 What is it with all the stuff about paypal? |
have i missed something??
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it's doin my head in ... |
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 Are there any credit card companies that will let a 17 year old sign up for? |
Are there any credit card companies that will let a 17 year old sign up for?
If you know of one please leave their website address below.... |
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 I have no credit rating how can i get a credit card? |
| i cant get a card anywhere because i have no credit rating. how can i get a credit rate when nobody will give me credit. what do you have to do!!!... |
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 Aren't credit card companies some of the biggest crooks around? |
| I just went over on my credit card by a few dollars because the company decided to give me a 34 day billing cycle this month. My interest was 181 and I only had 177 available credit. I paid enough ... |
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 How do I pay off $190000 in studen loans? |
| So, when I took out $175,000 in student loans to get through lawschool, pay back didn't seem like it would be a problem. However, I have graduated to a bad market and with substantial health ... |
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 I owe $100,000.00 on 22 credit cards. However, I can't afford to pay them. What legally can they do to me? |
| I know they can sue me in civil court and get a judgement against me for the owed amount plus other fees. I wouldn't even be able to pay the judgements! Will the judgement cause me to have my ... |
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 Are there credit cards for people with bad credit? Where do I get one? |
| My life is more established and I would like to get a credit card. However, I have bad credit, is it possible to get a credit card? Any suggestions...?... |
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 Clearing off credit cards - please help? |
| basically i have a credit card with vanquis bank I have used up my limited of £1000k, i pay off only the interest everymonth of £50, i am planning to pay off £800 the end of this month will my ... |
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| Is a credit score of 551 bad and can i get a car loan with it? |
| is a credit score of 551 bad and can i get a car loan with ... |
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 Do anyone out there think Salute Visa is a Scam??? |
| I applied for this card three months ago and never received any letters of approval or anything, than when I call the customer service reps all tell you something different. I even asked for an ... |
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 Can anyone stole money from my bank account? |
| i had received a mail that i am eligible for receiving 15 million dollars from some . i had given my account name & bank account no ( personal details also)to that person for transfer of funds. i ... |
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 Does anyone really think we are headed for a cashless society? |
The ceo of VISA wishes that by 2012 the US becomes a cashless society. Is this really possible? The US coin mints and currancy printers are owned by the government not banks.
Even though I... |
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 How I can resolve this credit problem? |
| There is an account that is in creditor collection.I do not know the origin of this past due account. I have never being notified of any debt.... |
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 I am terribly in debt HELP? |
| as a single mother I do not have alot of income. Is there any way a credit card company will work with me to lower my monthly payments or anything? This is really important to me and I just don'... |
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 Do collections agencies lower the bill if you negotiate with them? |
| when i paid some of my collections the agencies would lower about 30% but then i requested this to be done at another collection agency and they said it was illegal!... |
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 If I have 0 interest on a credit card for 4 years why would they call me if I skipped a payment??? |
| I really don't get it.... I have 4 years with 0 interest (I have until June of 2010). The card is not going to be an issue to pay off, but I skipped last month for some extra cash, and doubled ... |
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aml0017 | I want to consolidate my credit cards? |
I have about $12,000 in unsecured debt from credit cards. I plan to pay two off soon, but that still leaves about $10,000. I am paying the minimums and have a good credit score (730), but my interest is so high I'll never pay it off.
My first thought was to go to consumer credit counseling services but since I am not delinquent I don't want to negatively affect my credit at this point. So, I thought I would go to my bank and get a loan to consolidate. Should I go for a personal loan or a consolidation loan (my bank is Chase)?
Also, two of the credit cards I carry are Chase credit cards, will this hurt my chances of getting a loan? Any help will be appreciated!! I am willing to cut corners, make some extra money etc. to pay off as much as I can. I have cut up my credit cards and not used any for over a year but I am still overwhelmed. Help please!
Additional Details
I am currently paying about $400 a month just minimums, interests rates all around 20%. If I can pay any less than this a month at lower interest it will help no? |
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Jeremy P
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You might consider transferring your balances to a 0% APR credit card. Although this won't solve your problem completely, it will reduce your monthly minimums and help you avoid paying interest for up to 12 months. Over that period, you could knock down your balances significantly-- then maybe even switch to another 0% APR credit card before the first intro period is over (until your debt is paid off completely). You can find a complete list of offers here:
http://www.asapcreditcard.com/0-apr.html
Although switching credit cards on a regular basis might have a slightly negative impact on your credit score-- it's only short-term. Eventually, after you pay down your debt and return to your normal spending habits-- your credit score will return back to it's original state. BIG DIFFERENCE: you won't be in debt anymore!
Some people don't advise using this method because it might be hard to resist spending more with your new credit cards. But if you're disciplined-- you could reduce your debts quicker and save a lot of money.
Hope this helps. GOOD LUCK! |
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Precious Gem
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Consolidating(sp?) your debt onto one card would help a little. Choose the card with the lowest
interest. Then make HUGE payments and get it paid off fast. Look over your statements each month
and make sure the company is adding interest to your current balance. Some companies will fix the interest to the last highest balance and keep it
there regardless of the actual balance. |
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dslandau
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Why would you go through credit counseling if your credit score is good?
Get a consolidation loan. Pay off your credit cards. Keep some, but don't use them. Submerge them in water, then put them in your freezer until they're suspended in a big block of ice to help you from using them (yes, a friend of mine actually does this).
You never know when you'll need one in the event of an emergency. Prada shoes are not an emergency, though. |
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Shira I'nusyl
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Why are you only paying the minimum on your credit cards? If you have enough money to get a loan, why don't you instead make an effort to pay off one of those cards as quickly as possible? One of my roommates cleared out nearly $2,000 in credit cards by just paying them off one by one, using as much money as he had to spare out of every paycheck. I'd suggest a similar strategy for your debt. |
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Sunidaze
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Question for you - why are you paying the minimums each month??? Big mistake right there! I'm not sure how easy it will be to get a loan for that much without some sort of collateral or co-signer.
By the way, contrary to the belief of some, using a consolidator will ruin your credit. I've been doing the same (I had twice the debt as you) for a few years and with the help of a debt consolidation company, I will have it wrapped up by the end of this year. My credit has greatly improved in the process. |
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ram p
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my frnd i hope this ill help u.........coz i had found for me from this |
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chrylmichell
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I would go to a consumer counseling credit agency and let them negotiate a good card and rate or loan for you to consolidate. They will also offer you suggestions on how to keep this from happening again. They are wonderful agencies with many resources to help in all situations. Good Luck!! |
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See Saw
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Credit card debt consolidation adds up all your unpaid balances and converts them into a single payment. This payment is far lesser than each of the individual payments.
When you finalize a plan with a debt consolidation company, the company repays your dues to your creditors. Then you make a single payment to the consolidation company every month. Your average new interest rate is much below the old interest rate.
All credit card debt consolidation loans include some type of credit card and debt counseling. You have to trim your lifestyle to eliminate unnecessary expenses. This will allow you to set your house in order. But this necessary, as the ultimate goal of debt consolidation is to help you out of debt, while keeping your home. |
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hollybear
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I'm in a similar situation. Starring this question |
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felix hallam
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Bad credit debt consolidation loans are quite popular with those with poor credit history. If your loan application is rejected by a lender, bad credit debt consolidation loans are there to help. If you want to repair your credit history by repaying a loan, which has simple terms and low monthly installments, again bad credit debt consolidation loans are for you. They save you after rejection and help you regain your financial credibility, so that you can again enter the mainstream credit market.
Bad credit debt consolidation loans are of two types:
1. Secured bad credit debt consolidation loans:
These types of bad credit debt consolidation loans are secured by a collateral usually some property or a guarantor. Since, the lenders find something to bank upon in case you default on payments, the interest rates on secured bad credit debt consolidation loans are cheaper, the lending amounts are higher and the repayment period can be long. Read more about it at: http://www.credit-card-gallery.com/article/198,Get_over_bad_credit_problems_with_bad_credit_debt_consolidation_loans |
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Amanda H
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What totally sucked was the fact that after college I had so much credit card debt that piled up and it was really affecting my credit score. I searched around and tried a few of those debt consolidation sites but found that nothing that I tried really worked. I found this kick *** site that helped me alleviate these problems and I want to share it with you.I helped me out so much and I hope it helps you as well.http://getoutofdebt.5gbfree.com/index.html |
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Need Answers
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Don't move the debt around which will only allow you to create more debt. Pay them off, then never use credit again. If you can't afford what you want, get a second job and save, then pay cash. The perfect credit score is ZERO, because you owe no one anything and have no need to borrow to obtain what you want. Do it right, don't consolidate! |
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richkvegas
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By consolidating the loan all you are doing is moving the debt. Unless there is a drastic change in interest rates this will not do much for you. If you go to a Credit Counseling Service that makes payments for you, your credit will be trashed. You need to get a 2nd job and pay this down yourself and never use the cards again, good thing you already cut them up. |
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