 Suggestions of credit cards to re-establish credit? |
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 How do I build good credit??? |
| And what credit cards are the easiest and best for a young college student to apply for ???... |
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 Question about what's right.... Here's my situation? |
| I bought a 4 wheeler, and a few months later I decided to sell it because it was just sitting in my garage. My in-laws asked my hubby if they could take over payments, and I said only if they make ... |
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| If someone has bad credit how do you repair it?... |
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 My little sister just ordered an all access visa debit card in my name. HELP ME?!? |
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 A way to check your bills online? |
| I have several bills and some of them I only get a statement thru the internet with different email addresses. Then when its too late, i get a phone call or a late mail statement. Is there a way ... |
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 Will canceling my credit card get me out of paying an annual fee? |
| I've just been hit with a $60 annual fee on a credit card (Chase Visa) that I no longer need and haven't used for months. If I cancel the card, will I still owe the $60, or will it be ... |
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 My car paying installment can i sell it? |
hello
my car paying installment, can i sell the car ?
Additional Details
can the car change to my partner name ? can the lender find ... |
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 Help! Should I use my savings for a down payment for a car or to pay off my credit card debt? |
My debt is $6200 and I have 7000 saved up. I am going to get a car regardless because mine is on its last leg.
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I neglected to say that I am in credit counselling. I ... |
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 Can I lower my interest on a bank loan? |
| I have a decent size loan out (about 13 G) from a bank. I see they are charging me a 10% interest rate when my credit score is over 750. That sounds like BS to me. Is is possible for them to lower ... |
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 How can I confirm that the job I got through E-Mail is scam or real? |
| I have got a job offer from Zenith Bank Plc London (UK) as senior Manager (Credit) at their London Branch. Please confirm what is avarage salary is being paid to senior Manager in Banking ... |
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 Whats a 1,000,000,000,000,000,000 times 1,000,000,000,000,000,000... |
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 Cosigned with fiance and she just left.. what are my options.. she is threatening not to pay? |
Signed an 8000 loan with fiance to pay for her last semester of school. We are splitting up and she is saying she wont pay for loan... what can i do?
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Yes I understand ... |
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 Does anyone know how to improve your credit score in a short time? |
| I need to refinance my house but my credit score is 525. I need it at 580 minimum to be able to refi with a good rate and get cash out. Does anyone know how to get a score up that much in a short ... |
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 I recieved a letter saying an award had been entered against me in the amountof several thousand dollars from? |
| a company I have never heard of with a company called National Arbitration Forum. Never received a notice to appear, but had received something months ago from this company saying they were going to ... |
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 Where can I apply for a Loan??? |
I would like to apply for a small loan (no more than £500).
Can anyone recommend good sources with a not so huge APR???
Thanks F... |
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Dork with Questions | My boyfriend is mad at me because I won't give him a credit card in my name? |
Ok, I have 4 credit cards that equal up to about 100 dollars a month in payments, because my credit limits are about 500 dollars each, with one exception being a 1,200 dollar one.
Well, I was just laid off, so he is paying my bills. We've been together for about 2 years. Most of the charges on my credit card are for him... Except groceries, and a laptop/printer I bought.
Now, he wants me to get a card in his name, because he has really really bad credit. I don't know why, because he makes quite a bit of money per year, about $90,000, but for some reason he has really, really bad credit...
Well, I told him no, because from his credit, I can tell he has done some really bad spending. He has one credit card, and the agency keeps calling, and he hangs up on them!! Wtf!
And he wants me to get a credit card for him in MY NAME?!
Well, he's mad at me, because I wont. He says since he pays my bills, he should get a card. I'm currently looking for work, so it's not like i'm being lazy!!
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My question is, what do I tell him, so he will stop being mad at me!
It seems like he doesn't live in the real world! |
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Diane B
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Don't do it that would be a big mistake -- huge mistake
Tell him to get his own credit card -- he made his mess and he should not expect you to ruin your credit for him.
Get out get a job and get rid of this loser -- he isn't worth it even at $95,000 a year!
There is nothing you can tell him that won't make him mad, but stick by your guns and say NO |
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Joan H
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Under no circumstances should you ever get a credit card in your name for anyone else. Just tell him, what part of No, doesn't he understand. |
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Gem
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Wow, he makes $90k a year and doesn't pay his bills?
Why doesn't he just cut a check and pay OFF your cards in full? Paying interest to the banks doesn't make much sense.
Protect yourself, if he runs the card up, then refuses to pay it would be your future ruined.
LOSER! |
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marrod1206
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Stick 2 ur guns girl, if he earns $90k a year, he shouldn't need a credit card.
Don't give in, your credit is important to you.
R U sure about his income? Maybe he is bullsh*tting. |
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jay m
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Business is Business
No need to get mad
He can get a SECURED CREDIT CARD. AND THEN BUILD HIS CREDIT |
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Panch411
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Dont get him a card. If he really loves you he would not ask you that also he is just your boyfrined not your husband. I did that same mistake and guess what? I have bad credit now and am suffering the consequences. Tell him sorry you took care of your credit and he didnt. If you plan to be with him for the rest of your life thats diffrent in the long run you may change your mind but I would not do that if I were you no matter how much he pressures you. |
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john w
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I wouldn't do it. I find it very strange that he makes that kind of money, yet still refuses to pay his debts, or work out some kind of payments with his creditors. You two aren't married, so guess who will be stuck if you two break up? And even if you stay together what if he stops making payments on this new card, once he runs it up, like he has in the past? Your credit will be ruined too. |
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B
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Trust you instinct here. It sounds like it spoke to you correctly. If he has not paid other accounts in a timely fashion, odds are that behavior will continue. Credit scores aren't perfect, but they tend to be general predictors of patterns. Good folks, strong earners, etc., can all get into credit trouble. Don't do it.
Credit takes a lifetime to build and protect. It only takes seconds to fall apart (actually about 90 days).
If you get a additional card from one of your accounts issued in his name as an additional user, it will not help his credit and could only hurt yours. If you get a new joint account (you and him as owners), you both can run up the balance and are each responsible for the entire balance. that means that regardless of who got to play on the plastic, you could be sent to collections for somebody else's behavior.
There's an old saying, save your money and someday it'll save you. Same goes for credit.
I've gotta ask ... If you are in between work (laid off, etc), why are you running up charges on the cards? This might be a short term band aid, but be very careful as this is how good folks get into trouble. |
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brooke b
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You should tell him that it is his choice to pay your bills and while you appreciate it the answer is no. Why? Because if he is late even one month with any payment whatsoever your credit score plummets and interest rates sore. If he makes 90k he should get a secured credit card in his name...spend half the balance and pay it off every month...that will rebuild his credit. Usually get these through a bank. Also, he can do a debt settlement program and settle his debts and rebuild the credit worthiness.
He has his own options at hand, sounds like you would just get approved for more. As long as your name is on the card and you buy things for him mostly, what does he care? |
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K.C.
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Well first off you're right in not getting a card ~ no matter how much he runs that guilt trip on you for not getting him one stick to your guns |
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Is this thing on?
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An old as the hills story.
What he's attempting is classic emotional manipulation. He has learned in the past if he gets mad and guilts you, you'll cave, most likely. Don't fall for it this time! Let him be mad all he wants. When someone offers to do something for you, it should not come with strings attached. If his condition for paying your bills is you helping him to ruin your credit (it's guaranteed, with his history, that he will) then don't let him pay your bills for you.
It's been my experience that the people who make more money know less how to handle it. If he's making as much money per year as you say, he has no excuse for bad debt, collections, bad credit. He's financial irresponsible.
He can be mad all he wants to, but if you kowtow to his emotions, he'll use the same tactics again and again.
In the end it's your decision. |
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2blessedby3
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Tell him to pay all your credit cards off, and that you'll add him to one, then monitor his spending/paying habits until he proves himself trustworthy. |
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