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 Will my credit score be negatively affected if I pay off and close some of my cards?
I'm about to pay off four of the seven cards I have and I've read that closing them after paying them off can hurt my credit score. But I've also read that it may be better to keep ...


 Can they send me to jail?
I got caught in the payday loan scam. I needed money to pay bills and before i new it i was getting loans to pay back other loans. They were taking money out my account and the bank ended up closing ...


 I have about $5,000 in debt, is this alot?

Additional Details
i make about 21k a ...


 How do I remove my name from a mortgage. The house was awarded to my ex via divorce decree?
My divorce decree gave ownership via quick claim deed to her, and states she will pay the mortgage. I am having trouble getting credit because my credit report show the loan in my name....


 Im 19 and just found out the my SSN was used when i was 12 and ruined my credit HOW DO I FIX THIS MESS?
Im 19 and just found out my SSN was used when I was around 12 now my credits all screwed up how do I go about fixing it? Do I get a new SSN? Who do I call? etc etc etc.... I was wanna get this ...


 I have $15K in the bank, and I owe $15K in credit cards, should I use that money to pay off the credit cards?
or,,, keep the money in the bank to live off if I lose my job?...


 Anywhere I can apply for and get a credit card with NO credit history?
My bank declined my application because I have no credit history. I've never had a credit card before....


 Why are so many Americans in debt?
...


 My sister has a problem with her credit report?
there is a few accounts on her report that were not made by her. The problem is they were made by someone she knows and doesnt want to get them in trouble. Is there a way she can lock her social ...


 Do i have to pay this debt?
had letter from bank for a debt over 10 yrs ago. i got overdrawn when their machine cocked up and they gave me money i didnt have. i thought it was all sorted 10 maybe 12 yr ago . i did not have an ...


 What is APR?
I'm looking on carmax.com at their cars and I clicked on 'Payment Estimator' and I have to enter 'Finance Rate: APR.' What is that? Is it something more that I have to pay? P...


 Best credit card to build credit, I have non at the moment?
I need a credit card to build credit, I have none and only plan on purchasing a meal a month with it and paying it off asap so I dont care about how much the limit is or anything. Just one with the ...


 How do i get my credit card companies to freeze the interest, anyone done this?
i can pay my minimum payments but at the rate i am going it will take about 12 years to pay them off. I have heard about interest freezing, has anyone managed to get their creditors to do this and ...


 How old do you have to be to get a credit card?
how old do you have to be to get a credit card?...


 I am a stupid college kid who sign up for credit cards for free pizza...?
Okay I signed up for maybe two credit cards in order to get free pizza... I was hungry! and broke.. but they guy told me that it was just to see if I will get pre-approved or not. So I did get ...


 What would be your credit score IF you DON'T have a credit card?

Additional Details
...and I don't want to have a credit card....


 Credit card details?
Hi there,
i was just wondering if there was anyone out there that would like to give me their credit card details. I am open to all sorts of credit cards regardless wheater its gold or platnium ...


 Should i be careful...?
I met my fiance in July 2005, we are engaged and living together but the problem is im paying him more than half of the bills to him as they come out of his account. every month i get paid £773.00 ...


 I have no credit card debt but have multiple credit cards. Can I close accounts without hurting my credit?
...


 Would you pay online with 'cash' rather than credit/debit card?
With Ukash.com you can pay online with cash!...



sadiedauchund
When mailing in a payment, isn't the postmark date what counts, not arrival date?
I thought I learned that years ago in Business Law 1.
                     
 




∞infiniti∞
Rating
No, according to sneaky credit card companies, it is the posting date. It is funny how a payment mailed over a week ago isn't posted before after the due date.
If you are stuck with a late payment, dispute it.


SPIFIMAN1
No the payment must be received and posted to your account by the due date or it's technically late.


Jelly Bean
Rating
Absolutely not. If you read the terms of your credit statement, you will see it reads that the payment has to be in their possession by a certain time on the day it is due, which is usually 2:00pm in order to process it that day.


mrslititia
Rating
Not any more. Now it is the 'processed by' date. Some places say the payment has to be received 1 or 2 days before the due date so they can process it in time. Not fair in my opinion, but what can you do?


stan c
Rating
It's when it's received because most payments go to a lock box and then posted to the account.


Susan C
that's true for state and federal taxes...
not true for other payments...


Dont_taze_me_bro
Rating
You are/were misinformed.


PureOrLady
Rating
no but hey it's a really nice thought.


Jae
No, it needs to arrive on time.


Bibs
That depends on what kind of payment you ae talking about. If it is a tax payment, the Post Office Department is an agency of the US government and the Federal income tax would paid when it was delivered to their agent. The question is who selected the US mail as their agent? You probably did. Then, if they are your agent, the money is paid when it is delivered.


Star Gazer
Rating
No, receipt of the funds is what matters. Certain revenue or application type documents have a deadline and may elect to state "postemarked by" on the rules thereof. IRS is one common example.


melouofs
I'm sure that's up to the individual organization. Some will give you a grace period beyond the stated due date, while others will not.


morecowbell
I make all my payments online. You dont have to mail in payments for anything these days.


Cherokee indian
No just ask HSBC


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