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 I co-signed a big loan for my daughter. If she files for bankruptcy (chapter13) am i liable for the loan?
...


 How do i go about getting companies off of my credit score?
my creidt score is terrible as of right now! i had seen my credit report in person! i see where some companies still have me on there for a report purpose only, because ive got them paid off!
...


 I am applying for a credit card for my husband a capital one card and it says?
Variable purchase rate, currently 14.9% what does this mean?...


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Must one be 18? If so, is ...


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do you have to spend on yourself for going out/ clothes etc for the month????...


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 How can I rebuild my credit?
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 My credit sucks. Is it really possible to get a new ss# to get a new credit file?
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 How to apply for credit card if my pay does not hit an annual income of 30K?
...


 Does anyone knoe of a FREE crdit report site.Where I DO NOT have to give a credit/debit card# to get my score?
I don not want to give my debit or credit card, I want an absolutely free site, where I can get my credit score. Thanks....


 Credit Score?
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 I had an overdrawn account at Lloyd's and cos of this my credit rating is bad and I cant open a student?
account how do I imporve my credit rating? it was a lng time ago and they closed my account at Lloyds TSB, but my credit raing is still ...


 Is it possible to make yourself bankrupt without losing your home?
it's just something i was talking over with a friend recently who is in debt and is pondering this question.
Additional Details
lol@ gashotel, interesting answer, but i suspect that ...


 Can/will unpaid medical bills be reported and applied to my credit history?
I heard that a law was passed which doesn't allow unpaid medical bills to be reported on a persons credit. Is this true?...


 Is it worth paying off collections or using the money to get a secured credit card?
I have about 4K in past medical bills from 2 years ago. Would it be worth paying them off, or put a deposit on a secured credit card to help inmprove my credit?...


 Free stuff?
REALLY FREE. you know, no sponsor offers to fill out, no signing up for anything, no shipping and handling fees, no filling out any form or ANYTHING. i want free stuff where you just fill out your ...


 How old should you really be when you use a credit card?
I'm just 11 years old and I wnat to buy stuff in the internet....


 Can you get a loan with no credit with a co-signer??
...


 Respond to debt collector?
Someone left a very official/legal sounding message on my phone, I found out it's some debt collecting agency. The message asks me to call them for a "business proposition" or ...



bananas
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. As far as I was aware, I owed 250, but it says my balance is -47.46 and that I have 302 available.

What does this mean? Do I owe 302?? I'm really confused. Any help would be greatly appreciated.
                     
 




astralpen
Rating
It means you have overpaid by 47.46.


hailey
Rating
looks like you have an available credit line of 302.00 if your balance is -47.46 then you have a credit.

with the information provided it seems as though you have an available line of credit of 302 (means you can charge that much more)


Raf
Rating
If your credit balance is negative 47.46, that means that you paid too much on your bill and the credit card company actually owes you 47.46. I'm not sure where the 302 available is coming from. your available credit should be your limit plus what they now owe you for overpaying: 297.46


k13579s
Rating
It SOUNDS like you have a credit balance and that you do not owe a payment because of the minus sign, but make sure you don't owe something by calling them. If you originally had a credit line of 250 and y ou have 302 available now that would be 52. So I am not sure.


sliphstream
Rating
It looks like you made a payment greater than your balance. Anytime you have a negative balance, you do not owe money.


bluedreams1810
Rating
It sounds like you have a credit of 47.46 on your card. The 302 available means how much credit you have left on the card. For example if your credit limit is $500 and you spend $50 your available credit will be $450. So no I don't think you owe 302. :)


Madame P.I.
It means that you over paid. You have 302 available now.


what ever
Rating
you have spent over your limit and bounced your acount into the negative numbers so you need to pay it off


Tim
Rating
You have 302 in credit left to buy more stuff.


Kekeslock
You clearly overpaid but you should double check with your cc institution.


short cake
Rating
if your balance is -47.46 it means you paid too much on your last bill. You don't owe anything. $302 is how much money you have available on your credit card. You can purchase up to $302 worth of merchandise.


get it while it's hot!
I sounds like you overpaid. Your available credit is how much you can still charge on your card without maxing it out.
I think the best thing to do is to go to your bank and have a personal financial counselor explain to you how things work... not enough people understand how credit works and it has caused our economy to collapse.


Mark
Rating
It means that you have overpaid your account and have a credit of $47.46 on it.


Steve D
Usually, a negative balance means you have overpaid and have a credit on the card (they owe you money). If you paid the account off and then returned something, that could happen. The $302 available means you still can charge about $300 - you only have to worry about this when you get close to zero, because banks usually charge a fee for going over your credit limit.


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