 Secured Credit Cards? |
I just opened last week 4 secured credit cards with $300 credit limits each. I need to repair my credit...
If I charge $10 on each monthly then pay all of them off monthly and keep doing ... |
|
 Do those debt consolidation websites really work? |
| My boyfriend is around $17,000.00 in debt. He almost signed up with one of those debt consolidation companies online. What they told him to do in a nutshell is to pay them X amount each month and not ... |
|
| Credit card interest rate jumped to 30%! Why? |
| My husbands Washington Mutual credit card jumped to 30% interest. We have never been late on a payment and we pay way more than the minimum in order to pay it off. Right now the balance is $423.00 (... |
|
 My nephew has a bunch of bounced checks? |
| He has bounced about 5 checks and has no money to put in the bank to cover what he has written + fees and such. He has no job, so no way to pay them back and none of the family is willing to loan ... |
|
 Is it a good idea to take out a small home equity loan to pay off credit cards? |
10000$ to consolidate 7000 in debt, the going interest rate is 7.5 % we are currently paying between 13%-23% on the cards
Additional Details
the remaining three thousand will go torward ... |
|
 Am I responsible for my girlfriend's credit card that is in my name (she is additional cardholder)? |
Her name is actually on the card... If we break up and she does not pay it, can I go after her legally?
Additional Details
She has a totally separate card eventhough she is on my account ... |
|
 Go bankrupt or not pay? |
| im not sure what bankrupsy is everyone tells me don't do it. bc i will still have to pay it back. but right now im not paying on my credit card debt. so do it or just let it keep racking up?... |
|
 What credit score should I go by? |
| transunion experian and equifax all have different scoring methods. which one is most accurate when it comes to what a creditor will look at...? So basically is the equifax score closer to what a ... |
|
 Who here is getting sick and tired of 'where is my rebate' questions? |
| I just wish some of these people would at least read some of the answers pertaining to the rebate before asking the same question over and over.... |
|
 I'm confused...do I need credit card...help? |
| I have recently moved to US (legally :-) ) and I have been watching a lot of shows (while I'm home with my baby) and I'm trying to find out what's the best for me...the only one thing ... |
|
 When I move, how do collection agencies get my new address? |
Additional Details
I got no utils, its a rented room in an established company.
My bank account? <-- my ... |
|
 Can someone help me get a loan to pay-off all cedit debt that I owe? |
| I do have a job but may credit is extremely bad and I need to turn that around please help me.... |
|
 How do I stop a bill collector from calling my number, they have the wrong number? |
| Companies have been calling my number for a person sho had the number before...fair enough...but it has been a year since I got this number. The same companies are calling. I have threatened to ... |
|
 What should I do if the billing department keeps harassing me? |
| I was the passenger in car accident last February. i went to the hospital to get checked out and I was fine but just for looking at me and taking an X-ray cost 277.00. The insurance company of the ... |
|
 We are drowning in debt......dont know what to do? |
| We have been hit so hard with car problems, hospital bills, medication, etc. I have bipolar disorder, and also fibromyalgia, my boyfriend has a terrible back problem and has had to miss tons of work. ... |
|
 Why is it when you want a "free credit report" its never free? |
| all i really want is a free credit report, not anything to do with a credit card, if i had one i wouldn't need a credit report.... |
|
|  |
ldeering4792 | After paying off a credit card what is the best thing to do, cancel or no? |
I just paid off credit card and don't know if I should cancel it or if I shouldn't. |
 |
 
stef
 |
Cut it up!!! perform a 'plastectomy' as dave ramsey calls it. you should go to daveramsey.com for any financial information. he is the most trusted man in finance in the nation. he has a talk radio show and is getting a show on Fox I think. He says"act your wage"!!! |
|
James1982
|
Call the company, tell them you want to close the account...most of the time, they will negotiate to keep you...then, ask for a much lower rate. |
|
robert w
|
if paid off - close it . use certified mail to close it officially. u would not leave sleeping snakes in ur house would u?
visit daveramsey.com to learn the hard lessons the easy way - from others mistakes. |
|
lt_gunz
 |
If you have another credit card which you can use as an emergency card, then you can decide which card to keep. For the best credit rating, it is recommended that you keep the credit card you have the longest history with. So, if you have a card that you've had for 10 years, keep that one versus the new card you just got last month.
Also, if you plan on using the card, it is best to keep it open, rather than closing it now and re-applying again in a few months. Most credit card companies won't open a new account if you've had one in the last 6 months. Also, any history from your first account will not affect your new account, so you may be worse off credit-history-wise. |
|
JB
|
Close it. You're out of debt, so stay that way. |
|
crazymom617
|
You do not have to cancel your account just because you paid it off. The only reason you would do that if it is practical for you to cancel it. Do you have to many cards? Is it a department store card vs a credit card company? If it is a dept. store you will never get a good interest rate -- cancel it. There's alot of competition in this market now and if you paying a high interest rate get rid of it. Otherwise, hold on to it in case of emergency and pay it off every month so you don't have to pay interest. |
|
~Kim~
|
Keep it just in case. You could also charge something cheap and make the minimum payment every month to help establish your credit. It's much better to make payments instead of paying it off completely. Or at least pay half one month, and the rest the following month. |
|
mik2222001
 |
keep it.
sometimes emergencies come up. whether it be a household emergency ie: tv fails, heating system etc. family emergency where there is a death or illness and you have to travel. things like that always happen when you don't have a pocket full of cash so having back-up like a credit card with a zero balance is a very good thing to have. i have one that i don't touch just for those reasons. |
|
Flo999
|
you should keep at least one open.if your close cancel your account it will affect your credit score.even if you acount has no balance |
|
Bob D
|
It depends. Do you have alot of credit cards? If no. Then use it monthly and pay it off. That will keep your credit rating in good steading and make it better. If you have lots of them, greater than five, close it. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 37 minutes(s) ago
| | | |
10 | 42 minutes(s) ago
| | | |
10 | 49 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
10 | 6 hour(s) ago
| | | |
10 | 11 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 6 day(s) ago
| | | |
10 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
