 My husband just found out that his father has ruined his credit, $214,000.00 worth! What can be done? |
| he found out he has a house in his name, businesses, cars, utilities, starting when he was 10 years old!!!... |
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 If I elect to pay a credit card balance in full via direct debit...? |
Will I be charged interest on the days inbetween the payment being sent & the card company receaving it?
Thanks.... |
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 Incease in credit score? |
| My current credit score is 650. If I pay my bills on time for 2 months, do not apply for ant new card or loans, use only 25% of available credit, will it increase to 700 by the end of december?... |
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 I just got a CREDITCARD offer in the mail today with a 5,000 credit limit but i never ever had a credit card? |
| and my dad has several and he always told me to never get one because it will be diaster but i really need to pay my bills and my job sucks. Im a nurse aide so should i keep the credit card?????... |
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 Husband has done a runner and left me to deal with his debt? |
| My husband has done a runner to canada recently because he owes a huge amount of money in the UK. He has dual nationaility and his parents are over there so he has gone to live with them and get a ... |
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 Why do companies do credit checks before hiring someone? |
| I don't understand this. What purpose does it serve? You're trying to get a good job to build your credit back up. You;re applying for a job, not a bank loan. As long as you are otherwise ... |
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 What happens if my credit card bill has been sent to attorney for collection, and I still don't pay? |
| I have no money. We have had a very hard year. I cannot pay these bills. i have 2 credit cards turned over to an attorney and a hospital bill at collections. My credit is already shot, after ... |
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 Getting more credit cards help to keep a good credit record??? |
Hi i just want to know if the quantity of credit cards a person has, can help to improve his or her credit record?( i dont have my record low ok)
I have 2 already, but i would like to get ... |
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 Math Question. I borrowed $950 and want to repay the amount borrowed plus 10% interest over 19 equal payments |
can someone give me the total? Thanks!
Additional Details
I'm sorry, it would be bi-monthly. Can someone give me the formula? It's always good to learn something new. I ... |
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 How to rebuild my credit? |
I have excrusiatingly horrible credit. (Financial blows such as unemployment, medical and stupidity)
How can I work on rebuilding it? How long can I expect it to take before I have good ... |
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J. | Do most credit cards have annual fees? |
I'm still pretty inexperienced with credit. I've only had one credit card (a Visa) for the past three years, and it has no annual fee. I just got a second (a MasterCard), and it has an annual fee of $79. Should I shop around for a different card sans the annual fee and nix the new one? Or will most cards charge an annual fee? |
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jeffedl
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Once you have established credit, most do not have annual fees, and if they do you can usually get them waived.
I would encourage you if possible to stick to one credit card anyway, and if you get a better deal on one call your credit company and ask them to match it. If they can't match the deal on the second one, then transfer the debt and cancel the first one. It's too easy to get into a bad cycle! |
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Chloe
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All credit cards are scamola, annual fee or no annual fee. Try using it for things like car rental (required) only, and get a debit card for other purchases. It works the same as a credit card for online and other purchases, but with NO interest, NO annual fee.
A lot of people who are inexperienced with credit can run themselves into financial ruin. Don't let this happen to you. They are big corporations scamming the little guy for interest. Try to use it as infrequently as possible and pay it in full immediately if you do need to use it for anything. don't spend money you don't already have. The debit card is your friend. The credit card- not so much! |
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Heather
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SHOP AROUND!
I have 4 credit cards & not one has an annual fee!!! You will find them! Why should you pay them to charge you ridiculous interest rates?
Good Luck! |
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luciousgreeneyedlady
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all credit card applications have a disclosure on whether or not there are annual fees. Read everything thouroghly before you even fill out the application. |
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lucifer
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virgin is the best |
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AB
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Yes, shop around, many cards have no annual fee. Go to http://www.bankrate.com/brm/rate/cc_home.asp
There are a list of cc's that specifically have no annual fee. |
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G
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does the annual fee card come with a low interest rate? look at the big picture -- if you are paying 32% interest with no annual fee you are better off with a 21% and the annual fee. |
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gettin'real
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If you have really good credit, there is no reason why you should ever pay a fee. The exception would be American Express, which used to charge a fee to everyone AND require monthly pay off in full. Might check to see if that is still true.
A word, if I may?
You've heard a lot I'm sure re. debt , but do keep it at a minimum.
Many who have had a catastrophic illness ( a stroke can hit any one of us , any age, any time, or a truck for that matter!) end up going from flawless credit to tonal bankruptcy.
This is hard on you, family, everyone.
Just take the long view & periodically asses how much credit you have outstanding compared to losing your ability to pay it off, what you stand to lose, & whether for a temporary reason or permanent.
Best wishes & best of health to you.
EDITY: btw, in the fine print on all credit card accounts, there is a clause which stipulates that if you make one late payment on ONE card, every single other, unrelated, other company's card can & will increase your interest rate and I believe your monthly pay amount too. Dateline did a special report on this about a year & a half ago, very enligjhtening & empowering for a consumer to see. |
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Lily
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Mine doesn't... Virgin Credit card... which is a Mastercard.
Shop around kiddo :) |
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vballchic_5
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You need to be careful on what credit cards to use, I have both a Citi card which is mastercard and a discover. I love discover because it has no annual fee and i get cash back. Right now i get 5% cash back on any restaurant i use my card at! And there is other things through the year that you get 5% for. Go to discovercard.com Hope this helps? |
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Shirrwood
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Well there is pretty a bunch of credit cards with no annual fee, but this is covered by interest rates or other fees. See the examples at http://www.low-interest-rate-visa-credit-cards.com/No-Annual-Fee-Cards-916824-page.php. There you can study some cards - they are usually for good credit score. |
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NONAME
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some do some dont - get the cards that dont |
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