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Credit Cards For People Without CreditPosted on January 13, 2010. The advice of people without credit cards? Ok, fine BofA would raise my April from 7.9 set to double, both on credit cards. I chose to withdraw, leaving the balance on both cards in April to 7.9 I have another credit card, Chase, I decided to "build" on. However, today I received a letter stating that Chase was going to raise my APR doubles, and even the choice to withdraw, and do not use the card. So .. which leaves me without the use of credit cards. I have great credit, and the two banks said the increase in APR was the economic situation. I'm just panicking a bit because I used credit cards for the past 16 years, and now I'm not going to have to count. Any advice or any other person having the same problems I have? What is happening nationally ... people who pay their bills are getting screwed because of people who DONT. try going to the bank or credit you use. They should also know your credit history and perhaps give you a good April. I thought Obama made a law not raised in April to help the poor. Good luck. I would like to close accounts and pay. I do not understand. Do you wear sales? If so, you're probably better off closing accounts and pay them back. If you do not carry a balance, your APR is irrelevant. I have a card but never use it, it is there if I needed, but the TAC could be 200% for all I care. CommentsThere are no comments.Leave a Comment |