 When you apply for a credit card online...? |
| ... after you submit the application and the screen says "your application has been approved"... would it still be possible for the card issuer to review your application again and ... |
|
 I have a collection that is wrong but do I fight it or just pay it off? |
| I recently checked my credit report and found a collection on my account for a utility bill from 2004. The amount is not very large but I know it must be wrong because I never lived in that city ... |
|
 When should I get a mortgage? |
| My lease is up on May 1st. I only have a small downpayment and my husband and I both have poor credit scores (mid 500s). Together our income is over 55000, but since we are young, we haven't had ... |
|
 I have horrible credit and can't get a credit card? |
| I would like to get a credit card for emergencies like gas, prescriptions etc. My credit is terrible from being stupid when i was younger. I can't fix my credit right now because i don't ... |
|
 Is there a way to know my VISA card number? |
| I put my Visa card in the bank's locker but i forgot the number, is there a way to remember what it is without getting the card?... |
|
 How many people are in debt out there? |
| i dont mean mortgages or car loans.. but credit cards and other bills... I am 10,000 in debt.. just wondering if im the only one.. you dont have to say how much.. i just wanted ... |
|
 Why don't I have perfect credit? |
I've never EVER been late on a payment, I've had and paid off several trade lines (and early too), so why is my credit score not an 800 or above? I just don't get it!
Additional D... |
|
 Im 14 yr old and i need a credit card? |
| i need a credit card that will work for 14 yr ... |
|
 Does running a credit check really lower your credit score????? |
| when the ask you at the store if you want to sign up and they check your credit do you loose 2 point off your score????... |
|
 How to signup free with paypal ? They're asking credit card number !? |
| Is it safe to give it to them ? I am checking out Entireweb speedyads publisher network where the payout type is through paypal only...when I go to paypal for signup - they're asking me credit ... |
|
 I received a cashier ck as escrow payment to be forwrded to a walter brooker @yahoo.com.is this a fraud? |
i received a cashiers ck via dhl from canada.i am supposed to cash and forward minus 10%.i am concerned this may be a money laundering scheme.the funds were directed to me via
walter brooker@... |
|
| I need at least $300 very quickly. I've never had a credit card. Can I do it this way?? |
| Ok, I'm 24 years old. I've never had a credit card, by choice. I've been trying to keep my debt down so that when I'm married and start a family we won't be drowning in ... |
|
 Help! SERIOUS QUESTION click NOW!? |
the day started out like this
i was bored and went to my fav game site World-Warcraft
i went to the Chat forums
i saw a thread called "FREE CREDIT CARDS!"
i went to go ... |
|
 Credit Score went down why? |
| This is so confusing. Equifax and Transunion went up but experian dropped ten points. I have no idea why. Looks like everything has been reported the same pretty much. any ideas?... |
|
 Can a bill collector call your home and give personal credit information to your babysitter? |
Additional Details
I bought a car for my daughter, she didn't make the payments and I can't, so I voluntarily returned the car. The car company who bought the car from the ... |
|
 What happens if you don't pay your credit card bills? |
| what can a card company do to you.I want everyone to know that I am not trying to get out of paying my bills but my house payment is more important and my work has went down and I have 3 ... |
|
 Will paying off my car loan 2 years early really help my credit? |
| My credit is Poor and I am going to payoff my car loan 2 years early will this finally help me with my credit issues? how much will this affect my credit score?... |
|
|  |
christopher c | Will i be able to make complete a transaction that exceeds my Credit Card limit? |
i got a credit card with a limit of $500. its new so i havent used it yet. i can pay off the bills and wat not but i wanna know if i pay a ps3, an extra controller and rainbow six vegas, will i be able to buy all that or will the company let me pay only up to $500. all that comes to $652.66. can i pay all that on the card, or will they only let me pay $500 with the card and then i gotta pay $152.66 in cash? |
 |
 
Christie
|
When you make the purchase, tell the cashier that you want to use your credit card for the first $500, and then you'll pay cash for the rest. I was a cashier in a department store for a long, long time - a lot of people pay this way, especially around the holidays.
Most likely, your card will be denied if you try to use it for the entire amount. Sometimes you might get away with going just a bit over your credit limit, but that's not something you want to make a habit of. If you exceed your credit limit, your credit card company will automatically add an overlimit fee to your account. This will be anywhere between $35 and $50. You will be charged the fee every month that your balance exceeds the limit. |
|
ed
|
$152.66 cash.
If you exceed your limit, even if they accept the charge, they will charge you a penalty and can increase your interest rate.
Re-Read the fine print. |
|
ModelFlyerChick
 |
Charging the full purchase amount on the credit card, if accepted, will cause you go over your limit which will hike your interest rate and cause you to have an overlimit fee charged to your account until the balance is brought down to $500 or less. Being over the limit also affects your credit rating negatively...the score goes down. Keep in mind that some credit card companies will report over-the-limit conditions to the credit bureaus which will have a negative impact on making major purchases in the future because you'll be hit with a higher interest rate.
My suggestion...Save up the cash for the Playstation and save the $500 credit card for emergencies. |
|
Deliah
|
Consider what you are doing to yourself and how out of control you already are and have not even made the purchase yet.
Unless you can completely pay a TOY off when you get the bill do not make the purchase or the next few questions we see from you will concern your lousy credit rating and not being able to get money for more TOYS.
Get a job at a fast food place and save all the money then go buy what you want. |
|
etherialdowntime024
|
you know i have a card and the limit was 500$ and somehow i managed to go over the freakin limit!!!!! i think i bought something online that didnt post right away oopsies |
|
aink
|
No. The bank will generally let you only go to the $500 limit. Sometimes some banks may allow $10 or so over, but not $150. It should be rejected as "insufficient funds" if you try to put the full amount on. If by some rare occurence, it does allow it - keep in mind the bank will be phoning you within 48 hours requesting the overlimit amount be paid back immediately. |
|
Johnny N
|
In most cases no, but many companies may let it through so that they can charge you fees. |
|
*****
 |
Such an arrangement will have to be negotiated between you and the people you owe money to. The rule of thumb is , you can NEVER exceed your credit limit. It will be denied instantly. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 41 minutes(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
10 | 7 hour(s) ago
| | | |
10 | 1 day(s) ago
| | | |
10 | 5 day(s) ago
| | | |
10 | 6 day(s) ago
| | | |
10 | 1 week(s) ago
| | | |
10 | 2 month(s) ago
| | | |
9 | 3 month(s) ago
| | | |
9 | 8 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
