If you want our take on no credit cards, don't leave yet. When you return merchandise or pay more than you owe, you have the option of keeping the credit balance on your account or requesting a refund, if the amount exceeds $1.00. To obtain a refund, write the card issuer. The card issuer must send you the refund within seven business days of receiving your request. Complete info about no credit cards may be helpful.

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Considering something about low interest credit cards, for more information read the following. In your notification letter, include your name, your account number, the amount of the suspected error, and the reason why you believe that the bill contains an error. The card issuer, in turn, must look into the problem and either correct the error or explain to you why the bill is correct.

The account will appear on your credit report, and may appear on the credit report of any "authorized" user. However, if you live in a community property state (arizona, california, idaho, louisiana, nevada, new mexico, texas, washington, or wisconsin), you and your spouse may be responsible for debts incurred during the marriage, and the individual debts of one spouse may appear on the credit report of the other.

Credit scoring models are complex and often vary among creditors and for different types of credit. If one factor changes, your score may change-but improvement generally depends on howthat factor relates to other factors considered by the model. Only the creditor can explain what might improve your score under the particular model used to evaluate your credit application.

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