 Anyone ever been sued for credit card debt??? |
Whats the process like?
I owe capital one $4,000. I will probably have to file for bankruptcy to dodge them or take a vacation out of the country for 5 yrs...... |
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 Best Credit Cards? |
| I have a credit score of 734, Im only 21 so my accounts haven't been open that long. Capital One gave me a fairly large credit line, but i haven't activated it yet, due to the fact that CO ... |
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 I am really scared. I got a number from "2299855545". I feel like it was a scam? |
| They said I won stuff and I will be entered in a drawing. I gave them my Card # and 3 digit # on back, and expiration date. Should I cancel my card?... |
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 $ 20,000 in credit card debt do you recommend I file Ch. 7 bankruptcy??? |
| I had 14 different credit cards charged off 2 years ago for a combined $20,000. The statute of limitations in CA. is 4 yrs so after 2 yrs i finally got a letter from an attorney threatening L... |
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 Bank harassing me over debt and threatning urther charges? |
i have a loan with the bank of scotland. i have had to stop payin it due to financial circumstances and having to help save my home.
i have co-operated fully with the bank from the start ... |
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 Is it better to pay in full each month or 50% of the bill each month? |
| Hey everybody here is my question: I have just been approved for a small business credit card, and i need to spend about $4,000 in office expenses as part of our startup costs. Is it best to pay this ... |
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 Collection Agency calling...? |
| If a collection agency is calling but nothing appears on your credit report from the agency about a debt...What can/should you do?!?... |
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 How do I get a loan with a bad credit rating? |
| I lost my job 2 years ago when my contract ran out and unfortunatley was not re-newed. Most of the credit I had was the ususal - credit cards and small loans. I struggled to keep up the payments on ... |
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 Credit card debt and new baby on the way? |
| I know this sounds like a CRAZY question.... |
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| Can a second signor on a credit card be held responsible for unpaid balance? |
| My husband had a credit card in his own name that i knew nothing about. He addes me as a secondary signor on the actt, also without me knowing. We since were divorced and both responsible for our ... |
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 How do a person clear up there debt? |
| How do a person get good credit .... |
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 What does "going legal" mean when you haven't been able to make a payment on a lease? |
| I'm 4 months behind on my GMAC lease today (due to medical problems). I called them today and they said if I don't give them at least 2 months payments, they will "go legal". I ... |
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 How do i get ride of my bad credit rating? |
| I had a phone bill under my name but it was my sisters phone and she forgot about the bill and now i have a bad credit rating and need to get it off my name asap!!... |
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Adell H | First credit card trying to figure out the game? |
Im about to recieve a capital one platinum visa. Apr is 19.8%. Im not to worried about that because Im a new resident and have been turned down by everyone . Im happy to finally be approved for soemthing so I can start building credit. i have no credit. My question is I have heard all around town that capital one does not report to the bureaus. If thats true how to do you get credit. Please help me fill in the blanks |
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michael p
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Capital one does report to credit bureaus. The key is to not carry a balance. If you carry a balance at 20% you will get killed with interest. If you keep this card for a while and pay it on time, you will indeed build a credit history and have offers flooding your mail box. |
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progunr
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Capitol One DOES report to the Credit Bureaus so don't worry about that. What you really need to worry about, is paying 20 cents on every dollar you borrow, that is a very high interest rate but if you don't have any credit, it makes sense. Make every payment on time, and watch how much you run the balance up. If you have some self control, you will be OK. Don't listen to any idiots that tell you to pay the balance every month. That will do NOTHING for your credit score. You need to show the ability to manage regular monthly payments, over time, in order to increase your score. |
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Andrew
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cut it up !!!!!!!!!!!!! |
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Act D
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as a capitol one cardholder, i can tell you that they do report to the bureaus.
never charge if you don't have the cash on hand to pay it off every month.
that is the BEST thing you can do for your credit rating. |
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Crazy Cat Lady >^..^<
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What Capitol One does is report your balance as your credit limit.Say you have a limit of $500.00 and you use your card and have a $200.00 charge on you account Capital One will report your $200.00 as your limit .So It shows that you maxed out your card every month |
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notsosuremt
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Capital One I'm sure reports to all of the major credit bureaus. I will tell you that in my opinion, you don't want to use a credit card with this high an interest rate, unless you pay it off every month.
I personally have not credit cards anymore, and don't care about my credit because I pay for everything with either cash or a debit card. I'm still digging myself out of credit card debt and it has been 5 years paying off about $25,000.00 in credit debt. Never again will I fall into that trap.
Credit cards reek. |
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Nano
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they do, jus keep your debt low, pay monthly b4 due, and stick with one credit card now
about one year later, they decide your credit score and at that time, you can apply for a better card |
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Aubrey V
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Capital one definitely reports to credit bureus...i have one of their cards and they report good and bad standing on a 30 day or 60 day basis... |
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Miss Battery
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1. THEY DO REPORT.
2. STOP APPLYING FOR CREDIT-it hurts your score
3. DON'T BUY A BUNCH OF CRAP OR CARRY A BALANCE.
4. ***On the 7th month call them and ask for a better rate. |
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Domini
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Use only 20-25% of your available credit and pay in full every month. After 6-7 months you call them back and ask for better APR. The do report because I had them before and it's on my credit history.
You'll receive a bunch more offers now that you have the card, so don't go crazy and apply for all; half of them will say no to your application because of little or no credit history and every time they check your credit it takes points off of your score.
Use credit wisely on things you could buy with cash, so at the end of the month you can pay in full. |
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