Do you pay for a CREDIT CARD even if you DONT use it at all?
913869
As long as there is no "annual fee" you wont pay anything unless you use it.\n\nThe APR stands for annual percentage rate, which is the interest they will charge you on purchases if you dont pay them off in one billing cycle.\n\nMinimum finance charge means that if you carry a balance past one billing cycle they will at least charge you $1 in interest, even if the interest would only mathematically equal 79 cents.\n\nsomtimes these types of cards are good because you get advance notice of sales and extra coupons.\n\nbut they are also very tempting to use when you really cannot afford your purchase.\n\nbe careful, and be informed!
173014
Yes, there are several credit card issuers that will approve you for a card if you have bad credit.  There may be some up front fees or you may pay a higher interest rate since you pose greater risk, but at least there are options.  Check out the bad credit section at CreditCards.com (http://www.creditcards.com/badcredit.php)
554135
In UK it depends on the Interest Rate in your credit card.\n\nMost of the Credit cards have high-interest rates, probably the majority.\n\nA credit card that gives rewards by points have a high-interest rate also the ones that have Mileage (that accumulates miles)\n\nBut the average charge for an overdue bill of a credit card will be 18.8% to 25%.\n\nFor example you had received your credit card bill with the amount of £1,472.80 (Thousand four hundred seventy two pounds with eighty cents) And you didn't pay on May 22, then the interest will be of 23.4%, so in your next bill it would appear £1,472.80 + (What you waste on the month with your credit card) Ex(£356.79) + the interest of 23.4% it will be (£344.64)\n\nSo your credit card will be in a total of: £2,174.23\n\nBe very careful with the credit cards, it's a bad business of the banks, so try to maintain it and do not waste too much on it.
289529
No you do not have to pay. You can just tell them that that is a bit much and you would like to go elsewhere. Get your stuff back and go someplace else. I hope you do go some where else!!
907040
There is no such thing as an online credit card. A credit card is a tangible object that you can use online. Do you mean a credit card you can apply for online?
120373
Its a piece of mind.  Don't spend what you don't have; avoid using credit cards.
685799
doubt you'll get a credit card at any fee
962034
never pay money to get a loan or credit card\nsounds like these online finance companies and they are a  scam \npeople on here are saying they don't even get their loan
967277
The\nNO CHARGE CREDIT CARD   from FREE BANK
82861
see if you can go on your mom's or dads credit card as authorized user then use it and PAY for it...it will report on your credit, also try to get on one that has no balance and pay for it yourself. take the FULL responciblity
51770
You don’t need credit card for every thing but some cases like on internet some site only accept credit card for receiving payment because credit card of any country is accepted all over the world.
1012763
yup ...go to where u pay and tell u cant pay ..they will do payments without intrest
15292
Stop using your credit cards.\n\n \n\n“People change their lives only when they say, ‘I’ve had it!’” – Les Brown\n\n \n\nThink you can’t exist in the 21st century without credit?  Do you have at least one credit card?  Did you sign up just for the bonus miles or cash back?  Sounds like it’s time for you to perform a plasectomy.  (That’s what Dave calls cutting up your credit card.)  You’ve heard all the lies, now here are a few facts about credit.\n\n \n\nMyth: No on can live without credit cards.\n\nFact: Actually, 24% of American households are getting by just fine without any type of credit according to a Federal Reserve survey of consumer finances.  Try using your debit card or cash instead.  If millions of Americans can live without credit, so can you!\n\n \n\nMyth: Credit cards help me get airline miles, cash back and other discounts.\n\nFact: Yeah, credit cards also help you get into debt.  Consumer Reports say that only 25% of airline miles are ever redeemed – and credit card companies know it.  Earning a few airline miles is not worth thousands of dollars in debt.  \n\n \n\nMyth: I can just pay off the balance at the end of every month.\n\nFact: You’ll be in the minority.  According to CardWeb.com, only 40% of credit card users pay off their balance when they receive the bill.  Plus, overspending is inevitable when you use a credit card.  It’s just easier to swipe a piece of plastic than it is to flash the cash.\n\n \n\nMyth: “Ninety days same as cash” is the smart way to buy.\n\nFact: “Ninety days same as cash” is a scam.  Retailers know that most consumers won’t pay their balance in 90 days, which means you get stuck with outrageous interest rates and back charges to boot.\n\n \n\nMyth: I’m required to have a credit card to buy a house.\n\nFact: Several quality mortgage companies provide underwriting which allows you to purchase a home without a credit card.  If your mortgage lender requires a credit card for your home loan, run – don’t walk – to a lender who will actually help you achieve freedom from credit.
423764
You need a credit card. How old are you?
15092
I agree with VaTreasures - the best thing you can do when using a credit card is to discipline yourself to pay off your balance on time.  If you get into a habit of not paying on time you start to acrue more and more interest fees (I know all about it).  Paying back on time will also avoid any missed payment penalties.\n\nApply for a credit card with an interest free period, this will cut down on costs.  Getting an interest free period is important.\n\nIf you are unhappy with the idea of running a credit account, then I would recommend a prepaid card or direct debit card.  Prepaid cards can be loaded with funds so you cannot overspend, which keeps your finances in good shape.  Debit cards withdraw funds from your bank account instantly when you make a purchase, again these do not require managing a credit account and help discipline your spending.\n\nMore helpful tips from round the web:
88675
Yes, if you try to screw them by not paying...Is this what you are asking?
634065
Credit Card's are nice to have,but bad to use unless u can pay the balance every month.My motto is if I can't afford to pay cash for it I don't need it.If food stamp's are necessary to get u through the month by all mean's use them that's what they are for.