 How do I negotiate with creditors over debt? |
| I need some direction, I have a few debts that I am going to need to pay off. I read that you can negotiate with your creditors a lower rate. How would this work, and has anyone ever had sucess in ... |
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 Does anyone know about capital one credit cards? |
| i've heard they don't report positive status to the credit bureaus. apparently they only report if you miss a payment or something so if you maintain good payment history then it won't ... |
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 My husband has spending issues? |
My husband, in the past week, has charged $2,500 on his credit card, for stupid things like a Nintendo Wii, the Matrix dvd's, a $100.00 haircut at Toni&Guy, etc. etc.
How can I ... |
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 I need a car loan I have a BAD credit score. I am a FT student living off of childrens ssi and child support? |
| FT student,unemployed mother,living off of children's disability and child support.Credit score of 419 nobody wants to help me out. There is no co-signor but my fiance has income that is usable,... |
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 Collection agencies keep calling me looking for someone else - how can I get them to stop? |
| I keep getting phone calls from collection agencies asking for a woman that I don't know and who has never lived at my address. When I looked her up on the internet, she has an address and a ... |
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 Help me!!!? |
| I am only 17 years old and some how someone was able to get my ss# and use it. well I weent to the bank to get a checking account with my dad as the co-signer and they said they wouldn't be ... |
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 What is the best card to build credit.? |
Please provide:
Link to Apply?
Name of Bank?
Type of card?
Yearly fee?
Monthly fee?
Why it will help my credit?
Your ... |
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 College student with huge debt from my boyfriend...help!? |
| My boyfriend left me with a $4000 cingular bill. It is way past due. I've been making many payments. I still owe about $1200. I learned my lesson this time, but meanwhile I don't know ... |
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 Debt Consolidation? |
| I have several credit cards, all of which have substantial balances (totaling about $14,000). I'd like to contact one of those debt management programs to see if I can consolidate my bills and ... |
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 Establishing and keeping good/great credit? |
| Hi! I'm 21 and new at this whole thing. I admit I don't understand much about credit and stuff but I am learning. My parents had/have pretty bad credit. The problem for them was a bunch of ... |
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 Harrassed by Bank of America credit card collection agent? |
| A women from the bank of america credit card collections agency keeps calling my phone calling me Amy and saying that my account is in collections and I need to pay if off! Well for one I've ... |
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 I missed my credit card payment with AMEX by 2 days, how bad will my credit score be? |
| Unfortunately this is my first card and my first month payment that I missed as well.... |
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 Is this some kind of joke? |
phoned a garage to buy a new car, i needed to borrow £4000 to buy the car i wanted so asked them to sort me some finance out.
they said the finance company will phone me back soon.
... |
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 Credit check? |
People say their credit is like 700 or something. How do i check my credit and what is good credit? How can i check it without paying stuf!?
Additional Details
I accidently payed 7.97 ... |
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 Job interview tuesday,why do they need a credit check?? |
| i have a great job offer,pay,benefits however they do a background and credit check.this is ridiculous,i'm ok with criminal bg check but why credit check? wouldn't be too good,my credit,... |
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User U | Can I make 2 or 3 payments on a credit card in a single month? |
Let's say I have a credit card with a balance to pay $500 dollars and let's say that is due on December 30th. Can I make a payment on the 20th and then another on 25th of the same month (December)? That would be two payments in a month. Is that OK? Would it hurt my credit score? Thank you. |
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GO STEELERS!
 |
Yes you can and no it won't hurt your credit score. I do the same thing sometimes if I have the extra money. Just make sure to pay before the due date Hope this helps! Happy Holidays! |
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Sheila
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Yes you can. The total of the payments does need to be the minimum due, made by the due date. It also does not pay you forward, next month the minimum due will be again. It will not hurt your credit. |
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Reign
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You cannot "prepay" on a credit card as you can with most term loans such as mortgages and auto payments. If your intention is to get ahead in payments so you do not have to make a payment the following month, you should wait until the next billing cycle. If you just want to make a payment because you have the extra cash, then you are all good! |
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mko
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Hi, I have a follow up question. If I understand what you all are saying, if I try to make my mthly pmt early (before the billing cycle), I will still owe a pmt when I receive the bill? Is there any way to designate it as my pmt for that cycle?
Thanks! |
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Vince M
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You can send payments as often as you want and in any amount you want.
But what you can't do is send a partial payment before the late due date, and send in the rest of the payment AFTER the late date and have it all count as an on-time payment.
And, if you do this a lot, it WILL affect your credit score because the credit card company will eventually report these as "late" payments.
But sending double payments is good, as well as sending double amount payments. In fact, this will SAVE you money in the long run because you will be paying down the principle owed, and you save a ton of money on interest. And this is ESPECIALLY true on those credit card bills who's minimum due amount goes down as your balance drops. They get you to pay less each month so that they can make more money on the interest you eventually pay, because with a lowering minimum payment, it takes longer to pay off the total balance. |
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Sara
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Yes, you can do that and no it won't hurt your credit score:-) |
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src50
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You can. It won't affect your credit score as long as you make the required total payment by the due date. |
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lexchen86
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Yeah! I do it as well |
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bobzills
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yes, you can make as many payments as you want. |
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