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 I need to find a personal loan for $5000 at 20% or less and pay it back over two years. Is this possible?
My credit is minimal, no co-signer possible. Suggestions would be much appreciated!!!...


 What will happen if i don't pay a hospital bill?
ok, i have no health insurance and i work of the books. I got a hospital bill for $980.00 because i had something in my eye. how bad will it mess up my credit if i refuse to pay it....


 Can i get arrested for using my dads credit card without permission?
i spent like 20 ...


 Credit card for kids?
How can a kid under 18 buy things online? Like i heard about a prepaid credit card. Is it like a card that you put money on, and you can use it to buy stuff online with? help please :]...


 What are the best ways to make money online?
Does anyone knows how I can make money online?...


 I am 22 with a credit score of 635..should I be worried or is it normal?

Additional Details
well i am paying for my own college education....so i guess im cool ...


 What is the PIN number on your credit card and where could it be found?
I'm on a website and it is asking for my credit card PIN number. I've never been asked that before. What is the PIN number and more importantly, where is located on my card? Thanks!
<...


 Can a credit card company take me to court for non-payment on the balance?
I have an outstanding balance with a credit card company in the amount of 1,600.00. I haven't paid on it since August 2005 because of a lot of hard times that have hit me these last 2 years. I ...


 After bankruprtcy how on earth do you rebuild a credit score?
How can you rebuild a credit score when your not allowed credit?? i can't even have a mobile phone on contract! service i now use is on pay as you go cards,phone,elec,council tax etc.. I don...


 Landlord issues!!!?
Late on rent-landlords are asking me to leave on the 15th and then after find new tenents and show the place and pay for every month it is not rented with late fees and interest. I am breaking a ...


 Does anyone have a credit card nuber that I can use really quick if so whats your name first and last!?
...


 What is the best credit card for someone who's never had one?
...


 Got my first credit card today, any advice??
just got my mtvU card today, and its my first credit card. do you have any advice to keep myself gettin in trouble, if yea know what i mean. thanks in advance....


 My daughter as been using my credit card,igave it to her several months ago,but now as refused to pay the bill
i let her use it but not to abuse it.she as been paying the bill all the time but for reasons beyond my control she says that she cant afford to pay anymore.but im in a situation that i cant afford ...


 Credit card question...?
I am applying for a credit card throught citibank. They have a spot to check if I want to add an additional card for a family member....if I put my fiancee's name down, will they check his ...


 I need help getting a loan?
my husband past away in march. I am now collecting widows benifits to stay home with our two small children. I have poor credit due to medical bills and I keep getting denied for loans, and credit ...


 Debt Collection?
A collection agency called me today. This is the first time they've called and they have not sent me anything in the mail. They gave me the name of their company and wanted me verify my social ...


 I just turned 18 and want to get a credit card, but how? I have no credit or anything.?
No one will approve me and that is the only way I can get credit history. My parents won't cosign with me either. Anyone have any ideas?...


 How old can you get a credit card?
whats the youngest age you can get a credit card?...


 What is the most expensive item you have paid cash for?
...



dmachelles76
Do you think credit cards are evil ?

Additional Details
or are people stupid who get them and don't pay there bill?
                     
 




sake_boy
absoultely not. it's just that people are stupid.


Lar-Bear
Not when used properly and responsibly.


Kittymadam
Rating
Yes & No. It depends on who the person is that is using it & how familiar they are with how it works.


Drew
No, not really. Well, unless you spend a lot.


every1lovesamixedgirl
DonSoze totally took my answer...I was going to say only the ones owned by Satan


SCCRealEstateUNCENSORED.com
WOW... there are certainly different points of views here. In order to help you answer this question here is an article I wrote based on the report PBS did last year. I broke it off in 2 parts because it was too long for only one article.

"The secret history of credit cards" Part 1
http://jrealestate.blogspot.com/2006/03/secret-history-of-credit-cards-part-1.html

"Credit card: the devil is in the detail, the small print" Part 2
http://jrealestate.blogspot.com/2006/03/credit-cards-devil-is-in-detail-small.html

I hope this helps you answer your question.


JOHNBOY
YES MOST PEOPLE DON'T KNOW THAT UNDER THE BLACK STRIP THE FIRST THREE # ARE 666


Joonbug
Rating
no ,just that people use them and dont realize they have to pay it back .. it is not for free money!!!! It is a debt to pay if you cant pay it dont spend it.


GutsiePerson
Credit cards have their use. But people just think it is free money and buy things they do not need and don't have the money for. A credit card is great for travel and a very safe way to order online. However if you run a up a credit card bill and don't pay it off each month you are not very smart as you are paying a lot of money in interest. But our society tells you you want it you deserve it and we are an instant gratification nation. So I want it now instead of saving for the item. Sad part by the time you pay off the credit card you probably don't even use the item anymore.
And if you would have saved the money you would have had more money as you would not have had to pay teh interest and most likely would have made a little money in a savings accoutn in interest.
But people simply want it now and get in over their heads.
Also noone really teaches people about money nowadays...


DELETE THIS ACCOUNT
I think people who cant pay their credit card bills are evil.


mangifera indica
No way.


janeroth7
Rating
No that is how my bills get paid automatically.
I use them like money not that often.


nemesis60145
partially so. while it is true that people should be responsible with what they spend, there is a point where personal responsibility ends and corporate responsibility begins........when Visa offers credit cards on the beaches in Cancun and Miami to all the college kids during spring break, that's going too far.


nemodelmar
Yes they are, they are in my dreams, I can refuse to touch them in the stores, I really need to be exorcised


NutstersChick
The LOVE of Money, AVARICE is EVIL!


Christy
Whether you think they are evil or not they are what's called a "necessary evil". You have to have them if you ever plan on making any major purchase such as buying a house or financing a car. You have to have credit to get credit and a credit card is the way to start. The credit card is not evil, it's the irresponsibility of the credit card holder that makes them bad. Don't charge money that you can't pay back and you'll be fine.


DonSoze
Rating
Only the ones with demons imbedded into them (demons who like to shop)


sschro9131
Rating
I think credit card companies are evil with the constant offers they send and all the credit they offer people who can't afford it only getting them deeper in debt.


BUD
NO NOT EVIL.........IF U PAY IT OFF EACH MONTH...


sexytrojan
Mine are wonderful. I don't abuse them.

Dude who was $35,000 in credit card debt will say they are evil!


lexie
Rating
no


mikah_smiles
Rating
No, credit cards are just a tool, and so is debt. It's how you use them that makes them evil. You should always been in control of them, otherwise they can ruin your life.


lsenn
No. Credit cards don't do the charging, people do.


lostinabigworld
Rating
yes when you dont have money to pay them off


Adalina
Yes. And here's a reason you can use. In the bible it says that you will be unable to buy anything with out the number mark of the beast. Also they now have the ability to put a scan bar in your hand so you don't need to carry around your cards.


beardog4314
Nope, just the people who charge high interest and loan freely to take advantage of the desperation of the poor.


Sammy
They are evil. And if you don't watch out they will bury you for the rest of your life. It is harder to go bankrupt now adays. The banks are making sure of that. I know because I went bankrupt before the laws changed, do to my cards. Now I don't have a card. Best thing that ever happened to me. I pay cash for everything. I actually have a bank account now. Something I never had when I had a card.


ebonee *
yes i think they are because you feel you have alot of money ehen you have one but you just endup paying more


♥ Vogue ♥
Rating
no? why??


Jenny
No


L.R NATHAN
Rating
No, in fact Credit Cards are boon for those having good control over finance


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