 Can i get a credit card with out my parents consent? |
I'm 16
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and what about debit cards? because they just automatically remove money from your account rather than seperate payments.... |
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 What do I pay off first? Collections $ 197, 225, & 450. Or credit cards $510, 890, & 442? Want to raise credit |
| I want to clean up my credit and pay things off but I don't know what's more important and will help raise the score quickest. The credit cards are active except for the 890. I still get a ... |
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 After going to collections, do I still have to pay? |
| I have just a little over $20,000 in credit card debt. Its about 5 different credit cards and I havent paid them in 4-7 months. Some are in collections already and I have received a letter from an ... |
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 I need some advise on getting a credit card.? |
| This is my first credit card and i want to get a car and possibly in the future rent an apartment but i have no type of credit. i applied for discover and they denied me so does anyone have any ... |
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 How many credit cards should you have? |
| I have 4 cards – one for gas, one for food, one for vacations, and another for emergencies. Ideally speaking, how many credit cards should you have?... |
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 How does an 14-year-old with no credit history get a credit card? |
| I'm 14 and I have tried 2 diffrent places the first was american express and the second was discoverey. They both wouldn't except me because I'm below the age of 15 and 18. Can some ... |
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 How do I get out a car payment/loan I cannot afford? |
| I don't make nearly as much money as I use to and I am struggling with my car payments.... |
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 Should I file for bankruptcy? |
| I'm 27 and want to buy a house but I can't bc I'm about 10,000.00 in debt to about 15 credit agencies for random stuff and medical bills. I really can't pay them off. I just ... |
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 Trying to buy a phone and refused, saying I have a poor credit rating which I know nothing about!? |
| I live in the United Kingdom and was trying to buy a mobile phone online from dialaphone. They sent me an email saying that they refuse to sell the phone package to me because i have a poor credit ... |
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 I have never had credit..? |
How can I build up credit? I've never had a credit card, closest thing to it is my debit card. Help please.
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I thought it would be a good idea to build up credit ... |
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 When you have debt will the credit card companies send you a certified letter? |
| I'd assume when they are suing you, but just wanted to check My friend has a certified letter to pick up and she is scared about doing it. What else could it be?... |
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 Is that okay to sign up a car loan for my bf that I knew for 8 months? |
| Today we just cruising at the dealership and I found out that he has a bad credit, miss the 200 dollars payment up to 30k. and the salesperson force me to sign up for him, I didn't want to do it ... |
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 Where can i get a credit card....? |
| Where can a student with bad credit get an approved non-prepaid credit card?... |
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 Debt Collectors Called me, Im scared |
| I don't know the name, but they said theyre a debt collector company, and wanted me to call their main office. I'm scared, I don't know what to do. My mom doesn't know what it is (... |
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 Does it help your credit score to have more then 1 credit card and if so how many should a person have? |
| I was just curious if I should get a second credit card. right now i have a visa and was thinking of also getting an amex.... |
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 Is having a credit card a good idea to get a good credit rating? |
| If i get a credit card and set up a direct debit to pay it off everymonth will it make my credit rating good? is this neccessary for things like morgarges in the future?... |
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 Closing a credit card....??????? |
Hey guys,
I was wondering if closing my credit card will hurt my score. It was my first card, I've had it for a year. It has a horrible interest rate, a low credit limit (200), annual fee,... |
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 If I have a credit card open with zero balance is there harm to my credit keeping it open? I will never use it |
| I have a victoria secrets credit card. I have paid it in full and have no credit available anymore. I like to keep it open because I receive benefits each month & coupons. Does it harm my credit ... |
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| How can i sell on eBay without a credit or debit card? |
| been a member for long time and i can buy things but when i try to sell they tell me i need a credit or debit card and i dont have one and im not getting one can anyone ... |
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Esmeralda | I have too many credit cards and owe a lot on all of them, Please help.? |
I was thinking on calling a company that I saw on TV that helps you with that problem. They pay off all your credit cards and you pay the a low monthly payment. Is that a good thing to do? Has anybody out there done it? And about how much do they charge. I owe about 6 thousand dollars on three credidit cards all together. Please help Thanksssssssss. |
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SadToday22
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Don't do it. Is what those companies do is call all your credit cards and tell them to settle with you or you're going to file Chaper 11. Most of them will "settle" but then you pay this 3rd party company to pay the settlement amounts, and MANY times this 3rd party company does NOT end up paying your creditors and the 3rd party collects your monthly payment. Then your credit is shot and you're paying a company for nothing and stuck. I'd highly suggest NOT doing it. Do you own your own home? Can you consolidate with a home equity loan or 2nd mortgage? If not, just keep plugging away and get a 2nd job. Good luck and don't get overwhelmed, everyone has credit card debt. |
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Brummy
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Haven't tried any of those companies...
But a good technique is to pay minimum on all of them except for the one with the highest interest rate...Pay as much as you can on that one till it's gone and then start on the one with the next highest interest rate...and so on till debt free..... |
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az_showers
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most of those companies are in place to rip people off. . I wouldn't go that route.
Try this:
1) call the companies you have cards with and request a lower interrest rate
2) start with the one you owe the least to work on first (pay more than the minimum, of course) Then work your way up.
3) after you've payed one off - don't close it. Companies like to see that you have credit and you are able to not use it all. . shows responsibility
4) if you chose to consolidate them, make sure you don't get screwed on the rate!
5) THE MOST IMPORTANT THING TO DO:
DON'T get your balances up too high again! Keep it under control. A lot of people when they start to get their balances down start to put things right back on it again - which is defeating the entire purpose, really ! : )
good luck to you_ as well as the entire US population over 16-years-old who all have credit cards ; ; ; |
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Practical Thoughts
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It is true that credit card charge too much of interest and its better to pay credit card debt with another loan like personal loan etc and pay them in emi... you will save lot of money. |
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Skinny54Minny
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FIRST - CUT YOUR CREDIT CARDS IN HALF!!!!!
SECOND - DON'T GO TO A COMPANY THAT PROMISES TO PAY OFF ALL YOUR CREDIT CARDS. IT'S A LOT OF BUNK!!
THIRD - I'D GO TO A BANK, AND EXPLAIN YOUR SITUATION AND THAT YOU WANT TO CLEAR UP YOUR DEBT. ASK THEM IF YOU CAN HAVE THEM TRANSFER THE DEBT FROM YOUR 3 CREDIT CARDS TO ONE LOAN FROM THE BANK, AND PAY THE HIGHEST MONTHLY PAYMENT YOU CAN PAY. YOU PROBABLY CAN GET A LOAN AROUND 6% OR SO. (THE COMPANIES THAT SAY THEY'LL PAY OFF YOUR DEBT, USUALLY CHARGE UPWARDS OF 20% - 28%,OR HIGHER, AND YOU'LL NEVER GET FINISHED PAYING BECAUSE ALL YOU'LL REALLY BE PAYING IS THEIR INTEREST CHARGES, AND YOUR $6000 WILL JUST STAY THE SAME). BUT THEIR POCKETS WILL GET FATTER AND FATTER - WITH YOUR DOLLARS!!
FOUR: TRY TO KEEP CALM. THERE ARE MANY FOLKS WHO HAVE HIGH DEBT, AND REALIZED THAT THEY MADE A TERRIBLE MISTAKE. THE BEST THING IS: YOU WANT TO PAY YOUR DEBT OFF, AND ONCE YOU'RE ABLE TO DO THAT, PLEASE DON'T TAKE OUT ANOTHER CREDIT CARD (EVEN IF YOU'RE APPROVED FOR ONE).
THE BEST POLICY IS: IF YOU CAN'T PAY FOR THE ITEM, SAVE UP UNTIL YOU CAN BUY IT ~~FOR CASH!!! GOOD LUCK TO YOU, MY FRIEND. |
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sexytrojan
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That's not too bad.
You can consolidate your debts yourself, though.
Get a 0% interest on balance transfers card and transfer as much as you can. Keep doing this until they are all paid off. |
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Coco
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My husband did the consolidation thing with DebtAmerica before we were married and they charged him about $250 a month just for the service. His bills didn't really seem to get any better. Your best bet is to get a loan from a bank. Once you pay off the debt, freeze the cards in a huge ice cube in your freezer so you won't use them. But keep them open, especially the ones you have the best/longest credit history with. If you have trouble finding a loan with a bank(if your credit score isn't good enough) try a credit union. They typically are more open to taking on people with credit problems.
Hope this helps. |
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Short Sales Investor.
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I feel for you... If you have a home you should try for an equity line of credit first depending on the state your credit is in... if it's to bad you will need to go for the home equity loan...maybe even a refi... rates are good right now. anyway all these choices will have a better rate than any credit card that you have so that you can pay them off and then pay the bank back at a lower interest rate.. Then DON'T DO IT AGAIN. My grandma says if you don't have the money then you can't afford that.. PUT IT BACK!!! |
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curious one
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Check out Dave Ramsey's "Financial Peace."
This man is AWESOME.
No "quick fix" instant 'miracle' remedies -- just tried and true methods that work.
He is straight-up about what steps you need to go through to get out of debt.
If you're looking for an easy answer, look elsewhere; but if you really want to get out of debt -- check out Dave Ramsey online at: daveramsey.com.
Good luck! |
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Robert B
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I would not recommend anything like a consolidation becouse it generally includes putting up colateral like a home. Six thousand dollars is a good bit of money, but it is not an insumountable obstical to overcome. I would recommend: putting your credit cards in a plastic bag, filling with water, placing in freezer, and begin to pay down the debt.
I would start by getting a budget started with the money that you have coming in. Figure how much you can afford to pay on your credit cards and begin the process of getting out of debt. If you have time you can pick up a part time job working on sat/sun until you pay off your credit cards.
I only offer this alternative becouse to be debt free will change your life. I am in the process of getting out of debt.
I will recommend going to Clark howards website which you can do a google search to get the exact address. I wish you only the best and good luck to you and your bright future. |
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Judy1
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The companies don't pay off your credit cards. They negotiate with the companies you owe to take smaller payments, and often the companies you owe will reduce the interest rate. You are usually not allowed to use those credit cards or any others until everything is paid off.
Some companies are legitimate, others are shaky. I know of one person who used Consumer Credit Counselling, and they seemed pretty honest.
Good luck. |
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pokerplayer528
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Your best bet is too get out from under this before it destroys your credit. The following site has a lot of good information about debt consolidation and a free quote so that you can see what they can do for you. |
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rilo
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Those companies do nothing more than put you on a budget and intercede with your creditors.
You can get yourself out of it, if you want to. There are sources online to help you on your way, but it does take discipline and time. |
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Eieio
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Consolidate what you owe into a single, more managable payment |
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watch_out
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you would probably be better off going to a bank and getting a loan and pay the bank back. would probly be just as cheap. |
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KillerKat
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Don't bother with the TV ads. The money you'll pay them, you can pay toward your debt.
Try calling each of the credit card companies and negotiate a lower interest rate. Tell them that you received another offer from another company for lower interest and you're planning on transferring your balance. They will work with you.
Once you've contacted all of them, work on paying off the smallest balance first. Then progress to the next ones.
3 cards is average for most people and most people are over 20 K in debt. You're doing pretty well... |
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Harrison H
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Dave Ramsey.. |
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Chris
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If your debt is large enough, you might just have to settle for bankruptcy.
But there are FEW TO NO companies that will just pay off all your debt. They'll take a mortgage on your house, if you own a house. But no company will pay your debts like you explain. Never.
If you can afford to pay some per month, just organize it yourself. Pay what you can, to whom you can, smallest to largest. |
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AlwaysOverPack
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look for a nonprofit debt counselor. Try consumer credit counseling service (CCCS) in your area.
If you are going to go it on your own. pay the minimum on every card except the one with the highest rate. That one you put the minimum plus all of your extra cash towards. It will take time. But you will get there.
You may need to consider a second job to get it going faster.
Good Luck. I have been there. |
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