 After paying off a credit card what is the best thing to do, cancel or no? |
| I just paid off credit card and don't know if I should cancel it or if I shouldn't.... |
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 Credit Card...? |
| So I've applied to so many places to be able to get a credit card NOT a debit card, but i cant find anyone who will accept me. does anyone know of any good sites to look up credit cards for ... |
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 I have received an email telling me that if i have credit cards which i took out before 2007 they can be wiped? |
| can credit card bedts taken out before april 2007 be wiped out with no effect on credit rating seems strange to me what does anybody else ... |
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 Should I pay the deliquint account or leave it? |
| I'm trying to raise my credit score. I've heard that once an account goes into collections you should leave it alone because if you pay it, then ur score gets lower. One of my derragatory ... |
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 How can I settle my credit card/personal loan debt? |
| I have credit card/personal loan debts and looking for a lumpsum settlement. Due to financial problems I'm not paid last few EMIs.... |
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 Paying off credit cards? |
| ok so I have my credit report and money. What's the best way to pay them off. Should I negoiate with them for a lower price, pay the whole balance, make payments??? Im looking for the best ... |
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 Credit Score dropped...how can I get it back UP? |
| The last 6 month I worked so hard to get my score up to a 710 and when I moved I neglected to check my cable bill at my old address. I was sent to collections over 55.00 and my scores dropped into ... |
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 I am 23 years old, i am unemployed, and i am $20,000 to $23,000 in debt i dont know what to do? |
| I dont know what to do i am about to just let them go? i did good at keeping up with my credit at first but right now is just too much i been unemployed for awhile finding money to pay for the ... |
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 How to build credit up? |
| cause i dont have any credit and i cant get a credit card ... |
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 Secured Credit Cards? |
I just opened last week 4 secured credit cards with $300 credit limits each. I need to repair my credit...
If I charge $10 on each monthly then pay all of them off monthly and keep doing ... |
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 Do those debt consolidation websites really work? |
| My boyfriend is around $17,000.00 in debt. He almost signed up with one of those debt consolidation companies online. What they told him to do in a nutshell is to pay them X amount each month and not ... |
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| Credit card interest rate jumped to 30%! Why? |
| My husbands Washington Mutual credit card jumped to 30% interest. We have never been late on a payment and we pay way more than the minimum in order to pay it off. Right now the balance is $423.00 (... |
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 My nephew has a bunch of bounced checks? |
| He has bounced about 5 checks and has no money to put in the bank to cover what he has written + fees and such. He has no job, so no way to pay them back and none of the family is willing to loan ... |
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 Is it a good idea to take out a small home equity loan to pay off credit cards? |
10000$ to consolidate 7000 in debt, the going interest rate is 7.5 % we are currently paying between 13%-23% on the cards
Additional Details
the remaining three thousand will go torward ... |
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 Am I responsible for my girlfriend's credit card that is in my name (she is additional cardholder)? |
Her name is actually on the card... If we break up and she does not pay it, can I go after her legally?
Additional Details
She has a totally separate card eventhough she is on my account ... |
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TEJANA | Where can I get or apply for a loan to pay off my credit cards??? |
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monkey luv...
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you can go to your bank, and ask them to give you a small loan, they should be reasonable about the interest they charge, you could also ask your parents, that is the best way, just make sure you don't run up another debt, otherwise they will not be that sympathetic, then there are also other ways like, getting another credit card, that gives you 0% on balance transfers for like 6 months, and that way you can slowly pay it off, |
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diva
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try credit one solutions, or maybe try doing a transfer balance and put them all on one card, therefore only making one payment a month as opposed to 3 or 4(depending on how many cards you have) |
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Marvin C
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hopefully you can get it from your bank or credit union. steer clear of finance companies and especially do not apply for a loan online or from the newspaper, etc. You will never get out from under any loans that you get from any source other than a bank or credit union....if you have to, try and get family member to co-sign at bank or credit union, but please don't go to "alternative" financial institutions...ok?? If it is not at all possible to get your loan, look in phone book for local non-profit consumer debt consolidation agency... Not a commercial one,, a legitimate, non-profit one will have you cut up your credit cards, will assess your ability to make payments according your income and other expenses, will contact your credit card holders and make arrangements with them to accept lower payments and even accept less than the full amount owed in some cases.... |
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Carson
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If you own a home you can contact a consumer lender or mortgage broker to help you consolidate the debt. This way you can write-off the interest on your income taxes.
If you do not own a home, you might try going to your bank or credit union to apply for a single unsecured line of credit, this way you will only have to make one payment every month.
Be very careful with credit consolidating companies. Sometimes using their service will reflect much more negatively on your credit report than simply keeping your credit card debt situation the way it is. Sometimes it can actuallt reflect as a Chapter 13 bankruptcy!
If you arew a homeowner, I suggest to go that route.
Good Luck! |
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stopccdebt
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It depends on the amount of debt you owe and what your credit score is. If you have substantial debt and relatively poor credit, a loan will not help you.
You may wish to speak with a credit counselor to see what options you can take to get rid of your debt faster. There are frequently strategies you can take that will lower your rates and help you pay it off faster. |
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Monty
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If you have a decent credit rating, your bank will give you an unsecured debt-consolidation loan. Unfortunately, if you have racked up alot of credit card debt, you haven't shown that you are very likely to pay the loan back which means that you will probably have to apply for a secured loan like a home-equity loan. In other words, you would have to put up something you own which is roughly equal in value to the loan.
If you can get a loan at a lower rate, then do that. If you can't, then pay off one card (the one with the higher interest rate or the least on it) and pay the minimums on the rest. Once one is paid off, then attack the next one with all you have. Eventually, you will pay down all of your debt. Dave Ramsey is a financial advisor who has helped alot of people out of debt. His website is below. Good luck and keep your head up.
Keep in mind that money problems are not caused by money, nor are they fixed with money. |
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Playing Nice
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I think Lending Tree does that if you own a house |
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Live and learn
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Couple of ways... You can try and borrow the money from your bank, but watch the interest rate they are going to charge you... The other is to use one credit card company verses the other... if you get mailings where tthey are offering you accounts with no interest for 6/12 months then consolidate all your credit card bills into this one with no interest, pay all you can, then switch again before the interest starts... This ways you can have a year or so with no interest and pay off the principal. |
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afrprince77
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You cant apply for a loan to pay off your credit cards. In a way that kinda defeats the purpose of getting out of debt. |
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