 Money budgeing HELP!!!? |
I am in the same situation as many people I make enough money but still somehow have none let over for cushioning
Auto-$442
Insurance- $127
Rent-$733
Cell-$60
Cable-$35<... |
|
 Is it true if you pay at least 10.00 a month, then something cannot be put on your credit report? |
| Is it true that if you pay a small amount each month to a creditor then they cannot put it on your credit report? I owe about 800.00 and some people have said that if you send in 10.00 a month to ... |
|
 I has a payday loan that I did not pay, what can they do to me? |
| Can it be theft by check or what? I have some law office calling giving me all this theft by check information. are they just bluffing or what? I cant pay it right now?.?.?.?.?.... |
|
 I use a prepay electricity meter, and the credit has gone, I have no money until Friday what can I do?? |
Additional Details
I have 14p left and I have already asked everyone I can think of, to borrow money.... |
|
 I'm looking for a good "1st" CREDIT CARD. Who should I go with? |
| Some factors to consider: Im a recent college graduate, I live in southern California, I've never had a credit card, I have no credit, and my main reason for getting a credit card is for use in ... |
|
| Solo or Visa Electron? |
| Which debit card would you choose if u had to? or which one is popular? which one is used most?... |
|
 If/when i pay off my debt how long will it take to come off my credit report.? |
currently i have 5 things on my credit report.
2 of them are student loans, im good on those.
the other 3 are in collection.
those are:
apartment $5,065
verizon $451
... |
|
 Whats a good way to build my credit?? |
| right now i have fair credit, but i just want really good credit, are there any good ways to build my credit that wont take a long time and that isn't a big hassel. maybe some small things that ... |
|
 I stopped paying my 13 credit cards on August 2006 when will negative info no longer be in my credit report? |
| My understanding is the negative information is only allowed to be reported on your credit report for 7 years. So since I completely stopped paying my credit cards last August "06" should ... |
|
 I just found 5 credit pulls from a mortgage co, every 2 months. I have not, nor would use this lender. help? |
| My sister works as an underwriter there and our relationship has had its troubles. I would never give permission due to this. it is affecting an otherwise excellent rating. what is my recourse?... |
|
 I owe a couple thousand dollars on a couple credit cards, I lost my job and cannot pay them..not now,anyways.. |
| ..what, if anything, can these credit card companies do to me in the event I don't pay them? I have heard that since they are unsecured,signature type loans, they cannot do anything except ruin ... |
|
 Why do credit card companies sue people? |
and why are there so many people who try to justify it?
Additional Details
I am NOT a deadbeat. I am a full-time student and I was out of work for a long time.... |
|
|  |
Chas | What can I do about high interest rate credit cards? |
Can I transfer my balances to other credit cards with lower interest rates? |
 |
 
lesaint770
|
Yes, if you can get a better card. Most of the time, you have high interest cards because you had bad or no credit history, so if you have changed that, then you might have a good opportunity.
Shop around for a card with a good offer on transfered balances. It's just a matter of comparing the different offers you get in the mail. You can get like 6 mos or a year without interest with some cards on transfered balances. - BTW, don't put down your transfer balances on the application itself, bc you don't know yet what interest rate you will get. If they give you a good one, THEN you should transfer the balances.
Look out for annual fees. Avoid them like the plague. Most cards with annual fees are the reward points variety, which are only a good deal if you REALLY do use the rewards program all the time.
In a market with rising interest rates, you should go for a fixed interest rate card. In a falling interst rate market, you want a variable rate card. Right now interest rates are stuck, so I don't know what to tell you on this. |
|
4knowledge
 |
Contact the institutions you have your cards with currently and ask them to lower your rates as you are trying to get out of debt. |
|
traffic816
 |
Go found another low interest credit card. Most have one year O% transfer rates.
here to help you found it
http://www.bestcreditrates.net |
|
Rusty
|
pay them off would be the best |
|
mndsisco
 |
yes but if you don't have good credit your gonna have to deal with high percent |
|
mc
 |
Yes you can. For starters, check out 'best credit cards' under Yahoo shopping. They offer balance transfer cards for those with bad to excellent credit up to x amount of $. Also some credit unions may offer you a much better deal than you are getting now. There are too many credit card companies who charge enormous interest fees. No wonder so many people never seem to get out of debt to them. Anyway, by doing your 'homework' you will find a company or 2 that offers much better rates than you are getting now. Happy shopping for a much better rate. |
|
greeneyedevil
|
No - because if you have high interest rate credit cards, your credit is probably too bad to be able to get a low-interest card with sufficient balance to cover all of your debt. |
|
sexytrojan
|
YES! Use those offers to your advantage!
I had several high interest credit cards (1 was a Visa and the others were department store cards). I opened my junk mail out of boredom one day and found an offer from my bank for a card with 0% interest on balance transfers. I applied for the card, transferred the balances, and cut up the high interest cards as well as the new card from my bank.
I am paying of the new card within a year. I cut it up because if I made any purchases on it, the purchases would accrue interest until the transferred balances are paid off. |
|
scottFL007
|
Best answer: pay them off.
Next best: transfer balances to lower rate cards. Just remember that you'll probably be paying a big fee to transfer, so that almost defeats the purpose. Unless you're paying 20% plus, just leave it alone and work on paying it down. |
|
runs_with_scissors
|
Yes. You should do that, or consolidate them into a home-equity loan, if you qualify. |
|
rsist33
|
Pay em off, cut em up and send em back |
|
oracle
|
transfer balance to low/no introductory rates, pay on time and you'll eventually get offers for lower fixed rate cards. |
|
Frank Castle
|
1) Transfer your debt to another bank.
2) Yes. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 18 minutes(s) ago
| | | |
12 | 55 minutes(s) ago
| | | |
7 | 1 hour(s) ago
| | | |
5 | 4 hour(s) ago
| | | |
12 | 6 hour(s) ago
| | | |
12 | 8 hour(s) ago
| | | |
12 | 2 day(s) ago
| | | |
12 | 3 day(s) ago
| | | |
11 | 1 week(s) ago
| | | |
12 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
