Build Credit History Questions - Page 8

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User Questions & Answers about Build Credit History

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We know how hard it is to get a credit card, especially if your credit is bad. And it is good if there’s someone, who can help you with this. That’s why our qualified experts are always up for your questions, so don’t hesitate to ask.

Recently Answered Questions:

I signed up for and received a Spirit World MasterCard. I did this while on a flight to get the extra 15,000 miles. I no longer want the card. Will it hurt my credit rating if I cancel the card now and never use it?

Answered on

Your score will definitely change especially if it is the oldest credit card in your profile. When you close old card, you shorten your credit history and lower your credit score. Continue reading

I really want to establish credit. I am an immigrant with no history of credit at all. Which credit card would be good for me?

Answered on

If you have a Social Security number, you can apply for a credit card for people with no or limited credit history. You may need a bank account to apply. Also, some issuers charge application fees, so read the terms before you apply. Continue reading

My question is where do I start? I have bad credit and I want to rebuild it but I also want help on paying little bills here and there, so I’m lost on where to start.

Answered on

You can apply for a credit card and use it to pay the bills. At the same time you will be able to build your credit history. If your credit score is 550 and higher, you can apply for the Credit One Bank® Credit Card with Gas Rewards. Continue reading

Is National Credit a creditable source for getting a credit card? I have no credit and want to build a credit history.

Answered on

The National Credit Direct is good for building credit history. Your payment activity will be reported to the credit bureaus. However, this card can only be used at nationalcreditdirect.com. Continue reading

I filed chapter 7 and was discharged in 2012. I have no other credit cards secure or unsecured, the only payments I’m making is my car payments to my credit union. I tried to apply for the American Express card via Costco but I was turned down. How can I start building my credit? Thank you

Answered on

A good credit card to build credit after bankruptcy is a secured credit card. Secured credit cards require a minimum security deposit of about $200 or less, depending on your creditworthiness. The credit limit is usually equal to the deposit but the minimum is $200. Continue reading

I want to apply for a credit card, but do not want to have a negative mark on my credit for applying for and possibly being turned down for the card. Is there a good card out there for someone to re-establish credit and get approved? I filed for bankruptcy nearly 3 years ago and I am steadily rebuilding my credit. I have a car loan and a department store credit card that are both in good standing. Please advise which card would be best to apply for.

Answered on

Almost all credit issuers will request your credit report if you apply for their credit card. A single inquiry won’t affect your credit score significantly, if at all. Your credit score will be affected only if you are applying for several credit cards in a row. Check your credit scores Check your… Continue reading

My credit is above 600, but I would like to improve it. Can a National Credit help me do that? Also I’ve never heard of the National Credit Direct credit card before. Can you please tell more about and if it is secured? Thanks!

Answered on

If you want to improve your credit history the National Credit Direct credit card is a great option. The company extends an unsecured line of credit and the payment activity will be reported to the credit bureaus. Continue reading

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Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

February 28, 2015

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