 Is this a scam or real. I need to know? |
UNITED STATE PARCEL SERVICE BENIN .
Rue 105 Akpakpa Way,
Cotonou Bureau Office
Republic of Benin
Tel/Fax +229-93-046-557
E-mail: uspservice2003@yahoo.fr
web: www.... |
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 I NEED Credit Card Advice? |
| I already have 1 credit card w/a $500 limit, through my bank. which is helping me re-establishing my credit now. I got it this past June. I pay way more than the minnimum payment. I have ... |
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 Has anyone here maxed out a credit card on purpose? |
| In other words, spend left and right knowing that you were maxing out?... |
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 Do you think i could build my credit in 11 monthes? |
I'M not looking for my credit score to be perfect but at least 600-650 can any one help me
Additional Details
I have no credit but just got my first credit card need to build my ... |
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 Can i be held responsible for a dead persons debt? |
| i used to drive the car under someone elses name, but i gave it back and now the repo man wont leave me alone. the owner has passed and they cant find the car.... |
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 If I just opened a bank account and I have like only $5 in it and I overdraft $3000 from an ATM, can I do that |
| If I just opened a bank account and I have like only $5 in it and I overdraft $3000, can I do that, and if I do how long do I have to pay it back before I go to jail?... |
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 What credit card should I get? |
This is what I want:
1- Low interest rates. (although I plan to pay it off every month- so does everyone else)
2- Low credit limit. (I don't plan to spend much, and I don't want ... |
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 Garnish Wages? |
| I was just wondering if you have your wages garnished can that be undone or are you stuck with it until its paid off. My friend said hers was undone. I was just wondering if that was possible?... |
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| When a parent dies are the children responsible 4 their debt if no co-signing was done?? |
| mother passed away with debts (credit cards, personal loans) she did not leave a will, she had no assets to her name (home, car) lived with me for awhile now creditors are calling me to pay off her ... |
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 I need $10,000. I'm behind in bills can anyone help me? |
| I need $10,000 because i been out of work for 3 weeks because of a knee injury. I don't go back to work until the begining of september. I need a loan to pay some bills until i go back to work. C... |
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 Credit Card or Debit? |
So im ordering a pizza online, and they ask for a credit card, or cash. can i still pay debit?
... |
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 Credit cards for people with bad credit? |
| I want to know the websites of places where I can apply for unsecured credit card for people with bad credit. I know about tribute, salute, rewards660, continential finace, orchard bank, and first ... |
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 Having a really hard time. Finally got out of debt 2 months ago and the urge to? |
| spend again is immense! Just don't want to get back in debt. Sorry not really a question but need to tell someone!!... |
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 Loan or Cash/Payday Advance?? |
| Which is better, to get a loan or one of those Payday Advances? I only need about $200, but I only make about $100 a week, so I would need a couple of weeks to pay it off...what is the difference ... |
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tricia r | Building credit...What is the best way to pay for credit card purchases ?? |
1) Should I make small purchases lets say 100$ a month and
pay it off in full upon billing ?
2) pay full balance before i recieve my bill ?
3) make the minimum payment only ? |
 |
 
amkornele
|
I'd divide your small purchase into 3 payments. You need to establish a payment history. Paying off your balance in full may not help as much. You need to let your creditors see that you can handle monthly payments. You should try not to spend any more than 35% of your available credit. Your credit score is based on your payment history, your used credit to available credit ratio, the type of credit you have, the age of your credit and the number of inquiries on your credit. Hope this helps! |
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PraiseBob
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Option #1 is definitely the best.
There is no benefit to paying the balance before receiving the bill.
Making the minimum payment only is the sure way to the unending debt cycle.
Using the card as a convenience rather than a way to make ends meet is the responsible way. If you use your card for regular purchases such as groceries and don't overspend you can pay all of your bills in one shot at the end of the month, plus as an added bonus at the end of the year many cards will give you an itemized activity statement that will show you exactly what type of things you spent your money on. Some cards won't even charge you interest on your monthly purchases if you aren't carrying a balance.
The exception to the pay it all each month rule is when you need a big ticket item such as a new sofa. Just be sure that you are able to pay a reasonable chunk for the next couple of months to get you back to the point where you aren't carrying a balance (and paying large interest fees). |
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dinakerrigan
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To build credit, only put on your credit card what you can afford to pay off right away. |
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echo
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Never just make a minimum payment if you can help it. Always try to pay in full.
You don't have to have action on the cards every month either. If you are just trying to build a credit history and really don't want to make purchases, buy a tank of gas or a pair of jeans.
Then stick the card in a drawer for 4 or 6 months and then pull it out and do the same thing.
You can either send in your payment when you notice it cut on the cards online website or pay when you receive the bill.
edited to add: the only cards that you should stretch it out with payments, is the cards that you have a 0% interest rate on. And then only stretch it out for several months. |
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Arnold M
 |
You'd do well to pay off the bill in full when you get it. The credit card companies are looking for responsibility, not your money. In other words, can you handle the responsibility of 'charging' credit or does it run away from you? building up each month with little to pay it off?
However, don't be afraid to pay some interest. If you are young, and can pay consistently, even paying some interest charges, that's ok. As you get older, and your credit is established, you can pay it off in full to eliminate the interest charges.
Good luck. |
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Avignon_11
 |
Pay in full and pay on time. |
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Joseph, II
 |
Do #1 as often as you can; & #3 as seldom as possible (#2 kinda defeats the purpose of building credit). |
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tonevault
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Spend ONLY what you can afford that month, and pay it off in full when you get the bill. Don't ever spend more than you can pay off that month. |
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sawmill
 |
I wonder if "haunting skull's " answer was understood by anybody.
Pay your bill off in full as it comes due. minimum monthly payments are a trap and hard to get out of. If you need more money than you can reasonably expect to pay back in 30 days---use a bank and be realistic in your decisions. Good bank credit is very much a plus. |
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kvuo
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What are you building credit for? |
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buddyvinz
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3. make necessary payment
otherwise d function of CC is not servered.
if u can do full payment y do u use ur card in first place. if u hav hard cash. |
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PiccChick12
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Don't spend more than you can afford, and pay it off each month. I have been doing that since I got my gredit card (about 2 years) and they have raised my limit from $3700 to $8700. Besides, interest rates are high! |
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John m
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just keep your card active and do not have a balnce over 30% of your limit. Example 1000 dollar limit should not exceed 300 dollar balance. As long as you do that and make your payments on time you are good. |
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Michael S
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pay the full balance off each month is the best way to build a good credit history. |
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