 What would be a good started credit card? |
| Hi, I am just about 19 and I am looking to get a credit card, but I don't know what one to go with. I don't plan on using it like crazy and I don't have the intention of paying it off ... |
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 What will you pay top dollar for? |
In the world of mass production, IKEA, and Costco, quality is sometimes sacraficed so that many people can baaaag a particular item.
What is something that you will pay top dollar for?... |
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 When you get married, do you assume responsibility for each other's debts? |
| If you have incurred debt before you were married, does the wife/husband become legally responsible for them as well?... |
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 Received a cheque from someone off the internet is it legal? |
| iv had instructions to cash the cheque and take a cut of it,is this what they call money laundering or is it ... |
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 If you had a million dollars....? |
| would you buy a house first? a car? or help your family members first?... |
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 How can a 13 year old from New Jersey earn $3000 dollars in 1 month? |
| I want to go on a trip to Spain and my mom says I have to make the money myself. ( I Know its evil, She doesn't want to pay any money.... |
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 If i repo my car and pay all fees will it still be on my credit? |
| so if i was to get my car repoed and i pay all these fees will it still go on my credit report and affect it negatively? Also, is there anyway that I can turn it back into the dealership and work ... |
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 Help!! We are in a financial downfwall, what should we do?? |
| AHHHH!!! We have just been married, purchased a house and have moved in. However, when planning my budget I underestimated the cost of additional furniture and amenities to furnish the house. I do ... |
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 Debit Cards? |
I use RBC bank if that makes a difference in the question im asking....
but, you know how you have limits on your debit cards, like $20.00 or $100.00....
does that only apply to you ... |
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 Am I still responsible for 15 yr. old personal loan not paid and charged off? |
| I took out a personal loan 15 yrs. ago for about a $1000 that I blew off and never paid. Now I'm getting a notice from a collection agency that wants the money back plus another grand in ... |
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 Is there any way out of our financial nightmare?!? |
This is a long one so bare with me!
About 3 years ago now my partner and I bought a flat. We were first time buyers and had no savings but were desperate to get on the property ladder so ... |
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nickname | How can I get rid of a balance of $23000 in credit cards? |
I go to school and work. Simply cannot afford it, I need HELP
The charges where used for some medical expenses and others for personal use. |
 |
 
cugine_1
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Wow, I feel really rich now.
You need professional help. Stay away from these loan consolidation places. You need an independent financial adviser.
Good luck, it will take you a while to get rid of the debt. |
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Hokie_Pokey
 |
Wow! Research debt consolidation loans.
I got a credit line from Bank of America for my $10,000 cc debt. I'm paying $340 a month for three years.
You'll never get them paid off if you don't do something about it. |
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bada_bing2k4
 |
Holy **** - I have a $1200 balance and I thought I was bad... |
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Goonhilda
|
First of all, look at all the cards, and work out all the interest rates on all the cards. Your priority is to lower the overall amount of interest you're paying. You need to stop using the cards completely. The only way to get out of debt is to stop digging a bigger hole.
See if you can transfer some of the balance of the highest interest rate cards onto a card with a lower rate. That will reduce the amount of interest you're paying, which will save you money over the long term.
Next, pay the minimum on all the cards, but extra on the card with the highest interest rate, regardless of balance. The interest is costing you the most money. Get rid of that card, and move onto the next highest interest rate card. Keep doing that until you're on top of the debt. The more you do this, the more available funds you will have, and the faster you'll pay off the debt. This is the fastest way to clear the debt.
I would avoid debt consolidation if you possibly can. It just tacks on a fee and ruins your credit history, making it very hard to get a loan later on. You can do this yourself if you're determined.
If you possibly can generate some more money, put that into the highest interest rate debt. I suggest selling things through the newspaper, taking an extra job (I went to University and I worked 2 jobs, so it can be done) car pooling, taking your lunch from home, and tutoring. All these are strategies that can keep more money in your pocket.
Best wishes |
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VirtueOfIntolerance
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the time to think about "I cannot afford it" was when you charged the cards.
there's only one way to get rid of it... pay it off.
you charged it, You pay it.
I'm in the same situation, but at least I'm accepting responsability and not looking for a quick way out. |
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robert h
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My suggestion is Google up Waste baskets. Put a nice strong one on one of those over due Babies so you have a place to store all those annoying bills when they come in. |
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2kool4u
 |
Wow, sounds pretty extreme. I presume you mean a debit.
You need to talk to a financial advisor. |
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Annie M
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Maybe you could transfer the balances to lower-rate credit cards. |
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Airika
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You could always try to consolidate your bills into one easy payment a month of your choice. You can usually do this through your bank! They pay everything off for you at once and then you slowely pay them back every month. Don't worry it's probably cheaper to do it this way rather than all those monthly payments to the credit company! |
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bryce k
 |
I know it looks bad but it isnt the end of the world. Cut back on some of your expenses like drinking or smoking or other frivolous activities and put that money toward your debt. Any extra money you get also put that towards you debt. Just think when you are done with your schooling you will have the time and money to pay it off. You could also try a condolidation loan or transfer your balance to a credit card with a 12 month lower interest rate. Usually can get them a 0% for twelve months. That alone would save you a few thousand dollars. They have some great rate cards at
http://creditcardwarehouseonline.com
http://creditcardwarehouse.ecreditdirectory.com/ |
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kapn
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Holy crap.........23K........your gonna need a 2nd job for the rest of your life.......intrest is gonna eat your shorts.......
Try to call them and see if you can broker a deal.......can't hurt |
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thedevilsharlot
 |
Hold the card to a magnet to erase the information and thus the debt |
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