 Serious Credit Card Debt! What should I do? |
| I am a student with about 3 years left of school before I start making money and I have some serious credit card debt! I owe about $12,000 to Visa and about $7,000 to AMEX. Most of that money has ... |
|
 How do you ERASE your credit history!!!? |
| As a young adult, I destroyed my credit and went bankrupt. Afterwards I have 1 credit fraud and cant prove it wrong without hiring another lawyer. I need the bottom line secret to cleaning my credit ... |
|
 Can a debt be reported to the credit bureaus if I am making payments? |
| I have a $13500.00 debt that is owed for a rental car that was totaled in an accident. The rental car company wants their money for the car and I am willing to make payments, but they keep ... |
|
 How to repair your credit? |
| Once you have paid off your debt how do you increase your credit ... |
|
 Co-signer is paying, how to make it last? |
| A few months back I got someone to be a cosigner for my new car, but my girlfriend and friends are high maintenance and I don’t have the extra money for the car’s monthly payments and I stopped ... |
|
 I'm getting my first credit card, what's the best way to build credit? |
| i'm thinking about just using it to buy gas for my car than paying it in full when the bill comes would that be a good idea?... |
|
 The credit crunch, who's to blame? |
| Anyone else think the Government created it to make Gordon Brown look like he's doing something useful to help people out ie dropping the VAT to 15% woo wee I save £2.50 everytime I spend £100,... |
|
 Need to borrow some money, my credit rating is good, is it cheaper to use credit card or bank loan? |
| need to borrow some money, found a credit card that offers 0% interest for the first sixteen months. Or i could arrange a bank loan. What is the cheapest way of borrowing the money, i could pay back ... |
|
 What's the best way to avoid paying back a bank loan? |
| Hi, i have took my name of the elctoral role and was told that if the bank coulnd'nt find me, they couldn't do nothing?... |
|
 Because gas is going up so high do you think credit card companies will start to throw people in prison? |
| If they can not pay their minimum balance and people can no longer afford to pay them first when everything goes to pay for basic needs will these companies throw people in jail or automatically draw ... |
|
 What is the difference credit card and a debit card? |
| My parents are leaning to finally give me something which I can use to buy my own stuff. So, your answers will be great. Thanks!... |
|
 U.K. or U.S.A? |
| which offers the best benefits to the ... |
|
 $18,000.00 in debt and I'm only 22 HELP!!!!? |
| Having an unexpected child, having my appendix removed, my job closed for business, and going to school all at once caught up with me. Wasn't able to pay bills, so i got credit cards. I didn�... |
|
 Does anyone know how to get an easy installment personal loan? |
| I am not looking form much, just 500-1000 dollars. I don't have that much of a good credit, maybe 550. I am trying to pay some stuff off so I can only have one payment and that will help my ... |
|
 Credit Card Fraud.? |
| A paperless credit card I had for last 5 years was fradulently used for the last 18 months. As I use it very very rarely, and having used in Dec. 2006, I checked the e-mail statement. I was shocked ... |
|
|  |
Izzy | Does having a credit card cost money? |
I am getting my own credit card soon to help build credit, but I really don't want it to cost me much.
If I have no annual fee, and pay my (tiny) balance every month on time, will there any cost associate with keeping the card? I will only have to pay an amount equal to purchases, correct? |
 |
 
bdancer222
|
Get a card that does not have an annual fee or monthly fee. Use the card and pay the balance in full before the due date. You won't have to pay any interest. That's the best way to build your credit history. You save interest and stay out of debt. |
|
Sofia
|
If you pay the outstanding balance in time, there will not be any interest or finance charges. You could always call Customer Service to make sure that there is no annual fee on your card.
Amex Blue does not charge an annual fee so not all Amex cards have fees. |
|
Heaven Lee
|
no annual fee and pd OFF ON TIME you should not get charged. It should help build your credit. Read the fine print on the back. If you don't understand any part of it call and make sure that you do understand. some cards have clauses that change after time. Be smart or you will get yourself in a mess |
|
Tom P
 |
If you get a no-fee credit card and pay your balance in full and on time there will be no cost to you. |
|
SandpaperTongue
 |
Correct. As long as you pay the balance in full every month, there are no extra charges. |
|
Classy Granny
 |
Your right. If you have a no annual fee card and pay in full every month there will be no hidden charges |
|
Nips
|
American Express charges 150.00 a year. |
|
vincent
 |
there will most likely be no fee to keep the card but check the fine print |
|
Emmy
|
Oh, Izzy. It costs a LOT more than money.
That's why I don't use mine. (Well, I my self don't have one, but my parents do... and they don't use theirs. Credit card debt is hard to get out of.) |
|
Jess R
|
Typically, a new credit card issued to anyone as their first credit card, is going to have an interest rate of 18-21%!! That's a lot! Don't go crazy with it - as hard as it is, only spend a small amount per month on it, and pay it off before your statment date - that way you will not pay interest, and still build your credit.
|
|
heybulldog
 |
Yes. you are correct. But, if you play the credit card game long enough sooner or later you will lose. Once you start losing at the credit card game it's hard to get out of the game. High interest rates and late fees. They make the rules and can change the rules in the middle of the game. Credit Cards along with the fico score was designed by banks to get people into debt and keep them in debt.
If you pay as you go. If you live on less money than you make. You'll have money and not have to worship at the alter of the great fico.
Building your fico score is the biggest joke of 21st century. |
|
JennyH
|
0% interest is only temporary. If you don't pay your credit card off by that time, they hit you with interest rates, usually high, which sucks, because it makes it hard to pay off if you have a big balance. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 18 minutes(s) ago
| | | |
12 | 31 minutes(s) ago
| | | |
12 | 45 minutes(s) ago
| | | |
12 | 3 hour(s) ago
| | | |
8 | 4 hour(s) ago
| | | |
12 | 9 hour(s) ago
| | | |
12 | 1 day(s) ago
| | | |
13 | 4 day(s) ago
| | | |
12 | 2 week(s) ago
| | | |
12 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
