 Whats the best way to build credit without drowning yourself in debit? |
| My boyfriend and I want to buy a house together in the next few years but the only thing on his credit is one apartment he had for 9 months. On mine all I have is some money I owe a phone company and ... |
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 Do I have bad credit at the age of 16? |
Okay, when I was 14-15
My brothers used my social security number and I blv my name aswell to get cable, cellphones and stuff. Since they had bad credit.
And they did get those ... |
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 Will they replace a $100 khols gift card if it was thrown in the fire? |
| I got a $100 gift card from Kohls for Christmas and my mother accedentally threw it into the fire. My brother and sister also got them however they still have theirs and my question is, can we void ... |
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 Does anyone else find loan adverts really annoying eg picture? |
if I want a loan the awful ad's wont make me get a loan through them.
I'm less likely to go to Picture loans or the one with carol vorderman. I think they should spend less on ... |
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 How much interest can credit cards legally charge? |
| I am a new york state resident with a credit card that just sent me a bill with an APR of 32.24%. I am in good credit standing (make all my payments), but am carrying too much debt relative to income.... |
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 Should I cancel my Discover card? |
| I've had a Discover card for about 10 or 15 years. Back then it was one of the few cards I could get. I HATE the company. They are constantly calling me with lame offers and mailing me those ... |
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 Do we really need credit cards? |
| I'm still a minor , and I'm just curious , Dealing with credit cards ( from what i've read ) Seem's rather difficult and annoying , So do we really need credit cards now a days?<... |
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 What is the best way to go about financing a car when my credit is very average? |
| I don't want to put alot of money down and would like reasonable payments. Can I get pre-approved by my bank of 20 years? What is the best way to go about this?... |
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 Why do banks put your check on hold for 2 weeks after deposit it jst bc its a out of state check? |
Additional Details
its a check freom work so it couldnt be bad i hope this doesnt happen everytime i deposit a ... |
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 I got a home loan for 4% fixed is this too high or about right? |
| check out http://get-a-home-loan.n I got the quote at 4% over 15 years is this good or bad?... |
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 A Question for people with debt coming out of there ears.? |
| Why do you try to spend money you have not got. Yes we would ALL love an £80,000 merc stood on the drive, But if you cant afford one why try to buy just to impress the Joneses. Who are these Joneses ... |
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 "what is meant by credit card balance transfer"? |
| can anyone explain to me what does it mean credit card balance transfer and how it can be done within different credit cards..... |
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 My credit card company is harrassing my family but offering me a settelment is any of this right or legal? |
| ok i've always paid my credit card on time,usually min. payment but anyway we have fallen on some serious hard times and its very late, they have offered me a settlement of only 20% of the ... |
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 My Boss Is Stealing In $ In My Name Help...? |
| Help!!! My boss is stealing money in my and another employee's name..He is doing it by posting fake refunds on cash paying customers. He took $350 in my name..I know because i did some ... |
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 If I have a credit score of 814, should I cancel some of my credit cards that I do not use? |
| I have about 9 cards of which I only use 4 on a regular basis. My concern is if I cancel the cards I don't use, will it hurt my credit score.... |
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 Can I make $6,000 in 13 Days? |
| Yeah... you read that correctly. I got a letter from People To People Sports Ambassadors inviting me to go to holland for basketball in the Friendship Games. I have read that it costs around $6,000. M... |
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| What is money laundering? |
| I live in france and I can't open a M&S account in U.K. because of ''money laundering. (which I would like to use when I go back to visit family).... |
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Isabel e | Can i transfer my car loan to another credit credit company? |
i have a car loan to a certain company which i found that their interest rate is quiet high compare to other, can i transfer that to another credit company? |
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natalie a
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You would have to apply at the other company and see if they will approve it. Usually, it's hard to "refinance" a car loan because you'll have negative equity - meaning you will owe more than the car's worth. If you don't qualify for a refinance loan, you're probably stuck paying the higher interest rate for awhile.
You'll want to check these guys out.....
http://www.123thebest.info/go.php?link=auto
Good luck |
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debijs
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~~If you can get pre-approved through another lender (like a credit union) then yes they will pay off the loan and you will then have a loan with the new company.~~ |
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Christine M
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You have to review your contracts terms and conditions. If you have a good payment history, try contacting your current lender to negotiate a lower interest rate. Usually you can refinance a car loan (similar to a home), but you might have to pay early payoff penalty fees or application fees. If you have a poor credit rating, you could even end up paying higher interest rates.
First read your contract to determine your terms and conditions for refinancing, early payment, and refinance options. |
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Jason S
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Try to negotiate a better rate with them first. If they wont tell them you have a option to transfer the loan to a better rate and see if they can match or beat it. As long as there are no penalties for the transfer(or transfer fees) you can do whatever you like. Make sure though you card does not have a transfer fee. This could be up to 3% of the transfer.
http://creditcardwarehouseonline.com |
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EngProf
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Did you purchase your car on your credit card, or is it with a loan company? That makes a difference. If it's with a loan company or a car company, simply get money from your credit card deposited into your bank account (usually takes a few days) and then pay off the loan using that money (double check to make sure that it is a low-interest rate and that the fees aren't exorbitant and not a high interest of 19.99%).
If you paid with a credit card, simply have that balance transferred to the lower interest card (you can do that over the phone). However, double check all the fees and interest amount (usually 3% of the transaction amount) so you're sure that it's actually more cost effective.
Good job of trying to get your finances in order. |
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