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 If you very bad credit is it possible to get a personal loan? |
Bad credit personal loans if its possible how and were?
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 If I co-singed for a car for a friend and we no longer speak, is there any way to get my name off the loan? |
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 Would you marry someone with Bad Credit? |
some say yes, some say no.
Additional Details
Some people totally obsess with their FICO score. If you've made mistakes in your past but learned from them. Does it really matter ... |
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| What should I do about my situation with being a co signer? |
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 Cancel credit card or keep it open to improve credit score? |
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Doctor Chaos | HELP!! Credit Card Debt and Balance Tranfers? |
I have 2 cads that carry a balance, one has 132 dollars on it the other has 700. I just recieved an offer from Chase with Chase Visa Plantium Card, that offers 0% intersts on balance tranfers and no balance transfer fee, untill January 2009 also no annual membership fee.
I'm thinking of applying for it and trading the 700 dollars onto it, because, currently I pay 20% interest on it. So that about 10-15 in interest each month. And I would have that paid off by January 2009.
So what do you think, Yes or No?
Any advice is apprecitated. |
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Oldmansea
|
of coarse you should go with less interest....put the two together and pay one monthly payment....
BUT the best advice is NOT TO Borrow....pay back ASAP
get off the merry go round and only pay if you have the money.
Just so you don't feel bad most americans have $10,000.00 dollars in debt.....so your worth saving now....as it is you will have to pay within a year or pay 25% in interest......
SAVE YOURSELF DONT DO IT ANYMORE....... |
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TaxGurl
|
Be very careful and read the fine print. I just got a similar offer from Chase......but the 0% only applied if I made at least 3 purchases per month on the card. They would apply any payments to the 0% portion of the balance until it was paid in full and the "required monthly transactions" would continue to draw interest at a regular APR. It was one of the shadiest credit card offers I have ever seen.
I have seen a lot of people fall into the trap of transferring balances but never getting them paid off.
You have fairly low balances. Why not just pick up some part time work for a month or two and get them paid off? |
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ed
 |
As long as you understand this.
If you charge any new debt to that card, none, NONE of your payments will be applied to those charges, UNTILL the transfer is paid off.
This means that any new charges will accumulate interest, compounded, until that time.
And read carefully the interest rate should you do that.
Your present interest is a bit more than 1 1/2 % each month.
Divide 20% by 12. |
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rad-tech
 |
I certainly would, but don't close your other accounts. If you keep them at zero balance by only charging small amounts so that you can pay them off completely every month, while you pay the new account off at zero interest for the next year, you will establish good credit and they will likely lower your interest rates on the old accounts. You can do all this with no interest at all. Great huh? |
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DaMan
 |
The no balance transfer fee is the kicker! Go for it!
However, DO NOT CHARGE anything on the Chase Visa Platinum Card. You don't want the APR of the new purchases to ruin the "interest rate" reduction you earned on the no-fee balance transfer.
Good luck! |
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Wiseguy
|
it's advisable to go in for the Chase Platinum, if you're current on both your existing cards. Credit cards usually come with fancy offers that have a catch in fine print. My suggestion - call up the customer service and get all the facts clear and if you're satisfied and convinced, then go for it! |
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david464014
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Hello there. I did exactly the same thing one year ago and again recently. Permanent 7% instead of 20%. Yes it works very well. But vread the small print. The best advice is probably not to use the new card as new transactions will attract the higher rate of interest and are the very last to be paid off the balance. |
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Showtime
 |
There is usually a transfer fee even if ther is no interest charged. Look for minimum/maximum charges in the fine print. If your paying 20% you can save a mint.
If you do transfer over 2 things to consider.
1 make sure you pay at least as much per month as you pay now if not more.
2 Close down at least 1 outstanding account as to not effect your credit rating (too much available credit can hurt your score too)
Good luck |
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miss.perfectionist1
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I think that an excellent idea. Lots of credit cards offer a transfer balance of other credit cards on a six month interest free balance.
So if you have a balance on one credit card and choose to transfer that to another credit card they should offer you a six month interest free period.
If the credit card is one that you already have, this is still a great idea why bother with two credit cards and clock up interest on both you might as well clock up interest on one card only so yeah do it its a good idea.
Another thing try not too spend too much credit cards are killers. |
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Fejj
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Make sure you read all the fine print and as long as there are no hidden fees then go for it |
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lola101
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yes that is the way to go. make sure your not late on any payments though or the interest will jump even if its the first time. also dont close your other cards keep them open to help build credit. is the chase card limit going to be more than 700? because that could effect your credit too |
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Helena
|
No.....just pay off what you owe. If the 0% interest is for 6 months then okay. But if you do get one more card. Cut up the one with the higher interest and cancel it. It is better to do it that way. |
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