Floxi

Oh Italy it’s my dream! I lived there for 2 years! I like people, i like italian food, i like small towns on the beach. I want ot live there!

With credit card it is so easy to overspend! In February I paid off my last credit card and now I am going to pay off my balance in full each month. So, I will prove my trustworthiness and establish good credit reputation. I want to get home loan next year therefore I will need good credit history.

I’ve just paid my last card debt!!!! So now, main things to pay all my bills on time and to exclude new debts. I am strongly going to build positive credit history and want to ask my mum to be a co-signer. So I will get good credit card with good features therefore good points in my credit report. But I haven’t decided what card to choose. I am thinking about Amex blue cash or Discover Platinum. They are pretty good.

I can’t stand to even think about FICO score anymore. I’ve read enormous number of articles on how to improve my FICO sore. All they provide tips like your parents told you to do -pay your bills on time! Surely man with 6 years of accurate payments can obtain new credit easier and with lower fees than person who was late on the electricity payment 4 out of 5 times. So what you absolutely must do is to pay all your bills on time. Don’t max out you credit line. Don’t cancel your cards and don’t apply for new credit card only for improving you FICO. And you credit score would were you want it to be.

The fundamental rule is to pay your bills precisely. Late payments make a negative effect on your credit score. Another rule – make a budget. Don’t buy more than you can afford. Get a co-signer if you are turned down for a credit card or loan. – ask parents, family and close friends. Obtain copies of your credit report from each 3 bureaus once a year to check their accuracy. Do everything you can to make yourself look good to creditors. Don’t bounce checks or send late payments.

“Credit score is index of individual’s financial creditworthiness. It rests on the information in customers’ credit report. Credit companies use credit score to determine the risk of lending money to costumer.
30% of you credit score depends on how much you owe. Experts advice to keep you balance about 25% of your credit limit. Being at 70% of your credit limit would adversely affect credit score. Make a point of paying off your bills full each month. It beefs up your credit score greatly.”

I can tell you a myth about credit cards… the more of them you have, the better it is, they say. But are you sure you can pay for all of them? I can’t now and it’s awful, really..in my time I made best reward credit card applications and was approved but it turned out they charge me more…so, i advise everyone, before you apply for credit card, make sure there isn’t a dirty trick like this… avoid unsecured credit card applications if you’ve no firm money ground…

so many things that I cannot afford! It’s just getting at me and all this is because I cannot pay my debt… seems like I overestimated my ability to manage the high interest credit card I own. Now, I got to re-establish credit with sime other bank credit card,.. which one? and how get approved? a secured credit card is a good option they say but is it guaranteed approval credit card for me? oh.. i’m lost now…

lost all your points and need to re-establish your credit? No problem,I’ll tell you how I did it. I was a bunkrupt once even and so I know what good credit cards offers for bad credit can do to your damaged credit rating. I was advised to get a secured credit card for bad credit and it really helped to raise up my credit score! soon i realized this credit card really workes for you, re-establishing your credit. so if you are down on your crdit and need to start it over, be sure to apply for the secured credit card and you will soon be recovered, i know exactly…

every experienced credit card holder knows that the higher his credit score, the more chances he has to apply for best credit card offers and get an instant approval. Seems like I’ve fallen off the good credit rating policy and I’m rapidly losing points! i know, it’s extremely bad if i want to be able to use low rate, fee free credit cards… i badly need to restore my points! right away! is there a credit card to help me?