Okay my GF needs a credit card....

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A

Al Neri

Diamond Member
Jan 12, 2002
5,680
1
81
My g/f is taking a course that is going to cost her 1300 (which she doesn't have). She refused a loan from her parents... and she told me not to think about offering, which settled a could-be-diffucult situation that may have arisen.

Regardless... she needs to pay in about 1.5 months or so.. and she will be reimbursed by her work in 8 months... She planned on putting it on her CC which has a usurous(sp?word?) credit rate... is her best bet to put it on a CC and get a card with a 0% APR on BTs and no fees or are there cards that offer 0% APR for a year that she can apply for?

Is there a good site to find an optimal credit card?

Thanks!

Don R.
 
A

Aimster

Lifer
Jan 5, 2003
16,129
2
0
college payment plan?

I know most universities around here have one.

0% interest vs high high credit card interest
 
J

jdini76

Platinum Member
Mar 16, 2001
2,468
0
0
I have seen credit cards that offer %0 on transfer balances for a year. So she can pay for it on a card she already has then apply for one of these %0 cards it will transfer with no iterest. then all she has to do is pay the minimum until she gets credited back from her job.
 
G

George P Burdell

Lifer
Aug 25, 2004
11,151
1
81
Avoid credit cards as long as you can. Since it's only an eight month period, can't she try for a loan or other kind of financial aid? If you talk to the financial aid office or the Bursar, they can guide you well.

If you absolutely must have a CC, go to http://www.bettercreditcard.com/
 
dullard

dullard

Elite Member
May 21, 2001
26,185
4,844
126
Let me get this straight:

1) She refuses to get a loan from anyone.
2) She wants to get a CC to get a loan.

I think she doesn't understand what a credit card is. A credit card is a loan. Nothing more, nothing less.

Tell her to get a student loan or a college payment plan. For example, my college would delay all charges until reimbursement money came in, free of charge and for as long as I needed (but only if I could prove the reimbursement was coming). I even did that once for a scholarship that was 1 month late in paying me. A simple talk with the university delayed my room and board bill (~$2000) for a bit over a month. Heck, have you even checked to see if her college allows CC payments (many don't) and if they do accept CC payments do they charge an arm and a leg for that service (many do)?

That said, $1300 isn't much at all, and there are numerous ways to get $1300 by the time the money is due.
 
A

Al Neri

Diamond Member
Jan 12, 2002
5,680
1
81
Originally posted by: dullard
Let me get this straight:

1) She refuses to get a loan from anyone.
2) She wants to get a CC to get a loan.

I think she doesn't understand what a credit card is. A credit card is a loan. Nothing more, nothing less.

Tell her to get a student loan or a college payment plan. For example, my college would delay all charges until reimbursement money came in, free of charge and for as long as I needed (but only if I could prove the reimbursement was coming). I even did that once for a scholarship that was 1 month late in paying me. A simple talk with the university delayed my room and board bill (~$2000) for a bit over a month. Heck, have you even checked to see if her college allows CC payments (many don't) and if they do accept CC payments do they charge an arm and a leg for that service (many do)?

That said, $1300 isn't much at all, and there are numerous ways to get $1300 by the time the money is due.
Click to expand...


bingo :) thx
 
sixone

sixone

Lifer
May 3, 2004
25,030
5
61
If she already has a credit card, tell her to call that company. She should ask for a 0% interest rate, they may give it to her, or at least lower what she's got now.
 
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