 Help BAD BAD CREDIT? |
| I need some help.... I have mad a few mistakes with my credit and I have seen alot of things on my credit that scare me... I am scared to hire one of those credit repair firms and I am am scared of ... |
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 Good or Bad for My Credit? |
| I have two credit cards since 1997 I went ahead and consildated the credit I had on them to another card with a lower interest rate and with 1 year no interest on rolled over credit. The question is,... |
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 Where can I get £20,000 for free? |
| Serioulsy, I need £20,000 and dont want to have to pay it back?? Must be legal though...any ideas???... |
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 I need to cash a check - no bank account.? |
| I need to cash a Wells Fargo check at Wells Fargo, but I don't have an account there. Will I be charged? I've heard that I can cash the Wells Fargo check somewhere else, but they'll ... |
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 Bank card worry? |
| I lost my bank card a few days ago and they have sent me a new one. I wrote my signature on the bank but the ink ran a little so it looks messy. Does this matter? Plus, I need to activate my card but ... |
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 I am borrowing money from my mom? |
is there a good website that shows examples of contracts that we may use?
Additional Details
it is quite a bit of money guys about three thousand dollars, it wasnt her idea for the ... |
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 I have 3 credit cards that are maxed out at $3,500&$1,500 & $500. I have $3,000 cash ........? |
| How should I pay these down to so that it signifcantly raises my credit score? My credit score is 650, and when I inquire it says it is low because my credit card balances are too close to their ... |
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 Paying Off debt: Lump sum or Instalments? |
| I have 3 defaulted accounts, but unfortunately they have been sold already to collectors, some of them have been sold twice. For this reason I couldn’t reach any agreements about clear records from ... |
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 Transferring auto loan to credit card... Good idea or not? |
| I recently recieved some of those balance transfer checks from my credit card company for 3.99% until the balance is paid in full. There would be a $75 fee. My auto loan is 7.2%, would it be a good ... |
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 What is this scam? |
| A company called int'l promotions claims i've won over 900 000 euros is the euromillones draw which i did not enter when i was in spain in march. i live in scotland.... |
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 I have bad credit,help where can i find a loan,i keep getting refuses,i need to pay debts,but need new car? |
Additional Details
all the answers are great,so far,the debts occured through financing a car they want the money now,i am pretty desparate as you can imagine,i even lost the damn thing,... |
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 This guy.. i know him online.. and he gave me his mastercard number!? |
he gave me his mastercard number and his 3 digit security pin.. i dont know how to know whether this card is valid or he is trying to fool me.. what should i do ?
Additional Details
urmm.... |
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| I need a $2000 loan. but payday services only offer up to 1500. What are my options if my credit isn't good |
Im currently paying off bills but I know my score hasn't risen enough to go to a typical loan place. This loan will be paid off in 2 payments.
Additional Details
Is that possible ... |
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jagjug | Why are Credit Card holders always given better treatment like gifts, points, offers etc, ? |
I observe that now-a-days Credit card holders are given preferential treatment at Malls, Hotels, Shopping arcades, Tourisms offices, Banks, etc, etc, like special offers, gifts, moneyback offers, card-points etc. No discounts are available to people like me who do not like to own a Credit card and prefer to settle things by way of Cash. |
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k0005kat
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This is a trick by the card companies to get them to spend more on their cards so they can be fleeced out of more and more interest. I would rather keep my money safe than have cheap trinkets and meaningless offers; stuff credit cards- its just profiteering from those who can't afford it, like the Lottery. |
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fartman
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because they will never get out of owing money |
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jessigirl00781
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The more you spend on their cards the more points you get towards those gifts. They just want your business. They make so much $$ off of you it is ridiculous! |
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JennyJ
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None of that stuff is really free or discounted its all paid by the ridiculous amount of interest each card holds. And they might get slightly better treatment, but that's because the more you spend, the more you owe them, the more money they make. |
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capu
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It's the credit card companies giving the rewards. Why would they reward somebody that doesn't use their card? |
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bfandrk
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There is no such thing as a free lunch, most credit card users pay high interest rates, if you pay cash not only do not pay interest but you should also be able to negotiate a lower price, at the end of the day the cash buyer is $$$$ ahead. |
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Jen Hates Evil Empire Starbucks
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Beats me! They credit hard holders has no idea how much interest they are paying for the little money they borrowed from banks. LOL
They sugarcoat it with VIP treatments and gifts so that to lure them to borrow more. |
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NutstersChick
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Because if U owe them money they love U & can make yet more money from gullible borrowers. |
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alexander s
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if you use you credit card you get extra point each time that you use you card as a credit you get points that what i think. |
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manda61905
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They are all incentives for people to get credit cards. I don't have one either, but you know what, I don't feel bad about missing out on those offers because they aren't really free. They may not pay for it, or they may get discounts, but they are charged interest on those cards. So they are paying money out for nothing. It all equals out in the end I'm sure. |
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e_spehr_99
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Because we pay a lot of interest for those points..... so its not really worth it.... |
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42
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don't worry they are just teasers to make the ppl useing their cards....usually thoses presents have no real value... |
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coconut
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Because the status of your credit card tells people who much money you have. If you have a regular credit card, whatever, if you have a Platinum/Gold, people will be nice to you. |
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scatz
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To lure them into neverending debt. |
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IceCube
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Usually, the gifts are junk and you don't really want to have it. I found that most of the thing given discounts are from a higher price than on store. Don't think you are second class because you don't have credit card. Cash is the King. |
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danchevz
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Very interesting, I was not aware of this.
I can see that at hotels & car rentals they have your card No. incase there is damage, they can go back and charge you more on the credit card.
I can only guess that in small shops they may not like to have cash because:
1. Higher potential for robbers or "hold ups"'
2. Employees may be able to steal money easier ,or
3. Employees don't know how to give change. |
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sugaree
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it's an incentive to get them to use the cards. what's available to you is not being tied to a monthly credit card bill with the interest payment that goes along with it, that's the advantage you have. |
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Laurel_Eden
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By choice, like you, I don't have a credit card either. Maybe the credit card companies and places that accept credit cards give out freebies and stuff because they pity the poor, debted idiots who use them.
If I don't have CASH for something, I don't get to buy it. It's my personal philosophy...more people should look into it! |
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vsecrt1
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credit card companies are enticing people to use them. People with credit cards are 3times more likely to spend than cash shoppers. |
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james1bettis
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Credits cards gives you more clout and clout in turn gives you more spend power more spending power buys more of their products which in turn creates more credits card catch my point ..... |
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paj
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Because they're getting throwbacks off the credit card companies interest rates. The customers are actually buying their own "gifts". |
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