I am a student with NO credit. What credit cards will accept me?

i have no credit and I want to build good credit. I am 18, full time job and full time student. I have been applying for student credit cards with discovery and mastercard but they are all denying me. HOW DO YOU GET A CREDIT CARD WITH NO CREDIT?

Hi Krista,

Have you tried a student credit card? I did a quick google search, and found findcollegecards that has a decent sized list of cards that you can apply for. Try Citi Bank, or a bank like that to see if you get approved.

How does Chase freedom card work?

I have a chase freedom credcredit card, and I noticed on the Chase Rewards website, that there is a Tab called "Earn Rewards Faster." basically if I use my credit card and make purchases from select merchants, like Nike, or Ralph Lauren, or Sunglass Hut, I can earn more points than the usual 1 point per dollar. My question is, do we HAVE to make purchases through Chases’s website, or do we automatically get the extra points if we buy stuff from the store directly, or the merchants website?

The "benefit" of the Chase Freedom card is you get a higher amount of points back for "everyday purchases" at gas stations, supermarkets, and drug stores. It used to be 3% (or 3 points) but this may have changed. It is usually never a "better deal" to buy things through the shopping network on the credit card’s website - unless it is something you were going to buy anyway, sometimes it may save you a little money through the rewards program. And yes, you have to go through the chase site to get those extra points.

Here is a good article about rewards programs in general, and things to consider when selecting and using them:

http://www.creditinfocenter.com/cards/credit-card-rewards-rebates.shtml

Good luck!

What is the best credit card to rebuild credit with a decent limit?

I’m trying to raise my credit score with a credit card ,but they are only giving $250 limit with
$95 available. Is this worth it? Can someone give me the name of the best credit card company
to go after with better limits.

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - buildcredit.ifastnet.com

Which Chase Card will earn more points?

Should I use Chase Leisures debit card or chase freedom credcredit card?

If you pay bills using your card, the Leisures one would be ideal since it will accumulate points automatically when bills are paid. It pays off in the long run

If you make many purchases, the Freedom one would get you more points, although i don’t know how long you can keep spending like that.

Thanks for reading!

How much will closing a credit card account affect my credit rating?

Despite a flawless payment history over the last 20 years, Citibank is raising my rate by 5%. I would easily give them the heave-ho, but I’ve heard that a long-standing credit card account has a positive effect on your credit rating. How big a hit would my credit rating take if I closed the Citibank account?

Your entire credit history with that card would be erased and this is not a good thing.

First, those 20 years should give you some power with Citibank. Call their customer service number on the back of the card and tell them that you feel the increase is unjust in light of the fact that you’ve been doing business with them for 20 years and your account is in good standing. Mention that you’ve always paid your bill on time if that’s the case and any other Citibank accounts you have, if you have any. Sometimes the credit division of banks doesn’t realize that you’re also a bank customer and that may carry some weight.

If you can’t get anywhere with the customer service rep, ask to speak to a manager.

If this still gets you no where, go to bankrate.com and see what other credit cards’ interest rates are to open an account and tell them such and such bank is offering this low rate to new customers, and it hardly seems fair that they’re raising the rate for their longstanding customers. (I’ll bet Citibank themselves are offering lower rates to their new customers, while they’re trying to squeeze their old customers for money).

If all else fails, pay the card off even if you have to transfer the balance to a lower interest card. Then, so they don’t close the account entirely as some banks are doing on inactive cards, use the card once or twice a month for smaller purchases or necessities like groceries and pay off that balance at the end of the month.

They’re less likely to shut down the account if you have some activity on it and they’ll probably drop the interest rate after a few months to get you to spend more on their card.

How long does it take a credit card company to process a credit card application?

I just submitted an application for a secured credit card about a week ago and the credit card company debited the $200 from my checking account that I would need for a security deposit and I still haven’t received my credit card yet. When do you expect that I should receive my credit card?

7 to14 days it does depend on a number of things