 Is it okay to cancel credit cards that you no longer want? |
| My friend told me that if you close a credit card account that you no longer use that it looks bad on your credit. Is this true? For example I just applied for a United Airlines Visa card that is ... |
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 Are capitol one credit cards really better? |
| I had this card for about a year, I paid 100$ this month i bought about 70$ worth of stuff, even with a zero balance I would still have around 20$ , 10$ for charges, well i checked my statment and ... |
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 How quickly can a credit score go from 400 to 700? |
| lets say i start making regular payments on a condo.. car.. credit cards... phone bill.. electric bill.. cable.. car insurance.. over a 6 month period of time... would it go up 200 points?... |
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 Close Accounts? |
Hi, I have the following accounts:
Mastercard- $0 balance/ limit $700 opened 8/1/05
Cap 1 Visa- $0 balance/ $500 Limit opened 11/1/06
Dell Acct- $0 balance/ $2000 Limit opened 10/1/06<... |
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 If credit card debt comes off of your credit report in 7 years anyway why should i try to pay it? |
| I am in debt from when I was on maternity leave and I did not have a paycheck for 6 weeks. I am still having money problems and I can't pay the credit comp. all of the money they want, most won&#... |
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 Advice for Cleaning up Bad Credit? |
| Hi, I have pretty bad credit and want to clean it up but dont know where to begin (besides obviously paying off debts etc.). Is there a good online service that can provide you guidance on what steps ... |
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 I have not been able to check my credit report Is this mean im doing good? |
| So i havent checked my credit report or nothing since i turned 18 in May of 2007..(DUH) and I got approved for a Chase Freedom awhile back and today got approved for a Capital One card does that ... |
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 Credit card question? |
| If I have a balance of $351 on a credit card and the interest rate is 29.99 % APR how much will it take me to pay it off if the min. payment right now is $50. Also, How much money will I lose by not ... |
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 Who can I contact in regards to a law firm harrassing me about a credit card account I have no knowledge of? |
| I have been contacted by a law firm who is threatening to sue. They only have my name. No phone number (They called my parents?), no address, NO SOCIAL SECURITY NUMBER, nothing on any of my credit ... |
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 How can I up my credit score 10 points - FAST!? |
| Im trying to get a mortgage, and FHA loan and my credit score is on 570. I need a 580 score to qualify. I have opened to credit cards and have been paying them on time, they have helped my score a ... |
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 Should I pay off old debts to improve credit? |
I have a few negative credit marks on my report.
I was wondering if I should pay off debts that are only like 2 years old because I am wanting to finance a car and eventually a home...
I ... |
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 Where can you get a FREE credit report? |
Now, I'm not talking about a website where you are ultimately charged for some sort of package or program -- JUST the credit report itself.
Help?... |
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 How to Cash My Check? |
HAPPY CHANUKAH!
so I recieved a check for my chanukah from my uncle, how do i cash it? I mean I do not have a bank account at all and I am not going to get one either so how do i cash a check?<... |
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 I need some extra cash? |
| I work full time but really need some extra cash I would be willing to work from 6pm - 11pm most nights and also weekends. What type of job could I find that would fit in with those hours also any ... |
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 Bad Credit At 18..but before I was legal.It Wasn't' Me.Help Me? |
| I have just recently turned 18 years old last month.I applied for a credit card but was denied. So I decided to check my credit report.Anyway,I discovered that things such as credit cards were taken ... |
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 Have you ever been in over $50K of debt, & eventually got out of it? Is it possible? |
I'm talking about credit cards, student loans, lines of credit, financing cars, homes, etc.
How did you do it? I know you had to work, but did you have to work enough to be ... |
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Chris | What does 0% interest on purchases on a credit card mean!? |
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Jeffrey T
 |
It means if you charge up $500 you have to pay back $500. Most of them have an ending date on them though and after that they charge interest. But if you pay it off before that date you won't pay any interest. |
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Robert W
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It's a teaser APR. You don't pay interest on purchases made for a certain time period, then later you pay like 19%. Look at the terms and conditions before you sign up for this.. They're not in business to give you a free loan. |
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KathyS
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Credit Card companies do this for a certain amount of time to get you to sign up for their card. It's called a teaser rate. After the certain amount of time is up, the interest rate goes up.
0% interest rate means that you pay back dollar for dollar on your purchases...there is no interest you have to pay on top of your actual spending. |
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Lea
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Debbie is right. 0% on purchases only but not cash advances. This is probably introductory offer and if you miss
one payment or one day late the creditor will take your 0% away and charge you probably 15% so be careful. |
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Jane S
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It means you aren't charged any interest NOW but you'll end up paying it on your purchases anyway in the end. It's a gimmick to get you to spend more money than you can afford. If you make ONE late payment on this or any other credit card (read the fine print) they can hit you with amazingly high interest! |
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Pete
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That they wont charge interest on purchases. |
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Cleobird
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Its a teaser rate, designed to get you involved. Most teasers last 6months, a few a year.
The best way to get "0%" perpetually is to pay off your balance in full each month. Most companies offer a 25-30 day grace period on purchases.
You can easily take advantage of this grace period by using your card, and then come payday paying it off in full, and then using it again. Assuming you get paid twice per month, you will never go over the grace period, will improve your credit, get a higher credit balance, and will always pay 0% interest. |
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Bizarre
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It means you won't be charged interest on purchases. Be wary of this. I have never heard of 0% interest on purchases. You will be charged if you take cash out on your credit card though. And this may mean you will not be charged for a certain number of days only, then you will be charged. I would check with the provider of this card about all possible charges. |
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tom4bucs
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you only owe what you charge
however - miss a payment or even late, in some cases
NOW interest will add up from the date of purchase
on $100 you may owe an extra $2 for the generousity of your credit card company - and that 's each month until paid off
all the best |
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