Credit - December 2007

I recently applied for my first credit card and got approved, and have an online account. However, I am a bit confused. My current balance stands at about $50, but my statement balance is at $0. My guess is that the statement balance is the amount I am actually billed, whereas the current balance is simply how much I've used during the current billing cycle? What further confuses me is that the due date is today, but when I try to pay, I can't. I selected "pay balance in full," but it didn't work because it was at $0. Then I tried "pay minimum balance," and that didn't work either because that was also at $0. So, do I owe nothing as of now, and should I wait until a statement balance shows up? Help with this would be great. Thank you.

2007-12-13 08:12:45 · 6 answers · asked by adidasallstar 2

My mom got a card with my name on one of her accounts a while back, for me to use for emergencies, and such. I am the only other card holder, and the account was in her name. She just passed away. She is survived by her husband.

I have about $6000 on the card now that I plan to pay in full within the next month. (When I get the life insurance settlement)

However, I just used the card to make a large purchase, (because I figured, I'm paying the whole thing off in
I don't know exactly what I should tell them. If I should just say, that I went ahead and used it, after she passed, because I knew I was going to pay it off ----- or if I should call them back and act like I just found out she passed (it was in the past 2 weeks) and that I didn't know that at the time I used the card.

2007-12-13 07:57:14 · 7 answers · asked by bdb4269 2

I have a medical bill from February 2000 that I considered at the time, and still consider, to be illegitimate. I didn't pay it.

In 2004 it was sold to a collection agency.

No negative mark was ever made on my credit report from the medical facility, and now that seven years have passed and they no longer claim the debt, I presume no negative mark can be made by them.

But what about the collection agency? Does the fact that they purchased the account in 2004 post-date the debt? Or does the original statute of limitations still apply?

2007-12-13 07:36:43 · 11 answers · asked by Anonymous

I'm a full time college student and I have a part-time job. I already have a bank account at WaMu, but I was wondering which credit card line i should apply for? I was thinking of either Capitol One or Discover Card.. which credit cards do you guy have? And how do you like it?

2007-12-13 07:28:58 · 10 answers · asked by Butters<3 2

I confused of my brother say. he told me he cannot get cash in his credit card but it say on his credit card he have available credit and cash but same amount..( dont know if he just lying)

2007-12-13 06:11:29 · 7 answers · asked by Anonymous

i have 2 credit cards that i got when i refinanced my car. my credit history is pretty new. only 11 months. i accepted those 2 credit cards because by that time i was in the middle of some finantial issues and basically i got them as a "in case of emergency" cards. i only used one and i paid it off recently. Both have ZERO balance. I have another 4 credit cards which i use frequently and i take good care of the payments: always on time and not using more than the 40% of the credit limit

2007-12-13 03:55:45 · 4 answers · asked by Anonymous

My credit card company is offering money at 3.9% should i take some of the money and pay down my car loan which is 7.9% ? Thanks.

2007-12-13 03:39:09 · 8 answers · asked by kakeydec 4

are there any reliable websites that offer instant credit checks (UK) where i dont have to enter my bank acount details and/ or pay a fee.

Thanks

2007-12-13 03:38:43 · 2 answers · asked by Anonymous

i cant afford to make up the last one? im screwed for the first time! how does foreclosure happen? i have no money to pull from anywhere and probably wont be able to come up with it until january what can i do??

2007-12-13 03:11:36 · 27 answers · asked by toolate 3

i have been looking for a loan, to help me sort out my low score credit, as i want to start my own business, and have been offered a loan from this mr wilson, to the point of me being asked to send money to a secretary in nigeria, by weston union, has anyone out there been here, have you had any dealings,?? urgent answers needed,

2007-12-13 01:55:07 · 4 answers · asked by help needed 1

2007-12-12 16:28:34 · 5 answers · asked by amydkone 1

I checked my bank statement the other day and found someone had used my credit card number to sign up for several services that provide tips to gamblers. I contacted the merchants who charged my card and one of them provided me with the email address that was used to sign up for the service. Essentially, I have the email address of the person who took my credit card. Is there any way to figure out who took my card? If it is possible, can I find out who it is, or do the police need to get involved? Also, does anyone know how to contact Yahoo? They are the email provider of the theif and may have more information about the person who created the email account. Thank you for your answers

2007-12-12 13:18:11 · 5 answers · asked by Anonymous

Im new to the credit world, just a baby kid. Anyway, My payment is due on the 19th of every month. Lets say I pay it off on the 16th, but then on the 18th i spend again. Will i have to pay that off too, or will that roll over to my next months payment?

2007-12-12 13:07:11 · 8 answers · asked by Kyle 2

2007-12-12 12:23:37 · 21 answers · asked by the d 6

I received an OBVIOUSLY fraudster email supposedly from the government of Nigeria and DID NOT respond to it, claiming they would give me an ATM card with $800,000 in my name (of course they will) *all* they wanted was my.

1.YOUR FULL NAME:
2.PHONE NUMBER/FAX NUMBER:
3.ADDRESS TO SEND THE ATM CARD (P.O BOX NOT ACCEPTED)
4.YOUR AGE AND NATIONALITY:
5.OCCUPATION:
6.GENDER:

These things could be found rather easily by any one one who wants to spend a day or so of detective work, can this little bit be enough to apply for a credit card or a loan in my name?

2007-12-12 11:05:42 · 6 answers · asked by Vultureman 6

does any one know a free credit report service that does not have any hidden charges?

2007-12-12 08:13:57 · 14 answers · asked by mjamesladd 2

Ive been scammed. A company called momentum direct has taken money from my bank account twice and Ive contacted them to get my money back several times.(8) Both through E-mail and phone calls. And nothing .Its been over a month and a half, and now I'm looking to file charges. Would greatly appreciate any help.

2007-12-12 08:03:01 · 4 answers · asked by Darcy B 2

2007-12-12 07:42:51 · 3 answers · asked by Yajaira O 1

Should I just allow the entry to just "fall off", or set up a payment plan to pay the bill off?

Please elaborate on answers... I really need help.

Sinicerly,
25 and wanting to GET OUT OF DEBT!!!

Thx!

2007-12-12 07:03:07 · 7 answers · asked by MsLadie 3

I need legal advice on how to handle a debt problem. I owe $10,000 to 3 USA credit cards each, so a total of $30,000. I am broke, but according to all the lawyers that I have consulted (all of them belong to the California American Board of Certification, the national certification board for bankruptcy, or the ones rated on the Best bureau Business,) tell me that I can file for bankruptcy, but the judge will not allow the debts to be discharged (Is a long story and all the lawyers ask me why and once I explained them, they agree that is not advisable).
I have lived a hell suffering because I think is not ethical to avoid paying, but I am broke, my plan was not to do this, they offered me credit cards with balance transfer and I used them as a way to borrow money while I was solving my problems here, but things did not worked the way I planned and suddenly I cannot obtain more balance transfers and the debt is there but I am broke.
So, I am not looking for a lawyer to file bankruptcy, I am looking for a lawyer that answers my questions that I will have through the collecting and suing process.
I am Mexican, I have lived in Mexico the last 7 seven years of my life. I do not have any assets in the US nor in Mexico or anywhere, I do not have any assets at all.

The same lawyers that I have contacted, I have asked them for a legal consultation, but, they do not offer that, some of them have suggested me to look for a lawyer with practice in the debt collect law. So, my first question is where to look for a reliable lawyer. The questions that I have right now for this lawyer are below, just in case you want to give your opinion if have had any experience on this.

What happens if I answer the call and tell them that I will not pay them?

If I tell them that I do not have any asset in the USA?

And I am not living in the USA?

And I am broke?

I am not American (this may cause that the bank send a notice to migration)?

They may find out that I have some relation with that address in California is that a problem for the people that live there?

Are they ever going to go the California address?

They may find out my address in Mexico, is that a problem?

If in the future I want to go to the USA, Will migration sends me to jail or does not allow me to be there?

How long does it take from the initial of collecting until the release of charges from being sued?

What happen if they sue me?

2007-12-12 06:58:21 · 5 answers · asked by cocuixtle 2

I want to get a loan, but my credit stinks, and i heard these companies are good but im trying to compare.Im trying to build my company, and i need to borrow only like $5,000.

2007-12-12 06:09:26 · 2 answers · asked by Brian P 1

I received a call from a collection agency today. They told me a credit card debt from November 2000 was going to be turned over to the IRS.
I have never heard of this happening.
Before all you haters start freaking out on me like I ran up some debt and didn't pay up, there are private circumstances that I will not discuss here.
Can a debt over 7 years old be turned over to the IRS?

2007-12-12 05:26:09 · 10 answers · asked by momvader73 4

2007-12-12 05:07:10 · 8 answers · asked by Anonymous

I got a aaa visa gift card, decided to give it as a gift to my son but, I signed my name on the back of the card before I made the decision, he's 13, would he be able to use the card himself anyway?

2007-12-12 03:14:09 · 4 answers · asked by tamilynn 3

2007-12-12 02:41:37 · 8 answers · asked by elisag9816 2

2007-12-12 02:30:39 · 8 answers · asked by arbee 1

I owed visa Providan 700 bucks over 6 years ago , so it's been on my credit report for 6 years . A month before it was gonna be deleted off my credit report a Credit agency bought this and now i have VIsa and this new Agency on my report saying i owe 700 .. Is there anything i can do

2007-12-11 22:29:58 · 5 answers · asked by bigantdog22 1

Hi all,

please tell exactly how to cut and deface a credit card with scissors as i want to cancel mine. SHould I sent the cut pieces of card to credit card company??

regards,

jens

2007-12-11 17:00:48 · 10 answers · asked by Anonymous

2007-12-11 16:59:06 · 4 answers · asked by von_d79 1

I have 5 months left on a year long lease. I want to move out. I understand that I signed the lease and I have a cosigner. Is there any law in the state of pennsylvania that would allow me to remove myself from a rental lease? I would be willing to pay a penalty. At this point I am looking at paying for 5 months rent up front and just leaving the property. If there is any chance I could pay less then the full amount that would be fantastic. I just don't want to be sued by my landlord or the other individuals who signed the lease. Please HELP!

2007-12-11 16:11:58 · 4 answers · asked by lovephila86 1