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 Can a buisiness charge a fee for any credit card transaction?
I live in San Francisco. In my old hood the corner store charged you for credit/debit purchases under a certain amount. My new corner store charges 50cents for any and all card transactions. Is that ...


 Which Credit Card is good SBI or ICICI?
...


 I've been told I have NO credit..how do I get some??..I have owned a house so I should have credit?
Its hard to get a loan with no credit vs. bad credit
Additional Details
banks dont have to repor t credit so its not instant credit if you take out a loan and re-pay it even if its on ...


 Has anybody had any luck with debt consolidation through one of those companies?
Im about 10 grand in the hole! I have been missing payments to credit cards lately, and have medical bills that I haven't even considered paying. I just make sure I keep my rent, and my care ...


 If you have a bad credit rating from years ago, is there still a bank that will give you a credit card?

Additional Details
It needs to be in ...


 Got a collection notice. 357.00 bill for a verizon acct in ny. Not mine. Not on credit report. What do I do.?
...


 Paying off credit card and overdraft debts?
I have £3,500 on a credit card which is 16% interest rate which works out at approx £80 interest per month on top. I also have an overdraft of £600.

I have gone on to uswitch but ...


 When a credit says they ae going to take you to court for an 8 year debt are they lying or can they do that?
When a credit says they are going to take you to court for a 7 year debt are they lying or can they do that? I got a call from a "lawyer's office" saying that If I dont pay I will be ...


 Can they still leagally collect on a credit card debt after 15 yrs?
...


 Will i be able to make complete a transaction that exceeds my Credit Card limit?
i got a credit card with a limit of $500. its new so i havent used it yet. i can pay off the bills and wat not but i wanna know if i pay a ps3, an extra controller and rainbow six vegas, will i be ...


 What should you do when your parents taken out credit cards in your name and been using it? Also been late?
I love my mother very much but when i rcvd a call from collecters stating i have 5 credit cards in my name, i was very upset with her. I dont want to charge her with fraud but i need these neg- ...


 Collection Agency Question?
I've heard conflicting information so I'm looking for some definitive answers. With regard to collection agencies:

1. Can they actually sue you and/or even collect the debt in ...


 Having "TOO" much Credit?
Ok.
So I was told at the tcar lot today that I have too much credit and can't get a car.

I pay every single bill on time and have mulitple credit cards that i pay on time.
...


 Is there any way i can get credit for a games console but my credit rating is very poor?
...


 Is this a scam?
Someone sent my wife a $3500 check from south africa with a letter stating I won a $900,000 drawing. They said the 3500 is to cover the taxes. They want me to cash the check and they will make ...


 I need car finance but have no proof of income and bad credit history is there any lenders?
i was discharged from bankrupacy 3 years ago and most of my work is cash so proof of income is difficult to ...


 If I pay my credit card off completely every month, then how does a credit card company make money off of me?
i've paid my credit card every month completely since i've had it. i have excellent credit. My credit card is American Express. If they know I pay it off every month then why do they keep ...


 Should teens have credit cards???
Only answer in

yes

no way

not sure

yes, but one that i can ...


 Credit Repair help! I have paid every bill owed on my credit report, meaning I am debt free, READ ON?
however even though all my debts are paid
(what a great feeling)
my credit report is a mess because these lousy creditors have not updated my report. So in reveiwing my report I am so over ...


 What chances do I have of getting an auto loan with a 495 credit score?
im looking for a used car between $6000 and $9000. Will I be approved and what will my down payment need to be?...



trackman716d
If I have a mortgage can I use the house as collateral for a personal loan if I have a mortgage?
                     
 




skip
Yes but, as a rule, the mortgage plus your new loan must not exceed the value of your home. If the total of your loans exceeds 80% of the value, the lender will almost certainly insist on mortgage insurance. With this, you pay the premiums but the mortgage company gets the benefit if you default.


austinguy62
yes you can get a HELOC or a Home Equity Loan, the exact amount will depend on the state you live in. Texas is limited to 80% CA is a great as 125% I think


cork
SECOND MORTAGES ARE POSSIBLE.


waggy_33
Rating
It depends on your equity. Equity is the difference between the value of the house and the current mortgage balance. If you have equity you could get a home equity line of credit.


Rainy
Rating
only if you owe less on the mortgage than the house is appraised at. . .


Trollhair
Yes, it is called a 2nd mortgage and it will be more than it is worth to pay back with points, etc.

It is better to refinance your house with a line of credit. That way you don't have to keep getting loans. Everytime you pay on your balance, that leaves money yet to borrow.


KATHLEEN C
Rating
www.SuzeOrman.com doesn't recommend you use your house as collateral for a personal loan. If you can't make payments ,you risk losing your house. I You should checkout her website and see what advice is there.


Luckys Charm
Yes, it is called a 2nd mortgage and it will be more than it is worth to pay back with points.


David B
Rating
if you have some equity, meaning youve paid down some of the principal.


Matt J
Rating
Yes, you can get a 2nd mortgage on your home.

Matt
http://www.diversifiedlender.com
http://www.minnesota-mortgage-rates.net
http://www.refinance-second-mortgage.biz


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