 Why is there a payment due on my Discover Card that I haven't used in a long time? |
| I haven't been using this card lately. I don't know why there's a payment due when i didn't even buy anything with the card.... |
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 So what can "they" do to me if I quit paying my credit cards in the state of Tx? |
do to the fact i can no longer afford to pay them.
Additional Details
not that i want to quit. I borrowed the money by using the credit card therefore i should pay it back. but things ... |
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 I am way over my head in credit card debt, like $24K. Is there hope for me for bankruptcy (see details)? |
| Because of medication that I'm required to take and have been on since 1999, since I have no medical insurance, I've had to continually throw the costs of meds on credit cards. I'm ... |
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 Statute of Limitations for student loans? |
| I have a student loan, part of it is provincal and the other is federal is there a statute of limitaions on these loans. They reported on my credit buera but have come off because it has been 7 ... |
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 Co-sign a car, will they check my credit and other things? |
| If i co-sign a car loan for my friend, will they check my credit (employment and all the stuff), and also do I need to provide all employment history and stuff?... |
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 Do Americans spend more money using credit cards or cash? |
| I heard that if you pay for everything with a credit card, you end up spending 12-18% more. Is that true? Please include sources if at all possible.... |
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 Credit cards???? |
| If you have a credit card and do not use it to purchase anything do you still get a mnthly statement looking for payment or anything?... |
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 I have applied for a loan but the company want me to pay a brokers fee first, I have come accross this before? |
| The company want me to send a cheque for £39.99 and they say the loan is provisional - anyone else come accross this and is it genuine or a rip off ?... |
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 I can't pay my bills for the first time ever. What will happen to me.? |
| I lost my job two months ago and have only found odd jobs since. Im in college full time and have a car payment, 5 credit cards (havent used any for 3 years), phone, rent. No parents to support or ... |
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 What is the best way to fight a collection agency? |
| I am disputing a bill with a collection agency. Even though I have informed them that the bill is incorrect 3 times, they still have reported me to the 3 credit bureaus as being late. What good is ... |
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 Im 17 years old and i was wondering what should i do to get GREAT credit ? i dont want bad credit. lol? |
| Plus i want to get a GOOD credit card when im 18 or older. but i dont know what i should do to start building the credit. i dont know how all of this works. ... |
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 How to get a loan with not so good credit? |
| I need a loan of 1000 dollars and I don't have good credit. Any suggestions on where I can get a loan from? No payday loans ... |
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 Is it cheaper for a merchant to process credit or debit? |
In general, which results in fewer fees for them, and what is the benefit either way for me?
Additional Details
My bank (credit union actually) does not charge a fee for card use, ... |
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unique | Im going to open a credit card acount to get my credit score up but I don't know any thing about the credit |
termonology and where can I learn about choosing a credit card that's right for me and not to expensive? |
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Thoughts Like Mine
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want to get you credit score up.
this isnt the way.
1. Go back to you credit report.
2. contact all of the derogatory creditors.
3. set up a payment plan.
4. pay them.
This is the quickest way to fix a bad credit score. |
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madkins007
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If your goal is building credit, a credit card will not help the way you want it to.
You would be better off taking out a small loan and repaying it, then doing it a couple more times. This can be a furniture purchase using a store account that you have the cash to pay in full, but use their store account for, etc.
Remember- the REAL REASON credit card companies are in business is to make money off you in fees, charges, and interest- especially interest! They will do whatever they can to get you hooked and using these dangerous things.
As a rule of thumb, credit cards HURT your credit a LOT easier than they build it. |
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Amanda H
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If you've never had one you likely have low or no credit. Go to www.whogavemecredit.com and look up the cards that had scores similar to yours.
You want:
NO 'activation fees"
No yearly/maintenance fees
LOW APR
An APR that doesnt' 'adjust' or 'vary'
That said, with little or no credit, you may have very few options-- choose a couple cards that work well with your scores, and apply. You could even get something like a target or macy's card.
After 6-12 months, negotiate for lower fees, apr, etc....if you've paid on time they may do this for you.
If you have a card that has a high APR but no fees, pay it off when you are able to get new/better cards, but dont CLOSE the account. You want to have all accoutns open 'long term' not to open and close accounts constantly-- and by 'long term' i mean 3-7+ years. |
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sharkinthewater
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If you are going to open a credit card account you should open an account with a low spending limit that you can pay off entirely and on time each month so you don't accrue interest. |
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Lianne
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You should look for a card with no annual free, unsecured with the lowest limit possible. Some cards have good introductory offers which you can take advantage of. To read more about credit check out http://creditwisdom.blogspot.com |
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Luckys Charm
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want to get you credit score up.
this is the way:
1. Go back to you credit report.
2. contact all of the derogatory creditors.
3. set up a payment plan.
4. pay them.
This is the quickest way to fix a bad credit score.
5 minutes ago - Report Abuse |
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Star
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Try reading posting all that information on here would be ridiculous! |
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Wendy Jean
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Lol, sorry had to laugh at Lucky copying Steven's answer.
The one guy was right ~ to build up your credit score you don't need or want a credit card. You need to borrow a small amount o of money $1,000 up to $3,000 (whichever you can do), pay that off early. Then do another one. A personal line of credit would be great for this as well. Talk to your banker; they should be able to help you decide which one will best suit you and your needs. Good Luck to you. |
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amihavasu6
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Go to this site http://allsolutionsnetwork.com/FH/FH54617 |
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personal_finance_101
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If you have never had any type of credit before, you will probably have to apply for a secured card. This is when you put some money into a savings account and then get a card with that as the limit. These typically go unsecured after 6-12 months of good payment.
The easiest thing to do is to approach your bank and ask them for a credit card. Just make sure that there are no annual fees. Interest rates don't matter because you aren't ever going to carry a balance - right?
If your bank does not issue credit cards, check out bankrate.com for a list of secured and regular cards. If you get denied, don't just keep applying, this will hurt your score and cause you to just keep getting denied. If you can't even get a secured card, you should have a friend/family member who has good credit add you to their account as an authorized user. That credit line would then report on your credit report giving your instant history.
Good luck! |
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supercreditguru
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Yes, I handle this all the time. See below |
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