CREDIT CARD BAD BOYS
Do you have a Chase credit card in your wallet? You might, without even realizing it. Chase is one of the biggest names in the credit card industry and they literally offer a credit card for everyone. If you don’t have a Chase credit card in your wallet, you don’t know what you’re missing. Here are five of the most popular Chase credit cards out there.
1. The Amazon.com Card
Love it or hate it, you have to admit there are deals to be had on Amazon.com. I will freely admit I’m addicted to the site and I don’t mind saying that I want to be rewarded for the multiple purchases I make there each month (yes, each month). That’s why I personally carry this particular Chase credit card.
What does the Amazon.com card offer me? Three points for every dollar I spend at Amazon.com and then 1 point for every dollar spent elsewhere. Then I can turn those points into Amazon.com gift certificates and get some of my purchases for free.
2. Disney Rewards Visa
The Disney Rewards Visa is another popular Chase credit card and it’s one my mother-in-law carries regularly. She charges all of her purchases on it (paying them off in full every month of course) and then uses the rewards from the card to fund a portion of her Disney World vacations.
3. The BP Card
The BP Card is the perfect Chase credit card for anyone who’s serious about saving money on gas purchases. After all, gasoline has become a big budget killer. This particular Chase credit card will earn you rebates of 5 percent whenever you use the card at a BP. That’s a five percent gas rebate. That’s like taking your gas prices from $2.99 per gallon to $2.84 per gallon. Who can argue with that?
4. Student Credit Cards
If you attend a major university, chances are there’s a Chase credit card designed specifically for you. Names like Duke, Ball, California State, Harvard, NC State, University of Chicago and dozens more all have their own Chase credit card designed for students. It’s not only a great financial tool for newbie cardholders, but it’s a great way to show school spirit.
5. Charitable Organization Credit Cards
If you think the best rewards are to be had from giving to others, then a charitable Chase credit card may be for you. With every purchase you make on these cards, a percentage of the total is donated to the charity sponsored by the card. Organizations like the ASPCA, Best Friends Animal Sanctuary, The First Responders Foundation and the National WE CARE Foundation all have a Chase credit card behind them.
As you can see, there’s no lack of Chase credit cards available. No matter what your needs or preferences are, there’s a Chase credit card to suit your needs perfectly.
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Executives from the financial institutions who received funds from the $700 billion banking bailout faced their critics on the House Financial Services Committee on Wednesday February 11, 2009 in Washington. The chief executives at the hearing are: Kenneth D. Lewis of Bank of America, Robert P. Kelly of Bank of New York Mellon, Vikram Pandit of Citigroup, Lloyd C. Blankfein of Goldman Sachs, Jamie Dimon of JPMorgan Chase, John J. Mack of Morgan Stanley, Ronald E. Logue of State Street, and …
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jamie dimon,a thief and a fat sack of shit.
gordon a. smith, a con artist and a scumbag.
deb walden, a smug lousy bitch.
chase, a disgusting and an unethical financial institution.
i fired chase cancelled my card told bank of america to stick it and opend account at my local community bank i am sick amd tired of big banks changing the game plan just when they want it.. they are currently borrowing this money at o-1/4od a % from the feds and then jacking your rates cause they failed to be financially responsible so pass it on to the middle class just my two cents..
O so you work for the credit card companies, makes sense.
Your at home income will count, you just need to supply your income tax returns for the last 2 years for proof of income. Millions of people work at home, this is not a problem.
If he is the main bread winner they will include your income to qualify, but look at his credit. He will need to be over 630.
If you are talking about buying an apartment building you will need 25% of the costs in cash.
In many places yes. Here you wouldn't even have to have that good a job.
I work as a credit counselor..
They actually settled it all within a few weeks. They called the credit card companies and came up with a payment schedule themselves. They were able to keep both the rate and minimum by contacting their economic hardship department. So, it did all work out. However, I think that the information should be out there to see.
take away games, phone, hanging out with his friends, anything that he REALLY enjoys and stick with it..don't give in even if he begs. and set a time limit..tell him that you are going to take these things away from him for a month and don't let him have his way when he begs for them back. also, make him do chores around the house until you feel that he has worked off that 100$ and then some..taking out the garbage, vacuuming, dusting, doing dishes, and if he doesn't do what you asked, take something else away from him. or even better, have grandpa make a list of things he needs done as well and make sure your son does those tings for him as punishment.eventually he will get tired of fighting you and just behave..hopefully.
That said I agree with you. That is all basic money management. You go into debt for necessary items like cars, homes, and education, and that is exactly what we did. Unfortunately, we rent, so there is no equity in a house that we can use.
Whatever you do, do not make the same mistakes I have made. While I never ran late on my payments, I have, since I was 20, been just shuffeling debt around instead of just taking care of the issue. So then one day you wake up and you are 37 and suddenly realize what an idiot you have been… DO NOT under any circumstances get any other loan….Get a job and eliminate the debt….
For the most part Apple is very accommodating. I have had 2 iPods, and 4 Apple computers so far. Go into a store and speak to them (usually -at least with the computers- you will need an appointment to talk with someone, so go online and set one up), If it is under a year old the may be able to do something for you. Good luck.
I got the perfect plan for you. Read on…
When you don’t have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don’t have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?
Understand What Lenders Are Looking For
Since you are looking to establish credit for the first time, lenders can’t look to your FICO score to determine whether or not to lend you money. In these situations they have to examine other factors that can help them decide if you are a credit risk or not.
Bank accounts. You don’t need a credit score in order to open a checking account at your local branch.
Since it doesn’t require credit to open, it also doesn’t get reported to the credit bureaus to establish any credit. Even so, your account history can be a vital component when lenders consider giving you a credit card or loan for the first time.
Employment history. Another important factor lenders look at is your employment history. They want to see if you are able to hold a job or if there are periods of unemployment. Your ability to hold a steady job can improve the likelihood of getting approved.
Residence history. Lenders will also look to see how often you move and whether you rent or own. As with employment history, it pays to have a stable residence. Owning a home, even if just jointly with a spouse, carries some weight as well.
Utilities in your name. Even without a credit history, it is possible to sign up for many utilities in your own name. Having an electric or gas bill, telephone, cable, or water service in your name also helps. Just having your name on these accounts won’t establish a credit score, but it can be helpful for first-time borrowers.
Start With Your Bank
There are a few things you can do that can help in your quest for establishing credit. The first thing you should do is open and maintain a checking and possibly even a savings account at a local bank. This is helpful in two ways:
When you have active bank accounts in good standing, you are proving that you can manage money. While bank accounts aren’t typically a part of your credit score, lenders can use this information to determine whether or not you are a credit risk.
Establishing a relationship with a bank will improve your chances in obtaining a loan or credit card through them. If you already do business with a bank, they should be the first place to look. They know you and they value your business. This existing relationship should carry some weight when seeking credit.
Consider a Department Store Card
You’ve probably been shopping at the mall and been asked if you’d like to sign up for their store credit card to save 10% on your purchase, but politely declined. Generally, store cards are a bad idea because they lure you in with that up-front discount, and then the ongoing interest rate is very high.
Avoiding these cards is typically a good idea, but the ease in obtaining one may actually be a good thing if you’re having trouble establishing credit. If you have struck out at the local bank, you may want to consider checking with one of the local department stores and see what type of cards they offer. Whatever you do, make sure you find out whether or not they report to the credit bureaus. If they don’t, it will do you no good.
If you are approved for their card, you need to be disciplined and use it properly. Don’t treat this new purchasing tool as free money, but only as a means to establish good credit. The limit will probably be low anyway, but you should make an initial purchase with it and subsequently pay the balance off in full. Once the card is active, it should begin to be reported to the credit bureaus. It is now important to maintain a good payment history on this card so your credit history can build upon it.
When All Else Fails
If you’ve tried the bank, department store, or even credit card companies directly and failed, not all is lost. Secured credit is a last resort, but it is much easier to obtain than unsecured credit.
When a credit card or loan is secured, it means that there is an asset linked to the account that the lender can take if you fail to make payments. When you have a mortgage or auto loan, these are secured loans. If you fail to make payments, the lender will take your house or car in order to satisfy the debt.
You can establish the same thing at most banks with a secured credit card. You can pledge money you deposit in an account to secure the credit card. For example, you could obtain a secured credit card with a $500 limit if you put a $500 deposit in the bank that is linked to the card. If you fail to make your credit card payments, the bank takes your deposit.
Again, you want to check and be sure that this secured credit is reported to the credit bureaus, but if so, this can be a useful tool to establish that first piece of credit history. After you maintain that account in good standing for a while, you may be able to obtain a regular credit card or loan.
Establishing Credit is Only the First Step
Establishing a good credit history takes time. There are no shortcuts or tricks that can take you from no credit at all to a high score in a matter of months or even a few years. Your credit score is based on a number of factors such as payment history, length of time you’ve had credit, and much more. So, while it is important to initially establish credit, it is even more important to take the time to do the right things to maintain good credit.
taken from: http://financialplan.about.com/od/creditdebtmanagement/a/nocredit.htm
Also, since you have a cell phone and a cable bill, you can report those payements as "alternative credit" with a new credit bureau called PRBC.
Keep reading….
PRBC is America's Alternative Credit Bureau, providing a helpful service to the over 50 million people with limited or no credit history. If you pay your monthly bills on time, PRBC can help you build credit to qualify for a mortgage and better interest rates.
On-time payments for the following bills are not reported to the traditional credit bureaus:
Rent
Cable
Phone
Daycare
Insurance
Electric
Natural Gas
Cell Phone
The only time your payments for these bills are reported to the other credit bureaus is if they're missing or late.
With PRBC, your on-time payments count. You build credit for paying your bills on time, even if you have no credit history. PRBC offers two simple ways to start building credit today.
That’s good i guess. That was the alluring part of this credit card, it was essentially a loan, they guaranteed no rate increase. They stated the minimum payments. They never missed a payment, so what they are doing is pretty crazy.
1st you can call the bank and ask them if they can lower your interest rate to help you make the monthly payment,
note!! some banks will not do this .
2nd what you'll need to do is stop making payments on the credit card
this will get their attention and then they will work with you.
I have many client that have told me they have try to work with the bank , but told them to call back when they are 4-6 month behind
has far as your credit it will effect you harder, verses someone who already has different loans car, home, ect ect
is this your only acct or do you have other to kept current.
But it doesnt mean that your done for the rest of your life
No I own my own firm..I actualy help people with debt.. The people who work for the CC companys are not credit counselors.. they lookout for the companys bottom line. I tell people to get their money away from them and get a structured secure loan so they know how long it take to pay off and payments that do not change and with the secuity on the loan the APR does not get jacked when a payment is missed..
” we reserve the right to change this contact for any reason” that is the clause CC user to change rates and payments… I would suggest for your parents to try to move the debit or split their payments into weekly or bi weekly payments… it can lower the ammount of intrest when paying a loan and it helps credit scoreing. it they have a debit card with rewards that give cash back us thoes rewards to pay extra the other loan.. that can help.
It is almost always a true indicator BUT there could be a few slip by. Such as medical bills or deaths in the family–but also those people are not out shopping much. But basically, yes. Just my opinion.