 I Cant understand why so many of my friends have debt problems? |
| But yet they want to buy a new car every other year. They want to buy £90 pairs of shoes have 2 holidays a year etc etc. Then they wonder why there credit card is "Maxed out" Why do people ... |
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 How do you get a car loan if you have no credit, but bad credit? |
One of the things car dealers look for is established credit, if you do not have it they offer the first time buyers package.
Only I don't qualify because even though I have no credit,... |
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 What are some ways (that won't cost money) to moderately improve your credit score? |
Additional Details
I heard you can improve your credit by selecting the 'credit option' versus the 'debit option' when using your bank card. Is this true?... |
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 What makes a good credit card? |
| i am interested in getting a visa card but unsure how to find something ideal for a ... |
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 Is net shopping through credit card safe? |
| I want to purchase some items from US. But i am worried .... |
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 We've been approved for a home despite our low credit score? |
| We have mostly medical bills on there. What are some of the things that could stop the closing dead in its tracks. We're building our home and I am just not excited at all fearing that the ... |
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 BAD CREDIT AND NEED credit card? |
| I WAS WONDERING IF ANYONE KNOWS OF A CREDIT CARD COMPANY THAT WILL ISSUE YOU A CREDIT LIMIT WITH NOT SO GOOD CREDIT. LIKE BANKRUPTCY, REPO ETC..THE MONEY IS NOT THE PROBLEM BUT I HAVE BANKRUPTCY OVER ... |
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 Does it look bad when I request my own credit report? |
| A woman reviewing my credit at a credit union today said that it generally looks bad if my report has been accessed 6 times in one year by credit card companies or lenders. When I access it myself...... |
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 I am trying to clean up my credit. I was wondering what is the fastest way to get rid of it? |
| I have 5 credit accounts: $183, $1,027, $1,551, $4,300, $6,400. I just started working a little bit over a year now as soon as I got out of college. Is there anyone I could talk to about getting any ... |
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 What would you do if...? |
| Someone you know or someone thats related to you got a hold of your ssn and used it to get credit cards with your name on it cause they're money hungry? I'm having this problem and I don�... |
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 Why can't Americans pay their bills on time? |
| The current credit crunch crisis stems from the fact from the American people's inability to pay their mortages on time. Why is this the case?... |
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 What do you do if someone gives you a check and the check came back NSF and there account is closed? |
| I received a check and I had deposit it and it came back NSF and I cant get in touch with the people and there accout is now closed, what do I do?... |
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 I am a small business manager. A debtor owes $250 and moved out of state. He owns no real estate.My options? |
| BTW, in my business, all the income is in small "bites"-- $25, $35, etc. so I'd rather not just let $250 just slide. The debt is 2 years old (and not bc we didn't try to collect). ... |
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 How much do Credit Repair companies charge? |
Any idea how much it costs to have a credit repair company try and fix your credit report
Additional Details
I know that credit repair is mostly a scam, but I'm curious about the ... |
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 Fiancée's Parents Taking advantage of and ruining her credit? |
| My fiancée's parents have used her credit for the past couple of years for cable, internet, and other utilities. She spoke to her mom about it and her mom supposedly canceled the dish account. T... |
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 Is now a smart time to pay off credit card debt or save? |
| I'm just curious. I should be coming into a little money sometime soon and I didn't know if it would be more wise to pay off debt or to save, seeings as the economy is being flushed down ... |
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kirsten_natalie1985 | How many credit cards you carry? |
How many credits cards you carry? I like to have a VISA credit card since it's accepted to almost anywhere. I like to have an American Express too since I always buy at Costco in bundles and it will give me cashback every year. Do you think it's too much? |
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VinTek
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4 cards.
Citibank Mastercard - no balance. Pays back 5% on gas, supermarket and drugstore purchases, 1% on everything else. I get the maximum $300 cash back out of this card every year.
Chase Mastercard - no balance. Pays back 1% on everything. I usually get $100-200 cash back on this card every year.
Wescom Credit Union Visa - no balance. I only use this card when I travel overseas because it doesn't have a 3% service charge for currency exchanges like the other cards I have.
Chase Visa - carrying an $9K balance at 0% interest (introductory 1st year offer). I took out a $11K cash advance (cost me $75) and put the money into a CD paying 4.75% interest. When the year is up, I'll pay off the card and keep the interest earned. Net gain: $447.50 before taxes.
Basically, once you get out of the hole, credit cards can be a good tool for generating extra money on stuff that you're going to buy anyway. The main thing is to keep tight control on your spending. If you can't afford to pay off the card every month, you probably shouldn't buying the item.
Most people make the mistake of believing that credit cards stretch their money because they can buy things they can't normally afford. But that's a mistake. The reality is that you not only have to pay for whatever you purchased, you also have pay interest on top of that.
Credit card companies offer deals to lure people in. The key is to make those deals work for you, instead of falling into their trap. The company will lose money on you, but they don't really care because they'll more than make up their losses on you by profiting from those who get can't control their spending. So take control of your life and stay out of the hole. |
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Christine Z
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I carry an ATM/debit card attached to my checking that is also a MasterCard. Usually I do not carry the other card unless traveling. Credit cards just add to the temptation to buy more and any rebates or savings are lost in the extra spending for me. The annual fee on an American Express or an accidental late payment would negate any yearly rebate. Get rid of credit cards! Just my opinion! |
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THINKMAAN
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I have one credit card, American Express. It is better to have Visa or Mastercard. They get excepted almost any place. Two credit cards is find. Just in case they don't excepted one of them, you have the other one ready. That's is not the case for me, I have only American Express. Looking forward to have another like you. |
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Girly♥
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NONe cuz i pay with cash. |
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mom of 2
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1 credit card
1 debit card
1 store specific credit card |
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thecharmedfive
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10. I have two Amex, Discover, 3 visa and 4 MC. I only use my Amex though...have to pay it off at the end of the month.
There is nothing wrong with having multiple cards, just be careful and don't go on a spending spree! |
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harleyryder42
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I carry (4)..pay them off every month |
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meggiek97
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As long as you pay the entire balance every month it is okay to have a few credit cards. Just be careful what you spend. |
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fantasy
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I have six. Just don't get carried away like me and you are fine. |
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John H
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Too many. |
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Mrs.Joe Jonas
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I carry six I pay them all off every month |
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