 Do personal loans ruin your credit? |
| Can taking out a large personal loan of between 5-8000 dollars have any effect on your credit score?... |
|
 Has anyone heard of or dealt with Eric Smith (eric_loan)001@yahoo.com? |
| I am thinking about applying for a loan from Eric Smith. He is asking for a non-collateral deposit of 2.1% of the principal loan amount and states that this is legal as stated in the Amended C... |
|
 How do I protect my unborn child's credit from his irresponsible dad and grandad who have the same full name? |
| My husband John Smith II had his credit ruined by his father John Smith I. I am pregnant with a boy now and want to name him John Smith III but don't want the same thing to happen to my child. ... |
|
 I need help in payday cash advance loan, plz? |
| I need some cash advance for emergency, somebody tells me a loan company that can lend me money like hundreds pounds??... |
|
 BANK OF AMERICA check? |
my aunt in another state sent me a check in the mail for 1000 well....
i dont have a bank account and dont wanna start one quite yet, is there any other way to cash it?
Additional Details
|
|
 Has anyone tried freecreditreport.com? |
| Just wondering if they are legit or if they will steal my personal info or sell it.... |
|
 ARE there any real online lenders out there that give loans to people with poor credit? |
| Jeff Norerts? does anyone have anything on him? I got scammed once and i wont again but I need a loan immediately my life depends on it. If anyone can help me please do. If any of you scammers write ... |
|
 Credit disputes question? |
I know this sound's bad, but can you dispute acounts on your credit if it's realy your bill, and if so what is the best way to do so?
Additional Details
THIS IS TO THE ONE WHO&#... |
|
| What credit card should I get? I just turned 18 & I'm in high school, but want to get some credit history... |
| I'm not sure what credit card I should get. I want to get some rewards like rebates on gas, but since I've never had a credit card before I would probably not get accepted (or not?). Does ... |
|
 Credit cards? |
| anybody know any websites where i could apply for a credit card with a poor credit rating?... |
|
 $1600 Credit Card Debt.... help please? |
Alright, so I've been bad with my credit since the beginning of my last relationship. Brainfart.
Anyways, so my credit is fairly bad and I really want to get myself out of debt but ... |
|
 Getting paid? |
| If our company gets paid on the 15th and last of the month. When those days fall on a weekend we get paid that friday....so if new years eve is a holiday and falls on a monday do i get paid on the 28... |
|
 If i leave the country with debts can i still be chased abroad. can i leave debts here and start fresh.? |
| I was left with debts when my business failed two years ago. my ex buisiness partner hasn't paid any of the debts but we're jointly and severably liable. I have the opportunity to leave ... |
|
 I never had a credit card.? |
| I never had a credit card but I need to get one for emergency use only. Every time I apply for one I am denied. I dont think I have any credit history. Can someone tell me what site will approve me ... |
|
 What credit card is the best for a first time credit card? |
| I'm am going to be applying for my first credit card. I will be working for a family member and I will be shipping stuff via fedex. I can use my bank card but I want to start building credit, ... |
|
| Bankrupt! Need a debit card!? |
| I know a friend who was declared bankrupt 5 months ago, and he would really like a debit card for shopping online etc. Do u know of any banks that would issue one?? P.s not concerned about overdraft ... |
|
|  |
mimi | 23.99 APR for a credit card |
I'm just starting to get a credit card so I don't know much and want to start out little. It is a 200 dollar limit with 23.99 APR. So if I spend 50 dollars, how much more are they going to take out? |
 |
 
Melissa
|
AHHHHHHHHHHHHHHHHHHHHHHHHH! Ouch what a horrible rate!
Go to your bank and talk to someone there. If you've been a customer with them and in good standing for a while, they'll have better options and can answer any questions and teach you about credit. |
|
Aimee B
|
That's normal for you first credit card. Pay it in full every month and then they can't charge you interest. |
|
☮, ♥, ☉☉, & ☺
|
Your credit must be in the shìtter, because that's a horrible APR. |
|
Monica A
 |
If you pay your credit card bills in full and on time then APR does not matter. Otherwise you will have to pay late fees, financial charges and interest charges. |
|
taterbug5252
|
That is a pretty high interest rate. But, that is per year so if you only have the 50 and don't pay it, in a year it will have increased to aprox. $90. The point of credit cards is to gain credit. Pay off your balance every month and never use more than 1/2 of what they allow you too (100). |
|
Craig T
|
If you pay it off every month, the APR really doesn't matter.
In order to get better cards/APR, you need to pay off your balance every month. If you use and pay off the card any time you use it you will build a positive history and get offers for cards with lower APR and higher limits.
I started off years ago with a card with a similar small limit and high APR By using it and subsequent cards responsibly I now have several cards with high limits and low APR's |
|
PJ
|
Your card holds a high APR. I suggest you use it only in an emergency and pay off the balance when you get the bill. Don't be late with a payment, they will up your APR. It really hurts to give out extra money to the credit card companies when paying them back. Be responsible and wise, you'll be glad you did! |
|
serendipity
|
That is high APR, if you spend, you should definitely pay it off as soon as possible and don't only pay the minimum because most of that will go towards the interest. |
|
Mike K
 |
If you spend 50$ and dont pay the entire 50$ when your payment the $50 will now become $61.99.
Ouch....that sucks....but it is your first card. you might want to try and apply for a lower intrest credit card. Here are a few cards you might want to take a look at
http://www.easy-creditcard.com/low-interest-credit-cards/
|
|
itsmissjackson
 |
23.99 is high. If you spend $50 and when you make your first
payment, the majority will go toward the interest only
John 17:3, Psalms 83:18 |
|
Chris S
 |
Well to be honest with you 23.99 is a very high interest rate however it won't really seem like a lot since your credit line is only $200. And if you spend $50 and say you paid $10 a month for 5 months, you would pay approximately $5 in interest because $50 * 23.99 = $11.99 lets just round up to $12. That's $1 a month...
And that person that said $90 doesn't know what shes talking about. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 31 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
11 | 2 hour(s) ago
| | | |
11 | 5 hour(s) ago
| | | |
11 | 9 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
10 | 6 day(s) ago
| | | |
6 | 1 week(s) ago
| | | |
10 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
