How could a place in Italy get my Debit card info ?? |
| I saw one charge on the bank website they tracked it to Italy its description on the bank was www.190-IT Corisco. The bank said to come in and cancel my card and when they checked pending ... |
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If i file for bankruptcy, do i have to show up in court? |
And what are my other option so i don't appear in front of any judge or authority figure?
And another question is my crediters seud me to appear in court in september. what will ... |
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Can i stop a garnishment? |
| m yhusband and i are about to be garnished for a medical bill. I am not trying to snake out of paying it but we missed a payment to the collector when we were in hospital having our baby. when i ... |
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I'm trying to raise my score to buy a house, should I add my fiance' to all of my credit accounts? |
| We will be buying our house together, she has a 750 credit score and i have a 650 credit score. Would it help to add her to my credit cards? Would it hurt her? I know they look at both people for a ... |
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How TO Get A Loan Paid Off Quicker? |
| I just purchased some property with a high interest rate because of bad credit. I am paying almost twice the amount of the payment a month. What is the best way to get this loan paid off quicker and ... |
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How do I make money? |
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Can my boss prosecute me for charges on credit card?? |
| I am an assistant in a company and I have a company credit card in my name. I just quit my job and my boss is saying me is going to prosecute me for charges on the credit card. The charges consist of ... |
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Help w/ card? |
| is it possible to use my debit card as a credit card if i have a mastercard logo on it? I am looking to purchase a computer from dell online.... |
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Should I get a gas card to improve my fico score? |
| Im looking to improve my fico score, I dont have any credit cards now. Just a few old debts Im paying off. Would a gas card be helpful enough on the FICO?... |
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Can a mortgagee"buy" their own loan from a bankrupt lender for less than is owed ? |
| Our mortgage lender has filed for bankruptcy protection. We assume that our mortgage in the bankruptcy proceeding will be sold to another lender at a greatly reduced price. Example: We owe $200,000 ... |
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Help!!!! my perfect credit is at risk? |
| I have a $2500 collecton acount that's schedule to hit Equifax bureau at the end of this month. i recently check my credit score and it's currently 729 with Equifax. I can't afford ... |
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Do you think I would qualify for a $100,000 home loan with a 685 FICO score? |
Additional Details My credit score is 700 I dont have bad credit! I have a couple things paid off that are in the thousands, like my wedding ring. I only have 2 credit cards with ... |
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If I have a downpayment of 25000 and a credit score of 580 can I get a home loan? |
| Can I get a loan on a 100000 dollar house with a downpayment of 25%, a credit score of 580 and an annual income of 23000?... |
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Can a credit card company have a debt collector take you to court? |
| I have a outstanding CC and I got a thing in the mail from Maryland and some law firm that says its an arbitration that says I have 30 days to respond or they will go to court without me. That they ... |
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Should I consolidate my debt? |
| I own a small business. I am $75K in debt across 8 credit accounts. My credit score is 698 and my credit history has no faults (I do not have a history of late payments, etc.) This money though, is ... |
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Have I done the right thing? |
| So I called GC services and the same guy I talked to and I had a more pleasant conversation. I agreed to pay $25 to promise that I would then pay $500. I got another loan, so I can pay it. He agreed ... |
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Failed to get approval for credit card application!!WHY so difficult?? |
| I'm new in united states and have applied for credit card for 2 times few months ago and were rejected by banks. Is that because of no creditable record in united states so that i don't ... |
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gopatriots!! | I need another credit card fast, what can I do? |
I have 3 credit cards with $500 credit each. I want one credit card that can hold $1500 instead. what can I do? Are there offers or promotions anywhere that guarantee you pre-approval?
Thanks Additional Details I guess I shouldve been more clear.
I do NOT have any debt, I owe $0. Everything is paid off in full at the end of every month, I just want to increase my credit limit with a new card but I've been getting declined :( |
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SICARIUS
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Try Capital One. They are the best around. Flexible and have different option cards. |
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sharriaries
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I work for a credit card company.
You will not be able to get a guarentee of a limit. This is a major way card companies get you. The offer a line of credit "Up to" a large amount but you never get it. This is because you already have too much debt. The risk that a person will not only charge up the new big card, but re-charge the old ones and then over-extend is just too great. Your best bet is to keep the three and work with what you have.
There is NO QUICK way to get debt free...but the ARE ways to make is manageable and pay it off in a reasonable period of time.
This is the best formula to pay off debt, and give you room to consolidate it later.
- First, take all three cards and lock them up. Cut them up if you think you'll spend on them.
- Then call each of your cards and find out what your minumum payments and interest rates are. (While your calling, ask if they can reduce your interest. it can't hurt and they hear it every day so don't feel embarassed)
- Set the cards up in order of highest interest to lowest.
- Set up your payments so you pay the minimum payments on all three cards, BUT, pay extra on the high interest rate. (As much as you can reasonably afford...keep groceries and living costs in mind...don't short yourself too much, but try to pay the minimum plus half...)
-If you get a bonus, or extra on taxes...put SOME if not all of it towards the high interest card ONLY.
The goal is to pay off the high interest card as fast as possible, and then work on the others. Keep in mind, it will be easier for you to get a card with a 1000.00 limit if you have just paid one card off, and have not been applying for a lot of cards.
Keep this in mind as well, most cards will not let you max them out with balance tranfers. This means that if you get a 1500.00 card, you may only be able to tranfer 1000.00 of it to the balance.
Once you pay off the high interest card, move to the next highest. Add the minimum you were paying on the old card to the minumum you have already been paying.
I'm guessing that you have three 500.00 cards at high intrest levels....if your not past due on any of them, you have a really good chance.
If you are past due on any, then I reccomend calling the card with the highest interest, setting up a plan to pay it to good standing...keeping up on the minimum monthly payments on the others....then after the first one is caught up....work on any others that are still behind...
Take it one step at a time and remeber this...if you are getting collection calls, answer and ask how to send in a Cease and Desist. It is a request you mail or fax that forbids the card companies to call you. They can only mail you letters. |
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hot
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call them and tell them if u could increase Ur limit i did that and they did. |
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bdancer222
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Stop applying for more credit cards. Every time you do, they do a credit inquiry and that dings your credit. Multiple inquiries by credit card companies in a short period will take a big bite out of your score, especially if you are being turned down.
Use the three cards you have now to build up your credit and increase the limits. Use the cards and pay them in full every month. After 6 months to a year, they will automatically increase your limit. It takes time to build credit history. |
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Aimee M
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Nothing guarantees pre-approval. You may not be able to get a fourth credit card with 1500 in debt.
Another credit card may NOT be a good idea. Opening and closing credit cards can affect your credit score negatively. Leave each debt on the three cards and set a plan to pay it off. It will look positively on your credit report in the future. It's better in the long run. |
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Abcd
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check out www.fastcreditcardapprovals.com |
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shiprepairwoman
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No, you can use more than one card on a purchase if you have to. You shouldn't max out your card or get more debt than you can pay in a month.
Edit: Since you are staying out of debt just wait for a year or so then write to one of the cards you have. Tell them you are going on vacation and would like your credit limit raised in case you have an emergency on the trip.
Most will raise you automatically as your account ages in good standing. |
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CreditCardCube.com
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You need a good balance transfer card. You should visit http://www.creditcardcube.com/credit-card-balance-transfer.php You'll be able to see the options for the various balance transfer credit cards. Once you see one you like, just click on the Apply Now button. It's simple and fast! |
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