 Credit card limit? |
| if you have reached your credit limit ..but use the card again..will the transaction go through?... |
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 My credit card company has charged me £12 late payment fee even although I sent the cheque in plenty of time. |
| When I called them to complain they claimed the payment had now been received but due to the christmas post and the days the bank was closed over the festive period that my payment had been delayed ... |
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 Credit Score, Good/Bad? |
| Ok I have one credit card with a limit of $500. I've had it since February 2007 and have been paying off bills fully and early every month. My credit score shows 723. Is this good/bad/alright?... |
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 Credit card question? |
| I currently have a credit card that was always paid on time, I sent money last month and there saying they never recived it and is asking for 200 in overlimit charges. They have always had high ... |
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 Im getting married soon and desperatly need a loan, got real bad credit, and bank refused, any ideas?? |
Additional Details
ok so for all u pple giving me stick about getting married when financis are no good, 5 years ago, after a divorce and death of my baby i suffered a nervous break ... |
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 I would like to get a credit card? |
| I'm a full time college student and would like to start earning credit for later in life. I don't have any student loans that will earn credit (have a full ride). My sister mentioned ... |
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 Does marriage effect good credit? |
| I have great credit, my boyfriend on the other hand has very bad credit. We have been talking marriage for quite some time now and always just thought that with the current situation we would use my ... |
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 I work,i have a mortgage, i have a car bought on hire purchase,Bank loan,so why wouldnt Currys give me credit? |
hello, i went to Currys electric store to buy some goods on credit (TV, fridge), did the hp check & it refused me credit.
does currys have their own credit rating?
i have never been ... |
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 I have no credit and i need to get a personal loan quick!!? |
i have no co-signer and i need a loan
i haven`t started a line of credit yet!
and i don`t want a credit card!... |
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 How bad is our debt? |
| My husband and I have a total of about $20,300 of debt all together (credit card and student loans -- heavy on the student loans). How bad is this? I am 23 and going to graduate college in December --... |
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 I'm 18 years old: no credit, how can a bulid up good credit? |
| I'm getting a cell phone bill in my name and have considered a credit card---the basic rule being that I only spend what I can afford, I had a credit card in the past (in my grandfathers name, ... |
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Cujo | When you cancel a credit card do you need to have it paid off first? |
I have a couple too many credit cards and I'm having difficulty keeping on top of the bills for them. If I want to cancel a couple of them do I need to have the balance paid off first or can I cancel them and then continue making payments until they're paid off? Thanks in advance for any help you can offer. |
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Chris C
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Yes, you can cancel them before they are paid off. This just basically turns the debt into a loan rather than revolving credit source.
You can also contact them and request a lower interest rate. IF you have been a customer of their for a long time and have had a pretty good past with them, they sometimes will help you out inorder to keep you as a customer. IF they don't lower it they run the risk of you cancelling the card and they lose money.
And for the person that said it effects your credit score? Cancelling a credit card is an extremely small mark on your credit. It's so small it's not eve worth worrying about, especially when a card is cancelled for you to try and be responsible and pay it off. If a card is cancelled by a company, that's really bad. A card cancelled by the consumer is not that bad at all. Infact, having too many credit cards can have a negative impact on your accessability to credit as well. They will factor in those credit balances as if you have maxed them out when you apply for a debt, so they can make sure that if you do max them out you can still pay your debt. |
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R T
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You can cancel them and continue paying them off.
Why don't you just put them in a locked drawer and not use them? Less complicated and you get the same results . . . |
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Judy
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Stop and think for a minute, why are you cancelling them.
The trick to good credit is to have a couple of credit cards and pay them off in full each month.
Well, you're half way to good credit. You have established a credit history. Cancelling the card will only erase good history. Put the cards away in an envelope. Closing them does nothing good.
You may cancell them any time you want. Even if you are making payments. Why oh why do people pay minimum payments on cards --- why????
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azura181
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Call the credit card company I think there is a way for them to freeze the account so purchases cannot be made and you will continue to accrue interest and make payments. |
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ramitdivakaran
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this should help you :
to ensure that you dont have to pay more , you would need to get the account down to a zero balance or else finance charges keep on accruing. Cancellation can be done anytime, before you pay off, while you are paying off or after you pay off.
I would recommend that you cut the card up (but you finally decide) , call the card company and tell them to put your account in a closing status. Then cancel all the direct debits from the account. Then get your pay off balance (the account balance and the pay off balance can be different) and complete the payment. |
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Cold Shot
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You can cancel the cards and continue paying until they are paid off. I did that earlier this year. Good luck! |
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viola f
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You can cancel them anytime...just contact the company tell them you want to cancel and then continue to make payments to protect your credit. I know because I cancelled on yesterday and it still has a balance |
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Sharon T
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Do you really need to cancel them or just stop using them?
Why don't you just shred them or cut them up. Make sure you don't have any automatic charges (such as cell phone or internet fees) going to them. Then aggressively work on paying them off. When they are fully paid, you can close them if you choose. |
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maxmom56
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Most will allow you to cancel the account and continue to make payments. Make sure you call and verify this with each of the accounts you want to cancel since not all companies will allow this. |
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cgminime
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Yes of course you must have it paid in full. Only close out one credit card every six months or so: closing them out closer together would be bad for your credit score. what you can do is call the credit card company and ask them to lower your credit availability. If you do this, they most likely will NOT raise it back up, whether you ask or not. |
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.
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Don't cancel them. It will cause your credit score to go down. Just cut them up. That way, you can keep paying on them but can't use them anymore. |
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Juicy J
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yes they won't cancel your account until it is paid off and even then make sure you get it in writing! they are sneaky bastards |
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