 Credit cards for poor credit unsecured? |
My husband and I are looking for a credit card for poor credit. We want to use it to rebuild our credit and were told the best way to do it was to get a credit card...
Thank you for real leads, ... |
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 What is the best credit card option for college students? |
| I'm very concerned about my building my credit and I was interested in applying for a credit card with a great rate and a very low spending limit. (I'm intending on just using it for gas or ... |
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 My bank manager has requested to see me? |
| No doubt he wants to borrow some more money. When I last loaned him money, I told him that it was not 'normal' and he said the bank do it all the time - they lend money to people who can... |
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 Which credit card is the best for transferring over balances ? |
| I was looking to change my credit card so I could be interest free for a year, however I was wondering if there was a limit to how much money you can transfer and any costs?... |
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 How is everyone coping with the credit crunch? |
| I am finding that as a college student that prices of food is really expensive and travelling costs are rising so i do tend to walk more these days as i need the money. I find that shopping for ... |
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 Will it be difficult to buy a home if i have excellent credit and not have a job.? |
| i hate my job and i like to quit. but i also want o buy a home in the next six months . need ideas on how to make this work for me.... |
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 Can someone buy a house without owning a credit card? |
I heard that in order to get a mortgage, you need to have a credit card (not for buying, but for the credit). Is it true?
Additional Details
but that's what i mean, is it possible ... |
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 Old Debt collection? |
| I received a letter from a debt collector about an old debt... from about 1999-2000. I believe it should be dropped from my credit report by now but the letter says they have just purchased the debt ... |
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| Please help has anybody else had trouble from world books the book club i got loads of problems from them? |
| they have not honoured the agreement to me and now are telling me that i have not done and put my account to a debt collection agency saying i owe them money which i do not what can i do this will ... |
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 Should i forge my mom's signature for a credit payment? |
i need to fill out a contract and it requires a signature.
Its a housing contract and i need to pay over 200 dollars, i need to send this out today before a certain time but my mom is in a ... |
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| What should my cousin tell the collection agency? |
| My cousins mom passed away about two years ago, her estate didn't even cover all of the funeral and burial expenses. Now some company DCM Services, specializing in deceased collections wants the ... |
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 My first credit card...need help claculating payments? |
| ok ive asked a majority of people this issue. i owe 600 dollars on my credit card i want to pay 100 dollars a month on it til its paid off. my credit card rate is 19%. some people say if u pay 100 ... |
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 Does having a credit card help your credit rating? |
| Even if it's the Barclaycard 40%apr job or one of these Vanquis cards. If i just put one tank of fuel on it every month and paid it off without accumulating any interest would it repair my ... |
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 Is this true that if you don't make any payments for 2 years ...? |
I once heard something to the effect that if you owe a credit card and have not made any payments for two solid years, they cannot come after you for the debt, is that true?
Thanks for ... |
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 Should I except offer? |
tax credit office has hounded me for three years for a overpayment £3000.00 which I always stated i did not receive
I have had court notices sent 3 times
yesterday they sent me a letter ... |
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 I need a car, but have bad credit? |
| My credit is not great because I just left school, so I have a lot of open loans. I really need to get a car. I have a perfect driving record and a steady job, and I can afford monthly payments. Is ... |
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 What is the best credit card? |
| I have $2400 on a 0APR credit card that is about to change to 9.99% Should I pay it off (My money market is now paying 1.64%) or find a balance transfer card? What I have found is 0APR for 12 months, ... |
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 Which is worse,a bad credit history, or a bancruptcy with perfect credit since? |
| Which produces a better credit score more quickly, a history of bad credit, with everything being paid on time in the last year, or filing bancruptcy to eliminate past bad entries, and then re-... |
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italiandudeinchicago | I have $6,000 in credit card debt, what's the best thing to do? |
I can't get a loan because I don't have any collateral. What' the best thing I can do? Should I get a balance transfer or is there any way I could get my credit card company to lower my interest rate since I'm paying 31%? |
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P L
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If you have $6000 in credit card debt that you can't pay back, and now want a loan for something else, then you are living outside of your means.
Pay for things in cash. |
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Mark
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You must have missed some credit card payments for your interest to be so high. In your situation I would suggest that you make your payments on time for 6 consecutive months, then call up the credit card companies to lower your interest back to the standard purchase rate. You won't be able to lower the interest until then, they will not lower it until you get back into good standings, and they always say to wait 6 months.
If you can get approved for a new credit card that offers 0% for 6 or 12 months, then take that offer and DON'T MISS A PAYMENT, because you will lose that 0%, and start paying a ridiculous rate like 31% again.
What good is credit if it isn't there when you need it?
Keep up on your bills and you'll have good credit to get the cheapest loans around. |
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Blue Indiana
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Yes I agree with some of the others you need to take care of the $6,000 credit card debt before trying to take on a another loan, looks like to me (31%) your doing some stuggling now.
At all cost stay away from debt.
Get rid of your cell phone($70 a month) get a pre pay
Get rid of Cable save $60 - $100 and there you have enough to do what ever it is you need to do. |
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cmt PR
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You really want to get out of that card ASAP. The interest rate is way too high.
Try applying for a loan if you have a job. Look for the best offers in the market. Banks are competing for new customers. And you will definately be better of paying a loan that paying a high interest rate card that will almost keep you from paying the principal or original amount. They are designed for ruining your pocket and lasting 10-15 years.
At the bank, tell them that you want to pay off your card. You will need your latest card statement. And they will make a check for the pay off balance. Banks can offer you even 7-9% interest rate.
Not only you will get a better interest rate, you'll pay it off faster and you will improve or build up your credit score.
Hope to have helped you. Best Wishes!!! |
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thomas
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The best thing to do is to contact a credit counseling agency. They can get you a loan at a lower interest if you want and can talk with your creditors making settlements with them which can help reducing your payments upto 50%. I know a company which provides all type of debt consolidation solutions and that is ezconsolidation.com |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://memurl.com/furetu |
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shhbanvar
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1. Pay off your highest rate cards/debts first. STOP USING CREDIT CARDS and pare them down. Revolving credit is a kiler to your budget.
2. Contact your debtors and see if you can negotiate a lower rate of interest in return for discontinuing use of the card.
3. Some agencies offer debt counseling at no charge. Check with your local social services agencies and other non-profits in the area to see if they can help or provide referrals.
Good luck.
--------------------------------------...
http://www.bestcreditrates.net |
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MJ
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Call your credit card company to see if they will lower the rate. Also, pay on time and pay more than the minimum if you can. Do not miss a payment. And if you do have another card you can transfer to, call the card it's on now and tell them how much lower the other rate is and ask them to match it. |
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La Vie Boheme
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I agree with zerro. Cut back on some other luxuries for awhile and add those extra funds to your credit card payment. Pay on time ALL the time for at least 6 months and then call them ask ask if the rate can be lowered. STOP using the card as well. |
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booya1214
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CUT THE CREDIT CARD.... it will not kill you.... then pay the credit card off....then pay for stuff with cash or debit card...
Debit card takes out of bank account not a loan. |
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Grey B
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Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan.
http://debt-trap.com/category/Debt-Consolidation-Basics.html |
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