 Where can i get a credit card with bad credit? |
| yea i was wondering anyone knew where i could get a credit card with bad credit and with no annual fee or the fee is included. thanks a bunch.... |
|
 Brother that owes me money? |
| Heres the story.. Two years ago i was working full time and making good money. My brother was having financial problems. I took $5,000 of his debt and put it on my credit card so he could get his ... |
|
 I have no credit, where can i get a decent credit card? |
| i have no credit yet. and i need credit so i can get certain things i want. where can i get a good credit card when i have no credit?... |
|
 I was fired the day after Xmas, they said that I can reapply in 6 months. Would you go back and work? |
| for a company who completely ruined your life? Could you go back and want to do your best for this company when without even a write up or warning just fire you?... |
|
 I just turned 18 , how do i build my credit? |
| what are some methods that will help me build my credit i dont have bad credit i have "NO" credit how do i ... |
|
 I have no debt, only my student loan which is being paid and is not in arrears. Why am I being declined a loan |
| I was nearly fooled into Yes loans but have gone with best4loans instead. I found out they are a con too. So now I'm applying with black horse, but I'm baffled why I'm not being ... |
|
 Purple $5 bank note? |
I have a $5 bill. and on the bottom right it has a big Purple "5"
when did this happen?... |
|
 How to get a loan with bad credit? |
About 5K.
In need of good advice.... |
|
 How much money do i have to make to qualify for a 264,000 loan? |
| I want to purchase a home that is priced at $285,000 I have 10% down, now I just need to know how much I need to make to qualify for a conventional loan.... |
|
 What happens when you just stop paying on a credit card? |
| Seriously, I have bad debt once out of college and this one card has a pretty high limit and it's maxed and I have tried calling them for assistance but they refuse to help me out and lower my ... |
|
 What is the best way to get rid of a credit card? |
| I have an aspire credit card which I haven't had any trouble out of but I want to get rid of it before its time for the annual fee of $150. What is the best way to get rid of it. Cancel it and ... |
|
 I have $2000 in debt. I want to take out a loan to pay this off. What kind of loan should/could I get? |
| I have almost $2000.00 total in credit card debt, on three different cards.(CitiCards: $1000.00, Capital One: $700.00, and Gap $200.00.) I have cut up all of my credit cards, but have yet to cancel ... |
|
 Why would someone fraudulently purchase items on my credit card and send them to my house? |
| Several items were purchased on my debit card and some of the items bought were sent to my house. I can understand why someone would buy something for themselves, but why steal my credit card # and ... |
|
 Why do creditors put so much importance in credit score? |
| I mean ok I go to apply for a loan and check my credit score with experian before I leave. Experian says my credit score is a 656. I have no late pays, no over limits on my credit cards or anything ... |
|
 Money has gone missing from my account.? |
| I went to head out last night and went to the ATM to get money out, knowing I had at least £60 in my account. It wouldnt let me take it out, said I had insufficent funds. So, I checked my balance ... |
|
 Credit card debt that is 6 years old? |
| should i pay it off ( the $2,000) or not? is there a statue of limitations on credit reporting? if yes, how long is it and should i just wait it out or would i still be responsible for this old ... |
|
 I have moved to the U.S. a month ago. I have no credit history. how can I make one.? |
| whatever I want to do and need load they are asking for a credit history which I don't have. what can I do. I live in burlington, VT.... |
|
|  |
dnelak | Credit Card Companies are Killing Me!? |
I used two credit cards which have now decided because I was late on one, that they both would increase my rate to 30%. My balances are extremely high, and I do not know what to do. I have only charged a total of maybe $15,000 but because of the interest I now owe over $30,000 in only two years!!! I dont know what to do because I work on commission and I can only pay the minimums. If I got another job, I would not make enough to pay the minimums plus rent, bills etc. Does anyone know any ideas on how to get a loan to pay off the cards. I wouldnt even mind a loan for 15% if it got me out of the credit card mess. I feel like suing the card companies, I dont think they should be allowed to charge you more then I charged on the card. At this rate, I will be in debt $40,000 by April. What can I do? I dont want to do a Debt Reduction company, because I dont want to hurt my credit score. Even though I made on time payments, my finance charges are higher and go over the limit! |
 |
 
coreys1247
 |
Dig a deep hole and jump in.
Your not getting a loan with that knid of debt! |
|
Jordan K
|
You can call them and ask them to reduce the rate. If you have any assets (car/house) you could sell them or take a loan against them. You could get a second job. You can try to transfer the balances to a 3rd card with a lower rate.
But do not blame the credit card company, it is your mess. And what would you sue them for anyway? |
|
melouofs
 |
You cannot sue them because the credit agreement you signed spells out that you would be chrged this high interest rate if you were to default. So, stop being upset with them because that is of no benefit to you. Contact a debt counselling service. Your credit score is taking a hit now because you have used most, if not all, of your available credit, you have at least 1 late payment, and your debt/income ratio stinks. Get yourself into credit counselling--they will get the credit card companies to reduce or eliminate the interest rate, and you can possibly pay off the debt in full within a few years. Try your local Credit Counseling Service--you can find them in the blue pages where you live--they are a non profit and very kind to deal with. |
|
Scott C
|
First, a loan is not the answer. Dig deeper into the problem my friend. You'll discover that the problem is you. You need to change your spending habits. That's the cause of your debt.
Second, stop using the credit cards you have. Put them in the shredder or at least get them out of your wallet.
<<I used two credit cards which have now decided because I was late on one, that they both would increase my rate to 30%>>
More and more credit card companies are doing this now. It's called under what is called Universal Default. They have the ability to increase your interest rate and fees just because you were late on another payment to another company.
THIS IS WHY YOU SHOULD STOP USING CREDIT CARDS!
Switch to using cash for things that you tend to overspend (food, dining out, clothes, etc.). Cash never charges interest.
Visit my blog site which helps people eliminate debt and take control of their money.
Scott.... |
|
short stack
|
Your credit is already hurt. You should go to credit counseling for sure. If you just stop paying anything they will settle with you for a much smaller amount in about a year or so. At that time you can settle and request they clean your credit report, being apart of the settlement. In the future do not get credit cards. Save your money each month so you can pay when the settlement time comes. They can do this if they want to, but be sure they put it in writing to remove it from your credit report. I think credit card companies except this the way they scam everyone. |
|
Pobept
|
should have read the small print on you contract. It's legal what they have done.
You should not have been late on your payment!
I don't think you will find a bank or credit union that will give you an unsecured load for that amount!
Sorry |
|
Millie
|
Use "Peter" to pay "Paul".
Try to get the one with highest finance charge paid off and then cancel it.
I think the only way to stop credit card companies is by getting rid of the accounts. Hurting their bottom line is the only way to make a statement.
If there is ever a survey of why you cancelled card ABC, you can say card DEF stole the money you would've paid to keep the ABC account open. In effect, ABC stole DEF's money and vice versa
Maybe if enough people do something like that, they will learn to keep the charge low enough so you keep the account. |
|
Just Me
|
The one to get mad at here is the man in the mirror. You can't be late...EVEN if you have to move heaven & earth NEVER be late...you got Rate Jacked because you failed to live up to what you said and promised to do..PAY your bill before the due date.
The 2nd mistake you have made is charging 15k on credit cards..my God that's nuts!!!!
Then you complain about your income...dude you need a reality check!!!!!!!!!! |
|
mudd_grip
|
Take the min amount you pay divide it by 4 pay this amount every week. The interest will then begin to drop rapidly, add a little more if possible. (example: 100 bill instead of paying once a month pay 25 every week if possible 30 to 40) This doesn't allow the interest to catch up to you. Also you wont be late anymore by paying this way. Call them tell them your situation this will be a major pain but you can hopefully get a nice person on the phone and they will reduce the rate for you. I have done the credit repair people thing and they are worse and 99 percent of them are not non profit companies they claim to be, if you decide to go this route research them fully or you may end up worse than you are now. |
|
Steve R
|
The credit card companies are not killing you, you got into this yourself by overspending. Immediately stop using your credit cards! Call up the companies and ask them (nicely) if they can do anything to decrease the interest rate. If not, and if your credit is still good, then transfer the balances to a card with a 0% or a low interest rate. You then have to pay this bill on time each month, or they can increase the rate to 30%. |
|
on tip toes
|
You have made a real mess of this situation. I work in collections for a credit card company and have seen people ruin their whole credit standing. Their scores have plummeted, not only by credit cards, but other financing they have been delinquent on. Serious stuff - lousy credit. Not to sound preachy, but credit really should be earned and not abused. I know, I wouldn't have my job, if not for overdue accounts.
As for your situation, 30% interest is very high but so are your balances. I would suggest credit counselling. Another step is loan consolidation, this is a loan which is much lower than the credit card and all debts are consolidated into one monthly payment. I really would refrain from all thinking about personal bankruptcy. Seven years is a long time to have this on your credit record - try and buy a car or house - forget it.
Unfortunately, you did sign the cardholder agreement and they have the option to increase interest rates on overdue accounts, especially accounts that are over the credit limit amount. |
|
ratdog
|
Your best choice is to go to a debt reduction company. They can lower your payments and reduce your interest rate. Your credit will take a hit but it is better than the alternative. |
|
Cabana C
|
Welcome to the club. You can declare bankruptcy. Find a wealthy uncle. Get a bank to give you a fixed rate secured interest note. Or get a second job.
Either way, if you don't pay, your going to have lousy or slow pay credit. Stop worring about the credit and start figuring out how to get out of debt.
Try DaveRamsey.com He has great ideas to help become debt free. |
|
Huge
|
Cut up the cards, go into voluntary administration/bankruptcy and seek agreement to pay a set amount each month. |
|
wealthmaster
|
I, personally think, this question is phony, but I like the asker's command of the language. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
15 | 23 minutes(s) ago
| | | |
15 | 3 hour(s) ago
| | | |
15 | 5 hour(s) ago
| | | |
15 | 8 hour(s) ago
| | | |
15 | 9 hour(s) ago
| | | |
15 | 2 day(s) ago
| | | |
15 | 3 day(s) ago
| | | |
15 | 4 day(s) ago
| | | |
15 | 5 day(s) ago
| | | |
15 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
