Credit Check Facts

Question by : can someone tell me what "branch credit" means?
I went to the bank to deposit a check, but they didn't tell me how long it would take to have funds. And when i log on to my account online it says branch credit with the amount that i deposited. what does branch credit mean????

Best answer:

Answer by Jeanbug
This apparently is how your bank describes a deposit made in the branch office as opposed to a direct deposit. The deposit shows up as "pending" for a day or so, and once the check clears, it moves over to the "cleared" column.

Add your own answer in the comments!

Question by hartinbabe: Credit card balance transfer for someone with "slow credit?"?
Hello, my credit score is between 650 and 690 depending upon the company I pull my report from. For years, I have been denied credit cards due to "insufficient credit history." I was secondary on a furniture credit card a few years ago (since I couldn't get the card on my own) and after a couple years, paid off the entire balance of $ 4,000. I've always paid bills on time and have nothing in collections. A few years ago, I was approved for a Target store credit card, then after making enough payments on time, was approved for a Target Visa with a maximum $ 500 limit. Now, the limit is at $ 1500. The interest rate is INSANE. 29%. I have a balance of $ 1100 I've been trying to pay off for a while now. I'd like to transfer the balance to a lower interest card, but I don't want to start applying all over town to be denied for the same reasons as I've been in the past. Any ideas about where to start for someone with "slow credit?" I've had car payments for years and have always paid them too.
I actually don't remember exactly what the balance on the card is from. I know that we've only ever charged things like groceries or new tires. We've used the card for emergencies only. And we literally have been struggling lately, so we haven't made unnecessary purchases. Just food and bills.

Best answer:

Answer by Tom
Credit limits mean NOTHING, Mine are all in excess of $ 25,000 each.
I have NEVER paid one CENT in interest.
I pay them off each month.

Stop your SPENDING!
There isn't ANYTHING anywhere you HAVE to have except some personal items for hygiene and medications that those stores sell.
I doubt you have a $ 1500 Charmin bill.

Just live your damnedest on the cheap, and PAY as much as you can each month. Even if it means you have to sit on the porch and watch cars go by for entertainment.

If you can get a ZERO or low rate balance transfer, DO IT. and don't be charging on it either!

You can ask that Visa card to lower your interest rate, 29% is legalized RAPE. If they don't drop it below 10%, transfer and cut it up.

Add your own answer in the comments!

Question by bee g: Can someone explain to me a "renters credit"?
Due to the poor housing market I am not able to sell my townhouse. Therefore, I would like to try and rent it out, but I have no experience at being a landlord. I understand a "renters credit" is a tax credit, and I think lowers the amount of taxable income of the renter.....? But what are the upsides/downsides of giving my leasee a renters credit and is every renter entitled to recieve this credit or is it up to me as the landlord to give it. Any other advise on being a landlord is appreciated too.....
I'm in Minnesota....

Best answer:

Answer by _nicole_
"Renters Credit"? I have never heard of this before. Where do you live? You might want to contact your contact your local licensing & Inspection department (courthouse) to see what steps you will need to take in order to rent out your house. They will give you the proper advice.

Add your own answer in the comments!

Question by Blue Foots™: If someone says, "Jesus deserves all the credit" for your marriage, what do you have to say to that?

Best answer:

Answer by Kalista <3's MSI
Bite me.

Know better? Leave your own answer in the comments!

Question by zeldadude: Can someone else use my best buy "store credit" card?
As in, is it the same thing as a gift card? Someone without my name on it can use it?

Best answer:

Answer by indie_dude80
Yes. It works just like a gift card.

Give your answer to this question below!