 What do i do with my debt if i'm leaving USA and moving back to Europe? |
Hi there,
Here’s the thing. I’m 19 years old and I’ve had 3 family tragedies in the past 6 months. My dad, my grandfather and a cousin (who was like a brother to me) passed away, ... |
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 What should i do with an unused credit card? |
| two years ago through my bank at the time i got a college us bank credit card. i only used it once and paid off the balance right away. since then i changed banks to wells fargo. i no longer use ... |
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 If I have a debt from 10 years ago,It is not on my credit report..Am I still responsible.Collection called me. |
| The collection agency also keeps sending something to my moms to get a credit card (some unknown name) of theirs with a payment per month in order to get my credit straight. They said if I call by ... |
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 This is a trivial question, but...? |
| ...do secured credit cards usually say "secured" anywhere on them?... |
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 Credit score? |
| Does anyone know where i can get my credit report done for free. All the places online say free but then you have to cancel theeir service before 3 days and it is never easy to cancel.... |
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 Bank of america overdraft fee question? |
| Ok the deal is that I made a payment with my debit card about a week ago at pizza hut, and they are barely charging for it now and I currently didnt have any money in my debit card so they are ... |
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 Is this site a scam? |
unionworkers credit line
10,000 credit ... |
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 The gas pump said my debit card was "authorized", but now the bank says I must pay overdrafts, is this legal? |
| I used my debit card several times to put about $100 of gas in my car. I got a letter today from a collection agency saying that I owe $600 in overdraft fees and penalties. Each time I went to the ... |
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 Credit card qustion anyone know about credit cards? |
| ok i just got a credit card with so much money on it i dont wanna mess up my credit so can i olny spend the amount of credit they gave me or can i go over it then pay the bill of what i spend when it ... |
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 Which is better payday loans or log book loans? |
| My wages are low this month as I was off sick, so I need some cash really fast, probably about £500. Please reply ASAP as I need help fast!... |
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 How many times can a creditor sell an account to a collection agency? |
On my credit report I've noticed that when a deliquent account is about to fall off as it is called another collection agency buys it.How many time or years can this go on?
Additional D... |
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I like horses | What are the worst ways to use a credit card? |
Like... a spending spree? |
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Mortgagemom
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Living off your credit cards is the worst use I can think of. They should only be used in the case of an emergency, unless you have the income and discipline to pay them off in full each and every month. |
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idaho_native57
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To go overboard and charge everything in sight, and going over the limit of the credit card. If you can't make the payments or pay off, its not worth it. |
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Quixotic
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Spending it on a night of prostitutes and drugs seems like a really bad way to do it. |
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SG Elite
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Shopping like there's no tomorrow. |
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minocstriker
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Exceeding your limit, forgetting that while you don't pay for items now, you will have to in the future, and making the minimum monthly payment (or no payment at all).
Of the above, I'd say only making the minimum monthly payment is the worst...you're paying for the interest being generated on the unpaid portion of your credit balance and to only make the minimum payment means that not only is the majority of your current balance still on the card, but you're spending between the minimum payment you've made and the next bill that comes in the mail. |
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MiRaNdA rOsE
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i got my first credit card when i was 19., used it a little for this and that. well when i quit my job 2 1/2 years later i used it to pay for gas, buy stuff i needed. for 4 months.....well it got maxed out. and im still paying it. but i can honestly say i didnt use it on spending spree. but now i wish i still had it, could really use it for some of my bills. |
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JEDI MASTER YODA
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Exceed your limit....
Do NOT pay your minumum monthly payment due each month.
Abuse your credit limit....
Buying items that you DON'T need....
THE FIRST KEY TO MANGING YOUR CREDIT:
- Establish a BUDGET for your monthly INCOME and EXPENSES.
- Do NOT go into DEBT if you can avoid it.
- Pay cash for food, gas, etc.
- USE Credit for major purchases, car repairs, appliances or a major purchase if necessay.
Check with your local Banker on Tips to Using Credit Wisely
Do NOT buy things on IMPULSE like a "Shopping Spree" you mentioned above. I know its tempting to use the CREDIT CARD instead of Cash. Try using your Debit Card instead.
GOOD LUCK! :-) |
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audiA4isawesome
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One of the worst ways has to be using your credit card to pay off a debt or put a down payment on a house. |
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alexa dion
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o make sure that you can save money like this there are a few precautions that you should absolutely adhere to:
Keep a track of the 0% intro APR Period. If it is 12 months you have the liberty for 12 months, if its 16 months you have it for 16 months.
Make sure to check out what the 0% intro APR period applies to, balance transfers, purchases, or what all restrictions are there.
When you don't pay the monthly outstanding balances in full, does the 0% intro APR period lapse and a higher rate instantly applies.
What happens to the rewards if you don't pay your balances in full?
Most importantly, the outstanding balance which accumulates at the end of 0% intro APR period should be available with you so that you can dispose off the loan before a high APR rate is slapped on your account.
These precautions and questions when taken care of can make owning a 0% intro APR credit card truly rewarding one. Read more about it at: http://www.credit-card-gallery.com/article/271,Using_the_0_APR_credit_card_to_your_maximum_benefit |
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