A friend is worried 'cos he could get a card from a shop, and he was told that he doesn't have a favourable credit rating. But he just has a Visa Electron card and a cash card.
126953
Your credit can be affected by just about anything, from Utility bills, cell bills.....all kinds of things.  Anytime you have something you pay on, monthly, bi-monthly, if it's paid late that company can report it to the credit agencies.  Also no credit can sometimes be just as bad as bad credit.  So have him do some research.  Did he pay his water, gas or electric bill late, order anything from a catalog and pay late or not at all......has he paid his cell bill late, get any speeding and/or parking tickets that weren't paid on time?  Even over drawing a checking or savings account can show up.
407746
It depends, is it one of those bad crdit credit cards? I've got a Rewards 660 they required copy of utitlity bill (proof or residence) drivers license (proof of identity) and since I provided them with my home and cell # I had to send part of my cell bill.  Also before they sent my card they called my home and cell #.  Once I got my card I had to call from my home or my cell to activate.  They can ask for what ever they want, it's up to you whether you give it to them or not.  If it's a more reputable company they don't ask for these things.  If you've got bad credit, they put you throught the ringer, although I have other cards for bad credit and they didn't ask for all of that.  Google the company and see if there are any complaints from other card holders about them.
186159
credit card companies do not just send out cards, regardless if you are a club member or not.  They will send out an pre=approved application, which you have to sign and fill in then send back to them.\n\nThis sounds like a scam to me.  Investigate the bank that issued the card and if it is bogus, report this to your state attorney general's office.
18174
Without a credit history, getting a credit card is not easy. Keep trying at the bank you do business with. They may start you off with a credit card with a $500- $1000 credit limit to see how you pay your credit card bills, then increase your credit limit as time goes by. If all else fails, there is such a thing as a SECURED CREDIT CARD. This card is backed up by a specific amount you put up to ensure  payment of your charges. This is also your credit limit. One you establish yourself as credit worthy, you get whatever credit deposit you put down,and a regular credit card is issued to you. For secured credit cards, again see,  your local banker first.
541490
Its classed has a criminal offence.Have you tried to get the council to take so much a week.By law if you offer what you can afford they have to accept it.If they will not accept a payment, go to your local press trust me they will help & it will not be put in the newspaper,If you do not want to go to the paper go to citizens advice they will get in touch with the council for you.Good Luck
37333
The ones that stores offer are relatively easy to get and you can use them to build your credit so you can get a major card later.  However, don't let the balance get out of hand, those cards from stores have stricter penalties and higher fees.
211350
If the card is in your name with your social security\nnumber, yes it could hurt your credit rating.  Check with\nyour employer, or call the credit card company and find \nout.
365311
are you in England?\n\nIf so, they usually use a tracing agent and he will most certainly be caught if he tries to apply for further credit.\n\nYou need to contact the people he owes money to though, otherwise it can reflect badly on your own credit rating. If you explain the situation, they are really understanding. My family went through the same with my brother. They will find him eventually though, they usually persuade them to make an agreement to start paying it off month by month
191112
My ex, who claimed bankrupcy 3 years ago, is now carting aroud his new visa! He had maxed out 6 cards at that point and was in debt about 30K. Tell me how he got another card??? Funny thing is that when I applied to get a card, I was declined even though I made more than him. I'm quite certain if I was a man earning the same salary, I'd have several cards by now.
553452
Sounds like a prepaid credit card may be the way for you to go... \n\nHere is a link to one that says "No credit or bad credit OK, NO credit check required, No employment required"\n\nhttp://www.fastcreditcardoffer.com/credit-card-search/credit-rating/bad-credit-no-credit/default.aspx\n\nGood luck.\n\n.
644206
Call them up and explain what happened.  It sounds crazy, but credit card reps are trained to work with people on situations like this.\n\nTips for calling:\n\n1)  call during regular business hours - if you call at an off-hour, you may get a call center in India, which will make things much tougher\n\n2)  If things don't seem to be going well, gently ask to talk to the supervisor.  Supervirors exist only to write reviews of their staff, and to solve customer problems.\n\n3)  They might try to give you some run-around, but don't let them.  Be honest, be respectful, and you'll probably get what you want.
339756
You can get a visa card.
440371
Hmmm interesting, well i dont know much about credit cards. I know that this has done me and my friend good in the past in bad times. Give this a look, tell us what you think.\nhttp://shurl.org/AWxZX
671343
well if he requires a large minimum and you do not then you might be okay. i would act fast though and start calling your customers now and asking how they like your service and if you can do anything to improve it and if they are good customers do you offer credit maybe a 10n30 would be good enough to get them to buy from you
409191
Visa and MasterCard's number one goal is to protect the customer.  The bank will contact the merchant and request information about the transaction.  They will look at how the transaction was processed.  Was it swiped?  Hand keyed in?  Those are the factors they want to know.  They want to merchant to prove the legitimacy of the transaction.  To the merchant it will be seen as a chargeback , and merchants will do their best to fight that chargeback.  Too many of those and they can get their merchant account revoked.  In your case, you will most likely win the dispute.  You will keep your money.  Visa will eat the loss (not really, losses are built into the APR).  The merchant will get a chargeback on their account, and lose the merchandise that was bought.  It will be up to the merchant to report the criminal to the police.  Visa will not hunt them down, only provide evidence.
546133
Try a local credit union or bank.  Open an account with them and stay in good standing for a time.  Then get a credit card with them.  The interest rate will be much lower and there are usually no application fees, etc. that other companies try to rip you off with.\n\nI gave this advice to my daughter who had no credit rating yet.  She has a card from her own credit union now and is not being ripped off. \n\nBest Wishes,\nSue
466561
Citizens' Advice Bureau give exactly that - 'advice'; it's free and an excellent, up to date, accurate advice service.  On top of that they actually write the necessary letters and deal with creditors.\n\nTell your friend to get an appointment.