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 Which of these credit cards is better?
a card with an apr of 14.9% but a $19 annual membership fee

OR

a card with an apr of 19.24% but has no annual fee.
Additional Details
thanks martin,

i am ...


 When a credit card expires, does it auto renew and they send you a new one with the same number?
...


 Hey does anyone know where I can get $30,000.00 loan with extremely bad credit?
...seriously....trying to make some business investments. but am in need of 30,000.00 to get the business off the ground......but my credit rating is below horrible....any ideas?...


 Low credit score?
Im just wondering if anyone can help, im 19 years old. only ever had one thing on 'credit' a mobile phone contract i paid late a few times it went to a debt collection agencie i did however ...


 Credit Card problem?
So I received a paper that said that I was pre-approved for a Visa card and just to send it back so I did. When I received my card, it had a sticker on the front that said "Call today to ...


 Can a creditor instruct bankruptcy on an individual who owes old debt of less than £5,000?
A 'tracing co' has contacted me and has advised they will be making me bankrupt unless I contact them within 7 days. This is an old debt which has been passed around to various debt ...


 My credit card bill is due today, i mailed my payment, but not sure if it will arrive on time, what happens if
I use the pay online or over the phone option now, although i have already mailed in my check. What will happen to my check that is on its way. Will they disregard it, since the payment has already ...


 Debt consolidation?
what is te best debt consolidation website, offering service for people that have a not so good debt to income ratio....


 Will Blockbuster video take me to collections for a $6 late fee?
Blockbuster is awful they charged be a whole nother week on a one week rental in 2003 because i was an hour or so late returning the dvd. instead of 6 pm it was 7 pm; and i was pissed and never paid ...


 Where can can i find a bad credit/ op credit auto loan?
I am looking for an auto loan to buy a used vehicle. I don't have bad credit but my credit is not established so I need help finding an auto loan....


 How Do I Get Out Of Credit Card Debt?
I asked another question similiar to this one, but I thought I'd be more specific. I'm in credit card debt, and I need to use a debt consolidation company to bail me out, but I don't ...


 I cant get approved for any credit cards. I am 19 years old and want to build credit- which card should i use?
...


 What is the full form of ATM?
...


 Can my credit card provider recover dues from my saving account when both are from same bank but no link in 2?
...


 A creditor has filed judgement against me after 6 years on credit report. is legal?
I LIVE IN ALABAMA
VEHICLE REPOSSESSED IN 2000, ACCORDING TO MY
CREDIT REPORT. DUE TO BE REMOVED OFF MY CREDIT IN AUGUST 2007. CREDITOR HAS FILED JUDGEMENT IN JANUARY 2007. IS THIS LEGAL...


 Does storecard credit appear on a typical landord accessed credit check?
I was quite late in paying off a store card when I was 18 (5 years ago), but I'm still worried that it will look bad on a credit check when I look for my first flat.

I have been OK-...


 How do I get a card?
How do I get a credit card with bad credit?...


 Which is $1000 a K or a G?
I can't ever remember which is which. Is a "K" $1000 or is a "G" $1000....


 How do i cancel my bank account?
yesterday i opened a bank account and i really wanted a debit or credit card and i have to be 18. well i called another bank that i found and they can allow someone to have a card under 18. so how do ...


 Company trying to collect payment after 7 years?
We purchased some wardrobes back in 2001 on 1years interest free credit, but once the year was up the company failed to take the cash. This morning I received a letter from a collection agency saying ...



Neef
I want to consolidate my debts into 1 monthly payment...?
I have been screwed around by these bogus credit repair agencies I would just rather contact a "legit" debt consolidation company so I can start repaying my debt and bills o I can re-establish my credit. My question is does anyone know of any "legit" debt consolidation companies that YOU(<--key word) can assist me? Everyones answers will be received respectfully.
                     
 




heybulldog
Rating
how many credit cards do you pay on? how many loans do you have? do it yourself and save the outrageous fees they charge. You can use that to pay off the loans. BUDGET. Write down everyone you owe smallest to largest and pay off the smallest first. then you can put that money on the next smallest. meanwhile pay min. on the rest.
the reason for paying the smallest first instead of the highest interest is because it keeps you motivated to keep going. Interest rate is not the problem.


kit
I bank at Bank of America and they do have a debt consolidation loan. I have been banking with them a number of years. If you don't bank there, Wells Fargo has one of these too. That way you won't get cheated by bogus repair agencies.


manto
Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan.
http://debt-trap.com/category/Debt-Consolidation-Basics.html


Dzo
Hi,

You are right. there are so many bogus companies that cheat gullible consumers. Yet, there are some genuine agencies that might come for your rescue. Check it out http://www.cashguru.info which might give you very useful insight into handling debt consolidation related matters. Good luck for a debt free life.


gonzo
I would suggest to consolidate your loans with some established company.


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