 My car got repo'd and auctioned!? |
| whats the best way to explain to my mother that i got my car repo'd when she's the cosigner? is there any possible good lie out there.. me and her don't keep in touch or talk much.. ... |
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 What to do if you have a summlons to come to court.? |
| i have a summons to come to cort because i have credit card debt.... |
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 1st Credit Card? |
| I am about to get my 1st credit card. Any suggestions having good credit?... |
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 I took out a $5,000 unsecured loan and only needed $2,000 of it..? |
| can you pay these off early.. i would like to make a 3,000 dollar payment as my first.. is this cool.. if so will the interest be charged on the whole thing regardless.. thx for your ... |
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 Debt Collection Unfair need advice Badly!!!!? |
| i have had an account past due with citizens bank for 3 years i was put away for awhile and was unable to pay it. i owed 538 dollars. well 5 months ago i have been receiving calls from NCO about ... |
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 I have terrible credit from a reposesion when I was 20 years old, I'm 24 now, I need to buy a house for my |
| family, my finace has ok credit mine is just terrible. I only owe 4 thousand but can't afford to pay it back. Whats the best way to rebuild my credit I feel like I'm holding my fiance back. ... |
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 Is it a good idea to close credit cards that I don't use at all? |
| Here is my situation. I have $7500 I owe on a 0% credit card that expires in March 08. I want to transfer that balance to a different 0% credit card in February to avoid finance charges. Also have ... |
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 No Credit auto financing? |
Ok, I'm 19 years old, live with my family, have an active checking and savings account. I work as a General Manager at LP Cleaning Service and make $3,500.00 per month before taxes.
H... |
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 22 years old and credit card company is taking me to court? |
| I was offered several credit cards when I graduated high school and started college at the age of 18. This card in particular offered a $4,000 credit line. I had no job and no savings, so I ended up ... |
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 Do you think a credit card is a friend or foe? |
I have two credit cards. do you think its an advantage or disadvantage for my lifestyle?
I'm working in a call center and I'm already regularized. I have a stable job already.... |
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 Hi, I have a really poor credit score along the lines of 530? |
I am currently paying off my debt, I would like to know if there is a faster way (along with paying my debt) of improving my credit score? I can't get approved for anything!
Additional D... |
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 How can I reset my credit?? |
Hi!!!
I've read in the past about companys who can reset your credit rating' however I am sure some of these are scams. I am 26 and am unable to obtain any sort of credit due to ... |
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 How many points are taken off for requesting a credit report? |
| I want to get a free credit report online, but I don't want to get dinged on my credit report. Does anyone have any info on this matter? T... |
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 I have a Wal-Mart card and the credit limit is only $100.00 and I would like to have an increase in my credit? |
I have a Wal-Mart card and the credit limit is only
$100.00. I would appreciate it if you would allow
me to get an increase to at least $500.00. Thank you for your consideration in my ... |
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 Bad credit. Loads of people who post on here have "bad credit"? |
| is it time for the banks to be forced into being more restrictive in their lending? They seem to lend to loads of people who are likely to default on loans and then put up charges for those who do ... |
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 Who here is rich? |
who is rich on this website? dont worry i am not going to ask for money. but if you answer this question can you tell me how you got rich or how to get rich.
Additional Details
i mean i ... |
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d_stanley89 | Opening new credit card bad for credit (want to by a house)? |
I am looking into buying a condo in the next 3-6 months. I have two credit cards open currently (both with 0 balance- one 3 years old and one 2 years old) and wanted to open a travel rewards card since I will be traveling internationally next summer and wanted help with the flight. Since I will be looking into buying a house I wanted to make sure that opening another credit card wouldn't hurt my credit. Currently I have good credit. Any help would be great! |
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TripleD
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Finalize the loan on the condo first and then apply for the rewards card. Contrary to what others may have said, it could lower your score. |
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echo
 |
I agree with TripleD - wait and apply for the card after the mortgage is finalized.
Never apply for credit within 6 months of applying for a mortgage.
Your scores will take a hit when the inquiries show up. Then if you are approved, you could take another hit when the new account shows up due to the new history. And since your oldest card is only 3 years old, you may take a pretty big hit.
Since your plan is to use the card next summer, there is no reason to apply right now and risk a higher interest rate on your mortgage. |
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Katherine W
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So long as you have fewer than four cards, opening a new one won't hurt you. Put charges on it and pay it off each month: that will give you the miles and also build your credit record. However, to get enough miles for the flight, you'll want to be sure you're putting the mileage on a card with an airline you're going to fly, and even then it takes a lot of miles to get a free flight. Also, check the rules to see blackout dates and other limitations: you may find it impossible to actually use the miles. However, that said, I've used free miles to fly to Europe and Asia, so it's worked for me! |
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farrell h
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Multiple credit card, which are difficult to repay and monitor cause excessive burden on finances. Juggling with repayment schedules cause some of them to be missed, resulting in a negative credit rating. Unless absolutely essential avoid extra credit cards. Many people don't have credit cards and still spend their life comfortably. They don't have to worry about credit card debts. However, by the amount of convenience they bring to our life, credit cards have become a necessity. But, keeping only the minimum needed, will help avoid things from getting uglier when it comes to repayment.
Don't take cash advances
If a credit card has regular APR of 10% it doesn't mean that it will apply to every kind of transaction with that credit card. Different APR rates apply for different types of transactions. And cash advance attract the highest rates of interest - it could be double, or even more than that of the regular APR. The problem is compounded by cash advance fees which can range between 3-5% or more depending on the credit card company. Any cash advance with credit card is a loan on very high interest rate. The best thing is to avoid it at all costs and if urgency demands it, make sure to repay it in full with the next repayment. Read more from: http://www.credit-card-gallery.com/article/245,Credit_card_debt_can_be_avoided_if_you_follow_these_5_dependable_credit_card_tips |
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inith
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You can visit www.cashguru.info and find very useful tips and several articles on credit related matters. |
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bull_rooster_aardvark
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Not completely sure but I don't think it will have any affect (possibly a very slight effect - but I don't think so), so long as you pay the bills on time (then it will help establish more history - of course). You can always cancel one of the other credit cards you no longer need just to be on the safe side. |
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sam hill
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it could hinder in the near future but credit scores are increased if you use the card or even have a balance of less than one half the card available...doesn't sound like it will hurt... go get prequalified at your bank or broker and ask them. |
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Pamella A
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if you take another card then remember to pay the bills on time. You can choose discover cards for you as they give 0% intro apr with some rewards and they have travelling cards too and as you have good credit it will be best for you. You can also try with others.
To know more you can visit
http://www.creditcardbiz.blogspot.com
and
http://www.onlinepaymentoption.blogspot.com |
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