What after rejecting credit card amendment?

September 1st, 2010

Tell me why? asked:

Month before the end of 0% APR on my credit card I received a notice of “Important Amendment on Credit Card Agreement”. After doing some research I still not sure should I select the option of rejecting this amandment or not. I know that if I will chose the rejection, my credit crad account will be closed. Doing so, how much it can affect to my credit record? Does this makes any difference to my credit score? I read somewhere “the longer you’ve had this credit card the more it will hurt your credit to cancel it…” how much truth in this?
Thanks in advance.

How to successfully use a secured credit card?

September 1st, 2010

Nick Vanderklerk asked:

I’m a college student and I recently purchased a secured credit card. For the past 5 months of having this card, I’ve paid off the balance almost immediately after it showed up on my credit statement (I use online banking). But I want to know if this is the most effective way to build credit, or should i leave a balance and just pay my minimum? Which is more effective at building a higher credit score. Please help, any input is welcome, positive or negative.

What ways can you pay your credit card bill without being charged for anything?

August 27th, 2010

u.killa asked:

I do not know much or anything about bank transfers. I am with Bank of America, I don’t know if they charge for bank transfers, but many credit cards do.

I want to know what methods are the cheapest to pay your credit card bills and other tips that I should know about having a credit card.

Do you have to use a credit card to start a World of Warcraft Account?

August 27th, 2010

thebeaver93 asked:

I am thinking about getting World of Warcraft but I’ve heard that you have to use a credit card to start an account is this true? I was planning on buying prepaid game cards as I don’t have a credit card.
Can you just use a prepaid card when you first create a account?

What is the best credit card for student looking to get airline miles?

August 26th, 2010

Alexandra asked:

I am a college student with decent credit ( but my Dad will help and cosign)
I want the best credit card for students that I can use to get airline/ frequent flier miles. What is a good card that is easy to use, easy to redeem and gets you a lot of miles?

How does transferring balances on my credit card affect my credit score?

August 25th, 2010

Renae L asked:

I consolidated two credit cards onto one new credit card that offered 6 months 0% APR and then a lower APR after those months were up than what the charges were on before. I have been making monthly payments and have made good dent in the debt, but now are receiving better balance transfer offers. Should I transfer the balance again, even though it has been just over the 6 months? Will is hurt my credit, which is pretty good right now?

How does getting a secure credit card hurts your credit?

August 25th, 2010

Red Velvet Cake asked:

I have great credit 755 and want to get a secure credit card, would it hurt my credit?

How can contact with credit card Company about my credit card applications?

August 24th, 2010

lissa maddox asked:

If at any point I have questions about an application that has already been submitted and want to know about any reward programs provide by company. Then how can contact with credit card Company?

How do you use a credit card to increase credit properly?

August 23rd, 2010

Branden F asked:

I am 20 years old, live with my parents right now and go to college. I only have my cell phone to pay right now and take the city bus to school. Im not sure what my credit is but i know i was approved from my cell phone company and I get capital one platinum credit card applications in the mail.

- My question is how can I use a credit card right now to build credit? – Do you have any advice about credit card?