Debt Consolidation

How many of you give in to the credit card offers?

I already have 4 credit cards which is probably too many already. The set up fees just to get a credit card are so much no wonder why I get so many offers!

The lowest minimum credit limit is a TOTAL card that only has a limit of 0. I’ve read it doesn’t change.

The highest limit of my credit cards is 916 dollars and it keeps going up. They are trying to entice me.

I’d like a larger credit limit, but some of these aren’t worthwhile.

Tags: credit card, credit cards, credit limit

What happens if your credit score gets lowered due to late auto payments, but then you pay off the auto loan?

In repairing a credit report score, an auto loan that had two late payments is then paid off in full, what happens to that part of the credit report? How long would it take to increase the credit score?

Tags: auto loan, credit report score, credit score, late payments

How to get a credit card with no credit and no checking account?

I’m young with no credit and no checking account. I’ve been looking online and have only come across debit cards or credit cards that require a checking account. Where and how can I get a CREDIT CARD w/ no credit and no checking account?

Tags: checking account, credit card, credit cards, debit cards

What is a good credit card for someone with excellent credit?

I have excellent credit, and I’m looking for a good credit card that offers rewards/cash back bonus and paying online. I’ve heard there are some good credit cards out there, any suggestions?

Tags: cash back bonus, credit card, credit cards, rewards

What credit card would you recommend for someone trying to re-establish good credit history?

I have decent credit but I had cancelled all my cards when trying to get out of debt. I am now free of all unsecured debt but I need to have a card so in the future I won’t be hurt by having no credit.

I’m thinking I want a card with no annual fee and a low APR. The card would only be used very occassionally and paid off immediately. I have no desire to repeat previous mistakes.

Does anyone have any recommendations for a good card for this purpose?
Okay, as I said, but everyone is skipping, is that I have decent credit. My credit score is 700.

When I got into trouble I went into debt consolidation right away BEFORE my credit got screwed up.

But I do appreciate those of you who are taking the time to answer.

Tags: cards, credit score, debt consolidation, desire, taking the time, unsecured debt