 Credit Card Fraud? Please help!!? |
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 Job centre crisis loan? |
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 Can someone tell me the consequences of going bankrupt? |
| I'm in too much debt and unable to pay it all and can only see the way forward is bankruptcy, not sure on how to do it and i dont no the full consequences of doing this. can anyone help?... |
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 Free Credit Report? |
| I keep seeing the commercial on TV about freecreditreport.com, but then it asks for your credit card number for some kind of charge. How is that "FREE?" I will not give them my CC number ... |
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 How did someone get my credit card account number? |
| my credit card number has been used by someone. How do people get these? I have never ordered any thing online with this card, in fact I rarely use it.... |
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 I need a personal loan of $5000. My credit is bad. Don't want anything from overseas. Any ideas for me? |
Any type of loan will help. If needed, I can pay it back in a year. I just need the money for school and to fix my car. Like I said, I don't want anything from overseas.
Additional D... |
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 When approved for a credit card are you supposed to send in a payment for the card? |
they sent the letter stated i was approved and to send 34 dollars for the card to be sent to me...just making sure im supposed to
Additional Details
the bank is bank of ... |
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 Can a prepaid credit card help reestablish my credit? |
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 Debit Card Disaster!,... HEEEEEEELP!? |
| ok, Here's the thing. While on vaccation My husband bought a ticket with is Visa Debit Card. The clerk made a mistake with the flightplan and told us she would cancel right away. Then she ... |
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 50 Point FICO score drop? |
| I just checked my FICO score (I am provided my score every month from my credit card company) and it dropped 50 points in one month. I haven't opened any new accounts, missed any payments or ... |
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 If I payed at least $5 on the two credit cards I have in collections would it help or hurt the card? |
| I have two credit cards in collections that I am trying SO hard to pay off. I want no debt! A lady suggested that even if I pay $5 it's still a payment, and they can't do anything more. Is ... |
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 How do I find out who to pay when I'm trying to pay off my debt? |
| I have a few accounts that are currently in collections that range from store cards, credit cards, and bills....but since they're now in collections, how am I supposed to know who I submit ... |
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 Spouse cosigned for bro. said no more than $500 now debt is over $5000. what can we do? bro wont pay? |
| we did not know brother had gone over limit we verbally agreed to. we have tried being nice. he wont pay. husbands credit is going down fast. can we sue? what do we do?... |
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Whitney M | Are my Credit Cards being fair?? |
I just called to ask my credit card companies to lower my interest rate, and they said they can't do that until I get back into my limit. I am only 200 dollars over my limit on both, and my debt is under 2k total. This is nothing compared to most people, and this happened to me because of a family emergency. I am not irresponsible, and I want to pay this off without the interest rate being so high. Is this them bullying me, or does this make sense? I understand I am over my limit, but I am trying to make the right move here and pay it off! I have never had to do this before. I have always paid on time and been a good customer. |
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heybulldog
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cancel the card.
Credit card companies make all the rules and change the rules anytime they want.
Dont worship at the alter of the almighty fico score.
Debt Free is Definitely the way to Be! |
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Kourtnie D
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Welcome to the wonderful world of credit. Creditors don't care about your personal situation and many times will not work out any issues. This is a very normal situation your in.
Kourtnie
Prosperityfinancial.org |
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Judy1
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It's fair for them to expect you to live up to your agreement and the terms of your contract. |
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SPIFIMAN1
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Sorry, but I have to agree with the credit card companies, until you get your balance well below your limit and show that you can keep it there, you have not earned a lower rate. |
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C T
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I hate to say, but honestly it is only fair. You signed an agreement that if you ever went over the limit the card issuer has permission to increase your interest rate and charge you other fees sthey see fit. Just try to get back under the limit as quickly as possible, so that you can negotiate your interest rate. |
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snowqueen_ink726
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No credit card company is going to give you sympathy because of personal problems with your debt. EVERYBODY says that whether it may be true for them or not. All they care about is making sure that they receive your payments. You have to understand that they are doing they're job and have certain regulations they have to follow. If they just let everybody lower they're interest rate when they ask there would be no point of having a set rate.
The only thing you can do is either get your finances straight and pay off that card if it's your highest owed and maybe get a second form of income to help you get back on track. Start budgeting and put any left over money toward a payment instead of building up your debt with additional fees.
If that doesn't seem to be an option for you then try calling one of those debt consolidation centers and have a representatives talk to the cc companies for you. Either way the debt is going to have be paid off to get your credit score back in order. |
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Iloveshane
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well no if your over your limit than your over it. it really doesnt matter by how much and if other people are over their limit by more. i was once over my limit due to unforseen circumstances and it sucks but it does happen. I just payed as much as I could to get under the limit. my min. payment on one card was over 200. so i got a second job waitressing. i acted like the money i made at the restaurant didnt exist and payed my entire earnings to my cards got back under my limit. my advise make multiple payments if you get an extra 20 make a cc payment. set up bill payment. one month i made 5 payments to my cc and now my cc are within 2 months of being paid off. once you are under then you can ask for your interest rate to be lower. i doubt they would lower it if you go over the limit. they are not bullying you...you went over your limit and now you have to pay for it. just pay as much as you can to your credit card. then they may just lower your rate after you get under the limit and explain your situation to them......just be nice about it.......... |
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grace
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well, usually when you sign credit card contract it says the interest rate will go up if you go over your limit. You can try reasoning with them and see if they'll help you out. If not try transferring your balance to another credit card at a lower interest rate. |
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Marysue
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Put yourself in the credit card company’s shoes:
You agree to loan someone $2,000 @ 20% interest. Somehow, they get an extra $200 out of you and then ask you to reduce the interest you’re charging them. Would you?
Sounds to me like the credit card company is being very reasonable. |
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