 Credit Cards.? |
| How am I supposed to establish credit if every credit card I apply for denies me???... |
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 I have been told i have a credit score of 3 what does this mean? |
Additional Details
sorry i meant 300 i already have finance and mortgage and earn good money but i am trying to get another mortgage to rent out and the advisor said my score was 300 so ... |
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 Paypal question? |
| I have received payment for an item through paypal.The status for the payment says "unclaimed" and I am asked in the action section whether I want to "accept" or "refuse"... |
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 Will it be difficult to get a auto or home loan if I filed bankruptcy 9 years ago? |
| I had to file bankruptcy 9 years ago because of medical bills. It will be off of my credit in a year. Is a loan possible Or should I wait until it is removed from my credit report?... |
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 Can you live without Credit Cards? |
| My mother was planning a cruise with an old friend and had to pay in advance. She was going to pay with check but was told they required a credit card. She didn't own a credit card so went to ... |
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 What should i do to avoid foreclosure? |
| my wife lost her job and we barely making the payments on all my bills especially my mortgage its only five years old no equity ... |
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 What's a credit score that will allow you to buy a home? How long does it take to get to that # if u started 0 |
| I just started using a credit card and I understand 20-50% of your credit line should be the maximum amount of money you should actually use. I was hoping to purchase a home as soon as possible ... |
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| Fraud question? |
If someone is running a busniess and claiming benefits, what kind of fraud is that?
This is for homework for my daughter and I haven't got a clue.
T... |
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 If your car has been repossessed because u couldn't pay-are they allowed to go after u for the amount owed? |
| Ok-my boyfriend co-signed a car loan for a friend and this friend defaulted on making payments. He volutarily surrendered the car and they auctioned it off. Now, a collection company is calling my ... |
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 Can a collections agency sue you if they don't have an address to send the papers to? |
| My daughter hasn't payed a credit card in over a year and it has been sent to collections. I get the phone calls but they do not have an address for her. She owes about $1,000. Can they sue ... |
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 When getting a mortgage, does a rental eviction or bankruptcy matter if you have good credit? |
| Say you get evicted. You file bankruptcy. 2 yrs later you have started over, have a squeaky clean credit report, and have gotten your credit score to 700. (I don't know if thats possible, just ... |
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 I just got a credit card about 3 weeks ago when should my bill come in the mail? |
| aprox. how much will i need to pay i know the whole thing , but what usually is the low ... |
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bjuody | How to get rid of a store credit card.? |
I recently applied for a job at Macy's, but something came up and I didn't accept the job. I opened the mail today and saw a Macy's credit card! I don't know what to do, and I know if I called Macy's Credit Services they are just going to convince me to keep it and be really annoying. I do want to cancel it, but I don't want my CREDIT HISTORY to be messed up. I could just keep it and buy something once a month. Arg! What should I do? |
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FRANK
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It actually helps your credit scores if you keep the card, and use it on occasion. Pay the card off in full whenever you get a bill. Prompt pay and low balance on credit card accounts look very good on the report. So, this is actually a blessing in disguise.
I am a mortgage broker, People frequently ask they should cancel credit cards they use only a Little. Then when I sow them the credit report, they see how having the card, even though used very little, looks very good on the credit report.
One other reason to keep the card: it is not unusual for a store to have a sale, and to give additional discount if you use the store credit card. |
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100% Organic Snark™
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Cut it up and either throw it out or send it back to them. Just don't use it. The account will eventually go dormant. |
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src50
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Just close it if you don't want it. |
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Pup Luvr
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you could write a letter cancelling your credit card (then you'll have the record for the credit agencies if they don't cancel)...or just 'buck up' and call and cancel...it's quicker, easier, and relatively painless - just be firm in your resolve to cancel the card.
Good Luck! |
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kate
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Either cut it up or lock it in your safe deposit box or
Cancel it , if you think someone else might take it & use it .
> |
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Anthony J
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Whatever you do just don't call and have it canceled it will effective you negatively on your credit report. |
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Ann
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just call and cancel i also had a macy card they didnt give me any hassel to cancel it they just said sorry that it didnt work out. your credit report will just say canceled at cardholders request. something like that |
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mister ed
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leave it open and do not use it --- it will expire and die a natural death!!! |
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MotherFirefly
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Store credit cards have terrible interest rates and rarely do anything good for your credit. Just don't use it. Cut it up. Cancel it. Cancelling won't mess up your credit score. |
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2blessedby3
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If you don't call and activate it it will close on its own due to inactivity. I would personally keep it just to have an open trade line. You could also do just what you said keep it buy bottle water and pay it off, its a good card to have. |
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