 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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 My dead dads loan? |
| my dad took a loan out in 1992 it was passed on to the recovery department of natwest he payed it off at £250a month i dont have the money to pay it off as theyre is still £8241 left to pay but i ... |
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 Is a credit score of 716 good for a 32 year old guy?? |
| I AM PLANNING ON BUYING A BRAND NEWCAR AND I WAS WONDERING IS THIS SCORE A GOOD ONE .... |
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 Can I use Visa debit card for online shopping? What is the difference from Visa credit card? |
| Can I use Visa debit card for online shopping as same as visa credit card??I am experiencing some difficultis on some online shopping site, and I am wondering the problem might from the card.... |
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 I have a question about using someone else creditcard?? |
I need to buy something online and i know you need a credit card.. soo I'm wondering if i can change the name it will be send too?
Cuzz i want to make sure my mom doesn't open it.. And ... |
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 How can I raise my credit score? |
| I'm 29 and have no outstanding debt other than student loans, which are in repayment and on time (always have been.) I've had a few accounts go to collections in the past, but never for ... |
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 Non payment on credit cards consequences???? |
| I just found out that my dad payed for mine and my brothers tuition fee by charging them to his credit card and incurred circa $250,000 worth of debt through various credit cards that he's not ... |
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 Is there such a thing as a pay as you go credit card? |
| Is there a card that you can keep putting money on it and use as a credit card, like for on line purchases? Or to give to a place where they want credit card info, but you don't want to give ... |
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 How do you get an apartment with horrible credit? |
| My friend is moving into her new house at the end of the month and her roommate is having a hard time finding somewhere else to live. My friend just found out that this roommate has terrible credit. ... |
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minion77 | 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 other people think of this? |
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SPIFIMAN1
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Everyone should have one credit card for emergencies. You can't even rent a car without one or make a reservation over the phone or Internet.
If you have good credit, you should be able to get a card with no fees and very low interest. What does' it hurt if you use it every now and then and pay it off in full. That way you don't pay any interest and it just makes your credit look that much better. |
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tlbs101
 |
If you DID have one, you can always pay it off every month (keep a zero-balance). If you do that make sure you get one with no annual fee.
Credit card companies HATE people who keep zero-balances.
This should actually increase your credit score, too.
. |
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ra63
|
I have a Discover card which I use for things like on-line purchases, paying for motels when traveling, and things like that. I pay off the balance every month. Having a credit card and using it gives you a credit history. You can also get things like cash back allowances, airfare mileage. |
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Faye H
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I have one and use it all the time. However, I pay it off every month so I also don't pay a cent in interest.
It's way more convenient than carrying cash when I travel and a lot easier to make hotel and airline reservations with one. If used wisely, credit cards are great.
It also can help your credit score as it shows consistent monthly payments. |
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Jillary von Hämsterviel™
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having one is good, for emergenicies and to show that you pay your bills on time... if you have ONE credit card it is better on your credit report than having none at all... and a rainy day may come when you need something. |
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Vegas Baby
 |
You should have something to build up your credit definately, however yeah credit cards are bad!!! you loose control and you can easily end up in debt! you can get one, but only spend what you can afford ex:
Spend money on thursday when your getting paid on friday and you can pay it back to your card |
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John W
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I cut all my cards up, a couple of years ago. They are all with $0 balance.
Sometimes, however, I want to purchase something, and I can't, because the vendors only work with credit cards. Especially dealing on-line, or by ordering by telephone.
I suppose its their loss, (no sale) and not mine. Feels great to be debt-free, though. |
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kit
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I say if you are not interested in buying a home or planning to get an apartment or ever purchase a car, then it is better to get one. A landlord won't lease an apartment to somebody who never had credit. |
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Sandylynn
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As long as you don't have a need for a credit card, don't get one. If you do have a need (it's easier to buy stuff on-line), then make sure that whatever you charge, you pay off the balance EVERY month. Don't ever carry a balance. That's where you get in trouble. If you just want to save on check writing, and pay all your bills with your credit card, then write one check to PAY OFF the whole balance on the card, that's a good use too. Credit is good to have, but every time you open up a new account, your credit score goes down. Having one card, that you pay off every month, makes your credit score stay high, saving you money in other areas that you're not even aware of, like car & house insurance. If you think you need to get ONE card, then read through all the offers. Pick the one that gives you the lowest rates, with no annual fees. Make sure you pay your balance off every month, mailing your payment at least a full week before the payment is due. This is where they hook you. If you're late by just one day, you lose all the great introductory benefits, plus they raise your interest rate. So, play by the rules, give yourself plenty of time to get the payment in, and pay your monthly balance in full. When you do this, you'll save time and money, both very good to have plenty of. <*)))>< |
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bob shark
 |
You should have one card, you might want to rent a car or a carpet cleaner some time.
Just don't use it unless you have the money to immediately pay it off
My one card always has a credit balance in it (they owe me money) |
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CautiousNorm.
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No need to borrow cash from them. |
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Grand pa
 |
we went bankrupt . now we ask need it or want it? |
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$m¤¤v¥ £¤¢¤
|
Credit should be used as a tool, like a socket wrench when you're changing your oil, or a pipe wrench when you sink leaks. Needs and wants can easily get confused and people start living outside their means. Let me give you an example. You currently have a 27" screen T.V., and although there's nothing wrong with the T.V. you go and get a HD 1080i TV maxing out your credit. Now not only you're paying like $75-100 month for something that you used to watch for free, but now there's interest added on to it. Here's another classic example of how people use credit cards the wrong way. Charging at fast food restaurants. From time to time, I'm even guilty of this myself. How would that BigMac or Whopper taste if you knew that you're paying 9-29% interest on it! Chew on that!
The best way to use credit cards is to use it in emergencies, and if you do use it, pay it off in full each month. The only time you should use it in a non-emergency is when you have the means to pay for what you charged. The key is to key low balances, if not 0 on your accounts.
In closing I'll leave you with this as far as credit cards. It's good to have something that you don't need, instead of needing something that you don't have. |
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