 My parents paid off my credit card for me and now I'm recieving all these offers for credit cards in the mail |
| can someone explain how I can keep these from coming? Because I don't need any more credit cards and this is just a waste of paper for them and I'm a little uncomfortable about my personal ... |
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 I need help my brother need wants to join but he hasnt got a credit card yet he 18 but he does now want one? |
I need help my brother need wants to join but he hasnt got a credit card yet he 18 but he does now want one so what sould he do reply thanks
Additional Details
sorry i spelt loades of ... |
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 What is the difference between a bank and a credit union? |
| which one is more likely to aproove me for a personal loan?... |
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 Is this a good offer for a credit card? |
| Its a Mastercard from Capital One, the credit line is $300, 0% APR on purchases until May 2008 - 9.9% after that and a $59 annual fee. I have 1 other credit card, Visa from WaMu with a $500 credit ... |
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 Why should I care about the credit crunch? |
| If I didn't watch the news, I wouldn't even know about the 'credit crunch' or 'recession' - we even bought our first home this year! The only thing I've noticed ... |
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 I am unable to pay the personal loans that i have taken from banks? |
| what to do it is impossible for me to pay the bank loans which i have taken from diffrent banks .I have no property right now,but i want to pay the loans but i will be not able to pay the intrests is ... |
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 How in the world do you actually get a FREE credit report with out a credit card? I never had one.? |
So why cant i get approved for any thing? Not even a credit card they said that my credit is to bad. I havent even done anything to my credit to be bad.
Additional Details
Thank you all. ... |
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 What are some of the best credit cards for someone to start a credit history? |
| This person is a student and will graduate soon and wants a card so he can establish credit. Any ideas on a good one for someone who has never had credit?... |
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 My sister opened a credit card in her name and my mom's, ran up a lot of debt. Is my mom legally responsible? |
| One of my sister's opened a credit card account in her name and my mom's and ran-up a lot of debt, all without telling my mom. The account is now delinquent and in collections and the ... |
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 I received a letter stating that my account had been placed with a National Collection Agency? |
| This is a medical bill apparently. The first sencence says Your account has been placed witha NATIONAL COLLECTION AGENCY. Our client has not yet received full payment from lab work your physician ... |
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 Credit cards /No credit history? |
I would like to establish some credit history since i have none.
Is there a credit card that will except me with no prior credit history?
Additional Details
i see a limited credit ... |
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 Collection Agency Claims They Have a Warrant...? |
| I just got a phone call/message on my cell phone and my voice mail at work from a company called Delanor Kemper & Associates. They claim that a creditor that I dealt with almost 2 years ago is ... |
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 Money Question ? Help !!? |
| So i really need money but i cant get a big amount of money all the time i spend around $106 every month, do you think i should get an allowance for around $132 every month instead? but im such a ... |
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 Mother messed up my credit....? |
| I got my credit report and now I know why I haven't been able to get any credit. I'm 24 now and living on my own. When I was 18 my mother took out a phone and cable account in my name.M... |
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 Can a debt collector take a vehicle that has a lien on it? |
| I owe a small debt from a medical bill that's been turned over to collections, they are threatening to take my vehicle which is financed, it has a lien on it. Can they take it.... |
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 How to and where do u get a perpaid card? |
| I wan to buy a hockey stick online, but i need a credit card, im 16 and my mom doesnt want to use her card, even though i said ill pay for it. I found there is a something called a perpaid card and ... |
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 I CoSigned A Car Loan for my Fiancee And...? |
I co-signed for a car loan for my fiance and during the signing realized that his name is in the co-sign position on the loan docs while my name is the owner.
When I mentioned this to the loan ... |
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Judi K | Is it better to pay off my credit cards slowly or get a consolidation loan and pay off everything at once? |
I have the opportunity to get a $10,000 consolidation loan to pay off all my cards ($6,000) but I'm not sure that's a good idea. I would like to raise my credit score to make a major purchase. |
 |
 
Lady_D
 |
First and foremost, and I wish someone would have told you this a long time ago, never let your credit card debts get above half what you make in a month. If you have to let it get beyond half your monthly salary ask yourself if you really need it. If not then don't get it. I keep my debts below $600 at all times.
But since no one helped on this before it was too late then this is what I suggest. Do not get the loan...this will put you in debt all over again. You'll still owe the $6,000 but with lower payments through the loan it will take you longer to pay off. Instead...take the minimum due per month and multiply that by 2...this is your new payment. You will pay it off faster.OR...automatically give up half your paycheck. It's a sacrifice but you must get this paid off. Talk to someone about budgeting your money. There is software out there to help you with this.
And lastly...this major purchase you're itchin to have...is it something you want or is it a need? If it's a want I say banish the thought from your mind. If you need it get a loan from the bank for ONLY that purchase amount. |
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yarddogbiscut
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pay them off take the loan |
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Big Jimi
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If you can get the loan at a good rate and cut up those cards so you stop using them,that's the way to go! |
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ςЯץßąßץ ღ
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get a loan |
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Carl_the_Truth
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The longer you take, the more interest the bank makes. So do the math. My bank charges over 20% interest.... |
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pyxypower777
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The less credit out the better. Which has the lowest precentage? That's the way to go... but make sure you read all the fine print with both options. |
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sclay95843
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The loan is a better way to go as long as you don't start charging on your cards again. If you do that then you will have the loan to pay off and the cards both.
Good Luck! |
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smrtasfrnkln_06
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get a consolidation loan and pay off everything at once |
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starting over
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The consoladation loan is best, if you get rid of all of your credit cards and promise never to use them again.
Then take the extra 4K and pay down the consolodation loan
This is assuming that the loan has good rates. |
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ebizoutlook
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It all depends. I think the best way to make a decision is to educate yourself and get familiar with all the possible scenario. Two articles in my resource box might be helpful. Check it out and good luck! |
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Ayman
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I don`t like to be owned .. so raise your credit |
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Steve R
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You have to make sure that the loan has a lower interest rate than your credit cards. If it doesn't then pay off your credit cards, starting with the one that has the highest percentage of interest (APR). |
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Miss T.
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I'd do it slowly... well, not "slowly" slowly... but I wouldn't pay it off at once. It gives you more credit. |
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