 Does paying off a car loan early save on interest? |
| I just took out a car loan that seems to be a mistake. (At an interest rate of 19.58% on a 12,777 laon) Since i have no knowledge about finances i first wanted to know if this was a bad decision. ... |
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 18 years old, where can I apply for a credit card? |
| It seems that everything on the internet revolves around having a credit card. Even "all-age" video games with online subscriptions. Ironic there. It's just that I don't have a ... |
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 Could you go to jail for not paying a credit card bill? |
im like $1000 in debt, im still going to school so its difficult for me to work and actually pay my debt.
i got a phonecall from a creepy guy this morning talking about a lawsuit or ... |
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 Credit card question...need advice from experienced adults!? |
| I signed up for a Circuit City Chase Mastercard to purchase a laptop about 6 months ago and go 0% interest for a year. I just paid it all off and now want to cancel my credit card. Do I just cut it ... |
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 Does me and my husband need a will? |
We are in our late 20s homeowners but (unforunatley)not very rich. We have children,and live in N,Ireland.
Additional Details
PISH (sorry I mean) PHISH, You have to remember it is 1am ... |
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 Immigration? |
| We are going from Belfast to toronto C... |
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 When paying my creditcard bill how much do i actually pay back? |
i am trying to build my credit and i just receved my first credit card bill! th ammount i need to pay back is $52 but it says the minamum is $10 so which do i pay back?
i am trying to ... |
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 Paying off old debt.? |
I have about $1500 of bad debt right now, ( a couple of cell phone bills and credit card bills )
These are so old that all ( 5 ) creditors are willing to settle with me right now for about half ... |
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| Can your employer terminate you if you file for bankruptcy or possibly debt settlement? Negative to organ? |
| Am considering debt settlement but afraid that the banking instituion I work for will view it negatively if known with the bad effect it will have on my credit for the next 2-3 years until complete. ... |
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 Is it too late for...? |
Internet shopping? I just got my card, and I would like to buy 2 books from the Internet, and I would like them to be delivered till Christmas... Is it possible?
Thank you. xx
A... |
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 I signed a car loan for my brother. How long do I have to wait to remove my name? |
| My brother have no credit and I signed a car loan for him. I'm the main owner and he is the co-signer. I always paid my loan on time and my credit score is above 800. How long do I have to ... |
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 Where can I find a free credit report without having to pay to join? |
| Where can I find a free credit report without having to pay to join? Do you know of any site I can go to where I can just fill out my info and not have to pay anything??? please help me, ... |
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 Is 24% APR to high? |
| is having an APR of 24% good while you dont have good credit to get a ... |
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 Is anyone actually bothered about the credit crunch? |
all in the media it seems people are running into their houses, absolutley terrified the economy is going to get them...
...however no-one i've ever met actually seems bothered. i ... |
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 Never can get a credit card? |
| Don't answer if you don't actually know the answer, because I read some of the other peoples questions/answers on here and it seems to be that some answers to the same question are ... |
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neurotic41 | Is it possible to live happily ever after without a credit card? |
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Susana C
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Yes, I don't have one and I sleep quietly, without debts !!!!
And remember the best things in life are FREE |
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Zenas Walter
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Yep ... lost the privelage do to my own stupidity, and have had to find ways to fall back on to pay bills and buy things over the internet ... why pay someone for your money ... its yours ... keep it :) |
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want2help
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With the advent of debit cards, the credit cards sole purpose is to allow you to spend cash you do not have. While this can be useful, you are much more likely to live happily ever after WITHOUT a credit card than with one. |
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jlrgds
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yep. |
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Amanda H
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Yes-- but it does effect your credit-- negatively. It sucks, but they expect you to have debt-- or access to debt-- to build your score. Think about opening a card but never using it...even that will help.
If you have a home loan, car loan, and maybe some other stuff...that might be enough in place of a CC. But you NEED something on your report or you wont get a score or a good score. |
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vancie121
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If you can manage your finances then you don't need a credit card. If you can't then you should have a card anyway. They give people a false sense of money. Your better off working it out so that you don't have to have one. Work hard and pay for things with the money you have now instead of the money you haven't gotten yet. |
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emucompboy
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Yes, it is, and I lived a lot of years that way.
But I find having one to be very very convenient -- I don't have to go to the counter at the gas station; I can just use my credit card in the machine.
Since I'm not writing checks, I don't get them back. LOL.
I use my credit card to pay my bills online. More convenience without a trip to the post office.
Then, I pay my credit card bill online from my bank account! Life is good.
This year, I will write only two checks (both for auto insurance). My credit card just gets handier and handier.
Be happy as you see fit -- and, if you do ever get a credit card, make absolutely sure to pay the bill completely every month before the due date! |
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Yvonne D
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Yes, it is very possible. We decided several years ago to get out of credit card debt and we paid everything off. We have not had a credit card since. It is really nice to know that when we need something we pay cash for it and we owe no one. I have also rented a car. I went to the agency here in my town told them what I wanted and paid for it up front. Then picked it up in the city we flew too. Same with hotels. We have been so much happier without credit cards, no high interest fees, no worry about paying something off. I would suggest it for anyone! When we travel, we also get travlers checks from our bank. They are accepted everywhere. Try it! You'll like it!! |
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prettyinpink212
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oh yah!i dont have one and i'm as happy as can be!if u dont have one, ya dont need one |
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Speed S
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sure if you have a lot of cash |
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