what credit card or bank do i talk to?\n\ni have no credit history
212812
A person's credit rating is built upon historical demonstration of good financial habits and responsibility.  The simplest things to do to build your credit are:\n\n1. Open a savings account and make regular deposits to it, no matter how small.  You demonstrate a savings habit and built a cash asset.  The financial principle is called 'Pay Yourself First'.  You worked for that money, you should take the first cut.  Save at least 10% of what you make and don't touch it; always use that ever-growing-wad to make yourself more money.  3 to 6 months of your current income in savings should be your first goal; just in case something unfortunate happens at work. Once you hit that, start looking into good mutual funds; another cash asset that will add to your net worth and your credit score.  Don't forget, that 'wad' is always earning you interest and getting bigger.\n\n2. Make payments to your creditors ON TIME.  A number of late payments, or worse, defaults on loans, can really screw things up on your credit report and you'll appear to be 'a bad risk'; no matter how nice a person you are.\n\n3. Open and manage a rotating credit account so you can demonstrate that you can manage credit properly.  This will help raise your credit rating.  If you don't have a credit card yet, apply at a gas station for a card; ensuring there is no annual fee.  If you're employed, it's very easy to get one of these, the credit limit is usually only a few hundred dollars, and you can easily use it for something that you're likely paying for each month anyway.  Yes, you could get one from a department store, but its more likely you'll have a 'new shoes' emergency or the like.  Stick with the gasoline necessity until you are comfortable handling credit properly.  To budget your expense, keep the receipts for your gasoline for a month or two and average how much you spend on gasoline in a given month.  Set the money aside in an envelope when you get paid, and at the end of the month when your gasoline bill comes, deposit the money and pay off the balance.  Paying off the balance each month avoids any finance charges and ensures that having the card (and building your credit score) won't cost you a thing.\n\n4. Pay down your outstanding debts.  Once you are carrying enough debt to impact 50% of your cash flow each month, creditors start getting itchy about your ability to repay any additional amounts.  If you have several cards and are carrying balances on them, target the highest interest rate card first and pay it down to $0.  Take them in order until you're out of debt.  Then use the lowest rate card and carry a small balance.  I use one card for gasoline and monthly services then pay off the balance each month.\n\nPeople with good credit ratings get lower interest loans because they've proven themselves a good credit risk.  You'll appreciate that when you apply for your next car loan or your next mortgage.  One or two percent over a 30-year mortgage can save you thousands.
416551
you have been gone for so long, the credit agency has probably deleted your credit history and you will be starting over from scratch, but get a copy of your credit history to find out
664447
You should let your bank know immediately. They can tell you if it's your debit card or check or ATM. Whatever it is, they need to cancel that and give you a new one. They should also give you a credit for the amount if you can convince them it was not by you. The bank and you can determine if you need a new account or not.
557189
www.capitalone.com  Look for the credit card that they offer to people to insufficient credit history.\n\nSometimes discover offers cards a little easier.\n\nOr, you can contact your bank and ask them if they offer a secured credit card.  For this, you will have to deposit money in a CD with the bank, and they will issue a card to you with a limit of that amount.
216551
You can get a pre-paid Master card through mycashplus. No credit checks, no bank account needed. Top up at post office.\n  Hope that's of help.
481919
You dont need a credit card but will have to post a bank account. This is for Ebay to take their funds and costs at a predesignated time. I would recommend a credit card but if you need to do a bank account then open a new account just for ebay. This way if your account is comprimised, you will not be completely out.
622747
well, I've had a credit score of 785 to 810 from the time I was about 22.  The only credit card I truly believe in is American Express.  I've switched to Blue by American Express because there's no annual fee.  \n\nBut, if you can not get a credit card, I would try a credit union.  Try every one of them.  Be VERY VERY weary of credit card companies.  My entire family is in the financial business and NO ONE HAS THE SLIGHTEST CLUE HOW UNBELIEVEABLY SLIMY THEY ARE.  It would blow the average human's mind if they knew the types of practices that credit cards were allowed to practice under.  It all started with one man in the 80's who's had to move about 50 times since because so many people want to assassin him.  He's the one that created the concept of "compounding interest" and made the credit card companies TRILLIONS of dollars off of people's misfortunes.  \n\nSO, if ANYONE like at a store like target, old navy, gap, walmart, ANYWHERE offers you a credit card and you'll save yourself 15%,,,,tell them to go (*&#$(*@&#($ themselves.  They are out for your first newborn.  \n\nOnly trust American Express and a credit union.  You should be able to find a credit union who will give you a small balance just to see how well you do with payments.\n\nYou will build credit, don't worry.  Just pay off car loans, student loans, etc.  All of that counts towards credit.
452180
isnt there an after hours number you can call to cancel the card and ask the question of the bank - you should check
43773
Why don't you contact the c/c customer service via their website? With a computer, you can get answers as fast as 48 hours. I have NEVER had any problems(knock on wood!) doing business with my bank or c/c company using their "help" or "ask us" section using my computer. All my payments have debited from my checking account on time and I haven't been late for a long time. The sites are secure and so far, I have not had my identity stolen or any other problems.\nThey aso have 800 numbers and you can talk "live" with a rep. \nIt is April and your problem occured almost 6 months ago. You better hurry or your credit will be shambles!
167517
I have bad credit and I am on chexsystems and I was able to open an account with Citibank.  I did it on line at citibank.com, the only problem with mine is that there are no local branches, but there are several ATM's in my area.  Hope this helps, Good Luck!!
310087
cancell the card like now...and check if they billed you. If they did report as fraud. Get a new credit card
367707
If you don't have credit it will appear that way. If you do in fact have credit and a history contact equifax in writing..NOT on their web-site
656871
To get a credit card, it takes more than just a good score.\n\nPull your credit report to make sure that it is reporting correctly and dispute items that are not.\n\nAlthough, at 650, that is pretty decent to get a good credit card - depending on which bureau it is under. Go to www.whogavemecredit.com and search that score to get an idea of what others have gotten with the same score.\n\nIf you have no credit history, that can be a problem - start out with getting a secured card. Usually after 6 months or so a bank will turn it into a real credit card with a limit. Don't take out loans to raise your score. Credit is supposed to be a tool, not put you into debt!\n\nCheck out creditnet.com and creditboards.com to see if theres info out there that can help you get started!\n\nGood luck!
234975
I'm one of the investing financial advisors who you don't want to talk to yet.  But I've also done some credit work in the past, and I know who you are looking for.  Be very careful, because there are a lot of crooks out there who sell fake credit repair packages.  The best place for you to go is to a non-profit credit counseling organization.  They can help explain all the issues.  Sadly, there truly ISN'T a quick and easy repair that you can make, but there are steps you can take that will gradually improve your credit over time.  If you handle things right, once your bad times are far enough in the past, it will be like you never did anything wrong.
420384
i dont know , if you have never asked for an other card or an acount from your bank then it could be a scam , in your positon will call my bank and verify using the number from the yallew page not that number, if it not right i will report it ,u have to always to verify because it could be a big scam that some one trying to get to your debit card info"number and exparation date ,name" to get to your money ,because it easy to make ppl believe that them bank calling them by using the computer generating system , to be honest i have never trusted even my credit card when they call me ,i awlays tell them that i will call them back and i use the real number that i know and i ask for that department if it exist then i ask what was the reason for calling me , any way never give your personal info t any one and goog luck
536051
You might call the number on the back of you card and inquire what credit amount you have remaining. It would serve you better to reduce your personal debt.
52737
Try the bank where you have a checking account they will probably give you a credit card. You have to start out  small with like a 200 or 500 dollar limit.