 When I try to add my credit card to my paypal account it keeps saying it is already in use by another account? |
| At first I was just using my paypal account to buy things on ebay; I was not selling anything. Then I wanted to sell something, but ebay said my email address could not be confirmed, so I had to ... |
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 Desperate for cash please help!!? |
| I've just found out that my newly aquired husband comes along with alot of debt..I need some ideas of how to make some extra cash..I've done the ebay,online surveys and I've already ... |
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 What Happens if I stop paying on my car loan? |
| Back in March, I purchased a car from JD Byrider with 22 % APR...( I know, I know). A week ago, I was in an accident, (a hit and run), so I didnt get any license plate numbers. As a result of the ... |
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 How old do you have to be to apply for a credit card? |
| How old do you have to be to apply for a credit card? (Discover, American Express, Visa...)... |
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 Can I use more my debit card and spend more that what is in my account? |
For example, what is I have 5 pounds in my account, but I want to spen 10. Will my card work?
I know there is the risk of overdraft, but I need to spend the money today and I will put it in ... |
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 Do you think there should be harsher laws with people with delinquent debt? |
| Ok here is the thing, i see people owing thousands of dollars in debt and get away with not being forced into paying it. For cc companies/collection companies dont sue because its too much hassle ... |
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 What's a good way to build credit, when you have no credit? |
I tried two department store and I wasn't approved because of innsufficent credit.
So what is a good way of getting credit?
I was wanting to get one item at a time and pay it off ... |
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 Took phones as I knew I am leaving for good.? |
| I am leaving London for good.But I live in one of the EU countries.I have 5 contracts. All with different companies.one from "carphonewearhouse",another from "phones for you"...... |
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 Is it better to make the min. pymt. on c.c. ? |
| I'm trying to build my credit and I was wondering if I should just pay the min. payment due, or if I should make a bigger payment to kind of show "good faith" , so to speak.... |
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 Can i get an auto loan? |
Im 17 with no credit, just got a job at McDonalds; havent had a Real job before that except for mowing yards, yard work etc,
I need $8000 for a car i want; and my parents could co-sign, ... |
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 Where can i get a car loan with low interest? |
I have ok credit and have been approved but the interest is 15%. That seems really high. Is that average? Wheres the best place to get a loan? I live In Indiana if that makes a difference.
A... |
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 Sick of no response on Answers from Askers? |
I joined Answers to try to help people with their issues giving my expert opinion as I am a credit professional by trade.
I have experience in many other areas as well. These ignorant ... |
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| Suicide??? My friend is hurt and can't work. Bankruptcy is in the air. Can the? |
| Can her bill collectors garnish her husband's wages? They will have no food money then or clothes and stuff. He didn't do this and he can't handle paying all of it back no matter how ... |
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 What happens now? In court? |
| Some company just called me regarding my Credit Card that I havent made payments to in forever. I think at this point, it was a legal firm, not a collection agency. They said they were going to ... |
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ev1go | How to use a credit card? |
Say I have $500 that needs to be paid on a credit card. Once the bill comes in the mail does it help my credit score to pay off the whole balance rather than just paying off the minimum payment on time? |
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charmed4ever28
 |
If you have no Credit, it is better off paying it in payments rather then pay it off all at once. You will build your credit faster by doing payments. I hope this helps |
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bakfanlin
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Pay off the whole balance will be best for your credit score. Just paying the minimum required payment will just cost you a lot more in finance charges. Then when -or if- you fall behind on payments, thats bad for your credit rating. |
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Stareyes
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It helps your credit score to pay off the entire balance on time. |
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Settelbanat
 |
Paying off the balance always helps. The only time it would hurt your credit is if you're late, even by one day. |
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Michelle D
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Hi,
You want to create a payment history. You don't necessarily want to pay off the whole balance at once since creditors are looking at HOW you handle credit.
You want to pay more than the monthly minimum, otherwise you will be paying on that balance for the rest of your life. You want to carry approximately a balance of 20-30% of your credit limit on your account at any given time. On a credit card with a $500 limit, you want your monthly balance to be around $100-150.
Make certain that you can afford the purchases that you are making on you account. Just don't abuse CREDIT, USE it wisely. If you can afford the item you purchase, then you are being financial responsible and can pay off balances on those ocassions when it's necessary to use you CREDIT when you NEED to stretch you budget.
See my profile. |
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ellymae3895
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It's always better to pay it off if you can, but as long as you are paying on time, it shouldn't negatively effect your credit. |
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lt_gunz
 |
Yes, paying your balance in full as often as possible will give you an excellent credit rating. If you are unable to do so, make sure that you pay AT LEAST the minumum payment, if not more each month. |
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Nvr2soon
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it sure helps your wallet and is the only way to use Credit Cards.
Some say however, the CC companies like those that leave a unpaid balance each month as that is how they make the big bucks.
At any rate it surely is not hurting your credit score. |
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heybulldog
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You dont use a credit card. A credit card uses you.
cut it up and cancel the cards. Dont obsess over your credit score.
banks spend millions each yr brainwashing people into thinking you need credit to get ahead in todays world. Thats a load of crap. Today is no different than yesterday. Save your money and pay cash. Dont buy things you cant afford.
You spend more using a credit card than you do with cash. Mc donalds did a study when they started taking credit cards. Before people spend and average of $4.75 after they started taking credit cards the average went to $7.00.
"would you like a hot apple pie with that?"
No Thanks!
No credit is not the same as bad credit.
You can get a home loan with no credit. Its called manual underwritting. The way people used to get home loans before this stupid fico score. |
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beebee
 |
Yes pay it all off you have so many interest free days and if you pay it off before your date you won't pay any interest and you can keep your money in your bank account earning interest until your date,also you wont get it out of hand and get into debt trouble. |
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Rick B
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Not really, but it certainly helps your financial situation. ALWAYS pay off your cards every month. Why would you want to pay a credit card comapny interest just to up your credit score a few points?!?!?! |
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Tammi D
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who cares whether it helps your credit score, why would you even consider paying the issuing bank the outrageous interest rate that credit cards charge?.
Now if you have a promotional no interest offer, then it makes sense to take advantage of it. |
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Neochi
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In the case of credit cards, your credit score is calculated by taking a ratio of the credit owed to credit available.
For example, if you have 5,000 dollars in credit. And you owe 4,000, your credit score would fall, because you only have 1000 in available credit.
However, if you have 5,000 in credit, and owe only 200 dollars, your credit score will increase because you have a 4800 in available credit.
Keep in mind that your overall credit score is affected by other factors. Also, if you have lets say four credit cards, each with a 5,000 credit. It means you have a total of 20,000 in credit available. Just keep in mind that everytime someone checks your credit (if you open credit accounts), it causes your credit score to lower somewhat. |
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brittany r
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how to use a credit card
1. hold the card at your waist in one hand
2. hold a sharp pair of scissors in the other hand
3. go on, use the scissors on the card( cut it in half fool!)
4. throw in garbage |
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imTHATgurl
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pay it off as quickly as possible. that will put your credit up FAST! ....anyone can usually pay the minimum on time, they want to see that you can repay what you borrow. |
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