 Is it easier to get a home loan with bad credit if you have 20% to put down? |
I own a home now, but want to move. My credit has gotten bad since my last home loan. I would have at least 20% to put down on a new loan, do you think I could find someone who would finance me?
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 Credit issue? I am doing the best I can...trying to pay off credit cards, bills, etc. Its not enough...Help? |
| Been through a lot of Financial problems...divorce...ex not paying support and medical bills on time...credit was fine before and am responsible ....now struggling to even live...I pay as much as I ... |
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 Want to start building some good credit.? |
| What are some good credit cards for people wit no credit? and want to establish some credit.... |
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 Did they just ruin my credit rating? |
I only had a credit card for about two months. I've been using it very responisibly, trying to build a good credit score.
Two weeks ago, I went out and bought a new used car, with my ... |
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 Question about ordering online? |
| i was just wondering how safe it is to order online. i'm kind of paranoid about giving my personal info such as credit cards and what not , are there any other ways i can do this? unfortunately ... |
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 Would canceling my credit card be wise if....? |
| I still have a balance on it. I've learned the hard way that credit cards aren't very nice. I want to pay it off as soon as I can but would canceling them now before the balance is paid off ... |
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 How can I...(credit card/debit card question) |
| How can I resive instant payments on my debit card, for someone else credit or debit card for my online bizz without pay pal?... |
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| Morrisons Receipt...? |
| Hi I stayed at a hotel last night, and I accidently left a till receipt in the hotel room & checked out. The room wasnt booked in my name. The receipt had my card number as I made some ... |
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 Why do people charge up more credit card debit than they can pay? |
Not people who get in a bind and have to use credit to survive for a while, but people who just buy material stuff that they really don't need.
Additional Details
I don't do ... |
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 Does credit denial cause your score to drop? |
| I was needing to know if you apply for a credit card and you're denined, does that make your credit score drop. And if it does how many points will it drop?... |
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 How does a 28yr old with no credit history start establishing a credit history. Applied for 2 cards & denied!? |
| Applied for two low end cards and was denied. Will someone give me a chance? Don't really want to get a "secured" card.... |
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 I have a lot of credit card debt close to $50000 from my business. What are some ways to clean this up? |
| My business is still in the growth stage but we have racked up debt close to $50000 that is sitting on my personal credit cards. Should I transfer that debt to a large credit line under my company ... |
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 What might this do to my credit score? |
| I have a card that is paid off and compared to my other cards, it's limit pales in comparison. I want to close it. However it is one of two oldest accounts. The oldest account has a limit 4X ... |
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 Discover Credit Card? |
What are some of the benefits of having a Discover card?
Anyone have any experience having one?
PROS/ CONS?
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 Credit Report Question? |
How long does the following information needs to stay on the report?
* Accounts that are paid for as agreed
* Charge off ... |
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 How old do you have to be to have a credit card? |
the title is self explanatory
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can my mom get me one?... |
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soccerslack | Can I use a credit card to pay off a credit card with no fees? |
If this is possible then essentially one could borrow money for a time at no cost. Just pay off card A with card B before interest is owed. I realize that of course the original money would be owed but I could use it for a time for free and shuffle the debt back and forth. I doubt the credit card companies would let this be possible but am curious so please enlighten me. thanks.
Additional Details
thanks to everyone for your input...I guess should clarify I don't have credit card debt at this time I was just wondering if credit cards could could be a way to get interest free money by transfering the debt on time from card to card and then put the money in a GIC or something and make interest but still have the principal on hand to pay back at anytime but hopefully not for a while if I could transfer indefinitely. I am sure the credit card companies prevent this somehow otherwise lots of people would do it! |
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bdancer222
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There's usually a transfer fee of about 3% and the money could be considered a cash advance which would result in a higher interest rate. |
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koiboy
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Most credit card companies will give you checks with the bill to use to pay off your other bills. You could in effect pay off a credit card bill with one of these checks and the balance will be transferred to your new credit card...hopefully with lower or no interest on the balance that you transferred. |
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stan c
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If you get an interest free credit card and you want to pay off another card, you have to call the credit card co and tell them the company name and account # and they will pay it off. As stated there is a 3% fee with a max of $75.00. If you do it as a cash advance, you will pay higher interest |
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T-Bone
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I don't how good you credit is but if it is good enough this is how you do what you want to do. Apply for a credit card with a intro 0% APR on Balance transfers. You will be charged a fee. It have a max of about $75 most of the time. which is not bad it the intro rate is good for 6 months or more. When this intro rate is about to run out just apply for a new card. There are some things that you must do. Don't miss a payment, don't even be late with a payment, and don't go over you credit limit. If you do any of these things the credit card company will jack up you interest rate. Well this is how I paid off my credit card debt. |
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worldpeace
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you could do a balance transfer which most of the time offer you 0% up to a year, check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side. |
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tw158
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Yes, there are still a couple of card with o% balance transfers and no balance transfer fees. But these offers are becoming harder and harder to find.
You don't want to be transferring constantly, but it is OK to do in moderation. |
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shhbanvar
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Yes you can it's called balance transfer.
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http://www.bestcreditrates.net |
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saberhilt
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I'll go you one better, find a cc who is offering you a 0% on transfered balances. This way you could swap it from card to card on more of an annual basis, rather than monthly.
You'll have to make minimum payments, but you'll be paying directly against the principal rather than money being absorbed by the interest payments. |
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