 What is the best student credit card? |
| I have no credit card and this will be my first, so which one is best. There are so many to choose from with different rates and rewards but I want to know which is the best overall and also in terms ... |
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 Are credit cards allowed to increase your APR if you pay ON TIME with them but LATE to other cards? |
| I heard that most credit card companies increase your APR even if you pay on time! What they do is they check your car payments and other cards, and if they see that you are late with OTHER cards, ... |
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 Whats the best credit card? |
| I'm about to be a college student and I'm looking to start establishing good credit for myself. I have never opened a credit card before and i want to get the best one possible for a ... |
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 I need a loan and I have very bad credit with no co signer is there hope? |
| I have a credit score of 573 but i need a loan to get a new car because mine is almost dead is there hope for me? and if there is where can i go?... |
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 How many credit cards do you have? |
| I have only 1, but I think more than 2 is too ... |
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 Will I lose my house? |
| I've recently separated. My husband accumulated $15,000 in credit card debt before he left. He isn't working now and is applying for disablilty. In the meantime he has no income and is ... |
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 Would this have affected my credit rating??? |
I had a debit card which was used fraudulently a year or so ago. It was cancelled by my bank.
I had the details of this card saved within the account section of a website i often buy ... |
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 Should people that go bankrupt have all there dept totally cleared? |
| i just think that if people go bankrupt they should still pay something towards there debt even if its a small amount. At the end of the day they got themself in that postion and should still pay at ... |
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 If a collection agency requests payment on charged off debt that was never on credit report, do I have to pay? |
| I received a letter from a collection agency addressed to my old name. I found it to detail an amount owed that I didn't recognize. I contacted the company (the person was very nice and ... |
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 What should I do with this debt? |
| A friend used my name to purchase a car and the car was later repossessed leaving behind a debt under my name. Now, a debt collecting company is haunting my family as I am no longer staying with them.... |
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 Is it true that my credit may suffer if I cancel a credit card? |
| I've got a credit card with no outstanding balance. The company cancelled the rewards program for which I originally got the credit card, and so I want to close the account. But my father tells ... |
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 I am in debitet,and no one abil to help me ,please anyone knowes what i have to do?without any bank krupy ? |
| i have got littil problem with my creditores,and no loan or credit card not abile to help me because i miss one payment.i am improving after that missing i never miss any other,but no one abil to ... |
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 My credit score is 729, is that good? |
| I am a 19 yr old Male in college, I just checked my credit score, is 729 good? How good?... |
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 How do i cash a $20,000 money order? |
| my friend wants to send me a $20,000 gift out of his trust fund. he lives out of state now though. but when he sends the money order in western union or fed ex, how do i cash it? i whould normally go ... |
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 What do I do about collection agency filing law suit over over credit card debt.? |
| I was given 10 days to respond to the petition. They are asking for 1500.00, I believe this is an old credit card that went to collection that the available limit was about 500. I need to write a ... |
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 Can you send a cease and desist letter to a credit card company -or does this only work 4 collection agency's? |
| Mom mom is in bad health and can not work, but Sears calls her daily harrasing her to pay a debt she is truly unable to pay. She has no real assest, so she is judgememnt proof. Would telling them ... |
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 Help Finding A Credit Card? |
| For my boyfriend. I don't know how his credit is. I would say fair to good.. Not bad or excellent. But what he is wanting to do is buy a cheap car (Under $2000) on a credit card (so his limit ... |
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LovIngMe | Should you pay off a debt or save and pay little at a time? |
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 |
 
The Paladin
 |
Depends on the kind of debt.
If you have credit card debt, you should forgoe making savings account or stock investments.
Always pay off your credit card bill in full each month. If you can, never carry a balance. Ever.
BUT, that being said, it's helpful to enroll in a 401K plan, or make IRA contributions. ONLY because it's good to establish the mentality that "I am a saver" and "I am saving for my future". The mentality early on, helps pay off later.
I graduated college with mid to high 5 figure debt in combinations of student loans + credit card debt + car loands. I worked my *** off and sacrificed "me" time to pay it down. I even got a second job.
If you have the time / energy, it's worht the effort. In 20, 30 or 40 years, you'll be retired, living "comfortable" while your friends are still pounding away!
:)
GOOD luck! |
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WhereTheBuffaloRoam
 |
well, some good advice by others already I noticed.
Take the smallest debt first and pay it off and move to the next one. Concentrating on one at a time.
This is solid dave ramsey advice, listen to him on the radio as well, hes on the AM dial. Great talk radio show.
Then you can be welcomed to "financial peace university". |
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heybulldog
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Pay it off.
Close the cards.
Save up an emergency fund.
Don't obsess with the fico score.
it brings nothing but bebt. |
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Useful Idiot
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Pay the debt with the highest interest or "impact" to your standard of living. Always keep a small account aside to cover you in case of emergencies. |
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blklacquer
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Mountains and Molehills. You should start by paying off the small debts(molehills) first. This way, you won't get discouraged because you will meet your goals sooner. That high interest rate card may be the highest debt you have, but as long as you make the regular min. payments...you are kinda stuck, so pay the small debts first and then apply those amounts towards the big mountain. Im not saying don't pay the others, keep paying at least your min. until you can increase it. Good Luck! |
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niquey
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pay off your debt |
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dmh7593
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I've heard different answers to this but main thing is try and pay off whatever is highest in intrest rate if it's like credit card bill. If interest isn't part of your payments, then go with whatever bill is lowest balance first since you'll pay that off sooner and have money after it's paid to pay any other bills which will be better for you. Again it does depend on those things though. |
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Kate B
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If your debt is costing more in interest than you would earn in savings, you should pay off your debt first.
For instance, if you're paying 18% interest on a credit card, and only earning 5% in the bank, pay off the credit card. |
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Wonder Woman
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Pay it off as quickly as you can to avoid add'l interest charges. I always double the minimum payment. |
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