 I owe $10,010.14 to my three credit cards put together, i need help really bad real soon!? |
| Is there anyway i can maybe apply for another card and pay my creadit cards with that new card that way i just have 1 card to pay off that would make my life sooo much better living on my own sucks i ... |
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 What can you do about a collection agency calling for different person? |
| Colection Agency continuously calls for my father on my home and cell after I repeatedly prove it is not me and give details where he is and yet they still call. What grounds do I have and what all ... |
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 If I don't plan on ever buying a new car or buying a house, should I not care about having good credit? |
| I think i'll never buy a house and I always get used card and pay cash for them. Why should i care if my credit is not good?... |
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 Yes loans have offered me a loan? |
| yes loans have offered me a loan for £2000 at £65 a month the interest is an extra £1200 this is the only sort of place were i can get a loan as i have a really bad credit rating . do you think ... |
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 Should I report a family member for credit card fraud & identity theft? |
| I'm debating turning in my Aunt. She is a cleptomaniac and she steals people's identity to get credit cards in their name. She is out of control. I love her but she needs help but I'm ... |
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| I'm trying to get a home loan. Do you have any tips? (considering the following)? |
Theres going to be me and another person, but both of us have no so good credit scores. We're both working on it, and we have about 2000 to put down.
Any tips would be greatly ... |
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 Serious question: What happens when you get married to someone w/ terrible credit? |
| I have excellent credit & I’m getting married to someone w/ terrible credit, tax leans, & such. What will happen to me when we get married will my credit get ruined? Should I not change ... |
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 What would two 18 year olds need to do to rent an apartment with no credit history? Is it possible? |
| What would we have to do to get an apartment? How do we get credit? If our credit isn't bad because we haven't used it, can we still be approved? Would we have to co-sign with a person ... |
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 Using a Credit Card to Pay Off a Credit Card? |
Does anyone know a way to use a credit card to pay off a credit card and in the process no interest is accumulated?
Additional Details
Lets say I have two credit cards. I use one and ... |
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 PayPal, eBay question? |
Does the seller have to pay the PayPal fees if I pay for an auction item with a credit card through PayPal? Are there any other rules on this for eBay?
Additional Details
I have a ... |
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 Should I ditch Capital One, and get a new credit card? |
Hey Guys!
I'm Alex, and really need your advice on this subject. I currently have a Capital One Visa credit card, but seriously thinking about canceling it because I've heard so ... |
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 My husband filed bankruptcy before we got married, I need a new car..........can he cosign for me? |
| I need a new car and I need a cosigner, come to find out, my husband filed for bankruptcy and he didn't even told me until now. The good news is he is about to get discharge, but I need a new ... |
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 Is Debt Settlement a good alternative to bankruptcy? |
| Does Debt Settlement restore your credit in fewer years than bankruptcy if your can't afford debt consolidation?... |
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 Should I get a credit card? |
| I am 19 years old and I want to build my credit up. Would it be a good idea to just get one credit card, a very basic one, and then charge about 50-100 dollars a month on it, and pay it every month. ... |
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heeltap | Do you get around w/o having and using a credit card like people did before the cards were invented? |
If you do or don't, can you share how you feel about dependency on credit cards in lieu of cash?
Additional Details
Informative answers are helpful and appreciated. |
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million$gon
 |
Yes ! I caught up with debts, and I don't use credit cards much anymore. Its just for making hotel and travel reservations now. Wow ! The extra spending money I have now because I don't have to hand money over to Visa or Mastercard as interest ! I was getting robbed by the interest charges, worse than taxes ! Now I can chip in a bit of money to a lottery and have a chance to win and still have more money left than when I used Visa or MC all the time. The debit card made it possible, because its just as convenient, and I still don't have to carry much cash at any time, and its safer because I don't have to worry as much if I misplace it and someone finds it. |
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heybulldog
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credit cards. I played the game. I use to worship the fico. All i got was debt.
It was hard at first to give up my credit card. It was a sense of security for me. Once I canceled my cards. The sense of security became a sense of freedom.
Credit cards are a crutch.
Debt free is the way to be! |
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CrackBerry Addict
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I no longer use credit cards at all. People believe you need them in order to survive, and you don't.
Instead of carrying around cash for large purchases I use a checking debit card. A debit card is linked to your checking account so whatever is in the account is what you can use. It is similar to cash, but gives you the convenience of a credit card. You can use debit cards for car rentals (not all of them) and for hotels.
Using a debit card is more like using cash because it is linked to the money you have. If you are going to continue using debt (which I don't recommend) then I would recommend only using it sparingly and make sure to pay off the balance before the month is over. |
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MJ
 |
I got sick of cards (after a divorce) for a number of years and did NOT use them at all. However, I used a debit card with a Visa logo. It's tough to go around without plastic (at least a debit card). And you can use it just as they say, whereever Visa logo is honored. However, you have to be a little careful with hotel rooms and rental cars. Not every rental car agency will accept a debit card. The hotels and rental car agencies that DO accept them actually put a charge/deposit against your card that will reduce available funds on your account. If you have plenty of funds, it's no problem. When you pay the charge/check out/finalize transaction, any overage is credited back to your account. However, you have to be aware of this.
Now I use credit cards for the rewards and pay them off each month. It's actually nice to recieve a check from the credit card companies for using the card.
Good luck; it can be done! You don't have to carry a bunch of cash to get by!
*if you are really interested in this, take a look or listen to Dave Ramsey and his teachings/books (Financial Peace University) Daveramsey.com, he is syndicated on radio daily all over. |
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Ralph N
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I only use cash. If there is no money in my pocket, i do not go in a hole. |
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karen g
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I think that the best solution is a half and half approach.
I would Not feel comfortable walking around with $500.00 if I knew I was going to make a large purchase. I also like the protection that the cards provide.
A card is also very useful in renting cars and settling disputes with merchants (if you did not get the goods you ordered with a cash payment - be ready to get your picket signs out and march in front of the business)
I don't think that anyone has to DEPEND on credit cards and that it is an individual choice to do so! |
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Christina K
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I use credit cards to build my credit history. However, I prefer to use my debit check card which does the same thing and takes the money from my checking right away. Most purchases are also insured or back by my credit card company as well.
I hate depending on credit cards, however, I do appreciate the incentives they offer. I use the generous discounts with their partner companies whenever I can and take advantage of travel deals. If I have the cash, I charge for the incentives and pay it off when the bill is due. It takes a lot of discipline to do this though as it is very easy to get carried away and lose track of all purchases. |
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audrey
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i totally agree with karen. |
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creoquemierdero
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You don't. You need a credit card to rent a car or get a motel room... they won't take cash for either of those things. |
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JB
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I don't use credit cards at all. There's nothing you can do with a credit card that you can't do with a bank check card. It's been proven that people who pay with credit cards tend to spend more money than they would by using cash. |
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dewkisses02
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Most people would use cash.
I think credit cards in the hands of idiots are the worst thing in the world. |
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curiouscanadian
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Well I have evolved to only putting $200 on my credit card and paying it off at the end of the month. Would love it if I was able to pay that $200 off, put my card in the freezer and just live within my budget! |
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taurus5339
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I carry my Discover Card to make all my purchases,but don't
go over what I get monthly.So I pay it off when it comes in so
I have never paid any finance charges on it.Plus I get money
back every month & use that towards my bill. If I used cash I
would never get the $20.00 back its like getting free money. |
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