 I have a foreclosure but want a new car - I've been denied. How can I get one? |
Additional Details
For those of you who choose to judge me based on the limited information I have included, please note that the foreclosure was over two years ago and was the result ... |
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 Am I obligated to buy something if I apply and get approved for a credit card? |
| I know this may seem like a silly question, but I need a credit card as a second form of ID to open an account at a video store. I also need a credit card to create an account with Microsoft Office L... |
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 Credit card will be raising interest rate on balance. Should I close it so I can pay it off at the lower rate |
| I have two credit cards from the same company - one is an older account with a higher interest rate, the other is a newer account with a better interest rate. Both cards have balances that will take ... |
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 Any suggestions on how to get out of debt quickly? |
| I am already working two jobs and serve in the Army reserve. Bad thing is I have bad credit so I cant seem to get a loan that I can afford. Have several offers, but dont want to just get something ... |
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 I need a good debt consolidation company. Any ideas? |
| I have several personal loans out. My monthly payments add up to about 800 a month, i only make a 1000. I'm not behind on payments but i cant keep up much longer. I cant seem to get any local ... |
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 Is anyone in my situation..I havent paid my credit cards in 2 years!? |
| I just couldn't. Now i'm freaking out because I don't know what could happen from here...Someone help!... |
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 Only serious answers please. Those that are cynical will be reported.? |
| I have a high cellular phone bill, and am having trouble paying the bills. What do the consolidation companies for debt do? charge? Where can I find some help? We both have jobs but are suddendly not ... |
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 I just started a position working from home... I need an emergency cash loan or payday loan.? |
| Does anyone know of a LEGITIMATE cash loan or payday loan company that does not require you to work at your employment for at least 3 months? Most sites I go into and fill the application need you to ... |
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 If you had 10k to either pay off your car or use as a down payment on a home? |
| What would be the best thing to do? The car loan is at 6.9% and the payout is 13k....Thanks.... |
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 I'm being sued for a debt that is over 5 years old? |
| I was served with court papers on Saturday, I'm being sued for $7400...from almost 6 years ago. I had a loan for a vehicle, I lost my job and couldn't afford to make the payments, I gave ... |
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 Does anyone have urges to spend money you can't afford.......? |
Then get into a lot of trouble for it?
I mean like all the time and never learn from the mistake?
Additional Details
Are you suffering from bipolar bre?
Just wondering, because ... |
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 What are some things i can do to reestablish my credit? |
| i got a car in April and i make all my payments on time..but i still got turned down for a credit card..i tried to get a loan from a bank and i got turned down for that too..All i want is to prove ... |
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 14 year old makes $50,000+ ONLINE!!? |
| how would you feel if this were ... |
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 Should i payoff my car or paydown my house? |
| i have 4 years left on my carpayments, 3 years left before my 2nd mortgage (interest only) adjusts. should i use my extra $$$ to pay off my car or paydown my mortage principal?... |
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 Not paying cc debt..? |
| my cc cards range from $7-11 thousand.. if i stop paying on all of them will they be able to get the money later on? can they garnish my wages in the future or take me to court? what is the worst can ... |
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 Honestly, how much do you owe credit cards? |
Just wondering how much do people owe in credit cards.
Please be honest...... |
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KMack | Can anyone make an argument for the use of credit cards? |
I cannot find one reason people use credit cards instead of just paying cash. It appears to me that it is just playing with snakes, and even incentive cards have high interest rates and outrageous fees. |
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JB
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There is no good reason except immediate need gratification.
The ATM visa or mastercard has the same protections as a credit card. Anything you can do with a credit card you can do with your debit card so you can rent a hotel, or whatever and not carry a wad of cash.
If you pay cash you don't care about a credit score. A credit score just means you have debt.
If you have no credit card bills you probably have money in savings for emergencies.
All those perks credit cards give are better for them than you. Visa has one know where if you buy 7 meals from burger king you get a free meal. Big deal.
You can get a manually underwritten mortgage without a credit score.
People who pay with credit cards tend to spend 35 percent more than people who buy with cash.
If you buy with cash then you probably have a budget so you know exactly where your money is going |
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Deliah
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Business records
Personal records
Ease of use over writing a check
Not having to carry cash around
A record of your spending habits
Pay the bill off each month an it does not matter if the interest rate is 500% |
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Tim
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This one is easy. I use credit cards all the time.
I don't care what the interest rate is, just the reward program. You see, I don't spend what I don't have. So I pay off the credit card every month and never pay a penny of interest but get back money, gift certificates, etc. |
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Christie
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You cannot rent a car without a credit card.
You cannot make an airline reservation without a credit card.
Those seem like good reasons to have a credit card, in my opinion.
You know, you can get a credit card that doesn't have annual fees. You can also get some pretty competitive interest rates. And if you pay off the balance every month, the interest rate is a moot point anyway.
People who spend irresponsibly give credit cards a bad name. But there is definitely a time and a place for them, and if you use the wisely, they can be of great benefit to you. |
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Michael K
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I pay with credit cards, and pay them off in full each month. I don't spend more than I can pay off.
The credit card pays me 1% (or more) back for my purchases (5% on my gas purchases)
I am what the card issuers call a "deadbeat" because I pay my card in full each month, and they don't get any fees out of me.
I have the bill payed automatically out of my checking account so I don't forget to pay a bill and get hit with late charges or interest.
If you're able to use a card like this, then I think it makes sence. If you end up paying intrest on the card, then forget about it... it's a very expensive way to borrow! |
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Phoenix
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Easy
1- You can borrow money short term without paying interest if you paid in full.
2- Building your credit
3- Get rewards such as air, car, hotel, cruise, merchandise, gift cards and cash
4- Easy to dispute when you're not satisfy with the merchandise. Credit card company can help you not to pay for it. If you paid with cash, chances are the merchant already had your money, they may not return the money.
5- Lots of cards without annual fee (I never paid for one)
6- Loose your cash, you can't get it back. Loose your credit card, you can report the card lost and stolen and not responsible for any fraudulent charges.
7- You can't buy anything on line with cash nowadays, they all require credit card. You can use check of course but they want to make sure the check is good before they ship the merchandise.
8- If you are a responsible person, whether credit card or cash, you still can manage your finance without any problems..
If you know how to manage your finance, credit card can be very helpful. |
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richt1234
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You are using somebody else's money as long as you pay the balance off each month. In addtion, it is easier to return something than if you wrote a check for it. You also the right not to pay for it if it is damaged. |
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SPIFIMAN1
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Easy.
Cash back.
Reward miles.
Never having to carry lots of cash.
Paper trail.
Build your credit score.
Use someone else's money interest free.
The only trick to credit cards is do not spend over 30% of your credit limit in any given month and pay them off in full every month. |
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mister ed
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it is a good way to built up your credit -- you use it just like a debit card -- keep a running balance and when the payment is due you pay off the whole balance -= there are times believe it or not when you can not use cash == rental cars, some hotels, and when you buy tickets on line at one of the discount places.. but you are right == case in point(1) joe will come on and say how can he get a credit card -- three months later( 2)how can i raise my limit four months later (3) i have missed several payments can they really screw up my credit (4_ four months later how can i file a chap 7 or 11.
they should only be issue to people who know how to manage there money |
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Yils
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It is convenient, I dont ever have cash anymore on me. It is an easy way to build credit quickly if you do not misuse your card. |
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pockethotrod
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People use credit cards because it is faster and more convenient than cash. And they use it to boost their credit score (paying bills on time)
But those are just about the only benefits you'll ever get. Debit/Check cards are much better than credit cards. No interest, and you pay from your checking account. And they're just as fast and convenient. |
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heybulldog
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I dont see any reason to have a credit card.
People that say they pay off the cards every month are just fooling themselves. You spend more when you use plastic. There is no emotion involved. Mcdonalds said that when they started taking plastic that the average transaction went from $4.75 to $7.00.
"Would you like a hot apple pie with that?"
"NO THANKS!"
You can rent a car or book a hotel room with a debt card same as a credit card. As well as a paper trail if thats what you want.
If you play with snakes sooner or later your gonna get bit.
Im using someone elses money interest free. What a joke.
You have to borrow money and pay back interest monthly to have and keep a high fico score (I LOve Debt Score). |
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ImaYam
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if i buy a new sofa and i get it delivered but it never gets to me and the company says they did, i just call my credit card company and cancel the payment, theres the peice of mind, then if they want they send a person to see if i wasn't lying and being that i dont have what i ordered, i dont have to pay anyone anything. plus people can steal your money, but if they steal your card, you just cancel and ur money is safe |
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casw1
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hmm, as someone who recently filed bankruptcy, I cannot find any pros to credit card use. Instant gratification regardless of price??? |
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