 Can someone in the know advise me please!? |
| i brought a car on finance 3 weeks ago and havent been able to use it since as it decded to break. The company Car Craft who i brought it from are not being at all helpful and i just want to return ... |
|
 Are there any online sites to check my credit rating,,,thanks? |
Additional Details
i`ve tried these sites,they ask for card details & payment.... |
|
 Didnt even get a secured credit card!!!!? |
| I moved to the states from Germany a year ago...I dont have a credit history and I knew I cant get a credit card without one. So today I went to my bank "Bank of Amerika" where I have a ... |
|
 What's the best way to eliminate credit card(s) debt? |
| I'm in way over my head, as some would say. I owe a little over 5 grand on my primary credit card and the max is $5,300. I owe about $500 on another, and $400 for a traffic citation. What should ... |
|
 Am i responsible for a debt after 4 yrs have passed, and this is the first time they have contacted me? |
| I have just been asked to pay a debt after 4 yrs, I know I still owed part of the moneys the person is asking of me, but not all as most of it was paid in 2003, I have proof. I have been told that ... |
|
 What is the best credit card for....? |
| are there any credit cards that charge no interest for the first month or so? I only need to pay off a couple of debts, I don't plan to use it much...anyone know of good credit cards? Also...... |
|
 If I choose to blow off a mortgage loan, how long will it take to regain credit? |
| BadGirl has an idea. What if I dump all of my student loans into a refinance and/or home equity (on property I own, but need to unload), and then I decide to bail on that property. It will take me a ... |
|
 What do you know about Equity Bank Of Nigeria? |
REF:TRANSFER DEPARTMENT:Information For Transfer
This office is in receipt of your transfer and it is based on the information which you provided in the form which you suceessfully returned ... |
|
 I am a 16 year old who has started my own cell phone company. as far as getting a loan, how could I do so? |
| I started Cells Wholesale Inc, and after a year of business, incorporated it in the state of california. We are looking to expand our operations on the web, and we also want to invest in a ... |
|
 What is a good first credit card to go with? |
| my first credit card ever. looking for something with low interest and i dont need all the extra services. my only major purchases are for 2 bikes - $1500 - $2000 each. everything else will cost less ... |
|
| Why do people believe Credit Cards are necessary? |
| Why should we all live in debt and pay high interest? Why can we not act our wage and spend less that what we earn? Will we change and what will the consequenses of our debt-riddle life styles be? ... |
|
 Having bad credit....Is it really a big deal? |
Will that be the end of your life?.......I mean I know not literally, but how bad is it? How hard will things get?......Is it really like the end of your life?
How many of you have bad ... |
|
|  |
sleepwalker69 | Why do Americans think a credit card is one of life's essentials? |
Additional Details
if you dont want to drag cash around you can always use your debit card instead of always getting credit
|
 |
 
maro
|
i completely agree with you. if you don't feel save carrying cash around, you can always use debit card or check. credit cards are for people who like to spend money that they don't have. people critisize how credit card companies are sucking up money with their high interest rates and fees, but in my opinion, you can choose not to use one. the ones who are complaining are those who are in debt.
and i never understand why people would suggest using a credit card to build up your credit profile. so paying your other regular bills, i.e. electricity, gas, mortgage, etc., is not enough to prove that you can make payments on tme? |
|
abfabmom1
 |
I don't. I don't have one, and I very much prefer it that way. I like living within my means, and not having debt. |
|
kittenkatt79
|
Well, because frankly it is one of life's essentials. In order to build a fully balanced credit profile, a person needs a record of at least one credit card. Whenever anyone applies for a home loan or a car loan, the lender will want to see a positive payment history of at least one credit card. If you never want to finance a home or car, well, I guess technically you don't need a credit card, but most people don't feel that way.
Having a credit card doesn't mean going into debt. Many people simply will charge something on their cards and then pay the cards in full (thus, they never pay interest charges) - this builds a great credit profile! |
|
Raymond Ricky
 |
you gotta build credit somehow if you want to get a vehicle or home loan =/
I always have enough capital to pay off my credit card, so I basically just use it as a method to build credit and get free frequent flier miles :) :) |
|
M O
|
Because dragging cash around is stupid. |
|
Mike H
|
I'm an American and I certainly don't believe that a credit card is essential to life. I have a credit card, but I almost never use it. It is more of a "just in case" kind of thing. Counter-question... Why do you hate Americans? j/k! |
|
Hedge Witch
|
Do they?
Strange people! I've had 3 credit cards for 30 years, I use them sometimes - maybe 2 or 3 times a year and pay them off when the bill arrives.
I really don't think I would miss them if they disappeared!
But then - I'm not from the US! |
|
Stephen T
|
I don't have a credit card and I am a homeowner and paid off a 2002 SUV. I saved up and put 25% down on my house so that was enough to "prove" my financial worth. Most Americans want what they want and have no patience to save their money. They end up wasting money on interest. I have a check card, but that deducts money from your account automatically. |
|
Ann M
 |
To buy things you can't afford to create the appreance of status that you really aren't.
We live in an image baised society. Just because you can't afford something, isn't reason enough anymore not to have it.
It's stupid.
I use my credit card for gas and such sparingly each month and keep it on hand for true emergencies like vet bills, and car repairs. And pay it off in full each month. |
|
steve
 |
um, we dont. |
|
Ken
|
Where does it say all Amercians do think it is essential?
I have 3 credit cards that I use. Very Rarely, I have a total revolving credit bill of under 500 dollars. |
|
Eddy T
|
Its another form of money. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 15 minutes(s) ago
| | | |
12 | 19 minutes(s) ago
| | | |
12 | 25 minutes(s) ago
| | | |
12 | 42 minutes(s) ago
| | | |
12 | 58 minutes(s) ago
| | | |
12 | 3 hour(s) ago
| | | |
11 | 4 hour(s) ago
| | | |
12 | 5 hour(s) ago
| | | |
12 | 7 hour(s) ago
| | | |
12 | 9 hour(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
