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i would like to know what is a good apr rate, and what does apr mean? is that the interest?, and i'm new to credit, anyone know a good online place where to get a credit card like mastercard, ...
I cant afford it, Can I settle later and save my credit?
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I have recently started looking for the best credit card for me to pay for a couple semesters of school and a little bit of automotive work. I plan on doing an auto pay. The credit card i'm ...
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I have about 12k credit card debt they i have not paid in about 5 months and aprx 35k school loans. I was out of work and unable to pay my bills so the intreast killed me(cards started at 8k), I ...
Mom2Squishy
Buying new car but first.... should we pay off car loan or credit card?
We are going to buy a new car in the next couple weeks (a TrailBlazer SS). My car is currently paid off. My husbands car only has 3 payments left on it. I can pay it off now or apply that money toward a credit card. We will still be able to make the car payments on both cars if we use it for the credit card.
But, which would be better for getting a car loan? No car loans or a lower credit card balance with one remaining car loan?
Auto finance is what I do for a living and I would pay off the credit cards. This will look better to the lenders when you are submitted.
OC1999 has a valid point by the time the credit bureaus update after you pay off the credit cards it's going to be at least 45-days considering that it's almost the end of the month now. You might want to wait until mid August to be sure that the credit bureaus have had time to update. Also the new models will be out by then and dealers will give you a better deal on the left over 2007's in stock.
Gretch
Pay off the credit card and drive both of your cars until the wheels fall off. Then use all the money you saved to pay cash for a slightly used car. Stop the madness.
beauty s
Yes, u don't want more debt.. Pay off your debt and the get a car... Good luck
OC1999
You should pay off the Credit Cards first, as these I imagine have the higher interest rates. However, it can take up to 30 days or longer for your credit report to reflect any changes. So even if you pay your accounts now, it is unlikely that it would be on your credit report in a couple of weeks.
Not knowing your exact reasons for getting a car in a couple of weeks you may want to wait. It sounds like you have 2(hopefully working) cars already that should make it at least 3 months. This way just wait until the 3 payments are done as well as paying down on your credit cards. Then you will have even less debt and the extra money you would have used for the new car you can save for a bigger downpayment or pay more on your credit cards.
Bronwen
The general rule is that you should pay off whatever has the highest interest rate first.
You know what the interest rate is on each of those. Pay off the highest interest rate one first. I would imagine that would be the credit card, but only you will know that for certain.
Good luck.
netwiz24
use whatever has the lower interest. Pay off the higher one first then use that payment to double up on the other reducing the length of time you have to pay. This will save you money on interest.
queenbz6969
PAY CARD OFF/ DOWN FIRST! it will lok better when a credit report is pulled;plus its has a higher intrest rate than the car
maedaze810
Well, the interest rates on cars are generally cheaper than those of credit cards. If it were me, I would use the money to pay off the credit card (unnecessary debt that is just costing more every month). Hope that helps
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