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 Do you use you Credit Card for Luxuries or Survival?

Additional Details
Funky, i hate your guts too you Slag !!...


 I have a credit score 0f 600, and need school loans. Who knows what companies will help?
need to know who will give a loan to people with not very good credit....


 What will raise my credit score faster, repaying old debts or getting a credit card and paying it on time?
my fabulous credit score is a "whopping 544" and i am trying to repair my credit quickly. any suggestions?...


 My current experian credit score is 637. If i finance a car loan will it bring my score up?
I just got approved for two department store cards and got rejected for one or two majors. I know the fact that the lenders are checking my credit affects the score but with the car loan will it ...


 I've had bad credit, is there a card I can get to start over that is not a prepaid card?
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 If i paid double the min. payment on my credit card last month...do i still have to make the minimum now?
or can i skip this month??...


 Can I press charges against someone who wrote me a bad check?
This guy asked me to cash 2 checks for him and I did and 2 weeks later I recieved a letter from my bank saying the checks bounced and I had to pay the fee now I dont know how to get my money back......


 Should I cancel my credit card?
I know older accounts look better on the credit report, and my oldest credit card account is a card with an annual fee. Now that my credit is better, I've gotten cards that have no annual fee, ...


 I just got a credit card and i want to ask to increase the credit limit,do u thing i will get it?
...


 What is Full from Of The "ATM"?
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 Debt problem?
I have got about 1o k in debt/ credit card, store card overdrafts/ Anyone have idea how to resolve my ...


 What would happen if you didn't pay credit card companies?
Are there legal ramifications? What if you can't afford to pay anymore?...


 What does it mean to have a debit, credit card
what does it mean to run an amount as ...


 Question of debt collection practices.....help!?
I have a question regarding a collection company that has been calling me. I have told them a couple times not to call me at work or on my wifes cell phone number and they continue to do so. Is there ...


 So I need someone to be a co signor or co applicant on a home loan?
I was wondering if I had my sister who has a good paying job and a small car loan on her credit be a good applicant. I know that they look for credit history and all she has is the car loan but would ...


 How many credit cards should a person have?
...


 Can you buy a car with no money down with a credit score of 491.?
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 How do i deal with threats fro debt collection agencies?
...


 How do I start my credit?
I am 18 years old, and have a checking and savings account. But my question is how do I start my credit? Do I apply for a credit card? Please advice me in what to do. Thanks!...


 How r u spending ur pay check today?
I am getting my nails done and this is not something I usually spend $ on, but I am going to do something 4 me this pay check! How about u?
Additional Details
I am a singlemother of 2 I ...



Atti
I am unable to pay my credit card bill? I ve been jobless since last 5 months?Help?
With an outstanding of 25K the customer service agent told me to pay some money per month. Over last 5 months I ve paid alreday 10K and instead of being (35-10K=25K) my Balance is coming upto 55K!! Help...Advise..
                     
 




BlueCrush
Rating
Hmmm, i only can only advise that you better be prepared as you will be filed for bankruptcy very, very, very soon...


teeniey37
Rating
What I want to know is: if you have been jobless for 5 months, how have you paid off 10K in that time frame?


Waine
I am not sure how you managed to do that
but here are some links which seem to help people in debt:
http://credit-cards.ebookorama.com
and here http://finance.ebookorama.com
also plenty more to read here
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
good luck!


VIKRAM
Rating
Very simple follow this
get another credit card
pay with the new card the bill of old card ok
then when u have to pay 2 new card
get another credit card
then when u have 2 pay 2 another credit card
get a 3rd credit card.
simple yaar


kitty fresh & hissin' crew
Rating
GET A JOB.


hard
get ajob in a bar


cynt
Rating
cut up your cards


knowssignlanguage
Rating
pay as much as you can or if you have to get the consladating companies to help you but becareful with those bc they can rip you off leas thats what my mom said ne way. but i would just pay as much as you can and hurry up and get a job fast.
Good luck


Breeze
Go to citzens advice and see if you can negotiate a lower rate, plus cut your cards up so you don't use them. Bankrupcy may be a desperate choice, but could have major implications if you ever want to buy a house or need loans in the future.


chiko_wong91
try and aggressive in finding a job


whatwhatwhat
wow you need to shop around for better rates.


Lyn I
Rating
Write to them and explain your situation ask them too stop the interest, if they don't go to citizens advice, it costs nothing and they should be able to stop it. They have solicitors that give their time freely. I am assuming that you are in the UK. If not do you have anything similar to citizens advice where you live?. Lots of luck.


Sunny
Spend only whst you have.


jessy
Rating
cancel off all your cards.try ask help from others. you must find a job as soon as possible and try spend less...


kay kay
Rating
I think that you should just find a job. No one in there right mind would stay unemployed for months. Even if you had to get a fast food job that is better than nothing.


Chuck C
Nearly in the same boat myself except double what you owe to card companies. They kind of sneak up on you. Card companies have raised minimun payment over the last few months and now there isn't enough money to go around. Call each company and explain situation. Most of the time they will put you on temporary program about 3 months and you must pay low amount and they will lower interest for this time. This will save your credit rating. You may have waited too long for advice? It doesn't hurt to call, most companies will work with you if you are up front with your situation. Good luck to you and all the rest of us that spend more than we have.


satheesh
if that was --------- bank's card hide immedeately ata safe place before the gundas came for recovery.


x_squared
This is too much. In the US it is yearly expenditure of an average minus family. I didnt make this much last year. You should be careful while spending, of course next time, if you get over this.

Please publish your bank account number so that everybody could donate $10.00 It might help.


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