 Will the police be involved in a cash card fraudulent transaction ? |
| my friend has foolishly intercepted another friends cashcard when it was posted to their house, she has gone into the bank and withdrawn money on this card, will the police be involved and will my ... |
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 Help what do i do collection agency atty frederick j hanna & associate took out $780 on my bank? |
| I talked to the associate and made a deal with them to have it taken out on the 21st of dec.not on this payday.I even ask for sure if they will really take it out on the 21st of december,and they ... |
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 How does paypal work? |
I never used ebay before...gasp.
yeah so i was wondering if you have to pay with paypal or if you can just charge it to your credit card.
how does paypal work exactly? is it ... |
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 Has anyone claimed for their bank charges back? |
| obviously someone has, just wondered how long they took to do it, Abbey are stalling with me and causing me all kinds of problems in life *sigh*... |
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 How to pay my hsbc visa card bills while am in overseas? |
| I have a HSBC credit card from singapore and am currently stationed in Thailand for few months. How can I pay my HSBC credit card payment from here.... |
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 Can you ask credit Card Card companys to defer a payment for one month? |
Can you ask credit Card Card companys to defer a payment for one month? Or a Car payment?
My husband lost his job awhile back, he is having trouble finding a job and we have had several ... |
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 Credit Repair.? |
| What is the real skinny on Credit Repair. Seems it costs quite alot. Is it honest and worth it. Can someone shed some light on this for me. Can't I do it myself and save the dollars and where do ... |
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 Why do credit reporting agencies make it so difficult to clear your credit? |
| judgement placed against credit, judgement was paid I have the paperwork but trying to find out about sending it to transunion, experian etc is a royal pain.... |
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 Credit card question people? |
| so if im 17 and get a credit card will they take out money every month?... |
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 Credit Score is 619, Cant get approved for a car loan? |
I know my score isnt that great, but I dont think its that bad. I have tried to get approved several times, and keep getting denied.
I pay all my bills on time, I have no defaults on my credit ... |
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 I deposited a check today that and now feel as if it may be a phony.what can i expect? ? |
| i recieved a check for a car i have for sale online and have now read up on this and believe i may be a victim after i have deposited it. I should have payed closer attention and investigated it ... |
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 How to remove old negative account from my credit? |
| me and my husband are trying to buy a house but his credit is showing allot of old negative things like his bankruptcy that was discharged 4 years ago and old medical bills. what can we do to clear ... |
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 Can anybody tell me how can i find out what is affecting my credit record? |
I have recieve just denials from the creditors I apply. They say that I have a Collection, to which I honestly ignore what could it be, since I make all my payments on time.
Can i avoid paying ... |
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Corey M | My credit card company raised my APR for the heck of it? |
It is in the news all the time that the FED is cutting intrest rates, but i got a letter from Bank of America last week stating that my rate is now 17.5. percent. It was 7.9 percent. I have 10k balance on there and this increase really affects my bottom line, i pay double the min payment to get this paid off. I called them and the bit;ch told me its per you contract sorry we cannot do anything. I applied for another card 0 percent but denied on the fact of my income. my credit is good. WTF |
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SlimMick
 |
Sorry...they can increase your rate at any time and for any reason...They could state "because the sky is blue" and get away with it.....
The credit card industry has the US Presidency and Congress bought and paid for...They write their own rules which allow them to get away with this....A brain dead, docile voting public too distracted by Britney and Paris is ultimately to blame. |
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AJ
 |
What probably happened is that 7.9% rate was an introductory rate for a certain timeframe, now that its past, the interest is going to its normal rate.
Heres some tips for applying for a Credit Card.
1. Read the small print
2. Read the small print
3. Read the small print |
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Zonky
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It's called a credit crunch for a reason. Supply of credit dries up, credit becomes more expensive. If you're profiled as a higher risk, then your rate will go up.
*looks above*. I'm not going to argue that they're not corrupt, but no one forced you to take out a credit card agreement, and likewise, you can cancel the agreement at anytime if the rate doesn't suit you. *shrugs* |
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TaxGurl
 |
There is a clause in your agreement that says they can change your terms if they check your credit and something in your report has changed. If your credit score slipped due to some other factor, your credit card can raise your rate even if you have been a perfect customer.
A few things that can trigger this are letting your debt creep up in relation to your income or maxing out your card---even if you make on time payments.
Get a copy of your credit report and see what's going on there. Then call back and talk to a different rep. I read one book that said you should call back at least 7 different times before giving up when asking for a rate reduction. If 7 different people tell you no, you aren't getting the reduction. But sometimes you can ask for a supervisor and plead your case.
I had a company do this a few years ago and every time I called, I got a scripted answer of "the economy has suffered a downturn. There are no problems with your account and we raised everyone's rate. Have a nice day." I busted my butt at work to get some overtime so I could pay that one off and close it. |
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Katy Can But Doesn't
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That is the NUMBER ONE reason you don't get a credit card.
Boy do I feel sorry for you, your already doing your best paying double the minimum....
I would sell anything I have and can sell for money. And pick up another job if you can...
Best wishes!
Death to That ****** from the credit card company |
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bdancer222
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Yep, it is in your contract that they can increase the rates anytime they want. Sometimes a credit card will raise rates overall. Sometimes they check your credit report and if your score has dropped or they think you have too much debt, they raise the rates.
Never a good idea to carry such a large balance on a credit card. Even if you were paying twice the minimum before the rate increase, it was going to take you a very long time to pay that off.
You should tighten up your budget and throw every penny you can squeeze at that debt to pay it off. Find other ways to bring extra cash -- have a garage sale, collect alum cans, get a second job. The sooner you pay that off the better. |
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heybulldog
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Play with snakes and you will get bit. |
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Crazyjester9
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It sucks, but they can and will do that. |
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dan m
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Very few credit cards offer those kinds of rates for extended periods of time. Buried deep in your original credit agreement (the 4-sized font double sided document you signed when you applied for the card) their ability to adjust the rate as they see fit is outlined.
I'd go an visit your local branch and see if you can move that debt into a loan ... they advertise rates in the 9% range for debt consol loans. |
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