 What bank doesn't charge fees? |
Hello there,
I am looking for a bank that doesn't charge fees. Do you know any in San Mateo?
Thanks and have a great holidays,
Additional Details
Thanks guys, <... |
|
 Does anyone know how i can get my hands on £30,000? |
| I have defaulted on payments recently because i couldnt find a job i now have a fairly good job and my mum also needs help i want to sort out my finanaces and help mum out at the same time i live in ... |
|
 How to stop Debt collectors? |
| For one debt I owe approx 500$, last month I sent in 500$ wich was half my balance. I still have no income, and have told them that. What bothers me is the week after I sent in the 500 they called ... |
|
 I am paying off my debts. Now what do I do to build up my credit?? ? |
| I have bad credit. I owed around $1400 in hospital bills. This week is my last week making payments. Starting next week, I will owe no money to anyone. Now what can I do to build up my credit? I ... |
|
 Which is the best credit card to get these days? |
| I've started a new job and been told to use my own credit card for expenses. I want to keep it seperate from my own stuff. Where to start looking for the best?... |
|
 Credit cards for teens? |
| Are there any credit cards for teens? I've already got a pre paid debit card which I pay for mjyself, but it doesn't help at all with my credit score. I have a steady source of income and ... |
|
 Closing a credit card? |
| I have a few credit cards, 7 actually most of them i owe nothing on. they are the store ones, target, victoria secret, american eagle, old navy, kohls, jcpennys, and express. will it hurt my credit ... |
|
 I want to get credit, how do i get a card? |
| I want to get a credit card to get credit. Of course every time i use it, im going to send the payment in THAT day so i don't do the opposite and ruin my credit. But im only 24, I don't own ... |
|
 Serious!! pls advice? |
| can i be sue in court if i owe people money but i didn't sign any IOU. will i hav a crimminal record or will this affect my credit report??... |
|
 Could i get this on ebay with a check? |
http://cgi.ebay.com/NEW-
i dont have my own checks with my name on it but i ... |
|
 How do i prepare myself to get my first credit card? |
| i just turned 18 and have no credit and have never applied for a credit card because I was told if i applied for alot of credit cards and got denied it would lower my credit score. So what should i ... |
|
 I have a £2K overdraft with Lloyds TSB which they want back by Nov 26th, 2007? |
| Hi, I have had an overdraft with Lloyds TSB for a few years now, totaling £2000. They now want to take it back on the 26th November, 2007. However, financially I am not able to pay it back right now ... |
|
 Does any one know how i can get a loan i need to buy this trailer for my kids i need 5,000? |
| a fresh start for my family and I in a new town just what we need but we can't seem to come up with the money right now we can make a payment we just finished paying off his van 4 years of 450 a ... |
|
 I got charged $130 for a couple roast beef sandwiches at Arby's, best way to get my money back? |
| I swear I'm really not that fat that my Arby's bill is 3 digits. I did go there (my card isnt stolen) but the charged amount is wrong.I called my credit card company and I have to mail in a ... |
|
|  |
baby_rost | Now that I have paid my credit cards off (such as JcP, target, belk) should I close them? |
|
 |
 
Katie
 |
Nope, when you close a credit card account it takes away from your credit. If you have open cards that are in good standing it looks good on your credit report, but when you close one you will lose credit. Just keep the cards open and don't use them. |
|
lauraj157
 |
NO!!!!!!!!!! The longer you have a credit card in your possession that shows on your credit bureau, the better your score gets! Even if you don't carry a balance on it, you bureau shows the date it was opened. If your bureau shows a card that has been in your possession for 5 years with no missed payments, it looks better than a card that was opened for 1 year, now closed with no payments.
Keep your cards! Your beacon score will benefit :) |
|
burger
|
It will hurt your credit score to close them so if that's important to you, leave them open. Oh the other hand if you really don't want to use them but aren't sure that you have the willpower not to use them, it may be in your best interests to close them. |
|
wicked_clown_1975
 |
If you close them that would likely hurt your credit somewhat too, but if you keep them and hide them well or shred them so you cant use them, that should not hurt your credit. |
|
blahblahblahblahblah
 |
It will lower your credit score. The more unused credit you have the higher your score will be. You can cut them up so you won't be tempted to use them but don't close the accounts. Congratulations on getting your cards paid off! |
|
Head-over-heels
|
No,
It doesn’t matter if you made a few late payments..
All activity will still show up on your credit history report..
And you are responsible now, right?
How will they know that if you close them out?
Here's a little how credit works, you only get credit if you were to charge something, then pay it off.
If you close the accounts there would be no way to redeem yourself of that credit.
To a credit union such as Experian, just because you pay off what you owe, it won’t matter, all the credit union cares about is if you are paying on time and if you are paying every month.
If you pay more than the minimum balance this is good in their eyes...
If you never reach your spending limit, this is also good in their eyes..
You have to show them that you can be responsible...
That you can manage you money..
I know cutting the cards up may seem like a good Idea now, and your right it is an easy way out..
But how will you raise your credit score?
Sure you messed up in the past but what about now?
If you cut them you will run into the problem of no other place wanting to give you credit, because of your past history..
Not only that but, now a days when you go and apply for a job, the job will request a credit check, and if you have bad credit this may keep you from getting the job...
Just keep it open maybe charge like 20 bucks a month on the cards pay them off the next month. And keep following the same pattern.. And you don’t necessarily have to do it every month. You could do it like every other month and so on and so on..
If you do this, I guarantee you will boost your credit score..
Also, in the long run you can keep disputing any late payments that might have occurred in the past online.
u just have to go to their sites...
Just please keep them open..
Take the first time around as a learning experience..
A lot of people don’t know how the credit game works, but believe me it is rather important..
Just this time be careful, and only charge when you really need it..
Just please, if you leave the credit cards open do not go over, or reach your spending limit...This will hurt your credit score.. |
|
lepr0kan
|
Once the cards are open the affect is done to your credit. Closing them now would only increase your debt ratio and shorten you credit history. Just avoid opening so many store cards in the future. |
|
danesgirl74
 |
Never Never close accounts that are in good standing!!!!!!! This will really hurt your credit score. It will show that you have no credit rather than credit that is all paid. You don't want to lose your debt ratio which will be a great score since you have paid them all off.
The only ones I would say to close are any that are costing you money to keep open.
If you have anymore questions check out myfico.com it is a forum where people give great advise on credit situations.
People often get the misconception that closing will improve your credit but it actually hurts it. |
|
Ryan
 |
I would not close all of the accounts at once as this would lower your credit score. It is a good idea to keep atleast 3 open trade lines.
If you are worried about using a particular card, cut it up, then close the account later when you have established a new account. It is a good idea to make sure there are no yearly fees or inactivity charges associated with not using those cards. |
|
Honey
|
Of course, credit cards get you introuble unless you use them for emergency. Like not having food to eat, ect...... |
|
Rick
 |
Absolutely, if you are not planning on using them again, you do not want miscellaneous charges on them. |
|
Jenn
|
Try and keep at least three lines of credit open. The credit cards you listed are not good ones...being that the APR is probably more than 20%. Get 1 Visa/Mastercard with a low APR that you could anywhere incase of an emergancy. |
|
Mikeally
|
Yes, cut them up and close the accounts |
|
burtongrl
|
yes absolutely. otherwise if you just don't use them they might charge you an annual fee. they can even change things about your account to include annual fees even if they didn't have them to begin with. plus, the more cards floating around the more likelyhood of identity theft or fraud. |
|
jessikaamparo
|
depends on you i would say yes only because need to pay with the money you have on you at the moment of purchase it will show you more responsibility ......................
Good luck |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
15 | 17 minutes(s) ago
| | | |
15 | 34 minutes(s) ago
| | | |
15 | 2 hour(s) ago
| | | |
13 | 5 hour(s) ago
| | | |
15 | 7 hour(s) ago
| | | |
15 | 1 day(s) ago
| | | |
15 | 4 day(s) ago
| | | |
16 | 2 week(s) ago
| | | |
14 | 1 month(s) ago
| | | |
14 | 5 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
