 Going to court over debt? |
| A friend is being sued in Texas for a debt. 2 years ago he was sued over a debt his ex defaulted on. There was a default judgement and I doubt he paid the debt. I think the new suit is an attempt to ... |
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 Should I call the Credit card company to reduce my credit limit? |
| After several years of CC debt I finally made it a point in 07' to pay them off. So I wrote a $12,584.63 check (that hurt) to Visa to clear the remaining balance. The limit on this Visa was $16... |
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 I have credit card debt from 2001 When will it fall off the credit report? |
| My husband and I live in California and back in 2001 we were in a financial crises and didnt pay 5 credit card bills. But I have several collection agencies calling and sending bills. When will it ... |
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 I need help finding a quick personal loan? |
| Can someone help me find a quick personal loan, something other than a payday loan?... |
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 What credit card company offers a low interest rate %? I need to open a major credit card.? |
| I'm 18 years old and I would like to open a major credit card but I'm having a hard time finding one that has a low interest rate. Any suggestions on who to go with or where to look on the ... |
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 If we didnt have CREDIT we would never survive on our salaries so why is everything so expensive that we have? |
to have credit to afford them.
Additional Details
I DONT HAVE A CREDIT CARD OR ANY CREDIT I BUY WHAT I CAN AFFORD WITH CASH AND GO WITHOUT TILL THE END OF THE MONTH IF NEED BE... |
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 Credit card APR? |
| Is 17.9% to 19% APR bad for a Hess Gas card. We are trying to better our credit as much as possiable.. If we buy gas every month and pay it off in full will the APR even matter??... |
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 How do you get ONE free credit report without signing up for a trial of anything? |
| I keep seeing offers for free credit reports. But you always have to signup for a month of service that will continue in perpetuity unless you go to them and tell them to cancel. Is there a way you ... |
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 How can I get a debtor to stop calling? |
| My son recently had emergency surgery and the medical bills are absolutely enormous (in excess of $86000 AFTER insurance pay outs). The hospital has hounded me for several months now, and I have ... |
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 Why does Capital One offer this? |
Capital One sent me an offer for a pre-approved Preferred Plus Platinum MC with a credit line of up to $5000.
But I already have a MC with Capital One and had one for the past two years. <... |
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 I'm looking to get a credit card to help build up my credit. Which card should I get? |
I want one with no annual fee. A rewards program of some sort would be nice, but not a necessity. I already have a Capital One card that I use. What else is a good one?
Additional Details<... |
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 Is your credit score lowered when you cancel a credit card? |
| My daughter is in college and opened a low interest Citibank VISA for college students not realizing that the interest rate went up very high after 6 months. We are making more than minimum payments ... |
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 Has anyone used a payday loan company? |
| Are payday loan companies you find online reputable? If you have used one, had a good or bad experience, please let me know?... |
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 I have a very poor credit rating. How do I change this? |
| I am 37 years old, African-American, gainfully employed in D.C., have lived, worked and studied abroad. I have a Bachelor's in French. I also have 60,000 dollars worth of student loans to pay ... |
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 I am adding my wife as an authorized user on my credit card. Will this affect my great credit score? |
| I have great credit. It is above 720. I always pay everything on time. I have a mortgage and no credit card debt, no school loans, and I am about to pay off my car loan. My wife has bad credit. I... |
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 Debit Card question? |
| 1.when a Current Account card is given through the post by Bank you signed on to, is this card the same thing as a 'Debit Card'?... |
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| Does checking your credit score on FREECREDITREPORT.com lower your credit score? |
| I heard from friends that it does and I just wondered. And also what happens if you miss ONE credit card payment??? Please only intelligent answers, this is important.... |
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| How unusual is it for someone NOT to own a? |
credit card in this day and age? People look at us like we have lobsters crawling out of our ears when we tell them we've never owned a credit card.
Additional Details
**edit** We already have established credit, in fact very good. We've been married for 29 years. |
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Etta P
 |
Outstanding, there should be more consumers in your position. Even FHA has concluded that just because a consumer does not have a credit card, doesn't make them any more or less of a risk than a consumer who does have one. According to pre-foreclosure and post-foreclosure audits it has been determined that the largest majority on defaults have occurred with consumers that had substantial credit utilization at the time they purchased the residence.
Keep up the good work! |
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michelledenay
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I don't have one either!! I am 58 years old and have lived this long without One why would I want to go into debt at my age?? I know what you mean though, I have had the same skeptical stares when I shamefully bowed my head and admitted that I was not a good US citizen! So----------- I moved to Mexico! No body has one here! No problem lol |
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Derail
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You're doing the right thing. Credit card companies profit from the public's misfortune. A late payment, take out cash for an emergency, or go over your limit, and they have the right to keep you in high interest forever. It's a very easy trap to fall in to. I had one once 14 years ago. Got in trouble. And never again. |
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Lisa
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My husband has 1 and I have 2. He uses his strictly for gas and I use mine for the same.
They are good for emergencies but we are responsible and don't carry credit card debt.
Even though your checking/savings is always available with an ATM card at least one credit card is really a good thing to have. |
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martywdx
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I would say it's somewhat rare. I only have one and pay it, in full monthly. |
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Devils’ Advocate
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i know a lot of people w/o cc's. i'm 42 and got my first one last year |
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MyMxboys is an *old bag too*
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I think it is extremely unusual. Most people do have credit cards to use in case of emergency use like the death of a vehicle or something like that or to use during vacations instead of carrying cash. Congratulations on not having one, You have to be one of the smartest people I cyber know!!! lol |
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stelnosall
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I think it's good you don't have one.
Keep it that way as long as possible. |
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runner
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Not having a credit card isn't bad as long as you have other means of establishing your credit, such as car loan, mortgage etc.
Personally I think as long as you have established credit, not having credit cards is awesome! |
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mellowdee4
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Not so weird. My folks never owned a credit card. They paid cash or had money orders made out for the bills and didn't have a checking account until they were much older when it was easier to write a check instead of going to the bank (that was 5 minutes away). Good for you !!! |
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Sabrina
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It is a great way for you to stay out of debt...but having a credit card does help you with your credit history and score. If you are scared of getting a card...look into getting a card where you put money on it then use it (prepaid credit card) |
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