 My mother has bad credit, I have no credit. Can She still co-sign a credit card for me? |
I'm about to turn 21 years old and I have no credit.I don't want to get an insured credit card, so that's out of the question.
My question is, can my mother cosign a credit ... |
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 What does my credit score have to be to be approved for a home loan? |
| I am restablishing my credit because I want to buy a home. My credit score now is 550... |
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 How can i get out this credit card debt ? |
| I don't have a job right now i can't pay my bills everybody is calling me to make a payment i can't give them what i do't have. one company has sent me execution payment request ... |
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 What can I do to improve my credit, so I can get a loan? |
| Got denied credit because of 3-4 unpaid very old debts that have been turned into collection agencies years ago. (3-5 yrs) The total is low, and they are hospital bills and a cell phone bill. Peoples ... |
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 I have several credit cards from years ago that I never was able to pay? |
| I am always getting letters telling me to pay the debt and the amount keeps getting higher. I am not able to pay these off in full. What should I do? What can the companys do to me if they are not ... |
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 If you default on your credit card,can the card company sue you? |
| Say you have about $3500.00 on one card and $3500.00 on another card, can you be sued for not paying?... |
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 Is 14.99% interest rate ok if you are new to credit cards? |
| it's 0% for 6 months,then 14.99%,it has variable rates,14.99% or the prime rate plus 9.99%.... |
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 What can u do if the bank agents are harassing your family coz of overdue payment? |
| I have a loan which I wasn't able to pay before I left my country 6mos ago..but is willing to settle it.The thing is the company is harassing my family..what is my legal right on this? please ... |
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 Can I get a realistic answer for getting out of debt? |
| I have read and listened to numerous "get of debt" solutions. Are these books for real? The rolling affect of once a credit card is paid off put that payment on the next credit card and ... |
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 Where can I find a good interest rate on an Auto Loan if i have bad credit? |
| I recently bought a car and my interest is 25%! That is horrible. . but I needed a car VERY bad. Where can I find a place that will finance someone with bad credit. . but have an interst rate better ... |
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 I'm being sued by an old credit card---! Help? Advice? |
Anyone been through this?
What can I do, and can they get any money from me?
It's an "unsecured" card, not tied to a bank account.
Should I declare bankruptcy---or is ... |
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 Will my bad credit affect my boyfriends good credit if we get married? |
| I have HORRIBLE credit, and my boyfriend has near perfect credit. He owns our home, and vehicle, has a few credit cards, as well as a decent amount in savings. And I'm wondering if we get ... |
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 I have very bad credit but truly need a small loan of about 5,000...? |
| Is there anyone who can lead me to the right lender and please no links to Prosper.com!!!I tried and they were of no assistance to me because of my credit. I hate payday loans and they really have me ... |
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Kristi | How do I pick a good bank? |
I'm in a federal credit union and they keep taking my money. I'm paying over $32 in over draft fees when I supposedly have overdraft protection. Half of the time, when I am overdraft, I should not be. I check my balances before I use my card. Does this mean that the transfers are taking a long time to be posted? I hate my bank, they're making me poor. Over $600 reduced to $313 and I haven't been spending anywhere CLOSE to that much. Any websites to help me figure out where to take my business? Or am I completely wrong and what they are doing is ok??? I cannot believe it would be ok, but I could be wrong. Thanks |
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Gusto Girl
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Here are some tips on picking a good bank:
1. If you like to visit the branch, try to find one that's near where you work or live or at least pass by. If you use ATMs or point-of-sale in stores alot, then the branch location doesn't really matter. However, if you need service from live people, you need to find one that has easily accessible employees.
2. The smaller local banks almost always are tops in service. Look for a mutually-owned (vs. stockholder-owned) bank...not too many of them left, but there are some. These banks don't have to answer to their stockholders where the stock price is the overriding decision-maker of all things. You'll find these banks have good employees who have left the bigger banks after they've merged or been acquired.
3. What's most important to you? Higher deposit rates, lower mortgage/loan rates, free ATM use, free checking (all banks have this, but watch for loopholes)? Zero in on your local bank that offers what's most important to you.
4. As far as your overdraft fees, you're getting charged for what's called "uncollected" funds, or monies you've deposited that your bank hasn't yet "collected" or been paid for from the bank upon which your deposited check is drawn. Ask the bank "how many days until my funds are considered collected?" Smaller banks will typically give you collected funds in one day. Bigger banks clear checks through several channels and often will "hold" your money for up to 5 days. This is important, so ask the question. You'll find many variances among banks.
Good luck! |
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darkmanic1
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Even if you are checking you balance if you are using an ATM the will show your total balance that you can take not how much you have before overdraft. The best thing to do is to wait while a couple of your deposits go in and see what your over draft is. If you want a different bank TD has a special right now where they are giving IPods away to people who switch their banking to them so you might want to check them out. But if you want a bank with really high interest my suggestion would be ING the have a 2.5 daily compression right now so your money grows really fast |
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kiki1977
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i have been going to commerce for the last 3 years and i love it there. the rates are great and the hours are wonderful. the are open 7 days a week including Sunday. i guess it depends on where you are from though. anyway you can check out commerce banking and their online banking at commercebank.com. i hope this helped and good luck |
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answerhog
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If u were thinking of savings i would go with an online bank such as ING Direct or Citibank, These guys are offering 4.25% and 4,75% interest respectively.
www.ingdirect.com
www.citibank.com
You can find other bank information at www.bankrate.com |
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Peter in La Jolla San Diego CA
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What city/state are you near? Repost more details to your question please.
Citibank is the best IMHO! Great online banking and billpay. But yes, fees if you are under a certain balance, maybe $2000. They also charge to print checks. |
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Clogged-Up
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I have found that if the bank is local to your area and not a national bank, you would be better to bank with them. We have several local banks in the Buffalo, NY area, so I would think all areas have the same.
Stay away from HSBC if you have it in your area. The calls are transferred to a different country. The Reps are so hard to understand and they don't seem to understand us either. |
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daddysnurse
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I bank in two different banks. I went with a larger, corporate bank for one account and a small locally owned bank for the other. I have found that living in a small town, the smaller bank has much better service and they are much quicker in helping to resolve problems than the larger bank. I would go to a nearby smaller community (if you live in a big town) and find a smaller bank with the things you need. |
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jimbobb1
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Find one with little security and a clear escape route. Make sure you wear your mask and spray the camera. Good luck and try not to shoot anyone |
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ab_oldgal
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I work in a credit union, and I know it does take a while for transfers to take place. You need to check your balances in the credit union to get your actual balance, because you can't really count on the internet or the atm to be the right balance. I agree with you that it is riduculous to keep paying fees but its not an overdraft fee it is a non-sufficient funds fee. If you have any other questions about your account I would talk to someone in the credit union that can set you straight |
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whatever
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well i always keep my money under my matress try that for 2 years and report back |
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