 What is the best card to build credit.? |
Please provide:
Link to Apply?
Name of Bank?
Type of card?
Yearly fee?
Monthly fee?
Why it will help my credit?
Your ... |
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 College student with huge debt from my boyfriend...help!? |
| My boyfriend left me with a $4000 cingular bill. It is way past due. I've been making many payments. I still owe about $1200. I learned my lesson this time, but meanwhile I don't know ... |
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 Debt Consolidation? |
| I have several credit cards, all of which have substantial balances (totaling about $14,000). I'd like to contact one of those debt management programs to see if I can consolidate my bills and ... |
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 Establishing and keeping good/great credit? |
| Hi! I'm 21 and new at this whole thing. I admit I don't understand much about credit and stuff but I am learning. My parents had/have pretty bad credit. The problem for them was a bunch of ... |
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 Harrassed by Bank of America credit card collection agent? |
| A women from the bank of america credit card collections agency keeps calling my phone calling me Amy and saying that my account is in collections and I need to pay if off! Well for one I've ... |
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 I missed my credit card payment with AMEX by 2 days, how bad will my credit score be? |
| Unfortunately this is my first card and my first month payment that I missed as well.... |
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 Is this some kind of joke? |
phoned a garage to buy a new car, i needed to borrow £4000 to buy the car i wanted so asked them to sort me some finance out.
they said the finance company will phone me back soon.
... |
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 Credit check? |
People say their credit is like 700 or something. How do i check my credit and what is good credit? How can i check it without paying stuf!?
Additional Details
I accidently payed 7.97 ... |
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 Job interview tuesday,why do they need a credit check?? |
| i have a great job offer,pay,benefits however they do a background and credit check.this is ridiculous,i'm ok with criminal bg check but why credit check? wouldn't be too good,my credit,... |
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 What is a good unsecured credit card to get after you file bankruptcy? |
| I need a relaible card with a high limit, low annual fee, and low APR but that is unsecured? I filed bankruptcy a year ago and want to work on getting my credit score up???... |
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 Is Amazon safe to buy from using credit card ? |
| Hey am thinking about buying the PS3 with a few games from Amazon.com, am using my girlfriend's credit card and she's really scared about losing her money. I don't want her to lose ... |
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 Someone used my credit card and told me they would pay me back but haven't, can i sue them? or just deal? |
| An ex boyfriend of mine you'd my credit card to make ALOT of purchases. I alowed him with the agreement he'd pay me back. But has not and it's been over a year! The credit card yes, ... |
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| Credit scoring confusion? |
| I had a credit card back in the 90's. I closed it in 2001 with a balance of $5000 when I got laid off. I tried to keep up the payments but couldn't and stopped paying. It is now on my ... |
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 Do I need to pay off a credit card statement balance and recent activity to build credit? |
| When I recieve the statement of my credit cards, it tells me the statement balance for example is $100. It also shows recent activity since my billing cycle ended, for example lets say $25. I have ... |
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 I need some credit and i have no money what can i do? |
| for my mobile i'm only a kid but still i need 2 soalist (can't spell oh well) and my parent dont get payed for a while is there anyway i can get free tx's with oyut spending my money?... |
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 If I went to a real court,judgement against was rendered by a phony judge, do i need to pay judgement? |
| I went to court in cook county circuit court after my credit card co. who told me i was in good standing, alledgedly sued me for a judgement on a credit card fraud. the small claims court judge turns ... |
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 How do i get a credit card when i have bad credit? |
| most credit card they send the states one i want to try to fill one in for ... |
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 Best way to improve credit score? |
| My credit score is bad. I was young and dumb and now I'm paying for it with a score below 600. Its hard for me to get a credit card application approved if I apply. I make good money and in ... |
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Robert S | What is the best way to pay off a credit card with out being raped with interest.? |
Additional Details
The chedit card I have is only $360 but it seems the more I pay the less goes to the principal. It si the only credit card i have and If I could find the responsible person for the charges I would shove it up their ***.
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src50
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Pay off with cash, period. You'll never get anywhere making the monthly minimum payment. |
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Serge M
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The best way to pay off a credit card is to write a check for the full amount owed and send it. To avoid interest, simply do not charge more than you can pay in full each month. To maintain a good credit rating, do not charge more than about 30 percent of the credit limit.
If you can't pay the balance in full, stop using the card and pay off as much as possible as quickly as possible. If you can pay off the card by borrowing the money at a lower rate than on the card, do it and pay off that loan as quickly as possible.
Finally, the trick is not to get into credit card debt in the first place. It is the worst kind of debt you can have, and credit card companies love to have you as a victim. |
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dc87
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You could get a new credit card that is interest free for a certain amount of time, like 6 months or whatever, and then transfer the remaining balance of the old credit card over to it. |
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jeremyduffy.com
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I swear. Most of these answers are just giving you snarky comments about spending more wisely and ignoring your question.
Dc87 is the only correct answer which I'll state again in case you missed it. If you have the credit-worthiness, the BEST way is to apply for a new card and transfer the balance to get the no-interest period that so many cards offer.
This way you pay NO interest for as long as you can keep doing this, but make sure to attack those payments as well. Whoever said F*dge the savings was right. If you're carrying a balance on ANY credit card, it's finanical suicide to have money in savings compared to paying off your debts.
For the future, you might consider a credit-free lifestyle which I recently got tuned into from a book I read (link below). In the book the Author talks about how to get completely out of debt and stay out of debt forever. |
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Wanderer
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You have a few options:
1) If you have a line of credit with the bank you can use it to pay the credit card debt since the interest is usually less than 10% compared to the 19% or more the card companies charge.
2) You can also get a "new" credit card using one of those offers where if you transfer your balance the first six months interest is really low (sometimes less than 5%)
Then make payments as often as you can. ie) if you are going to be able to pay $400 per month toward the debt than pay $100 per week rather than waiting until the end of the month to put the $400 on it (daily interest adds up pretty quick so every day counts).
Lastly, when you look at your credit card debt each month include ALL your credit in the calculations. Don't use your lower interest rates as an excuse to run up more bills.
Hope this helps.
PS. what kind of card does Tanod_2 have? 55 days interest free is way better than my 21 days of no interest. |
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pdevans1963@rogers.com
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as much as you can, as often as you can. no point in keeping savings at 1 % when you have debt at 18 % but it is ok to save and then periodically put a portion back to debt.
.I put all i can to visa exept for 100 per pay and then when i get to 800 i put 500 to visa so i always have emrgency cash but not a bunch
like the guy above said pay it as soon as possible and if you have to carry a balance pay 3 or 4 times the minimum pmt at least. |
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Steve R
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Your payment first goes towards the monthly interest and then the principal. So, if you're paying only the interest, the principal will stay the same. You must pay more than the minimum to reduce your balance. |
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leonardhomes@sbcglobal.net
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In a few simple words. Make bigger payments than the minimum. |
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Croix du Sud/Southern Cross
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within the free 55 days interest free |
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