 Credit card will be raising interest rate on balance. Should I close it so I can pay it off at the lower rate |
| I have two credit cards from the same company - one is an older account with a higher interest rate, the other is a newer account with a better interest rate. Both cards have balances that will take ... |
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 Any suggestions on how to get out of debt quickly? |
| I am already working two jobs and serve in the Army reserve. Bad thing is I have bad credit so I cant seem to get a loan that I can afford. Have several offers, but dont want to just get something ... |
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 I need a good debt consolidation company. Any ideas? |
| I have several personal loans out. My monthly payments add up to about 800 a month, i only make a 1000. I'm not behind on payments but i cant keep up much longer. I cant seem to get any local ... |
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 Is anyone in my situation..I havent paid my credit cards in 2 years!? |
| I just couldn't. Now i'm freaking out because I don't know what could happen from here...Someone help!... |
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 Only serious answers please. Those that are cynical will be reported.? |
| I have a high cellular phone bill, and am having trouble paying the bills. What do the consolidation companies for debt do? charge? Where can I find some help? We both have jobs but are suddendly not ... |
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 I just started a position working from home... I need an emergency cash loan or payday loan.? |
| Does anyone know of a LEGITIMATE cash loan or payday loan company that does not require you to work at your employment for at least 3 months? Most sites I go into and fill the application need you to ... |
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 If you had 10k to either pay off your car or use as a down payment on a home? |
| What would be the best thing to do? The car loan is at 6.9% and the payout is 13k....Thanks.... |
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 I'm being sued for a debt that is over 5 years old? |
| I was served with court papers on Saturday, I'm being sued for $7400...from almost 6 years ago. I had a loan for a vehicle, I lost my job and couldn't afford to make the payments, I gave ... |
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 Does anyone have urges to spend money you can't afford.......? |
Then get into a lot of trouble for it?
I mean like all the time and never learn from the mistake?
Additional Details
Are you suffering from bipolar bre?
Just wondering, because ... |
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 What are some things i can do to reestablish my credit? |
| i got a car in April and i make all my payments on time..but i still got turned down for a credit card..i tried to get a loan from a bank and i got turned down for that too..All i want is to prove ... |
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 14 year old makes $50,000+ ONLINE!!? |
| how would you feel if this were ... |
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 Should i payoff my car or paydown my house? |
| i have 4 years left on my carpayments, 3 years left before my 2nd mortgage (interest only) adjusts. should i use my extra $$$ to pay off my car or paydown my mortage principal?... |
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 Not paying cc debt..? |
| my cc cards range from $7-11 thousand.. if i stop paying on all of them will they be able to get the money later on? can they garnish my wages in the future or take me to court? what is the worst can ... |
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 Honestly, how much do you owe credit cards? |
Just wondering how much do people owe in credit cards.
Please be honest...... |
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 Money help, we are so much in debt and don't know how to get out!? |
| I don't know how to get back on track. We aren't making as much money as we were a year ago. Our credit is going down the tubes. Literally! Our credit scores were in the high 600's and ... |
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 I have a bill that might be reported to the credit bureau? |
| I have a bill for $90 that I just got a letter from saying that if I don't pay within seven days it'll be reported to the credit bureau. I already talked to these people like three weeks ... |
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 I have an HSBC debit card...? |
I am looking to buy something online...but the only options for cards are VISA,MASTERCARD,JCB,SWITCH,SOLO and ELECTRON...
My debit card has MAESTRO on it (and CIRRUS at the back) Which one ... |
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Blasian2008 | How should I Start building myCredit history the right way? |
I never had credit im 18 now!!! And i want to buy a preown car in the next 3 yrs. So im asking what should i do to get good crdit fast and what can i do with it. |
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Chris
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If you want to get a great credit score sign up for a "student card" or a beginner card. I'd recommend the MTVU card from Citi bank because it has a lower rate than most starter cards and has a very flexible limit. Be sure to pay off the card on time and your credit will grow.
Anything that has a recurring bill (like a gym membership signed up under contract) will also affect your credit score. As long as you pay them off on time, your FICO score will skyrocket! |
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i cant think of a nickname
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Whatever you do do not get more than one credit card!!! |
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mykidsrsaints
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Get a credit card and make small purchases, paying off the entire amount when it's due. Be careful not to buy more than you can immediately pay off, though, or you could end up in trouble. Credit card debt is the worst. |
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websterjdjr
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open up a cell phone account and pay it on timeget an easy plan say 20 bucks a month for 2 years and pay it right and dont over extend the mins.
open up a jewelry account for a class ring in your name
strech out the payments to 20 bucks a month or whatever you feel comfy with. both of these accounts are whats called credit starter accounts.another good credit starter is a personal checking account.these are monitored for overdrafts and are a must for credit loans because most companys want direct deposit payments on their loans. so by having a bank account this will help immensly. get a car insurance credit account .pay 2 months down on car insurance and the rest in monthly payments ! get utilitys in your name and pay them on time and buy a tv from the power company and make payments like 10 a month and dont miss any of these payments. join a book club or record club and keep the records and pay the club rates.get a high interest credit card and pay the balance every month have your annual fee and transition fee when you get the account and dont let them let you get caught up in making minimum payments. dont enquire at too many department stores. just try to get a walmart card or sears and pay it right. |
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Tommy W
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If you have bad to no credit you may want to get a secured or unsecured credit card to build your credit score. Just make sure you make you payments on time and keep your balances below 50% of your credit line. |
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aQTinMVny
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Go to your bank and make a deposit of $500. Then take out a loan for the same amount. Pay it back in a timely manner. Open up another account and do the same thing.
This could also work with a secured credit card. |
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Ride fox......
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Well I started by buying my first vehicle at a used dealer and worked my credit out like that, just make does payments on time, try to Boyd credit cards....................... |
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jerry p
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The process of getting high Credit Score is by purchasing items with credit card and paying them on time. The ratio that calculates is Purchases/OnTime Payments. 5 purchases and 5 on time payments will give maybe a 680 score. 100 purchases and 100 on time payments will be about 760.
What I did was get a monthly subscription that I KNOW I would use, like a movie rental subscription, downloading games, magazines etc.. All of these range from $2 - $30 a month. So each month I would get a credit card bill of a lot amount which would be very easy for me to pay, compared to buying like a $1,500 computer that you would be able to pay off with your next 3 checks from work where there's a chance you would have to miss a payment due to low funds.
I started when I was 18 and now I'm 21. My credit score is 782. |
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hahahammer
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You should start applying for credit cards but overdoing it will hurt your credit. Apply for a couple/few credit cards and make sure you do not max it out. In face, don't charge over 30% of your credit limit on all of them, this will show that you have self control and will not likely to be a potential BIG debtor. Make sure you use and pay them regularly and this will help building up your positive credit in the next couple years. If you can, also use your own name to apply for utility and make sure you pay the bill every month. |
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Hex92
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If you're in school (college) its very easy to get a credit card. They always are on campus handing out applications. Get ONE card use it occasionally and then pay it off completely EVERY month. If you do that for the next couple of years you will be well on your way to a good credit rating.
NEVER make a late payment. Now that you can pay everything online there is no excuse for this. I started with one credit card when I was 18 that had a $500 balance. I still have a card with that company with a credit limit of $15,000. My overall credit score is over 760.
Remember anything you do WILL be held against you for SEVEN years. Bad credit makes your interest payments higher making big ticket items that much more expensive. |
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oopenerms
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Your best bet to get great credit fast is to go to your local rent a center or rent club, and rent something, a computer, a bed, whatever you need and pay monthly on it, they report to credit agencies weekly instead of monthly and it makes your credit look great. Credit cards will just get you into trouble, and this way you can get used to making payments, if something comes up and you cant make your payment then the rent club will just come back and get the stuff, but will always put that you paid as agreed because they make you pay in advance, so your never really late on your payment. |
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Zuker
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Buy something small on credit, like a bed or couch or something,even if you have to have a co-signer. Pay it off , and never be late. Also, always pay your rent and utility bills on time. good luck. You can also get a secured credit card. Always pay the bill on time, and never go over your limit. That ought to be a pretty good start. |
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jwmosss
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GO TO EXXON /GET GAS CARD( 100.-200.)/MAX OUT/MAKE PAYMENTS 4MO PAYOFF/=I1CREDIT/GET 1000. @ VISA (EXAMPLE)DO THE SAME FOR 6 MO........
GO GET YOUR LEXUS........... |
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