Comments on: Online Application | Minnesota Twins(R) Extra Bases(R) Credit Card

By: Erick R

Erick R — Sat, 31 Oct 2009 15:57:33 +0000

People think once they screw up their own personal credit the next thing they can do is have a business and get credit that way but it doesn't work like that. Your personal social security number and credit rating are going to be used to extablish credit when you start out and even well beyond.

Added
Reality is as a beginning business you are NOT going to go out and secure credit using an unknown/ unestablished business name or identifying number!

By: WPBlog Shop

WPBlog Shop — Sat, 31 Oct 2009 07:21:35 +0000

i must say there should be a play for this like they to diffrent town having a CCF this. i know i would show up who wouldnt!

By: psychic

psychic — Sat, 31 Oct 2009 04:12:01 +0000

Judge Cilley, although speaking “ad lib”, was closer to speaking the real truth about the devil’s work than the filmed participants (and you readers) are inclined to believe, or acknowledge. Think about it. Brilliantly done and scarily thought-provoking….to those who have ears to hear.

By: Blogger

Blogger — Fri, 30 Oct 2009 20:11:44 +0000

Brilliant! And so true…my hubby and I vowed well before our wedding 2 years ago that we’d live without credit cards.

By: nacao

nacao — Fri, 30 Oct 2009 18:33:04 +0000

Nice vid. Thanks for sharing.

By: rails

rails — Fri, 30 Oct 2009 16:05:21 +0000

yo homes check out ma vids fo a laugh

By: Free Blog

Free Blog — Fri, 30 Oct 2009 15:24:14 +0000

i need a credit dard to become mem on runescape

By: eyaljosch

eyaljosch — Fri, 30 Oct 2009 10:36:02 +0000

Wow…thats a loaded question….ask the "answer man" on yahoo!

By: Nikita

Nikita — Fri, 30 Oct 2009 09:16:29 +0000

I would take out no more than 2. I would start out with a secured card. Granted you would have to put a deposit upfront to secure a line of credit, but the deposit would also garner interest while you're proving your creditworthiness. You could start out small, like $200-300 or larger like $1000-2000. Either way, I strongly suggest you to continue to use your debit card and pay cash like you've been doing, and make small purchases that you can pay off in full every month (around $20-50). I would only use the credit card in dire emergencies. After the secured card becomes unsecured, then you could receive offers for other cards, but chances are just the one card could work just as well. Be sure to dispute anything that was involved in the identity theft and make sure that you have a POLICE REPORT. Your "good accounts" (rental, club, cable, cell, etc.) CAN be reported through this reporting agency called PRBC. (http://prbc.com/default.php?) This is for REAL. You can have your good credit reported and complied in a scored report that can be considered with your traditional credit reports. It's become increasingly popular and I'm certain that it will help you out immensely.

By: ronnin72

ronnin72 — Fri, 30 Oct 2009 04:23:35 +0000

You could have 50 cards and as long as you kept them in good standing, low utilization, no lates, etc. they won't hurt your scores – you would take small dings for inquiries though.

If you are adding 3-4 cards, and you already have a good card portfolio that has fairly good history, the inquiry dings should be small. After 6 months the inq's will be less of a significance on your scores and at one year they will have no impact at all.

Available credit is not debt.

I can see only one card that you currently have that is probably keeping your scores from actually being higher than they are now. That would be the Cap One card.
Cap One is notorious for not reporting credit limits, they only report high balance – that makes it look like you are over utilizing the account.