 I am in debt about 12 thousand and need help? |
| I wanted to know if there were any companies out there who help me get rid of debt or at least help with my credit score. I am in my last year of college and I do not have anymore money for school. I ... |
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 I recently got a credit card for the first time and I was wondering how does it work? |
| for example I have a $500 spending limit which I have spent when will I get the $500 back do I have to pay it back first or ... |
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| Do Collections/Charge-Offs really just simply fall off a credit report in 7 years? |
| I have done a lot of internet browsing and reading on the subject and it seems that half say yes, and half say no. I am looking for an official answer on the topic. I have a few debts from my early 20... |
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| How many credit cards do you have? ? |
| I was just wondering how many credit cards people have? I have one, but I read somewhere it's good to have more than one. Is there any advantage of having more than one credit card?... |
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 How would you deal with this Collection Agency Problem? |
| I have recently obtained my Annual Credit Report from the Big three Credit Bureaus. This is a similar question to that posted a few days ago by another user. My credit report shows no deliquent ... |
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 Credit Card Reform is Needed by the U.S. Economy? |
I am wondering if anyone agrees that the credit card industry needs to be drastically reformed in this country to combat our recent economic dilemna.
I have watched all presedential debates on ... |
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 Subscription Cancellation, Why is it so difficult to achieve? |
| This is the third attempt to cancellation my subscription. My credit card bill was received today and as I feared my renewal was charged to my credit card. What do I have to do to receive credit for ... |
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 How to get a new gas card? |
| how can i get a new gas card for a quanton meter as soon as ... |
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 Will american express company call my father if i did this ? |
| he gave me his card told me to buy something costs 7000$ but i bought two items cost 10,000$ i dont want him to know.he wouldnt notice the different anyway if the company didnt call, i mean do they ... |
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 Can I take legal action against my employer for making my credit history bad? |
| The payroll officer of my employer received my return to work form on the last day for collection but decided not to send it to payroll.I ended up not being paid for 2 months and had to ask for ... |
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 Will I build credit if I'm on a friends credit card account? |
| I have no credit. My frined offered me to join his credit card account, we will have the same cards basicly, I'll just be able to use his card, I will have a card in my own name, but on his ... |
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 Ebay Question.? |
How do you know if the person you are buying from will accept a credit card?
I don't want to use PayPal, or any other methods, just a credit card.... |
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 I want i higher spending limit on my credit card? |
| i just got my first credit card with a lousy 500 limit, i got that thru my credit uniom, if i got to mastercard, american express or visa, can they just give me like a $10,000 credit card, or do i ... |
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 If I add my girlfriends name as an authorized user does my 7 years of perfect payments attach to her credit? |
| Will her credit report show the same payment history as the account on my report? Thus extending her credit history and raising her score.... |
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 Do you know where your money is going every month? |
| every month our credit card payment is killing ... |
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poorgirl :( | I just got a credit card for the first time.. what are the do's and dont's?? |
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 |
 
vanman
 |
dont use it in a bar
dont use it for gasoline
do not get cash advance's
remember the higher your credit limit the more you are liable to spend so have the limit capped at 1000 or even better still 500.
use it responsibly and keep in mind you haved to pay your bill every month or you will be slapped with steep interest rates
Dont become miss or mr popularity by buying things for friends. |
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reitz37
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Until you are sure that you can handle the responsibility that comes with it, delay using it. You'll want to use it....don't.
Do:
When you have a balance, pay it all off.
Pay on time.
Know who/where to call if the card is ever lost or stolen.
Don't:
Buy things you wouldn't buy with cash you already have.
Use it while drunk.
All others to use it...they won't pay you back. |
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shant
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http://creditcard.creditinspector.info has excellent info related to dealing with credit cards. Check it out! |
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bronco1_80
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Cut it in half! My philosophy is don't spend money you don't have. Paying the entire amount owed each month sounds nice but if you are able to do that then why do you need the card? I guess if you are trying to build credit maybe, but from now on I just save up and use cash. |
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JANET O
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First watch the interest rate if your trying to get your credit established make a small purchase., pay it off then you apply for ones with good rates. Always pay on time and pay a little more then the payment. Hide it away for emergency's like a doctors visit etc. People get in such a mess with credit card use it wisely. |
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audrey c
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Okay the biggest thing is to make sure that you pay the full amount owing every month.
credit cards can be great for building credit.
but the can also ruin your life. just be smart.
don't use it when u know u won't be able to pay it in full when the bill comes in. |
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mannliz
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THE BEST THING YOU CAN DO IS CHOP IT IN HALF. |
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dumboe8899
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DO: pay off the entire bill every month.
DO: charge small things to it every month.
DO: find out about rewards programs associated with the card, and USE them.
DO NOT: leave a balance, unless you're on a promotional 0% period.
DO NOT: max out the card. Ever.
DO NOT: forget the date when the bill is due. |
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Not quite perfect
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Only spend what you are absolutely sure you can pay off when the bill comes due.
Never ever pay the bill late, even if you can only pay the minimum balance (worst case scenerio). They will hike up your interest rate!
Read the fine print too!! |
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