Apply For Credit Knowledge Base
Can I apply for credit after buying a home? I recently closed on my house, and was thinking about applying for store credit (e.g. Home Depot, etc)? Is it "safe" to apply now that I have closed on my house and have the keys?
Does the following apply for credit card applications also? I read following somewhere ... "hard inquiries (the ones that show up when you actually apply for credit) only affect your score after 2 weeks. The formula for your credit score excludes the number of inquiries that you have had over the past two weeks. The credit bureau got wise to the fact that people apply for credit at a lot of places at once and that their score shouldn't suffer because of it." Does this apply towards our credit card applications also ..I thought it only applies when we compare rate with various auto or mortgage companies..does this apply for credit card companies as well?
How long after filing a personal (chapter 7) bankruptcy do I have to wait to apply for credit? I filed in March 2007 and expect my actual discharge letter in the mail any day now-wait, is that the mailman? My bankruptcy already shows up on my credit report and my credit score isn't so terrible! Specifically, I want to know if its o.k. to start applying for ONE SINGLE credit card and a car loan. That's it. I'm rebuilding my credit on those two things. Period. Thanks.
How to apply for a credit card in US and what I should notice? I am going to apply for a credit card. But I am much clear about which type of card I should choose and what the procedures of it. Any good suggestions and tips? Thank you! I am not a US citizen. I am a foreign student studying here. I don't have any credit.
How long is the wait to apply for a new credit card after Personal Bancruptcy? I filed for chapter 13 Personal Bancruptcy 7 years ago. I was just wondering: How long can someone wait to aquire a new line of credit; Is it 7 or 10 years now? I'm asking Because recently my Personal Bank sent me a Pre-Approved Unsecured Credit Card Application via the net. I filled it up w/ my Personal Info. Thinking it was just a fluke then after about a week,Lo and behold ,a Brand Spanking New Unsecured Credit Card w/ my name on it! Right After that, i applied with another Credit card company via the net, but it said that it can't process my application at this time. Iv'e been out of the hole for 7 years now so do you think is it ok to apply for more New lines of credit?...any info or suggestions is highly appreciated ,God Bless & Thanks a million in advance!
How do I apply for a credit card? I have a checking account with bank of america. I'm a college student. So should i apply for a student credit card since I don't have a credit history? Is there a maximum amount on the card? Someone told me that a credit card from Bank of America has a maximum amount of $500. Please do give me the best suggestions. Thanks.
What does it mean when you apply for a credit card online instant approval, and it says....? I applied for a First Premiere credit card for people trying to rebuild there credit. But it said that they are not able to process my application under the terms of this credit card, however, they are going to offer me another line of credit. The original terms for this credit card is for $250.00, but when I put in my employment info, and how much I make a year, and since the last time I applied, my credit score has went up. I don't know if that had anything to do with it or not. Could I be over qualified for the card, and they are going to offer me a higher credit limit?
Who/what agency confirms your address when you apply for a credit card? I applied for a credit card and was denied because they could not confirm my address. I'm not a fraud and was telling the truth. I think it was because I had recently moved. Is there a way I can contact this company/agency to confirm they have my correct address? I want to apply for another credit card but I don't want worth risking getting denied again if my information is wrong.
How do I apply for a credit card if I have only been living in the UK for 1 year? I moved to the UK last year from Canada and I have my citizenship for both UK and Canada due to my father being a british citizen. I've been trying to apply for a credit card so I can establish a credit rating but all credit card application forms ask for a previous address if you have not been living at your current address for two years and they don't accept international addresses. I'm 19 years old and I have a full time well paying job.
Wat is the procredure to apply a new credit card? I want to apply for a australian credit card? Please help me in understanding the procedure. for ex- how do they marketing?, where i hv to go and apply? who'll process my application?, and last how will i get my card in my hand?
What do I need to apply for a visa credit card? I'm currently employed. I only have a savings account, but I don't have a checking account yet. I want to apply for a credit card at my local bank, but i don't know what I'm going to have to know and need first. I want to be prepared. Thanks for the answers.
Can you apply for the same credit card twice in a fairly short time period? I recently applied for a credit card and was not approved mostly because I said I was employed instead of a student, but since I work part time and go to school I didn't think it would really matter and of course it wouldn't give me an option to put in both. My question is, can I now re-apply for the same card and say I'm a student or will that affect me or my credit negatively?
Do I have enough credit to apply for a student loan without a cosigner? I'm almost 20, and have six credit cards in my name (none with more than 35% the limit on them), which I pay on time each month. I am employed, but I haven't consistently been employed. My credit score is very good. Could I apply for a continuing education student loan without a cosigner?
Where should I apply for my first credit card? I am 20 years old, moved to the US 4 years ago, and just recently received my social security number. I have a savings account at Chase, and a debit card that I hardly ever use. I want to apply for a credit card to start building my credit history. Where should I apply? I heard that if one is denied many times, it harms one's credit history. Should I apply at a store like Macy's or Shoprite or something?
Will applying for and receiving a credit card a week before wanting to declare bankruptcy ruin my chances? Due to our financial difficulties, we fell extremely short this pay period. We needed money to buy groceries and gas, and my husband took it upon himself to apply for a credit card at his work (he is guaranteed a $500 card just because he works there) in order for us to be able to buy groceries. While I appreciate his zeal for problem solving, is this going to cause us trouble when we go to declare bankruptcy next week? We were hoping to qualify for Chapter 7.
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