 Has anyone claimed for their bank charges back? |
| obviously someone has, just wondered how long they took to do it, Abbey are stalling with me and causing me all kinds of problems in life *sigh*... |
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 How to pay my hsbc visa card bills while am in overseas? |
| I have a HSBC credit card from singapore and am currently stationed in Thailand for few months. How can I pay my HSBC credit card payment from here.... |
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 Can you ask credit Card Card companys to defer a payment for one month? |
Can you ask credit Card Card companys to defer a payment for one month? Or a Car payment?
My husband lost his job awhile back, he is having trouble finding a job and we have had several ... |
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 Credit Repair.? |
| What is the real skinny on Credit Repair. Seems it costs quite alot. Is it honest and worth it. Can someone shed some light on this for me. Can't I do it myself and save the dollars and where do ... |
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 Why do credit reporting agencies make it so difficult to clear your credit? |
| judgement placed against credit, judgement was paid I have the paperwork but trying to find out about sending it to transunion, experian etc is a royal pain.... |
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 Credit card question people? |
| so if im 17 and get a credit card will they take out money every month?... |
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 Credit Score is 619, Cant get approved for a car loan? |
I know my score isnt that great, but I dont think its that bad. I have tried to get approved several times, and keep getting denied.
I pay all my bills on time, I have no defaults on my credit ... |
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 I deposited a check today that and now feel as if it may be a phony.what can i expect? ? |
| i recieved a check for a car i have for sale online and have now read up on this and believe i may be a victim after i have deposited it. I should have payed closer attention and investigated it ... |
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 How to remove old negative account from my credit? |
| me and my husband are trying to buy a house but his credit is showing allot of old negative things like his bankruptcy that was discharged 4 years ago and old medical bills. what can we do to clear ... |
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 Can anybody tell me how can i find out what is affecting my credit record? |
I have recieve just denials from the creditors I apply. They say that I have a Collection, to which I honestly ignore what could it be, since I make all my payments on time.
Can i avoid paying ... |
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 Loaning money and want it repaid back? |
Hi all,
I have a dilema with an ex. Last year I lent her money for her to pay a cell phone bill (twice I might add), since then she claims that it was something I wanted to give to her, ... |
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 Will having multiple credit cards increase my credit score faster? |
| I'm currently 18, so Im new to credit and would like to build credit. I have a decent part time job and am currently a student and will be a student in college in the fall. I have applied for ... |
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rocio | How would having too many credit cards even if I don't have balance due on them can affect my credit? |
I have 4 credit cards and I recently got a new one, currently i only have two of them with balance. Even though i have no balance on the other ones. can these affect my credit? should i cancel a couple of them? |
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mikala m
 |
I think your credit score is based on how much of your available credit you are using, so empty cards wouldnt affect it. closing them would affect it because instead of say 30k available credit, you'd have 15k. ....therefore you would be using more of your available credit. |
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stephenweinstein
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1. Yes, they can affect your credit. The total of your credit limits (not just your credit in use) affects your credit score.
2. It is almost never a good idea to cancel your oldest card. The age of your oldest card (this is officially called "length of credit history" or something like that) helps your score.
3. Closing your newer cards may help if the total of your credit limits is too high. However, it will hurt if it makes the total of your debts too high a percentage of the total of your credit limits. |
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Frank K
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Yes if your not going to use them again close then because this counts against you as possible debt.
It lowers your credit score. |
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jwishz
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Credit rating agencies look not only at how much you actually owe they also look at how much you can borrow based upon available credit. When they look at your situation they see that you could, whether you do or not, take on quite a bit more debt. I strongly suggest cancelling several of them. But, keep what you need in case of emergency. Cancel the one(s) with the highest interest rates. Happy Holidays |
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Ali that girl
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I've heard this is true. I'm not sure why. |
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thediscostrangler
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Because a creditor might think you have TOO many and use them whether they have a balance or not............not good....Just have one to use sensibly and one for emergencies.....trust me.... |
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Amandalicious
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Well creditors do look at the amounts that you have out on them all together. Dont cancel them let them sit for a while because if you cancel them it drops your credit score. |
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Denise M
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Yes, it will adversely affect your credit because if you have too much open credit, the reporters will see that you COULD get yourself into trouble. Lenders are less apt to loan you money if you already have access to lines of credit.
closing them doesn't always help, but it's worth it to keep yourself from the temptation.
I've been declined credit for having both "Too Many Open Lines of Credit" and "Having Closed Too Many Cards Recently" |
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sandra02861
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YES,,, the more credit that you have the lower that your credit score goes,,, i asked the a credit company why and they said that it is because even if you have no balance,, they look at it like you have a lot of AVAILABLE credit.....so in theory you could go out the next day and max them ALL out...it is a risk |
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