 Is there an easier way for me to pay off my credit card debt? |
| ok, I'm only 20 by the way, but I did have 8 cards before I canceled 1 not too long ago, the limits start from $300 and go up to $1700 at my highest and I only bring in $650 a month for now, I�... |
|
 How can i fix my credit? |
| ok one day i whent to my bank and tried to get a credit card and i just graduated from high school well they wouldnt let me because they said i had bad credit well i was thinking well i have never ... |
|
 1. I'm trying to fix my credit.I'm making car payments on my vehicle but it is under my sisters name.? |
| I still owe about $9,000.00 on it.what can I do to get credit for making my ontime payments.? My credit score is low and I want to build it ... |
|
 Which is better? One credit card with $10,000 or two cards totaling $10,000? |
Additional Details
The limit on one card is $20,000 with a 4% rate right now. The limit of the other is $7,500 with 0% rate. Which is better for my credti score?... |
|
 My friend got a certified letter? |
| the mailman is trying to give my friend a certified letter from a credit card company. she wants to know what will happen if she just doesn't answer the door and doesn't sign for the ... |
|
 I'm the one that thought she was in $97,000 credit card debt. Come to find out the atty that sent the summons |
| had put the wrong amount in the paperwork. It's $9,700. Can I sue the attorney for mental anguish. (Got the paperwork on a Friday and had to go the whole week-end thinking the worse). Felt ... |
|
 How do you get a mortage with horrible credit? |
Additional Details
Give examples of companies willing to do so, I have a close friend that is desparate, her boyfriend has ruined her credit. And I'm wanting her out of my house!!... |
|
 Help!! I want a Credit Card But Im Only 20!!? |
| I got a offer in the mail from capitol one! It said something about the interest rate being 9.9% I want to know what is affordable for me! For example I have a full time job where I get paid $10 and ... |
|
 Ive been delined by my bank (barclays), captial one said no!? |
| who will give me a credit card no matter what the intrest is, im killin myself at the mo. no dough,... |
|
 I need a straight answer for my problem? |
| i lied about my age to get a credit card i said i was born in 1980.the year i was really born was in 1990 and i really need to know if anything is gonna happened to me now or in the future please im ... |
|
 Credit card debt and new baby on the way? |
I know this sounds like a CRAZY question.
My husband and I currently have about $2,800 in credit card debt. We are also expecting our first child at the end of January '08.
Has anyone ... |
|
 What credit cards would u reccomend? |
| im starting off on my credit i wanna get some suggestions on low rate credit cards for a "beginner"... |
|
 ARE YAHOO CENSORS A LOAD OF Rubbish? |
| Post someting vaguely rude and you get your question removed, post disgusting adverts for RIP OFF LOANS AND CREDIT your posting will remain for ages! Comments please.... |
|
 Advice for a young student with credit card debt? |
| When I turned 18, I made the grave mistake of applying for credit cards. I was so naive that I charged like no tomorrow. Now, over a year later, I find myself in financial debt. I owe about 4 K to ... |
|
 I just received a check that I don't know where it came from in the mail? Do I cash it or not? |
| It came in the mail via DHL and was written on December 3, 2008. It has a name and address on the package where it came from and it has my full name and address as the recipient. The check is for $3,8... |
|
|  |
midd1902 | Should I make this purchase? |
I've just finally established enough credit and now have a credit card...Should I make any purchases like furnishings or go for something of lesser price? |
 |
 
Chuck C
|
my advice is to make just enough purchase to be able to pay off the purchase in full the first billing period. Then do it again, over a several months. By doing this you will build up more credit. Then use the card for emergencys only. |
|
Lianne
 |
Get things you need and try not to carry a balance that exceeds 30% if the limit, or even better pay it off in full every month. If you need furniture and can afford it, get it but don't get it just to use your card. |
|
kcatcat
 |
Why Purchase? Card burning a hole in your pocket? Most people save cards for emergencies. Interest rates are high, and unless you have an urgent need, I would hold off till I had to. |
|
ASE
|
STOP YOURSELF NOW!!!!
Get a grip on reality and realize that the card your holding in your hand can put you in the poor house faster than you can without it.
Do yourself a favor and take some of these good peoples advice.
Do not buy just to be buying. Use it for emergency's only. Use it to build your credit. And for goodness sakes DON'T PAY INTEREST!
Why would you want to give your hard earned money away to these people. When you have the money to buy what you want go and buy it, put it on your credit card, write yourself a note in you check book that you spent what ever amount and deduct it from your account. Then when the credit card bill come PAY IT OFF! Builds your credit and they will give you a higher limit. Don't do what my daughter did and let a $19.95 shirt turn into a $247.63 nightmare. You never know when somethings going to pop up in life so play it smart. Change the way you think about money. Instead of spending it, see just how much you can collect. Put yourself on a budget and live with in your means. Life's alot less stressful if you know your bills are paid. |
|
INACTIVE
|
Don't buy what you don't need just to buy something. Watch your interest rate and shop accordingly. Think of how much you will ultimately be paying for that item versus what it would cost to pay cash. Keep the card for emergencies, not for routine purchases like food or consumer goods that lose value. Why pay $20 for a $16 item??? Hang on to the card. |
|
Johnsmatrix
|
Keep your balance under 30% of your total credit limit at the end of every statement.
30% of $500 / $150
30% of $1000 / $300
This will keep your scores going in the right directions by keeping your utilization and debt to income ratio in check. |
|
Jason M
|
Establishing your credit and getting a credit card should have nothing to do with whether or not you make a purchase. Ideally, you should only buy what you can afford and never rely on credit. If you want to use a credit card, pay it off every month! You'll essentially get ~4 weeks of time before you pay it off for free, and possibly some kind of reward (miles, cash back, etc). But if you can't pay it off in full, it's not worth the interest you'll pay. |
|
STEVEN F
|
Would you buy it without the card? If not, don't buy it. |
|
First Lady
 |
Start slow! Buy some small things and pay off the balance each month. Credit cards can get out of hand very quickly. |
|
WHAT?!?
|
The way the credit card is reported to credit agencies you do not need to make pruchases on it to improve your credit rating. It only will show the Balance on the card, the Limit on the card, your minimum payment due, and any derrogatory comments like late payments.
In short I would make sure it is activated, by making a small purchase that you would normally pay for with a debit card or cash. Pay that off when the bill comes. Then don't use the card. Every six months or so you will want to make a purchase like described above. I would call and ask for increases to it every six months. You may also want to get other credit cards now to show more credit lines. In the short term it will lower your credit score, but in a year you will probably raise your score by well over 100 points. The reason is the formula that your score is computed by will see several open accounts, all in good standing with a low balance to limit ratio, thus you will have shown yourself to be a low credit risk. Don't keep applying for credit though once you have gotten a few cards, these will count as inquiries and will score against your credit rating for 6 months. |
|
mei mei
|
well you should set your priorities right first. whether which things needed more urgency for you to have it asap. remember to settle your needs first before you start satisfying your wants. |
|
misslabeled
|
Don't use it at all until you actually need something. Buying things just because you now have a credit is a really bad start to managing your finances. You still have to pay for it, with interest. |
|
meme rules
|
go for lesser first, but something that you need and then after you get that paid off go for the furnishings |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 37 minutes(s) ago
| | | |
13 | 2 hour(s) ago
| | | |
13 | 6 hour(s) ago
| | | |
13 | 9 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
13 | 2 day(s) ago
| | | |
13 | 2 week(s) ago
| | | |
13 | 3 week(s) ago
| | | |
13 | 2 month(s) ago
| | | |
11 | 4 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
