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 Credit cards?
what is the best type of credit card to get in your opinion? one with a low interest rate and no annual fees?
Thank you!...


 If I could, what would be best to pay of first: Student Loans or Credit cards?
I owe about $10k in credit cards and about $50k in student loans. I feel I should ditch the credit card debt first since I can claim my studen loan interest on my taxes. What do you think?...


 What's the best way to find a new credit card?
We currently have one credit card, but the interest rate is ridiculous. I want to transfer the balance to a card with a lower interest rate. What's the best way to find a new card with lower ...


 How do credit cards work?
Do you not get charged finance charges if you pay the minimum monthly payment or do you have to pay it off fully every month?...


 Do medical bills stay on your credit if you do not pay them?

Additional Details
does it effect your credit or just stay on your ...


 Can I withdraw all money from credit card ?
I would like to withdraw all money from my credit card, because i have to pay for something, but they do not accept debit/credit cards.
I don't mind to pay some charges/interests. I want to ...


 I have multiple accounts in collections that I'm paying on monthly.?
How long would it take if I start to double up on my payments for my credit score to rise?...


 Can a hospital bill ruin my credit If i dont pay it in full?
I don't have insurance, and I got a bill for $600 and then another for $200. I dont have that kind of money, I sent in $50. and when I get paid next I plan to send more. But will it be bad ...


 How do begin credit when you've never had credit before?
I mean to apply for a credit card you have to have previous credit...but if you've never had previous credit..how do u apply for a credit card and actually get one?...


 How many are too many credit cards?
I have 10 and my spouse has 13. Is this too many or not enough?...


 Even though I paid the debt, I can't open a checking account after being reported to check systems. Help me?
I had an overdraft that went unpaid and was reported to check systems. I paid the debt in full, but I'm still unable to open a new checking account with any bank. What can I do?...


 Does anyone know of a website that offers payday loans without bank account or credit check? Oh, and same day?
I live in Texas, I don't know if that matters....


 How do i repair my credit?
...


 Does a unpaid doctors bill affect ur credit score?
...


 Does anyone know if you can go to jail if you dont pay your credit cards?
My uncle got a credit card and put me down as a second card holder.. Now I have to go to court.. What will happen if I dont show up?...


 Which banks give debit cards to under 16s? (a 14 yr old)?

Additional Details
to brittany.. dont you realise a debit card and a credit card are 2 different things. THANX....


 What happens when you give your car back to the lender?
I've put like $3,000 into buying a truck, I tried to trade it in the other day and they said I had to make four more payments. I Found out that out of all the money I've given them I'...


 Is there any hidden fees in no payment no intrest ?
im thinking about buying a tv at sears and and if i sign up for a credit card that grantees no payment no intrest for up to 12 months.

is there hiddin fees and would it be a bad idea?...


 How do I fix m y bad credit in order to get a credit card?
I was able to get two small cards and bought things and made payments but I cannot still get a major card. What do I do?...


 Increasing a credit score enough to buy a house.?
What is the average time it takes for a persons score to increase if they are paying all their bills on time and paying down installment loans and credit cards. How much should it increase in say 7 ...



jenny j
How do you make your credit alot better in less than a year?
                     
 




Not Laughing w/ U
Rating
1st - Don't close your cards that you have had for a long time just pay them down and don't use them. They will show a long credit history which is good.

2nd - Pay every card that you can down to 35% or less of the limit.

3rd - Get your reports and start challenging all incorrect data. Even make sure your address is correct.

4th - If you only have a capitol one card for example that doesn't show the credit limit and only shows the high amount then max it out so it will show a high limit them pay it down to 35%. You'll need to leave the debt past the (i think it's the 25th of the month) so that it reports then pay it off before your next bill so you don't get interest. -you can max out a card by using it for all your monthly bills (whilst keeping that money in the bank one month) then pay it off the next month.

5th - don't pay anything that reports late. If you are tight on cash then pay a credit card minimum before you pay your utility bill because:
a.) a utility company doesn't report until it goes to collections (which by the way you really don't want to happen because collections looks really bad on credit.)
b.) late fees for utilities are usually lower than those for late CC pymts.

Hope some of that helped.


M Y
charge everything on a credit card each month and then pay it off every month. You want to have a lot of activity and always paying it off on time. Do not close any long-standing accounts - keep them open at zero - a long-standing credit history is an important factor of yoiur credit score.


bianca
Rating
pay your credit cards debts below 40% of their limit and pay your bills on time. DO NOT close any credit cards- they are building your credit history. the longer you have them, the better, plus this will help you with your debt ratios.


nabdullah2001
Pay off your debt entirely and in full


pknipping
Have 1 card with a small balance that you pay off each month. Get rid of all your store credit cards (Target, Nordstroms, etc) Also, make sure all your old cards are paid off.


Sheryl R
Pay BIG payments on your existing debt. Also, be aware (I found out recently) that every time your credit is "checked" (for a purchase, or even to rent a place...) you lose points!


angelino911
you pay all your bad debt and ask them to clear it immediately.


Daniel O
Rating
get a new card use it pay of the balence every month and if you have a lot of debt on one card and none or little on another distribute your debt on all cards so you have lest han 50% of your credit limit


speak up
Rating
tell all the debtors involved (by mail)of your financial situation and your plan to resolve it
offer them all a smaller amount of payment that you can cope with and stick to your word
they all want it resolved too -they will be ok with it and when paid back- probably/usually will lift any bad ratings against you
BUT TO WORK-YOU MUST STICK TO YOUR PLAN-so think carefully what it will be and how much you can afforfd to pay back without leaving yourself short all the time


hi
Rating
Read some useful credit tips on this site to help you


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