 What are ways to build your credit for a teen?? |
I want to put a cell phone under my name...and I was wondering what are ways to build up your credit??
Oh and I do not want a co-signer. Thanks! :D... |
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 I have a car loan with my wife, i want to turn it over to her how do i relieve myself from this debt.? |
| my wife and i have this car loan, i want to relieve myself from this debt. i heard i can go somewhere and sign a ... |
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 Why do I not have credit? |
| I currently have an apartment in my name, (which is also in my boyfriend's name), and two utility bills. All always paid on time. Everytime the apartment office sends us things in the mail, it ... |
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 My credit card interest rate is high! Can someone give me some advice? |
| I have 2 credit cards. A Mastercard through Capital One and a Visa through Washington Mutual. My interest rate on the Mastercard is 23% and my Visa is 25%. My credit score is 600. Is there anyway ... |
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 I need to start fixing my credit? |
I have ignored my credit problems for years. I don't want that life anymore. I don't want to be treated like a third rate citizen anymore. I want a house, a new car etc...
I ... |
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 Credit Card Default Advice Needed? |
| My husband and I have 75k in credit card debt. We have been managing to pay everything on time, and I got a second job last year to help pay down our debt. We set up a budget and had been following ... |
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 I suspect my wife has opened several credit card accounts in her name only. How can I find out?? |
| She has hidden money and transactions from me in the past as she pays the bills online. She is getting drunk every day and that money must be coming from somewhere. The last time she did this she ran ... |
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 Credit Question? |
| I was approved for a low limit credit card from Chase, and I had semi-bad credit. I was wondering if this credit card will help improve my score if I keep up with the payments as i'm hoping to ... |
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 Where can i get a loan (no pay days, non homeowner) with very poor credit? |
I am looking for a legit loan place that will lend to someone with very poor credit. I am going to school and financial aid did not cover all my school expense I am looking for a legit lender.
I ... |
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 How to get this off of my credit? |
Heres my story:
A few years back my step mom recieved some of my credit info in the mail .. instead of informing me .. i'm about 90% sure she stole my info and opened a credit card.<... |
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 Can a bill collector change the agreed montly payment from $200 to $2000? |
| I was laid off about 2 years ago and had something repossessed (about $10K), I took full responsibility and made contact last year with the collection agency to arrange monthly payments, I've ... |
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 Prepaid Visa Card? |
| I got a Prepaid Visa Card today at the store and it said on the box I can use it online at any store that accepts Visa cards. So I bought it and I opened it up and read the directions and it says ... |
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 Credit card problems - are these specific to HSBC or does every bank do it? |
I have a MasterCard with HSBC. I know they take fraud prevention seriously, but most of the time they just go too far.
I am usually unable to purchase items online, as my card will decline,... |
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 What is paypal? |
| what is paypal and how does it work?... |
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LAURA C | Credit card payments doubled ? help? |
HOW CAN I GET THE PAYMENTS BACK WHERE THEY WERE BEFORE THIS NEW LAW WAS PASSED - I DID NOT AGREE TO THESE TERMS WHEN I OPENED THE ACCOUNTS ! HOW CAN THEY JUST CHANGE IT ? |
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Garth
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All credit card companies maintain the right to change terms at any time. Your best option is to take advantage of a lower rate transfer onto a new card or another card, but read the terms carefully so that you aren't getting into one where the interest rate skyrockets after a certain length of time. If you are having difficulties making the new payments, call the company and explain. They would much rather work out a payment arrangement with you than have you default. But be prepared to have them put a freeze on the account until it reaches a certain level. |
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Kennedy
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You might want to check your contract with them. Theres probley something that says, "terms can change at anytime without notice" In that case your **** Outta Luck |
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Onegoddess
 |
Unfortunately they can just change it, however you should have been given some sort of warning in writing. Call your credit card company and request proof that you were notified. If they cannot provide proof, insist that they modify your payment schedule but be prepared to fight with them... including having at the ready your original paperwork from when you opened the account |
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Silly chick
 |
Well, it's sad but once the credit card companies loan the money to you, they do what they want. Sometimes, they raise the interest rates because you borrowed so much even though they said you have that limit.
You can call customer service and they will review your account and they have power to lower your minimum due but only they will know by how much they can lower it and you'll have to have almost perfect credit with them. |
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mojomuppet
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if you call them and tell them you will move you money to another credit card they may lower you payment. if they dont apply for another card and move your money.hey while you at it ask them to lower you intrest rate too what the heck they cant eat ya.some times they will if your payments havnt been late. |
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whoanelly00
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You did agree, you signed a form saying they could do anything they want. Let me guess, it's capital one? My advise would be to cut it in half, and burn it. Pay it off as quickly as possible. You can get another low intrest card, and just keep transfering the balance until it is payed off. |
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Mama Pastafarian
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You agreed to let them change their terms at any time back when you signed up for the account. It's in the small print. And they don't really have a choice in this matter, anyway, since it's a new law that was put into place to help people pay off their balances. Previously, with minimum payments, it took decades to pay off balances. With the new law, more money is going toward the principal. |
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bobo
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Read the fine print... It's says these terms may change at any time, they probably sent you a notice and you tossed it because it looked like junk.. If you were late 2 or more times within, say a year, they give themselves the right to raise your interest rate. The agreement even says such things as must be received by 2 pm on the due date. Hell, it could sit on someone's desk until 2:30 - then you're late. Right now you are probably paying mostly interest. If you can get the money to pay it all off, perhaps with a lower interest credit cardl, you could use that to leverage an agreement to go back to your lower rate. If you can't do this, toss the card. I would call them and tell them to cancel the card and that you are going to pay it off. |
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sexytrojan
 |
Find a credit card with a 0% interest on balance transfers. Washington Mutual offers those. Transfer the balance and close the old card. |
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sweetsue777
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You don't really have a choice. The law is designed to help pay down the balance rather than just interest (how the credit card companies make so much money of us). |
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