 Terrible credit credit cards? |
My credit is not bad because I can't handle money, I have never had an account open in which I would receive credit if I paid on time or vice versa.
Two medical bills, small $10... |
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 My credit is about 650 and next year i want to refinance home? |
| i have a credit score of 650 got 1 credit card one small loan that will be paid by october and mortgege payment i want my score to be at 750 next year is it possible with these credits or should i ... |
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 I purchased a home for 360,000 paid 50k, down and I now owe 366K on it payments now 2700 a month, suggestions? |
| the lender will not lower the payments or the interest rate and the new appraisal on the home is 330,000. Any suggestions will help I can't afford the payments.... |
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 Credit card question for you folks that 'know better'!? |
| I have 2 credit cards with extremely high interest rates because of past mistakes.. one is for $500, the other for $700...they are nearly maxed out because with the interest I can't get ahead. W... |
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 If you default on your credit card debt, an unsecured debt, why can the bank garnish your salary? |
| I thought a credit card was an "unsecured" debt, meaning they are loaning you money not based on your assets, but on their assumption (based on their research into your history) that you ... |
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 I am 16 years old.? |
| I want to build up my credit , is there any thing that i can get to start building my credit? Like a credit card or a gas card? I would love to hear your answers !!... |
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 I am looking for a credit card for people with really bad credit.? |
| I have really bad credit but am in the process of turning it around and improving it. I am looking for a guaranteed approval credit card. One that doesn't have to have a deposit or where ... |
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 Help Bankruptcy!!!!? |
| Can someone help me out please? I am going to file bankruptcy on my truck and credit card that I have if I file bankruptcy is there anyway that I can keep the truck cause that is the only ... |
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 Question about paying off a credit card...? |
| I am planning to use some of my tax refund to pay off a credit card. One has a $460 balance through Care Credit, with a $500 limit, so I planned to just pay that off but keep the card open of course. ... |
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 Will anyone lend me $15,000? |
| Please do not answer if you don't have any solution. I'm trying to save my house. I'm in Central America.... |
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 My account was closed by HSBC and sent to debt collectors in around 2003. how will this effect my credit score |
| after some correspondence confusion my student hsbc account was sent to a debt collecting agency in around mid 2003. I have been aware that this has effected my credit rating when trying to get ... |
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 How can I get information from a difficult collections agency? They wont send me detailed billing.? |
| All I am asking for is a detailed bill of the charges so I can validate it and pay them, but they say I need to pay the balance first and then recieve the detailed billing. This doesn't seem ... |
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 Does anyone use PAYPAY.COM? not PAYPAL! is it safe? |
| just please answer this question if u actually sign up for PAYPAY and use their service..i have read their service and terms and almost good to be true..very low rate of money trasfer anywhere in the ... |
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 Does it hurt my wife's credit? |
| I just recently defaluted on my home loan. It is now paid off, but did that hurt my wife's credit, if she is not on the loan? I had the house previous to our marriage.... |
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 How do i get chase to give me a credit limit increase? |
| I have been using my chase freedom card for a year now wiith excellent payment history,no late payment and never maxed out.how do i get them to give me my first crdit limit increase without a hard ... |
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bparks115 | Which credit card should be paid off first? |
I have 2 credit cards that I'm trying to get paid off. Card A has a balance of about 700 and an interest rate of about 9%. Card B has a balance of around 1700 and a REDICULOUS interest rate of 28%. Which card should I focus on paying off first? Card A has the smaller balance, but the I'm really getting ripped off with the interest on Card B. |
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dgvella
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Pay off card B as fast as you can while at the same time try to pay off the intrest on card A |
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ebosgramma
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Can you roll the balance from card B to card A? If not pay the minimum to card A and make payments as large as possible on card B. Stop using card B ASAP. |
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bdancer222
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ALWAYS pay off the highest interest rate card first. The faster you pay it off, the less interest.
Take every penny you can squeeze from your budget and throw it at the highest rate card, while paying minimum on the other. When the highest rate card is paid off, move to the other.
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Krysler
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You may want to see about doing a balance transfer from card B to card A that will put you at a much lower interest rate on the larger balance card and most of the time, Credit card company's have specials ex: Balance transfer 50.00 transfer at a rate of 5% for 90 days type thing. but overall you will be paying less in fin. charges. |
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scarlettknight62
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Pay off Card A first then, call that credit card to see if you can transfer the balance from Card B and at what interest rate. If not call around to see where you can get a better rate with another card. Years ago this is what I did to get out of debt. Pay the card with the lowest amount then, go to the next card and make payments on that one adding on the payment of the card you just paid off and so on. I paid off $25,000. on 3 years. |
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Over and Over
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make a little bit above the minimum on card a and as much as possible on card b. Also it wouldn't hurt to call up card b and ask them to lower your interest rate, the worst that can happen is them tell you no.
You do not want to get a new card that offers 0% like some people have mentioned because it will lower your credit score even more. |
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gtchic813
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pay off card b...i kn from experience |
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Just Being Honest!
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First ask both of your lenders if they can lower the interest rate. Even though 9% isn't too bad, 28% is RIDICULOUS!!! PAy that one off first and if you are able to transfer it onto a credit card that has a lower interest rate do it!!! Never get a card with that high of an interest rate again :) We learn from out mistakes though I have about 2 more months and I will be credit card free! :) |
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whatagal828
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See if you can do a balance transfer to the lower interest rate card, or even a new one if the interest rate is low. |
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Judy
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Suze Ormons rule is pay the card that you are paying the most interest on (not interest rate), but most interest amount.
Keep in mind the way to get PERFECT credit is to use credit cards but pay the balance in full each and every month. Never carry balances. That just reduces your credit worthiness.
Consider a balance transfer to another card on that card with 28%. Capital One and Discover still offer 0% for 6 months on transfers (I think).
Go to bankrate.com - they have a list of cards that offer 0% on balance transfers. Just make sure you pay it off in that 6 months, because the interest rates jump sky high after that intro period.
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