Credit - December 2007

im searching for a credit card and im little bit confuse about the APR so im asking the lower the APR the better right? ( to me i think APR as a enterest rate)

2007-12-29 15:07:40 · 4 answers · asked by freelance812 2

additional borrowings during the year not available. only the balance sheet and P&L account is available for the company

2007-12-29 15:04:46 · 1 answers · asked by Nithya N 1

when i apply for a loan it says..they want 2 years of credit history...how do the figure that out?
so if i have a store card...and i make payments for 2 straight months...having a 0 balance....then i don't use the card for months and months...is that only counted as 2 months worth of credit history?!?? or does it just depend on how many payments u make?!??

2007-12-29 14:59:37 · 3 answers · asked by Anonymous

2007-12-29 14:42:08 · 9 answers · asked by hj80 1

2007-12-29 12:59:35 · 6 answers · asked by TARA r 1

I can't believe these *uckers. I mailed in my payment THIRTEEN DAYS before the due date and then they tell me it was a day late and now my interest has shot up and i need to pay 300$ for NOTHING. Really need help, i dont know how to get these idiots back. What can i do?

2007-12-29 12:50:22 · 11 answers · asked by Zeta Reticuli 3

I have gotten at least 7 purchases returned/refunded that I bought online with a credit card (ebooks/downloads) and I'm wondering if there is any way that other sites could see my return history. I am not trying to take advantage of anyone but the sites offered a money back guarantee and all of them I was not 100% satisified with. (I only purchase downloads/ebooks online if theres a guarantee because for some reason a lot of them I am dissapointed with). How is someone able to see the return history?

I'm a little ignorant as im not even 18 yet. (my mom gave me permission to use her card).

2007-12-29 12:13:10 · 1 answers · asked by Anonymous

alright i have a job at burgerking and want to save my money. 1) can i make a bank account? 2) if i open a bank account can i then get a credit card?

i want to get a credit card because if i see cash i spend it; if i see a credit card i use it only for emergences.

2007-12-29 11:10:17 · 8 answers · asked by romanian_parkour 1

2007-12-29 10:08:24 · 9 answers · asked by Anonymous

2007-12-29 09:56:10 · 7 answers · asked by rkbankett@sbcglobal.net 1

2007-12-29 09:42:25 · 4 answers · asked by ryan d 1

I have been using Citizen's Bank for awhile and just recently got hit with a few overdraft fees while I was away at college.

I really dislike how they run this overdraft policy and want to find a new bank.

2007-12-29 08:37:27 · 6 answers · asked by Bryan B 1

I owe on a loan with my family that is not actually in my name, but I've agreed to share in it, my part has about $6k left at 9%.

Then I also have my own credit card, in my name, with $17k on it (past bad choices, but it's half what it used to be) at only 6%.

I've also been considering trying to save for a downpayment on a future home.

I have a bonus coming and can apply about $10k in the next 3 months to these goals.

If I go with the highest interest, the 9% loan, that saves me the most money, but does nothing to affect my credit score as it isn't even in my name, it's "off the grid".

The 6% card would seem to make the biggest credit score impact and would "feel good" to lower my "bad debt" (I could get it below 30% of the credit limit if I attack it) but it's the better rate of the two

Finally saving for down payment? Am I better off house buying with more cash or better credit?

Pay the 9% loan, the 6% card, or just save? Or balance of the three? Thanks.

2007-12-29 07:41:29 · 12 answers · asked by halleen 1

2007-12-29 07:25:24 · 35 answers · asked by Mary 4

can someone please help me i have been looking for REAL way to make money online from data entry does anyone know of any serious websites who ACTUALLY pay u to type or is it all just a big scam?

2007-12-29 06:58:49 · 3 answers · asked by myersjonathon 2

I have a credit card that i could not make payments on for 3 months. And the result of this made them send the account to the credit bureau. So i am wondering now do i have to start making payments to them or do i have to pay the whole amount? if i have to pay the whole amount what will happen if i cant make the payment?

2007-12-29 06:17:26 · 5 answers · asked by Angel D 2

2007-12-29 04:20:20 · 1 answers · asked by Anonymous

2007-12-29 04:05:12 · 3 answers · asked by Proctor B 1

Recently my bank bounced checks becuase my fund were not available, but the funds I deposited were money orders sent in a week prior. They refunded some of the fees, but not all. I think they are breaking the law.

2007-12-29 04:01:02 · 2 answers · asked by overwhelmed999 2

My husband and I are in over our heads and we have a baby on the way. We are barely making minimum payments now and we have called to lower interest rates etc. and they are pretty low. My husband just got a new job but it won't be as high paying as the previous one. I also work full time. We don't want to file bankruptcy but we do want to try and get out of debt. Is there help for us out there? We can't pay more than 300 or so a month... we're willing to get rid of credit cards.. what can we do???

2007-12-29 03:12:27 · 10 answers · asked by primaldestiny2 1

2007-12-29 01:53:41 · 16 answers · asked by Em x 1

I filed for Chapter 7 Bankruptcy eight months ago. Currently, I do not have any credit cards. (I had to go bankrupt because I could not afford to pay unexpected medical bills.) Thank you for your assistance.

2007-12-29 01:26:08 · 6 answers · asked by sdn90036 6

I just recently turned 18 years old. I'm looking to start building my credit.. I had decided to get one credit card with decent rates and keep it paid for a while, and eventually build it up like that. I must eventually get an auto loan, however that's not an issue at the moment.

My problem is, I cannot be approved for ANY cards I am applying for, even from Capital One of all places (which was my last resort). I have NOTHING on my credit history whatsoever at this point.

I am employed, and have been for a little over 6 months.

I was going to start off with a department store credit card, however they all appear to require a driver's license, which I don't have.

Any suggestions, other than "don't get one"?

2007-12-28 20:57:30 · 7 answers · asked by Protege Chris 2

Does anyone know why they would charge you? (Since it works like a a credit card so they get the 1%?)

2007-12-28 17:47:14 · 2 answers · asked by Mary T 3

How does a secured credit card actually work?Me and my husband got into alot of trouble about 8 months ago.I was 7 months pregnant when he was in an accident.Broke his collarbone, and fractured his skull.He was unable to work for about 6 months.We lost almost everything,and our credit is now terrible.Our bank accounts got closed.We are just now starting to get back on our feet.To help us repair our credit, would a secured card be the way to go? Is it even possible to get one without any bank accounts?How do they work?How do you deposit money into them with no back account? Its just horrible right now.We live with my parents, and because of out credit we cant even get our own place now.I dont know what to do. Would this be a way to start getting back on track?Do they report it every month?Does it really help you credit?Please Help,can you give me some information about them? or have any other advice for rebuilding our credit?And what is the best secured card that you know of?Please help

2007-12-28 17:31:28 · 4 answers · asked by Anonymous

My parent told me that they wont pay for my lease car anymore, and I am student. I do not know what to do. I do not want to loose my credit which is excellent.
Thank you

2007-12-28 17:22:12 · 8 answers · asked by Anonymous

I'm getting frustrated....everything in this country revolves around credit and credit checks...i am 18, how am i supposed to get student loans, pay for a house, buy anything that needs to be financed, or do anything in my life on my own if i have to have a dang cosigner because i dont have "x" amount of dollars in a bank account to get a loan or any type of help from our rediculous government???? I want to start a business and have it all ready with plenty of available clients ready to sign up, but credit is keeping me from doing so....any suggestions....oh and dont give me that crap about government loans or grants, those things are like looking for a needle in a pile of scrap metal...

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

I have been a cardholder since 2001 with MBNA. Bank of America purchased MBNA and since then the customer service level has declined for many reasons. Most recently I received a change in terms to my account because I went over the limit in March of 2007. I chose to reject the change to the account that would take place that would change the 11.99% interest rate that I have had on the account since 2001 to a new rate of around 26%. In the amendment it stated that if I used the card, went over the limit again, or made a late payment, the default rate would apply.This month I went to make a payment today at 8:00 and was told there was no possible way that the payment could be credited today. They told me the default rate would be applied to my account for the payment being 3 hours after the posting time frame even though it was the same day. Has anyone else had this problem when they treat you like a dead-beat customer when you have great credit?

2007-12-28 14:19:08 · 10 answers · asked by chr1ssy34 2

Well I have a visa and everytime i try to order something the people call me and say it was declined. I dont know what the problem is my dad has money on it. I dont know if he doesnt have enough money or if it just doesnt work im kind of scared and confused cause i dont know if someone stole the card number or what but someone please give me some help.
Also when i order some things it asks this:
1. That i need a Card security card or CID and i dont know what that is and how to do it.
So does anyone know how to do that for a visa card or if you know an Aspire Visa?

2007-12-28 14:18:46 · 8 answers · asked by Anonymous

During my divorce my ex was ordered to pay me 7500.00 whihc was half of the credit card debt. Since he rarely worked and his credit sucked ( which thanks to him mine now does), all the cards were in my name with him just as an authorized user. Our debt was about 15,000. After the judgement against him, he has quit his job and has not paid his judgement against him to me. My lawyer says there is nothing i can do until he goes to work and i can garnish his wages. That these cases are easy to get the judgement but hard to collect the money. I have since negoiatated with all 4 companies and paid these cards off by doing a settlement with them, I paid in full about 50% total of what we due as each company offered me a different settlement amount. I heard that if i owed ( liabilities) more than i owned ( assets) at the time of the divorce that i do not have to claim this income and file these 1099cs i have read about..is there any truth to that??..i sure hope so...

2007-12-28 13:39:41 · 1 answers · asked by ilovedenverbroncos 4