 Is it better to get one loan for 11% interest or have two credit cards at 9% interest? |
I'm asking because I want to get a loan and consolidate two headache credit cards with two terrible customer service banks and wanted to know which is the better money saver
Additional D... |
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 What will happen if I file bankruptcy? |
| I've been thiniking about it. how would it work I have about 3,500.00 in debt that I would like to eliminate also I keep getting turned down for credit and I have been trying to repair my ... |
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 If you were a minor (15-17) and lied to obtain credit, can you dispute it and get it removed from your report? |
| Ok...I must admit. I was young and dumb. I received a credit card when I was 15 very easily over the phone by lying about my age. They even called me! Og course, knowing nothing about credit I ... |
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 What happens when you go bankrupt ? |
| Iam a 22 year old student and I have too many student loans and Iam thinking about going bankrupt, so I dont have to pay them.... |
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 Can things be removed from your credit history? |
| I paid off a bill that was in collections. He told me if I sent him an additional $25.00 he can have it removed from my credit report. Is that possible?... |
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 I want a collections notice removed from my Equifax Credit Report.? |
| I was denied employment in a major canadian bank due to a collection notice on my credit report. Can i get assisitance in gettin this negative report from my credit report so i can get the job. I ... |
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 What happens if I dont pay back my credit card? |
| I haven't paid on my credit card for over 7 months. At first I owed $6,900 USD & now they say I owe $9,000 USD & I just owe it on one card & that is American Express. I explained to ... |
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 I paid off my debt, should I cancel my credit card? |
ok I paid my last cc bill. I don't have any debt anymore. Should I cancel my cc? A few points:
-I've had it since 2005
-my limit is $300
-I need to improve my credit ... |
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 So this Emerson Financial Group IS a Scam??? My husband wants to go ahead with a loan from them, TODAY??!!? |
| They asked us to moneygram them $911 and they in return would deposit $5000 tomorrow. We asked how the intrest rate was so low and he said the loan was funded by private investors? He said the 6 ... |
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 Can the engish gov. help me out? |
| my name is ernest aho and I am the great grand son of sir frances Drake. My mothers maiden name is Drake and she is the great grand daughter of sir Francis Drake, and I am in finacial blockade. I ... |
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 What happens when you have a deliquent credit card and the attorneys are calling you? |
| I am deliquent on 7 cards but only one has been harassing me since it was 2 days late. The others have just kept adding it to my bill each month. This card company called me 8 or 10 times a day ... |
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 Are there any alternatives to bankruptsy? |
| I have student loans from college and several other debts that my parents helped me acquire before I was 18 and its been very hard for me to save money and pay my bills at the same time. My #1 ... |
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 Turned Down by Capital One Auto Finance. Can't figure out why.? |
| I was turned down by Capital One Auto Finance and can't seem to figure out why. We've had 2 auto loans thru them and paid on time everytime. We have one that is current, the other was ... |
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 My credit score is 511 and i need a loan don't know where to go? |
| i am a mother of two and lost my job i am working now doing child care but i need a loan my credit score is 511... |
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ColaC | Ive never had a credit card. I have no credit, what do I do? |
Ive never had a credit card. I have no credit what so ever and need some fast what do I do?
Additional Details
And I am over 18 |
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bull_rooster_aardvark
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If you don't have bad credit (just no credit) then the credit card companies would loe to give you one (you it wisely and conservatively - its easy to run up huge debts that you can't pay on one of these). Just call teh bank of your croice and ask for one.
You may want to search around first for the best deals on cahs back. For my money I'd just get any deal that gives you 1% or more back on all your purchases - and gives you cash, not rewards to buy gas or whatever. Chase (and many others) has a good card for this. |
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tvgilbert
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Probably going to your local electronics store and applying there would be a start. Don't listen to the people who say "good you should never have any" that is just stupid and ignorant. Having a credit card allows you to do many things such as rent cars, flexibility in an emergancy. Just because you have them does not mean you need to use them. Having no credit rating sucks. When you want to buy a house in the future, it will be next to impossible. If you ever buy a car and need to finance it, your interest rate will be way up there.
You can also try a savings account backed card if you are have a problem getting anyone to just give you an unsecure card. This type of card is good for a start and usually after a while you will be able to get an unsecured card rather quickly. Just remember to make AT LEAST your minimum payments EACH AND EVERY MONTH. |
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TaxMaven
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Be grateful that you haven't gone into debt yet. I have been in debt & it totally sucks. I can now honestly say that I see absolutely NO NEED to ever have credit again. I look forward to paying off my last few debts from my stupider days & having no credit rating at all again. Get a copy of the book below & at least read & consider it before you go get a stupid credit card. The best time to read it is BEFORE you start digging a hole for yourself. If you still decide to get a credit card (or any other debt instrument), at least I can say, "I told you so," later. JK, but not much. |
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Justin C
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If the company to whose credit card you have applied, charges you a very high interest rate, avoid it. When you apply for secured credit cards, you'll find some companies will charge you an annual fee. It is ok in certain cases. An annual fee not exceeding $60 is acceptable. But don’t pay over $60 in annual fees for a secured credit card. |
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dolly blaine
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While availing a credit card, it is necessary to check the credit card rate. This rate plays an inevitable part, as based on this rate your payment amount is decided. Various credit cards are available with different rate. Every time, consumers try to choose a credit card at a lower interest rare.
Most of the time, it is seen that while choosing a credit card, people generally check whether the rate is low or not. But a low rate cannot be the only consideration in availing a credit card. Besides rate, a consumer should heed in other factors as well. Remember, though various credit card companies entice consumers with low interest rates; at the same time, they include various hidden costs and charges with a credit card as well. So, do not only verify the interest rate, but also consider other things while availing a credit card.
Many a time, credit card companies offer low rate for a specific period of time. Such low rates are considered as an introductory offer of various companies. In such cases, check how long the offer will last. After the period is over, verify what the interest rate will be, whether it will be affordable for you or not etc. Check out alist of popular low apr credit card list at: http://www.credit-card-gallery.com/0_Intro_APR.html |
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Truth
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Why would you want a credit card? Why would you want to be in debt in order to get cash? The only way to get cash is earn it, don't borrow it. 83% of Americans are in debt over their head, and it all started out like this. NEVER BORROW MONEY.
IF YOU CANT AFFORD IT, DON'T BUY IT.
NEVER, EVER TAKE ADVICE FROM BROKE PEOPLE. WHY WORK 40 HOURS A WEEK JUST TO PAY THE BANK FOR MONEY YOU BORROWED. |
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jemmy t
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To start your search, it is better to go to general credit card websites that have an option of searching through various credit card deals. Here you have a golden chance of finding a 0% credit card deal that matches your requirements. Look carefully at the fact whether the selected credit card is 0% or not, but also find out the duration of this 0% period, whether the 0% covers purchases, balance transfers or both, and the rate of interest applicable once the 0% period is over. |
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devi p
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Apply for it in bank |
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BumbleToe
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turn 18 |
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ThatGuy!
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You can get credit.
Try this site, you don't need credit to get credit.
http://www.thecreditcardtorebuildcredit.com/categories/bad_credit_credit_cards |
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