 Does Bank of America have a right to close my credit card without a notice? |
It was my first credit card, and they closed it due to inactivity. Now my credit score will fall because of it. Is it legal to do? The card was in good standing.
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They ... |
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 I have taken bank loan on car.i am unable to pay instalment.wat will happen? |
there wore 48 instalments ipaid 20.my son given car to his friend, he is not paying
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i have taken loan in ... |
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 Let's say i'm negative in my account...i know i cant use debit...can i still use the credit on my card? |
| i have to pay for some important things...my debit card has debit and credit...can i still use credit even though im negative?... |
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 If I cancel/close my credit card...? |
| I have a couple hundred in my balance on my MasterCard. Can I close it? I mean, I don't want to use this card anymore for other purchases, but even after I close it, I'll pay it off. I just ... |
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 I need Help choosing a credit card!!!? |
| at work i got offered a 7.99% fixed apr on a discover card should i take it or leave ... |
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 So how will everyone be spending their checks? |
How will you guys be spending your rebate checks from the government? Paying off debt? Shopping? Saving?
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Oh debt! oh debt! how we love our debts!!... |
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 Credit.......? |
| Does any1 know how to get yr credit rating up (I want to get a lapttop on credit) as to get a credit rating you have to get something on credit but you cant anything on credit until you have a credit ... |
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 Can I just wait out my bad credit? |
| I have really bad credit, from a divorce three years ago. I aquired all the bad debt, and non of the stuff! I have a repo, and a ton of old dilinquent accounts. Can I just wait them out, or should ... |
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 Cosigning for a loan? |
| ok, my wife went to apply for a personal loan of only $1000 dollars. Was told she needed a cosigner because she has no credit. my mother cosigned for her, and she has awesome credit. Between the two ... |
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| Paypal???? |
| do u trust it? anymore online accts like this?... |
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 Debit card or ATM!!!? |
| I want to be able to build credit...Without the stress...How can I make sure I'm doing things right...Credit Card or What...Still a bit young...So...I ask my bank and they said ATM or Debit Card.... |
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 No income but need home loan? |
| My husband and I are preparing to buy a home. He has an income, but I don't. Can I still be listed on the loan as a Co-borrower?... |
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 Co-Signing Troubles!!!? |
| I co-signed on a car for my sister to help her out. The loan has about 10,000 dollars left on it and the bank is going to repo the car. I know my credit will be TRASHED, but will the bank garnish my ... |
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 Would you call debt collectors back? |
| I just got a phone call and when I answered it was an automated message telling me to call a woman (gave me her name) and that this was an attempt to collect a debt. I think it would be silly to call ... |
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 Real or con? |
hi guys, have ever heard of business propsal that sound like this
A banker offer you a propsal that profit split 50 - 50
Then he / she will ask for your personal information like name, ... |
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mistypisces | What kind of intrest rate can you get with a credit score of 800? |
I am wanting to get a car and have a credit score of 800. What kind of APR should I expect at the dealership? thanks |
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T F
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Whatever is the best possible that they are offering. My score is around 770 and according to the dealer I qualified for the lowest interest rate offered by the manufacturer, which was 8.9%.
You might be able to get a low or even 0% interest depending on the car (particularly if it is a 2007) but you would have to give up any rebate offers. In this situation, you would be better off taking the upfront rebate, because you might get an opportunity to pay off the car early, and the 0% APR vs rebate usually have a similar value in the end.
Your best bet, unless you need to finance through the car manufacturer to get any incentives, would be to check out your own bank, or even better a credit union if you are a member. You are more likely to get a lower rate from them than from the dealership. |
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ogg08
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congratulations on your credit score....it's something you need to maintain for the rest of your life, so that you can acquire anything with ease or with lower interests... you go, girl... |
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Iknowthis!
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go to bankrate.com to get the latest scores - you should qualify for the best rates.
Also many dealers who give you zero percent financing but don't be fooled as it is rolled into the cost of the car. Sometimes it is a good deal though. |
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Jonathan
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Most importantly shop around at a few places and make sure they know you have good credit. Dont let them sell you on a high rate because you have almost perfect credit. Check www.bankrate.com |
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G. M.
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0-2% currently on certain models, |
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lexnupe
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If it's a brand new car then I would try an get 4% or lower, if the dealership has a special, which they tend to have these days you might me eligible for a 0% for 60 months. On the other hand if its used then I would say between 5% and 2%.
Also your income and the price of the car will have a slight impact as well as what state you live in for the dealerships interest rate. (which is usually 2% higher then what your score will dictate - This is negotiable though - Bottom line 4% or lower |
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Dewey K
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According to http://www.1-800BadCredit.com is considered to be an excellent score so your APR should be the lowest available. However after being a car salesman for some time I know the some dealers will try to get a point or two more if they think the buyer is naive so let them know up front that you know your score and that if you are not satisfied you will walk, and don't be afraid to do that. |
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carlbrb
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you should get a rate of 0 per cent |
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OC1999
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Are you sure you have a credit score of 800. This puts you in the excellent category, but your previous question says you are going to have a co-signer? So you either have a very new history, your score is not 800, or don't have the income to back it up. If it is any of these reasons, you will only get a interest rate for as good as your co-signer is.
From the myfico.com site these are the interest rates you can expect for a 36-month new car loan(not counting any special financing offers from dealers which could give you as low as 0%)
720-850 7.219%
690-719 8.071%
660-689 9.576%
620-659 11.046%
590-619 14.311%
500-589 14.924% |
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ZinaRae
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My B/F has a mid-range 808, and he can buy most things with "zero" interest. 808 is quite high, but he's over 50 as well, and makes a 6 figure salary, too. |
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