 Which website is the best to get a free credit report from? |
| I know there are a lot of them out there but, I don't know which one is the best.... |
|
 Help im soo young with thse credit cards? |
| k well im 16 and i have about 6 credit cards in my name saying im 18 when im rly only 16. my parents pay them 4 me and sometimes have me give them some money from the atm for them because they have ... |
|
 Settling credit card debt? |
| Ive heard various radio commericals pertaining to this topic. I have alot of credit card debt well over 20k i would say; however, my credit is pretty good (timely payments, no overcharges, etc...) My ... |
|
 Can I get an auto financed if I have a repossession? |
| I just had my car repoed, because they don't refinance, so I couldn't keep paying the high payment, if they could have worked with me then this would not have happened, I had a financial ... |
|
 How long can someone keep a check for? |
if someone has a check, and hasn't had the time to cash it yet, how long can someone keep it for, before they aren't allowed to cash it?
Additional Details
I'm the one who ... |
|
 I'm seeking advice on spending addiction - SERIOUS answers only, please? |
| I don't carry credit cards, but I have a bad habit of overspending my budget to the point that checks bounce and I wind up in a financial mess. I have even been suckered into those cash advance ... |
|
| If an adult has no credit history, what's the best way to establish one? |
| My neighbor is 47 and has only paid cash for everything. She would like to have some kind of credit history.... |
|
 Hey, I got an email that told me I won a lot of money, but now no one has responded? |
This is what the email said:
WE ARE PLEASED TO INFORM YOU TODAY 17th OF July 2008 THAT YOU HAVE JUST WON YOURSELF THE SUM OF 0ne million euro file number 623-880-1121.serial number 553442:Q... |
|
 If I make one late rent payment to my apartment, will it hurt my credit? |
| My roommate's bank account got messed up with pending deposits and so our rent payment check bounced... we have the money to pay it (and the late fees) a week late, but the leasers have already ... |
|
 I have one credit card and excellent credit. Will getting a new credit card affect my credit score? |
Additional Details
I have a balance of $1600. I have never been late with a payment and I have had it about 5 years and it is the only one I have. I want to transfer that balance to a 0... |
|
 Can I make a payment to a credit card that currently has a 0 balance? |
| I'm making a purchase on my credit card, but the purchase will be about $100 over my limit. If I make a $100 payment to my credit card that currently has a 0 balance (so my balance will be -$100... |
|
 What is a quick way to pay off credit cards? |
| when you don't have a job, no money in the account and don't want to mow lawns or do manual labour or borrow from family or friends.... |
|
 Is there a credit card a 18yr old can get without getting denied and no credit history? |
| I've tryed to apply for a few credit cards to build up my credit like letting my parents use it and them pay the bills but i always get dennied and I dont wanna have a co signer can anyone link ... |
|
 If I make late payments does this affect my credit? |
Sometimes I pay my phone bill or car insurance bill late but I do always pay them every month. Does this affect my credit negatively?
Additional Details
I do pay the full balance owed ... |
|
 Debt question.....? |
| I was a stupid teenager who used a credit card to buy tons of expensive things. Now I'm 25 and I'm still trying to get out of the $10,000 hole I dug myself. What's the best way to do ... |
|
|  |
Candy C | My visa card intrest rate is 19%, am I getting ripped off? |
luckily my limit is only $1200 but is this a high rate for todays market? what is your interest rate? Should I try to negotiate for a lower rate? if so, what do I say? have you ever done this? ok enough questions, lol, any help is great, thanks.
Additional Details
ok Im 22 yrs old and this is my first credit card ever. I got it when I was 18 and the intrest rate hasnt changed since. I pay more than my minimum payment every month but then i take it back off before my next payment so its been sitting at its max for over a year. |
 |
 
SAINT G
 |
Cut it in half. I now survive by spending money I actually have, and at the end of the year I have saved thousands that the credit company would've had.
learn not to want everything now. |
|
no meat please
 |
If you have bad credit then that's why your rates high! Improve your credit to get a lower rate. BUT...If you have decent credit you should ask for a lower rate. If you ask for a lower rate, explain that you've been a good customer and always made payments on time(if this is true). They should reduce your rate, or you can get a card with a 0% INTEREST AND do a balance transfer. |
|
cork
|
STANDARD FOR MOST GAS AND DEPT RETAIL CARDS...
GET A BANK CREDIT CARD 6% OR LESS...EVEN 12% SIGNATURE LOAN BEATS WHAT YOU GOT.. |
|
coreys1247
|
Yes you are. Try transferring the balance.
There are over a hundred cards to choose from and you can learn a bit about credit cards too:
http://www.expert-credit-advice.com/credit_card_expert.htm |
|
Abbi G
|
If you first received the card when you were only 18 and it only has a 1200 limit, honestly, I don't think that rate it too bad for a credit card company. You'll generally find rates in the lower teens to be about average these days. You can always shop for a different credit card and transfer the balance to the lower rate card. The crcd companies will never offer to lower your rate but they will offer to incease your credit limit regularly just because you're such a good paying customer. This, in turn, gives you more buying power, which they anticipate you will use therefore, giving them a larger return on interest. Let me make a suggestion to you. Your crcd balances should never be withing $500 of their limits. This does not suggest a controlled use of money which is where the term "maxed out" comes from. You may have better luck negotiating a rate too as that is viewed as not abusing your credit with maxed out cards. |
|
sunnymommy
|
Yes that is too high. You can call and ask them how to get a lower rate. I
did and they just gave me 11%. I was paying 19%. |
|
Rokfeller T
|
You know 19% of course it's not good but it could be worse like 22-25%,but Citi bank gives 12% so it depends on your bank try to negotiate wuth them but I don't think it will help,change your bank if you'll will use your credit card so often.
Good Luck |
|
Demetrios
|
At your age ,any mistakes you make now will cost you in the future. Make the credit card work for you instead of the other way around. Never buy anything if you don't have the money to pay it off in full. If you continue to pay the minimum payment you will never pay off the capital. The higher the balance the more the interest. At 19% you will be paying for a long time. Credit cards are a good thing to have if you know not to abuse them. Hope my advice helps. |
|
Stephanie73
|
it's hard to say if you are getting ripped off based on the information provided... if you have excellent or good credit, then you are getting ripped off and you should try to get your interest rate lowered... if your credit is considered fair or poor, then 19% is a pretty typical interest rate... many credit card companies charge even higher interest to people with fair or poor credit... and many companies have what's called a default APR, where if you make a late payment or go over your credit limit on any of your accounts, you will be charged a higher APR |
|
tonalc1
 |
That's very high. Tell your company you'll close your account without a lower interest rate.
Also, do some research on the net; there's lots of companies that have much lower rates. |
|
MJ
|
There are no credit cards with a permanent "0%" interest rate; these are temporary teasers to get you to transfer balances or set up a new account. If you have a balance, then by all means, try to find one of these cards and pay if off during the promo period. However, if you use a charge card, such as American Express and pay if off every month......or for that matter, any credit card and pay off the balance every month, it doesn't matter what your interest rate is. It never is applied. (My credit cards vary from 14% up to 24% but I never worry about them because I pay them off each month.) Now that might not be possible right away in your situation. Then, take a look at credit card rates from bankrate.com and yahoo finance (look at credit card section) and find cards that have lower monthly finance rates than what you currently have. If you find one, before you open it up, call your current credit card company and say that you are planning to transfer your account balance to that card and close your account. I have a feeling that they might do something about your rate..........even if they don't you have the obvious option of doing just that. Good luck! |
|
Big Bully
|
Banks love it when there are people like you who don't pay there credit cards in full monthly. |
|
rhenry501
|
yes |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 36 minutes(s) ago
| | | |
11 | 3 hour(s) ago
| | | |
13 | 7 hour(s) ago
| | | |
13 | 1 day(s) ago
| | | |
14 | 6 day(s) ago
| | | |
11 | 2 week(s) ago
| | | |
12 | 2 month(s) ago
| | | |
11 | 6 month(s) ago
| | | |
12 | 8 month(s) ago
| | | |
10 | 13 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
