 Should I file for Bankruptcy? |
| I have about $9,000 in cc debts. They were back in 2000. They are still coming after me. I am currently wokring but helping my husband pay the home bills *all under his name* since i have horrible ... |
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 Joint Bank Account Gone Fraudulent, Need Help! =)? |
Hello,
I opened my Chase Checking Account when I was 15 years old (a minor at the time) with my dad as a join account. Well I just graduated from college and found out my dad sent the ... |
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 Why did I not receive my credit as promised when I returned your tea? |
| I know you received my return product because I received the green postal card and you said my money would be refunded. So what gives? You've had more than enough time to take care of this.... |
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 I want debt consolid. loan from credit union for 10k with credit score of 645. Will I be approved? |
| I want to get a debt conso loan from the credit union I just joined. I have a fair credit score of 645-650 depending on which credit report you pull. However, I also have a delinquent cell phone ... |
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 My credit card bill didn't come? |
| My credit card bill didn't arrive in the mail like it should've, what would happen if my credit card bill doesn't come at all?... |
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 Recommended first Credit Card for a college student? |
i'm a college student looking for a credit card. i need a card that allows online banking and paying for bills, which i believe almost all do that now.
i was interested in this one...... |
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 Can Collection Agency refuse payment? |
| I am in AZ and I am trying to pay a collection agency $20.00 per month because that is what I can afford and they are telling me they can not work with me on that amount even though they took the ... |
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 Do paying surveys work? |
| i was looking into doing surverys where they pay you to make some extra money but do they really work or is it just a scam? if they work, can anyone recommend a good site for me? thanks!... |
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 I have some money in the bank that I could use to payoff my mortgage, however I am not sure if that is good.? |
| Is it better that I use $118,000 to payoff my mortgage today? If I do that I would not have debts only will have to save for insurance and taxes. I am not sure to invest in the stock market now ... |
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 Is it legal for a collection agency to do this? |
| I have been having some financial difficulties of the last few years. My brother just called me and said there was a message left on his answering for ME about a "refusal to resolve". P... |
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 I need money for Christmas, please help!!!!? |
| I'm looking for a way to make some quick money for Christmas. I am a working mother of 2 boys, but my oldest (he's 10) is diabetic, so all my extra money goes to his insulin and supplies. C... |
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 Is it good to get a credit card to build credit if you have none? |
| I am trying to build my credit but I am only 20 so I dont really have any. Is it a good idea to use a credit card to build credit?... |
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 What is bankruptcy and if i filed it how would it effect me(read on)? |
| Im on benefits due to illness and my debts are spiralling out of control...debt consolidation companies are not an option as its still too expensive and the last ones i used werent sending payments ... |
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 My ex-husband trashed my credit!? |
| I have two major charge offs on my credit report one is for 6k the other for 3k. Both generated by my ex-husband. The accounts were in my name alone he just used the cards. Both accounts have been ... |
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Jinku | How well have you been successful in controlling your credit cards? |
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SPIFIMAN1
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Very, I have two that I use for everything every month, never exceed 30% of my credit limit and pay them off in full before the due date.
Have not paid a dime in interest in over 2.5 years. Actually made money with the cash rewards. |
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wildSunshine
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I only have a debit card and it is WAY to easy to swipe it so while I am not in any debt and I can pay bills just fine I spend what ever is left over and dont save like I should |
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Alton J. Jones
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My blog, How To Get Good Credit Gab, provides the opportunity to share thoughts, ideas and experiences about obtaining good credit and emphasizes the importance of building and maintaining good credit and the perils of personal financial mismanagement. This may help you resolve your problem. |
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AJ
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I just followed 2 principles:
1. If something is not in the budget with money already allocated for it, no purchase is made. No exceptions. In fact, I have no problem checking the budget on my PDA at the checkout register and unload anything that takes me over the limit.
2. If a credit card does not pay ME a kickback for each transaction (in form of a cash reward), no transaction will be made. Credit card must pay for the priviledge of me using it, if not, why use it at all? |
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ssmesq
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Very good - they stay in my wallet no matter how badly they want to go out. They have limits, and know I am the boss... now for the serious answer. Very. Always. Had my first card at 16. I have never maxed out my cards, or missed payments, or had anybody have to hunt me down. Why? It's easy, truly. Credit card money is YOUR money. You are promising to pay YOUR MONEY. The interest and charges you will pay are YOUR MONEY. It is not extra income, it is DEBT. MONEY YOU OWE. YOUR MONEY THAT YOU OWE. People get in trouble when they think of it as extra income, play money, or someone else's money.
I learned that from my parents, who seldom used credit then paid it right off. It may be too late for some parents to pass that on, but if you are young, have young children or no children yet, you can make the commitment to teach your children that sometimes debt is necessary, but debt is never fun or free. |
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em2muc2003
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very successful..........i don't have any. this is the best kind. |
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tudorjason (matt)
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Not very well. My mother told me that I wouldn't handle my finances when I would move out - and for some reason she was right. Within the first 2 years I was on my own, I put $10,000 on my credit cards. It was even worse when my hours were cut to nearly half last year and I charged half of my bills on credit. I decided to join a credit counseling service, which helped me get my payments in control. Luckily, I was able to receive a good-sized tax refund and will have nearly half of it paid off soon. I also applied for a second job. So eventually, I plan on having it all paid off in about a year and I will be more responsible. |
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millerscrossing
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I love credit cards. Limited liability, rewards, convenience. I almost never carry more than 10 or 15 dollars. Debt has never been an issue since my method of payment does not affect my decision to buy (I only buy what I can afford to pay for at the end of the month). |
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Crazyjester9
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With the exception of the time I was unemployed due to a staph infection, I've always stayed current on my bills. |
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ugalisa
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I had some troubles when I first started out with credit cards, but right now I don't have any credit debt. Woohoo! |
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tap892
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Now a days, you can't do anything unless you have at least one card. Can't rent a car, hotel or travel. Pay the others off, and keep one with about a $2000 credit limit on it only. I have a high net worth and I keep one credit card with a $2000 limit on it. Whenever I travel, I get the limit raised, the rest of the time, I pay cash. |
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