Monthly Boat Loan Payments
Just out of college and need a credit card. Help!?
I graduated from college in May. I never had a credit card. I always used debit card (with MasterCard logo). But now I want a credit card to build credit / history. Now I'm working on a stage and an unpaid part-time job so I do not have a ton of money. Also, I am worried about the seat material of Wall St. will affect my chances to get a card. I do not have much credit history. I have a student loan that I did not start making payments until January. I have a car loan were also behind in some payments, but at first I paid more than the monthly amount. I do not need anything fancy. I could do with a card with a limit of $ 500. Just something. What are my best chances? Anyone in a similar Boat to find a solution. I applied for some cards credit in the past and was refused. However, I always receive offers by mail. Help!
That's too bad you were late a few payments to the loan car, because lenders will be able to see this when checking your credit quality. No matter what you pay more in their first car payment, what matters is your time! This can also affect the interest rate you receive on your credit card! It is very important that you pay your bills and loans on time every month. You can also apply for credit cards or prepaid guaranteed if you do not qualify for an unsecured credit card. Even if you receive many offers in the mail, this does not mean you're eligible because you still have to apply, and each time you apply for that will check your credit report. Too many inquiries by companies to check on your credit files will raise a red flag … so you getting turned down again and again. I left a link for you about getting a credit card below. If I were you I would sell the car to free up some money since you mention that you do not have a lot of now. The whole world is in debt and if you can not buy it with money, then it should not buy this now … but I guess we all need to get credit started somewhere too. Good luck!
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