 Can I make 2 or 3 payments on a credit card in a single month? |
| Let's say I have a credit card with a balance to pay $500 dollars and let's say that is due on December 30th. Can I make a payment on the 20th and then another on 25th of the same month (D... |
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 Bank Charge Refund Help!!!? |
| Hi, I am wanting advice on how to go about having all my bank charges refunded, My bank fu*ked up over xmas, and because of this I have received £200 in bank charges, for going £25 over my arranged ... |
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 I got Scammed Fraud on craigslist! help me !? |
| i am only 18 and economy sucks and i was tryign to get a babysittig job. i guess i am stupid cause they said they were sending me money to put a down payment on their house and that the rest was for ... |
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 Whats happens when you default on a loan? |
| I basically have a car loan that I've gotten to the point where it is basically unaffordable. I basically want to know what happens after you go south on a loan?... |
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 Was stimulus check just a loan.? |
| people getting refunds this year on their taxes say that they are having to pay back the money.... |
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 How long does it take a check to clear? |
| If you write a check at Walmart how long does it take to clear through a bank? I have a deposit coming in on Wednesday @12 am and I was wondering if I wrote a check on Tuesday like at @2pm would it ... |
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 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 ... |
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 How do I negotiate with creditors over debt? |
| I need some direction, I have a few debts that I am going to need to pay off. I read that you can negotiate with your creditors a lower rate. How would this work, and has anyone ever had sucess in ... |
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 Does anyone know about capital one credit cards? |
| i've heard they don't report positive status to the credit bureaus. apparently they only report if you miss a payment or something so if you maintain good payment history then it won't ... |
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 My husband has spending issues? |
My husband, in the past week, has charged $2,500 on his credit card, for stupid things like a Nintendo Wii, the Matrix dvd's, a $100.00 haircut at Toni&Guy, etc. etc.
How can I ... |
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 I need a car loan I have a BAD credit score. I am a FT student living off of childrens ssi and child support? |
| FT student,unemployed mother,living off of children's disability and child support.Credit score of 419 nobody wants to help me out. There is no co-signor but my fiance has income that is usable,... |
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 Collection agencies keep calling me looking for someone else - how can I get them to stop? |
| I keep getting phone calls from collection agencies asking for a woman that I don't know and who has never lived at my address. When I looked her up on the internet, she has an address and a ... |
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Jean A | What shall I write to my credit card provider? |
I am paying a credit card debt but only making the minimum payment per month. I know that I soon will be unable to do this so I want to know how I should approach the company with a view to stopping the interest being added and accepting a lower payment. Even suggesting they accept a percentage of the debt for settlement. At the moment the account is not in arrears and I pay everymonth on time.
This is the only way I can see that I will be able to pay off the debt as adding so much interest only makes it like fighting a loosing battle.
I am not in a position to transfer the debt to a lower rate card nor can I get a loan.
I would be grateful if someone gave me an example of the letter I should write
thankyou |
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rachealuk
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call the company and ask to be put through to the correct department, they should freeze the a/c but will be happy that you have called to explain the situation, and agree on an amount to pay every month. more direct than writing as sometimes letters can get lost! |
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Jan C
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Just tell them the truth. and learn from your lesson. Credit cards are one of the downfalls of people, because they give no thought to the fact that you have to pay what you owe.. |
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Mistress
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I would call them instead of writing. They are usually willing to work with you, especially if you've made all your payments on time. I'm sure they would be willing to accept a lower monthly payment, but I doubt they would lower or stop the interest.
They MAY take a settlement..I know collection agencies will let you settle for a lesser amount, just to get it paid off, but I'm not sure about the credit card companies. |
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fivetoze
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well you either grovel, or tell outrageous lies...
either way, its doesnt matter, they want their pound of flesh... |
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Patrick E
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http://www.paidforum.net/?referrerid=2745 |
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donielle
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theres not much you can do just try to pay off as much as you can when you can |
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lily_evie
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I feel sorry for you but welldone for realising you will have a problem before the problem escalates.
I would contact The National Debtline, they are a non-profit making organisation (might even be a charity) set up to help people in debt. I was in a similar situation (although i left mine until i was getting nasty letters etc) and they sent me through an information pack. In this there are sample letters for you to send to companies you owe money to with all of the legal jargon in it. It really, really works and it will stop any hassle that you would get if you reduced payments without going down the correct channels.
I hope this helps x |
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wayalook
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last time i was laid off i missed a payment. they called me several times a day. i finally answered the phone told them the situation. they put me on a hardship program. i had to close the account but the interest went from 29.9% to 9% for 6 mos. after the 6 mos. i called them and told them of a wage garnishment i had. they gave me a 6 mo. ext. after that the interest went up but only to 19%. better than 29% i still owe them alot of money but at least more is coming off the balance than before. |
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suziejoy
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have you cut up your card to stop any more debt depending on the amount i have heard of a gov scheme that wipes part of your debt you should look into it talk to citizens advice bearue |
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wc_bot048
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Take a loan with lower APR and lower monthly payments, if this is not a option Claim bankrupcy and just get a new line of credit in 7 years :) Rob them bastard!!! Also when you're on the phone with them dont let them scare you be the rudest most annoying ahole to ever grace the planet and get your point across you're the one with the control they will threaten to take you to court and that's fine if they do the court will give you lower payments and no more interest so either way you really cant lose |
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