 Does it wreck you credit score to switch from one 0APR credit card to another when 0% runs out? |
| i.e. have your balance transferred from one 0% APR to another 0% APR card and then closing the first card out.... |
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| Many people buy expensive car simply for them to show-off,but they don't really have the need for a car. Sometimes,immitate other people by obtained a big loan to go on expensive holiday and ... |
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 Which credit card should I get? |
| I never had a credit card.I do alot of online shoping and pay tv,phone,and Intrenet bills with my debit card.I do fly alot or drive.Is there a card for my uses?I want a card to start gaining credit ... |
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 How to I get a Credit card |
| I have a debit card. I am wondering is 16 years old too young to have a credit card?? And I always hear it is terrible to have a credit card because it rips you off. Also how does it work?... |
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| I need to find a GOOD credit card with LOW interest, I have a PERFECT credit score and I am 19, a college student, my current credit card has like 25%, which is bullshit, PLEASE SERIOUS ONLY. thank ... |
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| I have pulled a credit report and disputed everthing, and its all still on there. Most of the things are to expensive to pay off (would take YEARS). However, some things I could pay off quicker. H... |
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 I'm married and in my 20's with debt well up to $20k. If I file bankruptcy can I ever get a future home loan? |
Additional Details
I have secured and nonsecured debt. I called a counselor but the best they could do was take $600 worth of my bills and have me pay them $600 to cover them. I have ... |
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 I have a lot of credit card debt. 3 major credit cards almost maxed out several small cards like gas? |
| cards, department store cards etc. And I have recently gotten some money. Should I pay down and almost delete the 3 major credit cards or pay off the dept store cards land one of the major credit ... |
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 Can I use any ATM? |
| I have just obtained a Link Visa Debit Card,can I use it in any ATM or does it have to be a Link M... |
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 Can overdrafting your bank account affect your credit? |
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is there little change to the credit? i've overdrafted numerous times. Most of the times i didn't mean to.... |
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 Credit repair??? |
How do you get a credit score to go up by 100 or more points?
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I have a few school loans in deferrment but no credit card bills. my score is in the high 500's and I... |
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 I want to apply for a bank account but they ask for a second form of id...what can i use? ahhhhhhhh.....? |
| I'm 18 just got out high school....in los angeles california ....not a collage student....don't have any bills ....so can't use that.... used my state ID as my first form of ID ......... |
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Jaime | I'm being charged a late fee on my credit card. Is this even a reason to be charged? Any advise? |
I'm being charge a late fee of $40 for nothing!! I owed $27 for the month but after I returned something and got the credit on the card the balance was $1.06. I sent it on time and everything but they say i have to pay $40 because the minimum balance wasnt sent even though only $1.06 was due. Ive never sent a late payment or not paid in full or minimum and they dont want to take it off. Any advise?
Additional Details
the refund, and the payment were paid way before the closing date. |
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CommonCents
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Sounds like a misunderstanding. Don't freak out, stay calm and call and ask for a supervisor, and discuss it with them.
Regardless of the amount owed, even $1.06 can incur a $40 late charge.....
Has the credit for the return already been posted ?? |
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sortaclarksville
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Most credit cards will waive a late fee once per year. Just ask for a waiver. You have probably just talked to a low-level clerk who can only answer what they are reading from a book - in other words, can't actually use their brain. Go up the chain if you need to. |
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Adoptive Father
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My advice is to talk to the credit card's customer service department. Remain calm and explain the situation. Believe it or not, these people can be reasonable. Look at it this way, there are thousands of credit cards out there, they cannot completely ignore customer service. Do not threaten, just ask for help.
For example, a friend of mine never carries a balance. He made a clerical error in paying his monthly bill, he wrote a check for $1,000.19 instead of the full balance of $1,000.91. Their computer system then said that he did not pay his bill in full and imposed interest charges. A five minute phone call fixed the glitch. |
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Ted
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The credit probably didn't get to them by the due date, so all that they had on the late cut off was your $1.06. Next time, pay the whole bill and let them apply the refund to the next month. Having a $26 credit balance, which is refundable is better than a $40 late charge. |
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Ana Pilar R
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I think its unjust, but it is the only way the company can retrieve money on time. The way it work is kind of like a short-time loan.
Check this out, maybe it will be more convincing:
http://articles.directorym.com/Credit_Card_Processing-a613.html |
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Dr. Deth
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you answered your own question. They said the minimum payment wasn't paid. If this is the first time it happened with that credit card, you may be able to call them ask for it be removed |
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mymammoth
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It sounds like they went by your statement ending balance, which is probably before the credit was issued. You can try to dispute it, but credit companies are very shady and will lie to you.
I would threaten to close the card if they don't remove that fee. If you have to pay it, just pay it (so you don't get a bad mark on your credit score) and just close the card. |
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ronnlynn
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If you got credit for something by returning it, that often doesn't get applied to your card right away. Also, if your balance is something greater (I'm not sure I entirely understand your situation), you still have to pay the minimum payment even if there is a credit against the account. Returning goods is not the same thing as paying on your credit card. |
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SCH
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Once your bill generates you owe the amount due...even if you make a return and the balance would be different, once the statement generates that is what you owe.
You can try calling and see if they would refund it this time. Explain you didn't understand once the statement generated you had to pay the min amt due no mater what else was going on. Some companies are willing to work with a good customer. |
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Robert S
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Cancel your card and go some where your business is wanted and next time pay all your balances on time. |
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