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 How many years do you have to wait until an unpaid credit card debt is removed?
I was not able to pay for the last 7 years due to not having enough money....


 Is a APR of 19.8% good?
I just got a credit card and on the paper i got in the mail it said that my APR is 19.8% but the thing i want to know is if that is good or bad???? can someone help ...


 How poor am i....?
if i dont have enough to pay my power bill. from 1-10...


 My ex-wife left me with a pile of credit card debt.Since she opened these is there anything i can do?
I live in PA and some of these cards were opened back in 2000....


 How get i earn more money ?
i work full time mon to fri and cant work in evenings or at weekends but need more money to pay bills and petrol ...


 Self check out at Wal Mart giving you too much change?
The other day, I used the self check out service at WalMart.

My total was 28 dollars and some change and I insert a 20 dollar bill, and two 5 dollars bills....equaling $30 that I inserted ...


 What happens when you stop paying your credit cards?
So I've done some research and I know all of the consequences of walking away from credit card debt. But I am not sure what I should do. I know many people have asked this same question and were ...


 Could I get a debit card with a bad credit history?
I have a basic account, so can't pay my bills online or via phone and it gets on my nerves....


 Is 9000 too much in credit card debt?
I am trying not to use my credit cards anymore at all, but I am getting a bit worried about it.
I make my payments on time of before time, and always more than the minimun.
I work in a full ...


 I need a quick loan of $3000 that will be payed back in 2 payments within the next month.?
I am just in a pickle right now and I have an emergency that needs to be taken care of now. Problem is I am paying off my bills to better my credit but I know it isn't very good right now. W...


 I cant afford my credit card payments?
i am on the sick my card insurances payed out but benifits so low used my credit cards now cant afford to pay them back what do i do i am so worried. i also have cancer have prostate ...


 Do you still write checks when you shop or use your credit/debit cards?
...


 Paid off all credit cards, what is better for my credit? Too keep one and not use it or dont have any at all?
It doesnt matter either way, to have one and not use it or to not have any credit cards at all. I havent used any credit cards for 4 or so years so its not like i would be tempted to charge it up ...


 How do you pay off 42,000 in credit card debt in 3 months?
...


 I work for a major high street bank and am sick and tired of customers moaning about their bank charges...?
and sending letters into us in order to reclaim them back. If customers misuse their account they will be charged a penalty, same if you go through a red light you are charged a penalty but you know ...


 Do you charge groceries and gasoline on your Credit Card?
I noticed that recently there has been alot of talk about people who use their credit cards for nearly everything. I see people who use a Visa or Mastercard for $3.00 purchases at a fast food ...


 I just got an e -mail from Bank of America. Is this a scam?
This e-mail indicated that my account will be frozen unless I re verify my info including, ss#, password and credit card # and other personal info.

The funny thing is I am not even a BofA ...


 What is the difference between the debit card and the credit card?
...


 I only use my AMEX card to impress cute teenage female cashiers...am I alone?
...


 How to get $3,000 in 4 days?Any ideas????
Other than taking out a loan???...



~*Catherine*~
How can I tell my husband that I ran up my credit card?
Over the past 6 months I have racked up almost 80k on my American Express Card. I don’t know why but I just went spending crazy. I have bought everything from jewelry to sexy clothing that I can’t even wear (I’m 7 months pregnant).

That may sound like a lot of money but my husband is a partner in a brokerage firm, so it’s not necessarily about the money. But, he won’t understand why I bought all this stuff.

My husband doesn’t know anything about this and I have been intercepting the bills so that he doesn’t see them. Today, my husband’s personal assistant called me and told me that American Express is calling his office. So it’s only a matter a time before he finds out.

I know I need to tell him but how can I tell him? He is going to be furious.
                     
 




pughmecdoc
Well CAT
This is a release for you. Yes shoppers ana would be a good start. Jewlery is alway a bad buy... pay 3 times what it is worth. Clothes can be taken to a consignment shop which will get a good bit of money back. Then there are places to donate the cloths for Business women. It has been on the news a couple of times. CBS I think.. They do the whole thing for women joining the work force, and it is a tax write off.
Them hormones from being pregnant are different everytime. Wife was always wanting sex, her heavy mood swings and yes we went through the shopping thing. She even had problems finding cloths that felt comfortable on her.


prissymama
Lies are really bad for a marriage, honesty is the best policy. You can't make him not mad but you have to take what you get since you caused the problem. Good Luck


Eric H
First, I would take back as much as possible, cut the card in half, and tell him the bad news, it would be better coming from you, then the cold AMEX rep. asking about the bill


WhiteHispanic™ (WH.Beezy™)
tell him straight up and front or he will get mad


L A U R A !
if you arent comfortable enough to tell him, you should have never gotten married.


The White Guinea Pig
Rating
80k ?! Your f***ed


William
Rating
OK, here goes. Say, honey, I racked up 80k on the AMEX card. That about does it. Good luck.


HisB
I would suggest freezing your card for one.... like literally. put it in a cup of water and stick it in the fridge. Works for me. Then.... sit down with your hubby and tell him everything. And honestly, I dont mean to come off mean or anything, but you might want to talk to your doctor about it. Some women just feel that they need to spend and spend and spend. Especially while pregnant, you are energetic at times and the funest thing in the world is to go shopping. I hope this helps. And I'm sure your husband will understand. Make sure that you mention that you might have a problem. Good luck girlie.


Amandalicious
Rating
Oh wow, you need to tell him asap! He is going to find out and be angry at you for lying. You may need help. Spending money is an addiction too.


100% Organic Snark™
Rating
Just show him the bills before he finds them himself. Furious is an understatement. If you weren't pregnant, he'd probably tell you to get out and get a job.


MixedMILF
Give him some head and right as he starts grabing the sheets, hand him the bill.


Budlightgurl
Rating
You need to tell him sooner or later. I mean he is your HUSBAND. I can't imagine what the payments are on 80K. I'd suggest Consumer Credit Counseling but since you say the "money" isn't the problem I really don't know what to tell you.


But.... if its 80K tell me you atleast bought a car?!


loviedovie1965
Tell him before he finds out some other way or you can kiss any hope of trust in your marriage goodbye.

This happened to me when I was first married, although on a much smaller scale, so I can tell you he will never forgive or trust you again if you don't own up before he finds out somewhere else.

You MUST return as much of the stuff as you possibly can for credit on the card.

Maybe if you tell him that that's your plan and think of some way to help pay back the money if he pays on your AX card, he won't be quite as angry.

Also, agree to see a counselor about WHY you felt the need spend that kind of money in the first place. It would be a good idea to have made an appointment before you sit down with your husband.

Good luck to you and God bless!


kissmymiddlefinger
Rating
I seriously think that even though your husband is a partner in a brokerage firm, he will not be happy about this....
80k is alot of money! Not only that, if you have been intercepting the bills (and not paying them) this might affect HIS JOB! How embarrassing for him is it to have bill collectors calling him at work?!
his partners might think he has a gambling problem and respect him less.
Take back everything that can go back and you might be able to drop this down to 50k... open an ebay account and try selling stuff that cannot be returned.
YOu owe this to your baby to stop this as this could place you on the fast track to divorce.
I would also suggest that you see a good counselor so that when you tell him you have some support.
YOu can also let him know that you are going to counseling about this problem so that it does not happen again


Jeff
You better tell him, right now.

If you've waited 6 months already, then you have marital problems, not financial ones.


Black Mega Duce
Rating
Make him a big breakfast eggs, beacon, sausage, pancakes, and grits a big pot of grits. the grits are very important in case he acts up you can play grit ball but make sure you have a frying pan with a firm handle.


Samantha
Rating
Make sure you at least tell him, before he finds out!

Tell, him "Honey, I'm so sorry! But, I ran out the credit card almost, because I've been so stressed out lately about being pregnant and stuff. I guess I got carried out a hand! Make him a little happy by saying...Here take this credit card and you can have it or rip it up because im not using it anymore because i didnt realize how much money i spent by doing this and i wont ever do something stupid like this again!


matthewreedjones
Rating
Just tell him your kinda out of your mind lately due to the pregnancy. How can he argue that ya know? If the $$ isn't the issue then just displace the blame on some extraneous thing like your feelings, feelings of displacement due to pregnancy, etc. And if you already blew 80K, might as well spend another 5K on stuff that he'll like..cigars?


LOLeigh
Rating
ok, if you really don't know why you are doing this, I think this is something you might need go to counseling about. My theory is that your pregnant and for some sub conscience reason you might feel the need to get your husbands attention or you feel neglected by him somehow. Who knows why we do the things we do when our hormone levels are totally out of whack. Before you approach your husband with this information, if I were you I would go to the Dr, or already have Dr appt made to talk to your Dr about having some uncontrollable urges such as the unnecessary spending, maybe even make an appointment with a therapist about it. When you tell your husband about it, at least when you can't tell him why, you can tell him you know that something is wrong with you and you are trying to get help about it. Is there anything you can return? If so, have that stuff prepared to take back, let him know you are willing to whatever it takes to work on this situation.


OC Teacher
Find a 2nd job then tell him that you plan to pay it all yourself.


I C
Rating
well i would be honest with him. i know he will be furious but say i am so sorry i dont know what came over me i will take the things back that i can so it will help depleat some of the expenses. I think i should not have one for 3 months then when i do get it back i promise only to spend it on things i really need. sorry i cant be of more help. i dont like credit cards myself. I had only one and it took me a long time to pay it off. i wont do that again. good luck...


jamsay
just go on tell him ,i did that once ,i talled him one day before he knows ,first he get angry a bit but u know when there is love between u and him nothing is difficult ,woman has a way to not let her husband get furious or angry with her ..i think u know how to treat him ..believe me when u just touch him he will forget what u have done .that s what i think ,don t know what is your opinion ..specially if he is crazy about you...


Jill: K.M.A.A.
First, don't play mind games with him. Don't dress sexy or cook a special meal, or anything like that. It's demeaning to you and to him.

Act like the adult you are, gather the statement, sit down and lay it out in front of him. Don't make up lame excuses or lies. The worst possible thing you can do is lie to your husband (and vice versa). One lie just leads to another, and he deserves total honesty.

Whatever the reason is, just give him the dignity of giving an honest reason, even if it sounds irrational. Pregnancy, anger, hostility, getting even, whatever, is no excuse to rack up debt. Debt is no laughing matter and it doesn't matter if he makes big bucks or not..........it's still a debt someone has to pay!

Now, if he gets furious with you, that's fair because you put him in this situation, so I think he's allowed to be really upset, don't ya think? After the dust settles, you need to get to the heart and soul of why you need to spend money out of control.
It doesn't matter how much either of you make, spending just for the sake of spending, is irresponsible and juvenile.

Please, don't belittle yourself by using pregnancy as an excuse. You'll give all pregnant women a bad rap that isn't deserved!

Good luck.


dorikate
It shouldn't matter what he thinks it's your credit card


Iyashii
Rating
Perhaps you have a personal reason tied to this; if so, try and be as honest as possible and sit down and explain it to him. If he loves you and cares about you it shouldn't be that much of a problem in the long run.. shouldn't have waited so long to tell him though, that could hurt credibility points.


Live Laugh And Love
yes he probably will be but you need to be honest with him and tell him the truth

Never Lie To Your Husband. Honesty Is Always the best Policy.

Just Tell him straight up you don't know why you did this and you will be more careful in the future

You'll only Make things worse in the long run if you lie to him

Sit Down and Have a Calm Heart To Heart With Him


Mary Jo W
plan on getting pregnant more often


Марияна от България
Rating
Tell him immediately. My husband ran up his credit card only. I spend on as money, as allowed me.


Christine H
Rating
Wow. See a doctor about you hormone levels and accept the fact that your husband will be angry. During a quiet moment when he's not stressed out from work, tell him gently that you need to talk. Be physically touching him when you let him know that you are first, very upset with yourself and that you've been afraid to let him know because you know he'll be angry. Then tell him the problem still touching him until he pulls away. Offer to relenquish the credit card.

Yes, again he'll be angry, but give him some space for a while. He'll come back to you.


Tyler W
Give him some head


Lollipop
ok.. all u hav to do.. is dress up sexi or give him wht he likes the most for him.. and then while he is eating or looking or doin wht he is doin.. jus spill the beans.. or for a safer one.. make him drunk.. tell him.. and then make sure u record it.. then u show him when he says he never said yes or no


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