 Were can you get pre paid credit cards? |
And if you get one can you use it on the internet, and just like a reagular credit card?
Additional Details
Do they do a credit check on when you get a prepaid credit card?... |
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 Why was i refused personal loan from banks with best APR ? |
i am permanent resident for 2 years in uk, continuously fully employed (current employment 7 months)
I have at least ÂŁ1k income after taxes and all costs of living left each month, i ... |
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 Isnt this the best country in the world!!! Only in AMERICA!!? |
| I just have to post this craziness. I just bought a new CAR!!! Yeah! My husband got laid off and we just filed bankruptcy. Only in America the land of unlimited opportunity and credit.... |
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 What is the best credit card company to go with to fix bad credit? |
| im trying to boost my credit score up to an 800 or as high as i can get it, and i know credit cards are the way...but whats a good company to go with, or who has the best offers for bad credit.... |
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 How can teens protect their credit before they have a credit card.? |
| im a teen, i dont have a credit card, and i dont plan on getting one, except to establish credit so i can buy a car and such....i have a checking account that i keep up with....but what are some ways ... |
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 How can i get a loan with bad credit? |
| I need 4000 by december. The problem is i owe my school and outstanding balance of 4600! My student loans have been deferred until January..so this loan would only be for a month max ...as my student ... |
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 Credit Card for 18 year old? |
| Hi, i am an 18 year old senior in high school. I would like to start building my credit by applying a secured credit card at the bank. I have saved up to $1200 right now from my under the table job. D... |
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 Does anyone knows if my credit score will be affected if I don't pay my cell phone bill ? ... ever. Thank you |
| My company is charging me an amount I know it's not accurate ( but It has happened before and I always ended up paying for it, but this time I'm not willing to pay for it since I was ... |
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 Having too many credit cards will hurt your credit score? |
My friend told me that having too many credt cards will hurt my credit score. Isn't true
I have about 35 credit cards and most of them are applied through invitation. I pay my due ... |
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 How does bank make profit on credit cards? |
| Lot of banks are issuing free credit cards. How do these banks make profit by giving free credit cards. If we purchase something in credit card, the bank has to pay the money to the vendors and we ... |
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 I have a bill for $379 and a credit collection agency is sending letters. What will they do If I cant pay it? |
| I am struggling just to make rent and I have two jobs, this is a bill from an auto insurance company, I don't know what they will do. Any ideas of what can happen to me?... |
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 Has anyone used a legit credit repair company? |
I have tried to dispute items on my credit report and haven’t had much luck.
I have late payments, bad debts, and I have no good credit. Please give me links so I can research the ... |
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 How long do negative occurences stay on your credit report? |
| I mismanaged my finances back in 2001 and 2002. Now I'm fine. But I applied to a job that did a check on my credit report and they said there were some "negative things" on it so I ... |
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 What is the best way to stop credit card collections from calling?? |
| Although I do have some late fees, my credit card company continues to call more than 5 or 6 times in a day. This is ridiculous. Is there any way that I can have them stop this practice that will ... |
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 When a collection agency calls and ask you to pay the entire amount owed on a debt. Can I make payments? |
| My husband is on dissability and I can only make small payments. The lady who called was very nasty and very mean. Made fun of our income. so I told her I would send twenty dollars a month. Not ... |
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 Why is it that when you use a credit card sometimes you have to sign and sometimes you don't? |
| The gas station never requires a signature. The grocery store or retail store usually does. Even if the amounts are the same. Who determines when you need to sign, and when you don't?... |
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 I can't pay some of my credit cards anymore starting next month, what can they do to me? |
| I have depleted my savings that has supplimented my meager 600 a month take home pay. I have payed my cards for years with no problems but my life turned around completely a year ago and I have been ... |
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 When a creditor takes money from a bank account when the debt is already paid, how do you get that back? |
My husband had an outstanding credit card debt, that a creditor filed against our tax returns for, for the last several years.
A few months ago, a different collector bought the debt, and ... |
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 Does anyone know of any companies in uk that give mobiloe phone contracts to people with bad credit?? |
Additional Details
Ummm why do people assume things? I need this for a purpose not to show off with my mates!... |
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Gene C | The interest rate on one of my credit cards was recently raised from 9% to 23%. What are my options? |
Like a lot of us, I am trying to dig myself out from too much credit card debt. I have a monthly budget and have been paying down balances as I can. Recently, one of my cards increased my interest rate from 9% to 23%. I had not been late or missed a payment. Their reason was that I had too many cards with balances, even though I have had the same number of cards as when they issued the card two years ago. This feels like a kick in the teeth at a time when I am trying very hard to keep all my commitments and pay my bills on time. I can understand if they want to raise the rate on new charges, but raising the rate on an existing balance just makes it harder to pay down the debt and more likely that I will default. I was tempted to say I will not pay anymore, but don't want all the other cards to respond by raising their rates and having my credit totally crashed. So my question is: Do I have any options here? |
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Pojo
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You may find that once the one raised the rates the others will also increase your rate of interest as well. Vicious cycle to carry a balance on a credit card.
Get a second job and throw it all at the highest interest credit card then the next and so on.
You may have had the same number 2 years ago but it sounds like you might have charged them all up in the mean time.
Good luck. |
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meh.
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You may want to consider trying to consolidate all your cards into one payment at a more reasonable rate. There are a lot of companies out there that are willing to do this for you, but you shoudl shop around, and always make sure you get a fixed rate, so it doesnt happen again. |
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bebe
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I agree with the previous answers. Next thing to do is junk your cards and opt to cash-buying.
Let's be simple, a hundred dollars is a hundred in cash but a hundred in card is only 77 (less 23% as you said). Truth is cards devalue your money. |
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annyda
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u should try refinancing and have all credit card debts put onto 1 card with a low interest rate most banks will offer this to get your Business or take out a personal loan with a lot lower rate to pay off cards |
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mjghunter
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Easy one. Keep making the payments. Go to your local bank and try to get approved for a person loan (secured if possible). Most banks are lending at around 8 to 9% at 5 years and 10% at 10 years. Bite the bullet and take the loan. There is a light at the end of the tunnel. You will have a guaranteed payoff date. Cut up every single credit card you have except for one. Take that card and put it in a metal container. Filler the container with water and put it in the freezer. That card is only for emergency and with it being in the container it cant be defrosted, it will have to thaw on the counter before you can even use it. That will give you time to decide whether you really need it. Good luck. |
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Beetle in a Box
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If it is soon enough after notification you might be able to deny the rate increase and pay off the balance at 9%, but this means that they will close your credit card account immediately. Be aware that this type of thing might start happening with your other cards as well. The mortgage crisis kicked off a process of defaults that is now headed to the credit card industry. They raised your rates because more of their customers who are in your situation are defaulting. They're not trying to screw you personally, they're trying to keep from going under themselves. I know this doesn't make the situation any better, though.
I agree with the other poster who suggested picking up a part-time job. Another alternative is a loan that will pay off your cards (not a home equity loan, which would convert unsecured debt to secured debt and put your house at risk) or balance transfer, but these deals are much harder to find than they used to be. |
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Gem
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The banks have been doing this since before the increased minimum payment law took effect last year.
I had 3 banks screw me by tripling my interest, even though I paid everything on time, above the minimum.
So, what I did was call my other banks, and ask for a guaranteed balance transfer rate.
I also took a loan against my 401k last March, when my 401k still had money in it.
So, screw the banks. Once we are out of this hole, either through payments or bankruptcy, there are a whole list of national banks that can kiss my royal red butt.
I'll never allow them to make another dime off me. Ever.
Yet another reason why this "recession" is becoming a depression. The banks are thieves to their good customers. |
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src50
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Your options are:
(1) accept the new terms.
(2) decline the new terms. In that case, they will close your account. |
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Brad F
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cards.hotusa.org - try this one. You can compare different credit cards and choose the best one for you for balance transfer.
Some of them provide 0% interest rate for 12-18 months. |
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Doctor Deth
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yeah, pay off the card or don;t pay off the card
stop using it or keep using it
that covers all your options |
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BillD
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Um call the creditor and fight to get the rate down to a reasonable percentage. That is absolutely ridiculous. I would do that and look for a new credit card elsewhere.
www.peoplesavehere.com - you can compare lots of different ones there. |
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taupo
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New Rules Help With Your Credit Card Bills
New rules are being adopted under the Federal Trade Commission that will better protect credit card users from certain unfair practices. CreditCard.com says that the credit card consumer will see that the new rules mean:
- Limited Interest Rate Hikes
- No More Universal Default
- More Time To Pay Bills
- Clearer Due Days and Times
- Highest Interest Paid First
- Limited On Over-The-Limit Fees
- No Double-Cycle Billing
- Clearer Credit Terms
- Sub-prime Card Fee Limits |
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