 In debt and looking to get out the right way. Please help with personal advice.? |
Total Debt: $37,163
Interest Rates: 8%-25%
Total Credit Cards: 6 (2 are Care Credit Cards)
Car Loans: 2 (probably getting rid of 1)
We're really serious about ... |
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 If you owed £1500.....? |
| i have a loan with this outstanding.i have also saved £5000.should i pay the loan off?and leave me an extra £145 a month better off or keep paying £145 a month and keep my £5000 in the bank?... |
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 What happens if u ignor ur debts, not responding to letters or calls, and also not going bankrupt?. ? |
| I have a collective debt of about 120,000. For about 2 years now, i have totally ignored all calls and mails. All my creditors have been doing is threaten me with court action and ccjs and what not. ... |
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 Anyone know how i can make some cash? |
| im only 13 so i can't really get a job :( HELP!!... |
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 Which bank can you recommend? |
I am moving to the UK in March.
Which bank can you recommend? A nice savings rate would be great.... |
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 What is the best/easiest credit card to get if you have bad credit and are trying to improve it? |
I'm sure some people might say having no credit card is best..but to build up credit you have to start somewhere!
My friends credit is ike 580 or something, and I told her i would look into ... |
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 I need money please suggestions!!? |
| I NEEEEDDDDDDDDDD MONEY PLEAASE im 11 years old!!... |
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 Ive just come in to a bit of money....? |
| My uncle has just given me £3000 inheritence money before he dies. My parent think its a good idea to pay off my car which is on HP but I want to use the money to move out a get a flat with my ... |
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 I really need a loan shark ..please someone give a contact in uk london? |
| i knw all abt the consequences and i am aware of the image loan sharks have but i really am in trouble...if i dnt get help i will lose everything..literally,all because of 2000 pounds which i will ... |
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 Do you really EARN MONEY in those online surveys when you answer them? |
do these sites (like global test market, lightspeed survey permission research, american consumer opinion, etc.) really pay for the people who answer their surveys?
do you reccommend this ... |
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 I need a way to earn money rather quickly? |
My friend had to go to the emergency room, and she's already struggling, and I'm trying as best as I can to help her with her new medical bills. (being 20 with no insurance is hell!)
<... |
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 Can someone please be my cosigner on my loan? |
i need money for college badly and i have done every loan from astrive to campusedge and bank of america and since i have no credit i can't get it. and my parents won't cosign
so i ... |
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 Should I pay off my credit card or continue putting money in my savings account? |
| I have a credit card that has a balance of $6,800 with 3.99% for life. I have a savings account with $6,000 that earns 5.02% The credit card minimum is about $120. I pay $250 each month. Should I pay-... |
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 Can anyone help? |
| I bank with a certain bank and have received a cheque from an insurance claim I made which banks with another bank. As this isnt my bank, how long will it take before the cheque clears?... |
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Living in a suitcase | I want a credit card but I'm 15 what dhould I do all my friends have one and some f them are younger than me? |
I want to get a credit card for when I travel and for emergencies but one company said that I should take the one called "start Smart" which you can only take 100 out a day.Most of my friends and tohers aged 12-16 have credit cards. How come?? What should I do to get one for instence with American Express or Visa which is even better. Please give me any links
Thanks |
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tex11e76
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OMG children are so grown up at such a young age these days!
I didn't get a credit card until i was married and with a child!
Save some money and get a bank account and a key card.
Never spend money you dont have especially at 15 because if you get yourself in trouble, which is easy to do, it will affect your life immensely. And in a bad way!!! |
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Kay
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I was under the opinion that credit cards are for 18 year olds and older. I know college kids use them for books. This is a very touchy thing because we are finding out now that credit card company's are scamming so many of us with over charges and added charges at their discretion and without anything we can do about it but pay those extra charges. Go to your parents. Talk to them about your conserns. They may suggest that they purchase a prepaid card for you to use on your "travels". Trust their wisdom in your finances. 15 is way too young to get caught up in debt and scams. |
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Mr. Wizard
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You want a DEBIT card (which looks like a major credit card), where you can only draw the $$$ that is in the card's savings account. Here's why:
Credit card lobbies in Washington D.C. ( who have congressnial AND senate leaders on stockholder payroll ) for years got clearance for allowing "adjustable rates" in their client contract plan.
What that means is, without warning, your credit card company can--and they always surely will--hike up your monthly / annual interest rate. This means you pay more $$$ on the minimum payments (and surely will NEVER pay off the complete debt owed), they hook you good---and it's like a payraise.....for them!!
And it's all legal--with great help from their stockholder congress and senate members, I might add.
Well, the folly these credit card companies enjoyed caught on w/ other banking lending agencies....and insurance and home mortgage companies jumped in and inculded "adjustable rates" in their contract plans.
The abuse of this clause, eventually led up to a major economic mess: people woke up one day and found they can't pay even the minimum monthly payments!! On an epic scale nationwide, this led to property forclosures now owned by the banking lenders---w/ no one in the market because of high lending rates....AND high petro gasoline prices!!!
Kinda like a domino effect--and we're now on the doorstep towards a economic recession.
What your friends w/ those shiny cards likely aren't telling you (or they don't realize) is their cards are likely DEBIT cards--where mommy and daddy put in so much into the card's account for withdrawal. Once the account is emptied, the card is then either rejected---or worse: OVERDRAFT fees mount up each time the card is overdrawn (a parent's nightmare). |
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Sunshinee (:
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Get a debit! its really good, my friend has one. you have to put the money on it before, instead of paying after. |
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RT(R)
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you cant..their cards are prepaid by their parents..ask your parent |
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src50
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Talk to your parents. Believe it or not, your friends don't know everything. |
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Reverend Black Grape
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The credit card companies who gave your friends cards were out to lunch. A credit card is a contractual instrument and a contract isn't valid with anyone under 18 unless the parent has signed for it. |
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Me Wizard
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start off with a debit card. you dont wanna get into credit cards unless you got a decent job |
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Lou
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Wow i dont have a credit card - and for good reason. Getting into debt at any age sucks but at 15!!! Come on! If you are worried about emergencies - open a visa debit card. It can be used like a credit card but you can only spend your own money. Then put $100 on it and keep it for emergencies - simple!
Having debt will seriously effect you when you go onto further study or try to leave home. Don't get involved it's a black hole which is hard to get out of! |
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shellanswerman
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Your friends don't have real credit cards, they have debit cards with the Visa or Mastercard logo.
Try this for starters, you can get these at the drugstore:
https://www.greendotonline.com/contents/login.aspx |
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Max
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Get as many as you can. If you are under 18 just spend away. you CAN NOT be held liable for any debt you incur. |
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