 How can I get out of debt? |
| I am swimming in credit card debt. I've got creditors calling my house and on some cards I can't make the minimum payment. I feel like I will never ever be good with money.... |
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 How should I handle my upside down car loan? |
| I owe 11,000 on my 2007 car that I bought new, it is worth only 8K to sell privately and 7K or less for trade in. Obviously I bought it from a crook of a car salesman while I had bad credit, big ... |
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 Is it easy to get a loan for bussiness (100K)? |
| how can i take out 100 K is it easy and if so what about my credit? pls helpp any general tips would ... |
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 I've had a Capital One card for a Year,When will they raise my limit? |
| Hi..I've had my credit card for a little over a year now,And i have a limit of 500..it was 300 when i first got it..and a couple months latter they raised it to 500.But that has been about 8 ... |
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 What would help my credit score more? Pay off some collections, or pay down credit cards? |
| I have $90 and $160 collection accounts I can pay, or I have about $3000 of credit card debt I could pay a few hundred on maybe. I am trying to pump up my low credit score within the next month or ... |
|
 Planning to marry? |
I am planning to marry my long-time companion
here is the problem. He is unemployed due to a disability his credit is really bad owing student loans and IRS. I have a good job and my credit is ... |
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 What is my credit score? |
| I got my report back from transunion and its only a two page report but know where on it does it have my credit score. Does anyone else know where its located on the report or what????... |
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 How do I go about consolidating 10,000$ worth of credit card debt without using a debt management company? |
| Myself and my soon to be fiance are in a lot of credit card debt. Between the both of us we always pay our bills on time but now it is starting to become a problem where it is getting overwhelming. I ... |
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 What are pay day loans? Are they scams or rip-offs? |
| I'm having trouble getting a loan for $1000, I am considering a pay day loan, but don't know what they are.... |
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 Is is better to close a credit card when you pay it off or leave it open? |
| I heard that it helps w/ debt to income ratio...I had a few cards, paid some off & transferred balances..now I have two, One w/ a balance on a 0% card & one that is paid off, but still open &... |
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 Capital One Platinum Visa credit card? |
I have a capital one Planity credit card, they gave me a $2000 limit, I'm a college student. My interest is around 20%.
Does anyone else have the Captial one Visa Plantium Credit card and ... |
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 Help - A collection agency is trying to strong arm me!? |
| I've been trying to improve my credit, but with lots of old bills and living paycheck to paycheck, I have a ways to go and it's going to take some time. An old Visa account of mine was ... |
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 Would open up a new line of credit, i.e. credit card, loan, etc. hurt my credit score? |
| My current credit score is mid-500. We are planning to purchase our first home in the near future.... |
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 Is it bad to sign up for credit cards just to get rewards points? |
| I sign up for 5-10 credit cards a year solely based on the fact that they'll give me $50-$100 in rewards points for using it once. I pay my balance in full every month. Is it hurting my credit ... |
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 Bankruptcy? |
| i have recently been imformed that the tsb are gonna try and file for my bankruptcy,if they get it does that mean al my other debts will be non payable as i would be ... |
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...... | Credit card question... Please read. I'm confused? |
My credit line is 200.. So my bill will be about $20-30. But Interest is 24 %... So will I have to pay Alot more?
It's my first credit card
Also, If I pay in full- Will I owe interest? |
 |
 
stonemantis
 |
Your credit card interest rate is PROBABLY nothing to worry about if you pay your balance in full.
If your bill is $100 and you pay it before the due date, that's all you'll have to pay. Go one day late though, and BAM you get hit with interest and late fees, etc. If you just pay the minimum, BAM, 24% (annualized) interest charges are added.
Caveat: I said PROBABLY. There ARE credit cards that don't have a "Grace Period" - call yours and verify that you have a grace period. If not, you're paying interest from day 1. |
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IWIU
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nope
unless it was a cash advance, then you owe interest until the day they get the money in their mailbox |
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kjsouder@sbcglobal.net
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If you pay your monthy bill in full there will be no interest. Interest starts after you don't pay the balance in full. If you can do that, then I would. |
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John R
|
If you pay in full, there should be no interest. If you don't pay in full, the 24% is a high interest rate. Try to pay in full for a few months and then ask for an interest rate reduction. They will usually give you an interest rate reduction just for asking for it .... IF you have a good record. |
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PJ
|
Pay it in full if you can and you won't have any interest added. |
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Mary Jo W
|
no
always pay in full |
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xbluebellax
 |
If you pay in full every month? No, no interest. But BE WARNED: if you miss the minimum payment twice in a row (if it's late even by a day), they will jack up the interest rate to the default which is always higher. My first card had a 19% interest rate and a default of 32%. I missed the payment once (the whole check arrived one day late) I had to pay the interest plus a $29 late fee. That's almost $40 for ONE DAY! Be very careful. When I get my paycheck now, I take it into the bank the first day and make the minimum payments on all of my cards as soon as the bills come. The rest I pay over the course of the month. But once you make that minimum payment, your interest rate is secured and you save on the late fee was well. |
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bibal senan
|
Credit cards are the most convenient way to shop online. With credit card comes the ability to shop from anywhere and anytime. Due to all these facilities and simplified online shopping procedures, credit cards are at the centered of an e-commerce boom. But, instances of credit card fraud while online shopping are not unheard and are growing day by day. What can save you from such online credit card frauds? In this two part article series we look at 10 vital tips to make sure that you don't fall into these traps.
1. Yellow lock symbol in your browser's status bar
Modern web browsers ( a software that is used to surf the internet) are quite safe and respond to safe sites. They do it by embedding a yellow lock in the status bar of your browser whenever they go to a secure website. Always check for this yellow lock in the status bar of your browser.
2. https:// and yellow address bar
Whenever you reach a secure website the url of your website will change from http:// to https:// and along with this, if you are using a latest web browser the color of the status bar will also change to yellow. Some browser show a yellow lock right there in the address bar. Read more from:http://www.credit-card-gallery.com/article/363,10_vital_tips_to_make_your_online_shopping_with_credit_cards_safe_and_better_part1 |
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Leprechaun of Jupiter
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if u pay in full then no the minmum amount due each month is the finance charge |
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A.M.O.
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24% of whatever you spent..just grab a calculator. The statement will tell you what your current balance is which will include the interest |
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TESTIFY
|
You only have to pay the interest if you do not make the minimum monthly payment on time. For example, when you get the bill you will have the total balance due, lets say $150 and then you will have an option to either pay it or the minimum payment (usually $10-$15) as long as you pay one or the other by the due date, no interest will accrue. My advice is pay the thing in full and then cut the card up but keep the acct open. That way you are not tempted to spend but you still raise your credit score by having a low debt to income ratio. |
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