 Ebay paypal? |
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 Good 1st credit card? (plz read details)? |
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My credit score is 475 right now and I want to raise it to 800 before the end of this year. How would I do that?
Thanks.... |
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 How old does a debt need to be before you can no longer be chased for it? |
Additional Details
I am in the UK, I don't live above my means. I own my own, very profitable business! This is a debt i knew nothing about util they contacted me after 4 years! I ... |
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I am a 23 year old college student, I don't live at home, but am still counted as 'dependant' on my parents taxes, and included in their insurance.
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| Just wondering about *********? |
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| A friend of mine told me, that if I cancel my credit cards, it will hurt my credit score. It's that thruth?... |
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framazz b | Can The Bank Take Money From My Checking Account 4 Credit Card??? |
My checking account and credit card are through the same bank. I stopped paying on my credit card and it's gone 2 collections. What I want 2 kno is can the bank take money out of my checking
account to pay for my overdue credit card ($800) without my consent??? |
 |
 
Deliah
 |
Yes it is in the fine print of your agreement with the bank. |
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Josh
|
I would imagine so, and I would hope so. Pay your bills!!! |
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Steveo
 |
If the credit card is from the same bank as your checking account, then I would expect that there may be some fine print in your credit card agreement that may allow this to occur. However, if the credit card is serviced from an outside source, then maybe not. If not, they need to get a judgment against you in order to attach your account.
An anonymous call to the credit card company should clear this up.
In the future, you might want to have a card not associated with your bank. |
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K.C.
|
Yes they can and without your consent ~ this is usually the last option before collections. Usually they will send you a letter stating what they have done or intend to do
What sense would it make to be able to get money from a bank that you owe money to
~It's tricky but you gotta think about it~ LOL |
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STEPHANE O
|
Depends, if it's in the terms and conditions that they can, then they can.
In your case I would think that if they could have done that, they would have before they sent the account to collections.
To be safe, you might close that account and open another one at a different bank. |
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Kevin K
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Usually not. But it can and does happen. Normally they will have to take you to court and get a judgement against you. Then they can apply for garnishment of wages and bank account seizure. This is true even if your checking and CC are with different companies. If they are the same company I don't know but you have to realize most consumer banks don't offer there own credit cards (true listen up). I think the only one that does is Bank of America since they bought out MBNA but they are different divisions that probably operate like different companies. Now most banks say they offer their "own" cc it is through a different credit company such as providian which is popular with consumer banks. I used to beleive the same think with my wamu checking and wamu cc but the wamu cc's are through providian. Look at the fine print I really think they have to have a judegment. The only other entity that can take money from you without a judegment and payment order is the government and it has to be debt you owe to them. Good luck. |
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~Brittles~
 |
Yep usually they will do that before they send it to collections; |
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meow0724
|
Yes, the bank has the right of offset for any accounts you have with them. |
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archer girl
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Did you have their permission to not pay? Take a look at your disclosures. I'm certain to say that there is a clause in there that states any account with that institution may be off-set to pay any loans, lines of credit or fees due that institution. If you cause a loss to a financial institution, most will disallow any further services until the loss is reimbursed. However, this is not the case with bankruptcies. Are you not paying the card because of a dispute? If this is the case, you must still make your monthly minimum payment, but file a written dispute and the charges in questions may be reversed until the matter is fully investigated. |
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