 How do I clear up supposed bad credit? |
| Each time I try to apply for a credit card, I always get the same response saying something about debts that I owe or something like that. I am wanting to know how to be able to clear those things ... |
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 How do you identify fake money? |
Additional Details
What I mean by fake is counterfeit money.... |
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 My friend was issued a HSBC credit card but never used it, and is being charged 15 $ per month, is this right? |
| My friend, who knows limited English was sent a credit card issued by HSBC bank in the mail. He signed the application, and was sent the card. He never used the card, but started getting bill ... |
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 Is this company legit or a scam? |
| I have pretty bad credit from when i was married im trying to build my credit.I have a score of 546 i know kinda crappy but this takes time.I applied for a loan through safenet financial the guy ... |
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 I am considering bank rupzy sorry i can not spell it..spell check is not working? |
| i make about 1800 hundred and month..rent is 614.. light around 130..cable 114 that includes phone and internet.. bills around 450..ins 90..my bf is on my checking account because we live together..... |
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 Paypal question? |
| How safe is it to use paypal? Somebody told me that people can make refunds without you knowing, is that true? I want to start using it for ebay and stuff, just needed to know.... |
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 Is it a scam? I got a check in the mail should I cash it? |
| HAS ANY ONE EVER HEARD OF THE DOMINION GROUP INC. I got a letter in the mail with a check that says that "This grant is a prize you won. It is not a loan and does not require repayment. They ... |
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 Question about a loan and Bankruptcy? |
| I filed for Chapter 13 three years ago with a 36 month payback plan, I have almost finished the plan and had a question. I didn't include my house, I have never been late on my mortgage. Once I ... |
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 What Is the Best Credit card to help fix bad Credit? |
| What is teh best credit card to get to help fix credit? My Credit score is not good...Like a 550...I Need to get a credit card but no one will approve me! Help!... |
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 How does a foreclosure work? is it really that bad of a thing to do? i want out really bad!? |
| i want out of my house. i hate the man i live with. he is abusive and just not a very nice person. he can't refinance the home because of his credit....i don't want the house. we cant sell ... |
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 Is 699 a good credit score? |
| Hi! My boyfriend and I are moving into a new place together and I'm trying to get financing in a new tv...I have a car payment, a student loan and a major credit card. Do you think I will be ... |
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 Who has a Capitol One Credit Card? |
| If you have a credit card with Capitol One; what do you think of the service Capitol One provides you with? Are you satisfied with the service and capitol One? Give me your opinions about Capitol O... |
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| How can you get something taken off of your credit report that has been there longer than 7 years? |
| I have recently been turned down for a mortgage b/c of a credit card that has resurfaced and it has been charged off for over 7 years. I need to get it removed ASAP so that I can start my home ... |
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| Why would bank of america lower a credit card limit when there has never been a late payment |
Additional Details
No. There were no recent large purchases. I'm never late on ANY payment that I have. I really pay attentiont o my bills.... |
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 Need help on a credit card financial issue please!? |
| If you have a credit card maxed out at 10k dollars, would it be best to get a loan, pay it off and close the account then pay off the loan? Or pay off the credit card? Only reason im asking is ... |
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 When you get your credit history checked, what information it gives about you? |
| Sorry for a stupid question, but I am new to this. When someone checks your credit history, can he see exactly what you are paying for {in case of a bad history what you didn't pay for} or he ... |
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 What's the best way to improve my credit? |
| I don't know what my score is but at one time I had amassed about $4000 in debt. I've paid it all off but I was late abunch of time and had three credit cards go into collection. I know ... |
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 Help! Help! I want to obtain good credit but I am confused? |
| I have an outstanding account with Capital One that reaches it's seven year mark in 2009. I want to pay it off but I get mixed reviews. I consuted a credit consolidation and a bank that tells me ... |
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baddy | How do banks and earn from Credit cards, i dont pay any annual fees or interest charges,? |
I am using credit cards for the past 3 years( all are life time free cards). No annual fees, i always make full payments every month, so i had never paid financial charges or late payment fees. apart from this i get bonus gifts for my usage. From where does bank get revenue on credit cards. None of the merchadise charge for making payment through credit card. |
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Leizl
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Credit card companies don't really like customers like you lol. There are plenty of people out there (like me) who aren't as responsible with their credit. Many people default and get a higher interest rate, get late charges, and over limit fees. My Citibank card makes $120 a month in interest alone off me.
I have been trying to pay it off $1000 a month but now my dog needs spinal surgery so thats paying that is more important. Good news for Citibank. |
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mikenwu99
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The places that accept credit cards have to pay fees to each credit card company per transaction they accept. So the credit card companies make money on both ends of the transaction... They just make more on people who only make minimum payments. |
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curtisports2
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They charge the merchant anywhere from 2.5 to 3.5 percent of the charge plus a transaction fee of at least 30 cents. That's why some merchants have a minimum charge before you can use your card. |
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SlimMick
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Please don't take pity the banks......they make billions in exorbitant interest charges....the concept of usury has largely been discarded.....On top of that...banks are making billions more in over the limit, late and other "creative" fees. |
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aegisaaron2000
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I work for a credit card company. The majority of Credit Card holders do not share the same traits as you do. Finance charges are the numbers one revenue source for CC companies. The majority of banks borrow money from the federal reserve at 2% and turn around and lend the money anywhere from 7.9% or even higher. That is a huge money maker not even including the amount of money possible made off fees. |
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bigleybill
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I use credit cards the same way you do, pay the balance off each month. The banks refer to people like us as "dead heads" and may not make any money on us but carry us because we have good credit. They don't have to worry about us. Don't worry about the banks making money , they make plenty off the people that carry a balance. |
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flasteve
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they make money 2 ways:
1. they charge the merchants for using the card, usually 2%-4% of the transaction
2.they get paid interest by the users of the cards (you are in the minority if you pay your card off every month, GOOD JOB!!..)
SMD |
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tuxcatluvr
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Yes mike is right. The places that you charge at pay a fee everytime they swipe a card. So the card company still gets something everytime you use your card. You are not really at all that profitable for the card company but you still bring in a little so they still want to keep you and give you stuff for your loyalty to them. |
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barneycrisp
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All merchants who accept credit cards pay the Transaction Fee: when you buy a 6-pack with your credit card the owner of the 7/11 pays to the Visa or MasterCard or whatever... |
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carmen m
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In that business isnt just you
many people has their credit card to the max |
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