Comments on: Online Application | New York Mets(R) Extra Bases(R) Credit Card

By: tgent2k1

tgent2k1 — Sun, 01 Nov 2009 15:28:41 +0000

Keep it with a 0 balance. As long as it doesn't have an annual fee you aren't hurting yourself. Having more accounts (3-4 minimum, not more than 6-7 revolving accounts) helps you by giving a lender MORE evidence that you can manage your debts over a longer period of time. If a person has no late payments but only has one credit card with a 500 limit for the last 6 months – how do you know they are a good risk?

By: ersan b

ersan b — Sun, 01 Nov 2009 14:15:32 +0000

Actually most of the companies allow you to apply online instantly. But you have to find the right card that you can apply for. To do this, goto the following site and find the card you want in student section and apply online. This site only has cards that you can apply and get a decision instantly. Good luck!

By: Pepper

Pepper — Sun, 01 Nov 2009 08:36:23 +0000

It's not uncommon to have multiple bank accounts with different banks, from my past and current experience, I primarily do all my business with one bank if possible. I'm going to list the types of accounts that you should have in order to prepare yourself financially:

1. Checking account- This is the primary tool to not only monitor your finances, but to pay all your bills on time.

2. Savings account- This should be used as a primary reserve that should be used in the event of emergencies and as a backup reserve to your checking account.

3. Traditional/Roth IRA- This should be your primary retirement account. Anytime that you have a 401K,402g, or 403b plan, and plan to switch employers, this would be the account to move or "rollover" your retirement savings to.

Now as for credit cards, You should have 2 major credit cards and 1 department store card. Some people have more credit cards, but actually fewer cards established for a longer time, should be all that's necessary. The longer you establish credit by making payments on time and managing your available credit responsibly, the credit limit can and usually is increased to where that will be all you need. Some people have multiple credit cards for whatever reason, but the 2 most important things to remember when using them is to pay on time and manage your available credit.

By: nacao

nacao — Sun, 01 Nov 2009 00:25:37 +0000

How about payin cash….and when you’re not in debt….and you got cash….that will be your downpmt on your first house.

That’s before the $ collapses.

By: Nikita

Nikita — Sat, 31 Oct 2009 11:15:26 +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: guzen

guzen — Sat, 31 Oct 2009 08:55:23 +0000

i just applied for a BOA student credit card….we’ll see how that goes-)

By: WPBlog Shop

WPBlog Shop — Sat, 31 Oct 2009 02:28:02 +0000

0:20 – shes fit 8=====D

By: eyaljosch

eyaljosch — Fri, 30 Oct 2009 22:51:34 +0000

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

By: Erick R

Erick R — Fri, 30 Oct 2009 21:25:31 +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: Blogger

Blogger — Fri, 30 Oct 2009 20:50:01 +0000

u will def get it