 Can I be sued in civil court by a 3rd party collection agency over an unsecured credit card debt? |
| I just received a summons to Akron, Ohio municipal court by the collection agency. Is there a way I can get out of paying back this debt?... |
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 Debt collection letter to pay an old credit card from 1999, should I pay it? |
| I received a letter from a collection agency to pay an old credit card debt from 1999. I recently got my credit report this year and this debt did not show up on it, should I pay it? Will this affect ... |
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 I know someone that committed fraud in order to get a mortgage.he is going into foreclosure. what can he do? |
| He is considering filing chapter 7 bankruptcy on both of his homes, but I think they will find out he committed fraud in order to get the loan. What can be done if anything to help him?... |
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 I am about to buy a new car. Should I pay off our credit cards or use the money for a larger down payment? |
I am wondering if paying off my credit cards will help lower the interest rate that will be offered to me or will a larger downpayment be more beneficial. **Please NO solicitations**
A... |
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 Is it neccessary for an adult to have a credit card? Isn't a debit card already enough? |
| Someone asked how to keep financial stability and many people agreed that she should get away from credit cards.... |
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 Can you brake down $35,000 a year by hour (dollar amount)? |
| $35000 a year (salary) = Hourly wage (40 hours a week) How do you figure that out 35000 divided by 34 weeks in a year or something like that...I forgot how to figure this ... |
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 I need cash asap! Please help!!!!!? |
| I had my wallet stolen and the next thing i know my credit cards are all maxed and the cops wont do crap and neither will the credit card companies...as of right now i am about 1,200 in debt, i have ... |
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 Credit card debt? |
| i have a credit card with lloyds tsb and i have spent £2.300 what is my intrest rate if i have to pay £47 back a month,i need some advice to help me pay it off fast,like to switch it or ask them to ... |
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 How do I know whats wrong with my credit? |
| I am 19 years old and I haev tried to get some credit facilities since I was 18. I decided to get a copy of my credit file because I have been refused credit. But the funny thing is, I got 3 credit ... |
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 Credit Card question.? |
have a Sony Financial Services Card, (just like a MasterCard...)and I was wondering if I didn't buy anything on it for a couple of months, or years, would they charge me?
And, If you ... |
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 Has ANYONE ever opened a bank account over the PHONE? |
| I've been wanting to try but I'm afraid that they'd reject me. Has anyone ever been turned down for a bank account and if so, why?... |
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 Could I get a loan on a house for 11,000 down? |
| Ok if I had good credit the answer would be simple. Though I dont know my credit score exactly affraid to look lol, I know it cant be great I owe like 12,000 in doctor bills, 2,500 in past due rent, ... |
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 Is it better to pay off a credit card in full each month or pay the minimum balance? |
| is it better to pay off a credit card in full each month or pay the minimum balance which 1 will help my credit the ... |
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 I have terrible credit and can't even get a basic bank account but need one for when i get ajob?? |
Any suggestions is there a bank acocunt for people with adverse credit that doesnt cost anything or isn't too expensive?
Additional Details
I don't owe any money to the banks ... |
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josemarigimenez | How old should you really be when you use a credit card? |
I'm just 11 years old and I wnat to buy stuff in the internet. |
 |
 
lelekid4ever
|
You are too young. The law states that lenders can only enter in a bidding contract with a capable adult of 18-years or older, 21 in certain states.
However, the responsibility of having credit does not have a certain chronological number. There's thousands of 18-19-20-year olds with $50,000 debts.
At the same time there are 18-19-20-year olds that are responsible and know how to handle credit., they fully understand their obligations. |
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Michael L
 |
When you are old enough to understand how a credit card works, from payments, to your credit history, to compound interest. |
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C-bear
 |
I think you can have one that is linked to your parents account when you are 16, but I think that is the youngest you should ever be to get one. You have to be able to pay it off yourself or be trusted to only buy things your parents want you to get for them/buy specific things without them.
Ask your parents if you can use theirs, but I know what a pain it is to want something off the net and be unable to get it due to that.
good luck! |
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nealee
 |
GET YOUR PARENTS TO GET YOU A PREPAID CARD! It called a Buxx Card and Visa has them. You parents put on a specific amount and then you can spend it! Thats how they can give you your allowance if they approve. Thats is good for young people and then you can learn about banking and spending and maintaining an account. Ask them about it. |
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*****
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Mature enough to know that what you order today, bills will be arriving at the beginning of next month, and you have to have the means to pay these bills.You have to know the value of money, and don't just buy things for the sake of buying them. When you know and accept what I said, then you are ready for credit. |
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hirebookkeeper
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They wont give you one at 11. Ask your parents if you can use their card or have them give you a VISA check/gift card, they should work the same way. Also, you should use a credit card when you have an income to pay it off monthly. |
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skypilot5973
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You're not old enough and if you lie and say you're older, you will be charged with a criminal offence (fraud) and you could go to jail. Believe it! DON'T DO IT! |
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darkerside2000
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u need to be 18 (or of legal age depending on ur country) since the use of credit card involves a contract. legally, u cannot enter into any agreement such as the use of credit cards. |
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Jennifer S
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Well that's why they make you 18 or older to have a credit card. You better make sure it's ok with your parents if you are using their's! |
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edgar
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Well really around 21 or 22. I got in trouble with easy credit i got one when i was 18 then i got 5 and before i knew it i got $22,000 in debt took me for ever to pay it off. But if you do need one i say 16 and only for emergencys or if you need it to pay a ticket or bill or maybe get something online. But it should be limited to like $300 or less. |
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barefootgal
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If you are using your parent's card with permission, I don't see a problem. But that is up to your parents to allow that since they are the ones who pay the bill. |
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kevin p
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to young at least 16 |
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vaneeza_vini
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i think............18 is a perfect age 4 using a credit card in case if your parents allow u!!!!!!!! |
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