 Suggest credit card good one? |
| which credit card is good?... |
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 Capital one card? |
| iv just been offered a capital one card and can have up to 2500 pounds say i spent all of that what what kind of payment would they want each month and are capital one a good card company to go with ... |
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 Is it dangerous to give ur credit card number online? |
| ok i have never bought anything online.....but i really want to pre-order the 4th book of twilight series online at amazon.com and they ask for u credit card number over there.........is there any ... |
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 Is it better to pay off current non-delinquent debt or my spouse's past credit delinquency? |
| We are trying to clean up our credit scores and are about to come into some money. We know we need to pay off some debt, but are unsure whether to pay off old delinquency's or if it is better ... |
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 I am trying to apply for a loan asap, but i am not on electoral roll..? |
i am really distressed at the moment as i need to borrow money urgently.
please help me, my car is on my name and so are bank statements,
thank ... |
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 Is it a good idea to borrow money? |
| Is it a good Idea to borrow money of your bank, and your friends or family?... |
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 Seriously in debt and living in fear? |
| What are the chances of a couple lasting that are seriously in debt? They have already broken up 3 times in 6 years. They both owe 7 years back payment in taxes plus 60,000 dollars each on other ... |
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 What are the loopholes in which I can make my credit rating erased or much better then they are today? |
| My credit rating is bad, and I don't know what I owe from the past, how do I find out and what to do about my bad credit. I have been told there are loopholes in fixing my bad credit rating, but ... |
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 How does bankruptcy affects cosigners? |
| I am considering filing for bankruptcy, but I have cosigners on equipment I leased for my business. Is there a way to file without involving my cosigners? I would be filing for personal bankruptcy ... |
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 How long does bad credit follow you?Can and old bad debt resurface? |
| I was told bad debt may linger or re-surface when debt is sold to a collection ... |
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 Can debt collectors do this? |
| Okay I have a credit card that I haven't paid on in a year. I did try to pay it off last February in full because they sent me a letter saying I need to pay by the 14th. I called and said I ... |
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 Credit and marriage? |
| If I was to marry would my bad credit affect my husbands credit...and would his good credit affect mine?... |
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 Simple CREDIT CARD question. Please help if you can? |
Hi
I don't really understnad how the whole banking thing works and was just wondering if someone could help me.
I just checked my credit card details through online banking.... |
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 Bad credit loans? |
| i have bad credit but need a small personal loan with no upfront fee. Can anybody help me?... |
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 Where can I get a "real" free credit report on the web? Anyone know a ..? |
real site that does this without having to sing up for anything or get spammed?
thanx
Additional Details
Oh I forgot to add this I am from Canada and freecreditreport site ... |
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 Should I pay this off?? |
| I received an offer in the mail for a settlement on an old credit card debt. It's almost 10 years old. Do these fall off of a credit report or should I pay it? I cannot find any information as a ... |
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 650 credit score with 16% APR? Bulls**t!!!!! Finance Manager? |
| I went to Toyota dealer yesterday to buy a 2007 camry. After taxes and adding a sunroof the car totalled 23000. The finance manager tried to give me a APR of 15.95% and the car note would be 618. W... |
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tempting_butnothanks | Obama now wants to go after "predatory credit card" companies? |
because they are the ones responsible for putting Americans into debt. In my opinion, Americans' lack of personal responsibility is what is getting them into debt. Keeping up with the Jones's is the #1 cause of credit card debt. You and you alone are responsible for your finances. if you cannot understand simple economics, you really shouldn't be messing around with credit cards, or any other type of monthly payment plan.
Additional Details
in response to people not "seeing a question"
Why is Obama pandering to Americas stupid? |
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SPIFIMAN1
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I agree with you on the use of credit cards, as far as why is he doing this?
That's easy, pandering to stupid Democrats Is the only way he can get elected. |
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CHARLES R
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I love marmelaide's answer I already do the same thing, I send coupons for pizza to the bank in the postage paid envelopes, along with a note that they should relax and enjoy life, cause I just saved them $2 on a pizza.
Also I figure using all those envelopes keeps the post office busy and the price of stamps down :)
The real issue is that we're a cashless society. People don't have the hurt anymore of digging into their pocket and digging out $300 to buy that ipod. |
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Pete
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What does he mean by predatory? Does it really matter? It's super easy to shred one of those "Pre-Approved" letters and throw it into the trash can. |
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bryan l
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I agree charging 30percent default rate is outrageous. Just for missing one payment even if it was oversight that credit card and all of your other ones adjust to a default rate of 30 percent. This happened to me 6 years ago, i did not have a job that paid as much, just got out of college, just got married and 24-30 percent interest rate on 9k of debt was killing me. Right now i have credit cards all with 0 balances, however i figured i pd 4k in extra interest due to missing that 1 freak-in payment. I did call the credit card companies too and they would not do a thing. So yes that is predatory companies getting you trapped hoping you default and jack your interest rates sky high. Yes i do agree for some type of punishment like late fees ect, and maybe applying a default rate on someone who did not pay for 6 months. |
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Marmelade
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If every time someone gets an offer in the mail that they are "pre-approved!" they would send the prepaid envelope back with only a note inside saying "please leave me alone", imaging how much $ the credit card companies would lose on postage? Just a thought. |
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KathyS
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The companies are not responsible for putting anyone into debt but their business practices are less then desirable. People put themselves into debt and the companies will prey on the ignorant. I don't see a question here though...this is not a soapbox standing site. |
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hmark
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I agree with most of you here, however, being in a democracy means that if there is a way to make money, no matter how unscrupulous, there will be takers. The banks are too used to getting that portion of income, do you think that they would settle for less in the general interest of being a Good Samaritan? |
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heybulldog
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Sure it's about personal responsibility. I agree.
The thing is, we are bombarded with credit and how much better we will be if we Just use a credit card. The credit card companies encourage us to spend, spend, spend. You can't walk into a store without someone shoving a credit card down your throat. We are taught at an young age to worship the fico score and to borrow money. Buy now and pay later.
Nobody is taught to pay as you go and live on less than you make.
Using credit cards is irresponsible.
I personally think the government should stay out of it and the people just stop using credit cards and live on less than they make. We have to much government! |
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da_zoo_keeper
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You are correct, but what's your question! You can't stop people from spending. Perhaps you can limit what CC issuers charge for interest, but that would probably violate some other law on the books. What should really happen in a true free market society is that all those CC co.'s and subprime lenders, should be allowed to go under! That would rock the boat like the Titanic and cause market CHAOS! Then, when the dust finally settles, things might be worth their actual value and not some inflated number that shows all the wonderful growth in america! Let a few banks tank, and watch what happens!!!!! |
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Gin Martini
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Regardless of whether people are ignorant, it does not entitle companies to exploit the ignorance of the people. Any predatory company should be gone after. Moreover, a 'simple understanding of economics' should tell you that the effect of mass credit failures effects not only those who default on their loans, but also much of the larger general public, even those with good credit. As such, it is to the advantage of those with good credit that 'predatory credit card' companies be prevented from extending excessive credit to those that cannot afford nor manage it. It affects all of us.
Just telling people that 'you cannot understand simple economics therefor do not get credit cards' is not going to do much to fix the problem. Credit should be made much more difficult to obtain, where it would force many to pay cash for material items, especially those not necessary for their survival. |
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jellybelly
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I completely agree. |
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Its Just Me
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i agree with u 100%. but i at the same time hate some credit card companies that keep sending me offers and some even calling me 10 times a day saying ive been approved and yet i never applied. i told them numerous times to stop calling me or sending me offers n yet they still... sometimes i wish i can just deliver a grenade or send 1 to their voicemail or something. |
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tom_gpp
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Obama is oandering to america's "stupid" because a majority if people that are in Credit Card debt are the middle class normal families that will be voting! If you want to rant start a blog, keep it off of here |
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Jerry S
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what you say is true, but many people who have these
cards apparently were unaware of the horrible
penalties, interest rates, et...
i agree with obama, but as previously stated i also see
your point of view. charge!!!!! |
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