Trends

How Do You Lower Your Credit Limit Without Lowering Your Overall Credit Score?

I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don’t ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score?

What Credit Card Should I Go For Citi Bank Or Bank Of America?

I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone has either one of these cards, if so, what one did you like and why?

How Many Credit Cards Should You Have To Rebuild Credit?

I am trying to rebuild my credit after ID theft, a couple of problems that were mine and years of basically not having any credit reported. (I primarily use my debit card and pay cash for everything). I make good money now and am trying to rebuild in order to purchase a condo in the next couple of years. My good accounts (rental, club, cable, cell, etc.) have not reported my good credit. So how many cards should I take out that will help boost my credit score but not hinder my credit. Thank you!

What Happens To Credit Score If You Close A Store Credit Card?

I have a few store credit cards (Macy’s, Banana Republic, etc) in addition to a major credit card. I want to cancel some of the store credit card, but I don’t know how that effects my credit rating. I think closing credit cards in general lowers credit scores, but what about those store cards?

Student Credit Cards | Compare and Apply Online

Students can compare and apply for credit cards online at www.goodstudentcreditcard.com.  Diligent credit card usage can result in a lifetime of low-interest rate loan opportunities.  Despite their minimal income and limited credit history, good students enrolled in colleges and universities throughout the country are regularly given the valuable opportunity to receive a credit card to start building a credit history.  This is an opportunity that should be taken seriously, particularly in light of the continuing credit crisis which has made it difficult for many working people with strong credit records to receive new credit cards, auto loans and mortgages.  

Student credit cards issued by Discover, Chase and Capital One are tailored for student applicants.  Some of the features offered by these credit card issuers include:

•           No Annual Fee

•           0% Interest for a fixed period of time

•           Cashback Bonuses

•           $0 Fraud Liability Guarantee

During this period of economic recession, nervousness in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – students should be given an opportunity to build a credit history.  Responsibility is imperative.  If you do not have enough saved to pay cash for something you want to buy , you should consider saving until you do.  Credit cards are most beneficial when you can afford to pay your balance in full every month.  In these uncertain economic times, where credit is getting more difficult to come by, it is important to create a strong credit profile by establishing credit early and maintaining a consistent payment history.  Student credit cards issued by Discover and Capital One are tailored for student applicants. 

Visit www.goodstudentcreditcard.com to apply online in a few short minutes.

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