 I want to consolidate my credit cards? |
| I have about $12,000 in unsecured debt from credit cards. I plan to pay two off soon, but that still leaves about $10,000. I am paying the minimums and have a good credit score (730), but my ... |
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 HOW can i improve my Credit? |
| I have no credit cards. I have no loans outstanding. I do have a past chapter 13. Paying on al old accounts. So what else can I do to improve my credit..... |
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 I have 16 credit cards.. Is that bad? |
I have 16 credit cards, however, 2 of them are Business Cards (so they aren't even reported to my consume credit report, but instead to a Dunn and Bradstreet credit report?)
I have 14... |
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 When paying off a credit card, is it better to close out the account or keep it open? |
| I got a loan to pay off all my debt and am not planning on using any of the cards ever again. Which looks worse on my credit: keeping the cards open but not using them, or closing them out ... |
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 What happens to an existing car loan if I were to buy another car? |
| I bought a car in 2003 and owe about $8000 on it but am thinking of buying a new one. What will happen to my existing loan if I were to buy a new car? I would still owe that right? Would they just ... |
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 Craigslist Scam? |
| Hey everyone, i sold a phone on Craigslist and a buyer was interested so he sent me an email saying that he would send me a check for $2,500. What i am supposed to do is cash the check, take $200 ... |
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 Can someone give me some suggestions on how to get a collection agency off my back? |
I have a collection agency thats bugging me on paying off my Visa credit card and at the present time, I just don't have the funds or anyway of paying it off...
They keep calling me ... |
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 What is 28% of $200.00? |
| I have a credit card and Iam also trying to figure out how much I will owe If my APR is 28% and my balance is $200.00.... |
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 Credit cards? |
| if i had a credit card, would i be charged interest even if i didn't spend anything on it?... |
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 What is it with all the stuff about paypal? |
have i missed something??
Additional Details
it's doin my head in ... |
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 Are there any credit card companies that will let a 17 year old sign up for? |
Are there any credit card companies that will let a 17 year old sign up for?
If you know of one please leave their website address below.... |
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 I have no credit rating how can i get a credit card? |
| i cant get a card anywhere because i have no credit rating. how can i get a credit rate when nobody will give me credit. what do you have to do!!!... |
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 Aren't credit card companies some of the biggest crooks around? |
| I just went over on my credit card by a few dollars because the company decided to give me a 34 day billing cycle this month. My interest was 181 and I only had 177 available credit. I paid enough ... |
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 How do I pay off $190000 in studen loans? |
| So, when I took out $175,000 in student loans to get through lawschool, pay back didn't seem like it would be a problem. However, I have graduated to a bad market and with substantial health ... |
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 I owe $100,000.00 on 22 credit cards. However, I can't afford to pay them. What legally can they do to me? |
| I know they can sue me in civil court and get a judgement against me for the owed amount plus other fees. I wouldn't even be able to pay the judgements! Will the judgement cause me to have my ... |
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 Are there credit cards for people with bad credit? Where do I get one? |
| My life is more established and I would like to get a credit card. However, I have bad credit, is it possible to get a credit card? Any suggestions...?... |
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victoriaelaine2004 | What is the best way to get rid of a credit card? |
I have an aspire credit card which I haven't had any trouble out of but I want to get rid of it before its time for the annual fee of $150. What is the best way to get rid of it. Cancel it and then pay it off or pay it off and then cancel it? And if I cancel and then pay off will that hurt my credit? |
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princesswhitepaw
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first of all..how long have you had the account??? the best way to get rid of it..is do a "settlement". that will be 90% of your balance, and make sure that you tell the agent that you want a settlement. i am a collector for this company. you can call 1-866-670-5069 to do a settlement. also if you've had the acct. for a year your annual fee will be about $89.00. |
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Amanda H
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YOu usually cant close an account iwth a balance.
Consider calling them, if you've got a good payment history, and telling them you're going to cancel if they dont get rid of the annual fee. If you've been a good customer they might do that.
For your credit, you want to keep the same accounts open as long as possible (They like long-term history) so try this first before canceling. |
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WillyC
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Cancel the account & destroy the card. Then, pay it off as soon as possible. As long as you make timely payments, it shouldn't hurt your credit. I don't know if you can get out of the annual fee, but they should at least prorate it. |
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JD
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i don't know if your credit card company will allow you to cancel and pay it off or not, or there might be some deal where if you cancel, they will expect you pay the amount you owe in full on your next bill. it only makes sense, as they couldn't allow you to continue to have a bill with them after you have cancelled the account. best bet, just call them and ask them. i don't know how large your balance is, but if it is too large, it might be unrealistic to expect to avoid the next yearly fee.
you could also try transferring the balance to another card; that is a good way to get a new card, because they love to accept balance transfers and get you set up with a new card--you might be able to find a better rate and a better card, without an annual fee, that way. and that you can do really fast, before the annual fee of your current card kicks in. good luck! |
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E-Rock
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Tell them you want to have that fee waived... if they dont... call another place and set up a new card. xfer the balance and then cancel the card... if you have been in good standing with them, they should waive the fee.
Take the good customer route first, if that doesnt work. claim "FINANCIAL INSOLVENCY" - say you are having to choose between paying bills or your credit card bill and if they dont waive the fee you will have to go delinquent...
But to really get rid of a card... throw it on a bar-b-que... thats the best way to get rid of it. |
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canela
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You can call them and cancel it and then continue to pay it off. If they tell you differently call back and get someone else. |
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Mickey
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You can cancel a card at anytime. This of course does not mean that you are not to pay off your balance still. IF you have good credit you should know that leaving credit cards open just make sure not to use them actually helps your credit score. I HAD BAD BAD credit years ago from my Ex maxing out all my cards. It took me several years to pay off the $11K's but it was done. My credit was horrible because of all the late fees and such. Well now I have awesome credit and all 3 credit agencies report my score as 'Excellent'. I paid off all my low c/c's canceled all but one card. That is put away in my fire box for emergencies. And I transferred my high balance card last year to a 0% interest card for 12months. They say to leave credit cards open (just do not use them) and it reflects good on your credit reports. Just like 2 or so cards. Just a little extra tip. I canceled my crappy cards that were charging me an annual fee... |
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kcincon
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First, call them. See if you can change to a no fee card. That way if it is an old credit file, you'll keep it open and it will help your credit rating. If it's not old or they won't change you to a no fee, close it after you pay off (or rather transfer balance to your new, no fee card - the cost should be less than $150).
Second, if you are closing the account, make sure you call of write to do that. A $0 balance does not mean the account is closed.
Hope this helps! |
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chellie
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You can try to get a credit card that doesn't have an annual fee. Try through your bank. They also usually have a 0 - low interest rate for transfers. Transfer it over close the other account and save some money on the interst rate. Don't do this too often though. Too many accounts will hurt your credit score. |
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momof1qt
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Pay off the card before the annual fee is due then cancel the card by calling them to cancel the card. Make sure you shred the card as well. It will not hurt your credit as long as the payments were made on time. |
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Ingrid D
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pay first and then cancel the account. |
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karaktergurl
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pay it off first. then get rid of it and cut it up. |
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lazbell@sbcglobal.net
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cut it up lol |
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latanikagrant24
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The best way to get rid of a credit card is to call and cancle it, than cut it up with scissors. |
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pattibcacl
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pay them first then cancel then take a pair scissors and cut the card up |
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