 How do i establish credit? |
| i have no credit and wanted to know how i would qualify for some type of credit card, i tried going to a bank credit union and they were having problems giving me an account since i had no credit, ... |
|
 How much does a prepaid visa card cost? and how much can u put on it? |
Additional Details
also is there a expreation date of the card???????... |
|
 A debt of over 15 year old? |
| a debt agency says we owe money from 15 years ago! Can they still try and get the money back?... |
|
 Victoria's Secret angel credit card? |
My girlfriend wants to get an angel credit card from Victoria's Secret. If she applies in store, will she be able to have it that day? How does the whole process work?
Additional Details
|
|
 How can i build my credit? |
| I am young and have been trying to establish some type of good credit. Besides the normal- renting an apartment, buying a car, having bills in my name, making sure i pay on time, and applying for ... |
|
 How much could someone actually do with a million dollars(like give examples!)? |
| It just doesn't seem like that much money to me. Someone asked on here, if someone offered you one million dollars would you stop watching television forever and I said no, even though I barely ... |
|
 I have a credit score of 575? |
and i payed down half of my credit card. and payed off a collection do you think it should bring my score up by 5 or more points did this biginning of last month
Additional Details
also ... |
|
 I'm broke and I can't pay my credit card... what should I do? |
| My company closed and I'm out of job at the moment but it would take some time for me to recover financially. I can't pay my credit card. What should I do? Please help...... |
|
 I have a very bad credit score and I need a loan,Does anyone know of Institutions that lend to people like me? |
| I don't have it because I don't pay creditors back, but because I just got divorce and my husband ruin both our credit. (why I am divorce) Anyhow, I am trying to rebuilt my credit, but I ... |
|
 How many credit cards should I have? |
| I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what's d' ... |
|
 Closing A Credit Card? |
| If you want to close a credit card will it affect your credit (will your credit score be low) b/c a want to close a Best Buy Credit Card and i dont want anything from them anymore i have other credit ... |
|
 There are 3 people in my family with the same name but different SS# having problems with credit HELP US? |
| Me, my sister, and my aunt have the same name but we have different SS#'s my sister middle name is different but the initial on middle name is the same my aunt and my name are exactly the same. O... |
|
|  |
wermiller | Paying your credit card late? |
I paid my credit card payment on the due date but it didn't process it until the next day, I got a late payment fee and it was considered late. Will that affect my credit score at all? |
 |
 
Crazyjester9
 |
No, it will not. You must be at least 30 days past due for this to be reported to the credit bureaus. |
|
bud68
 |
One late payment won't affect it much. But you can't cut it that close - you've got to allow a greater margin of safety in making your payments. |
|
Steveo
|
Been there, and done that. If you paid it on line, and the due date was on a holiday or a weekend when their office was closed, then you can call them up to request that they rescind the late fee and not have you show a late payment on your record. If you have been paying on time up to now, then this will not affect your credit record. I would recommend that you verify that when you pay, make sure that the due date is not a holiday or a weekend. |
|
Jeff
 |
It's highly unlikely to affect your credit. Most banks don't report late payments to the credit bureaus until it's 30 days late. Your situation was one-day late, not 30.
But, the banks just love that $39 late fee you just gave them. Yum! |
|
~Fabulous~
|
You may be able to call and ask them to take away the late charge...especially if this is your first time and you have a good history with the company. It's happened to me before and they did take the fee away, which in the end did not affect my credit score.
You have to remember when you pay for a credit card online, it may be in a different time zone. So paying at 1pm in the afternoon, may actually be 3pm, or 5pm...if you remember that then you should be ok in the future.
Good Luck! |
|
Grandpa
 |
each credit card company is different but most will not report it you need to be real late and even no pay before they will report it most of them will work with you |
|
lisa s
 |
Well it wont affect (effect?) your score but it WILL change your interest rate....
I bet you you will go from whatever teaser rate you have to a huge default rate of 22% or more.
In terms of your credit score, LATE is 30 days so since you were no where near that there will be no problems there
however
the new interest rate is going to really hurt
Call the card company and ask them to waive the late fees (they probably will because they know that they will get that money back 10x in the new interest fees)
It is time to seriously start looking for a new card to switch your balance to because the interest rate will rape your bank account! |
|
hello
|
It might not affect your credit score this time, but some (most) credit card companies have a default stipulation that if you make 1 late payment your interest rate increases drastically.....for instance one of my cards apr is 12.9%......if I make a late payment apr is now 27%. |
|
thekrazeekatt
|
If this is your first time, probably not. Just remember to pay it before the due date so that its processed on time. If you do this a lot, it would probably hurt a little bit. |
|
skip742
|
It might. It just depends on how vicious your credit card company is. Normally, they don't report it late unless it is 30 days late. So, the only place it will hurt you is within their own organization.
However, be aware that this is also a scam that many credit card companies are playing with today. They choose to "receive" your payment after the due date, even though they received it on time. That way they can gouge you for another fee. |
|
Beachbumminblonde
|
Yes, the late will affect your credit score. Credit companies love lates!!! UGH-h..
However, due to being your first time the company will likely waive the late fee for you. But, don't count on them helping you with the 1x30 on your credit report... |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 9 minutes(s) ago
| | | |
10 | 22 minutes(s) ago
| | | |
12 | 28 minutes(s) ago
| | | |
11 | 29 minutes(s) ago
| | | |
11 | 2 hour(s) ago
| | | |
11 | 5 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 3 day(s) ago
| | | |
11 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
