 I was served papers for an overdure credit card? |
Okay so I got served papers for an outstanding credit card debit.
The balance is now $6,000, but the credit limit qas $2,000. I had called the company several times to try and set up a ... |
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 Suggest credit card good one? |
| which credit card is good?... |
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 Capital one card? |
| iv just been offered a capital one card and can have up to 2500 pounds say i spent all of that what what kind of payment would they want each month and are capital one a good card company to go with ... |
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 Is it dangerous to give ur credit card number online? |
| ok i have never bought anything online.....but i really want to pre-order the 4th book of twilight series online at amazon.com and they ask for u credit card number over there.........is there any ... |
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 Is it better to pay off current non-delinquent debt or my spouse's past credit delinquency? |
| We are trying to clean up our credit scores and are about to come into some money. We know we need to pay off some debt, but are unsure whether to pay off old delinquency's or if it is better ... |
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 I am trying to apply for a loan asap, but i am not on electoral roll..? |
i am really distressed at the moment as i need to borrow money urgently.
please help me, my car is on my name and so are bank statements,
thank ... |
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 Is it a good idea to borrow money? |
| Is it a good Idea to borrow money of your bank, and your friends or family?... |
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 Seriously in debt and living in fear? |
| What are the chances of a couple lasting that are seriously in debt? They have already broken up 3 times in 6 years. They both owe 7 years back payment in taxes plus 60,000 dollars each on other ... |
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 What are the loopholes in which I can make my credit rating erased or much better then they are today? |
| My credit rating is bad, and I don't know what I owe from the past, how do I find out and what to do about my bad credit. I have been told there are loopholes in fixing my bad credit rating, but ... |
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 How does bankruptcy affects cosigners? |
| I am considering filing for bankruptcy, but I have cosigners on equipment I leased for my business. Is there a way to file without involving my cosigners? I would be filing for personal bankruptcy ... |
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 How long does bad credit follow you?Can and old bad debt resurface? |
| I was told bad debt may linger or re-surface when debt is sold to a collection ... |
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 Can debt collectors do this? |
| Okay I have a credit card that I haven't paid on in a year. I did try to pay it off last February in full because they sent me a letter saying I need to pay by the 14th. I called and said I ... |
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 Credit and marriage? |
| If I was to marry would my bad credit affect my husbands credit...and would his good credit affect mine?... |
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 Simple CREDIT CARD question. Please help if you can? |
Hi
I don't really understnad how the whole banking thing works and was just wondering if someone could help me.
I just checked my credit card details through online banking.... |
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 Bad credit loans? |
| i have bad credit but need a small personal loan with no upfront fee. Can anybody help me?... |
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 Where can I get a "real" free credit report on the web? Anyone know a ..? |
real site that does this without having to sing up for anything or get spammed?
thanx
Additional Details
Oh I forgot to add this I am from Canada and freecreditreport site ... |
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 Should I pay this off?? |
| I received an offer in the mail for a settlement on an old credit card debt. It's almost 10 years old. Do these fall off of a credit report or should I pay it? I cannot find any information as a ... |
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Stephanie | Do I need a credit card? |
I just graduated from a graduate program. I have never had an actual credit card, just a bank account with a credit/debit card. My BF told me I needed to get a credit card to establish my credit to get a house, etc. Should I get one? and which ones offer the lowest interest rates and annual fees? |
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SPIFIMAN1
 |
Credit cards are the fastest way to establish good credit, you will need at least 2 but use them correctly.
By that I mean use them for every day things, never exceed 30% of your credit limit in any given month and pay them off in full before the due date.
If you follow this simple plan you will never pay any interest and your score will shoot up fast.
I actually have 2 cards that I do this with and they pay me money back every year because of the cash back rewards programs. |
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Chris O
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A credit card is good as long you can handle the responsibilty and pay everything off at the end of the month.
When we got our mortgage I had put over $30,000 on my card (no late payments), and my GF barely used hers. But she actually had a better rating because she had more diverse types of credit (student loans, car payments, etc) that she kept in good order.
That being said, if you already have established yourself as a safe risk using other methods of credit I said above, getting a CC for yourself isn't urgent, especially if you may be becoming a co applicant on your BF's at a later date. |
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love333
 |
You need to establish credit. If you want to get a credit card, here is the link that provides all the information you need to get a credit card.
http://bestcreditcardratings.com/low-interest-cards/
http://bestcreditcardratings.com/cash-back-cards/
http://bestcreditcardratings.com/student-credit-cards/ |
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Not bilingual
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No - dont do it. You do not NEED a credit card. Maybe ask what your bf credit rating is and how much debt he has. Also, go speak with a qualified and reputable lender first. Yeah, yeah, you'll pay off your purchases every month. The credit card industry is a multi billion dollar industry - think about it. Also think outside of the box....the idea is to not need credit for anything. The goal is to be able to own your house and be financially independent. The real estate market is in turmoil right now. Ill bet people are dying to owner finance houses to get out from under the payment. Also, try living meager until you have the money to buy a house outright. Put money in a high yeild account until you have it saved up. Your an educated person.... more educated than most of America - dont make the same decisions most people are making - your smarter than that (plus look how the average persons finances have turned out!). |
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Abcd
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check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates, fees and rewards. |
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JB
|
It isn't true that you need a credit card to get by in life. That's what people in debt want you to believe. That's what the credit card companies want to you believe. That's what finance manager want you to believe. That's why the average person carries at least $8,000 dollars in credit card debt.
A credit history is a report card of you adult life. Don't flunk it by going into debt so that one day you can go further into debt.
And remember that one credit card or two or five credit card used wisely and paid off every month does not mean you will have a good credit score. 35 percent of your score is payment history. 30 percent is the amount owed. 15 percent is length of credit history. 10 percent is new credit. 10 percent is types of credit. So a credit card is not enough.
People will tell you to get a card that pays you back. Do you really think the money they pay back to you is anywhere close to the interest you pay them. No way.
You can get a mortgage with a fico score of zero. It's called a manually underwritten loan. The interest rates are as good as your circumstances. They take life into account rather than a fico score.
Finally, don't take advice about money from broke people. |
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shhbanvar
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u need cc if in future u want to buy a house or lease a car.
here compare lowest interest rates and annual fees
http://www.bestcreditrates.net |
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younghawes
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No you don't need a credit card. The interest rate on those things are so high. If you can't handle it don't get it. And If you are a big shopper don't get it you will stay in debit.
I am 41 and I don't have one, my husband have one just in case of a emergency. |
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raymo73
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You will need to establish credit unless you have enough cash to buy everything you need/want. Including houses, cars, vacations, etc. |
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Sonya
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you definitley should. you need to build credit if you want to buy a house or car. you have to shop around to find the card that is the best for you, because it all depends on what you are going to spend it on. |
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Erika M
 |
no, credit cards are bad, well only if you are not responsible |
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kelly
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if you do get a credit card just make sure that you try to pay off that amount each month, I would rather see you get a car and make your monthly payment a credit card in just dangerous you charge it then pay 20% in intrest a month for what you purchase. |
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Jon
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yes, you need to build your credit,
just remember the golden rule.....
credit cards are not for your benefit, they are for taking more money away from you !
So dont spend unless you can afford to pay them off in a timeley manner. Try to get cards with extended 0% APR offers
always pay on time... or you will be making your credit score worse, not better. |
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heybulldog
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You don't need a credit card and you don't need to obsess with the fico score. Obsessing with the fico score brings nothing but debt.
You have to borrow money and pay it back on time to get a high fico score. You have to keep borrowing money and keep making payments on time to keep a high fico score. All you get is debt.
Pay as you go. Live on less money than you make and you will have money.
The bankers and their loyal followers are gonna tell you different but,
Debt free is the way to be!
The only time you might have to borrow money is for a home. You can do that without a fico score. It's called manual underwriting. It's not a sub prime loan. It's the way loans where givin' before all the fico score worship. You can get the lowest interest rates available.
Debt free is the way to be! |
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