 Serious, honest answers only? |
| If I were to finance a $15,000 auto loan with a term of 66mths now will that hurt my credit in, say, 3 years when I try to get a home loan?? What am I saying is is will the lending institution look ... |
|
 Building credit? |
| i am a sophomore in college, and i dont have credit and i want to build it. i have applied for credit cards that say they are for people to build their credit, but i dont get approved because of ... |
|
 How can I stop compulsive shopping? |
| I am in debt because of shopping, I maxed out my credit cards and now I borrow money to go shopping, and I buy things I don't even need, I feel better after shopping, it's like a high or ... |
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 Building credit...What is the best way to pay for credit card purchases ?? |
1) Should I make small purchases lets say 100$ a month and
pay it off in full upon billing ?
2) pay full balance before i recieve my bill ?
3) make the minimum payment only ?... |
|
 Buy a giftcard, with a giftcard? |
| i know i am receiving a walmart giftcard from my aunt. And i do not want anything from walmart. So i was wondering if it would be possible for me to use my walmart giftcard to buy an all access Visa ... |
|
 How to recover money that was borrowed to a friend who refuse to return? |
| i borrowed a total of $4.5K over nov'06 and dec'06. i kept asking for the money to be returned, and was given all sorts of execues and now..this friend is uncontactable or have been ... |
|
 Why does no one save up for things? |
| Cars can be bought on credit, OK if it is zero percent but if you have to pay some of the exhorbitant amounts they charge, why not save up?... |
|
 Will I be okay just paying part of my credit card? |
What will happen if I just pay much more than the minimum payment but I still have a balance left on my card? I'm maybe going to be able to pay out about $300 or $200 out of $500...
W... |
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 Which credit card offers the highest limit for someone with credit score 650-699? |
| I am trying to raise my credit score by spending low on a credit card with a high limit. I currenty have a 652 credit score. Which card would offer the best chance to raise my credit this way?... |
|
 When purchase goods on your credit card, do you clear it off every single month? |
... Or pay it off slowly?
Additional Details
I too pay mine off every single month :)... |
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 Rebuilding credit? |
| I have had some credit problems and been over my limit a couple of times, but I can finally pay off my credit card. My question is that i have 2 credit cards, i want to cancel one, and use the other ... |
|
 How do i get my credit score up? |
| my wife and i have paid everything on our credit reports, and yet the hits are still there. i dont know how to fix this and its costing us thousands of dollars. someone please help ... |
|
 When is the appropriate time to use credit cards? |
| To keep from going into debt, when should I use credit cards?... |
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 Is this a scam or real. I need to know? |
UNITED STATE PARCEL SERVICE BENIN .
Rue 105 Akpakpa Way,
Cotonou Bureau Office
Republic of Benin
Tel/Fax +229-93-046-557
E-mail: uspservice2003@yahoo.fr
web: www.... |
|
 I NEED Credit Card Advice? |
| I already have 1 credit card w/a $500 limit, through my bank. which is helping me re-establishing my credit now. I got it this past June. I pay way more than the minnimum payment. I have ... |
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 Has anyone here maxed out a credit card on purpose? |
| In other words, spend left and right knowing that you were maxing out?... |
|
 Do you think i could build my credit in 11 monthes? |
I'M not looking for my credit score to be perfect but at least 600-650 can any one help me
Additional Details
I have no credit but just got my first credit card need to build my ... |
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 Can i be held responsible for a dead persons debt? |
| i used to drive the car under someone elses name, but i gave it back and now the repo man wont leave me alone. the owner has passed and they cant find the car.... |
|
 If I just opened a bank account and I have like only $5 in it and I overdraft $3000 from an ATM, can I do that |
| If I just opened a bank account and I have like only $5 in it and I overdraft $3000, can I do that, and if I do how long do I have to pay it back before I go to jail?... |
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toolate | I have way too many dept store credit cards that i havent even used should i cancel them? |
they are like Kays Zales Ebay Paypal card? i never will use them cause i have others but someone told me cancelling them was bad. ihave about 10 credit cards and i want to just close some will it hurt me? |
 |
 
conor_lynch
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Cancel them if you never use them, carrying around a wallet full of store and credit cards leaves you open to fraud if your wallet is lost or stolen and your credit will not be affected if you cancel some or even all of them |
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Dave S
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I wouldn't close them all at once. Space them out over a year or so. Opening and closing a lot of accounts in a short period will lower your credit score. |
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origamimark
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Is up to you. Just cut em up and bin em. |
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Pam S
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I would close them. For one, there is a chance of them being stolen. The other reason is because they take all that open credit in consideration if you want to open another card (like a Mastercard or Visa). You will have less credit to use because all of those other cards are open. |
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awake
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Close as many as possible, which means all that you don't use. You have what's called too much available credit. If you went for a big loan, or mortgage for a house, you can be denied for the reason of too much available credit. That was one of the first things my mortgage broker told me when I applied for my home loan.
And never check with a credit card company on what you should do. They will all tell you the same thing: Keep ours, we will lower the interest rate for you and waive any annual fees as well. We will also upgrade your status giving you more credit with us. |
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coloradojacobi
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The more open accounts you have, the lower your credit score...even if they have a zero balance. Get rid of them. |
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roshambo76
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Fod God's Sake YES!!! Cancel any credit card (bank, department store, ...) that you don't use because it is only making you a more likely target for identity theft and fraud. Any open account can be used to charge items and if you aren't the one doing the charging you'll find yourself in a heck of a mess. |
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schneidmanbabe 09
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I would close the accounts . unless u absolutely need the credit card. sometimes if u have no activity on your card in more than a year u might not have a acitve account. so check with the credit card company and see what they say then always make sure to cut up the credit cards into really little pieces so no one can get ahold of your account or ID. |
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wjvv
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It doesn't hurt you at all. In fact it helps. One of the things that effects your credit score is how many accounts you have open. If you have too many, your score goes down. |
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ravi g
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hey look debts r debts and u have and have to repay them
dont atall go in debts
i too will pray for u
not to b in debts
b carefull
take care |
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priya
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close them!! having too many cards open actually lowers your credit score! |
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