply to each medical procedure? For example, I have a crown this month and then an implant six months from now. Does the 18-months start differently for each procedure or is it a one-time deal?

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The 0% interest introductory period on a credit card starts when the credit card issuer opens the credit account. Charges made and paid off during this period won’t accrue any interest. There is only one intro period. Continue reading
I am interested in applying for the Horizon Gold card. I see there is a one-time activation fee. If I am denied, will I have to pay the activation fee?

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The issuer will charge the activation fee when you submit the application. If you are not approved, you can contact them and ask for a refund. But you should contact the issuer within 30 days to be eligible. You can contact the Horizon’s customer services department at 1-800-251-6144. Continue reading
I need to get dentures in the near future. I was looking for a way to pay for them over time. What do you advise?

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If your dentist accepts credit cards, you should consider applying for a card with a 0% interest introductory period. For example, you can apply for the Discover it® card which has 14 months of no interest. Continue reading
It has been brought to my attention that someone has a credit card in my name. Please help.

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You should immediately call one of the credit bureaus and ask for a free fraud alert on your credit report. The bureau you call will tell the others about the alert. Be ready to prove your identity. The credit bureau will also explain your rights. The initial alert stays on your report for at least ... Continue reading
I previously had excellent credit. A divorce and medical situation will force me to file for bankruptcy. I have not filed yet. I will need a credit card to function and a minimum amount will be acceptable. Any ideas in obtaining a card? Again previously my credit was excellent. I have a personal checking account.

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Choose a card depending on your current credit score. Our credit card navigator can help you to find one. Since you are planning to file a bankruptcy, there is a risk that the credit issuer will close your account once it sees the bankruptcy record in your reports. You can apply for a secured ... Continue reading
I don’t really understand how a credit card works or what APR is?

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Credit cards are like loans. Every time you charge something on your card, you are borrowing money which you can pay back later over a period of time or in full when the balance is due. If you choose to pay money back over time, interest will be added to your account. This interest is also known as the ... Continue reading
I’m trying to rebuild my credit. My grade with TransUnion is C, with Equifax it’s also a C, and with Experian it’s an A. What are my chances of getting a credit card?

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Those are VantageScore grades, not FICO scores. Very few lenders look at VantageScore. Most of them use FICO scores to make decisions. FICO and VantageScore have different scales: the first goes from 300 to 850, and the second from 501 to 990. That means that your VantageScore may not be the same as ... Continue reading

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