 Why don't I have perfect credit? |
I've never EVER been late on a payment, I've had and paid off several trade lines (and early too), so why is my credit score not an 800 or above? I just don't get it!
Additional D... |
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 Im 14 yr old and i need a credit card? |
| i need a credit card that will work for 14 yr ... |
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 Does running a credit check really lower your credit score????? |
| when the ask you at the store if you want to sign up and they check your credit do you loose 2 point off your score????... |
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 How to signup free with paypal ? They're asking credit card number !? |
| Is it safe to give it to them ? I am checking out Entireweb speedyads publisher network where the payout type is through paypal only...when I go to paypal for signup - they're asking me credit ... |
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 I received a cashier ck as escrow payment to be forwrded to a walter brooker @yahoo.com.is this a fraud? |
i received a cashiers ck via dhl from canada.i am supposed to cash and forward minus 10%.i am concerned this may be a money laundering scheme.the funds were directed to me via
walter brooker@... |
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| I need at least $300 very quickly. I've never had a credit card. Can I do it this way?? |
| Ok, I'm 24 years old. I've never had a credit card, by choice. I've been trying to keep my debt down so that when I'm married and start a family we won't be drowning in ... |
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 Help! SERIOUS QUESTION click NOW!? |
the day started out like this
i was bored and went to my fav game site World-Warcraft
i went to the Chat forums
i saw a thread called "FREE CREDIT CARDS!"
i went to go ... |
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 Credit Score went down why? |
| This is so confusing. Equifax and Transunion went up but experian dropped ten points. I have no idea why. Looks like everything has been reported the same pretty much. any ideas?... |
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 Can a bill collector call your home and give personal credit information to your babysitter? |
Additional Details
I bought a car for my daughter, she didn't make the payments and I can't, so I voluntarily returned the car. The car company who bought the car from the ... |
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 What happens if you don't pay your credit card bills? |
| what can a card company do to you.I want everyone to know that I am not trying to get out of paying my bills but my house payment is more important and my work has went down and I have 3 ... |
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 Will paying off my car loan 2 years early really help my credit? |
| My credit is Poor and I am going to payoff my car loan 2 years early will this finally help me with my credit issues? how much will this affect my credit score?... |
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 Am I better off closing old credit card accounts? |
| I go for credit cards that give deals (0% balance transfer, points or cash back etc). When the deal ends I stop using the card. Should I close them or leave them? If I close them should I close them ... |
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 If i paid off a debt and received a receipt marked paid in full can they then ask for more money? |
| paid off past due oil bill in full they are now trying to tell me that i owe them for a sheriffs fee, that incurred on the day i paid the balance off on the ... |
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 Can you go to jail for not paying your credit cards? |
| i have 7 credit cards all maxed out.i have no job no property and no car. wat can happen to me. can i go to jail?... |
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 What checks are used on a basic savings account ? |
| Hi everyone, i have recently been turned down by natwest and barclays for a basic bank account , i am not bankrupt but do have bad credit history. i have been given a cheque and need to cash it, i ... |
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 What does it mean if a credit card is declined? |
| i have my dad credit card, i dont know if I have done anything wrong to decline it i am sacred to tell him.... |
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 How can people protect themselves from banks and companies ruining their credit? |
| there must be laws against banks and companies taking people's money through high interest rates, overdraft fees, and other bank fees. Companies are designed to rip people off and the public ... |
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dugizzle | 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 sending me mail for new cards for being such a good customer.
Oh yeah, I don't pay any yearly fees or anything. Do they make any money off me? |
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Boss_Floss
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Sure they make money off of you. They make money off all of their cardholders. They charge merchants that bill your credit cards certain merchant transaction fees. These fees are usually negotiable. Am Ex charges the most, it could charge a merchant who doesn't negotiate the fee more than 4% of the transaction amount. Visa and MasterCard charge less, usually about 2-3%. They are smart, this is whay they are in business! |
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Lucky Me
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No. You are not making them any money. God bless you. Keep up the good work. They hope to tempt you with these other cards. Don't do it. You are a rare jewel of self control. |
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stephenweinstein
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They make money from merchant fees. (The store gets less than the full amount of your purchase.) |
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beautyspot23
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They are not making maoney off you but you are one of the smart ones. They continually raise the credit limits on people that dont pay them off reach month hoping that they will fall into the trap. My father who is on a pension and always rings his up has been given $12,000 credit. It is ridiculous that they pray on these people. |
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petey00petey
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when you buy something at a store with a credit card the store owner submits the credit card transaction to a bank...when they send him a check they deduct 3 per cent....thats how credit cards make money....it costs the merchant 3% if he uses the credit card process. |
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Fearless
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No, they do not make any money off you, it is the finance charges they make the real money off of. Especially with the people with bad credit or no credit. |
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October
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Look at your bill closely. You wil see an added interest charge every month. |
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chessloser24
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They don't. Its kind of like fishing, they throw the bait out and try to wheel you into debt and they pretty much own you. You on the other hand is the fish that nibbles at the bait giving the creditors nothing while building you fico score. Smart fish. |
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Gem
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American Express makes most of their money from charging the merchants fees that accept your card. High fees!
Your ability to live within your means is a good thing, keep it up.
And why do you care how the company makes money off you as long as they continue letting you use the cards? |
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Judy1
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They charge the seller a fee for everything you charge on your card. |
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