 How many points does a credit score drop with purchase of a house, late payments and credit score inquiries? |
| any other point dings - specific numbers that would decrease a credit score? I purchased a house three months ago with an A+ credit score and last week tried to take out a small loan for a boat and ... |
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 Question about a creditor/taking you to court? |
| June of this year i got a creditior calling me up and demanding 2k from me now. I asked what is it for he told me it was a capital 1 account open 7 years ago. I told him i dont recall that and i am ... |
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 Is there a way to clear bankruptcy on your credit report? |
| I filed bankrupt about 2 years ago. I've considered contacting the creditors that were involved to see if they'd work something out with me as far as my paying these debts off. I'm ... |
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| What should I do about crediters threatening legal action? |
| I haven't been able to pay any on my dell account this last year.. due to the fact that i'm a college student and don't have alot of money. I was planning on paying the debt off this ... |
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 Home financing for credit scores of 480 and 580? |
| My husband and I would like to purchase a home but I just don't see the light at the end of the tunnel. We both have bad credit and recently had to be late on a couple of payments due to him ... |
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 I need to get a loan in the next 48 hours with bad credit...any suggestions? |
| I am in need of a quick loan of a substantial amount...with bad credit. I need for this to happen in 48 hours, I am in serious trouble, and anything direction that someone can point me in would be ... |
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 How can i repair my bad credit? |
| im out of bankrupcity how long do it stay on my credit ... |
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 Question about credit and credit score? |
| My spouse and I have pretty bad credit right now. We owe almost 14k (all credit cards) and both have poor credit scores. However, we have come into some money and are planning on paying off all of ... |
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 Where do i report banking fraud id theft to someone is trying to open a transfer account with HSBC in my name? |
someone is stealing my I,D to open fraudulent bank transfer accounts.If i respond to the bank number it will activate the fraudulent
account how can i stop it,i cant't get in touch with the ... |
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 How can a teenager get a credit card? |
Additional Details
Can I shop online with a debit card?... |
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 Credit cards? |
can u pay ur credit card bill with a money order?
Additional Details
what is the best card to get for just turning 18... |
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 What should my disabled mom do about her past due credit card debt? |
| My mom has a past due credit card blance of $3,100 from one credit card. She got it right after my Dad passed away and for the first year she kept up with the payments but after that, the credit ... |
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 I have a credit card (balance was 10,800) that was just turned over to collections....? |
The collection agency is telling me that they/credit card company will liquadate my assets if I can't pay balance in full. I dont have that much money and can't pay it in full.
Does ... |
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 How can i find out if there are any credit cards under my name?? |
| i was wondering how id be able to know if someone has a credit card under my name. my social security number was on top of my table in the lving room and i had a small gathering and so i would like ... |
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 Should I pay my credit cards minimum amount or should I fully pay it off? |
| Every month the minimum is about 15 dollers and I pay that off, making the full amount easier to pay in one shot. Should I just keep paying it off little by little or should I do it all in one shot? W... |
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 What is the incentive for merchants to let you pay by credit card? |
| for every transaction taht you pay the merchant with a credit card, the credit card company charges them a fee. why would merchants agree to letting you pay by credit card then, when they have to pay ... |
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starlight00603 | What happens if i schedule a payment,but then take out the money...? |
ok,i owe a credit card money,i told them i'll have lets say $100 in my bank acct for them to take out by the 18th of jan. But i now need thoses $100,what happens if i take the money out even if i had already told them my bank info & that it was gonna b there,what would happen? |
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SkyPilot
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You will wind up having additional fees charged against your account. You need to get your finances in order and not intentionally overdraw your account. That is a crime. You could do some jail time if they prove you knew you didn't have any money in the account. |
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roderick_young
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One of two things will happen. If you have close to $100 left in your checking account, the bank may pay it anyway, but will charge an extra fee besides what you owe.
Or, more likely, if the account has almost nothing in it, and has never really carried a high balance historically, the payment will bounce like a check. You would be charged probably $30 for *not* paying by the bank. Then your credit card would charge a late fee for missing the payment, and start charging you interest on everything you buy until you clear your balance with them.
If you really need the money for something else, go to the credit card's website and cancel your scheduled payment, or better yet, change it to pay at least the minimum payment.
Are you sure you can't somehow make the credit card payment? It sounds like you could be headed for big trouble if your balance keeps going up. It may be time to cut up that credit card. Seriously. I'm only saying this because I care.
Hope everything works out for you. |
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mr_j_evans
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Either your credit card company won't get the money because the payment will bounce (just like a bad check) OR, if you have overdraft protection on your bank account, your bank account will go into overdraft. Either way, you will likely be charged a fee by one or both companies, and you'll damage your credit rating, mean you'll be paying a higher interest rate. You should phone your bank and the credit card company and tell them the money won't be there. |
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skaizun
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Your bank and credit card do not communicate with each other. Neither cares what troubles you are having with the other. You will face bank and credit card penalties, finance charges, fees, etc, and potential bankruptcy, followed by a bad credit history which could take years to wipe away. Whatever your situation is, you need to take control of your finances, now. Try to get help from your parents, family, friends who are willing to take a chance on you, etc. |
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Maris
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You'll be overdrawn and your bank will change you whatever fees they have for the overdraft. |
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KIRSTEN P
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If you scheduled a payment and the money is not going to be there the first thing that I would do is call your credit card company right away and let them know whats going on, you may be able to get them to move the date that the money would be in the account. If you do not have the money in the bank you will not only get charged a fee from your bank but also from your credit card, and also maybe not just one time but up to two times depending on how many times your credit card company tries to withdrawal the money. So in short, contact your credit card company first thing in the morning. |
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jcgimp@sbcglobal.net
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your account gets overdrafted |
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richard t
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you will go on the bad credit list.......no credit cards.no loans..............lots of stuff |
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lisa s
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quick question...is whatever you need that $100.00 for worth repaying $200.00?
if your bank gets that debit for $100.00 and the money is not in there, like the other posters' said, your debit will bounce just like a check....but what others have failed to mention is that your credit card company will charge you late fees ($35.00) assuming that this card is scheduled to be paid on the last possible day allowable
IF you are more than 30 days late paying this card, just in time for valentines day, you will get a love letter from your credit card company telling you all about the new interest rate that they have for you...it will be at least 26%...Is the new pair of shoes (or whatever you are thinking about buying) worth it? |
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