 Can somebody tell me a good way to settle my credit card debt without destroying my credit? ? |
| I recently lost my job and i can`t keep paying not even minimum balances. I have around $9.000 in debt and minimum balances add to almost $500 a month + i have the car payment with insurance $600 a ... |
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 How long can a credit card keep sending you bills? |
| I have been receiving a bill from thee same credit card for 14 years, they keep adding interest. i was under the impression that the account was closed in 1992.... |
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 I need a loan. Iam desprate someone please help!!!!? |
| I'm 19 years old and I'm in credit card debt, apartment debt and school debt. I need around $8,000. I was called about a loan acouple of months ago that would give at least $5,000 loan with ... |
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 I have cant get any credit, can buying a phone with no credit check really help me rebuild it? |
| I cannot get a mobile phone, catalogue, store card or anything that involves credit no matter how small, but I can get a mobile phone through a no credit check finance company which promises it ... |
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| I have a credit score of 549. Seeking 100% home loan for 120,000. Already approved for 80k. Any suggestions? |
| The only negatives on me credit report are a 60 day late car loan that I cosigned for and my credit card debt is a little high. But all other payments have been made on time. I need to move and ... |
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 Iv lost my bank card, need some help!? |
| I lost my bank card a couple of days ago and I have to wait for a new one, how do I get money out of my bank in between as I need it urgently. Im at Barclays. Can I bring some ID down and verify some ... |
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 Need some financial advise? |
| Okay, about two years ago I started getting behind on things because I had to take a very low paying job. Well, it has gotten out of hand because I haven't been able to pay on anything for ... |
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 If I think a bill from a merchant is too high and refuse to pay the full amount, does it go to collections? |
| I recently received a bill from my CPA for $450 for doing my taxes. I am a single W2 filer, and this amount is outrageous. I am not willing to pay the full amount. If he insists on being paid this ... |
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 I have 240 bucks in total, I have 3 bills to pay. I know I dont have enough but I need to pay 89 to y visa? |
| 107 to my mastercard and 133 to my cable/telephone.Which would u pay.or how would u split the money so each get equally.... |
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 Can a company debit my credit card before they have despatched the goods? |
| I thought I'd read somewhere that this wasn't allowed and it's happened to me twice this month!... |
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 How many credit cards are too many? |
| Is there a certain number of cards that a person should stick to having? Like for examply I have 5 credit cards right, but my total debt/credit line ratio is only like 30%... is this bad?... |
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 If I close the credit card I've had five years, and open another, how does that look credit wise? |
| I've had the same credit card five years, and have never been late with payments. However, I'm planning to pay that card off and have it cosed in exchange for another with lower interest, ... |
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 Doesn't rent count as credit? |
| I've applied at places like Kohl's, Sears, local grocery store, and online. They all say I have no credit. I even got my credit report from one of them and they said I don't have bad ... |
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 Did my coworker get what he deserved? |
| About a month ago I pissed off one of my coworkers and he called me a c*nt. I am not one to get mad, just even. So I let it go, knowing that his time will come. So...low and behold a creditor just ... |
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 I need to know a debt consolidation company for payday loans? |
| I need to pay these check advance places but I need help. Do anyone know of a debt consoldation company that will do this?... |
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 My credit rating is very very poor, I've been paying everything on time but its not improving? |
| I noticed about 8 months ago that my credit score is very poor(511) so I took the nessary steps and got my 3 open accounts up to date I also cleared 2 defaults lately and took my store card below its ... |
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 Which should I pay off first Motorcycle loan or Credit Card? |
| I just got back $2500 on my taxes, I'm going to use it to pay a good amount off but which one should i put it towards to? I have a bike that I owe $3523.99 at 7.25% or the CC which I owe $6023.33... |
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sam | I have a high monthly VISA bill. Is it a good idea to transfer the whole thing to Discover? |
Discover appears to have a better interest rate, and probably a lower monthly payment. Is there any downside to doing this? With credit card companies, there always seems to be a downside... |
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sandy
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first check to see if there is a fee for transfering a balance some credit cards do charge for that so call discover first and then you'll see if its worth it |
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Toni
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I always make sure I have a credit card with 0% APR when it gets to the point that the APR goes up I always do a balance transfer to a new account with 0%. Its always worked for me.
The downside: you have to pay a fee to do this. |
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sharmel
 |
Perhaps the best idea of all would be to completely re-think your dependency on credit card use. Chances are you are not paying off the balance every month, which means that whatever you purchase on plastic will end up costing you many times more than you'd have paid as a cash purchase.
Years ago, in England, when the first credit card system was introduced, people quickly gave it a name. They called it the "never-never"... because once you start buying stuff with a credit card, you never, never get through paying it off.
My bet is that if you sat down and made an honest evaluation of exactly what percentage of stuff you have purchased on a credit card that you either didn't really need, or you could have paid cash for; and then do a little math to calculate what you have actually paid extra for a particular item, you would get a shock to realise just how much money has been flying out of your pocket for which you have actually got nothing in return. |
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kassy kemp
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Credit card balance transfer is a process by which we can transfer our outstanding balances on a credit card (which are generally at high interest rates) to a low interest rate credit card.
Balance transfer has some good advantages let us look at a few of them.
Balance transfer is one of the best methods to get rid of that credit card debt. When you transfer balances all your outstanding balances are wiped out and transferred to new credit card.
Depending on what deal you get on the balance transfers the new interest rates on transferred balances could be 0% or a low rate for a particular period. The ideal situation should be to get all the balances cleared within this low interest rate period.
The repayment terms will also relax considerably as you transfer your balances.
Credit card companies bundle a lot of exiting features with the balance transfer program, this could be a no annual fee offer and your favorite reward program. Read more from: http://www.credit-card-gallery.com/article/374,Credit_card_balance_transfer_A_really_good_option_for_those_with_huge_credit_card_debt |
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blinkablinka
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VISA has a low rate option that many customers aren't aware of for people who carry large balances. There is a small yearly fee ($25 here in Canada) in order to get the low rate. That fee isn't nearly as high as the interest on a regular VISA. It works the same as other VISAs, just a lower rate to help people pay down their balance. Call the 1 800 number on the statement to talk to a customer rep about your needs. Building a good history with a credit card company is an excellent way to achieve a good credit rating, switching companies does not achieve that at all. |
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fuzzykitty
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As long as it doesn't put your Discovery Card over it's limit, and you cut up the Visa card. |
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Dzo
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Hi,
You can do it easily. But keep in mind, that by end of the day, if you have a closer look on your credit card statments, you will know that almost all credit card companies charge you the same rate though initially they trap consumers with sugar-coated words and tall promises. You can visit http://www.debteraserzone.com and learn about handling credit cards better. |
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reality
 |
Before you do any transfer, call the credit card and ask them to low the interest rate, if they not agree, then defiantly move to Discover, if they offering better interest rate. It's no downside in this, just check with Discover, or it's any upfront fee, some times it could be up to 3%. Check www.creditcard.com and try to transfer to the card wich offering 0% interest.
Good Luck! |
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Answer Girl
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Call Visa and ask them to lower your interest rate, if they won't do some research and transfer the entire balance to a lower interest card and then pay it off as soon as you can. If your only paying the monthly payments you will never get it paid off. Send them all the money you can every month to pay it off, start cutting your expenses where you can.
Like .... don't go to Starbucks for that expensive coffee, lower your cable to just the basic, turn your air conditioning up a few degree's, don;t buy clothes and other junk that you don't need, all these are just examples of ways to save money.
Take all your money you have saved and send it in and pay that card off, then never get a balance on a credit card again. If you use it pay it off when you get the bill. |
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Cali Girl
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Nope, that's good. Transfer to a non- interest bearing card! |
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candy
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you should trnsfr ur balance but just know ur rates and terms with discover ...ask questions if u dont understand anyhting or if ur not sure ..other then that its a good deal to trnsfr ur balance over ..
good luck |
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gonzo
 |
I would transfer only if there is no transfer fee. And try to pay it off ASAP. Buy only the basics for a couple of months to save money and get rid of your debt. |
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joy s
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the best thing to do is to pay off your bill as quickly as possible. |
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D
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Couple things you must consider.
1. If there is Balance Transfering Fee
2. If you have enough credit line, if not Overlimit Fee!
3. If the APR on the Discover is lower |
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Sophie B
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If your discover has a lower rate than your visa, then you definately need to look for a card to replace your visa.
Discover is a good card to have if you pay it off each month, because they give you a percentage back.
( i buy everything with discover, then write them a check at the end of the month)
Discover has a high rate if you pay payments.
If you can't find alow rate locally check on line for banks in Arkansas, Kentucky and Tennesee.
There used to be interest caps on in house cards in those states. |
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Allie wishes
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Transfer to a new card that has a 0% balance for a year. That's what I did and I paid them all off. Don't pay an interest rate if you don't have to. I moved mine to Discover and paid 0%. Then cut up your card or keep one hidden for emergency (that's what I did). I did not pay a fee. Shop around believe me these card companies want your money. |
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