 Should I file Bankruptcy or Not? |
| I have a total of $10,000-$13,000 unpaid, charged off, bad debt in total. This amount is for Bally's fitness, Phone bills, small credit cards, small medical bills, unpaid rent, department store ... |
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 Will it affect my credit score despite of paying over credit bill the next day? |
| I have seen my credit card bill today which went 3 pounds over my credit limit and i have paid some money instantly within 2 hrs of statement period , so will it be affecting my credit score?... |
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 How do i get my credit card company to cancel my debt? |
| i owe $16000 on my 4 credit cards all with chase and cant even make my minimum payment on any card. i lost my job and my wife is 2 months pregnant and i need help. i called a credit ... |
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| I recently sent out a check to my credit card's bank. Its been about a week and I have yet to see an update on my online statement saying that they received it. For peace of mind, is it possible ... |
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 Cosmetic Surgery-NEED HELP PLEASE!!!!!? |
| So I tried to get financing through Capital One and was told no. Is there any other way to get the procedure done? If I was denied for this one, does that mean I can't get it done? Are there any ... |
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 When you marry someone with a poor credit history, can you avoid having your own credit ruined? |
| Our son is preparing to marry a girl who owes about $3500 for medical care. It's been on the books for more than a year, she hasn't been able to pay anything on it, and she has elected not ... |
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 $16k in debt--Solutions? |
| Hi! My husband and I have about $10k in debt split up through 5 credit cards, and personal loan for about $6k. However, we do own a home with a mortgage of only $100k, and are making payments on a ... |
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 Ryan is with another girl so what do i do so i can stop them cause i really love them? |
| see i was with him for a very long time and he just broke up with me and got with another girl o what do i do.... |
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 Can I get a Debit Card with a Visa logo on it at the age of 17? |
| I just wanted to know if I could open one up, and what I would need, if I can, to open it up. Thank ... |
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 Does this sound like a scam? |
(from craigslist)
I am satisfied with the conditions and price as stated. I will like to make payment to you through Money Order... The check will be drawn from my company account...The ... |
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| I had a loan with a credit union and paid it off (so I thought) back in Nov. 1007. The balance was around $14,000.00. Seems there was still a balance of $979.00 left. The loan was taken out in CA and ... |
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 Too many credit cards? |
| I have many credit cards: two are from major financial institutions (chase and citi),others are from different stores (express,banana republic, vs)I have about 15 credit cards, is that bad? Should I ... |
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| We are massively struggling to pay off our debts as my partner lost his job...another victim of the credit crunch...we have been taking any work we can get but it's not enough and now we simply ... |
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| I financed it for 3 years about 2 years ago and I owe about $1,600. What If I just just stop making payments and wait for them to come pick it up... Will doing that affect my credit?... |
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| How can I bump up my credit score? |
I have a 560 something and is fair.
I hate buying things on credit so I always buy everything in cash.
Additional Details
I don't have any credit cards.... |
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 I have 3 credit cards (1 is dept. store) but i only use one which is visa, should i close the unused visa? |
| The credit cards that I do use are my department store card, and my primary visa card which i have had for over a year and a half (1,500 limit) the other card i do not use is an amazon visa card ... |
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 Someone I know did something very bad to me? |
| Infact she messed up my credit score when I was trying to help her. I know her social security number but I don't know her drivers license number, how can I get her back and make her pay for ... |
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J.C. | My first credit card.? |
I'm 18 and still in highschool but I've had a job for the past year. I applied for a credit card a couple days ago and got approved for a $500 line; my whole plan is to buy one thing a month not going over $150 to build my credit. Seeing that I usually get paid around $300 bi-weekly. Is this a good plan or is there something else with the credit card I should use as a plan to build my credit?
Additional Details
OK! Now, everyone don't answer this question unless its a serious answer. I've seen how credit can mess up a persons life and I'm not following in that path. I've always been the responsible one and I always use my money wisely. So please, no comments with ' dont get one ' or ' just dont do it! ' and no lectures. |
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Daniel A
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This can be an excelent way to build your credit. The $500 limit is standard practice for someone with little to no credit. As long as you pay it off every month like you are talking about you will be fine. Just don't max it out. Use no more than half of your available credit limit. Lendors don't like to see people that are constantly maxing out their limits even if they are paying it off completely. Just be careful and this card can definately help your credit.
The people who say "don't even get a card" are ignorant and don't know how to manage their money. Cards are very good for emergencies... ie. stranded on the side of the road or something like that and they can be very good for your credit aslong as they are managed well.
Welcome to the world of adult hood :) |
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lisa99_13
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that is a good idea. i got my first card when i turned 18 and still have it. well plus many more. make sure you dont abuse it. if you can trust your self dont pay the bill off every month. depending on when your credit check is done every month then you can possibly always have a balance of 0 you want it to be seen that you are going to use the card plus that you are going to pay for it. good luck oh and make sure to keep it open even if your not using it. having a card for a long period of time is a big plus on your credit report. |
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brimir7
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You're doing the right thing. Credit cards scare a lot of people because a lot of people misuse them. You have to have credit, and use credit, to build a good credit score. Just make sure you pay it off every month, never miss a payment, and don't pay an annual fee (too many cards out there to pay for this.) I'd get in the habit of paying on line assuming that service is offered and you have a bank account. That way you know the payment was received on time. |
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Flower Girl
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Don't buy anything on credit! Pay cash for everything you can! |
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Cary C
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just make sure u can pay each month |
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Stephen B
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I would never put more than a few dollars on it at a time and be sure to pay it off every month no matter what. A credit card is like a runaway train. It'll just keep build ind up momentum until you can't stop it. In other words you'll keep putting items on it and not paying it off every month. Soon you'll have more on it than you can pay off and not remember what you charged. Every time you get close to your limit they will raise it another $500 or $1000. After a while you'll be so in unsecured dept you wont never be able to pay it off. This has happened to many. |
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Mary
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use it wiselyyy...lol :) |
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mikishunu
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NO! |
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curtisk0422
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DONT DO IT!!!! |
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