Credit

BankAmericard and its foreign licenses such as Barclaycard and Chargex, were what we now know as Visa cards.

Yes, 817 is a very good score, it puts you in the top 5% of all borrowers. The key to such a good score is to pay your bills on time and maintain low levels of installment/revolving debt. As I understand it, you should keep your revolving debt under 10% of your credit limit, have no more than 3 cards/ lines of credit, and have a mortgage. Pay your bills on time over the years and your score goes up. Hope this was helpful.

I would expect you would have to sign an agreement to be held responsible for all purchases made on the card.

Usually it means that you have a credit balance and the credit card company owes you money. This occurs when you pay more than you owe or you receive a refund from a previous purchase.

Because they want to know what your disposable income is after you've paid things like mortgage (or rent), power, water etc.

Credit Card companies are not very predictable. If you go after them to get an application (say, walk into a bank and ask), it seems the standards are higher. If they come after you (ie. you are approached in a store) the standards are lower.

When I was a student making $10,000 per summer they rejected my application, but gave a card to my future wife when she made $2,000 per summer.

More important than your annual income, however, is what is called your "credit score." There are records kept about you regarding credit. If you have ever been late on a bill payment for anything (pretty much), it will bring down your credit score. If you have always paid on time, that causes your credit score to go up (even if you just made the minimum payments). How many other credit cards you have, or if you have another type of loan, will also affect it. (Generally, they don't want to see your total indebtedness including the full credit limit of any cards you have going over 40% of income).

If the debt was discharged in the BK the entry for the creditor should read as such. The entry itself will not be expunged until the required 7 years has expired.

My best guess is no. There is so much fraud going on that such things are unlikely to happen after you turn off that card. In fact, I think they are designed with that feature in mind. What may make a difference is if it is a personal or business card, though I'm not sure. The other concern is if it is a debit card

One thing you can do it contact the credit reporting agency that is showing it andtell them you want to dispute it. They have a number of days, 90I think, to send you a form and follow up.

You are legally entitled to three credit report per year from each credit bureau.

1. Get a free card

Never pay for a card, there should be many free ones on offer. If there aren't any, the card is not worth it. Remember to call to cancel your card when the free period is over. If you've used your card responsibly enough, the company is likely to waive your card fee again to retain you as a customer.

2. Set a low credit limit

It should be below your monthly budget, because you can't pay for everything in cash.

3. Set aside cash for that credit limit

You could have a separate account just to pay for the card bills, but make sure that account has sufficient funds even after paying to avoid account charges.

4. Use the card where you can get discounts

But don't spend more just because there's a discount. The whole point of cards is to earn interest by keeping money in your bank longer, and to take advantage of its discounts and privileges, not to get taken advantage of.

5. Pay your card bill on time

Late charges are crazily expensive. Never do it, it also obliterates your chances of getting a subsequent free card. Every card company loves someone with a good credit record, and this is the key to building one.

6. Ditch the card

If you can't achieve the above, or the company won't grant you further card waivers, ditch it. It's never worth getting into credit card debt, unless you don't want your life (in which case you could also do without a card).

A Chapter 7 bankruptcy stays on your credit report for 10 years. Generally a Chapter 13 bankruptcy will be removed after 7 years, but can remain up to 10 years.

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Bank of Montreal MasterCard starts with 5191......

no

A credit card is a small piece of plastic with a lot of purchasing power. Banks and major retail chains issue credit cards to individuals.

Credit cards are a way to pay for goods and services and can be a convenient way of borrowing money

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Well, since you use the word steal, obviously you know it is wrong, not just morally but legally wrong. You could be charged, tried, and made to pay back the money PLUS court costs PLUS fines. Seems a no-brainer to me that saving your own money to buy the items you want will be LESS expensive than stealing.

what happens if i voluntarily return my car to the bank due to job loss

The selection of cards you may qualify for with that score may depend on your locality, but typically secured credit cards are the most likely cards you can get. There are several unsecured cards you may qualify for with subprime terms, yet these cards might have unfavorable terms.

Rushcards are pre-paid cards, only the money that is loaded onto it, can be spent. You can't borrow money using it.

Credit Card Interest is basically the way credit card companies make money. They charge you interest for borrowing their money. But usually if you pay your bills on time and don't have any fees, they won't charge you any interest.

You may notice that card from a certain institution all have the same first four number. how many different credit card numbers can this institution create.

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Credit cards do not have routing numbers. Only checking and savings bank accounts have routing or transit numbers assigned to them.