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Test wants to know:

I heard having too many credit cards can lower your FICO score even if you pay them full each month. How many can you get before they drop your score?

I had problem getting a credit card when I had no credit history and then after I finally got one, I had difficult time getting another one, because banks said I had “too few” revolving accounts. Now I have 5 credit cards and only 1 of them carry balance. My balance to credit ratio is 6% and my FICO score is 740.

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kevinitisii wants to know:

I don’t see a link on the website and I want to put my 3 other cards on my target visa to save some money. I go to the other cards sites and they don’t have options to pay with credit card, only bank info. Why can’t you pay credit card bills with another credit card? I can’t seem to find out any info on how to do that. Thank you.

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adarix wants to know:

If the buyer does not own the credit instrument, this seems no different than gambling. Is there a law that allows somebody to sell a CDS based on the failure of a credit instrument and not the failure of a football team?
Football is not chance. It has a lot of statistics and rules. But it is illegal to bet on it.

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tampabay5400 wants to know:

I have a low credit score (545) and would like too improve it by getting credit and paying it on time, problem is alot of creditors won’t accept be BECAUSE of my low credit, and I can’t just keep applying too everything because obviously that lowers your score. So PLEASE tell me which credit cards will give anyone a card even if the interest rate is insane!

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BT_1999 wants to know:

I am behind on my credit card payment by two months this last payment was due the fourth, and I am planning on making a payment when I get paid this week. . . Is there anything else I need to do? I ran into some hard time financially.

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I Love My Sailor wants to know:

I have four credit cards and I want to put the amount owed all onto one credit card with a lower intrest. I also don’t have very good credit. Any help would be useful. Thanks.
The amount owed is not more than 1,500 between the four. I always pay double of what the minimum payment is.

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lela1026 wants to know:

For those with good credit , does it derive from having an abundance of money due to education with high pay, two workers in the home, or no dependants? If you are a single parent and do have decent credit ok how do you do it? Is direct bill pay the way? Just good habits, what’s your motivation. I need some tips! I am inthe process of re-establishing credit and wonder what habits others have that help keep them from crashing and burning when it comes to credit?

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Erick R wants to know:

Hello, I am trying to find out how to build my business credit without being attached to my personal credit score. I would like to know if anybody has information regarding what credit cards are available to do this. I would love any free information or links to sites that can tell me how to build my business credit. Thanks!!

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matias g wants to know:

There must be a web site or a person that can help me, its very normal. You build credit with the tax id and then when you get the social you want it showing in your social. If not you have to start all over again.
Thanks a lot.

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kiwi753 wants to know:

Can you please include the types of cards that a 19- year- old can get. What I mean is, some credit cards are difficult to receive based on age etc. I have a credit card and I dont like that company and I am about to actually close the account, but I want another credit card..

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Eddie Cacciatore, Private Eye wants to know:

This term change is after several years, and it was a reputable credit card company.

If I don’t agree to the new (worse) terms, they will cancel my card, and I’ll have to pay the remaining balance. Would this hurt my credit rating if I don’t accept the new terms, let them cancel my card and just pay off what I owe over the year?

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moehend wants to know:

I am paying off some credit cards and I would like to know when it will show that I have paid them off.

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monicamellish wants to know:

I am working on paying off my credit cards because I am planning to retire in 3 to 5 years. Is it ok to close out these paid up cards all at one time or does it matter?

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neverforgotten wants to know:

My parents are willing to get me a credit card at 16. They trust me and i am responsible. I will also be paying the bills with my checking bank account. Can i get the mtvu credit card at age 16? My parents also think it will help me raise my credit history for the future.
thanks ren- i think if my parents sign it off i can get one

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starfishblues wants to know:

I mean, I understand the concept of building credit and everything, but what is the point of student credit cards? What is the purpose? I’m sorry if this is a silly question, but I don’t really get it.

And can you trade them in after you’re no longer a student for a “real” credit card? Do people just keep them forever? I always thought closing accounts lowered your credit score?