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http://www.bestcreditrates.net - Getting approved for a credit card can be difficult without a positive credit history working in your favor. It's a Catch-22: To obtain a credit card, you need a good credit history. But to have a good credit history, you need to establish good credit! This no-win cycle can keep people with a non-existent, limited or negative credit history from getting approved for a credit card. But it doesn't have to if you understand the type of credit cards available and how to build a good credit history. When it comes to

*** http://www.bestcreditrates.net ***- Should I cancel my credit card after I pay it off? I had this credit card since 2005. After I pay it off should I just cancel it. I think I'll try to build credit by getting a cell phone and build my credit that way, and just stick to my debit card for purchases. I'm just tired of working against my weakness which is the credit card.

*** http://www.bestcreditrates.net *** student loans, or any loans of the like can actually hurt your credit if you owe too much. If you have 100,000 in student loans, and you make 30,000 a year your debt-to-income ratio is going to be wayy to high, and scary to potential lenders. So, as long as you stay within your borrowing means, then the loans will not lower your fico score---except for the inital credit check to open the accounts. Also, timely payments are a must...no loan is good for your credit if it isn't being paid on.