 How to apply for a credit card? |
ok... so i have a few questions about credit card....
1. what is the difference between a visa and a master card?
2. can i apply a credit/master card if i have no job?
... |
|
 What happens if I stop paying my credit card entirely? |
No BS here
We're severly in debt after my wife quit work to have our children be a stay at home mom 5 years ago. I work 2 jobs but its not enought. She has few job skils at any rate
T... |
|
 If you pay of a credit card, and then get a refund, what happens? |
| So I have a credit card with a fairly high APR with a $200 balance on it. If I pay it off completely, and then end up getting that money refunded to me, what happens to my account? does it make my ... |
|
 Is it illegal to charge a consumer more more if he or she would prefer to use a visa/mastercard over cash? |
I work for a company who has independent contractors that are always trying to get our customers to pay with cash vs. credit. I am wondering if this practice is illegal.
Our company ... |
|
 Could my wife be affected if i file bankruptcy? |
| We don't share any credit card and checking accounts, and the propety doesn't has my name on it.... |
|
 Do I need a credit card? |
| I just graduated from a graduate program. I have never had an actual credit card, just a bank account with a credit/debit card. My BF told me I needed to get a credit card to establish my credit to ... |
|
 Obama now wants to go after "predatory credit card" companies? |
| because they are the ones responsible for putting Americans into debt. In my opinion, Americans' lack of personal responsibility is what is getting them into debt. Keeping up with the Jones... |
|
 Credit check for a job? |
| i have been offered a job pending a credit report on myself so i cant get excited about the job offer because i might not get it. Can anyone tell me what type of debt they look for? i have been late ... |
|
 Does the average American really have 8 credit cards? ? |
| There is a debt consolidation company that has a commercial which claims that the average American has 8 credit cards in their wallet. I find this totally ridiculous, and hard to believe. Do you ... |
|
 How should i deal with my debt? |
| im currently with Scottish power for my gas and elec, and have been unable to keep up with the payments so have a debt of £915 with them(wont bore u with the details). They have now passed me on to ... |
|
| Should I settle my debt of pay it in full? |
| I am 10 k in debt and haven't paid on any of it for over a year. I know that if i make a settlement that it will show on my credit just as that and not paid in full. I think i can cut the amount ... |
|
 What does "Principle" mean when dealing with loans? |
It's hard to find the definition. I have looked it up before posting here, but can't find it.
Thanks in advance.
(I do vote best btw)... |
|
 When a credit card had "check ID" on the back, what do I need to look for on the license? |
| I know that the face need to match the person, and the name on the credit card needs to match the name on the ID. Is that it? Or do I need to check anything else?... |
|
 Hey can anyone tell me where i can get a loan for 3000 dollars please help? |
| hey im unemployed have good reefences but bad credit rating im after a loan of 3000 dollars does anyone know where there a website that will loan me the ... |
|
| â–º Whats the best way to build my credit? Right now I have NO credit at all? |
Im 21 and have NO credit.
Im also a college student and have no job (hence no money, lol). I graduate next year (May) and will need an apt and car, but right now I dont have any credit. What ... |
|
 I was served papers for an overdure credit card? |
Okay so I got served papers for an outstanding credit card debit.
The balance is now $6,000, but the credit limit qas $2,000. I had called the company several times to try and set up a ... |
|
|  |
Janeywaney | Advice on a loan? |
hi, im currently paying off a credit card of 3000 and a loan of 1000 (lloyds tsb) im not on a high income and im struggling with the repayments. im paying something like 120 a month. can someone suggest another bank or loan company where i can consolidate them and that has low interest rate?
thanks in advance
Additional Details
i understand there are a lot of sharks out there and thats why im doing my research first. |
 |
 
Paul W
 |
Keep paying what you can. Often consolidation loans offer longer terms and overall you end up paying even more back! Look at reducing your outgoings - check www.moneysupermarket.com for any bills that you can reduce for mortgages, car bills, utility bills etc. This is the only genuine web-site I would recommend and has helped me find innumerable savings. If you really MUST take out another loan: the ONLY place I would go is www.moneybackbank.co.uk This is run by Alliance & Leicester and offers the lowest interest deals. |
|
Shredsledder1389
 |
Go to the main and office and just say, "I'm done paying this." and if anyone tries bothering you, roundhouse kick to the jaw should take care of them. Trust me. |
|
James Mack
|
I would avoid consolidation loans at all costs (pun unintended). You will be paying off the debt for years and they are a blatant ripoff. Try one of the High Street Banks or Building Societies. |
|
Emma G
|
Have a look on http://www.moneysupermarket.com to compare rates.
I can tell you from my experience, Nationwide a good interest rate.
If you took a £4000 loan with Nationwide, over 5 years you would pay £91.19 a month, over 6 years you would pay £80.48 a month and over 7 years you would pay £72.96 a month.
The only way to pay less than £120 a month, is to take the loan over a longer period, which means you will end up paying more in interest.
Another option, which may be better for you if you can't afford to pay your monthly repayments, is to set up a debt management plan. Contact http://www.payplan.co.uk who offer this service free of charge and contact your creditors for you. |
|
halifaxed
 |
I can't answer your question directly but I want to warn you that consolidating loans is not a good idea. It is safer to have a dozen small loans and pay half one month and half another month. If you even pay a bit off each every month they cannot sue you.
Now with credit cards, you get fined for missing paymnets or not paying the minimum amount and in addition their interest charges verge on abusive. If you get a bank loan and clear the card debt at once, you will probably end up paying a lot less interest over say two years than by paying off the card over the same period of time.
However, it is not wise to consolidate the two into one big debt. If you can get a nationwide loan to clear the credit card, please do so, but don';t pay off the TSB loan all at once. Just keep paying it. |
|
stormydays
|
Stop paying them. If you are struggling go to the local citizens advice bureau and ask if they have a debt advisor available. They are legally qaulified employed by the government to get uk people out of debt they specialise in debt it wont cost you a penny.and they are on your side.
They will advise you to only pay priority debts...eg rent/mortgage...gas...elec..council tax. The credit debts are NOT priority The CAB will contact each one of them and offer a repayment amount monthly which you can afford. You will not be given a bad credit file for this because you will be paying.....but only what you can afford after the priority debts are met each month. |
|
lollyop
|
My husband wanted to consolidate his loan and credit card with lloyds tsb. When he applied for a new loan with them their APR was a ridiculous amount it would have worked out he would pay almost double back in a few years. We consolidated with Halifax and he now pays approx £100 less a month and not too much interest to pay back over the years. |
|
MANCHESTER UK
|
Oh dear!
Another one. Look very carefully before you leap into a contract with the sharks. So many companies are advertising their loans that look so inviting.
You have debts now, don't make them far too difficult to service in the future.
Call a Debt Management Consultant in your area. The CAB would help put you in touch but don't go headlong into any agreement with any provider before being counselled in debt management yourself. |
|
Sparky
|
Don't go to yet another credit company. Have a one to one with your bank manager and come to a compromise over payments, same with your credit card company. Then cut up your cards. |
|
John Loves Jenn
|
I'm posting this to warn EVERYONE on yahoo! abt Loan scams.
Beware of Advance fee Loan scams.
LOAN SCAM - Do Not Pay UpFront Fees.
Do not send money UpFront via Western Union or MoneyGram to any person or business in the UK, Nigeria or Canada in hopes of getting a loan. If you do you will learn a hard lesson & never see any Loan money. |
|
Vampir V
|
best is when you pay your credit cards bills as soon as possible.
and change your habits with money for the future.
otherwise you'll get the same problems soon again. |
|
Truth
|
you already in debt...why borrow more money and be in more debt.
people are stupid sometimes.
it amazes me |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 19 minutes(s) ago
| | | |
14 | 31 minutes(s) ago
| | | |
12 | 2 hour(s) ago
| | | |
13 | 6 hour(s) ago
| | | |
13 | 7 hour(s) ago
| | | |
11 | 9 hour(s) ago
| | | |
13 | 1 day(s) ago
| | | |
14 | 5 day(s) ago
| | | |
13 | 1 week(s) ago
| | | |
14 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
