Credit - February 2007

I was late on my payment last month which put me over the credit limit on my credit card and my minimum payment this month is now $200.00! Crazy... I know, but I have another card with nothing on it. Should I transfer the balance of my over limit card to the other one so that I wont be charget all of those extra fees? Also will I even be able to transfer the balance, since I owe money and it is over the limit already? Do I have to pay first? thanks to all of your answers in advance...

2007-02-03 01:45:45 · 2 answers · asked by Kourtnie04 2

2007-02-02 23:37:40 · 4 answers · asked by hrt 2

thats around £6000 p.a.

2007-02-02 21:32:31 · 10 answers · asked by john764736 1

I have one card. But I want a larger limit. Should I apply for another with a larger limit, or can I do it with this itself? How do I go about it. If someone can shed some light...would be appreciated.

2007-02-02 19:34:05 · 7 answers · asked by ? 6

2007-02-02 19:25:23 · 5 answers · asked by Anonymous

i paid them the full amount. now i am free person, my morgage is coming for renewal? about 7 seven month from now? how lond would take for my score to go up , my is 530

2007-02-02 18:09:21 · 1 answers · asked by krazysilk 1

Their brochure mentions "customized savings plan" and says generally they have average settlement of approx. 35% of balances owed. This outfit has an "Inc." and does charge fee according to debt amount. About how much? Anyone know??? If someone could better explain this I'd know whether or not this is my best way of getting out of debt. I've posted b4, saying I've very good credit. How would a "settlement" process affect my good credit? Would it lower my score (735)? I'm a renter with 4 ccards-three of which carry High APRs. I'm thinking about using my credit union for a lower interest loan to pay off these cards. Anybody have suggestions. I'm a disabled senior living on m'socialsec and want to get my debt down or gone. Anybody??? I don't quite understand this "savings plan"...Would I save in my own personal account and not with them? I don't think I'd be comfortable sending them money to save for me. Who has had any experience with this type outfit??? Thanks in advance; you're all gr8

2007-02-02 17:58:53 · 1 answers · asked by MJ D 3

I know other collection accounts can, but what if they sued you?

2007-02-02 17:37:15 · 5 answers · asked by Anonymous

I'm looking for a credit card. I don't want one that will start me with a low interest rate and then automatically jump it to a high rate just so that they can get money off of me, even if I am paying the balances. I'm a student and not too familiar with all the credit options. Any help is greatly appreciated! Thanks

2007-02-02 17:01:09 · 6 answers · asked by Anonymous

Not paying a credit card bill on time (but still paying within a week or so for instance) or other similar "minor offenses", such as spending more than my allowed limit on my credit card, decrease our credit score although no notes are written to that effect in the report.

I was just wondering how long it takes for suchs events to be removed from a credit report (ie.: when the points lost for paying a CC bill a few days late will be "returned") ?

2007-02-02 15:21:25 · 5 answers · asked by Alex 1

I'm sure you all know you can pay with a credit or debit card without having to go inside the gas station. I heard there are security risks doing that. I heard somebody can stick an instrument in the slot where you put the card in, and that instrument can charge a lot of money on your card. Is this true? Is there anything to look for when you pay outside at the gas station to avoid this?

2007-02-02 15:17:07 · 2 answers · asked by Brandon S 6

My son and his ex-roommate have been turned over to a collection agency for terminating their apartment lease early. My son is willing to pay for half of the debt since the lease was in both their names, but the collection agency is insisting that he pay the full amount since they haven't been able to collect from the other boy. Also, they refuse to work out a reasonable payment plan. They want him to pay $400 a month and have threatened to garnish his wages. He's only 20 yrs old with no assets and can't afford that much. Can they force him to pay for all of it on their terms?

2007-02-02 15:12:02 · 7 answers · asked by karlbritt 1

I want to get one.
But before I do, has anyone ever use them successfully on PAYPAL.
I heard that some people try to scam PAYPAL with those cards.
I heard that they might not work on PAYPAL.
Which one is it?
THANKS

2007-02-02 15:09:42 · 3 answers · asked by evil_twin 2

My credit was really really bad a year ago (4-something), but within the last year I paid off alot of debt, paid my bills on time, etc. in other words I grew up. I know its still low. Now I'm in the market for a new/used auto, and wondering If I could get preapproved for a loan. I was thinking maybe Capital One...........I would prefer not to go through the stealership............any info........thanks

2007-02-02 15:02:35 · 7 answers · asked by nunu12 2

My credit was really really bad a year ago (4-something), but within the last year I paid off alot of debt, pay my bills on time, etc. in other words I grew up. I know its still low. Now I'm in the market for a new/used auto, and wondering If I could get preapproved for a loan. I was thinking maybe Capital One...........I would prefer not to go through the stealership............any info........thanks

2007-02-02 15:01:21 · 16 answers · asked by nunu12 2

i have a credit card for about over a year and when i first got a this credit i was ignorant about it..let alone i could not get apporved for a CC for variou reasons/ when i got thsi card and was acceoted i was happy enough to keep it. over a yr later i learned more about CC and apr and fees and basicly this specific card has a very small limit and i get charged nearly 20.00 extra per month. i want to cancel it and pay off the fees. do others pay this much extra a month? cancelation a good idea? and would it be better to dump the charges on a better card? thanks

2007-02-02 14:51:45 · 7 answers · asked by justsomeone 1

Are there some things that never come off? Do the negative things only come off after they are paid?

2007-02-02 14:26:52 · 9 answers · asked by Anonymous

How can I see my credit score online F R E E? Without having to buy something or use credit cards and debit carsd? Thank you.

2007-02-02 14:05:32 · 6 answers · asked by Quita 1

2007-02-02 13:46:55 · 8 answers · asked by Zoe W 2

I want to refinance our house and take my husband off the loan and put the loan only in my name incase we divorce he dosent' want to do this because he is afraid i might end up with more than him he wants me to give him 4000 dollars and then he said i can put the house loan in my name only he is a you know what. Is their anything i can do? He keeps making threats to me about money because he don't want me to get anything i will be the one stuck with the freakin house payment for money he has nicely tucked away in some other country what can i do?

2007-02-02 13:42:38 · 7 answers · asked by mistiful2001 2

(Children about 11+)

2007-02-02 13:23:09 · 2 answers · asked by Gama 1

If so which one did you use?

How many points did they improve your credit?

How long did it take them?

2007-02-02 13:05:07 · 2 answers · asked by Debbie S 1

Why would I want to use one over the other? I suppose, just for completeness, I'll also ask about American Express and Discover cards.

2007-02-02 13:01:59 · 8 answers · asked by G A 5

I have just returned to the country after working overseas and gotten my credit report. It is awful. There are mistakes and perhaps a few things that are correct. All were based on emergency surgery I had with no health insurance. My story may be worse than some and better than others. Regardless, I need help getting it corrected. I know that there are many companies out there, some that are good and some that are not. I am hoping there are some individuals who can guide me towards the good ones. Any advice would be greatly appreciated. Thanks in advance.

2007-02-02 12:20:02 · 8 answers · asked by irienjamaica 1

Hi, someone told me that financing a car is not good for your credit history regardles if you pay it all on time or not. Is this true?
Thanks.

2007-02-02 11:38:42 · 2 answers · asked by let 1

approval?
Somebody in my family is using a credit card on my name claiming that it is a part of thier account and cannot hurt me.

2007-02-02 11:25:17 · 10 answers · asked by Anonymous

his current attorney is trying to screw him over and he needs a loan to get a new Lawyer. I think he doesn't but he insists . the lawyer has his property on lien

2007-02-02 10:49:25 · 5 answers · asked by George G 5

I am in need of a small personal loan for $6000 to help pay off some bills and help my family move. I do have bad credit and have tried all different websites, even prosper.com, and they would not help me, and were kinda rude about it. So I need to know if anyone has any ideas on how I can get this loan, and I need it fast, like in a week or so. Thanks!!

2007-02-02 10:16:17 · 11 answers · asked by pl ty 1

i got a check from new york cause i sold something on a auction site....well i got the check and they did not sign it....does that mean its no good....and the check is also printed out not written....and its from Penton Learning System from new york.....and from a chase bank check....so if a take it to a chase bank can they figure out whos it is or can they cash it or can they not cash it or what....or is the check no good since it has no signature

2007-02-02 10:05:34 · 2 answers · asked by Anonymous

i need this because i like music and my parents won't let me us their credit cards

2007-02-02 10:00:33 · 3 answers · asked by sweetcheeks 2