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  #1 ()
Sonephede : i got a visa gift card for Christmas i tried using it at stores it kept getting declined same thing when i tried using it on amazon tried registering it no luck tried calling the number the mechanic told me too return it (as if i know where it was purchased and have the receipt) what should i do

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  #2 ()
Alibabamen : Sounds like the store didn't activate the card correctly. If you know who gave it to you, ask where they got it from. The store it was purchased at will still have the barcode in their system. You shouldn't need a receipt.
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  #3 ()
wrimiIniviamy : call the toll free number on the back of the card and check the balance. If there is a balance, contact the bank and ask if you can have that balance transferred to another card, as your card mag stripe may be defective, or the account number invalid. If the balance is zero, someone played a cruel prank on you or gave you a worthless card.
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  #4 ()
kolodmskyy : I unknowingly signed up for a Kay Jewelers credit card in 2010. It seems like this is a pretty common issue. I had no idea I was signing up for a credit card. I was looking to buy a watch at the time and they told me it was a "rewards program" and I had to give them my info verbally and was just told to sign on the line. I've let it go for some years, obviously, but I never used the card. In fact, I'm almost certain it's in a landfill somewhere. My credit report still shows a zero balance, so I am wondering what is it going to do to my credit when I close the card? This is the only card I have open.

Please only answer if you really know what you're talking about. Thanks.
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  #5 ()
Isabella_Washington : If they aren't charging you a fee to keep the card, then there's no harm in keeping it open. It's good for your credit score to have a card that's been open a long time and that you don't owe anything on.
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  #6 ()
frontru : I have alright credit (632) there are no bad marks on my score, just hasn't built up yet, I wana get my second credit card to boost my credit is there a credit card that reports to all 3 credit places and boosts your credit faster I have capital one now
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  #7 ()
Fotaanits : doesn't matter.The best way to build it up is to purchace items and pay it off.The faster the better.
Before intrest comes in.
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  #8 ()
camarok : I was told by a legit financial source that the best way to build/fix credit is to
-obtain 3 store credit cards
-carry a balance that's around 30% of your credit limit on each card
-make the monthly minimum payments PLUS a little more until paid off (for example, if the minimum is $30, send 35)

Also, apply for a secured credit card with your banking instituation
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  #9 ()
AstesgogNedh : If your goal is to truly build up your score for good reasons then you need 2 or 3 more cards. Get a Walmart card or other department store card. With no negative information on your bureau then you should be able to qualify, even with a low limit. Some banks are OK with a low score if you have no negative information and the account you do have is over a year old. I have heard that Discover is sometimes OK with no negative information and an account which is at least a year and a half old and good income.

Try for a store card that later can be upgraded into a Visa, MasterCard, or Discover card. Examples are Gap, Meijer, TJ Maxx, and Walmart.

Also you could try for one with a bank like Capital One for a Visa or MasterCard. You can use thier preselection/prescreening process to see if they qualify you for a card. (Read what it says carefully during the process. They use a soft pull for the prequalification process and a hard pull for the final determination.) While they are known for giving out cards readily, they aren't always known for giving out credit increases quickly, frequently, or even at all! (They have a program which they call 'credit steps.' It is really only one credit step after the 5th or 6th month and there have been some people who never got another limit increase in 10 or more years. These people may have even gotten many other cards in that time frame with limits 20 times what Capital One gave them. Just be aware of it before you do it.)

You could get a secured card from your bank or credit union. Merrick offers a card with a fairly good interest rate and a reasonable annual fee. Some graduate into unsecure cards at some point, others might not. Just ask before you get it. Also you should sign up for a free service like Credit Karma and use their useful advice about improving your credit and their credit card reviews. It helped me improve my score about 40 points in the last year and a half!

Good Luck
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  #10 ()
Groolipioli : four ways to use credit wisely. four ways to use credit wisely
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