 Credit card charges what can you do to avoid them? |
| why do some retailers charge a service charge when using a credit card as the transfer sometimes just takes ... |
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 Serious, honest answers only? |
| If I were to finance a $15,000 auto loan with a term of 66mths now will that hurt my credit in, say, 3 years when I try to get a home loan?? What am I saying is is will the lending institution look ... |
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 Building credit? |
| i am a sophomore in college, and i dont have credit and i want to build it. i have applied for credit cards that say they are for people to build their credit, but i dont get approved because of ... |
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 How can I stop compulsive shopping? |
| I am in debt because of shopping, I maxed out my credit cards and now I borrow money to go shopping, and I buy things I don't even need, I feel better after shopping, it's like a high or ... |
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 Building credit...What is the best way to pay for credit card purchases ?? |
1) Should I make small purchases lets say 100$ a month and
pay it off in full upon billing ?
2) pay full balance before i recieve my bill ?
3) make the minimum payment only ?... |
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 Buy a giftcard, with a giftcard? |
| i know i am receiving a walmart giftcard from my aunt. And i do not want anything from walmart. So i was wondering if it would be possible for me to use my walmart giftcard to buy an all access Visa ... |
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 How to recover money that was borrowed to a friend who refuse to return? |
| i borrowed a total of $4.5K over nov'06 and dec'06. i kept asking for the money to be returned, and was given all sorts of execues and now..this friend is uncontactable or have been ... |
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 Why does no one save up for things? |
| Cars can be bought on credit, OK if it is zero percent but if you have to pay some of the exhorbitant amounts they charge, why not save up?... |
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 Will I be okay just paying part of my credit card? |
What will happen if I just pay much more than the minimum payment but I still have a balance left on my card? I'm maybe going to be able to pay out about $300 or $200 out of $500...
W... |
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 Which credit card offers the highest limit for someone with credit score 650-699? |
| I am trying to raise my credit score by spending low on a credit card with a high limit. I currenty have a 652 credit score. Which card would offer the best chance to raise my credit this way?... |
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 When purchase goods on your credit card, do you clear it off every single month? |
... Or pay it off slowly?
Additional Details
I too pay mine off every single month :)... |
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 Rebuilding credit? |
| I have had some credit problems and been over my limit a couple of times, but I can finally pay off my credit card. My question is that i have 2 credit cards, i want to cancel one, and use the other ... |
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 How do i get my credit score up? |
| my wife and i have paid everything on our credit reports, and yet the hits are still there. i dont know how to fix this and its costing us thousands of dollars. someone please help ... |
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 When is the appropriate time to use credit cards? |
| To keep from going into debt, when should I use credit cards?... |
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 Is this a scam or real. I need to know? |
UNITED STATE PARCEL SERVICE BENIN .
Rue 105 Akpakpa Way,
Cotonou Bureau Office
Republic of Benin
Tel/Fax +229-93-046-557
E-mail: uspservice2003@yahoo.fr
web: www.... |
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 I NEED Credit Card Advice? |
| I already have 1 credit card w/a $500 limit, through my bank. which is helping me re-establishing my credit now. I got it this past June. I pay way more than the minnimum payment. I have ... |
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 Has anyone here maxed out a credit card on purpose? |
| In other words, spend left and right knowing that you were maxing out?... |
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 Do you think i could build my credit in 11 monthes? |
I'M not looking for my credit score to be perfect but at least 600-650 can any one help me
Additional Details
I have no credit but just got my first credit card need to build my ... |
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 Can i be held responsible for a dead persons debt? |
| i used to drive the car under someone elses name, but i gave it back and now the repo man wont leave me alone. the owner has passed and they cant find the car.... |
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Loves Weezy | Help!!! I have a question about what I should do regarding a credit card payment.? |
I have a credit card that I am already a month behind on. Next week the minimum payment will be two months late, but in two weeks I will be able to pay off the entire balance, which I plan to do.
I have no other negative reports on my credit score but I am terrified that this will haunt me down the road and affect my chances of getting medical school loans and/or a home loan. If I pay off the entire minimum payment when it is due, I will not have any money for maybe two weeks... HELP. |
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maryannmccarthy2003
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Creditors report all 30 day late pmts., could you borrow the cash to pay it off now? Or at least to pay the late & current pmt. |
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Joe
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1. Pay the minimum payment if you POSSIBLY can.
2. If you can't pay the minimum, CALL the credit card issuer TODAY. If you've never been late before, they may well be willing to give you an extension.
Under the "universal default clause" that most credit card issuers have in their contract, if you become late on ANY card, they can raise your interest rate on EVERY thing else you have ... even if you've never been late before or on any other card. Unfortunately, those rates can go as high as 29.99%!!!!
DON'T BE TWO MONTHS LATE!!!!! |
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richard t
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call the credit card company.tell them..........
maybe they will give you a break........ |
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sheloves_dablues
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Pay $20 toward the balance ASAP. As long as you are making an attempt to pay, your account will not go to collection for late payment. If you've never missed before, call the credit card company, advise them of the $20 payment you just made and tell them the date you will be paying off the balance. Most likely they will appreciate the call and give you to the specified date. When the day comes - make the payment as promised. |
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aussiediver
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Pay anything on it you can even if it is only $20.00. CALL them and let them know your situation. Sometimes they will lower your interest rate, but not if you don't communicate with them. |
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Barbara A
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It is good that you are concerned about the future.
As others have suggested, I recommend you make the phone call to the creditor. They dont really care if you pay the minimum now, the entire balance in 2 weeks as long as they get paid. Consider this..no matter how you settle this debt, the creditors will get the interest you owe for the late payments. So...this is about your own integrity. Go ahead and pay the $20 or whatever you CAN afford toward the balance, keeping enough to meet your other expenses. (I hope this credit care is the ONLY one you have) Then, pay the balance in 2 weeks, as you said, in order to avoid MORE interest. Take responsibility for your decisions. |
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jon b
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These are how I see your choices:
1) Don't pay or pay a tiny bit - and then pay off in 2 weeks - you risk having a 60 late on your credit report on that original late balance if you do this, and a 30 late on the more current balance which is not good at all
2) Pay off the total amount due, but have no money for two weeks - best option for your credit score - you'd only have 1 30 day late on your record, but might not be practical to live without funds for a while. I know each situation is different - is there anyone that could throw a few bucks your way short term to allow you to use this option?
3) Call this the compromise option - pay at least enough on this card to pay off any money that is already over 30 days late - but you will still have money to live for a few weeks till the larger windfall comes in. Your credit report will likely then have 2 30 day late marks, which is better than a 60 late and a 30 late. |
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Zombie
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Pay the minimum payment. Late payments really hurt your credit and you are going to need good credit if you want to get decent interest rates. |
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Rhonda L
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Pay what you can now, and if you can get more money pay it off when you can . The more money you pay now the the better your credit score stays. And make sure you don't be late on your payments again. Because when you take out any loans they do check your credit.
GOOD LUCK hope everything works out for you!!!!
Rhonda L |
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MJ
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Pay as much as you can afford, don't get behind on other bills and never do that again. Credit stuff haunts you. |
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Jennifer W
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It's better to go ahead and pay the minimum payment now, then go ahead and wait two weeks to pay it off completely. You can ask someone for a temporary loan until you get paid, or work an odd job, such as advertising that you'll wrap presents for cash. People are waiting till the last minute and don't even want to bother w/wrapping them themselves. There's a way to make some quick cash... or babysit this weekend while parents go out for Christmas parties. Babysit on New Year's to make some cash! Hey, you can give up one holiday to save your credit for the rest of your life, right? A late payment is a late payment and it WILL haunt your credit! They don't care if you can't make it, because they still bank! |
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musicman47
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I would wait and go ahead and pay the entire balance off! I use to deal with collecting on past due credit cards, and your credit score will be okay it you do in fact pay it off when you stated. Your credit score is effected also in how you pay the other bills, and if you have had many credit inquires and what not? Good Luck :) |
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mtchndjnmtch
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Call them and ask for an extension. |
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poojari
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dont worry.if you dont pay your creditcard bill at proper time but pay them late,you get more scores and your credit scores gets high. |
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