 As I started a finance education course recently, I realized how destructive the credit card system is to? |
the country and the world. What can be done as an alternative so we can take back our freedom and sanity from the credit card companies?
Additional Details
for those of you who are not ... |
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 I can not a pay my credit card got no insurance on it? |
| IVE NO INSURANCE ON MY CREDIIT CARD IF I LOSE MY JOB AND I CAN NOT AFFORD TO PAY... |
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 Where can i find my credit card number? |
This appeared on amazon;
Important Messages
The credit card number you entered was invalid.
The data you entered for the payment method was invalid. Please re-enter it and ... |
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 3 years ago my credit card account went to a debt collections agency - can i pay it off and get my card back? |
| Probably havent paid any money for about a year as my circumstances changed and my account went to a debt company. i owe about 800 pound, maybe 1k now with charges. I havent had communication with ... |
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 I have four charge off Items on my credit 3 years old & less then $400 Will it help or hurt my credit if I pay |
| 3 years ago I hit a rough stretch and defaulted on a cell phone bill and a few doctors bills. I want to know if I paid these Items now, If it helps or hurts my credit score. All four are listed as ... |
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 Transfuring a credit card balance to a 0% card. what to do??? |
Hi, I got an offer to transfer a balance to a new card . I not sure how this works.
1. If I decide to transfer, Do I have to close old card because I still have half the limit left on ... |
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| A few questions about credit cards? |
I was thinking of getting a credit card ..but before i do i have a few questions and i am hoping someone will be able to help me.
I was thinking of starting with a credit card of a limit of $500 ... |
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 Are you supposed to pay your credit card bill in full every time? |
| I have heard a few different theories regarding building your credit using a credit card...I have paid off my credit card IN FULL every time the bill is due. Some people tell me that if I just pay ... |
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 Collection agency.? |
| Wow, I just talked to one of the agent and he was quit rude; I asked if I can work out a payment arrangement or pay a lower amount so I can pay it full and he said "we don't give out ... |
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| What is the point of holding on to paycheck stubs/reciepts??? |
Some one told me to hang on to my paycheck stubs and reciepts that i get from using my debit card...
why would i need to hold on to these things and when can i shred them??... |
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 How can I get out of the payday loan trap.? |
| I have fallen into the payday loan trap and am looking for a way out. Any advice will be appreciated.... |
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 Can a collection agency but my account and then file a judgement againgt me? |
| a collection agency is sueing me for an account i had with a credit card company. The credit card company charged off the debt. Is this legal? can this be done?... |
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`~Its love~` | Debit card or ATM!!!? |
I want to be able to build credit...Without the stress...How can I make sure I'm doing things right...Credit Card or What...Still a bit young...So...I ask my bank and they said ATM or Debit Card...I don't know what I want...But I need something!!! |
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catzrme
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Use the debit card that your bank supplies. It will help you build you credit and you can't overspend with it. You can only spend up to what you have in your checking account. |
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BILL
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get a debit card with a visa logo on it if you can , If you have no credit ask a banker at your bank to help you decide how to go about building your credit.
Good Luck |
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alexa dion
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Vampir V
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Hey!
How young you are? - Don't apply for a credit card when you are very young. First you have to 'learn' how to handle money. That's very important for your future life.
Take a Debit Card from your bank. So you are only able to spend the money you have in your account. And not more!
Credit Cards are 'dangerous' and can ruin your whole life.
Be careful and good luck.
:-) |
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dousmokedoobies69
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'~Hi Irene~',
I have had my debit card forever, this way when I use it I know it comes right outta my checking account as long as I remember to write it in. At the same time I can use it a any ATM (but usually there's a fee ) unless it's at my own bank. I never over spend. I'd say you should get a bank debit card with a visa or master on it. You can use at restraunts, book stores, shoes or anything you want. It comes right out of checking account, I have never been over my limit or over drawn.
Have a good night. :0)
Additional Details: Credit cards are not a good idea to build credit as the fees & add fees if you don't pay on time add up.. If you have a telephone company, electric bill, car insurance etc. these will work as you pay monthly & usually on time as you build your credit. If you get a credit card the only time to use it would be for a emergency then be sure to pay it off right away. |
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HITMAN
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Actually when you open a checking or savings account you are given the opportunity for a free debt card. This in no way will help your credit score. This just gives you the flexability to make purchases at stores without hand writing a check. To build credit you need to start with a small credit card that you open, use periodically, and pay it off each month. Two of the most common for people with limited credit is Discover and Providian.
If you are using your debt card at a store and they ask credit or debt always say credit...this is confusing but if you use the card as a debt they will ask for a pin number, this will cause the bank to charge you a fee. The only time you use a debt card and a debt is in an ATM machine because their is no choice. |
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djmaximus
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Debit card. You dont run as big a risk spending what you dont have. |
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sabri
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An ATM can only be used at your banks ATM machine. You may use it at other banks but they will charge you for it. A debit card can be used at both the ATM machine and also at stores, online etc.....
You might be interested in the Visa Debit Card which is a renewable prepaid Visa debit card with Credit Builder. if you are intersted in learning more or applying for the debit card follow the link below. |
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Carolinahomerates.com
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Neither. Only lines of credit build credit not DEBIT cards or ATM cards....even if they have the VISA LOGO.
I worked at BofA, and giving a person a Visa Check Card would do NOTHING to their credit.
The point is that YOU'RE NOT BORROWING MONEY.
When you borrow money like student loans, credit cards, mortgages, auto loans, etc that's when the Creditor (person who lends you the money) will report your On Time/Lateness to the 3 credit Bureaus.
Banks may offer PrePaid Credit Cards which will allow you to build credit, but it's better to get the regular credit card. |
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hrt5147@sbcglobal.net
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An ATM card-at least at my bank-only accesses the funds you have on deposit. A credit card allows you to buy now and pay later. IF you make timely monthly payments and pay all of--or more than just the interest-you can build up a credit rating quite soon.But remember to ALWAYS pay early so you are TIMELY. Good luck. |
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