 Getting out of credit card debt? |
| Can anyone offer really good tips on how to get out of credit card debt? I'm just like my mom and money burns holes in my pockets, I just can't seem to buckle down and just "do it"... |
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 Credit card? |
| Im up to my neck in debt with my credit card, what i want to know is if i close my credit card account, do the monthly interest owing on that card stop..therfor allowing me to pay of the remainder ... |
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 Why can't student loans be taken off in a chapter 7 bankruptcy? |
| If someone is declaring bankruptcy, they have no money to pay their bills. So how does the system expect the person to payback a massive student loan (ie. $53,000.00)... |
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 How will paying off my debt affect my credit report? |
| I am past due on a $5000 student loan and past due on another $2000 personal loan.......I'm working a great job now and I have a lump sum of money coming in the next two months that will allow ... |
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 Is it better to pay off my credit cards slowly or get a consolidation loan and pay off everything at once? |
| I have the opportunity to get a $10,000 consolidation loan to pay off all my cards ($6,000) but I'm not sure that's a good idea. I would like to raise my credit score to make a major ... |
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 Which credit card can i get if i have no credit? |
| i have absolutely no credit, who will give me a card to help build my credit?... |
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 Credit card fraud...What will happen if I don't want to press charges? |
| Someone that I know used my name on a credit card without my permission. I know this person, and don't want to press charges. My brother however called an investigater because he is really mad ... |
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 I have NO credit history, where can I get a credit card from? |
| I'm in my early twenties. I'm not a student. I also need one that reports my limit to credit bureaus so I can build credit. My bank declined my credit card application because I have no ... |
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 Is it Possible for two people to have the same Social Security #? |
| I just found out that someone has a credit card in their name but using my social security number. I have never seen it on my credit report, and when I spoke to the credit card company they said this ... |
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 Where can I get a high risk personal unsecured loan without a cosigner? |
| I have really bad credit however I am trying to play catch up with my bills. Because of medical reasons I was off from both of my jobs. I work two jobs and I can pay over $300 a month on a $12000 ... |
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 Please HELP, Im going to cry. This seller/website has my credit card info, and they ripped me off? |
I found a site a body jewelry site on google last week, and placed an order.
I contacted the owner of the site last week and asked a general question about my order and received no reply.<... |
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 How did $10,000 debt disappear? |
I racked up $10,000 in debt at college while psychiatrically disabled. I used to get a letter asking for payment every month.
Now I don't get anything from them. Its been over a year now ... |
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| Can they hold you legally responsible for the debt if you are an authorized user on a credit card? |
Additional Details
the credit card is not mine, i was just added as an authorized user. isn't the holder of the account responsible.... |
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 My parents paid off my credit card for me and now I'm recieving all these offers for credit cards in the mail |
| can someone explain how I can keep these from coming? Because I don't need any more credit cards and this is just a waste of paper for them and I'm a little uncomfortable about my personal ... |
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 I need help my brother need wants to join but he hasnt got a credit card yet he 18 but he does now want one? |
I need help my brother need wants to join but he hasnt got a credit card yet he 18 but he does now want one so what sould he do reply thanks
Additional Details
sorry i spelt loades of ... |
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 What is the difference between a bank and a credit union? |
| which one is more likely to aproove me for a personal loan?... |
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 Is this a good offer for a credit card? |
| Its a Mastercard from Capital One, the credit line is $300, 0% APR on purchases until May 2008 - 9.9% after that and a $59 annual fee. I have 1 other credit card, Visa from WaMu with a $500 credit ... |
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......? | Do you have to have credit card? |
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Msknowitall
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No, you don't have to. But things in life are easier with credit cards.
First, things like renting a car are easier. Many car rental places will perform a credit check to determine if you are worthy of renting if you pay with a debit card (or cash).
If you use a debit card to check into a hotel or to rent a car, a temporary 'hold' is placed on your account for an arbitrary amount (normally a couple hundred) so even though you don't owe the money yet, you can't get to it. I've used my debit card to check in to a hotel and paid cash when I checked out and I still couldn't get to the money that was being 'held' for a few days.
The biggest reason to have a credit card is to build a history of using revolving debt. Revolving debt makes up a large part of your credit score. If you ever plan on financing any large purchases in your life (car, house), you want good credit.
(Note: if you won't pay the bill on time or if you are going to run up a balance and pay a lot of interest, don't get a credit card.)
If you want a credit card but have no or bad credit, a secured card is a good choice. Pick one with no or low fees. Bankrate.com has a good list: http://bankrate.com/brm/rate/cc_ratehome.asp?web=brm&state=US&prodtype=cc&R1=1&card_type=Secured&card_class=All&max_recs=50 |
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dad
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Debit card works just as well |
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?
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HELL NO I DO NOT HAVE ANY AND DOING JUST FINE |
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Rianna
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It's not necessary to have a credit card. In fact, there are lot of credit card's holder announced bankruptcy because of credit card. |
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"Vallamkali"
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This is how you build up a credit rating. |
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DLeibowitz
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No - you can have a debit card if you really want to carry plastic instead of cash. |
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pattibcacl
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No I don,t have a credit card too much of a headache |
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beauty s
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no,but it helps your credit score.. |
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ilyn
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Not necessarily. But if you feel like owning one then maybe you can maintain just one credit card. You will just be tempted to have unnecessary purchases if you have many. And avoid having cash advances and small purchases. Its good to have a credit card if you wont allow it to manipulate you instead of you controlling it. |
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noellegrace@sbcglobal.net
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the only reason you would need a credit card is if you want to rent a car. You could use a debit card but theyll take the deposit money out right away like ($300) where as a credit card they just run it to make sure its good then they charge you when you bring the car back. Its not a good idea to uses your credit cards unless you can pay them off every month. |
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ditto
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no, you don't have to have a credit card, but they are handy when there is an emergency. What if someone in the family became ill and you had to go to a city where they lived. If you don't have a big checking acct, how else would you pay for the trip? Life doesn't revolve around paydays, so it's best to have something else to turn to when in need. |
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Mariposa
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Not a personal credit card. |
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stone m
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"Yes, its good to have a credit card. It helps in need of money, instead of asking your colleagues, relatives in time of need, you can use the plastic card.
Go for a rewards Credit Card:
Reward credit cards reward you when you spend on the credit card. Normally, you can collect rewards through 3 ways.
* It involves earning cash back on the card, it depends on the amount you spend.
* Next one involves giving points to the customers. They can be redeemed for gifts like cosmetics, shoes, water heater, mobiles and other goodies which the credit card company offers.
* The last method of reward is providing airmiles. Airmiles are highly popular reward, as many customers like to redeem them for free flights or flight upgrades. Whatever type of reward credit card you opt for, carefully note the amount or rate at which rewards will accrue and also read carefully other terms and conditions.
" |
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cal2mkid
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no they are actually bad because they put you in debt unless you can pay them off |
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