 Asked to cosign a loan.? |
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 Serious, honest answers only? |
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 Building credit? |
| i am a sophomore in college, and i dont have credit and i want to build it. i have applied for credit cards that say they are for people to build their credit, but i dont get approved because of ... |
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 Building credit...What is the best way to pay for credit card purchases ?? |
1) Should I make small purchases lets say 100$ a month and
pay it off in full upon billing ?
2) pay full balance before i recieve my bill ?
3) make the minimum payment only ?... |
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 Buy a giftcard, with a giftcard? |
| i know i am receiving a walmart giftcard from my aunt. And i do not want anything from walmart. So i was wondering if it would be possible for me to use my walmart giftcard to buy an all access Visa ... |
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| i borrowed a total of $4.5K over nov'06 and dec'06. i kept asking for the money to be returned, and was given all sorts of execues and now..this friend is uncontactable or have been ... |
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| Cars can be bought on credit, OK if it is zero percent but if you have to pay some of the exhorbitant amounts they charge, why not save up?... |
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 Will I be okay just paying part of my credit card? |
What will happen if I just pay much more than the minimum payment but I still have a balance left on my card? I'm maybe going to be able to pay out about $300 or $200 out of $500...
W... |
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 Which credit card offers the highest limit for someone with credit score 650-699? |
| I am trying to raise my credit score by spending low on a credit card with a high limit. I currenty have a 652 credit score. Which card would offer the best chance to raise my credit this way?... |
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 When purchase goods on your credit card, do you clear it off every single month? |
... Or pay it off slowly?
Additional Details
I too pay mine off every single month :)... |
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 Rebuilding credit? |
| I have had some credit problems and been over my limit a couple of times, but I can finally pay off my credit card. My question is that i have 2 credit cards, i want to cancel one, and use the other ... |
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 How do i get my credit score up? |
| my wife and i have paid everything on our credit reports, and yet the hits are still there. i dont know how to fix this and its costing us thousands of dollars. someone please help ... |
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 When is the appropriate time to use credit cards? |
| To keep from going into debt, when should I use credit cards?... |
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 Is this a scam or real. I need to know? |
UNITED STATE PARCEL SERVICE BENIN .
Rue 105 Akpakpa Way,
Cotonou Bureau Office
Republic of Benin
Tel/Fax +229-93-046-557
E-mail: uspservice2003@yahoo.fr
web: www.... |
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 I NEED Credit Card Advice? |
| I already have 1 credit card w/a $500 limit, through my bank. which is helping me re-establishing my credit now. I got it this past June. I pay way more than the minnimum payment. I have ... |
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 Has anyone here maxed out a credit card on purpose? |
| In other words, spend left and right knowing that you were maxing out?... |
|
 Do you think i could build my credit in 11 monthes? |
I'M not looking for my credit score to be perfect but at least 600-650 can any one help me
Additional Details
I have no credit but just got my first credit card need to build my ... |
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JJ1231 | College Student Needing Serious Credit Card Debt Help? |
I have about 3,000$ in credit card debt and I am a student in college and I cannot pay off all of this while working very little in college. I can't get any loans either even with my parents cosign because they have bad credit. I am stuck in a very bad situation and i called both collection agencies and they want 100$ each for a payment plan and I can't afford that. I need help, what are the options for a 20 year old with bad credit to be able to pay this off? |
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Deb S
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Pay what you can each month. They can't do anything if you are making some kind of payment. Don't let is stress you. This is such a common problem with college students because the banks love taking advantage of you!!! Hang in there. It will get better. |
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andy42s
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Call them again and tell them you can't afford that. Usually they will settle with something that you can afford. |
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peach
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start paying it off, little by little, and STOP spending more than you make every month. |
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lilpowdereddonut
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just work as much as you can and just pay pay pay until you get them what they need. |
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Southerngirl29
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Have you tried to get a federal loan (stafford or perkins)? Your credit is not a factor. If you are getting financial aid, then call your financial aid advisor and tell them you want to apply for the loans. If you haven't filled out the FAFSA, then do so, and you should qualify for at least one of the loans (not all have income requirements). |
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Ms M
 |
The best option for debt trouble is negotiating your debts with your credit companies to keep the payments from swallowing all of your income. Typically, you have to get a counseling agency to call on your behalf. If you try to work with them yourself, many of them will not cooperate with you because you are not enrolled in credit counseling. Try http://www.womenindebt.info. Good luck! |
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Kelsey
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refinance all your stuff so you are paying 1 bill for everything
then i suggest you get a good paying job and work all you can
$3,000 isn't that much
just chill
you can do it :D |
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CaraMia2
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Oh this sounds oh so familiar! A few years ago I was going through the same thing...
If the creditors refuse to take anything less than $100 bucks each a month and you can't afford that then there's not much you can do. What you can do it try to contact the credit card company and see if they will work something out with you. Some do, and some just say "oh well", and refer you back to the creditors they sent your info to. One particular creditor told me I had to pay the whole thing in full or I was going to be sued. I just ignored the jerk who kept calling me and mailed what I could when i could, and kept proof of the cashed checks (just so they wouldn't give me a hard time later on). They sent me new statements with the new balance every time, and they'd still call and tell me I needed to pay in full. I just kept paying what I could to chisel away at it... Eventually I found a new job and was able to take care of it. Another creditor after months of harassing me came to me with a pay off balance. Which was what I owed my card, minus the finance charges and fees that had accumulated. Let me tell you that was nice! If someone makes you an offer like that, try to take it. Better to owe a friend, or family member than have to pay interest and fees right? You said yourself your credit was already bad, so this won't make it much worse. It takes a few years for your credit to improve anyways.
These creditors can be real big jerks. Sometimes they are so rude I swear you just want to cry. They try to treat you like you are some deadbeat scum bag because you are unable to make payments. Don't let them get to you. You're human and make mistakes just like anyone else. Like I said, I went through this, my husband did when we dated, so many of my friends did or still are... In time you'll get through it, and eventually work towards being debt free. Until then don't let this weight you down, because debt is a heavy burden. And if you let it get the best of you, it'll do nothing but drag you down. Just focus on finishing school, and make that your number one priority right now. Debt can wait, because without the education you won't be able to get a good paying job to pay off that debt!
Oh, and stay away from these "debt counselors" they might tell you to call. It's a scam.
Good luck with everything! =) |
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pretty
|
Have you tried consolidating all of your credit cards into on payment a month? Try searching for credit consolidation companies. I understand you are a college student, but no matter what you are going to have to suck it up and earn more money. Oh...and STOP using the credit cards. |
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Hannah
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well my friend got 10000$ last month for student loan.
Ok im giving u site ble go to http://pisco.tk > loans > Student loans
check all links one by one and check for flexiable lenders |
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Zoe
|
What about contacting a debt management agency? That's what I had to do...they made the interest rates on my card really low and I was able to pay my cards off that way. Good luck! |
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gol P
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approach a debt consolidation company for help, instead of paying high rate of interest to your card issuer. Most of the debt consolidation companies provide loans to help you tide over the credit card debts. These loans are known as credit card debt consolidation loan. The advantage of this loan is that you are charged a low rate of interest. The difference between the interest charged on the credit card and the interest on the credit card debt consolidation loan is substantial, saving you quite a big sum of money.
However you should note that credit card debt consolidation loan may not be right for all. Before applying for any loan, consult your financial advisor and apprise him of your problem. He will analyze your situation, and decide whether credit card debt consolidation loan is right for you or not. Take this loan only if he recommends it.
http://debt-refinance-loan.com/category/Credit-Card-Debt-Consolidation-Loan.html
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ukuleleninja e
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oh no u feel into the credit card companies trap...people give u so much warning to...well dont worry you will just join the rest of poor americans who have bad credit |
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OSweet
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Don't pay 'em, and let your credit go bad.
Then just pay cash for everything the rest of your life. |
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