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Displaying 10 to 12 (of 12 questions) |
Page: 2 of 2 |
User Name:
GEMMA MORRIS |
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Date:
January 10, 2008, 1:22 am |
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Hi there, I've been advised by my mortgage broker to get a credit card and start building up a good credit history. I've never had a credit card before but have a good salary, two savings accounts and a graduate account. Which card would you suggest for me so that i can pay it off in full each month and build a good credit history? And are there any that offer rewards/cashback? |
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Answers:
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Gemma, your mortgage broker was absolutely right about getting a credit card and establishing a strong credit history. It is really good that you have savings and a graduate account, this means you know how to manage your finances. The fact that you earn good money is also important. You have everything to start building a credit history. The main problem you will face is that despite a great variety that credit card industry has to offer credit consumers you are limited in your choice, Gemma. You will be able to qualify only for bad/no credit cards. The thing is that you have no credit history, and a creditor cannot tell if you are a good or bad risk for them. So, I am gonna have to disappoint you on what concerns cash back or other rewards credit cards. Most of them require good or excellent credit. So, in order to start building your credit history, I would advise you to get one of the credit cards for no credit, or a secured credit card. A secured credit card is also a good option. It functions just like a regular credit card with the difference that you make deposits that define the size of your credit line. The most important when building a credit history is to make your monthly credit card payments on time and in full. Good luck with establishing your credit history, Gemma! |
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User Name:
shirley brown |
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Date:
March 2, 2008, 5:10 pm |
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how do i check my account |
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Answers:
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Shirley, if you want to check your credit card account, here is you can do it. The first place where you can find the information about your account is your monthly credit card statement. Your credit card company sends to you such statements every month. You will find detailed information on your credit card account on the statement. It will inform you about your outsatanding balance (the total you owe), minimum payment (or repayment) you are make, your due date, your card's APR, fees and charges, your credit limit, the amount of credit available, and some other details. Another way to check your account is to contact your credit card issuer by phone and ask them to give you the information on your account. You will have to give them your personal information (name, account number). And, finally, if your credit card has an option of checking your account online, just go to their official site and look it up there. |
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