 JPMorgan Chase credit card just RIPPED ME OFF!!!? |
| I can't believe these *uckers. I mailed in my payment THIRTEEN DAYS before the due date and then they tell me it was a day late and now my interest has shot up and i need to pay 300$ for NOTHING... |
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 Making a mortgage payment.. Question>>>>? |
| I am thinking of makig 1/2 my mortgage payment every other week instead of one payment each month... This will essentially give me easier cash flow, but will it really matter to the mortgage company (... |
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 Bills / credit card !!? |
i've gotta $600.00 credit card that i've maxed out and i NEED to pay if off... what can i do .. when i work the money i make goes to my car payment and gas & cell phone ...
<... |
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 Get a Car loan with Bad credit!!!!? |
My wife and I are needing to get a new car ( used car )
Either one of our credit is good moreless sucks.
Both our credit scores are under 570
someone stole my ID and got alitte ... |
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 How can i find out why i was refused credit? |
| i've got a credit report from experian but that still dosen't answer my question, as all that says is that i make all payments on time, is the another company that can be a bit more acurate?... |
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 Any good loan advice out there? |
I've got a fixed loan from Natwest that I took out earlier this year to consolidate various bits and bobs. It was for £15,000 but with interest over 5 years I'm going to pay £22,000.
... |
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 Can a 14 year old get a credit card?? |
| if so, can you tell me how?? and is it legal?... |
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 Do You think this is a scam? |
| I'm about 2,000. in debt. Some are credit cards and some are hospital bills. I know this debt isn't large but I want to clean in up. I am stressed over the letters and calls from the ... |
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 I got accepted for a loan and paid £50 fee up front? |
| when the paper work came through the agreemant was nothing like i had discussed with the agent ,therefore i spoke to them again and was really not pleased with what they were offering.Therefore i ... |
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 Can anyone answer my question about credit cards? |
| I am just starting out with using a credit card. If I make the minimum monthly payments, could a credit card company ever suddenly take your money out of your account or garnish your wages without ... |
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 Over drawing??? may sound stupid but i dont have a clue about this? |
| I have a £1000 overdraft limit ok,my question is... once my own money in account runs out i can then withdraw upto £1000..ok!But when do i need to pay it back? I earn a weekly wage so i assume it ... |
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 Help!! I applied for a Citi credit card but was denied one with made up reasons? How can i report this? |
| In their reasons they say that I have late payments and that my credit score is low. however, i have a service with experian ("the" credit agency they used) and their credit report didn'... |
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 What rights do co-signers really have? |
| I was stupid 2 years ago when my neice needed a cosigner for her student loans. She promised me and her mother that she would never, ever not pay the loans. Well, now she has changed her mind and ... |
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| Which one is it....? |
| I work at a bank so I should know this but everyone gives different answers. When you get your credit card statement is it better (credit score wise) to pay it off in full or just pay a big chunk. B... |
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 How do I get the creditors to stop calling? |
| My fiance's creditors (NCO Financial, Canada) keep calling my parents house asking for him. I have told them SEVERAL times that this was the wrong number. They have my fiance's number but ... |
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keebo4 | 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 cards? |
 |
 
camilleyun
 |
Always pay off/down higher interest cards first.
You will save yourself a ton of money in the long run |
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Anjell
|
Completely pay of the deparment store cards as they're most likely to have the highest interest rates. And definetly pay donw the regular card.....cut them up and stop using them too.
At least until you get your spending under control |
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Marysue
|
Step one: Figure out why you’re so far in debt and what you’re going to do to prevent this from happening again.
Step two: Pay off the cards with the highest interest rates first and then come up with a payment plan for the remaining balances. |
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Big Ol' Gal Named Hildy
|
Pay off/down the ones that are charging you the most interest; that's the way that you will save the most money - simple mathematics. |
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bdancer222
|
Pay off the highest interest rate cards first. Then stop using any of these cards till you have finished paying off all of them!
Make a strict budget. Eliminate all the extras -- eating out, new clothes, cell phone, etc. Put every penny you can squeeze out of your budget on the highest interest rate card, while paying minimum on the rest. When the highest rate card is paid, move to the next till the are all paid in full.
You may want to try writing down everything you spend money on for a week. You will be amazed at how much money you waste.
Credit cards are not long term finance. They are a convenience. You really need to learn to only charge what you can afford to pay in full each month. You'll build a good payment history, save all that interest, and stay out of debt. |
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Don't cha?
 |
Pay off the ones with the highest interest rate first. With that out of the way, try to get a 0% card to transfer the remainder. BE CAUTIOUS of the fine print though cause some have a clause that if you are late 2 times, you forfeit the 0% and they will charge you prime plus whatever % which in most cases is about 24%. Once the high cards are paid off, cancel them. Even though they carry a zero balance, it is still available credit that affects your credit score. |
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xwolfmanx1
|
Keebo
I own a debt/credit consultation business and we specialize in helping and educating people like yourself. We save people THOUSANDS of dollars on a regular basis
Refer to agdebtconsultation.com for more info. We are always here for free advice
Just fill out the form
Im Aaron |
|
frugaldad08
|
Keep your head up--you can do this yourself! The debt probably wasn't created overnight, and it is going to take some time to work through to pay it off. Here a couple of quick tips for getting out of debt, and staying out:
1. Stop charging
2. Pay debts off smallest to largest, regardless of interest rate
3. Divide credit card minimum payments in half and pay that amount twice a month.
4. Make micro payments (commonly referred to as snowflakes) any time you receive extra money.
5. Don’t waste time with balance transfers, unless you owe more than $10k.
6. Find part-time work.
7. Close out your newest accounts as you pay them off.
8. Get angry! Make debt repayment your top financial priority and focus all your energy on getting out. |
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Jennifer
|
Hi,
I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.I came across this company on NBC News Special Edition.Check it out here:
http://urlhawk.com/29x |
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Laurence S
 |
You can go for a credit counseling. They would suggest you plan to pay off according to your debts and income. They would also negotiate with your creditors to reduce the debts.
Here is the source of a debt consolidation company named http://ezconsolidation.com for your reference. |
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FRANK
|
It is important to pay off some of the the cards in full, rather than to pay down, but not pay off all of them. You should verify the payoff amount, to make sure that it is paid in full. That avoids any additional charges. If possible, pay on-line. That will allow you to do it quicker. |
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