Credit - November 2007

I often use my credit card to get points for rewards, cash back and many other stuff. But is using credit cards really slower than paying with cash?

2007-11-17 13:52:15 · 6 answers · asked by ★→Damian←★ 4

does anyone know the website

2007-11-17 12:26:09 · 3 answers · asked by blondy0212 2

2007-11-17 11:28:12 · 4 answers · asked by Anonymous

i already know that i don't have a lot of credit just a little it and i would want to know what credit card would be best for me. i tried to get one from bank of america but, i was turned down because i haven't been with them that long to qualify for one....anyway i need some help asap.

2007-11-17 11:09:46 · 15 answers · asked by Anonymous

I have a question about Credit Reports and a friend told me this, and im not sure its true.. Is this true or false...If you dispute information on your credit report, you can add a consumer statement explaining the circumstances.

2007-11-17 11:05:24 · 5 answers · asked by Anonymous

to file Ch7 Bankruptcy. Thanks.

2007-11-17 09:59:26 · 2 answers · asked by Gerri M 2

I just got a thing in the mail from the Union Workers Credit Services saying I was pre-approved for a platinum credit card with a credit limit of $10,000 and an APR of 5%. It has no bank affiliation and I didn't apply for this card. My other two credit cards have credit limits of $750 and $1,500 and I don't have a great credit rating, only around 665. It sounds too good to be true so I'm hesitant to respond to it but it would be a good way to consolidate my debt onto one card and pay off my car loan.

How do I find out if this is a scam or not? It says to reply by 12/5 and send a check/money order for $37 which is fully refundable after my first purchase with my card. It doesn't give me a phone number or website, and I don't want to send $37 to someone and not be able to consolidate my debt onto this card.

I'm also not in any workers union so I don't know how the company got my name. Where can I go to see if this is a scam or not, because if it isn't, I'd be a life saver.

2007-11-17 09:03:50 · 9 answers · asked by Anonymous

ok so I gave my credit card to my brother and he puts a 5k bill on it.....
my credit is in the low 400 it was 750....I been paying it off little by little now I'm almost down...how long will it take....and how does it reflect my credit 6 months from now when I want to buy a house?

2007-11-17 08:37:20 · 3 answers · asked by MNNNN 1

I want to go back to school but I don't want to be in debt. How can I get this much money?

2007-11-17 07:49:45 · 4 answers · asked by Donkeyshane 2

I want to marry someone but this persons credit is awful,Mine is good I want to buy a home and I worry that her credit will prevent that if we marry is this true??

2007-11-17 07:23:01 · 6 answers · asked by DudeeE! 2

how can i clear up my credit with out having to pay, i can not afford it can any one help me out

2007-11-17 07:04:39 · 2 answers · asked by GREENEYES 1

does anyone have Wachovia Dealer Services as their finance lender? if so, they are going to f***k you long term... i recently lost my job two months ago and i called Wachovia and told them that i wasn't currently working and ask them to give me a defernment. Wachovia told me that i didn't qualify, due to me being a new customer. i'm now two months behind on my payments and Wachovia sends me a letter, stating that my vehicle has been reposessed and it will be reported to the 3 credit bureaus in 30 days. i was only two payments behind. i didn't think it was possible for a vechicle to be reposessed if behind on two payments. they didn't even report me 60 days late on my credit. can i fight this? i don't want my credit destroyed!! is their such an attorney that handles cases such like this? please help.

2007-11-17 06:32:41 · 4 answers · asked by Anonymous

I live in Ny state and have been out of work for awhile (returning next week). MY bills have fallen behind and the holidays are comming up real fast. I have looked and looked and looked on the internet with no luck.
I cant even be approved for a payday loan ! Does anyone know where a person can go to get a loan or credit card when you have real bad credit ?? I tried social service and they are only willing to give me $24 a month which doesnt cover my utillities or other bills....

2007-11-17 04:24:16 · 5 answers · asked by country_girl 5

My mother was planning a cruise with an old friend and had to pay in advance. She was going to pay with check but was told they required a credit card. She didn't own a credit card so went to her bank and they issued her one. They refused to accept a check. Also, car rental place only want credit cards for payment. What is another way to pay if you don't have credit cards?

2007-11-17 03:13:11 · 11 answers · asked by sevemmama 3

But when I try to call her it goes right to voicemail!
Where could I find her credit card number?
Thanks.

2007-11-17 03:05:05 · 2 answers · asked by Anonymous

2007-11-17 02:12:21 · 10 answers · asked by paddy 1

My friend told me that if I sign up for the do not mail list, that it will raise my credit 15 points. Also, how do I go on this list?

2007-11-17 01:58:31 · 6 answers · asked by Heather B 2

2007-11-17 01:48:35 · 6 answers · asked by Anonymous

2007-11-17 01:41:09 · 10 answers · asked by minnesota girl 2

how do they check your credit limit etc when you're paying for goods in a shop? and just generally, how do they work?

2007-11-17 00:32:28 · 6 answers · asked by KELLY F 3

She have HBO and Encore/High speed internet for originally
in about $135. It can affect her credit report for late payment for this cable?

2007-11-16 21:27:22 · 6 answers · asked by vikingscool 2

i got no clue what all this means.i want a credit card but not sure if i should apply.these r the fees what they mean??

Account Set-up Fee: $29.00 (one-time fee)
Program Fee: $95.00 (one-time fee)
Annual Fee: $48.00
Monthly Servicing Fee: $84.00 Annually++
Additional Card Fee: $20.00 Annually per card, (if applicable)

2007-11-16 15:21:11 · 6 answers · asked by babyphat.1984 2

I need $5,000 for home improvement. My credit is very bad. My score is 400. My home and land are only worth $40,000 and I owe $21,000. Any information is appreciated.

2007-11-16 15:04:37 · 5 answers · asked by MissKathleen 6

we need a 1200 or 1500 payday loan something, without credit check we have 3 small payday loans out and we want 1200 or 1500 to pay them off and we'll be alright then we'll have just one big loan to pay

2007-11-16 11:07:22 · 8 answers · asked by alana2005johnson 1

A friend of mine said that a company gave a presentation and said that if you have a credit card and you don't use at least half of your limit, it is bad for your credit. I've had one for about a year, and have not used it once. To me, that whole thing sounds ridiculous. Anyone know if there's any truth to this?

2007-11-16 10:58:11 · 4 answers · asked by Sam 3

they offered to lend me money but i have to pay a transfer fee has any one used the.

2007-11-16 10:00:47 · 10 answers · asked by smurf1055 1

Can I open a new account with an intro rate of 0%?

2007-11-16 09:49:11 · 6 answers · asked by Ace of Spades 5

Ok I'm very, very worried right now. I stopped paying my credit cards about one yr ago due to the fact that I dont have a job, and go to school full time. Recently, I just got contacted by a paralegal who works at a attorney's collection office. He started telling me on how much trouble I could get If I did not start paying at least 120/ a month. I owe 2,400. But there is no way I can pay. My plan was to finish my last yr of school and pay it next yr. My credit is already messed up, it sucks. But I need to finish school, and I can't work. He just scared me saying they can garnish my earnings ( which I don't have a job or savings) take away properties ( I don't have any) But my question here is what can they actually do???? Like I said I'm a Florida resident. What are the laws here when it comes to collection, and what can they actually do? I only owe about 4,000 in CC which I know I will pay as soon as I finish my career. Help!!

2007-11-16 07:52:27 · 6 answers · asked by marcela r 2

She took out a $500 loan and she thought they would just take it out of her next paycheck. Well, I guess you have to fax them in writing two days before your payday and tell them that you want to pay it off. If not, then they just take out $80, which does not go toward any of your loan. The fax number she has is always busy. We can't find a phone number for them. She asked the bank if they could get contact info for the loan company, they said that all they have is the name that the ACH comes through with, which is "BIG". Does anyone have any suggestions?

2007-11-16 07:49:32 · 0 answers · asked by hekdw 2

if i get a loan for 5000 with a reeking interest rate of 19% which then makes it about 5950 i owe total thanks to the interest rate. making my monthly payments 129.70

BUT if i then turn around and pay back 2000 of the 5000 originally owed (since i dont need the whole 5000 but thats the minimum for this type of a loan) will my interest rate STAY 19% for the remaining 3950 that i will owe? and once im down to the 3950 that i owe-what will my monthly payment be at now at this time?

thanks for any help.

2007-11-16 07:24:19 · 2 answers · asked by kburgess612 1