 I'm in debt & DO NOT want a bank loan!!!? |
| I'm in debt with $6,500.00 and I recently received a court order that I need to present to court for a hearing on my account. The letter was sent from the lawyers that took the case from the ... |
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 Ordering something online with a credit card? |
| hello ^_^ well i am new to this kind of stuff (ordering online) and i will be using my credit card. ya know when it asks for my credit card number do i put in all the numbers? or am i supposed to ... |
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 What is a good Credit Card? |
| OK I WANT TO START MY CREDIT GOOD! AND I WANT LOW FEES IM 18 AND STILL IN HIGH SCHOOL AND WITH A DECIENT JOB. I WANT TO GET LOAN FOR ABOUT 1500 DOLLARS BECAUSE I WANT TO BUY A MACBOOK. ANY IDEAS?... |
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 Somone has stolen my cash card!!? |
| I went away this weekend and the last time i used my cash card was on Friday the 24th. I returned home and not only was all my wages stolen (over £1000!!!) but they used my cash card to with drawl ... |
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 First credit card selection advice? |
| Hi. I'm a college Student. Currently looking to start building up my credit. I'm going to apply for a credit card here shortly and was wondering if anyone had any advice on any particular ... |
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 What do you do when you actually try to work with a creditor and they say no?? |
| i recently lost my job, and i called my main credit card (with the biggest balance and biggest minimum payment) to try and get them to break up my payment (i couldn't pay it last month, around ... |
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 I lost my debit card. I want to buy something online. How do I find out my number? |
| I lost my debit card. I want to buy something online. How do I find out my number?... |
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 Credit Card Debt..Are you in it?? |
| I know that my wife and I are paying out from under it right now and its difficult. I think that if you ask most people, they are probably ALL in some credit card debt! So... What about you?... |
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 How would you pay this debt. Advice Please!!? |
| I just received a check for my stock that is $3,700.00. Im 22 and want to improve my credit enough to get a loan in about a year to go to flight school about $40,000. My "plus" credit ... |
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 I really messed up, credit score is 504 and I really want to fix it but have no idea how or where to start? |
| I have 3 accounts that show as - bad debt, written off with an outstanding balance. Do I pay them, what can I do to get my credit life back on track or am I screwed forever can I ever recover from ... |
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 Need an emergency loan to pay for move in costs? |
| I'm recently seperated from my wife and we're getting a divorce. She kicked me out of our apt, and I'm at a friends. I can't stay here forever. I need at least $5000 for move in ... |
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 Bill consoladation,pro's and cons? |
| I'm a single mom with good credit standing. the problem is I have too many cards and my spending has gotten out of hand. I'm not in collections but my whole paycheck goes to these bills. I&#... |
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 Does anyone know where I can a $7000.00 loan from maybe a private lender? |
| I am trying to build my credit so i ca nt go through the bank and I am desperate. I need this money for my fathers ... |
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Anvil dale | Do you think a credit card is a friend or foe? |
I have two credit cards. do you think its an advantage or disadvantage for my lifestyle?
I'm working in a call center and I'm already regularized. I have a stable job already. |
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pharm937
|
It depends on your level of self control. If you only purchase what you can afford to pay every month, a credit card is a handy tool. I use mine to earn frequent flyer miles on an airline and will use them on a big vacation next year. If you can't control your spending, a credit card is your worst enemy. |
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santosh j
 |
If you are able to pay the entire amount as soon as you get the bill, it is a friend. If you fail, the interest rate is so high that it pinches or screws up your financial stability. Use only if you are 101% sure of repaying immediately. Or else be prepared to get ruined. |
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mindtelepathy
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Pay cash ! you'll be happier |
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origamimark
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They are a great friend as long as you pay off the balance in full every month. If you do not have the discipline to do that, cut them in half and throw them away. |
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edison
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Friend in emergency providing you pay what is owing off each month.Foe when you can`t the interest is damaging,to you & your health? |
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pratappp2003
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i think credit card is the property of the bank thought that you can used money any time and anyware not a friend or foe |
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drjimoside
 |
thats like condemning the gun for deaths ... its a tool ... any tool misused leads to disastrous results .... its the human element that determines the outcome ... look in the mirror to find your friend or foe when asking this question. |
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one hot mamma
|
FOE! I've always felt if i can't afford to pay cash for something, then i don't need it. if i want something that i can't afford now then i save for it. it's better for me to put those payments in a savings account than to pay finance charges on a credit card. |
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isadorajkimmence
 |
FOE - especially for the working class person. Don't get sick or lose your job - it does not take much to be one ot two paychecks from poverty anymore. And you are going to pay more important items than your CC bills.
Why, because the banks charge exorbitant interest, you get behind a payment or so, then the late fees, over-limit fees, and other fees they sock you with add up fast and before you know it, you're in debt over your head. It does not take much time before the fees almost double what you purchased in the first place. Rates can go from 9% to 29% almost overnight!
Oh, then there is the OTHER CC bill that you didn't pay on time, the first one has the right to bump up your interest rate based upon the fact that you were late on ANOTHER CC company's card and not theirs!
You have the best intentions for paying your bill in time, even paying off the balance, and then you go to charge one day and you're declined. Why, you ask the CC company customer service department, because they say, you keep on paying your bill off and they have the right to deny you the card based on your purchase habits. Yes, it's legal! You see, they can't make money off of you if they aren't collecting interest when you pay your charges by the 25th day of the cycle and do not accrue interest.
Do yourself a favor - cut your cards, get a debit card with a bank that has the Visa or MC logo and use that. You'll save a bunch of money and have the convenience of a CC without the hassles of a CC. |
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