 Do u ever know what is the cheapest thing on earth? |
| Just Tell me......Course I can't find one.......... |
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 Is it possible to ask for a "credit decrease" on my credit card? |
| My credit card has a $500 limit, but I'd rather have it at around $300 so I'm not tempted to spend the whole $500. If I ask them to make my credit limit 300 instead of 500... can they do ... |
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 My credit score is in the poor range like 500 or so. I owe about 1700 in debt. Im about to pay 500 of it now? |
| the remaining 1200 i will pay monthly hopefully have paid off by october. ( i got 500 back from an old employer ) How soon will my credit score be impacted. Its been a year since my last late pay. I ... |
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 I want a prepaid debit card for online purchases only. Where do I find one? |
| I do not want any credit checks, I don't want to give out my SSN or real name, I have no problems with giving out my address for shipping purposes, but I've been burnt and I will not use my ... |
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 I have bad debts for my credit card.? |
| I was in prison for 2 yrs.My credit card was about 25k, after my release it jump up to more then 50k. Altogether 5 banks. Can I still get a bank to settle all my previous debts. Because to pay one ... |
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 Credit card full payment before due time - how it will affect credit score? |
| is my credit score negatively affected (even if capital one doesn't report my credit limit)? i always pay in full and before due time.... |
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| How many credit cards you carry? |
| How many credits cards you carry? I like to have a VISA credit card since it's accepted to almost anywhere. I like to have an American Express too since I always buy at Costco in bundles and it ... |
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 As despised a credit card is, why do people like them so much? |
| itunes accounts needs them. paypal needs them. ebay needs them. and almost all of internet shopping vendors (read:scam websites) requires you to have a credit card account. but what i see, the ... |
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 How to stop collection calls ? |
| How to stop Collection(debt) calls at my work ? I don even know how did they got my work number ?... |
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 I was really stupid when i was 18 and got my self into debt. I'm now 25 and a little bit wiser but? |
| i now have a terrible credit rating. I would like to get a credit card just for emergancies (i'm now actually good with money!) Which credit card companys in the uk are good for people with a ... |
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 I have bad credit and someone told me I can erase my credit rating by getting a new Social Security number? |
| A friend said that since credit bureau use your Social Security number to report people that I could eliminate my bad credit by getting a new social security number. Is that true? Is that legal?... |
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 What is the best credit card to use?.? |
| I have good credit so far and I want to keep it that way.... |
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 Bad Credit & Credit Cards? |
| When I was in college I did not pay some debts that went to a collection agency and was not payed unitl 5 years after the fact. Now that I am trying to obtain a credit card everyone/agency/bank is ... |
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 Help! I want to repair my credit.? |
| My credit score is bad and I would like to buy a home. I got a credit report, should I start making payments on the companies that were on my credit report or do I have to call them up to make ... |
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 I Cant understand why so many of my friends have debt problems? |
| But yet they want to buy a new car every other year. They want to buy £90 pairs of shoes have 2 holidays a year etc etc. Then they wonder why there credit card is "Maxed out" Why do people ... |
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LS1Rob | What can one do to resolve paying 5 credit cards at a time? |
My brother is paying 5 cards at a time and I think most is just interest.What can he do besides consalodating? |
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tvoya_suchka
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if he has good credit, transfer balances to 1 card or 2 with 0 intrest rate for a year or more and then something low like 8% or less.
if he has bad credit he can attempt to do the same with a higher intrest rate. |
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eleven
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Seek credit counseling from a non-profit organization that offers it. They will advise on debt consolidation, budget management, maybe even filing of bankruptcy if the situation warrants it. |
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mevlana
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Bankrupcy chapter 7 if no house. Chapter 13 if you have a house or major assets to save. Check with a bankrupcy lawyer...a lot of them have free first visit. |
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Dark Angel
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consolidate all of your credit cards using a third-party business, they can help cut payments, and total cost. |
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sigi01de
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Get rid of at least 4 of them! |
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~*Katie*~
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sometimes depending on his credit the credit card companies will let him change his due date, so that they aren't all due at once, or He can do some balance transfers with the card that has the lowest interest rate. Also if he's a good paying customer the card company may let him lower his APR . He just needs to speak to their Relationship Marketing department. |
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june e
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Consolidating the credit cards is the best,
Before consolidating your credit card debts, it is important to carry out thorough investigation to determine its suitability for your condition. Many credit card companies and banks provide debt consolidation services to their customers. To start the process, it is important to scrutinize your debt properly. Write down the interest rates charged on various cards. If the new rate is far below average of the old one, then opt for consolidation as it will be cheaper for you. After you get all the information, contact a professional, to assist you with the consolidation, and get the best offer.
Debt consolidation is also provided by credit-counseling firms. These firms will total up all your monthly debts and let you make one payment to them. With this amount, the firm will pay the lenders till the entire debt is cleared off. But exercise caution while selecting a credit-counseling firm, since some firms do not offer free services. People who have utilized debt counseling will assist you in choosing the right firm. The other option is to go for a debt consolidation loan that has quite a low interest rate. |
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Junipero Suribachi
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He could get five more cards and pay ten of them at one time. |
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james b
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if he has good credit, transfer balances to 1 card with 0 interest rate for a year or more.or low like 3% or less fixed on good credit |
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godainobaka
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His BEST bet is to consolidate through a non-profit consumer credit counsellor like United Financial Systems (http://www.unitedfinancial.org/). They can mediate with the credit card companies and get them to lower the interest rates due on the accounts. This has two effects - it lowers the minimum monthly payment due, and increases the amount of the monthly payment that goes toward principal instead of interest.
They were able to lower all but one of the interest rates for my accounts to from 0% to 10% (from a range of 16% to 29%).
The other thing he can do is to try and mediate it with the credit card company themselves. Sometimes they will be willing to work something out with the debtor, particularly if they have a relatively clean payment record (no missed payments, paying more than the minimum each month, etc.).
He should avoid consolidation attempts which don't directly involve the credit card companies. He should not take a loan, for example, since people who run up their credit card totals once are likely to do so again. If he does this while still paying off the consolidation loan, he would find himself in a worse position than he is in now. |
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