 If I don't plan on ever buying a new car or buying a house, should I not care about having good credit? |
| I think i'll never buy a house and I always get used card and pay cash for them. Why should i care if my credit is not good?... |
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 Yes loans have offered me a loan? |
| yes loans have offered me a loan for £2000 at £65 a month the interest is an extra £1200 this is the only sort of place were i can get a loan as i have a really bad credit rating . do you think ... |
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 Should I report a family member for credit card fraud & identity theft? |
| I'm debating turning in my Aunt. She is a cleptomaniac and she steals people's identity to get credit cards in their name. She is out of control. I love her but she needs help but I'm ... |
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| I'm trying to get a home loan. Do you have any tips? (considering the following)? |
Theres going to be me and another person, but both of us have no so good credit scores. We're both working on it, and we have about 2000 to put down.
Any tips would be greatly ... |
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 Serious question: What happens when you get married to someone w/ terrible credit? |
| I have excellent credit & I’m getting married to someone w/ terrible credit, tax leans, & such. What will happen to me when we get married will my credit get ruined? Should I not change ... |
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 What would two 18 year olds need to do to rent an apartment with no credit history? Is it possible? |
| What would we have to do to get an apartment? How do we get credit? If our credit isn't bad because we haven't used it, can we still be approved? Would we have to co-sign with a person ... |
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 Using a Credit Card to Pay Off a Credit Card? |
Does anyone know a way to use a credit card to pay off a credit card and in the process no interest is accumulated?
Additional Details
Lets say I have two credit cards. I use one and ... |
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 PayPal, eBay question? |
Does the seller have to pay the PayPal fees if I pay for an auction item with a credit card through PayPal? Are there any other rules on this for eBay?
Additional Details
I have a ... |
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 Should I ditch Capital One, and get a new credit card? |
Hey Guys!
I'm Alex, and really need your advice on this subject. I currently have a Capital One Visa credit card, but seriously thinking about canceling it because I've heard so ... |
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 My husband filed bankruptcy before we got married, I need a new car..........can he cosign for me? |
| I need a new car and I need a cosigner, come to find out, my husband filed for bankruptcy and he didn't even told me until now. The good news is he is about to get discharge, but I need a new ... |
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 Is Debt Settlement a good alternative to bankruptcy? |
| Does Debt Settlement restore your credit in fewer years than bankruptcy if your can't afford debt consolidation?... |
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 Should I get a credit card? |
| I am 19 years old and I want to build my credit up. Would it be a good idea to just get one credit card, a very basic one, and then charge about 50-100 dollars a month on it, and pay it every month. ... |
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 Is a credit card safer than a debit card? |
I know what the difference is in terms in getting credit, but not that is what I'm interested.
I want to know if its safer, for example I've heard that if I make an order using a ... |
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 My parent's credit score isn't good enough for me to buy A new Computer! What do I do? |
| OK, so I'm 14 and we have a family PC that is really crappy. I want a Dell that is only 18 dollars a month, which I can afford. But my dad says his credit score isnt good enough, so I have to ... |
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 Since I paid off 3 credit cards, should I just outright cancel all 3 of them? |
| I have 3 store credit cards that I just paid totally off this week. The only other credit card I have is a Amazon Visa. Since the Visa has a lower intrest rate than the store CC I carry.......it is ... |
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doug k | What can a credit card company due if you cant pay payment? |
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Country girl
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They can ruin your credit, and get a judgement through the courts and wind up garnishing your wages. In the meantime the interest charges keep adding up. Your best bet is to call them and make some kind of arrangements about a reduction of interest and a payment you can afford. |
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Trisha
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They will continue sending you bills for six months. Then they will write the account off and send it to a collections agency. The collections agency will harass you to no end and drive you absolutely insane; all the while, the money you owed is collecting interest so you owe twice as much. If you make an effort to pay, they will probably be willing to settle for about half of what you owe. This will also have a negative effect on your credit report. |
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Juillet
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they put you on bad credit and its listed on your credit report; then they give it to another to try to collect |
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Kutekymmee
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they can pass the payment on to a collection agency, ruin your credit rating, and possibly sue you for payment. |
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thunder2sys
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cancel the card and then send your account into collections. You are better off trying to make minimal payments and if you can't make the minimum call them and try to work out an arrangement that you pay something each month. Problem is the finance charges are going to be huge and until you pay the card off its going to be a long road dealing with the monthly finance charges. |
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CrysV
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Aside from ruining your credit? Not a whole lot, really. After a while they will refer your account over to a collections agency, who will hound you pretty much night and day. But they can't garnish your paycheck or anything like that. Still, the credit thing is a problem. Bad credit can make it hard for you to get an apartment or a loan or other cards. Also, the lower your credit score, the higher the interest rate you will be offered on everything from credit cards to mortgages. Best to just pay up. If you can, call them and talk to them about a payment plan you can live with. |
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gigischildcare
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It depends on how late the payment is. Sometimes if you call them and explain the situation they will let you make up the payment of a couple of months. Don't feel bad though we all fall on hard times occasionally. |
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mommy2be in march!
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talking from experience. I wasnt able to make payments......they first call you and harass you and send you TONS of bills and paper work. then after 6 months will write off your card and send it to collections. Collections will have it for a while harrassing you even MORE EVERYDAY like 3 times at least.
For me after it was written off they only wanted the payment in full. They wouldnt even allow me to try monthly payments. Even though i could send like $100. They said in full or nothing.
Then they send it to an attorney, threaten to sue you......then you go to court....bla bla bla its horrid |
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Born Again Atheist
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They'll send you overdue notices for a while then pass your account to a collection agency. When that agency gives up they pass it onto another agency then another. All the while they send you notices to make payment and call you constantly. Eventually if they want they can sue you. My boyfriend stopped making payment on his Visa and Discover card about 3 years ago. Discover gave up and left him alone after 9 months but every now and again Visa has a new collection agency that sends him a letter. |
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Ms. Denton Lone Star â„¢
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They will charge you for late fees at first, & then later if you still can't make payments, they call you constantly to try to work out a payment plan (harrass you & try to threaten you out of money that you don't have), & if that doesn't work out, then they send you to collections & it messes up your credit, & if that doesn't work, then they finally sue you. |
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kiki
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They will take your first born child |
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earthangel_candy
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They can hike the interest and raise the payments.that's about it. then if u still cant pay they can put a Lien on your house if you own 1. They can call & aggrivate you but thats about it. |
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ginabgood1
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Are you talking about a single payment or not being able to make any payments - there is a huge difference. If it's a one-time thing, the worst thing you can do is just let it slide - call the company immediately and make arrangements to pay it next month - most will accomodate that if you have a good history with them, thereby keeping it off your credit report. Keep in mind almost all credit card agreements allow them to hike the interest rate astronomically if you miss a payment without making arrangements. If this is an ongoing problem, they can seek judgement against you. Collection agencies can come into play, but here's a tip - you NEVER have to legally deal with a collection agency. All you do is send them a written letter stating "My debt is not with you and you are hereby notified that you are not allowed to contact me in any way, shape, or form following receipt of this letter". Send it certified mail return receipt requested. Never, ever, commit to payments through a collection agency. Once you talk to them, you have a legal and binding contract. Talk to your credit card company today. |
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