 If someone is refused credit for a credit card, and applies for credit for a laptop (on 0% finance for a year) |
Is it likely they will get refused again for that? I mean, will it definitely happen?
Has anyone been refused credit for one thing then accepted for another soon after that?... |
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 Can you purchase a car with a credit card? |
| This may seem like a stupid question but I have a credit card with a 3.99% interest rate and I want to purchase a car with this card. My limit is very high. Does anyone know if this is possible?... |
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 Hi. Looking for a car loan. Bad credit history.? |
I have been offered a loan for £5800, and over four years i will be paying back over £12000! (Accept car credit)
Does anyone know of anywhere else?
Additional Details
Sorry, i ... |
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 I have contact to the person who fraudulently used my credit card, how do i approach them about it? |
| i recently bought some items at a church event and the woman took my credit card to swipe it and later asked me to include my telephone # on the recipet, well my credit card statement has a charge ... |
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 Where can I get a $5000.00 loan with bruised credit without using tradtional lenders? |
| I am in need of $5000.00 from an individual. I am do money from a previous employer in 60-90 days but need the money immediatley. Will gladly pay a very high rate of intrest to get this ... |
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 How do I pay off my credit card? I work full time and just cant get ahead..? |
| I need to pay off my credit card and I have tried not using them.. paying on time.. etc. etc. I dont want to take out a loan to pay them off bc Im trying to save up for a car. I work full time, and ... |
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 I have no credit! Where can I get a credit card? |
| I have tried numerous times to apply for a credit card with no success. They tell me that I have insufficient credit. Can you please help. Does anyone know where I can apply to obtain a credit card. T... |
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 Is refinancing the best answer? |
| Here's the story: Me and my fiance cosigned a house for my mom and a house for my uncle. Mom's house is $700,000 and uncle's is $800,000 for a combined total of $1.5 million in real ... |
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 Can i get any help with flight costs as member of family has died? |
| Hi i was wondering if anyone could offer me some advice. My father in law died the other day and he lives in Canada.My wife and i, along with my son have got to go to his funeral, only problem is, ... |
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 Is this a scam? |
Hello ,
Thanks for your response,am ok with the price and the conditions..I would have love to come and look at it its just that time wont permit me cos am a very busy person..I will be ... |
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 What do you do if credit card company gives out your information? |
| One of my credit card companies has been calling the wrong number (my parents house) and giving out all of my info to them from how much i owe to the account number and pretty much eveything else. My ... |
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 Is it right to allow a female to have a credit card in her husbands name? |
I await the replies in my bunker
Additional Details
In answer to whats a bunker it's something Hitler died in sheltering from the ... |
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 Why can't I get a credit card? I need to start building my credit somehow!? |
| Every time I apply for a credit card I get turned down. Not because I have bad credit history and not because I don't have the money to pay my bills .... BUT ... because I don't have any ... |
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 How much do you owe on Credit Cards? |
| How many people on here have credit cards? And how much in total do you owe on credit cards? My husband got angry because we owe 4,200.00 in credit cards from our honeymoon...How much are you in debt?... |
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 Does adding an authorized user to my credit card account help their credit and/or mine or no ones? |
Additional Details
I know I have to pay and I am responsible, but I was considering this for my bf (he lives in another state) but I was going to let him have access to it when he is ... |
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 I have no credit, what credit card should I get? |
| I want to start building up my credit, I'm 21 and I have none. I was thinking of getting a Kohl's department store charge. They have great deals on clearance clothes there, and with the ... |
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 My Credit Report is incorrect. How do I go about fixing the discrepencies that are on it? |
| There are a few things on my credit report which were taken care of in 2003. Anyone know what I need to do to fix this?... |
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curiousgirl | Can you use a home equity loan for something other than a home? |
I need a loan & some people had suggested I look into this because of the lower interest rates, instead of using high interest (not to mention EVIL) credit cards. But it's not for a home & I don't have enough collateral for the amount I'd like to borrow. I have a great credit score over 700, but also have student loans & other credit card debt, which I am very good at paying at, & make enough to make the payments comfortably. If I can't get a home equity loan, what kind of loan can I get, & at what amount & rate should I expect? I've looked around online, but all the bank terminology does nothing but confuse me, so anyone who could explain this a little more "user friendly" would be helpful!
Additional Details
It's not for home improvement. Actually, it's basically a business expense, but I'm not sure if a bank would consider this a business type of loan. |
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Shay nay nay
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You can use the equity loan for anything. They will literally give you a check book and debit card in many cases. You are basically borrowing against the equity you have in your home. The interest you pay on this loan will be tax deductable and that is also what makes it more attractive than a credit card or personal loan. Be very carefull! Turning your home in to an ATM machine is what has gotten many people in trouble and is what has caused the "credit crisis" that we are seeing right now. The stock market has plunged because of this and the negative effects on the economy are still being played out. I would only do this if it is necessary or if the loan will add value to your home. You may find yourself in a position where your home is worth less than your first mortgage and equity loan which means you will not be able to sell your home if you have a financial hardship and you may be forced to forclose like all those people out there... |
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Deliah
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In some cases your total loans may not exceed a certain percentage of the home value.
You should not be looking to start a business, which will drain you dry in the first years, until you get some of the debt paid down.
Never a good idea to jeopardize your home for fancy or credit card debt. |
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sneezewhiz
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You have to own a home to get a home equity loan. Equity is the amount of value the house has that you don't owe.
Say you put down 5k on a 100k condo, and after living there a year they tell you the condo is now worth 120k. You owe 95k on a 120k home, so you have 25k equity, more or less.
You can then get a 25k home equity loan, and use the money for a car, a face lift, new furniture, or a big bag of crack, whatever you want.
You can try to get a signature loan or unsecured loan, but it's going to be at a high interest rate because it's a high-risk loan.
You can get your parents or someone to co-sign a loan based on their home equity, but then it become their risk and they own you. They get to judge you. They get to ask what the loan is for. |
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t.s
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you can as usually the loan is just put into your bank account and you spend it on home renos or what ever we were told by the bank manager to say a loan was for the house and look at buying a business with the money |
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yoji6365
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Seek a professional financial advisor, your finances seem to be in disarray. Looking for more loans while you have so many other debts is a serious indicator of financial trouble. If you make enough to make the payments comfortably, you should be able to pay them off soon or reduce your debt significantly. |
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Da B
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Many mortgage companies will allow YOU (over 700 credit score) to refi your home for whatever you need--not just home improvements. Ask for a "home equity refi(refinancing)". Shop around for the best deal as there are many companies who WANT YOUR BUSINESS. Good luck! |
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