Which card suits me best, please help?

I want a new credit card, but it has to be a Visa because they are accepted anywhere. I currently have a Capital One, and I'm having serious issues with them. I want a card that has points you can earn to redeem for free cash back, etc. I also want a card that I can build a strong credit history with, great customer service, no annual fee, low interest rates, points for online purchase, gas purchases, stores purchases you know things like that. I charge mostly everything on card, so I might as well have some rewards while I'm at it, but cash back would be excellent. Are Chase Cash Back cards, any good? Drawbacks, oh and I want a card that will give me at least $1,000 credit line and can use anywhere? What cards would you recommend for the things I mentioned like Chase, CiTiBank, American Express, Discovery, Amex? I'm in no hurry to get a card, but it's something I really need to consider soon. Thanks for your answers. No rude answers please.

Alex
I want a Visa that has the following features:

* Low interest rates
* No annual fee
* Great customer service
* Points for cash back
* Points for online purchases
* Points for gas purchses
* Points for store purchases
* Grocery purchases
* Basically a card that I can use anywhere WITHOUT any problems and with great rewards program. Thank You.

you might want to go here to compare them http://www.bestcreditrates.net

Question about virtual credit cards?

Where may i order online a cheap virtual credit card online?
Mainly for Paypal verification for non-US residents

Thank you

I have an account though MBNA (Now BankOfAmerica) and they offer free virtual cards.

credit card question?

I have a credit card through chase, the chase freedom card, comerica visa card, i am looking for another one to build my credit up, i applied for an american express card and they denied me, i was wondering if that one is harder to get? if i have those other two, what credit card do u think i can get, what one is easiest to get? im not interested in the prepaid credit cards.

American Express is more difficult to get. That's because it's credit and payment system is structured differently than the average card.

It doesn't matter exactly what sort of major card you get if you are simply building credit. Just make sure that you don't acquire too many cards too fast. About one inquiry (regardless of whether or not they accept your application) every three months. PAY THE ENTIRE BALANCE EVERY MONTH. Please don't listen to the above person who said to carry a balance. Rotate which card you use every month if you have to. Creditors and lenders are looking for a sure thing. Most only want to give you credit if it looks like you don't need it.

After you have a couple or three major cards under your belt, get a card from a department store that you enjoy shopping at. That will help you as well. Again, pay the entire balance when the bill comes in.

Loans are tricky. The loan itself will lower your credit score because credit card companies look at loans as a higher priority than other bills. BUT a small loan that you can pay off quickly will boost your credit in the end because carrying the loan and the cards and making all of your payments on time and in full will show that you are a dependable fellow who manages money wisely.

Building credit takes time. That's the most important thing to remember. Also, if doesn't hurt your score when you check your own credit. Get a membership with one of the three major bureaus so that you have regular access to your report and monitoring. That way you can stay on top of your credit and what's going into your report. I talk to people every day who are living a credit nightmare because they were not vigilant about making sure that only the correct information was going into their credit report. Fraud, ID theft, and simple typographical errors can make all your hard work for nothing.

bad credit. want to earn credit with current credit card?

i have bad credit. i finally got a credit card and can start earning my credit. i've been told two seperate stories regarding paying for my credit cards payments to earn those credits.

i was told the 1. if i make monthly payments and not pay my balance (although i have to pay to stupid finance charges), that's a way to earn credit. so i was told to do that for 6 months to a year and my credit will improve

the second one i was told was that i HAVE to pay my cc bills in full EVERY month in order to get better credit ratings. and also to avoid finance charges.

so which one is correct??

1. make monthly payments, have a balance, and pay finance charges?

or

2. pay my cc bills in full every month and not get charged on interests

You should make regular purchases, that is one you will normally pay cash for, on your credit card. Then at the end of the month pay it in full and on-time to avoid the interest charges.

What happens is that the credit card company will report your high balance for the month. So if you charge $100 they will report your balance of $100. If you pay it off and then charge $75 the next month, your balance is reported as $75. There is no way creditors will know if you made a payment of $25, or paid the 100$ balance and charged another $75.

One important factor is your utilization. So for the best help you should not be using more than 30% of your limit at any one time. That is if you have a credit limit of $1000 you don't want to use more than $300 in any one month.

How low will the dollar sink till Americans realise they are getting poor?

Americans can't seem to understand that they are surviving on credit as in America is like a poor man with a credit card. At least Americans can call on looking at central America as a comparison to boost the moral. Just don't look at Europe and Asia because that's where the US money went. And no problem as Americans also have their lying government to give them reasons a weak dollar is good.

SCREW YOU!!!

GO AMERICA!!!!!

AMERICA IS NUMBER 1!!!!

How and why is my credit card affected when I open and close a credit card?

I see a great deal at a store to open up a credit card and get a prize or a rebate. If I want the big discount I open the credit card and then get the discount but I don't want or need the credit card at all.

Is it better to close down this new card or keep it open with a zero balance? How does opening and closing account affect my credit score?

Your credit score is based on history. If you open an account, your score will temporarily go down. It will eventually recover from that.

Closing an account is a slightly different matter. Depending on how much total credit you have (add up the limits on all of your accounts), closing an account can cause your score to go down if it significantly reduces your total credit. From that standpoint, leaving the card active with a zero balance would help your score.

However having an account open can create another avenue for potential fraud. I, personally, close accounts I don't use for that reason. Many card companies will also close an account automatically after a period of inactivity; 3 years is common.

There are a lot of things that can make your score vary a few points. Honestly, don't worry about your score that much. Use credit responsibly, NEVER be late on a payment and pay it off every month. Your score will take care of itself.

Questions about Credit Cards?

My Fiance and I are thinking about getting a credit card to furnish our new apartment. I don’t really know much about credit cards to begin with so I know this is a stupid idea anyway, so don’t try to trash this please, I was just hoping to find out which cards are better, ie discovery, and just the basics i need to know, like interest, APR, and all that oh so wonderful stuff.

Again, please don’t trash me, I do understand that credit cards can be bad, but I am very good with money and at least im educating myself first!!

Capital One and Discover both have plans where you don’t pay any interest for 6-months to a year these are good just be very sure to pay off the account in full before the grace period expires.

This way you get to furnish your apartment and establish your credit all at the same time.

Or like the first poster said there are furniture places all over that offer 12-months no interest again be very sure to pay it off in full before the grace period expires.

My Wife and I used 2 credit cards with 0% interest when we bought our new home 4.5 years ago and paid everything off in 12-months.

Can some one inform me of where I can get cheap viagra without using a credit card?

Wally World dude. But then you'd have to have a prescription. I gather you don't have one. The only other option is the Internet, or illegally off the street but then they are expensive, and probably fake anyway. Your screwed, or guess not if you need Viagra. lol. Just kidding. Been there done that. Viagra I mean. Why don't you want to use a credit card? Don't want it on your statement. Afraid of being traced? Or just don't have one. No prob. Use a debit card.

Can you not use a credit card after getting approved for it?

About a week ago I was approved for the Chase Freedom card, and now that I think about it, I dont think I need it anymore. Is it going to be bad for me if I just keep it and dont use it at all or should I just go ahead and cancel it?

Don’t cancel it. Keeping that credit line open helps your credit score when it comes to your credit to debt ratio.
The only thing about keeping it is, they might cancel it on you with out your knowing about it if you don’t use it.

why are credit ratings geared toward people?

who may payments on things every month and not towards people like me who would very much rather save up and buy something outright? like what im saying is why do people who f*ck up payments have a higher credit score than someone who saves up and buys everything outright?

i dont like the idea that something could happen and something is taken away from me because i missed a payment or something along those lines.

i have zero credit cards and refuse to get any.
who make payments*

Well, if you choose to never get a credit card or apply for any type of loan, that's a personal choice. But you cannot be angry that a credit score is geared towards those who have taken out a loan or a credit card. The majority of people DO pay their bills on time, or in a responsible manner. The reason someone who messes up has a higher credit score (albeit crappy and couldn't finance a toothbrush..LOL) is because they *exist* in the credit world. You, on the other hand are a nameless, faceless entity. You don't exist in the credit report or score world because of your refusal to get credit. You have no track record of how you pay bills as far as loans or installments etc.

I don't blame you for paying outright for things, but there will probably come a time in your life when you are going to be asking for a mortgage or some type of loan.