 Getting a credit card??? |
| My credit isn't pretty but I would like to try to get one, do you have any advise on getting a non pre-paid card? If possible I would like to apply over the internet...thanxs in ... |
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 Can credit card company's put a lean on my house? |
| If we are in debt $8,000 dollars can the credit card company put a lean on our home?... |
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 I have no credit, but...? |
| im looking to get a credit card with a low credit limit to help me build credit, but i dont want to have to have a co signer. what is a credit card that will accept me with no credit history? (i am a ... |
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 Taking out a loan? |
....How easy is it to get accepted for a loan? Is it hard to get one?
What makes them decide if you get the loan or not?... |
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| How do i get my credit card off my ex-husbands credit report.he's not even on it? |
| we have been divorced over 12 yrs this is a card i got on my own and one day he showed up on it so i contacted the credit card place they said he's not on it but it's showing up on his ... |
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 Should I Pay the Cable Bill With my Credit Card? |
| My mother let the cable bill get out of hand again, and now its like 130 something, and she wants me to pay it off with my credit card. She's on a fixed income and I still have basically 2 more ... |
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 How can I get even with an IT consumables site that has ripped me off? |
| A month ago a site called 'esumables' (based in Perth in Scotland) took £38.11 from my credit card but never delivered the printer ink I ordered nor refunded me. And despite numerous ... |
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 Have you had a loan from "yes"? |
| iv been approved over the phone. i never get approved for a loan so im pleased. i have to send admin fee £50. what should i do? is it a con?... |
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 7 year credit bereau? |
| is it true that if you have bills that went to the credit bereau it stays there for 7 years and after that it's taken off how true is that i've never heard that before ???????... |
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 Is anyone else in their overdraft each month? |
| because im forever init! it gets me so down sometimes!!! i get out of it then im back init, i seriously need to win the lotto!... |
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 Survey on credit card debt? |
| How much do you owe to date? How are you planning to pay it all back?... |
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 Bank acc. No. to unknown persons? |
| Sometimes people from african country sent email asking bank acc. no as they want to invest in my country and i can be their trustworthy person. what is it ?... |
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 Why are people so brain washed that they think paying off there credit cards is a good thing? |
| Seriously it means we would only be slaves to a credit card company. So who are we really working for and why is our country debit base and not positively based. Wouldn't it be better to take ... |
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 Where can a 16-year-old get a loan? |
| can a 16 year-old get a loan or an overdraft?... |
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 Too much debt? |
I am about $40,000 in debt from 5 years of post secondary education. I am 26 years old and make about $44,000.
Do I have too much debt? Anyone have any interesting solutions to bring ... |
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Gayle | Credit card question? |
Hi, I'm asking this because this is my first credit card and I'm not sure if this is possible. I don't want to call and ask the company who issued the card because they won't appreciate what I want to do. I have a 2,000 credit line. I've used almost all of it up. I get a "0" APR for nine months as an introductory deal. Also, "0" finance charge for nine months. If I pay off all of the money before the nine months are over, can I just cancel the card and walk away without having anything more to pay? It seems as if I should be able to. They won't like it because they will not have made any money off the deal but they can't charge me something for doing this, right? Thanks. |
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CrackBerry Addict
|
Absolutely you can do this. Your FICO score might take a hit if you close the account, though.
If you are going to continue using debt (which I don't recommend) your best bet is to pay off the entire balance and leave the card open so you still have that $2,000 credit showing on your account. You could also charge small items on the account, then pay it off once you receive your statement. That will do the most to help your FICO score. |
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daddyjohndeer
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Yes pay it off. |
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Dee
 |
check your terms and conditions, but usually the answer is yes - I have done the same thing a couple of times! |
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KathyS
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You can do this but it wont be good for your credit. Just keep the card and dont use it. |
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Mark G
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Yes, as long as you pay them back what you owe, you'll have paid them no extra money, but remember, credit card companies don't only make their money from you. They make their money from charging the shop 1-3% for the convenience of using a secure system and not having to bank all that cash.
Somebody else will probably have more to say on that. |
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Billie
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Never hesitate to call the company and ask specific question.s This is a business arrangement, not schoolyard politics. |
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tw158
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Yes you are correct. Just make sure to pay it all off in 9 months and you will be set! |
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Frank
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BEWARE!!!!!
The whole reason for the 9 months introductory rate is to get people to take the card, they already know that the a certain percentage will pay off the balance and that a certain percentage of people will carry the balance....
MAKE SURE YOU PAY IT OFF>>>AND DO NOT GET ANY MORE CREDIT UNTIL YOU DO THIS!!!! |
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Elmo
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Yes you can |
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Walter M- Barbara
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It sounds feasible, but what credit card company will carry
you nine months without assessing an interest charge?
I doubt if you can get by without some interest. Did you read
the fine print in the brochure they always send with the new card? I feel that you are going to be assessed, the advertisement was just a come on. Find out and let your answer and question know! |
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Bette
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First of all, you should never use more than 30-50% of the credit limit on a credit card because it will lower your credit score. Second, you can pay off the balance, but do not cancel the card - that will lower your credit score - just don't use the card, but leave it open. No, they would not have made any money off you as far as interest is concerned, but they have made money off the merchants you used to pay for something with the credit card because they charge fees to merchants - from 1.5 to 3.5 % for each charge. So, they have made money just not from you paying interest. Please don't cancel the card, just pay it off and in the future do not use more than 30% of the balance at any time. Protect your credit score and don't cancel the card. |
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