Credit - December 2007

All you have to do is not spend what you don't have and keep an eye on your interest rates and read between the lines.

2007-12-30 11:37:05 · 12 answers · asked by David W 2

It seems the collection agency that has my credit card bill has charged thousands in interest.

2007-12-30 11:18:21 · 9 answers · asked by Anonymous

...but I read that they don't take back opened games. I just bought it on Friday, and absolutely hate it. I would take a gift card and just buy something there. Doesn't seem fair that I would be stuck with someone I don't like. I have only returned one thing at Wal-Mart, about 10 years ago, so I rarely do it.

Any suggestions?

2007-12-30 10:47:30 · 6 answers · asked by Anonymous

Hi there i have a very bad credit history and i was wondering if it was possible to be put on my mums credit card as an additional cardholder. Supposedly all my mum does is fills out my details on an application form and i sign it and gets sent away just to add my name onto it. Supposedly it doesnt matter about my credit history as they continue to base this on the conduct of my mums account as she is the actual account holder and she would be responsible if i ran up debt i.e. it would be up to my mum to determine whether or not i am a trustworthy person. I was trying to find any links on google that explain how the additional cardholder works. Someone did say that if my mum was to default with her payments then it would affect me. Let me know what you think.

2007-12-30 10:47:11 · 11 answers · asked by Anonymous

too much? lol

2007-12-30 10:33:54 · 13 answers · asked by dizzzybubble 4

Im recently divorced. I want a fresh begining....How do I up my credit score and clean things up a bit? I need normal everyday people ideas with in my budget.

2007-12-30 10:24:29 · 5 answers · asked by Anonymous

How to predict credit limit change on credit cards?

I have two credit cards . I never missed payments. Usually I would pay off the balance in full. I am wondering how popular credit card companies increase credit limit. DO they double the limit? I am in Australia

2007-12-30 09:40:30 · 4 answers · asked by Swagato 2

2007-12-30 09:18:14 · 3 answers · asked by sparkle 1

long story but in the end i need to know how to obtain pretty cheap real-legal advise (live in texas). my parents took my old credit cards and racked them up and didn't pay and now i'm being hounded by creditors and my credit, which was perfect, is horrible now. parents are VERY poor already with 6 siblings still living with them and i don't want anything bad to happen to the kids because of my parents' stupid decisions. any ideas? i dont think suing would be the best idea because i'd never get the money since they don't have any.

2007-12-30 09:13:29 · 6 answers · asked by flynn 2

everything i need to know about credit?
and how to keep good credit?
my mom has terrible credit and i have a fear of ending up like her.

2007-12-30 08:44:16 · 4 answers · asked by Anonymous

if my brothers girlfriend applys and gets a credit card in my brothers name (my brother knew about it and gave his consent along with all his personal info) and she defaults on it can he then press charges against her saying she obtained it fraudulently? the card was received in august of this year and she even used it with him with her. i don't believe he has any recourse, but just want to know what everyone else thinks.

2007-12-30 08:42:31 · 2 answers · asked by Anonymous

What I would like to know if there is a preference, advantage, or any difference whatsoever between these two.

2007-12-30 07:51:56 · 3 answers · asked by digitexter 1

I got my paycheck its not big because i dont work many hours because i go to school. My paycheck was 325 deposit i had an overdraft of 110 which i believe is wrong because when i went to pull out $ from the ATM it said i had $ money in their and when i called the bank. When my paycheck got in i called and it said i have $139.19. I dont think thats right 139.19 out 325. They said i had another overdraft from a company taking out my $ and i didnt know so i called and the company gave me back the refund which was was only 7.99 But what do i tell the bank they took out more than half of my money when they shouldnt have. Everytime I call the bank its says i have money even the reciepts from the ATM say i have $. I dont understand how could i have these overdrafts when my reciepts say i have $ and so did the bank. What do i tell them to get at least half of my $ back?

2007-12-30 07:37:53 · 22 answers · asked by Confused 3

I do not recall having this credit card. I did file a bankrupcy around that time and it is not on the creditors list filed. This credit card is for over 5,000 dollars and I think I would of at that time rememberd to file bankrupcy on it if I even had this card! 16 years later they contact me (NCO financial systems) and the interest is over 13,000 dollars! When I called them, the only proof they had on this chase/assignee of providence mastercard was that a payment of 110.00 was made in July of 1992 and thats all they have. That is not enough proof for me. When I called Chase, there is no such account number. What are my rights? I dont think their going to stop hounding me about this, I received 2 bills, and the interest is increasing!!!

Please help,
Kim

2007-12-30 07:21:17 · 18 answers · asked by kimull2000 1

2007-12-30 07:16:18 · 9 answers · asked by princessninjamuffin 1

What can I do?

2007-12-30 07:13:21 · 6 answers · asked by Steve M 1

2007-12-30 06:44:26 · 7 answers · asked by Bo Gus 2

Hello I certainly am looking for a card that reports to all 3 bureaus. However I've seen cards saying they report to 4 more than once I've seen this. What is that. Are they going to fair isaac as well. This has me stumpt.

2007-12-30 06:37:02 · 2 answers · asked by digitexter 1

i have a check from my summer job that i just found today when i was cleaning up my desk and it expired last month so is there anyway to cash it still or get at least some money from it?

2007-12-30 06:25:00 · 8 answers · asked by Ryan 2

My plan is aggressive and I hope not too ambitious, but I'm beginning to see the light. Good luck to you.
Happy new year.

2007-12-30 06:10:02 · 7 answers · asked by Hans B 5

I just received my first card this week from a very good bank. Also another application to Chase Bank was declined. I want to apply for another credit cards, is it a good idea? or it can be bad for my (just born) credit history?

Thank you!

2007-12-30 05:52:53 · 6 answers · asked by Anonymous

I do not understand

Some say paying charge offs hurts ur credit some says not paying them hurts it


Ok wtf what does it all mean

2007-12-30 04:10:51 · 3 answers · asked by Anonymous

2007-12-30 02:31:53 · 7 answers · asked by Anonymous

My account has never been delinquint.

2007-12-30 00:55:10 · 7 answers · asked by Steve 3

If you don't use your credit card for the month, does the bill not come!? I swiped the bill from my parents and they haven't said anything...

2007-12-30 00:05:13 · 6 answers · asked by Anonymous

I have survived Christmas. Phew!
But now I have looked at the Credit Card bills, and even though I knew that they were high going in....They debt owing is far greater than I had imagined.

I have goals. Dreams for the future with my family. In order to achieve them, I am going to have to get rid of the debt first.
I have my vehicle on the market to sell. This will pretty much remove I'd say around 80% of the lump.
I am certain that with some smarty-pants ideas & ingenuity, the remaining money can be paid off within a few months.

I am not using the credit cards anymore. only paying towards the balance owing.
I set up an ebay account so I can sell some things i no longer need/use/want.
A budget is being created for effective payment dates, and an allowance every week, etc...

Does anyone have some neat tricks to help me stretch my pennies a little bit more?
I am thinking that if the ebay thing works well, I may make some things and sell them that way, too.
Thanks!

2007-12-29 22:01:37 · 6 answers · asked by Anonymous

How can a kid under 18 buy things online? Like i heard about a prepaid credit card. Is it like a card that you put money on, and you can use it to buy stuff online with? help please :]

2007-12-29 16:53:44 · 30 answers · asked by vampiree 1

like... anything.

2007-12-29 16:48:52 · 8 answers · asked by Anonymous

Iam staring school Jan.16 and I dont have all the money to pay for college, i need to pay for books, transportion, tutions,rent,etc. But the bad thing is I very bad credit, Is there any website that can help me out?

2007-12-29 15:29:34 · 4 answers · asked by reallyblessed2009 1

How do I get my credit cleared? My first name is his middle and vice versa, I know its a simple error, but all if his stuff is on mine and I cant get any cards or anything..? What do I do?

2007-12-29 15:26:28 · 7 answers · asked by Sasha 1