 So what can "they" do to me if I quit paying my credit cards in the state of Tx? |
do to the fact i can no longer afford to pay them.
Additional Details
not that i want to quit. I borrowed the money by using the credit card therefore i should pay it back. but things ... |
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 I am way over my head in credit card debt, like $24K. Is there hope for me for bankruptcy (see details)? |
| Because of medication that I'm required to take and have been on since 1999, since I have no medical insurance, I've had to continually throw the costs of meds on credit cards. I'm ... |
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 Statute of Limitations for student loans? |
| I have a student loan, part of it is provincal and the other is federal is there a statute of limitaions on these loans. They reported on my credit buera but have come off because it has been 7 ... |
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 Co-sign a car, will they check my credit and other things? |
| If i co-sign a car loan for my friend, will they check my credit (employment and all the stuff), and also do I need to provide all employment history and stuff?... |
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 Do Americans spend more money using credit cards or cash? |
| I heard that if you pay for everything with a credit card, you end up spending 12-18% more. Is that true? Please include sources if at all possible.... |
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 Credit cards???? |
| If you have a credit card and do not use it to purchase anything do you still get a mnthly statement looking for payment or anything?... |
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 I have applied for a loan but the company want me to pay a brokers fee first, I have come accross this before? |
| The company want me to send a cheque for £39.99 and they say the loan is provisional - anyone else come accross this and is it genuine or a rip off ?... |
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 I can't pay my bills for the first time ever. What will happen to me.? |
| I lost my job two months ago and have only found odd jobs since. Im in college full time and have a car payment, 5 credit cards (havent used any for 3 years), phone, rent. No parents to support or ... |
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 What is the best way to fight a collection agency? |
| I am disputing a bill with a collection agency. Even though I have informed them that the bill is incorrect 3 times, they still have reported me to the 3 credit bureaus as being late. What good is ... |
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 Im 17 years old and i was wondering what should i do to get GREAT credit ? i dont want bad credit. lol? |
| Plus i want to get a GOOD credit card when im 18 or older. but i dont know what i should do to start building the credit. i dont know how all of this works. ... |
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 How to get a loan with not so good credit? |
| I need a loan of 1000 dollars and I don't have good credit. Any suggestions on where I can get a loan from? No payday loans ... |
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 Is it cheaper for a merchant to process credit or debit? |
In general, which results in fewer fees for them, and what is the benefit either way for me?
Additional Details
My bank (credit union actually) does not charge a fee for card use, ... |
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 Do i have give the bank the money? |
| recently my bank card was stolen and somebody used it to commit fraud and spent thousands. However, my card was reported lost before the card was used for fraudelent activity. The bank say that I am ... |
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miche | I keep getting capital one credit cards papers but everytime i fill out i'm not gettin approved.? |
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Etta P
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Pre-approval offers are based solely on a credit criteria. The offer is extended but if the applicant has too high of a debt to income ratio then the offer may not be approved. Credit is only one part of the approval process, then there ability to repay. Hope this helps |
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Sway_27
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and every time you apply its marked on your credit report and could cause your score to drop. Get you credit report and score and see why you might be being denied. |
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fourofsix2003
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Do yourself a favor,do not do business with capitol one.I had an credit card with them,I used it two times,payed it off in full both times when it was due,that was 14 months ago.It has taken me that long to get them to close the account,when I called and got a CSR,they interrupted me every time,TELLING me why I needed to keep my account open,and although I still told them I wanted it closed,it stayed open.I finally too k my card,cut it in half,and along with a very nasty letter,threatening legal action,I mailed half of my card ,return receipt requested,so they couldnt deny receiving my letter.FINALLY got a response indicating that my account would be closed after one full billing cycle passed after the date of my request to close the account.Capitol one will lie,and cheat any way they can to screw you over,they add montly fees without your permission,thery ignore your emails etc,in short,they suck.You would be better off applying to household bank (hsbc) if your score is unfavorable,they will work with you. |
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EMonti
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Call them and ask why your consistantly getting denied. Then look at your credit report and make sure there are no errors. |
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bbgirl
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i have alot of credit cards and capitol one is by far the worst one!!!!!!
that will be the first one to pay off and cancel!!! |
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spraynwalls
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they send these to everyone. fishing with bait and hook. best to shred the card app, and apply for a store card. once you get established, then try applying for better cards than what is being sent.
you can google to see who is accepting credit card applications. Pick one and go with it. if nothing happens, wait 6 months and try again, less than 6 months will keep you from turning a new leaf, and will prolong the next app wait time another six months. Try to go with a low interest card, and stay ways away from secured cards that do nothing for your credit score.
an alternative would be to join a credit union and get a card from them. wait a year (buy something with it, but keep it less than 30% of the credit limit), and ask for a credit line increase. once that data starts going onto your credit record, others may give you a chance to get on with life in a positive way.
advice to fourofsi. It would have been better to pay off the card and keep the account open, as the fact that you have the credit limit, whatever it is, works in your favor with other creditors, and those making a better offer. Closed account will still be on your report for 7 years or more, so it would look better as a plus for you rather than hey I had a problem and took the ball and went home sort of thing.
Mind you, I did the same thing, but have since learned there's a better way. |
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littlemaltese
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I had this exact same thing happen to me so I called them. It is because you have to wait 45 days otherwise the computer automatically declines you. Also, It doesn't do a hard inq on your credit report each time. You should get a letter that says your denied because a recently processed application. |
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millenium_ryan
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I would be careful applying to too many offers, it knocked down your credit score and when landlords or bankers need to check your score, they see you've requested a lot of credit and might consider you a risk and won't lend you money, which is why you may be being denied. |
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Alex
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Check you credit. And I had a capital one and they suck! |
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frak1a12345
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They think you are a poor credit risk so your application is being denied. |
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:)))))))
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:) |
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