 Should I get this mastercard with these fees? |
Fees for Issuance or Availability of Credit Account Set-up Fee: $29.00 (one-time fee)
Program Fee: $95.00 (one-time fee)
Annual Fee: $48.00
Monthly Servicing Fee: $84.00 Annually++
... |
|
 Hi i want to take a 10000 loan out start the new year a fresh and all sorted willing to set DD up etc? |
Hi there I want to start new year afresh willing to be open to offers re interest etc anyone genuine be able to help
make our life such a difference
had ccj so bank ... |
|
 What is the best bank? I want to open an account and get a debit card? |
| Are there any banks that are offering special deals or gifts when you open a new account right now?... |
|
 I screwed badly, I have $7,000 USD in debt with my Credit Card and no money to pay it back...? |
| Credit Card has been cancelled, and I receive a lot of calls from Colection Agency ... what can I do?... |
|
 We have 15K debt from 3 credit cards? |
we have 3 credit cards and 2 of them carry a debt of 6500us$ each reaching max. credit limit of 6500us$ from bank of American and one credit card from capital one having 2000 debt...
we want to ... |
|
 Is it better to close a credit card or? |
just keep it with a 0 balance?
Thank You :)... |
|
 How can I take advantage of having good credit? |
| I live in SoCal/housing is too expensive to consider purchasing at this time but I have good credit- what else can I do to take advantage of this and remain responsible?... |
|
 What are ways you can gain credit? |
| I have zero credit, and I don't want a credit card. What other ways can I improve my credit score?... |
|
 I have a joint credit card with my future husband. We both have perfect credit. My mom insists we cancel it? |
| now. She states that I have made a huge mistake in my credit future. However, prior to opening the account, we (Adam and I) went to our financial advisor who stated that it would be very good for our ... |
|
 Advice on prepaid credit cards in the UK please? |
| Hi. I have a bad credit history and have only got an electron card. I don't want to get anymore credit but would like a credit card so I am able to book things and buy online.Does anyone know ... |
|
 I 'm 25 single mom. I working on paying off my debt. How soon does these payments show on your credit score? |
| I owe about 7 thousand dollars spread over 4 seperate accounts. My student loan is the biggest of all @ 5thousand dollars. I am making my monthly payments but not always on time. I also have 3 more ... |
|
 Hi i defaulted on a store card 8 years ago and it has been sold and they are chasing me to pay ,do i have to? |
| i was paying this through a debt management company along with other debts,all the other creditors stopped the intrest and have all now been paid,but this one company didnt stop the intrest so i ... |
|
 Will Bank of America give me a small, SECURED loan with TERRIBLE credit? |
here is the scenario:
i want a motorcycle that is $4,000.
i have $3,000 cash in my pocket.
i have terrible credit and do NOT qualify for a loan.
i can afford to pay the $1,000 ... |
|
 How can I rebuild my credit if I'm in bankruptcy and my credit score is 0? |
| I'm in my 5th year of Bankruptcy (ch.7), I've paid my mortgage on time, I have only applied for credit once during that time. I have no other credit cards or loans, I don't understand ... |
|
 Home loan agency for bad credit? |
| My boyfriend and I want to buy this one house, but we don't have perfect credit. What is an agency that can help us?... |
|
 My first credit card? |
| I am 25 and I have virtually no credit and I am looking into getting a credit card. what do you think is the best card to start out with?... |
|
|  |
BBdiddily | Stop paying credit card bills? |
Hi,
I recently visited a BK lawyer and he said just don't pay them any more.
I have several small balances.
Capital One 600
Providian 1000
Orchard Bank 300
Bank of America 3500
Sears 1000
NY&Co 350
Not a whole lot of debt but can't afford them all. I live in NC and wage garnishment doesn't happen. What do you think about not paying?
Additional Details
My credit is already bad from $40,000 in medical bills. I really don't care what happens to now. I am not planning on getting loans on anything else. The house we own is in a different name and protected. The credit card companies don't have my new address or a working telephone number. |
 |
 
jannie
|
you can not pay them but they will be sent to collections and they will be harrassing you
also you will ruin your credit rating |
|
echo
|
I agree with DaMan, talk to your creditors.
That BK lawyer sounds like he just wants your money, no matter the cost to you. |
|
rickrock1213
 |
OH MY GAWSH!!! DO NOT LISTEN TO HIM! What he is doing is trying to get you to not pay your bills so that in 4 months or so he would hope you return to him to file a chapter 7 bankruptcy. DON'T STOP PAYING!!! YOU WILL RUIN YOUR CREDIT! If you can, just pay the minimum payment on the ones you can. Then call the other cards and strike a payment plan deal with them. They will be more accecpting to get their money this way then not getting it at all. I am a licensed mortgage broker in Ohio and I see this ALL the time. Lawyers want you to default to a poin that you are forced to file a bankruptcy. If you do not own a house, then a chapter 7 bankruptcy is an option. This irradicates ALL of your debt, whiping your slate clean. It takes awhile to rebuild your credit, but it gets rid of EVERYTHING. If you do own a home, a chapter 13 bankruptcy may be ideal for you, again - ONLY IF YOU FEEL THAT BANKRUPTCY IS AN OPTION. I never advise my clients to stop paying their bill. What a bunch of bull. |
|
DaMan
|
You need to call these companies and tell them your situation.
Why the heck are you talking to a bankruptcy lawyer, when I just know you haven't called each one to work out a payment arrangement.
You need to re-do your budget figure out how much you can pay a month and start negotiating with your creditors.
They want YOUR money and any money is better than the proceeds they would get out of bankruptcy.
Lawyers are a last resort when ALL of your individual negotiations with your creditors have failed.
TALK TO YOUR CREDITORS!!! It is in their best interest to negotiate with you for an agreeable solution to your financial problems.
And just remember, your credit is an extension of your character. Man up, face the creditors, and take charge of your future.
I suggest you negotiate verbally first. Then by certified letter second. Then if you can't get it resolved, then and only then, consider bankruptcy. |
|
pezphreak77
|
You shouldn't just not pay the bills. They will stay on your credit report for 7 years. So if you plan on buying a car or a house or needing a line of credit for something else, not paying these bills could hurt your chances of even qualifying for a loan/line of credit. If you do qualify for a loan, chances are your intrest rate will be higher because the banks will look at your credit report, and see all of these unpaid bills. In the banks eyes, you not paying these bills makes you a bigger risk than someone who has a good credit history.
You should pay what you can, even if it's $10/month. You are responsible for these bills. You signed your name to the applications saying you promised to pay in full. If you decdie not to pay these bills it's just like stealing. |
|
parsonsel
|
I think that makes you a jerk.
Personal responsibility and ethics should cause you to pay what you owe. You're foisting off your lack of ability to be fiscally responsible onto everyone else who is. If you can't pay the minimums then pay what you can each month. |
|
bj_osterhout
|
I have no idea why anyone would tell you to stop paying them..
If you use your salary to pay the minimum balance on each card each month, it could take you as much as 20 years to pay them all off.. Interest charges and overlimit charges and late charges will kick your butt..
What you do is start with the cheapest one - pay it ALL .. next paycheck pay the next cheapest one, and so on and so on until they are all paid off
This is a proven technique that most experts reccomend to succesfully get yourself out of debt. |
|
sexytrojan
 |
A friend of mine had balances so huge, yours would seem like pennies. She went through bankrupcy, and the lawyer told her the same thing. $33,000 in credit card debt gone in one afternoon. On top of that, she and her husband bought a house at a decent interest rate. |
|
jduck1979
|
No, not paying is the last thing you should do, as it'll just drop you further in the sh*t.
Visit the "get out of debt" section of leading financial website "The Motley Fool".
US Version
http://www.fool.com/ccc/debt/debt.htm |
|
?
|
your credit will go to hell and you will never be able to get a loan on anything. |
|
Hax
|
I think you should pay them. If you don't pay them, I end up paying them. That's why there are 18%+ apr's on those things.
Try and do some balance transfers or take out a consolidation loan. Otherwise, those guys are going to hound you forever and your credit score is going to be screwed. No getting a house, car, job, or student loans after that happens. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 6 minutes(s) ago
| | | |
11 | 42 minutes(s) ago
| | | |
11 | 3 hour(s) ago
| | | |
11 | 7 hour(s) ago
| | | |
11 | 9 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
11 | 6 day(s) ago
| | | |
11 | 2 week(s) ago
| | | |
11 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
