FindArena > Find Arena > Banking

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  #1 ()
Jamesgos : It also had diamonds around it.

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  #2 ()
GVgayle : Yes it is the style and you can find it almost everywhere. In the mall acessories stores like claires, rue 21, forever 21 or maybe even a department store like Marshalls should have them.
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  #3 ()
Isabella_Washington : I'm 21 years old and have no credit, not bad not good, just none. I want to try to start building some, so I have been thinking about applying for a credit card. I don't plan on using it for extravagant things, just when I need something here and there I'll use it to keep it going. I don't know ANYTHING about credit cards, so I have a few questions- Is there a certain one that you would recommend for my first one? Will it affect my credit rating negatively applying for one? Will it actually help build credit (assuming I pay on time every month, etc)? And, if it won't help build credit, what are some other ways I could get started? Any help is appreciated!
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  #4 ()
ganelsalevx : Discover. I have heard it is very easy to get.
The limit will be low. No problem.
Does not hurt your credit. You have nothing to hurt.

With this card. Charge your gas or food.
Pay in full each month when you get the bill in the mail.
Not the minimum, not more than the minimum, but in full.
Carrying balances is a fast way to destroy credit.

To get a credit card, they will want to see 1 year's worth of employment.
That income will have to be sufficient. They could ask for proof.
Hope you have savings. Never touch any form of credit without your
Savings Emergency Fund
This needs to be 5 months of income.
Did you know there is a database credit card companies can check your accounts?
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  #5 ()
BizDyereedimi1970 : If you are employed 12/18 months and have $500 in a savings account, you should be able to convert into a secured credit card from a bank. Make sure they belong to the credit bureau. In 12 months, you'll have a fair score, (620/659) and in 24, a good score (660/749) and in 36+, an excellent score (750/840). Use it for small items and pay the balance the following month.
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  #6 ()
wmzejbxg : I posted a question about this earlier but i recently found out that I can't use my gift card for foreign purchases. I wanted to buy gold for GW2 if you are wondering what I wanted it for.. Either way, I was wondering if I could add it to my PayPal account to purchase what I wanted but if I do, will using it from PayPal show up on a billing statement? I know PayPal account balances send billing statements in the mail so I needed to know if I could use my gift card on paypal and not receive billing statements?

Thanks all
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  #7 ()
songfeng607 : Hey. I am buying wholesale items online to sell via website/ebay.

It's my first order of £480, I am using my credit card to pay for this (£500 limit)

Would it be easier to do a bank wire transfer or a Paypal transfer with my credit card? can you inform me of any charges?

Will my wholesale supplier have to wait?

Thanks ALOT for any help
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  #8 ()
uniondory : Personally I would use Paypal. Its safer
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  #9 ()
Reersumbere : You might have a fee with a bank wire transfer so you should ask your bank about that. As far as I know, if you use PayPal there is no charge to you for using it.
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  #10 ()
GomiToido : unless business was Incorporated,
all debt is personal so u just pay it off.

contact your banker for local laws on
getting a loan for this debt
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