 Statute of Limitations for student loans? |
| I have a student loan, part of it is provincal and the other is federal is there a statute of limitaions on these loans. They reported on my credit buera but have come off because it has been 7 ... |
|
 Co-sign a car, will they check my credit and other things? |
| If i co-sign a car loan for my friend, will they check my credit (employment and all the stuff), and also do I need to provide all employment history and stuff?... |
|
 Do Americans spend more money using credit cards or cash? |
| I heard that if you pay for everything with a credit card, you end up spending 12-18% more. Is that true? Please include sources if at all possible.... |
|
 Credit cards???? |
| If you have a credit card and do not use it to purchase anything do you still get a mnthly statement looking for payment or anything?... |
|
 I have applied for a loan but the company want me to pay a brokers fee first, I have come accross this before? |
| The company want me to send a cheque for £39.99 and they say the loan is provisional - anyone else come accross this and is it genuine or a rip off ?... |
|
 I can't pay my bills for the first time ever. What will happen to me.? |
| I lost my job two months ago and have only found odd jobs since. Im in college full time and have a car payment, 5 credit cards (havent used any for 3 years), phone, rent. No parents to support or ... |
|
 What is the best way to fight a collection agency? |
| I am disputing a bill with a collection agency. Even though I have informed them that the bill is incorrect 3 times, they still have reported me to the 3 credit bureaus as being late. What good is ... |
|
 Im 17 years old and i was wondering what should i do to get GREAT credit ? i dont want bad credit. lol? |
| Plus i want to get a GOOD credit card when im 18 or older. but i dont know what i should do to start building the credit. i dont know how all of this works. ... |
|
 How to get a loan with not so good credit? |
| I need a loan of 1000 dollars and I don't have good credit. Any suggestions on where I can get a loan from? No payday loans ... |
|
 Is it cheaper for a merchant to process credit or debit? |
In general, which results in fewer fees for them, and what is the benefit either way for me?
Additional Details
My bank (credit union actually) does not charge a fee for card use, ... |
|
 Do i have give the bank the money? |
| recently my bank card was stolen and somebody used it to commit fraud and spent thousands. However, my card was reported lost before the card was used for fraudelent activity. The bank say that I am ... |
|
 Pre-paid credit card? |
| do prepaid credit cards help build ur credit score?... |
|
 I need a credit card to pay off trips. Any suggestions? |
I am a senior in high school and have no credit but i am 18.
Additional Details
I am getting ready to go on 2 school ... |
|
|  |
Popotitozz R | How many credit cards SHOULD I HAVE? |
I am 21, and have 1 credit card with a $1250 dollar limit.
I am just starting to build my credit, bought some furniture and I am paying it off every month. I also never miss any payments on my credit card.
Should I get another one to build my credit even better, or it doesnt matter? |
 |
 
C2theALEB
|
Well if your doing okay with your current credit card you could get a new one to help build your credit and gain rewards. I work for discover card and we have great opportunities for that like you can get 5% cashback on all your valentines day purchases and the categories change throughout the year. You could get a gas card or even a miles card if you like to travel. Hope you get everything figured out. |
|
Curious
|
hope someone has explained the importance of paying as much as you can against the balance. paying the minimum every month will quickly rack up huge interest costs. getting another card and incurring more debt isn't going to help your credit -- you could get in trouble if you start using credit to cover everyday living expenses instead of extraordinary ones or emergencies.
I'd stay with one and see how it goes. |
|
The One Everyone Needs To Know
 |
honestly, i am in the same position as you. i am not going to ONLY BECAUSE i feel that i am on a steady path working to pay something off and more bills and charges would confuse me and i would forget to pay or wouldnt have enough $$ to pay so then i would end up in debt. I would stay on the path you are on because your doing great and not in debt, stay that way
GOOD LUCK!
Jason |
|
AusBound
|
As long as you pay off your debt every month then it should help build your credit. Be very careful. Getting good credit is hard, but repairing bad credit is even harder. |
|
Troy K
|
Credit is a very dangerous thing to a young person just starting out.There are pitfalls waiting around every corner, so choose widely. Research your options before you apply for another card. remember to make your credit work for you. give this a look:
http://www.candidlyyours.biz/credit |
|
Sailon
|
One should do it. |
|
heybulldog
 |
Zero.
Get a debit card. it will do anything a credit card will do except get you into debt.
Don't obsess with the fico score. All it's good for is getting you into debt.
You have to borrow money and make payments on time to get a high fico score.
You have to keep borrowing money and keep making payments on time to keep a high score.
Pay as you go.
Live on less money than you make and you will have money.
the only time you might have to borrow money is for a home. You can do that without a fico score. It's called manual underwriting. It's not a sub prime loan. It's the way loan where givin' before all the fico score worship. You can get the lowest interest rates available. |
|
★→Damianâ†â˜…
 |
Yes it does matter. if you have at least 2 or more open major credit cards, such as Discover, VISA, MasterCard, or American Express, on your credit report. This often tells lenders that you are a responsible borrower and they may be more likely to see you as a good credit risk and extend you credit. your credit score will increase with 2 or more credit cards open. |
|
John K
|
ZERO would be best.
Go to a Credit Union and see if you qualify for a small personal loan. Use that to buy furniture or other stuff. You will build up your credit and pay less doing it. |
|
Reformed
|
I would recommend 1 card or no cards. Pay your credit card balance off every month will do more to build your credit rating, as well as you other bills.
More importantly, save, save, and save some more. Put the power of compounding interest on your side, not the banks!
Then, when you need to buy a house (the only thing you really need to go in debt for) your all important debit/income ratio will knock it out of the park. |
|
younglady50
 |
I think 1 card is more than enough. You have a good credit limit there. The bank has seen how you have paid your monthly bills and has rewarded you with such a high limit for someone new to credit cards.
I would suggest keep buying things you need not want. Credit cards can be very addicting. You sound like you are level-headed especially when paying your bills and not being late. Credit companies look at this very seriously. Also, if you have any other bills such as utilities, keep abreast on those too. Credit card companies are also looking at those too for timely payments.
Sometimes if you get more cards, you tend to spend more, which in turn can get you into trouble. Keep doing it this way, it will pay off in the long run. Good luck to you. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 25 minutes(s) ago
| | | |
11 | 41 minutes(s) ago
| | | |
11 | 3 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
11 | 7 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
11 | 6 day(s) ago
| | | |
11 | 1 week(s) ago
| | | |
11 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
