Banking 101

[TaCoMaStUd]

Hey guys, I use to work for a bank, i worked there for over a year, i know allot obout banking info, i can answer basical general banking questions.

So if you guys have any banking questions, just ask me, i will try my best to answer them for you.

[xsilent_watersx]

how can a student with no credit history get a credit card?

and if they can, which cards are best for students?

[TaCoMaStUd]

how can a student with no credit history get a credit card?

and if they can, which cards are best for students?

well i got my 1st credit card when i was 19, and it was a "student visa"

the bank i worked at also offers a student checking account which could also possibly qualify them for a student CC

what i recommend is go on ur local bank's website and see if they offer anything of that.

i hope that answered your question

[TaCoMaStUd]

also vishnu i forgot to mention this

but u can also get a CC under your parents, as a secondary, and if you pay your bills and everything, it will look good on you and then after 6 months to about a year you can go and apply for a credit card on your own

[TaCoMaStUd]

bump

[reaz]

I've gone through the Auto Loan process with a bank. How is a home loan any different? I dont plan to buy but I do want to know what the process is? Would you know about this?

[TaCoMaStUd]

I've gone through the Auto Loan process with a bank. How is a home loan any different? I dont plan to buy but I do want to know what the process is? Would you know about this?

honestly i dont know how that works, because our bank did all kinds of loans besides mortgage loans, because there was a totally seperate department for that. But i would assume the process would be similar and maybe a little bit of a difference.

[Aurovon]

I've gone through the Auto Loan process with a bank. How is a home loan any different? I dont plan to buy but I do want to know what the process is? Would you know about this?

You should buy a house and share it with roomates. Let them pay most of it.

[Aurovon]

Those of you interested in learning more about credit cards, here is a good credit card forum:

http://webgroups.biz/creditcardperks/phpBB2/index.php?sid=99daee15398095f2769d296eb39503a0

[bollymastah]

How can i get a private medical student loan without a cosigner or good credit??

[TaCoMaStUd]

How can i get a private medical student loan without a cosigner or good credit??

i would assume that it should be easy for any student to get a student loan, so i reccomend going to ur local bank or go on there website and look for the minimum requirments, and your credit has allot to do with it, so i dont know if you would quilify if you have bad credit, ask a personal banker maybe they might know any way to get you one, and if they could, expect your interest rate to be allot higher.

[Ketamine-Abuse]

How do you write a cheque?

[NYC101]

how can I rob one and get away with it?

[Ketamine-Abuse]

What avout paying a bill? How can a bank help me pay a utility bill?

[Ketamine-Abuse]

Whats the best pin number?


alwsl

[Ketamine-Abuse]

Am I allowed to drink very hot coffee in a bank?

[ezbreezyfresh]

Am I allowed to drink very hot coffee in a bank?

:rofl:

wierdo!

[ezbreezyfresh]

hows capital one??

[AnGel_PyAr]

wut are some robbery techniques; safest way to rob a bank and not get caught :p lol jkz

[TaCoMaStUd]

hows capital one??

LOL u called me at 4 am for that!!!!!!!! :slap:

[TaCoMaStUd]

wut are some robbery techniques; safest way to rob a bank and not get caught :p lol jkz

anita ur a gurl so the fastes way to rob a bank is just flash at the bank they will give u all the money

plus its safe and ur using no weapons

and if u do get caught ur gona talk in punjabi "oye ki hoya? marjane oh menu ni pata aah!!!!"

[SexyTemptress]

mutual funds....how do they work? do i have to pay a fee to the banker? i want to put money in the mutual fund for no more than a year, b/c i like liquidity...so what are good mutual funds that i can get for a year?

[TaCoMaStUd]

mutual funds....how do they work? do i have to pay a fee to the banker? i want to put money in the mutual fund for no more than a year, b/c i like liquidity...so what are good mutual funds that i can get for a year?

honestly i dont know that much about mutual funds, i would ASSUME that they work similar to a CD(certificate of deposit) where you put an X dollar amount for an X period of time before you can do anything with it, and accrue interest in the process, but like i said i'm not sure, try going on your banks website it might more info than me

[Alright De$i]

Questions:

I need a proffessional studies loan - which is the best one?

If I have alot of money 10grand how can I invest it safely for about 1-2 years, and earn alot of interest?

[TaCoMaStUd]

Questions:

I need a proffessional studies loan - which is the best one?

If I have alot of money 10grand how can I invest it safely for about 1-2 years, and earn alot of interest?

no student loan is the "best" if ur looking for a good interest rate then i strongly encourage you to go to your local credit union they offer the best rates on loans

i would reccomend opening a CD(certificate of deposit) you can earn allot of interest in those, depending on where you get it at(shop arround banks and see which one has a higher interest rate and go with those)

[AnGel_PyAr]

anita ur a gurl so the fastes way to rob a bank is just flash :Puke::no:at the bank they will give u all the money

plus its safe and ur using no weapons

and if u do get caught ur gona talk in punjabi "oye ki hoya? marjane oh menu ni pata aah!!!!"
:rofl: ahahaha ur tehe best!!!!!!!!!!!!