 Why was i refused personal loan from banks with best APR ? |
i am permanent resident for 2 years in uk, continuously fully employed (current employment 7 months)
I have at least £1k income after taxes and all costs of living left each month, i ... |
|
 Isnt this the best country in the world!!! Only in AMERICA!!? |
| I just have to post this craziness. I just bought a new CAR!!! Yeah! My husband got laid off and we just filed bankruptcy. Only in America the land of unlimited opportunity and credit.... |
|
 What is the best credit card company to go with to fix bad credit? |
| im trying to boost my credit score up to an 800 or as high as i can get it, and i know credit cards are the way...but whats a good company to go with, or who has the best offers for bad credit.... |
|
 How can teens protect their credit before they have a credit card.? |
| im a teen, i dont have a credit card, and i dont plan on getting one, except to establish credit so i can buy a car and such....i have a checking account that i keep up with....but what are some ways ... |
|
 How can i get a loan with bad credit? |
| I need 4000 by december. The problem is i owe my school and outstanding balance of 4600! My student loans have been deferred until January..so this loan would only be for a month max ...as my student ... |
|
 Credit Card for 18 year old? |
| Hi, i am an 18 year old senior in high school. I would like to start building my credit by applying a secured credit card at the bank. I have saved up to $1200 right now from my under the table job. D... |
|
 Does anyone knows if my credit score will be affected if I don't pay my cell phone bill ? ... ever. Thank you |
| My company is charging me an amount I know it's not accurate ( but It has happened before and I always ended up paying for it, but this time I'm not willing to pay for it since I was ... |
|
 Having too many credit cards will hurt your credit score? |
My friend told me that having too many credt cards will hurt my credit score. Isn't true
I have about 35 credit cards and most of them are applied through invitation. I pay my due ... |
|
 How does bank make profit on credit cards? |
| Lot of banks are issuing free credit cards. How do these banks make profit by giving free credit cards. If we purchase something in credit card, the bank has to pay the money to the vendors and we ... |
|
 I have a bill for $379 and a credit collection agency is sending letters. What will they do If I cant pay it? |
| I am struggling just to make rent and I have two jobs, this is a bill from an auto insurance company, I don't know what they will do. Any ideas of what can happen to me?... |
|
 Has anyone used a legit credit repair company? |
I have tried to dispute items on my credit report and haven’t had much luck.
I have late payments, bad debts, and I have no good credit. Please give me links so I can research the ... |
|
 How long do negative occurences stay on your credit report? |
| I mismanaged my finances back in 2001 and 2002. Now I'm fine. But I applied to a job that did a check on my credit report and they said there were some "negative things" on it so I ... |
|
 What is the best way to stop credit card collections from calling?? |
| Although I do have some late fees, my credit card company continues to call more than 5 or 6 times in a day. This is ridiculous. Is there any way that I can have them stop this practice that will ... |
|
 When a collection agency calls and ask you to pay the entire amount owed on a debt. Can I make payments? |
| My husband is on dissability and I can only make small payments. The lady who called was very nasty and very mean. Made fun of our income. so I told her I would send twenty dollars a month. Not ... |
|
 Why is it that when you use a credit card sometimes you have to sign and sometimes you don't? |
| The gas station never requires a signature. The grocery store or retail store usually does. Even if the amounts are the same. Who determines when you need to sign, and when you don't?... |
|
 I can't pay some of my credit cards anymore starting next month, what can they do to me? |
| I have depleted my savings that has supplimented my meager 600 a month take home pay. I have payed my cards for years with no problems but my life turned around completely a year ago and I have been ... |
|
 When a creditor takes money from a bank account when the debt is already paid, how do you get that back? |
My husband had an outstanding credit card debt, that a creditor filed against our tax returns for, for the last several years.
A few months ago, a different collector bought the debt, and ... |
|
 Does anyone know of any companies in uk that give mobiloe phone contracts to people with bad credit?? |
Additional Details
Ummm why do people assume things? I need this for a purpose not to show off with my mates!... |
|
|  |
cherryblossoms | If i don't use my credit card, will they close the account.? |
i have a cc that i haven't used since i've received. i do plan to use it at some point, but i'm young, the cc line isn't alot, so when i use it, i want to be smart about it. I have had the card for quite a few months now, but haven't used it. will they close it after a certain amount of time. |
 |
 
SPIFIMAN1
|
They can, but most likely will not unless you let it go for over a year.
Just use it for some small every day thing that you would normally pay cash for, never exceed 30% of your credit limit in any given month and pay in full before the due date and you will be fine. |
|
nwobody
|
Doubtful, Credit Card companies are c**ts (pardon my french), if you don't use it they'll send you a letter in a year or so telling you that they value your custom and will increase the limit. They sit, wait and prey for the day you'll make a large purchase that you can't pay off in one month.
Saying that though, a healthy credit rating is good and will help you down the line (buying a house, car etc). The irony is that if you don't spend on your credit card (and then show you can pay it off), your credit rating doesn't really improve. |
|
muncie birder
 |
I have had one for about 10 years that I have never used. They have not cancelled it yet. I did call up and cancel another that I did not use. They begged me not to cancel it and even offered lower interest rates. Bizaar. |
|
oklatom
 |
No. They will keep sending you ads reminding you have it, offering lower interest rates if you use it, and checks you can "Use like cash and deposit in your checking account" though. |
|
Teri W
 |
I agree with Spifiman. |
|
Veritas et Aequitas ()
 |
They will not only not close the account, they will increase the limit and some will send you special offers, such as a credit to get you using it again. They do give you free money because they try and bank on the fact that you will start charging again. An idle card isn't making them money if it has a low balance or no balance. |
|
Sgt Big Red
|
NO. But beware and make sure that the account doesn't charge a yearly fee. If you simply throw out the statements and don't look at them just because you never used the card and don't see that there is a fee charge, then it will be posted as a late payment and it will lower your score.
I have had an account for over 14 years and never used it, but it's still on the report and shows paid as agreed. |
|
bud68
 |
Just make an occasional small purchase and immediately pay the bill in full when you receive it. That will help your credit record. |
|
sammy
|
Did you activate the cc? If not, they may freeze or cancel it for security. If you activated it and you just aren't using it, then it will stay open until you cancel it. |
|
heybulldog
|
If you want my opinion and im sure you do. I would call and cancel the card and not obsess with building credit.
Pay as you go and live on less than you make and you will have money.
Debt free is the way to be! |
|
curmudgeon
|
no |
|
z
|
no. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 37 minutes(s) ago
| | | |
11 | 49 minutes(s) ago
| | | |
11 | 52 minutes(s) ago
| | | |
10 | 3 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
8 | 8 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
11 | 4 day(s) ago
| | | |
11 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
