 Cant get approved for a credit card!? |
Ok, im 18-
and looking to get some credit here.
I will pay on the card, the TOTAL balance, every month. I mean
im just gong to put gas on it .. or food, ya know. Well anyways.
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 Debt Consolidation...? |
| Does anyone have any advice on debt consolidation? I want to learn everything I can about it before I take the leap to do it, what are the best companies, pros and cons...stuff like that. I haven�... |
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 Can a visa gift card.........? |
| can you use a visa gift card to book a hotel?... |
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 If I lied about my age and recieved a credit card when I was 16 am i responsible for paying them? |
| I applied for 2 credit cards in my name when I was 16 and of course I didnt realiize what a pain it is to pay on credit cards. I had a bank of america and Dell credit card. I used it for college but ... |
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 Is borrower slave to the lender like the Bible says? |
Additional Details
If anyone figures out what Duane is talking about, let me know.... |
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 If someone knows they're going to die, what's wrong with them charging up their credit cards...? |
and then giving everything away to people they love, with no intent of paying back the greedy credit card companies?
Additional Details
I should have clarified--I don't believe in G... |
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 So how do I get a credit card ? (read details)? |
I applied for a Visa Credit card... It was declined...
The reason given to me was that I don't have credit. (not that I have bad credit, I basically have no credit rating, thats why I ... |
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 Credit report information? |
| Okay, I checked my credit report today after about 6 months of hearing the same deal before - I only have a couple of open accounts but I've never been late or gone over my limits on any. My ... |
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 My credit card got overpaid and I need to get my money back? |
| By some clerical error one of my credit cards got overpaid by a thousand dollars! I ended up way overdrawn on my account because of this and my bank is assessing me a lot of fees, plus my other bills ... |
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 I have bad credit what should i do? |
| I have some medical bills that i cannot afford to pay...not even a minimum payment on most of them...but i would really like to build my credit...is there a more strategic way to pay them off? or ... |
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 Do you need to get paypal plus credit card to buy things online? |
do you have to sign up for pay-pal plus credit card to buy things online? or can you just sign up and buy things already?
Additional Details
do you have to sign up for pay-pal plus ... |
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 How do I send a message to the people in India on how banks cheat the common eople? |
Like to share something that happened to me today, I went to Icici atm to withdraw some cash I was astonished to learn that the balance was nil.
Icici bank had taken the whole balance from my ... |
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 Is it wise for me to get another credit card? |
| I'm a 23 year old college student. I currently have one card with a limit of $3000 and a balance of about $500 (which I am paying $100 every month to pay off). My aunt mentioned that I might ... |
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 What Credit cards should I close to maximize my score? |
I just paid off all of my credit cards and now I'm left with the following cards all with zero balances (I know it's a lot, sorry):
Card Date Opened C... |
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 Do you think we should stop making pennies??? |
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tell me why you said what you ... |
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pfff | What should i do about debt collection? |
About a year ago, i joined a book club, and thought i could pay the 14 dollars shipping and handeling. I was 17, and wanted to pay, but it just kept dragging on and on, also, I bought a dress that cost 24 dollars from avon, and never payed that. I have been looking for a job for a lonnnnggg time now. And will pay when i have money. But now i am scared becuase collection agency is calling me, and i hate dealing with those kind of people, so i have not answered the phone yet. i know i owe the money, and also i cant beleive that they are trying to get money out of me when there are thousands of people, who they can make way more money off of. I have never had this happen before and i dont know what to do. there is absolutely no way for me to pay the money right now, and from what i have read, people say that they wont stop calling you anyways. what should i do?
Additional Details
wtf, are u people talking about???, Ive never had a credit card , a bankn acount or a ******* job. There is no one for me to borrow money from and ive been doing everything i can to get a job. People who say ohh ur irrasponsible, go **** yourself. Its not like u never messed up in your lifetime, im lucky that i only owe a small amount. lol besides the fact that I asked what should i do, ... not your ******* opion keep your bullshit to yourself |
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Grandpa
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they will not stop calling they are all jerks and blood hounds they will call for $ 3.00 even if they think they can scare you besides you are under age for one need to 18 to enter into an contract and you are so do not let these people scare you and next do not listen to these people on this blog they have had the same problem and are not adult enough to say so |
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baoiee
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Honey, they don't stop calling. I am in a simlar situation but it's on a credit card i got when i was 18. Anyway, whatever you do, NEVER EVER give them any banking account information cuz these people cannot be trusted. I wanted to leave that as my 2cents because I wish I would have know myself sooner. |
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saved_astronaut
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by LAW no 1 can legally make any form of contract w/ minors cuz they have no means of repayment. as 4 paying down debts, i'll share what I'm doing;
i negoti8ed w/ each of my creditors so far, & then after arranging set pmt amounts, I got smart & opened up a temporary savings acct 4 creditors 2 get their $$$ automatically. that way, they cannot touch mine. after opening this, i called each of them back & gave them that # instead. once the debts r all pd, I'll close that acct & open a new acct 2 pay a new line of creditors. this'll stop the previous creditors from going after more that we agreed.
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Pengy
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Nice attitude you ask a question then expect the answers, and take responsibility for your actions like an adult. Well here is what will happen they will keep calling, and the debt will continue to add fees and expenses so your $28 some odd dollars will turn into hundreds, and your credit will be shot for at least 7 years, at the time when you will want a car etc. Since it was not done through a credit card but ordered you can also be charged with theft by deception, yes at 17 might mean juvy, but is close could also be charged as an adult. With that attitude doubt you would get any leniency. Maybe time to talk to parents about what you did and get this problem cleaned up. Own up, take your punishment, grow up and most of all learn from your mistake. Yes we all make them and hopefully you will learn from it as many of us do. Welcome to the real world. Good luck |
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JOJO
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maybe you could baby sit for a neighbor or a friend. ask your parents if you can borrow them money. you need to get these bills paid off so it does not affect your credit history. i know these bills are small but you still need to pay them. before you know it they will double and maybe in triple with interest. ignoring the collection agency is not going to make the problem go away. you need to skip the trip to the mall with your gf and pay those bills. |
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TaylorProud
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Book Club, if you were under 18, you can't enter a legally binding contract. So you need to inform the book club that you joined as a minor. My Son did this and I called them and told them he was a minor and joined without our permission that the cd's had all been opened and some had been lost etc. Otherwise I would return them.
They closed the account and I or he never heard from the again.
A Minor can not legally join a record or book club. |
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slinkies
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that is a very small amount of money, you should be able to make that in a week just hostessing at Olive Garden or something ...
If you are unable to stand up to them ont he phone, then don't answer until you have the money ... but don't keep dragging it out ... a part time hostessing job will pay for that in a week, tops!
before you give them anything, though, get everything in writing, they cannot be trusted ... and when you pay them, pay with a money order fromt he post office (some grocery stores can do those, too) ... never, ever give them your bank or account info, not even on a check ...
and in the letter, make sure they agree to remove it from your credit report, especially if you are paying in full ... most collection agencies pay a like 20 cents on the dollar for your debt so they make a huge profit ...
I am googling some other sites that might explain more ... |
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ashley b
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You owe $38?
Just borrow the money from someone. |
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ARTmom
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Borrow it from someone. You are ruining your credit!!!! Learn the hard lesson here and get this taken care of and NEVER do it again. You are not the victim here. Those people and companies gave you credit in good faith-they deserve to get paid. Make arrangements to do it in 2 parts and go mow lawns or babysit if you have to-for that amount you can get the monies! |
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hymneforthedead
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Make finding a job your number 1 priority > Make payments on Items that you own on> tell collection agency to go kill themselves
^_^ |
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