- How It Works|
- FAQs|
- Help
- Log In to your account |
- Sign up now for free!
tbell3260
Member since: December 2008
Total Contributions: 3
Most Popular Contribution
Is it better to pay off a credit card every month or make payments toward the balance every month?
Activity
(3 Total Contributions)Secure card deposit - credit score jumps from fair to good. Deposit returned?
more than likely if and when it gets transferred to unsecured you will recieve a letter stating such, depending on the length of time u have had the card, you can call the cc co, and request it be switched, and they will review the account, then after 3 to 6 months of good pmts they will automatically review for credit increase. as for the deposit, not sure, ive never gotten a secured card.
Response posted 1 year ago
my annual income is low, can I get a credit card?
cap one and/or orchard bank, best way to go for you!!!
Response posted 1 year ago
Is it better to pay off a credit card every month or make payments toward the balance every month?
you can pay most of it off, but you will want to leave some sort of balance on the card, even if its 5 bucks. if you pay off every month, theres no running balance to keep the flow going. lets say one month or even 3 months, you dont use it, theres 1 to 3 months of no pmt history that could be working for you by showing financial responsibility with your credit you have avaliable to you. ive found this method to be most benificial, and logical. for instance, if you pay balance off on the 21st of the month but the cc company doesnt run the account holders info till the 25th, you can so to speak, say that you were left behind, cause the names and info they pull to submit to credit bureau is only pulled from the account holders that has a balance, even if its only 5 bucks, it still counts as a balance that shows a pmt history and also will carry over. use the card once a month at least, maybe dinner or a tank of gas, pay most of it off but leave a small balance to carry over. hope this makes since and helps.
Response posted 1 year ago
- Prev
- 1
Credit Card Offers Just For You
These are the most popular credit card offers from Credit Karma members with credit similar to yours.
Credit One Bank® Visa Platinum Card
- Pre-Qualify for a Visa credit card without affecting your credit score
- Get a starting credit line up to $1,500
- No enrollment fee
Capital One® Secured Mastercard®
- Get the credit you need with no processing fees or application fees
- Automatic reporting to the 3 major credit bureaus
- Track credit with access to your credit score and other tools
Copyright© 2007-2012 Credit Karma™, Inc. Credit Karma is a registered trademark of Credit Karma, Inc. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
you can pay most of it off, but you will want to leave some sort of balance on the card, even if its 5 bucks. if you pay off every month, theres no running balance to keep the flow going. lets say one month or even 3 months, you dont use it, theres 1 to 3 months of no pmt history that could be working for you by showing financial responsibility with your credit you have avaliable to you. ive found this method to be most benificial, and logical. for instance, if you pay balance off on the 21st of the month but the cc company doesnt run the account holders info till the 25th, you can so to speak, say that you were left behind, cause the names and info they pull to submit to credit bureau is only pulled from the account holders that has a balance, even if its only 5 bucks, it still counts as a balance that shows a pmt history and also will carry over. use the card once a month at least, maybe dinner or a tank of gas, pay most of it off but leave a small balance to carry over. hope this makes since and helps.
Response posted 1 year ago