 How can I...(credit card/debit card question) |
| How can I resive instant payments on my debit card, for someone else credit or debit card for my online bizz without pay pal?... |
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 Morrisons Receipt...? |
| Hi I stayed at a hotel last night, and I accidently left a till receipt in the hotel room & checked out. The room wasnt booked in my name. The receipt had my card number as I made some ... |
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 Why do people charge up more credit card debit than they can pay? |
Not people who get in a bind and have to use credit to survive for a while, but people who just buy material stuff that they really don't need.
Additional Details
I don't do ... |
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 Does credit denial cause your score to drop? |
| I was needing to know if you apply for a credit card and you're denined, does that make your credit score drop. And if it does how many points will it drop?... |
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 How does a 28yr old with no credit history start establishing a credit history. Applied for 2 cards & denied!? |
| Applied for two low end cards and was denied. Will someone give me a chance? Don't really want to get a "secured" card.... |
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 I have a lot of credit card debt close to $50000 from my business. What are some ways to clean this up? |
| My business is still in the growth stage but we have racked up debt close to $50000 that is sitting on my personal credit cards. Should I transfer that debt to a large credit line under my company ... |
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 What might this do to my credit score? |
| I have a card that is paid off and compared to my other cards, it's limit pales in comparison. I want to close it. However it is one of two oldest accounts. The oldest account has a limit 4X ... |
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 Discover Credit Card? |
What are some of the benefits of having a Discover card?
Anyone have any experience having one?
PROS/ CONS?
... |
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 Credit Report Question? |
How long does the following information needs to stay on the report?
* Accounts that are paid for as agreed
* Charge off ... |
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 How old do you have to be to have a credit card? |
the title is self explanatory
Additional Details
can my mom get me one?... |
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 Visa Mastercard....or any credit card? |
If I buy some shoes and they dont accept paypal but only major credit cards.......where will the payment be deposited??
Will it be deposited into their checking account or something?... |
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 Credit Card Fraud question.? |
| My child's father used our son's soc sec number to get a credit card. Who should I tell & what will happen to my son's father?... |
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 If you pay collections off that are on your credit report, does that help any??? |
| I know it will stay on your credit report as a paid collection, but does it help any??? Your score??... |
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 Should I transfer my college debt to 0% credit cards? |
| My wife has about $28000 in school loans. Should I transfer this to credit cards, two in her name and two in mine, with 0% interest and keep flipping credit cards every year to maintain the 0%?... |
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 Debit card question ...? |
| I just got a new credit card in the mail(haven't had one before) to start building up credit. I read an article in Men's Health that recommended ditching the debit card and only having a ... |
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 Credit score question? |
| I just paid off the balance on my credit card. I just want to know how it will affect my credit score if I go ahead and cancel my credit card account. Some people have told me it's better to ... |
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OV | Is it better or worse to apply for a car loan with a co-signer? |
I am about to apply for a car loan via the Internet, and even though my credit is not so good, my cash is! So anyhow I was wondering if applying with a cosigner has a more positive affect than negative, in other words will it ruin my chances of obtaining the loan or make them a little better? |
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SPIFIMAN1
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Now to actually answer your question, auto finance is what I do for a living and using a co-signer makes sense in three cases.
First if your credit is bad, you need a good co-signer to get approved for the loan.
Second would be if your income is not enough to qualify for the payment.
Third would be if you had a open auto loan on your report that you were not trading in and needed the co-signer to qualify for another open auto.
Either way, you both get the exact same credit for the loan. When someone looks at your credit in the future all they will see is either a "J" for joint or a "C" for co-sign. No one will know who is the primary and who is the secondary signer.
If the loan is paid as agreed, you both gain from it. If it's not, you both lose from it. |
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Just_One_Man's_Opinion
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It is NO BETTER for you and WAY, WAY, WAY worse for the other person. Do NOT do that to ANYONE! Here is a ranking on the best ways to buy a car:
1. Pay cash
2. Borrow money at the LOWEST interest rate available
3. Borrow money through the dealership at whatever interest rate they give you
4. Borrow the money with a co-signer
Edit:
REinfo says that the co-signer may get you a better interest rate. At that point, you in effect are not even borrowing the money. They are looking to your co-signer's credit score to set the rate, etc. Be a grown up and don't buy the car until you can afford it EITHER with your own cash or your own credit |
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REinfo
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Usually if they have better credit it will help you. But then they are tied in to the loan. |
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john_crazy_martin
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Before applying for the car loan visit http://loan.sjdinfotech.com for more useful tips |
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