 Will collector's actually sue me? |
I owe over $130,000 and I no longer can afford to make payments. Some of it is credit cards and some of it is loans from Chase, Bofa, Capitalone and American Express.
I know the creditors ... |
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 Credit card ? ? |
i have a credit card if i put it in a glass of water and freeze it in the freezer then take it out a day later let it unmelt use a tea towl to dry it will it wotk again.
Additional Details<... |
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 Can I pay for school and living expenses entirely on credit card and with loans? |
| I want to go back to school full-time. I don't want to work full-time and crawl through school part-time. I will shoulder any high interest rate to make this happen. Is it possible? School and ... |
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 Yes .loans? |
| i have been offered a loan of yes . loans and want to know has anybody else had a one of this loan company. and what are they like???... |
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 Despite high APRs, why do people still take payday loans? |
| I came across this website http://www.wongatree.co. . It seems almost all lenders charge APRs, 500%+. Why are payday loans still popular?... |
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 Why would anyone pay an APR on a credit card when you can get one with 0% introductory rate for 1 year? |
| A lot credit cards today give you 12-18 months with 0% APR.....After the intro period is up just cancel the card and go on to another one that is offering the same type of promotion. I just don'... |
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 Help paying off credit cards in order.? |
im getting $3000 for income tax returns and need help paying off these...
BB 809.16 19.8% APR
Dell 1,543.57 28.49% APR
sears 1,021.11 27.24% APR
N... |
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 Ebay credit card...? |
hi, i'm wanting to bid on a product, and it wants me to 'place' my credit card details on ebay, its secure and everything, but it says -
card number (visa and mastercard) and my ... |
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 What are the best practices to develop a good credit with a credit card? |
Please read first:
I'm well aware that it is ill advised to carry any balance over that would accumulate interest on a credit card.
I'm also aware my balance should always ... |
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 Good credit or Bad Credit? |
Help, Solve a fight between my husband and I......
Can having to many open credit cards with zero balance hurt your credit rating? Does it matter when you are trying to get a loan, let... |
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 Will it mess his credit up? |
| My boyfriend has a card with a credit line of $400. He went over his credit like by about $100. His minimum payment is $120. He doesn't want to pay the minimum. He says as long as they get some ... |
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 Posting credit and auto loan? |
| Below, is an example on how my auto company posts my credit report. I don't know much about credit but, as it is posted seems incorrect. Does this seem viable for a valid dispute. It seems to ... |
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 Need a loan without a credit check? |
| need money but cant seem to find a lender for me? anyone know someone or place to get loan with bad credit?? ... |
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 I need $$ BAD Can I pull out of Credit Card? |
| I have a capital one card with a limit of $500, I've spent $150 already on it, can I pull out the remaining amount in cash from an ATM and use it? I'm desperate to help out a friend in ... |
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puppychow1986 | How do I stop Capital One from scamming me? |
I am in quite a bit of trouble with crapital one and I have no idea how to stop them from scamming me. They added charges that placed me over the limit and then charged me over the limit fees and continue to do so. I am considering bankruptcy. Has anyone else had a similar experience? |
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JY.
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Go to another bank. |
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aditya_dhaliwal
 |
report to government. Sue. Change banks. Publicize. Get really angry. |
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SPIFIMAN1
 |
When you signed their agreement you gave them permission to charge you whatever their guidelines say. So stop whining and pay your bills.
They are not scammers, they are simply charging you the fees that you agreed to. Capitol-One is one of the largest banks in this Country, I deal with them every day and they are always going above and beyond to try and help people. |
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ScamFree2007
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havent had similar experience but if u wanna get even report them to your local news if they are scamming you, if u ever need further information on money scams http://scamsbeware.com is a good resource center to help you stay informed, best wishes. |
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kanijas
|
That's what credit card companies do when you are at or close to your limit.
Make a SERIOUS effort to pay the fees to get you below your limit (pay the interest, over the limit fees as well as the minimum, more if you can afford it). |
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jeangirl
 |
By signing the agreement for the credit card - unfortunately you authorized them to do this. They are scammers - but you are NOT bankrupt!!!!
If you want some SERIOUS advice - and a way to turn your finances around - go to www.daveramsey.com and listen to an archive of his radio broadcast. Join a Financial Peace University class in your area - it will turn your life around and change your family tree! We paid off $18,000 in our first year.....our 2nd year we got beat up :) .....but now in our 3rd year - we'll be out of debt by the end of the year - only having $12k left. :) We make $50k a year and have 3 young sons - along with our oldest going to a private school......
You're NOT bankrupt - you can get out of this - it just takes a little bit!!! and trust me - IT'S WORTH IT!!!!!!
If you have any questions about FPU or Dave Ramsey - email me! |
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libbybaldwin29
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I've had an account with Cap 1 for years and never had any problems! Recently I had an outrageous charge on my card that I did not authorize that put me over my limit...which caused an over the limit fee. I called Cap 1, and they immediately reversed the charges, took off all interest charges on those fees and charges, and placed my card back to where it was!
So my question to you is were you close to your limit and possibly missed a payment? Because a fee for late payment would put you over, then you'd also be charged an over the limit fee. This is not fraud or scamming...it's what happens with any credit card company! You sign a contract giving them permission to do so when you got the card!
Every time I've ever had a problem on my card, I simply call cap 1 and they fix it! However, I'm sure if it was a problem I caused they would not fix it...because if I actually owed the charges due to being late or going over the my limit...then I'm at fault and can't expect them to take off the charges!
If this is the case then you just need to pay it down before it gets way out of hand! If it's already out of hand then you need to call cap 1 and figure out a plan! They'll help you if you ask, but they wont take off charges if you really owe them! |
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Anah B
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If the charges are fradulent, report them to the company. You can find the "dispute" address on the back of the statement. Dispute the charges in writing, send them certified mail, return receipt requested. Then call the 800 number and start asking people to drop the overlimit fee, you may have to go through several people to get this done.
Bankruptcy is very serious, and expensive in its own right. It costs almost 2k now, so if you can get yourself out of the mess with Capitol one with less than that, I would. |
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