I'm 24 and have (apparently) no credit history. Nothing on it. Nada. I'm trying to get some kind of credit to start building up some credit history, but I keep getting turned down for cards. How can I build credit when it seems like nothing I do is being reported to credit bureaus? [more inside]
posted by raygan on Dec 8, 2009 - 44 answers

Credit collection agencies. Should I call and make an offer? Help me get out of this mess. [more inside]
posted by anonymous on Aug 11, 2009 - 12 answers

Is my U.S. credit score based on the total available credit on all cards, or is it also based on the available credit on an individual card? [more inside]
posted by East Manitoba Regional Junior Kabaddi Champion '94 on Jun 15, 2009 - 10 answers

What are some reputable, low-cost, non-PayPal merchant accounts that enable you to accept credit cards online? Extra credit question: what are the best designed and lowest cost Web store options? [more inside]
posted by roxie110 on Mar 17, 2009 - 15 answers

Is it possible to take out huge sums of money as cash advances and then flee the country? Don't worry, I have zero interest in actually doing this, but I was talking to a friend who claimed that one could apply for a bunch of credit cards at once, max them all out, and then skip out to Thailand or somewhere and live off the $150,000 or however much you got. Is this true? And if so, why aren't more people doing it? [more inside]
posted by allen8219 on Sep 3, 2008 - 21 answers

I have this money-making idea in mind, and I wanted to test its potential viability and profitability with some of you who may know more about banking and credit cards... [more inside]
posted by Christ, what an asshole on Apr 28, 2008 - 15 answers

Posting for a friend: My friend was bad about paying bills on time for a credit card over a long period of time (multiple years). It's one of the major blemishes on their credit score right now and the issuer has just decided to cancel their card. The question is, how much will the issuer canceling the credit card be on my friend's credit score, and what can they do? [more inside]
posted by Eldritch on Jan 22, 2008 - 4 answers

Beyond the obvious (Google and MeFi searches have been done), what can I do to restore my credit over the next 2 and half years? [more inside]
posted by The Deej on Jul 7, 2007 - 9 answers

Bad Credit Filter: When I was 19/20 years old, my credit was ruined. It's nearly 7 years later, are these charges going to disappear, or is that just an urban legend? [more inside]
posted by idledebonair on Feb 20, 2007 - 40 answers

Why does my credit card company keep trying to scam me? And how is it legal? [more inside]
posted by krippledkonscious on Jan 18, 2007 - 27 answers

Cheap Money Filter: I've got a moderate amount of credit card debt right now ($15k), at reasonable but not great rates (13-18%). I'll be making more money in the upcoming year, and the debt load is manageable, but I want to explore trading these loans with an unsecured line-of-credit type loan or some other loan. Advice? Suggestions on where to get a good rate (i.e. got any good junk mail lately)? [more inside]
posted by zpousman on Jan 10, 2007 - 15 answers

Which is a "worse" type of debt - credit card debt or car loan? [more inside]
posted by tristeza on Jun 27, 2006 - 28 answers

So, I applied for an AmEx credit card online, and got instant approval and a 10k limit. On a whim, I decided to apply for another amex credit card immediately after, and got another instant approval for another 10k limit card. Can I keep doing this and apply for more of their credit cards and keep getting instantly approved? Does this sound like a really bad idea to anyone else?... It's so tempting though... [more inside]
posted by yeoz on Jun 12, 2006 - 13 answers

How many credit cards do typical people have/carry? [more inside]
posted by raf on May 14, 2006 - 50 answers

I went over the credit limit on my credit card and got whacked with a $35 fine --- again. Are there any cards that, instead of approving your over-the-limit transaction and then fining you for it, will instead decline transactions that are over your credit limit?
posted by goethean on Jul 20, 2005 - 15 answers

A friend in college is very anxious to get a loan for around $5-6000. Neither of us knows anything about credit cards, so I'm asking for some advice on her behalf. (*and yeah, this question seems pretty basic, so sorry if I missed it being asked already) [more inside]
posted by jsbww on Jul 12, 2005 - 14 answers

Five years ago almost to the day, American Express decided to no longer cover credit card transactions from p9rn sites, claiming that business with such sites carried unacceptably high incidence of disputes about transactions.. Other credit card companies decided not to, ahem, pull out. Today, the AmEx decision still stands. After five years, can we say that American Express got... stiffed? Or were they right in the first place and the other companies got... screwed?
posted by matteo on May 9, 2005 - 20 answers

As a young person with a pretty much blank credit history, I'm looking for ways to start building solid credit for the future (more inside) [more inside]
posted by ubernostrum on Mar 28, 2005 - 22 answers

I've got two credit cards with interest rates of 21.24% and 23% - both with balances over $5K. Both banks have sent me convenience checks - one with 3.99% fixed APR for life of balance - the other with 0% through August (then 17% after). Can I 'swap' the debt from one card to the other by using a convenience checks to pay the balance and getting lower interest rates? I'm paying my debt off every month - but if I can get it to grow slower, I thought this would be a way to do that.
posted by anonymous on Jan 4, 2005 - 16 answers

I've never had a credit card before, but now I'm ready to bite-the-bullet and apply for one. I have a decent bill-paying history, have never had a loan, and make around $30,000 / year. I'd love to find a card with an introductory 0% APR -- Bank One seems to have what I want, but I don't know if I should be considering more options. What should I do. [more inside]
posted by TurkishGolds on May 3, 2004 - 34 answers