I am trying to build my credit at 19, should I apply for a secured credit card or a secured loan? related questions

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I am trying to build my credit at 19, should I apply for a secured credit card or a secured loan?0madalyn2012-11-05 14:07:02
I have no credit history , but I am very responsible and I have a good job , while being a full time student . I've been doing research for the last few hours and see that a secured credit card is my best bet. I would make the payments on time , complete, and do not mind paying the annual fee , I think it's worth . MedlinePlus MedlinePlus However, my union bank offers a secured loan ( that do not offer a secured card , which are small and private ) MedlinePlus MedlinePlus So one must ask ? :/
Which one is better to build fast credit history, secured loans or secured credit cards? any bank recommended?0seesaw2012-09-28 04:45:03
Which is better for building credit history fast secured loans or secured credit cards ? recommend any bank ?
How to build my credit score fast, i just got a $200 secured card.?2kinwa2012-10-26 23:11:02
I have absolutely no credence in my bad credit history , but in the same sense that I have good credit but no ... so I took a small loan for $ 500 and have made ​​three monthly payments , all the principles so far ... Next we got a master card in the capital of an insured for $ 200 and a fee of up to $ 101 and made ​​my first payment today for $ 30 and this payment was not due until 4 days .. i hear different directions , one is to keep the balance and just pay more than the other minimum, always keep a small balance and pay more than the minimum , and finally one of them said charge a small amount and pay in full each month before .. I need to know the best , fastest way to build my credit , please help I have the means to do it anyway possible ... thank you very much
Getting secured credit card to build credit history. The more (deposit and number of cards) the better?0Tenderly2012-10-13 05:28:42
I just moved to the U.S. . Applied by credit card are rejected because "can not verify" my information . I try to ask Equifax.com credit report to find out what is wrong , but I can not find my profile. My SSN # was published in 1991 , when I went to college in the U.S. , never applied for a credit card or a loan at that time. Now I am trying to build credit history in the U.S. and found that I can do it with a secured credit card . My questions are : Should I apply for one or more cards ? Is there a difference if I can deposit $ 300 or $ 1,000 as collateral? Thank you !
Which bank would open up a secured credit card for me? (to build credit)?0JYD!!2012-08-27 05:14:17
I have only 19 and want to start building a credit history ? Any advice ? MedlinePlus im with a small bank that offer secured credit cards , but makes loans secured credit .. I do not want to do this , however , I have a secured credit card .. which bank do this? Builiding any advice on credit ?
Secured Loan or a Secured Credit Card, which is better to raise my credit score faster?0Dianne2012-09-17 17:03:03
I have to be able to raise my credit score fast , like in 3 months or so . I have only two credit accounts . One is 614 and another one is 530. I have to be able to have an average of 580 traffic in a hurry , which is 3 totals . They told me if I get 2 or 3 credit cards secured , use them and then pay off at the end of the month , bring my credit score quickly. But I was told that if I were to get a few secured loans and do the same , it would help me out better, because interest rates and fees on a secured credit card . So much have two questions here . Is it better if I get 2 or 3 secured credit cards or get 2 or 3 secured loans ? It is also better to have 2 or 3 in any of these or a large one?
Captial one card NON SECURED that I will be receiving or SECURED card from US bank to rebuild bad credit?1VICTOR2012-11-04 01:48:02
Please read this in its entirety and only respond with appropriate answers to all questions. Do not list fake websites or informed him that! I want to say first that I have 25 years of age and again in 2004-2005 went through some credit problems. I have not had any credit since it has no debt and credit, and has been paid for almost two years all accounts are closed. I have 3 negative accounts arising from my reports late 2012. I'd like to start rebuilding my credit. Recently I have been rejected by the Bank of America for a normal card convinced me of the application and a secured card, so I have two queries from January 2010 of them. An investigation in February 2010 to choose a sum insured NOT A card with a $ 39 annual fee and are approved will receive next week, but after much criticism of the company seems to have deceptive business practices, increasing APR rates and instead of putting say $ 300 as a credit limit that is put in place what position he would hurt me to use my credit results. If you try to close the account, add the charges to your account fraudgelant etc. Their customer service is in India and not good. Is this true? I read this on yahoo answers and my 3 cents complaints. If so should I try a U.S. credit card SECURED down to $ 300 with a $ 35 annual fee? The credit union does not offer far secured credit cards. If I can get a secured card U.S. CD Bank should open a 1-2 year $ 1,500 guaranteed with my bank is Harris Bank to show a loan? I have two charge offs and a credit card account with a couple of late payments 90 days which is also closed. I have 5 accounts per day, but are closed and were never used. What will my credit score go up from 1-2 years from now? Currently all questions before new for 2010 were my TU FICO: 597 Equifax: 648. I will only be using 7% of my limit of $ 300 rather than 30%. Refer to my other question here from the other day for more details on my credit standing entitled
Whats better a secured loan or a secured credit card for credit report?0janel2012-10-15 08:27:11
I have $ 800 would help my score to get a secured credit card or to find a secured loan. Also if I can put my name there husbands are informed both our reports or just the first person on the loan
I am trying to rebuild my credit, is a secured bank loan better than a secured credit card?1Crazy_Girl 2012-09-02 02:11:03
Capital One I have already insured with a limit of $ 300, I was thinking of getting a credit card or secured loan through my credit union. I have about $ 1000 - $ 1500 to get something .
I have terrible credit, but want to apply for a secured credit card.?0Silvia2012-09-21 19:14:04
I failed a few credit cards and a loan of $ 15K . Can my application for this secured credit card hurt me in any way? I need a credit card ( even with a small balance ) , I'm trying to get my life in order. MedlinePlus MedlinePlus I lost my job midlevel bank 5 years ago and am now working only part time .
No credit, Is it benficial to take out a secured loan and a secured credit card?0kapki2012-09-28 17:49:03
I have no credit, build credit faster to get a secured loan and a secured credit card ? or if only one of the two will be the same ? Also , anyone know any good secured credit cards ?
Should I use my 2k secured loan, or just sit on it to build up my credit...?1Sashy2012-09-17 08:01:04
I'm trying to build my credit so I took out a secured loan bank 2k . MedlinePlus MedlinePlus For those who do not know , are a little weird , you use your own money and paying the bank to release the funds you own . MedlinePlus MedlinePlus For example , you have 5k and you take out a secured loan 2k . Your bank account is reduced to 3k as you pay the loan that gradually goes up to 5k , less interest . MedlinePlus MedlinePlus Much less exciting then an actual loan , where you get 2k delivered to you and you can start spending . MedlinePlus MedlinePlus So should I take this money at some big spending or just sit on it , and by the end of the year they have paid about $ 60 in interest and a years worth of credit would have been built . MedlinePlus MedlinePlus Maintain or spend?

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