Comments on: Online Application | Philadelphia Phillies® Extra Bases® Credit Card

By: Bryce

Bryce — Fri, 30 Oct 2009 15:38:18 +0000

Stop applying for the cards, you will only be denied. You will have to start building your credit rating with secured credit. Make sure the banks report to the credit bureaus, otherwise it does no good.

Go to the bank you do business with, ask them if they have a secured credit card, if they do open a new account with $300 – $500 tell them you want a secured credit card against that account. Use the card for small purchases like gas or food and pay the card off entirely each month on time.

Also you can take your savings account and save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months. Lenders like to see a mixture of credit, revolving, installments, personal loans.

After a few months you can try for an unsecured card again. Retail store cards and gas cards are normally easier to get.

It takes 24 months of consistent on time payments to build a good credit rating.

By: azkoolchik

azkoolchik — Fri, 30 Oct 2009 01:29:45 +0000

Definitely NOT Bank of America.

They recently upped peoples APR without any explanation or reason; it was all over the news. Try a company that's a little less shady. There are plenty of horror stories of what this company has done to their consumers.

By: Tay

Tay — Thu, 29 Oct 2009 22:17:37 +0000

there are a couple of ways you could start building credit, you could get a small personal loan which you might need a cosigner or the best way will be getting a credit cards, you could get a credit card and use it for your every day expenses but make sure you pay in full at the end of the month that way it will show pay in full everytime the credit card company reports to the credit beuros. At the begining you will only be approved for the lower end credit cards but once you build credit in about 6-9 months you should be able to apply for a better card with better benefits such as free miles or cash back. Check out http://www.fastcreditcardapprovals.com and go under bad or no credit section and you will find a few choices. But if you are a student apply of a student credit card these cards have no annual fees and low rates.

By: Tamborine

Tamborine — Thu, 29 Oct 2009 17:27:02 +0000

Congrats, on your cleaning up your debt and your credit score. What you want to do is compare credit cards and the good news is there are many internet sites that will allow you to.

Check http://www.creditland.com, http://www.bankrate.com, http://www.credit.com On these sites you can look and compare the credit cards that have no annual fee and a low APR. Also if you belong to a credit union, they have excellent rates. You may also consider doing a search for LOW credit card rates in search engines. USA Today does a comprehensive list every year.

I hope this helps you out.

Good Luck

By: alilley07

alilley07 — Thu, 29 Oct 2009 10:59:08 +0000

As long as you're responsible and pay off the purchases ASAP you won't have to worry about interest rates. I've had a card for 5 years and the only time I paid interest rates were my first few months before I realized you could pay off your balance more than once per month. Good luck!

By: Acrow

Acrow — Thu, 29 Oct 2009 08:42:50 +0000

Well, let me be the first to tell you that a credit card can be a "safety net" in the event that you're in a crunch in between paychecks, and especially renting cars. Granted, you can use your debit card, but you better have the money on it, becuase credit and debit cards work completely different in that respect. But even if you just make small payments that you pay off in full every month, it's another way to build credit, which you can't build alone just by paying off loans. Credit and the scoring system is designed to where you should show that you can handle different types of credit both installment(car,furniture,appliance,personal signature, and mortgages) and revolving (credit cards and line of credit). An example of a balanced mixture of credit is 3 credit cards (2 major and one department store card) and either one paid or currently paying installment account.

Now while it is a good thing to have a credit card in the event of emergencies that may come about that could potentially wipe out your checking account if you use that, it's important to know the true meaning of needs vs. wants. Credit cards are not bad, it's the judgement of some people that use them. They easily confuse the 2 and that's where the problems arise. As long as you keep your priorities straight, and use credit like it's supposed to be used, then you should be ok.

A credit card you should look for, ideally is one without an annual fee and a low or 0 introductory interest rate. But my advice is to keep the balance no more than 30% of your total available credit to minimize the interest anyway.

Chase, Bank of America, and Citi all offer fairly good cards

I hope this answer helps out,

Good luck!

By: Nimz

Nimz — Thu, 29 Oct 2009 03:05:07 +0000

7 to14 days it does depend on a number of things

By: TheSleprock

TheSleprock — Wed, 28 Oct 2009 11:20:36 +0000

like any GOOD car, you HAVE to keep the oil changed

By: peggy s

peggy s — Wed, 28 Oct 2009 04:40:10 +0000

The credit card company won't know you're planning to leave the country! Even if they did know, they can't stop you, unless they first sue you and get a court order saying you can't leave. But it is highly unlikely that any judge would grant such an order for a credit card debt.

Yes, they could sue you in court for the debt. They would have to serve you with the court papers before they could have a trial.

By: muchioooooooo

muchioooooooo — Wed, 28 Oct 2009 04:37:52 +0000

if you dont use it and there is no balance then you do not have to pay nothing unless the card has an annual fee.