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Discussion in 'Credit Talk' started by sergetp, Aug 13, 2003.
any info would be GREATLY appreciated.
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I'm no expert, and the vets around here can also help, but I would get a secured card witha reputable bank. Secured means that you place money in a savings account with that bank, and, in case youdon't make the monthly payments, the savings account is taken to satisfy the debt. You have to make payments, though. They don't get taken out of the savings account. Also, your credit line is equal to the amount in the savings acct. Sometimes, they may give you a little more, but usually not. After you pay on it on time for a specific time, they may convert it to unsecured, which is a traditional credit card with no savings to secure it. That means they trust you again to make timely payments.
what does the 'unsecured' mean?
It means you don't have to supply the bank the funds so that they can lend you your own money and charge you interest on it.
THE END ** *** ** LB 59
Like I said in my other post you're paying the bank interest on your own money!
lbrown59--so...what do you recommend i do? what's the best way to build up my credit? thanks in advance for any advice!