 I just got my first checking/savings account...help? |
| Could someone explain to me whether or not I can buy things online with it? I got my account from Wamu...and I think I get the gist of it all, but I'm just concerned what exactly I can/can'... |
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 Can an 11 year old use their mothers credit card? |
| Hello, my 11 year old wants a credit card, and keeps asking if she can use my credit card, she's very responsible, so she won't screw up my credit, but still, can she use it?... |
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 Wage Garnishment help? |
Doesn't anyone know on how to stop wage garnishment..since my mother die I have been facing hard time... is there a law that protect me...or is to late what can I don't I feel so sad.
... |
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| I have less than perfect credit? |
| i made mistakes when i was younger getting a credit card at 18 with no job, now that i'm older have a good job and good income nobody trusts me with credit.......is there anywhere i can go or ... |
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 Cant afford payments of loan and credit card? |
| Ive got debt with a bank on my credit card and loan. But cant afford the repayments and my debt is less than £2000,is there any way that this debt could be written off by the bank?... |
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 I need an apt. I was denied 4 yrs ago with a 585 credit score in CA. Now it's 640. Will I have problems? ? |
| As I said above, I want an apt. I'm a teacher w/ ten years in the field. What are my chances of being approved in a decent area. I take home 3500/mo. and want something in the 1000+-200 range?... |
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| I am being harassed by debt collectors for a debt I do not owe - what can I do to stop this? |
| I have tried contacting the company direct but they are just ignoring my numerous telephone calls and letters!... |
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 I have a very bad credit and want to clear this mess? |
| I have a very bad credit and want to clear this mess, I have found many companies on the internet and all of them claim that they can clear my credit for a fee. Is there anyone who used this kind of ... |
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 Can anyone offer advice on debt problems? |
| My wife and I are 25 years old, we have over $50,000 in revolving debt, paying an average apr of 15%. We have decent credit as we pay our bills on time, but we are not able to get a loan because of ... |
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 Do debt consolidation loans bring down your credit score? |
| I'm wondering if debt consolidation loans bring down your credit score? Also are you required to close the credit cards you pay off with the consolidation line of credit?... |
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 Can I get a car loan if my job doesn't start for one month? |
| I am looking to get a car loan for about $30,000 and my job does not start for a month. I just finished grad school and have a letter of employment that states my start date and salary of $140,000. ... |
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 Can you help me settle a dispute about bad check writing...me and a friend are on different agreements here... |
| OK, I was wondering...if you have a bank account (checking) that is over drawn for a few weeks to a month and you cannot pay to get it back to positive...plan on lettin it close down and going on to ... |
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 This is a serious question about bankruptcy or trying to avoid creditors? |
| i had really good credit until a few years ago, i had all the major credit cards and i always paid my bills on time. but i was unemployed because of an injury for almost 6 months so i just lived off ... |
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 Anyone know a lot about credit? |
| Well here's a little bit about my credit history. I have once credit card I am in the process of paying off. I had verizon wireless and couldn't afford to pay my bill so it became a write ... |
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 Is it better to get my house loan or car loan first ? |
| okay im 17 but turn 18 in less than 30 days in the next couple of months i want to buy a house and a truck. the truck i want is $11,000 and my house is $40,000 i really want to get my truck but i ... |
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 Hi im 25 with defaults and bad credit history and looking for an immediate loan of $2000. can anyone help me? |
| it needs to be fast approved and fast. im really desperate and need to find ways of getting this money by the end of the ... |
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rancid831 | Is it best to pay a credit card bill early or on time? |
to establish a decent credit..my next bill isnt due till sept 12th, what is better? to pay earlier then that date or on time. thanks |
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jamesPurple
 |
No difference.
I see it as a 30 days interest-free loan.
So pay your bill a few days in advance. |
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KL
 |
Doesn't matter. The only thing that affects your credit is if you pay it on time and what the balance is compared to the limit. It doesn't show on reports if you make your payments early. |
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cynthetiq
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Pay it early. I've gone online and paid on the due date and then the credit card company didn't post the payment for 2 more days and added a late charge to my next bill.
sneaky bastards! |
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Ricardo C
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As long as you pay on time it doesn't matter... |
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Amanda H
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Don't pay it TOO early. As long as it is after the statement prints, its fine. I have a CC that is due the 5th of each month. I paid the August 5th payment on July 11th-- the same day that the statement/bill printed and they credited it as a July payment so I had to pay the August payment again! They removed the late fee but they were calling like I hadn't paid even tho I paid EARLY!
So wait til you get the bill/statement and then you can send it right awya. Never wait til the last week becuase they can take a few days to post and then they charge a fee. |
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bianca
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every credit card report to the credit agencies your activities .
if you pay them before due date, the same month they will report your credit card with smaller balance. if you pay them on time ,you missing one month- smaller balance always help your credit score. |
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ah92us
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Most of the time, it's okay if you pay it on time. There shouldn't be any penalty if you pay it on time because the website usually should log what time you paid the bill. However, sometimes it's better to pay it earlier so you don't forget, be delayed in paying it because of some accident, or etc. Then you're in trouble, but if nothing goes wrong, it's perfectly okay if you pay just on that day. |
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Tonya in TX - Duck
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Pay it early. You don't rack up as much interest. Paying off and keeping your credit card paid off is always good financial sense. It may not seem that you are building much credit, but you are. I worked at a bank and saw all the loan documents the bank produced for almost two years. One that really stands out in my mind is one that the person wanting a loan (as I recall quite a large loan), really didn't have any debt, but had a couple of credit cards. The loan officer said something like "as you can see she doesn't have much of a history of credit, however, in looking at her credit history you can see that for the past 3 years(not sure it was 3 years, but a short time) she has used her credit and paid off each credit/department store card in full each month." She got the loan and at a good interest rate too. That has always stuck with me. This person didn't have just a whole lot of money coming in, but because she used her credit responsibly she was able to get the loan she wanted. The bank saw her as a good credit risk, despite the fact she didn't have a big credit history. |
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jannie
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makes no difference
it doesn't really show on your rating unless it's paid late |
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Smart Kitty
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as long as you pay it on time, you are fine. Best to be early |
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mdel
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either one...just don't pay late! |
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