KFC employee stolen my credit without returning to me and did fraudulent transactions worth Rs 35000/-No KFC officials co-orating with me to nab the culprit and my request are in vain.

In today’s world, having a credit card is a luxury. Credit cards are a great convenience, meaning that you don’t need to worry about cash when making a purchase. Although some credit cards have strict requirements, there are a lot of manufacturers that are giving both high school and college students the chance to get their own credit cards. Student credit cards can be used the same way as a traditional credit card, although they do come with certain restrictions and limitations that other credit cards don’t normally have.

A lot of companies and banks that offer student credit cards will normally need a co-signer as a form of insurance or collateral. This person will sign on the loan with the student, and will be the person the company falls back on if the student is unable to pay the bill. Normally a parent or guardian, the co-signer is considered to be back up and a peace of mind for the issuer of the student credit card, as they can always count on the co-signer with good credit to pay if the student can’t.

Normally, the APR or interest rate is higher with student credit cards, which helps to minimize the risk for the company. The spending limit is also different with these credit cards, as most are between 250 – 800 dollars. The reason for this, is because most students have established any credit, and therefore won’t have a great credit rating. Although the spending limit is obviously lower with these cards than other credit cards, they will still help students establish credit.

Students who plan to make a large purchase, can greatly benefit from using student credit cards. To make large purchases, you’ll need good credit – which is where a student credit card can really help out. You can use these credit cards as a stepping stone to building credit, and establishing a good credit rating. If you can get your credit rating high with your credit card, you’ll then be able to be approved for much higher loans in the future.

Student credit cards can also help students gain a sense of responsibility. The card works just like any other credit card, although the spending limit is much lower. Once the student has mastered usage of the card, he or she can manage money much better later on in life. These cards are great for students to have, and can teach them money skills that will last a lifetime.

Just like traditional credit cards, students should also know that student credits cards can be dangerous. Although they are great to have, there are pitfalls such as overspending. If students spend more money than they having coming in, they will be unable to pay their credit card bill, which will then affect their credit. If the company goes after the co-signer to pay the bill, it could also affect their credit as well. Therefore, students should always have a budget in mind before they start using their credit cards.

All in all, student credit cards are great to have. For high school students or college students, these credit cards are a means of freedom, and a way to teach responsibility. They can come in handy during emergencies, which is reason enough to invest in them. If your son or daughter is in school right now, you should look into student credit cards. They can help your child to establish credit – which will take them farther wherever they go in life.

You can find the best choice of credit cards and pre-paid cards at www.CreditCards.us (http://www.creditcards.us)

I am overwhelmed by bills, utility, creditcards, insurance, tax returns, house papers, jobs’ paystubs and so on.
How long should I keep and what?

I am so tired of moving 10 years old bills to one box to another. Underneath my beds are full with these “junks”!!

Thanks in advance!!

One card is 500 limit and the other 300. I want to know if i should keep it as is or get a new credit card to get more available credit limit so i could raise my credit score.

what should i do?

I have bad credit, and need to pick between two different cards, The Rewards 660 and the Contienental finance, I have both of these cards, and need to cancel one, which one is better to have the rewards visa, or contienental finance master card?
I have bad credit so I can’t get a better credit card. The reason I want to cancel is very high annual fees, and monthly fees.

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I’m trying to raise my credit scores and pay off debt at the same time. I am about to finish the 0% period on a card that I did a bunch of balance transfers to. So my question is…should I apply for a new card with a 0% offer? Keeping in mind I want to raise my score.

Credit cards can come in very handy at times. When you are having trouble with your bills, the temptation to pay the bills with your credit cards can become overwhelming. This is especially true when you have companies threatening to cut off your television, heat, water or electricity. However, paying off your bills with credit cards is a path that you don’t want to go down. The reason is that it can lead you to going deeper into debt than you had wanted to.

Here is an example:

If you owe $200 on your telephone bill and the company has stated they will cut you off if you don’t pay, then you may want to use your credit card. So, you pay off the bill with the credit card, thereby putting a $200 charge onto your credit card. Everything may seem good now, but it is not.
The reason is that you have forgotten about the interest, and the interest is always a killer. If you have a 15 percent interest rate on your credit card, then after one month you are going to owe $230 on your credit card. Since you were not able to pay the original $200 on your phone bill, there is the chance you may not be able to pay the $230 on your credit card. As a result, a second month’s interest charge means you now owe $264.50.
By using your credit card and missing one month’s payment, you now owe an extra $64.50. Miss another payment and you owe nearly half of what you originally borrowed.

You should never borrow money off of your credit card to pay a bill, and more importantly, you should never try and get a cash advance off of your credit card so that you can pay off your bills. Cash advances come with incredibly high interest and fees. You can often pay 25 to 30 percent interest, plus fees associated with using the cash advance.

A much better option that is available to you, other than paying for your bills with credit cards and cash advances, is to use the minimum payment system. Minimum payments are what you are required to pay to keep your bill from showing up as past due on your credit report. When you make the effort to pay with minimum payments, you are paying off that little bit, but you are still owing a lot of money. Therefore, it is important to use minimum payments, but you should not rely on them. If you only pay minimum payments on your credit cards, you are only paying off the interest. If you keep using your credit card while paying minimum payments, then you are simply causing yourself to fall farther and farther behind.

If you find you cannot afford to pay your bills, it may be time to scale back. By scaling back on your bills, you can save money and not have to worry so much about being late on your payments. You won’t have to use your credit card to pay bills and you won’t have to worry about collection action. This is by far the best option for you and your bills.

I am looking to buy a small SUV sometime in the fall/winter but know that I need to improve my credit score in order to get a better APR than I have now. What credit score are most vehicle lenders looking for?

I just received an offer for a new credit card that will allow me to balance transfer with 0% apr for a full year. I have been looking for a new card to balance transfer because my current apr on the one card is extremely high. If I balance transfer the amount, should I keep the one card open and pay it off each month, like for gas, or should I close it because that would then leave me with 3 credit cards open. Any advice would be great. Thanks.