 Free Credit Report? |
| I keep seeing the commercial on TV about freecreditreport.com, but then it asks for your credit card number for some kind of charge. How is that "FREE?" I will not give them my CC number ... |
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 How did someone get my credit card account number? |
| my credit card number has been used by someone. How do people get these? I have never ordered any thing online with this card, in fact I rarely use it.... |
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 I need a personal loan of $5000. My credit is bad. Don't want anything from overseas. Any ideas for me? |
Any type of loan will help. If needed, I can pay it back in a year. I just need the money for school and to fix my car. Like I said, I don't want anything from overseas.
Additional D... |
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 When approved for a credit card are you supposed to send in a payment for the card? |
they sent the letter stated i was approved and to send 34 dollars for the card to be sent to me...just making sure im supposed to
Additional Details
the bank is bank of ... |
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 Can a prepaid credit card help reestablish my credit? |
| I have paid off all my depts. What are some good ways to build up my credit again. My credit score is 576. I don't want to apply for loans because i am afraid of inquiries bringing my score down.... |
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 Credit card question!? |
| I applied for a credit card on the 4th of September, and the invitation said pre-approved. On the seventeenth I got a letter in the mail saying that my application had been approved and I would be ... |
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 Debit Card Disaster!,... HEEEEEEELP!? |
| ok, Here's the thing. While on vaccation My husband bought a ticket with is Visa Debit Card. The clerk made a mistake with the flightplan and told us she would cancel right away. Then she ... |
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 50 Point FICO score drop? |
| I just checked my FICO score (I am provided my score every month from my credit card company) and it dropped 50 points in one month. I haven't opened any new accounts, missed any payments or ... |
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 If I payed at least $5 on the two credit cards I have in collections would it help or hurt the card? |
| I have two credit cards in collections that I am trying SO hard to pay off. I want no debt! A lady suggested that even if I pay $5 it's still a payment, and they can't do anything more. Is ... |
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 How do I find out who to pay when I'm trying to pay off my debt? |
| I have a few accounts that are currently in collections that range from store cards, credit cards, and bills....but since they're now in collections, how am I supposed to know who I submit ... |
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 Spouse cosigned for bro. said no more than $500 now debt is over $5000. what can we do? bro wont pay? |
| we did not know brother had gone over limit we verbally agreed to. we have tried being nice. he wont pay. husbands credit is going down fast. can we sue? what do we do?... |
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 My credit card was lost, can it be traced to whoever made charges on it? |
| the charge was made for a catalog order so i know it was sent to someones ... |
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 Can you help me understand credit? |
| I tried to apply for a credit account with Apple, and they didnt approve me... i dont understand... how can they check my credit, when I have no credit... and I need to build my credit up... im so ... |
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elaine d | Is it legal for credit card companies to increase interest to 34.9%? |
queried why payments were increased and was told interest rate was increased by 10%. |
 |
 
fooles.troupe
|
If you are in the USA, Yes.
Read the fine print - it's all in there. You must have missed a payment - or maybe they delayed posting a credit so that you 'missed'. In other countries such behaviour can be illegal.
You run the very real risk of never paying off your card with all this going on.
Looks like it's time to change cards. |
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torrie
 |
Others keep saying change cards and go 0% interest and my bet is that the increase is do to poor credit habits and if that is ture then you will not get a nice card with reasonable rates.
If one pays off the bill every month then the rate is not all that important.
When you called and they said the interest rate increased then why did you not follow up with, WHY? |
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wendyek
|
When you applied for the Credit Card you may have been given a lower interest rate as a special opening offer.
34.9% seems very high, there are plenty of other Credit Cards with special offers transfer your balance to a card offering 0%. |
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Big Bad Boris Mayor of London
|
read their small print |
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CountTheDays
|
When you enter a credit arrangement you should be aware of the terms under which changes can be made. Yes. A credit card company can change the interest rate charged and it will tell you this in the terms and conditions. |
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DrIG
|
Yes as long as that is in the instructions that you received or they send you mail noting changes. it happens when you are late on bills even though it may not be with your own credit card company. |
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Smokin' Gun
 |
Yes. By using their card you have agree to their terms and conditions so in theory they can do as they please
Very often you start on a low rate, and then it's increased.
That is a huge amounge to go up to but it is probably in the small print somewhere. |
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Prenn
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Yes, that is the default rate. As much as we don't like higher interest rate, depends on the credit card company, if you're late twice in the 12 months billing cycle, they can raise the rate to a default rate usually 32.24%.
Read their terms and conditions. |
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Suednim
|
Yes they can, but they dont raise it that high without reason, usually a rate that high is due to default by the customer, such as....
late payment, (it only takes 1)
or going over you spending limit |
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