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Questions Found with the Tag: "Build Credit History"

What is a credit card?

Answered on

Credit cards are lines of credit. They can be used to make purchases, pay for services, make balance transfers and cash advances. You are required to pay back the loan amount in the future, but meanwhile you can make at least minimum payments every month before the due date. When you carry a... Continue reading
I don’t understand what is so important about having a good credit score. Why will I need to have a credit history at all? I don’t want to go into debt.

Answered on

Establishing a credit history does not mean you have to go into debt. Good credit is a tool, and an essential thing for most people to have. Continue reading
I was wondering if you had any idea as to what credit score you are required to have in order to be approved for the Bed Bath and Beyond Credit Card, and how do you apply for it?

Answered on

You are not required to have an excellent credit score to be approved for their card, but you can’t have bad credit either. Credit scores in the fair range or above would probably have a decent chance of being approved, but there is no guarantee since other factors are considered beyond just your... Continue reading
I want to start building my credit and want to know if I can do in with a Maurices credit card. I’ve never had a credit card or a loan?

Answered on

Store credit cards like the Maurices credit card are usually offered to those with average credit, that is your credit score should be above 600. It doesn't mean you won't be able to qualify for this card while you have no credit established. However, we would not recommend you to apply for a store... Continue reading
How many credit cards is too many?

Answered on

I’ll give you a warning straight away: there’s no direct answer. In fact, here’s a spoiler: as many as you can manage. However, if you want the ins and outs of estimating the right number, let’s delve into the depth of credit card management. Continue reading
What credit card can I get to build my credit if I have NO credit? One that does not have a deposit either.

Answered on

Before you submit your application note that you should not go on an application spree and apply for multiple credit cards. That won’t do any good to your credit and your chances to qualify may get even lower. Choose only one or two credit cards you like and apply online. Now, with no credit... Continue reading
How do Credit Cards work?

Answered on

Credit cards are lines of credit. They can be used to make purchases, pay for services, make balance transfers and cash advances. You are required to pay back the loan amount in the future, but meanwhile you can make at least minimum payments every month before the... Continue reading
I applied for a credit card and asked for an extra card in my husband’s name, so he can use it too. His credit score is basically nonexistent, so he isn’t able to get a credit card on his own. Will being an authorized user on my account help him establish credit?

Answered on

You've done a very smart thing and given your husband a definite advantage in the credit card game, and it seems you didn’t even know you were doing it. Becoming an authorized user on something else's account is indeed a great way to build a credit history—or at least, to begin to build it. Continue reading
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