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I need immediate money. I don't want to get screwed over.
I desperately need $500 by September 8. I have applied for multiple loans at Banks and Credit Unions and I don't qualify for them.
I can't afford the quick loan places cuz their interest is too high and Ive heard horror stories about how they rip you off.
I have already sold and pawned everything I can :'( That was really hard but I am desperate.
I don't have a car to sell.
What should I do?
I do have awesome credit and could probably qualify for a credit card. But I know nothing about them. What's the best and safest credit card? Where do I go to get one? Are their specific qualifications? And is there a way to get a safe one without going to a bank or credit union? What do you all think of Visa Credit Cards?
Is there something better that I can do to get the money fast?
The two things I refuse to do are: Sell sex and Apply for welfare or any other kind poor people program. (Nothing against those who do it).
PLEASE H5LP!!!
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Maybe give some free advice about: Personal Finance?
Credit cards were at one time the easiest things to get; now I'm not so sure. One thing I am sure of is you will not get one by September 8th.
Even if you applied today you have the holiday weekend here in the USA to contend with so any application will sit until Tuesday morning which is 9/4. While the approval process may only take a day or two, printing and delivering the actual card can take 10 to 14 business days.
You don't say what you need the $500 for. I will offer this advice though. BE absolutely sure that whatever you need this money for is something that absolutely is something you need not just something you desire. For when we act out of desperation is when we fall into perils we find hard to get out of. When it comes to money it usually means agreeing to extremely high interest rates were you may end up paying back double of what you borrowed so please be careful..
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If you have good credit, then a credit card may be a sensible idea.
But if you don't qualify for a loan, then you may struggle with a credit card. But it is worth trying.
It depends on where you live. Not only country, but state. I suggest you approach your bank, and ask if they do credit cards. But also research online. Check banks, visa, mastercard, etc, etc, etc. Just google "credit cards" and you'll get tonnes of info.
You want to make sure that whatever card you have, it's the lowest possible interest. So call around to various companies, and ask them what interest rate you will be charged.
The interest is of course, the amount they charge you for your outstanding amount. They charge you this usually every month on whatever is left. You then have to pay a MINIMUM amount every month. Of course, it is in their interest that you don't pay it all back at once, because that is how they make their money.
But before you do, ensure you can afford a credit card. Will you be able to make the payments?
And what do you need the money for? Can you ask them if you can pay it slowly, or can they give you extra time? Try to reason with them.
In short, search around. Loads of companies will offer you a credit card. But the key is to find the lowest interest. So start searching now, so you have enough time for the application, and for checking each ones fine print and details. Also be sure you can afford it, and try to reason with who you want to pay.
Good luck!
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