 What are the top 5 ways to build or rebuild your Credit score? |
| I've seen a few suggestions on the board, and put a few up myself as answering another person's question, but out of all the techniques out there, what are the 5 or 6 you find most ... |
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 My mother has alot of debt...? |
| My mother has alot of debt, credit card, medical everything. When she passes away is all that debt going to fall on me? The only debt I have is student loans and I do not need over 200,000 dollars in ... |
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 What to do,i have two credit cards with id fraud help?? |
| i have two credit cards,mint and capital one,both have been used with out my knowledge or agreement, i only found this out when statements arrived. neither credit card company will freeze the ... |
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 How do i clear searches on my credit file? |
| i have recieved my credit file for the first time in my life and found no ccj's or anything like that but have found searches from as far back as 2002. nothing on there says iv'e missed a ... |
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 Is there a type of debt consolidation for payday loans? |
| I've met with a lawyer to start to file for bankruptcy. The two main components of my debt are a car repo, which for some reason I still owe around $6000, and some payday loans, which I owe ... |
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 Should I take this offer from a collection agency? |
Recently they sent me an offer for a credit card. Here are portions of the letter that I have edited to keep this short.
Midland Credit Management, Inc. has made an arrangement with J... |
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 Where can i find a good debt consolidation loan? |
| With not so great credit and do not own home for equity.... |
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 If BOFA put me on Chex systems because a bounced check for $4k, will it show up on my credit report? |
| Someone had deposited a check into my bofa acct. i used the funds, than realized the check bounced. They put me into Chex systems and closed my checking acct? If i try to apply for a loan, will it ... |
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 So I let my boyfriend use my credit card.? |
| We broke up, and now he won't pay about three grand, is it worth taking him to court. I know I'm stupid. He has the merchandise purchased with the card, and has been paying the bill on ... |
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 Car Loan Question? |
| I bought a car a couple months ago and took out a 6 grand loan for it. When I took out the loan they said not to pay it off sooner then a year or else it will hurt my credit score since its my first ... |
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| I have been with my mate for 14 years and when we got together I had 30k in my bank account, my credit was excellent, I paid my bills on time and had money left over without touching my bank account. ... |
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 I messed up.? |
| we had a bill from 2006 in our old house. the gas bill was in my then 17 (in 2003) year old sons name, because I had an unpaid bill myself. I had a lot of health problems when we moved last year, and ... |
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 My property has been foreclosed....and i am stuck with$30,000 line of credit? |
| i am thinking of filing for chapter 13 since i also have some credit card debt. is that going to look EXTREMLY bad having both of those marks on me? dont know what to do!!!... |
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 A man who makes 450 grand a year? |
What do you say about that? I just am curious what kind of lifestyle you envision for a man who makes $450,000 a year, and in five years will be making $900,000 year... What say you to THAT!
A... |
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Louise D | Do you have to pay to own a credit card? |
I am thinking about getting a credit card, so I can pay for things over the internet, and then just clear my balance whenever I use it. Would this cost me anything? Do you incur charges if you don't use a credit card?
Thanks :) |
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alatoruk
 |
that is a "how long is a piece of string" question.
most credit card companies dont charge an annual fee anymore - unlike charge card companies. but if you use your credit card as a charge card (paying off full balance) the credit card company makes no money from you. Many have said this is not acceptalbe and are likely to start charging (possibly offset by interest paid over the year).
so the answer is mainly no, with some companies it is yes and it might be yes in the future with all / some of them. |
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Ellie
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Some places have started charging for non-use of a credit card- Lloyds i think being one- it is better to ask before you have one and always read the small print and ask about anything you don't understand. I have one or two that i don't use at all now but i don't pay anthing for not using them.
In making your decision you might like to go to www.moneysavingexpert.com who gives advice on what credit cards are what at the moment and what you can expect from them. |
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banjoman1975
 |
Louise:
First off, I don't use my credit cards when internet ordering, I use my debit card. Couple of reasons: if I have the money to spend, then I am not going into debt, if I run into problems, I can contest the charge and my bank will not pay the bill, etc.
As far as costing on a credit card, READ THE FINE PRINT. Ask lots of questions with a representative of the issuer of the card...some companies charge an annual fee just to possess their card (the nerve of these guys, like they aren't making enough money as it is....)
Hope this helps.....
banjoman1975 |
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plethebest
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Many credit cards do not have a monthly fee even know there have been talks to introduce them. There are charges if you pay in a froune money, fall to pay the bill at the end of the month, using the card to exshane money to a different currenly. |
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brokerstorage
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If you have good credit you can get many cards without a fee. If you have bad credit yes you can get a credit card but it usually comes with a sign up or monthly or yearly fee. |
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simplesimon
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No. No and no.
You should be able to get a credit card from your current bank quite easily, that will have a sufficent balance to cover most normal payments over the internet (you may need to speak to them, or pay if you want a big balances (i.e. many several thousand) straight away without a credit history).
If you repay on time you will not incur charges.
Indeed, there are good reasons for doing this which include:
* Broadly speaking, you do get a better degree of protection using a credit card than a debit card (at least under the Consumer Credit Act)
* It can help to establish a credit rating (which is essentially a record of your ability to repay debt) which is useful when you come to buying something big and exciting like a house.
Hope this helps! |
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simplicity
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It doesnt cost anything to get a credit card, but as soon as you purchase something with it there will be interest charged. You need to have good credit to be approved by the credit card company. If you do not use it and just keep it in your wallet there will not be any charges in-cured. |
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Niall S
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some banks charge an annual fee, some don't, but in the long run you will get stung by the rates! |
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kevin p
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no of course not |
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