All Questions
26
questions
2
votes
2
answers
391
views
Is it possible to force-update Equifax that a specific credit card balance has been paid off?
I called credit card issuer and they told me that they reported the latest $0 balance to credit bureaus.
I logged in creditkarma.com and can see that at least Transunion report shows latest $0 balance ...
0
votes
1
answer
319
views
If I get a credit card without providing a SSN/ITIN, will they still report my activities like normal?
I am a new student in US with no SSN/ITIN at the moment. I want to apply for unsecured Bank of America credit card and secured capital one and citi/US bank credit cards. But I don't know if I get ...
12
votes
3
answers
7k
views
Is it common practice for credit card company to demand to see your income tax forms?
I recently applied for a credit card that my wife has. I was responding to a great offer that I believe this credit card company sent me based on my good credit score and so on.
When I applied online, ...
14
votes
4
answers
4k
views
Is it better to have/use more credit cards to build credit history/score?
If someone has a credit card with $5,000-$10,000 credit line, and the average amount of monthly payments of this person is around $1500, what is the best scenario for this person to increase their ...
0
votes
1
answer
200
views
Which is better to build credit score? Becoming an authorized user of another credit card or get a personal secured credit card?
I am new to the US with a F-2(student dependent) visa, I want to have credit history and build credit score in the US. I think I have three options but don't know which is better to do or maybe better ...
4
votes
3
answers
517
views
Keep secured credit card open?
I am young and want to try to start building credit. The tellers at SunTrust advised that I start with a secured credit card, and eventually I will transfer to an unsecured one. Is the transfer like ...
3
votes
1
answer
137
views
first credit card for H1B worker
I see a question Looking to get my first credit card but that seem to focus on students. I have a friend, who just came on H1B with zero credit history. The bank that has the regular account for him/...
10
votes
4
answers
2k
views
Should I max out my first credit card in order to build credit if I can pay the balance immediately?
I was just approved for my first credit card. I will be making a large purchase soon which will exceed my credit limit. I could split the purchase between cash/debit card and my new credit card or ...
3
votes
3
answers
254
views
When / how is credit card interest charged? [duplicate]
I'm currently a student in college in the United States. I have a scholarship, and I work, so I'm in the fortunate position of earning more money than I'm spending. I have a credit card, but pretty ...
2
votes
2
answers
2k
views
Authorized user on Lowe’s credit card (only credit history besides phone bill) how will this affect me when applying for an auto loan?
I’m 18 with a credit score of ~719. My grandfather added me on his Lowe’s credit card ($8,000 limit). He’s had this credit card for over two years and it shows up on my credit report as if I’ve had it ...
0
votes
3
answers
197
views
Best way to build a credit history for a graduate student in the US
I'm a first year graduate student in the US, and I'm considering several options to start building credit history.
1) Apply for a local credit union secured credit card (without annual fee)
2) Apply ...
1
vote
2
answers
288
views
Credit Report debt expiration limit: original creditor vs. Collection
I am confused about how the statute of limitations with regards to debt applies to what is reported on an actual credit report from the 3 credit reporting agencies in the United States. Researching ...
21
votes
4
answers
8k
views
How to recover from credit score hit from paying off loan?
My credit score recently took a dip after I paid off my student loans recently.
When I look at the credit report via mint it shows a "not bad" rating for number of accounts opened. ("not bad" is the ...
2
votes
2
answers
519
views
Opening 5 credit cards at once with no history to ruin, is it a good idea?
I have no credit. I'm a student, who has never had a credit card short of a secured card I had a few years ago that I was poorly advised to close, and now I'm trying to build credit.
Conventional ...
0
votes
4
answers
573
views
Should I apply for more credit cards?
I will be frank. I really want the Chase Sapphire Preferred visa card. I moved to the States in the beginning of this year and have been trying to build my credit, particularly using the Sapphire ...