MSB asked: I know that applying for a new card will reduce my FICO, and that increasing credit limits (while keeping debt amounts constant) will increase my score – but this would not be the case if requesting the increase in credit limit is treated as a new credit card application?

Des-n-Jes asked: I currently have 3 credit cards. I just got approved for another and it is in the mail on it’s way. I paid off the one with the lowest credit limit, and was thinking about cancelling it and just keeping the other three. I have been working on building my credit for a [...]

radioactive_babywipes asked: I’ve heard that once you pay off a credit card you shouldn’t close the account to keep a good credit score. I’ve also heard that even though one pays off his credit card reducing the credit limit is also not a good option for keeping a great credit rating. What is the best [...]

chaos_magician13 asked: I recently turned 18 and im in a great living situation. i live with my dad, make about 1000 a month and im a musician. I wanted to buy a new bass and amp, but more importantly need to start my credit. I already have the money to buy the bass today, but [...]

single_mother asked: Alright, I have searched the internet and asked people this question. I want to get a credit card to help build my credit. But I am having trouble finding a real credit card. I do not want a debit card. I know they exist, so please help me. Is there a real credit [...]

blue11 asked: I have just applied for a Wells Fargo Credit Card–I also have a checking account with them as well. Anyways, i was approved for a secured credit card of 800 dollars and denied a personal line of credit? I have to send them 300 dollars for collateral to get my card. Can someone [...]

Michael asked: I’m 19 years old and I have my first credit card. The new Obama credit card law will restrict credit access to people under 21 when it takes effect. Will I still be able to keep my card?

sde asked: I just recently came back from vacation and am going on another in approximately two weeks, where extra funds would be nice to have. I am curious to know if there is a legitimate (key word) online credit card application that doesn’t take 30 days to give a response. And if there is, [...]