Credit - December 2007

2007-12-11 15:44:46 · 10 answers · asked by ruizvegas 1

When paying for a monthly credit card bill, what would be better to do...paying the whole thing late? or paying part of last month's bill on time?

2007-12-11 15:32:06 · 5 answers · asked by puffer fish 5

i owe nearly 2 thousand dollars to my bill collectors and i finally have job to start paying but they are asking for too much per month and they arent really listening to my suggestions for a payment plan.

what should i do?

2007-12-11 14:17:19 · 11 answers · asked by Darmcc15 2

So it can be used immediatly by morning?

2007-12-11 13:53:38 · 3 answers · asked by Anonymous

I've got 2 credit cards that are maxxed out at this time, but working casual it wasn't a problem for the bank to give me the cards to use but when I apply for debt consolidation then all these factors form and I'm told no go.

Another mistake I made, (which I should've known better) was that I applied for a number of online personal loan applications not realizing it would take the toll on my credit file history.

I'm going to close off one of the credit cards in early jan. (1500$) and the other one (4500$) will just be able to put 1500 and then ask to lower the limit.

My question is if I just pay off the card in one go (1500$) and haven't been keeping up with the normal monthly payments , will that show bad on my history?

I just want the cards gone... so pay off in one go, close card off .. will that be a bad idea and would it affect my prospects in applying for a loan in the future?

Cheers

oh and any other advice you want to offer to a troubled CC user.
Thanks :)

2007-12-11 12:04:31 · 7 answers · asked by troubledmuch? 1

2007-12-11 11:41:15 · 1 answers · asked by kc 1

2007-12-11 10:58:24 · 4 answers · asked by D 1

2007-12-11 10:13:40 · 4 answers · asked by Anonymous

I took out some credit cards 3 yrs. ago and now I owe, and creditors threatned to get stuff from my house...can they get things if they're my spouse's things not mine?

2007-12-11 08:48:01 · 3 answers · asked by Anonymous

2007-12-11 07:17:17 · 1 answers · asked by OysterCraving 2

I just opened a new Disney Rewards card from Chase and transferred my balance from Citi- about $2500. I realized when I went to sign up online that I had another card from Chase that has not been used in about 3 years. I called and after much pleading from the Chase person closed my account. I have an excellent credit score- but is this going to make my credit score go down? I still have the Citi card should I keep that open or cancel that?

2007-12-11 07:09:44 · 6 answers · asked by Amy S 2

I have applied for cards @ Visa, department stores, Bank of America, my own friggin bank Washington Mutual, and have got nothing, zilch, nada! So can someone tell me what's the deal? I'm a 19 year old full time student, part-time worker who @ the moment has no financial responsibilities, so have had no way to build credit. I have no idea why I keep getting denied, so can someone give me some reasons why or how, and what I can do? Thanks so much.

2007-12-11 05:52:35 · 10 answers · asked by kim j 1

We got ourselves into a mess when we refinanced our home a year ago, we were given a good faith estimate, and come to find out they gave us a pick a pay loan, we can only afford the interest. Our homeowners ins. was taken away, we called other banks to help, but even with my husbands good credit, everyone was afraid to touch it. We didn't want cash out. And we have credit card bills that are high. we only pay the interest on them too. this month was the 1st time we were late on 1 credit card. I hear a lot of credit counselers are scam artists, and we already have been scammed, so we want to be very careful this time. Any ideas? also the bank said if we don't get homeowners ins. by may, they will forclose on our house.

2007-12-11 05:46:47 · 9 answers · asked by Anonymous

2007-12-11 05:34:59 · 10 answers · asked by shann c 1

There's a bid on my eBay account that I didn't make. It's for a $58,000 automobile. I don't have this kind of scratch laying around and would never buy a Japanese sportscar.

I have reported the fraud to eBay, the FTC, my local police department, and all 3 credit bureaus? I have changed my passwords on my eBay account, my PayPal account, and my personal email.

What can I do to protect my computer...somehow I was violated and I don't like doing all this clean up work.

2007-12-11 05:23:25 · 3 answers · asked by csucdartgirl 7

Is there a max or a reasonable rate that could be achieved? With a current FICO of 670 what is the worst it could go to and what would be the increase?

2007-12-11 05:13:28 · 6 answers · asked by jinxies 2

2007-12-11 04:54:16 · 5 answers · asked by Anonymous

I have already pulled a copy of all 3 credit reports and went through and tried to recognize the items. I also have the phone numbers and addresses for some of the places, but not all. Is it best to start with the small bills and work up or the larger bills and work down? The majority of the collection accounts are for medical bills from when my daughter had surgery. Any ideas that may help me get on track would be greatly appreciated. I also know that once I get this settled and as well as now, I need to make sure all of my bills are paid on time and that the accounts in good standing need to keep low balances. Thanks.

2007-12-11 04:31:43 · 3 answers · asked by Gayle 3

FILED BANKRUPTCY ,BAD CREDIT SHOULD OF BEEN TERMINATED THEN.

2007-12-11 04:07:18 · 6 answers · asked by Matt C 1

I had received a mail that i am eligible for receiving 15 million dollars from some . i had given my credit card no and cvv no .so can that person steal money from my account just using credit card no n cvv no.if yes then what r the steps i can take to prvent that person from stealing from my account?

2007-12-11 04:02:16 · 8 answers · asked by Anonymous

I had a wack job landlord that altered the lease to make it 3 years not 6 months, we left 1 month before it was over because they were awful showing up all hours claiming they needed to do inspections, they left their stuff there and told us we were not to touch it etc. This was in MO. We moved to FL and have been here for 2 years. In a month we are moving to PA. We were not aware of this case until 5 days before the court date and we were in FL the hearing was in MO, we had no way to appear. They got a default judgment and immediately started garnishing my husbands wages. They tried to levy our bank accounts and everything. These people are nuts, i did research and they have done this to at least 5 other people. My thing is does SOL start from the date of judgment or the date on the so called contract? PA is 4 years on most creditors do they have to abide by that since thats where we are moving? We own property they didn't touch that.

2007-12-11 02:47:14 · 3 answers · asked by ♥ Crys ♥ 5

Can I use an American Express 25$ giftcard on paypal?

2007-12-11 02:15:35 · 3 answers · asked by Anonymous

I just got my first credit card and need 600 dollars cash. I was wondering if I could get the cash from the credit card and pay it back as if it was a purchase? And how?

2007-12-10 17:43:56 · 5 answers · asked by CHoP 1

2007-12-10 17:26:04 · 4 answers · asked by insanemet 1

Could someone explain to me whether or not I can buy things online with it? I got my account from Wamu...and I think I get the gist of it all, but I'm just concerned what exactly I can/can't do with it (in simple people terms, please lol)

2007-12-10 16:01:24 · 12 answers · asked by questionette 3

my husband and i have credit cards and in total for bills on them (cause they suck...capital one SUCKS and so does first financial bank--DONT USE THEM) we owe like..500 bucks.

can i pay them off a little at a time or do i HAVE to meet the lowest payment due? like...one of the payments is 200 dollars for the minimum do. can i pay only 100 and still make it off ok?

2007-12-10 15:28:31 · 7 answers · asked by Anonymous

I'm 18, and interested in getting my first credit card. I want to build up my credit which, I don't think will be a problem because I'm really good at paying bills on time. What are some good tips as well as do's and don'ts when I get my first credit card? What should I be aware of? What would be helpful to avoid?

2007-12-10 14:52:28 · 8 answers · asked by Latina111 2

hey guys

im trying to do mail-in-rebate thing

and im stucked now

what im supposed to do now is copying reciept and

rebate form things.

It says i gotta copy entire forms in one A4 if i can

but as you know, its too long to put it in one A4 print paper.

what can i do now :P

and can i cut it in half and copy?

2007-12-10 12:19:27 · 9 answers · asked by cK 1

My family are fine with it - time of year etc, will be sorted next week. But hubbies family snobs. Need a whopper of excuse for bout 1 week!?

2007-12-10 11:24:53 · 10 answers · asked by spice2504 3

2007-12-10 11:02:23 · 4 answers · asked by jon 2