 How do you manage your credit cards? |
| Just wondering how some people handle there high credit cards amount in order to lower them w/out consolidating! I only have one credit card and the dollar amount really isn't that high it'... |
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 A credit card for a 13 year old? |
| What do you suggest? I'm going to DC in April and I'm bringing a credit card (If I could find one). My parents said I should bring that and cash, because we need to pay for everything thats ... |
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 What can i do to make my credit report better? |
| recently i lost my job and had financial troubles. eventually it led to a cell phone, and one credit card company refering me to a collection agency. now i know it will be on my report for 7 years, ... |
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 Please Answer!!!! Help!?!?!? |
| Wells-Fargo is threatening to garnish my wages concerning a credit card I haven't paid in awhile. I haven't had the money and they have threatened to garnish my wages. Can they do that???... |
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 Cant pay credit card debt? |
I used to live in the UK and moved to US 3 months ago.
My plans didnt work out well and Im bankrupt, I dont have any debts here and can afford just to live on my earning but Im in debth to ... |
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 Are there any good sites where I can check my credit? |
| I got different credit scores from 2 different sites, why is this? if anyone knows of any good sites post them here, I would appreciate it, thanks.... |
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 Is it better to negotiate charge off amounts with creditors or pay in full? |
| should i negotiate a discount? or pay in full? whats better for my credit report/ does it matteR?... |
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 I want to improve my credit but all my debt is at least 3 years old and all in collections. What to do? |
| My credit score is currently 570 and I want to improve it but because my debt is all in collections and they are all at least 3 years old I don't know what to do.... |
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 Credit card problems? |
| i tried to order something through Paypal (which i do all the time), but the transaction didn't go through and it said that my card was denied by my credit card issuer. I didn't cancel my ... |
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 Is there a way to get your money from someone who borrowed your credit card? |
| I let my friend use my credit card to charge something, he said he was going to pay it right back in a couple of days, or he could put the limit right back on my Visa with his Visa. But since I let ... |
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 I have a 1 year old debt, does credit get worse the longer I don't pay? |
| I'm currently 20 and about a year ago had to visit the hospital due to an ear problem. The bill is approx 2,500 and I have yet to pay it. I have no other form of credit history that I am aware ... |
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 Which is the best credit card to get?? |
| I dont know much about credit cards...help please. I have the student visa from bank of america but i want another one.... |
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 Credit card? |
| Is there any problem if we'll not pay the bill of credit card. Or, If we'll go for settlement, they keep the details as defaulter or, wht? plz advice....... |
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 Can I get a used car loan? |
| I just turned 18 last week. I have been driving a 1988 Ford Escort for a year and a half. I paid $500 for this car so I am not sure if it is even applicaple for a trade in. I think it is time to ... |
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 Do negative records really "disappear" from your credit report in 7 years? |
| I recently viewed my credit report, and a lot of negative/delinquent accounts and records are not on it. So is true what they say about negative items being deleted from one's report after 7 ... |
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cgrant456 | Getting a credit card. What are the best deals around? |
Hi. I need to get a credit card with a limit of about £1000. What would you go for at the minute? I've checked these comparison sites and they're frankly very confusing. UK only please. Thanks in advance. |
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mg1pa1
 |
Hi Grant,
Some of the responses have merit and obviously, if you can wait then you should and pay with cash. I do not know your circumstances though.
Given this, credit cards can be a very effective way of building up your credit score and can provide a host of benefits when used to purchase items (extended warranties etc). Not to mention the added security that you get from purchasing online and use overseas.
If you are looking for a credit card to move debts on to then you need a card that has 0% interest.Check the small print with regards to transfers from your card in the future as if you plan to keep moving the debt then some providers may charge you.
If you intend to pay the balance in full each month then you are fortunate enough to be in a position where you can match the various benefits to your needs. I love the fact that i get extended warranties on all electrical items purchased with my RBS card. Others may look for cash back - American Express offer this amongst others. |
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david1813uk
|
use a debit card you can get stung using credit cards only spend what you can afford to spend |
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Ĕrotic Ńightmare
 |
The only advise I can give you about a credit card is DON'T ..... They are more trouble than they are worth. |
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rainman
|
Don't! just paid mine of with a loan from the same bank.I'm £50 a month better of now, and it will be paid off quicker! |
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lea n jase
 |
the best thing to do with a credit card is cut it into two. There's nothing wrong with paying things by cash, and if you haven't got enough then it's best to go with out. At least you won't have interest added on, and in no time at all, you find yourself with a balance you aren't able to pay back and bad credit against your name. |
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Penfold
|
What are your requirements?
If you fail to pay your card off on time every month then you want with a low interest rate. If you already owe money to a credit card, it may cheaper to go for a low interets rate on balance transfer (although you will get hit with a 2.5% transfer fee). Both of these assume, you fail to pay your credit card off in full every month.
If using abroad, you are limited to Nationwide Visa credit card or Post Office Mastercard.
Are you after loyalty points and if so, which ones: moneyback, reward points, airmiles?
Do you wnat to give money to charity?
If you're not in debt, have no intention to use it abroad, or have need of loyalty points, the criteria is then solely based on two things:
1) the maximum number of days you get for interest free credit;
2) the credit card issuer you feel most comfortable with. |
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red rose
|
go to amazon.co.uk and choose something when it come to the checkout page it will bring there credit card offer ....
which you can do on-line and earn £15 credit to spend at there(amazon product that they sell) on line store that's !!!
and comes with interest free option can be done on line and within 2 minutes accepted and they post the paper work for you to sign then when you return it they forward your c/card..
you have £15 to spend immediately... |
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undercover elephant
|
The best deal is hard cash. It has an interest rate of 0%AER and is accepted at all outlets. If you save it you can even earn money, with no fear of having to make repayments, and bailiffs will never call and take you HDTV. |
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jacqueline e
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Start with your own bank, mine gave me the best deal.Lloydstsb. |
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david a
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you might want to go here to compare them, pick one that is right for u
http://www.bestcreditrates.net |
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retired gentleman
|
Believe me you Don't
want one, they are bad news. |
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olliedog
 |
Check out this website
http://www.moneysavingexpert.com |
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