 What is the best way to go about paying off my credit cards? |
| I have several credit cards all maxed out. I cannot transfer anything over to another card because of my low credit score and can't get a credit card company to do that. I feel as if I have ... |
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 No credit card and never will have one.? |
| I've got great credit and have had several credit card offers and reject them all. Do you think it wise not to have one? I have saved tons of $$$ from interest by not having one. What do ... |
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 I have a debt collector calling my parents house asking for me... Anything I can do? |
My poor mother now knows i'm in serious debt and I feel terrible. Heheheh but it is kind of funny for some reason. Thanks for any answers.
Additional Details
Ah, my YA friends, if I ... |
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 How do I cancel a credit card that still has a balance? |
| I have a credit card from my bank but i really dont use it but it has a balance on it can i still cancel it and just pay it off and if so will that hurt my ... |
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 Will I lose my house? |
| If I file for bankruptcy will I lose my house?... |
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 What does "account charged off" mean on a credit report? |
| I finally got a friend of mine to take a look at her credit report since she doens't pay any of her credit card bills and hasn't for awhile. We got her report and there are some things we ... |
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 Is it better to file bankuruptcy or try to work with creditors to pay off debt? |
| my husband and i have bad credit. his are from schol loans and credit cards. mine are medical bills. his credit is in the high 400s and mine is low 500s. what is the best option or what options do i ... |
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 Do Target or Wal Mart credit cards show up on your credit report? |
| They can only be used within those stores can't they? Isn't it like a gift card with interest?... |
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 Can major credit cards do anything to you if you stop paying? |
| If say you have major debt, 30 plus grand and so, can they do anything else other than give you bad credit and harass you? Can they take your house? If so after how long will they attempt this? What ... |
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 OMG my APR is ridiculous!? |
| So, I have an acct with WAMU (Washington Mutual) and made 1 late payment a month or 2 ago. Since I have online billing, and no paper statements (and they don't offer APR online)... I called to ... |
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 What is your favorite thing to do with those annoying credit card offers that you get in the mail? |
| I like to tear up everything in the envelope and put all the other junk mail I recieved that day in the post-paid envelope and mail it back to them, believe or not they eventuality quit mailing them.... |
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 How can i get rid of student loans? |
| I dont necessarily want to get rid of them but i went to school and ended up not finishing now i owe quite a bit in student loans, i cant afford to pay 3 or 400 a month to start paying them off and ... |
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 I have about $6K in credit card debt. I was thinkin of gettin a personal loan to pay off the cards, good idea? |
| I am a 25 yr old male with a good job. I am not having trouble paying for the two cards I own, however I am thinking that the rate on my personal loan would be significantly lower than my two credit ... |
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 How can i get a loan? |
| i am kinda in a bind here. i need at least $ 7,000. i dont have any colaterial. how can i get a loan? should i just go get a credit card? i have a good job and i belive in paying off all my depths so ... |
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 How does a credit card work? |
| Im 18 and thinking about getting a credit card. I do have a job and such. Is it a good idea? I was going to get a car for around $3000. Should I use a credit card? How does it work?... |
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 What will look better on your credit report...? |
Hello all,
Here's the situation:
Several credit cards are late and now in collections.
Creditors have been calling for months now.
Currently credit report has ... |
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 Can a 18 year old wtih no credit get a auto loan? |
| I'm turning 18 soon and I want/need a car, I have a job but I dont have enough money saved up for a car I want. Is it possible for me to take out an auto loan for like 10 g's? No one will ... |
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♥Jara-Lee♥ | Loan or Cash/Payday Advance?? |
Which is better, to get a loan or one of those Payday Advances? I only need about $200, but I only make about $100 a week, so I would need a couple of weeks to pay it off...what is the difference between a loan and a payday advance? Thanks in advance!
Additional Details
I am having some financial trouble, I am not purchasing anything right now...I am slowly going in debt and I am only 19...I am trying to get out of these debts fast! Thanks |
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jbelkin800
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Avoid those payday advance places, they charge interest that would make the mob blush ... when you say a loan? you mean from someone you know? $200 is too small amount to get a loan from most places ... if you have a credit card, you can advance yourself money via paypal - when they ask the reason at PAYPAL, do not click on CASH ADVANCE - that rings a bell with the credit card comapny - just say you're paying off a non ebay auction (ebay owns paypal). |
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idgaf
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don't get a payday loan.. chances are with your low income that they won't approve you anyway..
try to just pay off the debts as you get the money or borrow it from family, but at all costs - avoid the payday loans!! trust me!! |
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david
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Well Check N Go, or Check into cash are good places to use. I recommend CHeck N GO. You borrow 255 dolars but have to pay 300 2 weeks later. I think you should have both of your moms help you out. |
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Ryan H
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For that amount apply for a credit card. Payday advance will charge an outrageous fee (interest). You won't be able to get a traditional loan for that amount. Most credit card offers have a period of zero interest, for first timers it is usually 3-6 months. That would give you adequate time to pay off the $200. The difference between a payday advance and a loan is that for a loan they review credit and you ability to repay the debt, whereas a payday adavance they just charge you something like $15-$30 per 100 dollars borrowed up front without doing a credit check. |
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sophieb
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Depends...where would you plan to get a loan? Most loans are for huge amounts and are backed by a mortgage; I don't know where you would get a small loan, but I suspect that that's why payday advance companies were set up. If you need that small amount perhaps you can stall your purchase for a while till you can pay for the item. People use payday advance because it's convenient but the interest rate is huge and is made huge and difficult to repay by the company doing the loans so people will keep paying and paying. |
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See Saw
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A payday loan is one of the easiest loans to get. There is hardly anything required to be approved for it. Most of the times, you just have to prove you are above 18 years, have resided in your current place for the last 6 months, hold a checking account, and earn more than $1,000/$1,500 each month. |
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KitKat
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Payday advance is a rip off & charge like a 300% interest rate stay away from them. You'll never get out of debt |
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ftwsebftg
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be sure with either, its a low interest loan. some companies can charge up to 300% monthly on your loan. |
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kathmrc
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loans and payday advances charge high interest and can take a long time to pay off. My friend she goes to the check cashing places but she always pays them off on the 1stor 3rd her husband gets 3 big checks from Veterans disabilty he's 100% disabled as a result of being exposed to Agent Orange in Vietnam. |
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npwinder
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Loans are harder to get but yet cheaper. They are usually more for long term payments. however I don't see why a bank would not give you one if you qualified. apr's depend on credit. but are usually less then 20%
Payday advances you usually just need a checking account. You give them a signed, post dated check and then on payday you deposit your pay check and they cash the check.
The interest rates on a payday advance are outragous upto a 200% apr.
Personally I would stay as far away from a payday advance as possible. Many states are beggining to question on if they should be more regulated and they usually just make even bigger financial problems.
If its something that could be paid of quickly I would probably put it on a credit card. Intrest will be higher if you only pay minimum balance every month However, It will be lots cheaper then a payday advance. However, if you can have it paid off by the the due date on your billing statement there is no charge. |
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