Ok so im 17, and i dont have a credit card and i want to buy somethin but i need a credit card for it and i only have cash. How can i buy something without a credit card? Oh and My Parents won't buy me it with their credit card.|||Technically you have to be 18
HOWEVER you do not need a credit card to register on eBay so your fine there
to pay for items eBay has a policy which is all items must have Paypal as a paying option which again you don't need a credit card you can link your normal bank account and pay using that foe buyers this is the best option as Paypal will cover you if the seller doesn't send the item or it's damaged or not as described you just let them know they investigate and if the seller can not prove it was sent ect you will be refunded from Paypal up to 20,000
Your other options are,
bank deposit - you go into the bank and deposit cash into there account alot off sellers prefer this as it saves them on fees BUT this is usually the easiest way to become a victim off a scam check there feedback
Cash on delivery- they send the item and when you pick it up from the post office you pay then and the post office sends the seller a money order, this method is pretty safe but will cost you about 15 more as the post office charges a fee,
bank cheque or money order- you can get bank cheque from your bank give them the cash they'll give u the cheque then post it to the seller money orders are the same except through the post office,
99.9% off sellers will accept one off the above non Paypal options just email and ask them, Paypal charges alot off fees so sellers are happy when they don't have to pay
GOODLUCK|||You're out of luck, kid.|||Because a purchase on Ebay is a legal contact and because only those 18 and above can enter into such a contract you cannot buy via ebay.
Saturday, December 17, 2011
How many who are in favor of credit cards work for credit card companies?
If no one ever paid for use of credit cards, the credit card companies would go out of business.|||Most people who have credit cards use them as they were intended and actually pay the balances in full every month. Credit cards are a short term convenience. They are not meant to be long term financing.
If people who run up big credit card balances and only pay mininimums all paid off and stopped using credit cards, the credit card companies would still be just fine. They would save all the expense of collection calls, lawsuits, and writing off bad debt. In fact, they'd probably save so much that the credit card companies could increase the reward benefits!
No, I've never worked for a credit card company.|||You have this backwards. If credit card companies go out of business no one would have access to quick credit.
If you use credit cards wisely they HELP you. Not hurt you. There is no reason to ever pay a fee or pay interest if you pay off the balance charged every month and choose a card wisely.
And no, I don't work for a credit card company.|||If no one ever paid for delicious fudge-dipped cookies, the Keebler Elves would go out of business. Your point?|||47% of Americans pay their credit cards in full each month.
They have never paid interest or any fees.
They carry the top credit scores.
/
If people who run up big credit card balances and only pay mininimums all paid off and stopped using credit cards, the credit card companies would still be just fine. They would save all the expense of collection calls, lawsuits, and writing off bad debt. In fact, they'd probably save so much that the credit card companies could increase the reward benefits!
No, I've never worked for a credit card company.|||You have this backwards. If credit card companies go out of business no one would have access to quick credit.
If you use credit cards wisely they HELP you. Not hurt you. There is no reason to ever pay a fee or pay interest if you pay off the balance charged every month and choose a card wisely.
And no, I don't work for a credit card company.|||If no one ever paid for delicious fudge-dipped cookies, the Keebler Elves would go out of business. Your point?|||47% of Americans pay their credit cards in full each month.
They have never paid interest or any fees.
They carry the top credit scores.
/
Why is it bad for credit to cancel a card?
I have 3 credit cards that I just never use. I have kept them for emergency purposes. If I need a credit card for something, I just use my debit card. (Is this really a bad thing?)
Anyhow, one of the creditors just informed me that they will charge a fee even if you have a zero balance, and also an extra fee for foreign purchases. Of course, I want to cancel. Is this bad? Also, I already cancelled 2 dept store cards, Lerner %26amp; Spiegel, last year.|||I don't know where the poster had gotten their information - the one who said having credit cards that have balances at zero means the accounts are maxed out and fully utilized - totally wrong.
Available credit does not equal debt. If your cards are at zero or below 30%, your utilization would look great.
And if that is the case, a credit analyst would not see a person that is "in" debt. But rather as a person who is credit worthy (as long as there are no derogatories, such as late pays, charge offs, etc.)
Anyway-
If one of your creditors told you that they will start charging a fee, by all means call them and cancel.
As for the other 2 cards, if those are the only cards you have you might leave them open. About every 6 months charge something small on them, socks, gum, whatever. Then pay in full when you receive the statement.
That way you would be keeping the cards open/current and paying in full when you receive the statement will mean paying no interest.
You would be making the cards "work for you" in giving you a good history, showing that you can handle credit, lowering your auto insurance, giving you a good chance at lower rates on future credit (car/home), etc., etc., etc.
edited to add a thumbs up to Sarah for an excellent answer.|||Hi,
I used "Credit Solution" to settle my debt.They managed to reduce my debt up to 58%.I came accross this company while watching NBC.Check it out here:
http://www.tkqlhce.com/click-1813149-10467845|||Using your debit cards for emergencies can be a bad thing because most gas stations put a $75 hold on your account, even if you only get one gallon of gas. Some places may have a surcharge for using your card as a "debit."
The main reason I don't use debit cards is that if the card number is stolen, you could have your entire account wiped out before you can do anything about it. Some banks don't put the money back into your account until they're done with their investigation. I've known two people this has happened to (both at Wachovia) and it caused major headaches for them both. (For what it's worth, many credit card companies are starting to waive the $50 liability fee for fraudulent charges.)
As for closing your credit cards, you should keep your oldest card open... unless it's the evil card that charges the fee for zero balance. Is it, by chance, American Express? That's just insane, though... annual fees are EVIL. See if you can open up another credit card that doesn't have an annual fee and has low APR.
Closing bank cards can hurt your score because you increase your debt-to-credit limit ratio (because you reduce your amount of available credit) and and the length of your credit history may suffer.
I know that there are a lot of Dave Ramsey fans and those who have had horrible experience with credit cards who advise people to live without credit, but try getting a mortgage without credit! You can live within your means, you've showed that by using your debit card. If you don't like credit cards, you don't have to use them. Please don't close all of your cards... it's like a loaded gun: it's best to have and never need to use than need and not have... and it can end up hurting you if misused.|||No, it's not bad. Having multiple credit cards is bad. Opening and closing accounts frequently would show up as negative on your report. Pick one credit card that has no fees when not being used. Doesn't your debit card have a credit card associated with it - they usually do now, and that's all you would need. Go ahead and cancel the ones you do not use.|||It's weird that cancelling a credit card can negatively influence your credit rating but it can.
When you have a credit card, your credit history shows that credit card as being fully utilized. So if you have a Visa card with a $5000 credit limit, your credit history shows that you have $5000 in debt even if there isnt one cent on the credit card bill.
When a credit analyst looks at your credit history and they see that you have say three credit cards, they see you as a person who has $15,000 in debt but there have been no delinquencies, collections, etc. In short, you look like you can handle the $15,000 debt well and have had no problems.
When you cancel a card that shows up on your credit history too--just that you cancelled and nothing else. But now it might look like that you used to handle $15,000 in debt well but you've lowered that to $10,000. So to a credit agency it might "look" like you cant handle the $15,000 debt even though to you it is only being financially sound. It's weird logic but it is what happens. When you think about it, it is the reason why a person who has never had a shred of debt in their life cant get a first credit card while the person who already has 5 credit cards has an easy time getting the sixth. The person with 5 has shown they can pay their debts. The person without a credit history has never demonstrated that even though they can be the most reliable person on the planet.|||Yes, it can affect your credit score to cancel several credit cards at once. I don't know why. Instead, cancel one now and another in 6 months, then another in a year.|||No, it's not bad. It just means that you don't need them anymore.|||Sarah and Echo both brought up excellent points. Me myself, I use my debit card for everyday activities and if I have to, use my credit cards in an emergency. I agree that you shouldn't have to pay a fee if you're doing what you should do in the first place: keeping the balance managable. Even though you could get away with closing a card, keep in mind that when you do that, you're shortening your account history and your utilization (credit limits). Another thing that could do. You could use them as bargaining chips to get annual fees and interest rates lowered. Credit card companies hate it when people close their accounts becuase the competition offered something better. They'll do everything possible to keep you becuase chances are they'll have to spend that money anyway to give you an offer to get your business back. Not only you could come out with high limits, but you could also some away with lower interest rates and best of all, NO FEES. So be cautious, and continue to make good decisions with your credit
Anyhow, one of the creditors just informed me that they will charge a fee even if you have a zero balance, and also an extra fee for foreign purchases. Of course, I want to cancel. Is this bad? Also, I already cancelled 2 dept store cards, Lerner %26amp; Spiegel, last year.|||I don't know where the poster had gotten their information - the one who said having credit cards that have balances at zero means the accounts are maxed out and fully utilized - totally wrong.
Available credit does not equal debt. If your cards are at zero or below 30%, your utilization would look great.
And if that is the case, a credit analyst would not see a person that is "in" debt. But rather as a person who is credit worthy (as long as there are no derogatories, such as late pays, charge offs, etc.)
Anyway-
If one of your creditors told you that they will start charging a fee, by all means call them and cancel.
As for the other 2 cards, if those are the only cards you have you might leave them open. About every 6 months charge something small on them, socks, gum, whatever. Then pay in full when you receive the statement.
That way you would be keeping the cards open/current and paying in full when you receive the statement will mean paying no interest.
You would be making the cards "work for you" in giving you a good history, showing that you can handle credit, lowering your auto insurance, giving you a good chance at lower rates on future credit (car/home), etc., etc., etc.
edited to add a thumbs up to Sarah for an excellent answer.|||Hi,
I used "Credit Solution" to settle my debt.They managed to reduce my debt up to 58%.I came accross this company while watching NBC.Check it out here:
http://www.tkqlhce.com/click-1813149-10467845|||Using your debit cards for emergencies can be a bad thing because most gas stations put a $75 hold on your account, even if you only get one gallon of gas. Some places may have a surcharge for using your card as a "debit."
The main reason I don't use debit cards is that if the card number is stolen, you could have your entire account wiped out before you can do anything about it. Some banks don't put the money back into your account until they're done with their investigation. I've known two people this has happened to (both at Wachovia) and it caused major headaches for them both. (For what it's worth, many credit card companies are starting to waive the $50 liability fee for fraudulent charges.)
As for closing your credit cards, you should keep your oldest card open... unless it's the evil card that charges the fee for zero balance. Is it, by chance, American Express? That's just insane, though... annual fees are EVIL. See if you can open up another credit card that doesn't have an annual fee and has low APR.
Closing bank cards can hurt your score because you increase your debt-to-credit limit ratio (because you reduce your amount of available credit) and and the length of your credit history may suffer.
I know that there are a lot of Dave Ramsey fans and those who have had horrible experience with credit cards who advise people to live without credit, but try getting a mortgage without credit! You can live within your means, you've showed that by using your debit card. If you don't like credit cards, you don't have to use them. Please don't close all of your cards... it's like a loaded gun: it's best to have and never need to use than need and not have... and it can end up hurting you if misused.|||No, it's not bad. Having multiple credit cards is bad. Opening and closing accounts frequently would show up as negative on your report. Pick one credit card that has no fees when not being used. Doesn't your debit card have a credit card associated with it - they usually do now, and that's all you would need. Go ahead and cancel the ones you do not use.|||It's weird that cancelling a credit card can negatively influence your credit rating but it can.
When you have a credit card, your credit history shows that credit card as being fully utilized. So if you have a Visa card with a $5000 credit limit, your credit history shows that you have $5000 in debt even if there isnt one cent on the credit card bill.
When a credit analyst looks at your credit history and they see that you have say three credit cards, they see you as a person who has $15,000 in debt but there have been no delinquencies, collections, etc. In short, you look like you can handle the $15,000 debt well and have had no problems.
When you cancel a card that shows up on your credit history too--just that you cancelled and nothing else. But now it might look like that you used to handle $15,000 in debt well but you've lowered that to $10,000. So to a credit agency it might "look" like you cant handle the $15,000 debt even though to you it is only being financially sound. It's weird logic but it is what happens. When you think about it, it is the reason why a person who has never had a shred of debt in their life cant get a first credit card while the person who already has 5 credit cards has an easy time getting the sixth. The person with 5 has shown they can pay their debts. The person without a credit history has never demonstrated that even though they can be the most reliable person on the planet.|||Yes, it can affect your credit score to cancel several credit cards at once. I don't know why. Instead, cancel one now and another in 6 months, then another in a year.|||No, it's not bad. It just means that you don't need them anymore.|||Sarah and Echo both brought up excellent points. Me myself, I use my debit card for everyday activities and if I have to, use my credit cards in an emergency. I agree that you shouldn't have to pay a fee if you're doing what you should do in the first place: keeping the balance managable. Even though you could get away with closing a card, keep in mind that when you do that, you're shortening your account history and your utilization (credit limits). Another thing that could do. You could use them as bargaining chips to get annual fees and interest rates lowered. Credit card companies hate it when people close their accounts becuase the competition offered something better. They'll do everything possible to keep you becuase chances are they'll have to spend that money anyway to give you an offer to get your business back. Not only you could come out with high limits, but you could also some away with lower interest rates and best of all, NO FEES. So be cautious, and continue to make good decisions with your credit
What is the best method for consumer credit card debt relief?
We started a program with "Consumer Credit Counselors" This progarm has us pay the Consumer Credit Counselors, then they pay the credit cards every month. All they do is lower some of the interest rates. They don't negotiate amount owed. The payments are too high for us, so we looked into other alternatives. We found one company that will do it differently for less. They have you pay into an escrow account, and they pay off each credit card individually. They say they negotiate lower balances and interest rates. The payment would be lower and the payoff time cut in half. Does anyone know of any reason we shouldn't do this? Are there any other better ways? WHAT IS THE BEST WAY TO GET CONSUMER DEBT RELIEF with no loans?|||I am not saying that debt settlement/negotiation is the wrong way to go. However, it will damage your credit further.
If you choose to settle on your debts, you can do this without paying enormous fees to a debt settlement company. Keep in mind that any forgiven debt of $600 or more is automatically reported to the IRS, in which you would owe taxes on it as a form of income.
If you can continue to make the payments on your current plan, then that is likely the best option for you. If you are having trouble, give your credit counselor a call to discuss possible changes to your account.|||Ask them if it will affect your credit rating also. I know a couple who did it and they paid off their bills in about 3 years. Oh, and find out if they are a non profit agency. If so, you may be able to write off what you pay them to do this from your taxes.|||Be very careful with these credit counseling and debt management companies. Some will NOT make your payments so that you can get behind. Once behind, the debt management company will try to settle your debt. This will completely trash your credit!
Also, keep in mind that debt management and credit counseling will reflect negatively on your credit report. When a person goes to one of these companies, they are basically saying that they don't know how to manage money.
The BEST method of getting out of debt is to do it yourself. The major benefit of this approach is that YOU learn to control your money. Otherwise, you're not really addressing the problem. Most people get into debt because they don't know how to control themselves (i.e. I want something so I buy it).
My wife and I teach a class at our chruch that helps people get out of debt and learn how to manage their money. In the two years that we've been teaching the class, we've been able to help many people eliminate debt so that they can build wealth.
You can contact me directly if you need some advice on getting out of debt. Please only contact me if you're truly committed to getting out of debt yourself. I will not advise you to borrow money, file bankruptcy or use debt management/credit counseling.
Scott.....|||Why pay them when you can contact your credit card companies yourself and what they will accept for you to get them paid off. They WILL negotiate... they just want their money and they would rather get a little than nothing at all.|||Hi, these articles should help you:
Ways to Consolidate Debt
http://www.debt-explained.com/category/Ways-to-Consolidate-Debt.html
Structured Settlements Guide
http://www.debt-explained.com/category/Structured-Settlements-Guide.html
If you choose to settle on your debts, you can do this without paying enormous fees to a debt settlement company. Keep in mind that any forgiven debt of $600 or more is automatically reported to the IRS, in which you would owe taxes on it as a form of income.
If you can continue to make the payments on your current plan, then that is likely the best option for you. If you are having trouble, give your credit counselor a call to discuss possible changes to your account.|||Ask them if it will affect your credit rating also. I know a couple who did it and they paid off their bills in about 3 years. Oh, and find out if they are a non profit agency. If so, you may be able to write off what you pay them to do this from your taxes.|||Be very careful with these credit counseling and debt management companies. Some will NOT make your payments so that you can get behind. Once behind, the debt management company will try to settle your debt. This will completely trash your credit!
Also, keep in mind that debt management and credit counseling will reflect negatively on your credit report. When a person goes to one of these companies, they are basically saying that they don't know how to manage money.
The BEST method of getting out of debt is to do it yourself. The major benefit of this approach is that YOU learn to control your money. Otherwise, you're not really addressing the problem. Most people get into debt because they don't know how to control themselves (i.e. I want something so I buy it).
My wife and I teach a class at our chruch that helps people get out of debt and learn how to manage their money. In the two years that we've been teaching the class, we've been able to help many people eliminate debt so that they can build wealth.
You can contact me directly if you need some advice on getting out of debt. Please only contact me if you're truly committed to getting out of debt yourself. I will not advise you to borrow money, file bankruptcy or use debt management/credit counseling.
Scott.....|||Why pay them when you can contact your credit card companies yourself and what they will accept for you to get them paid off. They WILL negotiate... they just want their money and they would rather get a little than nothing at all.|||Hi, these articles should help you:
Ways to Consolidate Debt
http://www.debt-explained.com/category/Ways-to-Consolidate-Debt.html
Structured Settlements Guide
http://www.debt-explained.com/category/Structured-Settlements-Guide.html
How do you add a credit card to your Canadian XBOX live account?
I've tried to add a credit card to my xbox live silver account but it only gives me the option of state and zip code. How can I change it to Province and Postal Code?|||During the initial setup, you probably set your Locale to USA. Go to System Settings %26gt; Console Settings %26gt; Locale, and set it to Canada.
I recommend you don't add your credit card to your Live account, because Microsoft will keep it there, and if you want to delete it, you have to call Xbox Live, then wait 30 days for it to be removed. Just go to stores and buy cards.
I recommend you don't add your credit card to your Live account, because Microsoft will keep it there, and if you want to delete it, you have to call Xbox Live, then wait 30 days for it to be removed. Just go to stores and buy cards.
Does the credit card debt restart if a different agencies send letters about your debt even after 6 years?
I mean i heard after 6 years or so your credit card debt is written off, but if during those 6 years you get letters from different solictors, agencies etc does this include the 6 years or is it restarted from the beggining when to a another agency?|||I'm not sure if you are asking about the reporting time line or the statute of limitations so I will address both.
Derogatory accounts show on your credit report for 7-years from the date of first delinquency. It is illegal to re-age debts.
The statute of limitations however can be restarted if you pay on a old debt or in some States be even admitting that the debt is yours.|||First, six years is wrong. On credit reports, unpaid credit card debt lasts for seven years. The statute of limitations, which pertains to someone filing a lawsuit against you, not to your credit report, is usually less, but varies by state.
Second, the time periods are not supposed to restart. It sometimes happens anyway. After 7 years, check your credit report and dispute anything over 7 years old.
Derogatory accounts show on your credit report for 7-years from the date of first delinquency. It is illegal to re-age debts.
The statute of limitations however can be restarted if you pay on a old debt or in some States be even admitting that the debt is yours.|||First, six years is wrong. On credit reports, unpaid credit card debt lasts for seven years. The statute of limitations, which pertains to someone filing a lawsuit against you, not to your credit report, is usually less, but varies by state.
Second, the time periods are not supposed to restart. It sometimes happens anyway. After 7 years, check your credit report and dispute anything over 7 years old.
What are the consequences of credit card fraud?
My teacher in my Economics class gave us a handout and we need to research on this. A man at his workplace took down credit card information, and used it to purchase an item online for 180.00. What we have to find out is if it is likely this case would be investigated, and what the consequences or punishments are for this action, as well as how likely he'd be caught. Does anyone know the details? Would an insurance agency typically not go full out on a transaction this low? In my opinion, i would think not because it wasn't a HUGE amount of money but I may be wrong.|||The Title 18 of the U.S. Code, Section 1029 provides the penalties for “fraud and related activities in connection with access devices,” where access devices refers to any means of account access, including credit cards, account numbers, and PINs, as well as telecommunications services and equipment. The laws in the code prohibit things such as producing, possessing, trafficking in, or soliciting for access devices with the intent to defraud.
Depending upon circumstances regarding the offense and how many counts one is charged with, it could carry a prison term of not more then 10 -20 years and fines as well as forfeiture to the United States of any personal property used or intended to be used to commit the offense.
That's Federal, now each state also has their own laws regarding the illegal use of ones credit card and/or information.
As to a small amount like that, I doubt anything will happen (unless this person has done it before).
Hope this helps answer your questioin
|||In most place over 200.00 is a felony. In most cases it would be up to the credit card company. The person is only affected if they say it was identity theft in this case it can be 1-5 years in jail a fine of up to $10,000 depending on the state. The variables is:
if it was done by mail,internet,phone fraud.
identity fraud.
amount.
State.
normally the person can get away with a settlement for the fine. It depends on if they have a lawyer and if the DA-district attorney has enough proof to convict. Most likely it would only be a fine and could be probation.
www.creditrepairuniverse.net
24 Hour credit dispute
Erase:Chex-systems, bankruptcy, judgments, repossessions, collections,
charge-offs, late payments, inquiries
Free Cpn,Scn:New credit File in your own Social Security|||I think it also has to do with the person who had his credit card info taken. Like if he pressed charges, etc|||DEATH!
Depending upon circumstances regarding the offense and how many counts one is charged with, it could carry a prison term of not more then 10 -20 years and fines as well as forfeiture to the United States of any personal property used or intended to be used to commit the offense.
That's Federal, now each state also has their own laws regarding the illegal use of ones credit card and/or information.
As to a small amount like that, I doubt anything will happen (unless this person has done it before).
Hope this helps answer your questioin
|||In most place over 200.00 is a felony. In most cases it would be up to the credit card company. The person is only affected if they say it was identity theft in this case it can be 1-5 years in jail a fine of up to $10,000 depending on the state. The variables is:
if it was done by mail,internet,phone fraud.
identity fraud.
amount.
State.
normally the person can get away with a settlement for the fine. It depends on if they have a lawyer and if the DA-district attorney has enough proof to convict. Most likely it would only be a fine and could be probation.
www.creditrepairuniverse.net
24 Hour credit dispute
Erase:Chex-systems, bankruptcy, judgments, repossessions, collections,
charge-offs, late payments, inquiries
Free Cpn,Scn:New credit File in your own Social Security|||I think it also has to do with the person who had his credit card info taken. Like if he pressed charges, etc|||DEATH!
How do I approach a credit card company to pay off a bad debt?
I owe Discover Card some money and have been charged off for a while now. I have some extra money now and want to pay off the debt. I'd like to try to at least have it look better on my credit report. What's the best way to approach this? Do I have any leverage to negotiate?|||I'm not really sure, but perhaps this website could help. I've looked up articles here that give advice on credit and debt. Look at the finance category. Good luck!
http://www.articlemotron.com/|||Teel them you are thinking of declaring bankruptcy and want one last try to fix your debt and that you have a lawyer and almost ready to file but want to see what kind of settlement they can offer you.|||The best thing you can do is call them and tell them you want to work with them to pay this bill. As long as you show that you want to work with them, they will usually work with you. I believe that as long as you pay them something (the original person you owe) that they can't sent it to collections.
But I don't understand. You say it has been charged off. That sounds to me that they are taking the loss and your credit is already affected. If that is the case, just calling them and paying it off isn't enough. You need to start by calling them, get more info. For example, can you still work with them or do you have to work through a collection agency? Then you need to find out, no matter who you are working with, if they will remove the bad mark on your credit if you comply with the agreement you make.
I did work with a collection agency and paid it off and they offered, without me asking, to take it off of my credit. Worked out great. Shows you what a phone call and cooperation will do.|||It depends how long your card has been in rears, they likely could have passed it on to a collection agency in which case you will have to deal with them. Call the 1-800 number on the back of the card and find out the status of the account. You have no room to negotiate, after all if someone owed you money would they have any? i think no|||just call, ask for a collections account manager, ask for the best offer they can give you to clear it, right then.or offer an amount yourself, say from 60% or what you have. shucks all they can do is say "no thanks".
But here is a idea, offer to resume payments, at a higher minimum, a lower interest rate, and payoff within a specific period.
This will show them you have given considerable thought to working this out. stress the fact you would like to salvage it, and keep the card, and improve your rating. just be nice and respectful, you never know......
card companies often will take an account of out of collections and resume posting positive rating's ! this is way better than collections payoff, even if you dump the card later, you'll have improved your score a few points. That will save you a lot more than the small penalty you'll pay now.|||Before you make your decision, you need to know a few things.
1) Debts can not be reported on your credit history for more then 7 years, beginning on the date of the delinquency.
2) Debts do not have to be paid back if the Statute of Limitations has expired. Most states SOL is 4-6 years.
3) Paying off a debt does not remove negative information from your credit history. Instead of showing "charged off" or "in collections"..it will show that it is now paid. But it still will have notations that it was in collections or had late payments. It's still a negative mark on your credit history, even though you paid the debt back!
4) As debts get older on your credit history, they are not given as much importance when your credit score is calculated. Recent debts and activity do! By paying off your old debts, you now turn your debt into "recent activity" status and it will actually hurt your credit.
Therefore, after taking in all of these facts, my first question is "Are you trying to fix your credit or just clear your guilty conscious because you have an unpaid debt".
Let me answer the second part of this question.....when you stopped paying on the debt, the creditor gave you a choice. Pay your bill or they will ruin your credit for 7 years. You didn't pay, so now this debt has been ruining your credit history. Why on earth would you want to pay them twice?
But if that's what you want, here is what to do.
Send them a letter (NO phone calls, you want everything in writing). In it, make this proposal:
1) Agree to pay $xxx.xx amount. Negotiate something, and start at 40% of the balance. For example, if you owe $1000, offer to pay them $400. they will certainly counter-offer, so find an amount that you can afford to pay back.
2) If you plan to pay this back all at once, that is a benefit to them! Make them pay something back in return.
3) Demand that in exchange for this payback, they must agree IN WRITING to DELETE any negative information from your credit history regarding this debt. Remember, you want your credit fixed, and paying this bill will NOT accomplish that.
4) Demand IN WRITING that once you have paid the agreed upon amount, it will constitute "payment in full" and the unpaid balance will not be sold or transfered to another collection agency.
My opinion...if this debt is more then 5 years old, and you are not trying to fix your credit due to a major purchase in the near future, don't pay it. Let it drop off after the 7 year period. It is very unlikely they are going to sue you after all this time (but it is possible).
Good luck.|||There are several ways to approach this. Here is some additional info. Hope this helps.
http://www.articlemotron.com/|||Teel them you are thinking of declaring bankruptcy and want one last try to fix your debt and that you have a lawyer and almost ready to file but want to see what kind of settlement they can offer you.|||The best thing you can do is call them and tell them you want to work with them to pay this bill. As long as you show that you want to work with them, they will usually work with you. I believe that as long as you pay them something (the original person you owe) that they can't sent it to collections.
But I don't understand. You say it has been charged off. That sounds to me that they are taking the loss and your credit is already affected. If that is the case, just calling them and paying it off isn't enough. You need to start by calling them, get more info. For example, can you still work with them or do you have to work through a collection agency? Then you need to find out, no matter who you are working with, if they will remove the bad mark on your credit if you comply with the agreement you make.
I did work with a collection agency and paid it off and they offered, without me asking, to take it off of my credit. Worked out great. Shows you what a phone call and cooperation will do.|||It depends how long your card has been in rears, they likely could have passed it on to a collection agency in which case you will have to deal with them. Call the 1-800 number on the back of the card and find out the status of the account. You have no room to negotiate, after all if someone owed you money would they have any? i think no|||just call, ask for a collections account manager, ask for the best offer they can give you to clear it, right then.or offer an amount yourself, say from 60% or what you have. shucks all they can do is say "no thanks".
But here is a idea, offer to resume payments, at a higher minimum, a lower interest rate, and payoff within a specific period.
This will show them you have given considerable thought to working this out. stress the fact you would like to salvage it, and keep the card, and improve your rating. just be nice and respectful, you never know......
card companies often will take an account of out of collections and resume posting positive rating's ! this is way better than collections payoff, even if you dump the card later, you'll have improved your score a few points. That will save you a lot more than the small penalty you'll pay now.|||Before you make your decision, you need to know a few things.
1) Debts can not be reported on your credit history for more then 7 years, beginning on the date of the delinquency.
2) Debts do not have to be paid back if the Statute of Limitations has expired. Most states SOL is 4-6 years.
3) Paying off a debt does not remove negative information from your credit history. Instead of showing "charged off" or "in collections"..it will show that it is now paid. But it still will have notations that it was in collections or had late payments. It's still a negative mark on your credit history, even though you paid the debt back!
4) As debts get older on your credit history, they are not given as much importance when your credit score is calculated. Recent debts and activity do! By paying off your old debts, you now turn your debt into "recent activity" status and it will actually hurt your credit.
Therefore, after taking in all of these facts, my first question is "Are you trying to fix your credit or just clear your guilty conscious because you have an unpaid debt".
Let me answer the second part of this question.....when you stopped paying on the debt, the creditor gave you a choice. Pay your bill or they will ruin your credit for 7 years. You didn't pay, so now this debt has been ruining your credit history. Why on earth would you want to pay them twice?
But if that's what you want, here is what to do.
Send them a letter (NO phone calls, you want everything in writing). In it, make this proposal:
1) Agree to pay $xxx.xx amount. Negotiate something, and start at 40% of the balance. For example, if you owe $1000, offer to pay them $400. they will certainly counter-offer, so find an amount that you can afford to pay back.
2) If you plan to pay this back all at once, that is a benefit to them! Make them pay something back in return.
3) Demand that in exchange for this payback, they must agree IN WRITING to DELETE any negative information from your credit history regarding this debt. Remember, you want your credit fixed, and paying this bill will NOT accomplish that.
4) Demand IN WRITING that once you have paid the agreed upon amount, it will constitute "payment in full" and the unpaid balance will not be sold or transfered to another collection agency.
My opinion...if this debt is more then 5 years old, and you are not trying to fix your credit due to a major purchase in the near future, don't pay it. Let it drop off after the 7 year period. It is very unlikely they are going to sue you after all this time (but it is possible).
Good luck.|||There are several ways to approach this. Here is some additional info. Hope this helps.
How can you get a credit card with no credit?
And what are some credit cards for people with no credit? What sites are fraud and which are not? I really need to know. I'm looking to build credit. I'm 19 and I've never had any kind of credit card. Could I have credit without doing that?
Much help appreciated!!|||I agree with the secured card suggestion.
If you have a credit union in your area, stop by and ask about their secured credit cards. These cards are excellent ways to establish credit.
This is how they work.
Say you want a $500 credit limit. You will need to deposit $500 into a savings account to back the credit card. Note, this is NOT funding for the card. It is a guarantor savings account that will only be touched in the event your payment is late or you default on the card (both very bad ideas).
The bank issues you a credit card for $500. You use it, just like a regular credit card, making timely payments (to better increase your credit score, never go over 30% of your credit limit at any time).
In the meantime, the credit union is reporting your good payment history to the credit bureaus, establishing and raising your credit score. With responsible use, most credit unions will elect to convert your secured card to an unsecured card with a higher credit limit after a year or two. As a bonus, you will still have that money in savings to back your secured card and it will have earned some interest.
The reason I recommend credit unions over banks is because more credit unions offer these cards than banks and second, credit unions won't charge annual membership fees or other bogus fees that banks love to charge, and in all cases, the APR for the card will be lower than secured cards from banks.
You may find you like dealing with a credit union so much, you'll decide to move your other accounts to it. I moved accounts to a credit union ten years ago and never regretted the decision. They treat us as valuable members instead of nuisances or cash cows. We got our last auto loan through them at a much lower interest rate than the banks were charging and, since credit unions are member owned, we get a dividend check deposited into our savings account every year.
Don't apply for retail or gas cards. Retail cards have tightened credit requirements considerably and are, in some cases, more difficult to get than bank cards. Also, each application for credit, whether approved or not, can lower your FICO score by 5 points due to the "hard pull" inquiry on your credit report and stay there for two years.
With no credit, you can almost certainly qualify for a secured card.|||Go to any reputable bank and ask for a secured credit card.|||19 Are you in college? Any student loans in your name . I had perfect credit and didn't know it in college . Even though u may not have had any payments on a student loan yet is shows up on a report as unsecured debt in good standing (a.k.a. good credit ). I went to establish credit and wound up in bad shape financially . But if u must have a credit card most banks have a program where if you give em 250-500 bucks they will issue you a secured credit card(if u don't pay on it u lose your deposit) but be careful make sure that the card goes from secured to unsecured in 6-12 months . Another way is to have a substantial down payment on a car / house . The more u put down on something the less risk is involved for the lender . If finacially it is not feasable maybe we should be looking at saving money before we try and establish credit One final word: Credit is for investing - not consumer spending , it'll save u a lifetime of frustration|||Store credit cards (Best Buy or Target) are a good place to start building credit. Make sure you pay them off quickly though, they have very high rates.
Weistie doesn't sound like she knows a whole lot about credit, secured credit cards are a fine way to get started but the advice about a car or home loan are unrealistic. No one will qualify for a car loan or a mortgage without some good credit history, even with a big down payment.|||Many "secured" credit cards are available, but only if you deposit money in a bank first.
Do not apply on any websites. Go into a bank that offers secured credit cards and do it in person. You will need to go into the bank anyway, to deposit the money, before you obtain the secured credit card.
Do not apply for any credit cards that are not secured. Applying for credit cards that are not secured before you have credit is not a way to get a credit card. It is a way to prevent yourself from getting a credit card in the future. (They keep track of applications and may reject anyone who has a history of applying too much.)
Much help appreciated!!|||I agree with the secured card suggestion.
If you have a credit union in your area, stop by and ask about their secured credit cards. These cards are excellent ways to establish credit.
This is how they work.
Say you want a $500 credit limit. You will need to deposit $500 into a savings account to back the credit card. Note, this is NOT funding for the card. It is a guarantor savings account that will only be touched in the event your payment is late or you default on the card (both very bad ideas).
The bank issues you a credit card for $500. You use it, just like a regular credit card, making timely payments (to better increase your credit score, never go over 30% of your credit limit at any time).
In the meantime, the credit union is reporting your good payment history to the credit bureaus, establishing and raising your credit score. With responsible use, most credit unions will elect to convert your secured card to an unsecured card with a higher credit limit after a year or two. As a bonus, you will still have that money in savings to back your secured card and it will have earned some interest.
The reason I recommend credit unions over banks is because more credit unions offer these cards than banks and second, credit unions won't charge annual membership fees or other bogus fees that banks love to charge, and in all cases, the APR for the card will be lower than secured cards from banks.
You may find you like dealing with a credit union so much, you'll decide to move your other accounts to it. I moved accounts to a credit union ten years ago and never regretted the decision. They treat us as valuable members instead of nuisances or cash cows. We got our last auto loan through them at a much lower interest rate than the banks were charging and, since credit unions are member owned, we get a dividend check deposited into our savings account every year.
Don't apply for retail or gas cards. Retail cards have tightened credit requirements considerably and are, in some cases, more difficult to get than bank cards. Also, each application for credit, whether approved or not, can lower your FICO score by 5 points due to the "hard pull" inquiry on your credit report and stay there for two years.
With no credit, you can almost certainly qualify for a secured card.|||Go to any reputable bank and ask for a secured credit card.|||19 Are you in college? Any student loans in your name . I had perfect credit and didn't know it in college . Even though u may not have had any payments on a student loan yet is shows up on a report as unsecured debt in good standing (a.k.a. good credit ). I went to establish credit and wound up in bad shape financially . But if u must have a credit card most banks have a program where if you give em 250-500 bucks they will issue you a secured credit card(if u don't pay on it u lose your deposit) but be careful make sure that the card goes from secured to unsecured in 6-12 months . Another way is to have a substantial down payment on a car / house . The more u put down on something the less risk is involved for the lender . If finacially it is not feasable maybe we should be looking at saving money before we try and establish credit One final word: Credit is for investing - not consumer spending , it'll save u a lifetime of frustration|||Store credit cards (Best Buy or Target) are a good place to start building credit. Make sure you pay them off quickly though, they have very high rates.
Weistie doesn't sound like she knows a whole lot about credit, secured credit cards are a fine way to get started but the advice about a car or home loan are unrealistic. No one will qualify for a car loan or a mortgage without some good credit history, even with a big down payment.|||Many "secured" credit cards are available, but only if you deposit money in a bank first.
Do not apply on any websites. Go into a bank that offers secured credit cards and do it in person. You will need to go into the bank anyway, to deposit the money, before you obtain the secured credit card.
Do not apply for any credit cards that are not secured. Applying for credit cards that are not secured before you have credit is not a way to get a credit card. It is a way to prevent yourself from getting a credit card in the future. (They keep track of applications and may reject anyone who has a history of applying too much.)
Is it possible to pay an institution using credit card without disclosing pin number?
I wanted to pay an institution through mail. They wanted me to provide my credit card number and said that was enough. Do I need to send my pin number along with it. How can they get the payment with just the credit card number?|||Usually when paying by credit card, you need to provide only the card number and expiration date.
Most real credit cards don't even *have* PINs. PINs are ordinarily only required when using your debit card at an ATM or point of purchase (swiping the card at the grocery store, for example).
You may also need to provide the security code found on the back of the card. Not all vendors require this number. If they need it, they'll ask for it.|||Check the terms of your debit card but most of them allow a "pay by credit" option where the transaction is treated as a credit card transaction and no PIN is required, if you're really talking about a debit card. I've never assigned a PIN number to my credit card.|||Tell them you don't have a pin number on your CREDIT card.
I have never had one.
If they mailed it to me, I simply threw it away.
What they are doing sounds scammy to me.
If you are using a checking account DEBIT card, yes, give them your pin.
/
Most real credit cards don't even *have* PINs. PINs are ordinarily only required when using your debit card at an ATM or point of purchase (swiping the card at the grocery store, for example).
You may also need to provide the security code found on the back of the card. Not all vendors require this number. If they need it, they'll ask for it.|||Check the terms of your debit card but most of them allow a "pay by credit" option where the transaction is treated as a credit card transaction and no PIN is required, if you're really talking about a debit card. I've never assigned a PIN number to my credit card.|||Tell them you don't have a pin number on your CREDIT card.
I have never had one.
If they mailed it to me, I simply threw it away.
What they are doing sounds scammy to me.
If you are using a checking account DEBIT card, yes, give them your pin.
/
How do I build credit without a credit card and low credit?
I have a credit score of about 580 that i would like to improve... .. but I can't get approved for a credit card that I can actually afford up front.... Do I need to take out a small loan... is that even possible?|||Have someone add you as a Co Borrower to an exsisting credit card with no late dates and a low balance (a card like American Express, Bank of America, Chase, etc that reports to bureaus). In about 90 days that credit card should show up on your credit. Try to get your own low limit credit card and always keep the balance below 50% and pay every month. Make sure the person takes you off as co-borrower once you get your credit card and provide a letter to you so you have it for your records.
Credit Score is not factored by Debt to income. That is a huge misunderstanding. When you pullyour credit with the credit bureaus they do NOT ask for you income and you get a score. Most places will ask for income but it has no relevance to your score. What factore determine your score is how many collection, charge offs, liens, judgements, installment laws, revolving credit, balances on revolving credit, and late dates. Balances over 50% of the high credit limit on revolving accounts are derogatory, too many reveloving accounts are derogatory and also collections, charge offs, late dates, judgements that arent satisfied, and too many recent inquiries all negativly impact your score.
Some people may say that you can get a credit card where you give the company say $200.00 that becaome your credit limit and you use the card then make payments every month. I see about 50-100 credit reports a day and I've never seen those cards show up on anyones credit.|||Believe it or not, building good credit starts with paying your telephone bill and utilities on time. Never skip a month. It is fairly easy to get low credit line department store credit cards. Say you keep your purchases under $100 or so but pay the account on time and in full before the next purchase (this is a good way to establish good credit) Never over draw your bank account (Visa/Master cash card) Do not use more than 3 credit cards. Try to get a small loan from your credit union where you work. Pay it off on time or ahead and use the account for reference for a larger purchase like a major household appliance or tv . All this will help you to establish credit .Next biggie would be a car and then who knows what other kind of mischief you could get into (ha ha)|||Well, if you think you can make the monthly payments on a small loan then go for it, but if you apply for a gas card (BP, Shell) you will normally get approved. My husband applied for one and he didn't have any credit. He got approved. His limit was only like 300 dollars. It really helped him build his credit. Plus they really come in handy if you don't have any available cash for gas.|||Credit is improved by several factors.
Debt to income, available credit to debt, available credit to income, and ability (willingness) to pay bills.
You can inprove your credit score by continuing to pay bills on time (even if it's utility or phone) and not making late payments.
Also by resolving any past due bills or those in collections.|||oh I can very much relate with your situation dearie, a month ago I got assistance from NHBS, Inc and indeed they have great loans, credit programs to offer, I even had my son got his first credit card from them, all the best to you and I know youll be ok soon
http://www.newhorizon.org
that is their site
goodluck
smiles
Credit Score is not factored by Debt to income. That is a huge misunderstanding. When you pullyour credit with the credit bureaus they do NOT ask for you income and you get a score. Most places will ask for income but it has no relevance to your score. What factore determine your score is how many collection, charge offs, liens, judgements, installment laws, revolving credit, balances on revolving credit, and late dates. Balances over 50% of the high credit limit on revolving accounts are derogatory, too many reveloving accounts are derogatory and also collections, charge offs, late dates, judgements that arent satisfied, and too many recent inquiries all negativly impact your score.
Some people may say that you can get a credit card where you give the company say $200.00 that becaome your credit limit and you use the card then make payments every month. I see about 50-100 credit reports a day and I've never seen those cards show up on anyones credit.|||Believe it or not, building good credit starts with paying your telephone bill and utilities on time. Never skip a month. It is fairly easy to get low credit line department store credit cards. Say you keep your purchases under $100 or so but pay the account on time and in full before the next purchase (this is a good way to establish good credit) Never over draw your bank account (Visa/Master cash card) Do not use more than 3 credit cards. Try to get a small loan from your credit union where you work. Pay it off on time or ahead and use the account for reference for a larger purchase like a major household appliance or tv . All this will help you to establish credit .Next biggie would be a car and then who knows what other kind of mischief you could get into (ha ha)|||Well, if you think you can make the monthly payments on a small loan then go for it, but if you apply for a gas card (BP, Shell) you will normally get approved. My husband applied for one and he didn't have any credit. He got approved. His limit was only like 300 dollars. It really helped him build his credit. Plus they really come in handy if you don't have any available cash for gas.|||Credit is improved by several factors.
Debt to income, available credit to debt, available credit to income, and ability (willingness) to pay bills.
You can inprove your credit score by continuing to pay bills on time (even if it's utility or phone) and not making late payments.
Also by resolving any past due bills or those in collections.|||oh I can very much relate with your situation dearie, a month ago I got assistance from NHBS, Inc and indeed they have great loans, credit programs to offer, I even had my son got his first credit card from them, all the best to you and I know youll be ok soon
http://www.newhorizon.org
that is their site
goodluck
smiles
How long does it take to get a credit card off your credit report?
I am closing a credit card (because I paid it off and it has an annual fee). How long does it take to come off your credit report?|||good or bad items on your credit report stay on for 7 years. nothing you can do but wait for 7 years|||if its legitimate takes 7 years|||10 year if in good standing and
7 if there is negative info .|||The best thing is to not just use it. It won't hurt your credit report having the credit card that you are not using being there. I don't think that you have to pay the annual fee if you are not using it.
Althought it won't hurt either if you cut off that certain credit card in your report - just make sure it is o balance.
7 if there is negative info .|||The best thing is to not just use it. It won't hurt your credit report having the credit card that you are not using being there. I don't think that you have to pay the annual fee if you are not using it.
Althought it won't hurt either if you cut off that certain credit card in your report - just make sure it is o balance.
What happens if i never pay off my credit card?
So i have a credit card with 700$ in it and i've already used it all but now i need to pay it off. But the thing is i don't want to.
I wanted to know what will happen. Will they keep charging me for late fees and increase the debt further? I already know that my credit score will suffer because of this but how much? This is actually the only opened card i have on deck right now.|||If you never pay of your credit first, you will receive numerous calls from the bank to pay your bills, if you still don't make progress, the calls would increase and letters would be sent as reminders and later on as warnings.After a period of time, you would receive calls not from the bank but the debt collection agency instead.The agency holds the right to call you at any time of the day be it night or morning and force you to pay with any method. This sometimes includes harassment and harsh conversations.If the court finds you guilty, the agency has the right to deduct your paycheck and liquidize your assets to get their money back. Finally they would blacklist you from other bank facilities as well. Better you pay|||Of course your debt will increase further. They are in the business to make money. They are not going to write off your debt.
You will be making a huge mistake if you never pay off your credit card. Once you miss a payment, your APR will be raised to 30% or so because they want to make as much money as they can. You will have the interest rate plus late fees and your balance will go up even more. They will probably let your fees continue this way for 6-12 months. Then they will take you to court and sue you. They can get a court order to garnish your wages so that your paycheck goes directly to your debt. You may not have enough left for rent, food, and utilities, but that will be your problem.
Your credit score will plummet to an awful rating and you will have trouble renting an apartment, buying/leasing a car, or even just finding a new job.
Pay off your debt and then cut up your card if you don't want to use it.|||If you only have a $700 debt on the card now, you NEED to pay it off otherwise with late fees and over the limit fees, you could easily (and quickly) climb to over $1000 due.
Credit Card companies will sue you for their money. Depending on where you live, they can garnish your wages, sheriff sale some belongings, etc. This bad credit info will definitely destroy your credit score for quite some time. If you can swing it, get it paid off as quickly as you can. Even making the minimum payment plus a little extra is better than not paying at all.|||Just pay it off, then cut up the credit card because you're too irresponsible to be allowed around money. $700 is a drop in the bucket compared to the harassment from the creditor/collection agency and damage to your reputation it'll bring. And it will easily cost more than that in the long run when you're forced to pay higher interest for a car or home loan. Even some insurance companies charge more if you have bad credit.|||Hey jobtrakes: Whats up? Let me tell you- IF you let this go your credit will be very poor. IF you need a loan to buy a car or a house or even rent a house/apt. Your credit score can also effect your possibility of landing that great job you may be seeking. Your future credit cards will have the highest interest rates on them also. So my advise would be to pay it even if you have to eat dinner IN for a couple months. Hope this helped. Good luck.|||IF ITS 700 PAY IT BECAUSE THEY WILL CHARGE PENALTIES AND LATE FEES AND IF U DONT PAY IT ITS NEVER GOING TO GO AWAY IM IN THE CREDIT INDUSTRY AND I HAVE SEEN ACOUNTS GO FROM 1,000 TO 6,500 ON A 27.7 INTREST FEE IF YOU ARE HAVING TROUBLE PAYING IT CALL THE COMPANY SEE IF U CAN WORK OUT A PPA OR PAYMENT PLAN ALSO U COULD WAIT UNTIL IT GETS TO COLLECTIONS AND SETTLE THE ACOUNT FOR LESS THEN THE TOTAL BALANCE BUT IT WOULD HURT YOUR CREDIT AND IF IT IS THE ONLY CARD DEFF PAY IT OFF DONT LET IT GO AT ALL IT COULD MEAN THE DIFFRENCE OF YOU GETTING A HOME OR A CAR A FEW YEARS DOWN THE ROAD LITERALY|||Yes and they bother you day and night until you die of old age. They will get a judgment and garnish future wages. Just pay it off
I wanted to know what will happen. Will they keep charging me for late fees and increase the debt further? I already know that my credit score will suffer because of this but how much? This is actually the only opened card i have on deck right now.|||If you never pay of your credit first, you will receive numerous calls from the bank to pay your bills, if you still don't make progress, the calls would increase and letters would be sent as reminders and later on as warnings.After a period of time, you would receive calls not from the bank but the debt collection agency instead.The agency holds the right to call you at any time of the day be it night or morning and force you to pay with any method. This sometimes includes harassment and harsh conversations.If the court finds you guilty, the agency has the right to deduct your paycheck and liquidize your assets to get their money back. Finally they would blacklist you from other bank facilities as well. Better you pay|||Of course your debt will increase further. They are in the business to make money. They are not going to write off your debt.
You will be making a huge mistake if you never pay off your credit card. Once you miss a payment, your APR will be raised to 30% or so because they want to make as much money as they can. You will have the interest rate plus late fees and your balance will go up even more. They will probably let your fees continue this way for 6-12 months. Then they will take you to court and sue you. They can get a court order to garnish your wages so that your paycheck goes directly to your debt. You may not have enough left for rent, food, and utilities, but that will be your problem.
Your credit score will plummet to an awful rating and you will have trouble renting an apartment, buying/leasing a car, or even just finding a new job.
Pay off your debt and then cut up your card if you don't want to use it.|||If you only have a $700 debt on the card now, you NEED to pay it off otherwise with late fees and over the limit fees, you could easily (and quickly) climb to over $1000 due.
Credit Card companies will sue you for their money. Depending on where you live, they can garnish your wages, sheriff sale some belongings, etc. This bad credit info will definitely destroy your credit score for quite some time. If you can swing it, get it paid off as quickly as you can. Even making the minimum payment plus a little extra is better than not paying at all.|||Just pay it off, then cut up the credit card because you're too irresponsible to be allowed around money. $700 is a drop in the bucket compared to the harassment from the creditor/collection agency and damage to your reputation it'll bring. And it will easily cost more than that in the long run when you're forced to pay higher interest for a car or home loan. Even some insurance companies charge more if you have bad credit.|||Hey jobtrakes: Whats up? Let me tell you- IF you let this go your credit will be very poor. IF you need a loan to buy a car or a house or even rent a house/apt. Your credit score can also effect your possibility of landing that great job you may be seeking. Your future credit cards will have the highest interest rates on them also. So my advise would be to pay it even if you have to eat dinner IN for a couple months. Hope this helped. Good luck.|||IF ITS 700 PAY IT BECAUSE THEY WILL CHARGE PENALTIES AND LATE FEES AND IF U DONT PAY IT ITS NEVER GOING TO GO AWAY IM IN THE CREDIT INDUSTRY AND I HAVE SEEN ACOUNTS GO FROM 1,000 TO 6,500 ON A 27.7 INTREST FEE IF YOU ARE HAVING TROUBLE PAYING IT CALL THE COMPANY SEE IF U CAN WORK OUT A PPA OR PAYMENT PLAN ALSO U COULD WAIT UNTIL IT GETS TO COLLECTIONS AND SETTLE THE ACOUNT FOR LESS THEN THE TOTAL BALANCE BUT IT WOULD HURT YOUR CREDIT AND IF IT IS THE ONLY CARD DEFF PAY IT OFF DONT LET IT GO AT ALL IT COULD MEAN THE DIFFRENCE OF YOU GETTING A HOME OR A CAR A FEW YEARS DOWN THE ROAD LITERALY|||Yes and they bother you day and night until you die of old age. They will get a judgment and garnish future wages. Just pay it off
When I call my credit card company to request a credit limit increase, will it lower my credit score?
Whenever I call a credit card company to raise my credit limit, they always inform me they will need to check my credit report. If they deny the limit increase, will it lower my credit score? Will even just calling to ask for an increase lower my credit score?|||it will lower it a bit but not enough to worry about!!!|||If you give them the authority to pull your credit it will affect your score a little. If you get the limit increase it will help your score as long as you don't use more than 50% of your available credit. If you don't get it this will hurt your score a few points, but not much.
Start small on the phone with them ask for a little increase, when they say yes ask how much more you could be increased to.
Or ask for the world and settle for a smaller increase. Your choice.
|||It will lower your credit score 2 points to get your report checked.
Start small on the phone with them ask for a little increase, when they say yes ask how much more you could be increased to.
Or ask for the world and settle for a smaller increase. Your choice.
|||It will lower your credit score 2 points to get your report checked.
Will cancelling a credit card while opening a new one in its place hurt my credit score?
I currently have a credit card that I have never been late on and has a pretty good limit. I was pre-approved by my bank to open another credit card with a lower interest rate and a better limit. I don't really want to have 2 credit cards out at once. Would it hurt my credit score if I cancelled the first card?|||Yes it will.
People actually need 3-4 credit card accounts (revolving) with balances below 30% of their credit limits and 2 cars, boats, homes, computers, motorcycles, furniture or personal accounts (installment) all with good long payment history's to have the very best score and credit profile.
Simply dig out your old card every quarter charge something on it so it wont be canceled and pay it off in full before the due date.|||Yes it will. Just put the card in a drawer and forget about it. That is after you pay the balance down to zero.
People actually need 3-4 credit card accounts (revolving) with balances below 30% of their credit limits and 2 cars, boats, homes, computers, motorcycles, furniture or personal accounts (installment) all with good long payment history's to have the very best score and credit profile.
Simply dig out your old card every quarter charge something on it so it wont be canceled and pay it off in full before the due date.|||Yes it will. Just put the card in a drawer and forget about it. That is after you pay the balance down to zero.
What credit card can I get to repair my bad credit?
Over the past 2 years I have made a lot of money, but I have terrible credit. I want to repair my credit. I don't have any credit cards and I have very little debt. I read that I should get a credit card to re-establish credit. I have the money to pay off the card in full each month. I am also a self-proprietor, so I was thinking about a small business credit card. Any ideas?|||Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - credit-report-score.10001mb.com|||If you have bad credit and want to build it up, the best credit card would be a pre-paid one.
The VR-Tech Prepaid MasterCard is a prepaid card that allows cardholders to access funds deposited to an account. This prepaid card can be used to withdraw money or pay for goods and services.
Unlike a credit card, which extends a line of credit, prepaid cards are more similar to a debit card. Prepaid cardholders can only spend the money they load on the card. Since no credit is extended to prepaid cardholders, interest and overdraft fees are avoided. Most importantly make sure you find one that will report to credit agencies to improve your credit. I know the VR Tech Pre-paid card reports to credit agencies and most clients with bad credit sign up for it with no problems.|||Business cards don't have to follow the new card act regulations.
Get a regular credit card instead.
First go to your bank where you have your checking account.
You are established with them, and your chances will be greater.
If they turn you down go to Bankrate.com and click on credit cards.
Choose companies like Capital One, Citi, Discover, Chase.
Look for 1% cash back cards.
Their interest is higher, but you'll never pay it since you will be paying in full to develop great credit.
IF one of those also turns you down, you might have to consider a secured card.
I don't really like these.
Another option to develop fast credit is to make a Secured Loan.
You drop about $1,500 to $3,000 into a cd or a savings and you make a 1 year loan against it. Voila - credit established...|||I repaired my credit with a small open-ended loan. I put 1500 on it each year to pay off and repaired my credit in 2 years from a 450 to a 720.
The VR-Tech Prepaid MasterCard is a prepaid card that allows cardholders to access funds deposited to an account. This prepaid card can be used to withdraw money or pay for goods and services.
Unlike a credit card, which extends a line of credit, prepaid cards are more similar to a debit card. Prepaid cardholders can only spend the money they load on the card. Since no credit is extended to prepaid cardholders, interest and overdraft fees are avoided. Most importantly make sure you find one that will report to credit agencies to improve your credit. I know the VR Tech Pre-paid card reports to credit agencies and most clients with bad credit sign up for it with no problems.|||Business cards don't have to follow the new card act regulations.
Get a regular credit card instead.
First go to your bank where you have your checking account.
You are established with them, and your chances will be greater.
If they turn you down go to Bankrate.com and click on credit cards.
Choose companies like Capital One, Citi, Discover, Chase.
Look for 1% cash back cards.
Their interest is higher, but you'll never pay it since you will be paying in full to develop great credit.
IF one of those also turns you down, you might have to consider a secured card.
I don't really like these.
Another option to develop fast credit is to make a Secured Loan.
You drop about $1,500 to $3,000 into a cd or a savings and you make a 1 year loan against it. Voila - credit established...|||I repaired my credit with a small open-ended loan. I put 1500 on it each year to pay off and repaired my credit in 2 years from a 450 to a 720.
What is the advantages and disadvantages of a credit card?
This is the first time I m gonna apply for a credit card. I m still confused should i apply for a credit card or not???|||Adv: being able to purchase now and pay later
Disadv: not being able to pay|||I have had Credit Cards for more years than I can remember, those that say there is not an advantage for having the card are wrong, if you need to shop on line, or over the phone, if you do not have the cash on you for that bargain you have just spotted, then the card comes into it's own, however, if you are looking to, taking the CC for granted, then you are on a slippery slope, if you can always pay off your CC, every time the payment is due, without in curing any interest, that is the advantage, preferably by DIRECT DEBIT. (BUT REMEMBER,IT IS VERY EASY TO GET YOUR SELF INTO DEBT) use it for your purpose, not the Banks|||there are no advantages, and the disadvantages is you have to pay it back plus more in interest so when you do pay, only a tiny amount of your money comes off and you pay more off your interest, its devastating when you see the balance. Dont get one.|||Credit is crazy. It's a Catch-22. You can't easily GET credit, without HAVING credit. You should get one to build up your credit. but DON'T use it foolishly. Whenever possible pay off your entire balance each month so that you don't carry a balance. Doing this regularly is the best way to drive your credit score up.|||Having a credit card tend to make shopping easier, that will entice you to spend more.
If you have discipline to pay out balance every month it is all good.
If you can not do that, it can be bad to worse depend on how one use the card.
High interest rate, over spending, penalty fee...once you start carry balance the cost of the card spiral up.|||there are no advantages - DONT DO IT! its a rip off and you'll regret it!|||Good things: Shopping when you don't have money. Being able to get things in emergency situations when you don't have money. Internet ordering payment made easier.
Bad things: THE INTEREST for this convenience makes it bad. Most credit cards charge big interest and it's hard to get them paid off ever. BE CAREFUL!|||You should apply for the credit card. You should start building credit when you're young (I'm assuming you're young). It'll be harder to get a car loan if you don't have any credit history. If you do get a car loan the interest will be higher. Get a credit card, pay it off every month. Don't charge so much that you won't be able to pay it off in the next two-three months. Like everyone has said interest rates can be high (lower if your credit is good), so you'll be paying a lot more for items if you're allowing interest to build. Also, interest rates can and will go up if you miss payments. So if you're responsible enough to pay off the card on time, then you definitely should go for it. Also, they're nice to have in case of an emergency (like expensive car repairs, etc).|||Advantages of credit cards
鈥?Credit cards can work out cheaper than a short term personal loan.
鈥?Credit cards can offer a high degree of loan flexibility i.e you can pay the minimum amount or the whole debt.
鈥?No redemption penalties for early repayment of loan.
鈥?Many credit cards offer an interest free period.
鈥?Credit cards offer online purchasing power.
鈥?The key benefit to credit cards is really the added protection you enjoy when making purchases.
鈥?Many credit cards offer enticing additional benefits such as insurance cover on purchases, cash back, air miles and discounts on holidays.
Disadvantages of credit cards
鈥?Cash withdrawals via ATM can be very expensive.
鈥?Credit cards offer readily available credit which can entice you into purchases you really can鈥檛 afford.
鈥?Credit cards do have weaknesses in terms of potential fraud, particularly when used online.
On the other hand, credit cards can:
1. Cost much more than other forms of credit, such as a line of credit or a personal loan, if you don't pay on time.
2. Damage your credit rating if your payments are late;
3. Allow you to build up more debt than you can handle;
4. Have complicated terms and conditions;|||A credit card is good for nothing but getting into debt.
Pay as you go.
Live on less money than you make and you will have money. You can save up an emergency fund without payments.
True, you can build credit. But, all thats good for is borrowing money and getting into more debt.
The only time you might have to borrow money is for a home. You can do that without a fico score. It's called manual underwriting. It's not a sub prime loan. It's the way loans where givin' before all the fico score worship. You can get the lowest rates available.|||My advice to you is don't get one, they will get you in debt,
I should try the good old fashioned way and just save up if you need something! xx|||It has the advantage of helping you build a credit history. If it is used responsibly it is a very positive thing. The disadvantage comes if you overspend %26amp; cannot pay it back. You will pay a lot in interest %26amp; potentially hurt your credit rating.|||The advantages are that you can buy something now if you don't have the money for it.
The disadvantages are that you can buy something now if you don't have the money for it.
Don't use it unless you pay it off EVERY month, interest charges aren't worth it.|||I always think the disadvantage is your spending money that isn't yours....but then again a credit card can be a hugh credit builder, a Bank is the best place to ask questions.|||advantages
you can get money when you need it
you dont need to pay by cash
disadvantages
if you spend over the limit on the card you have to pay it back|||NO, I would tell you to not do it. Any time that you use your credit card to buy something you are living beyond your means. The only way that a credit card is beneficial is if you have the ability to pay it off at the end of each month. If you can't pay it off by the end of each month, it's not worth having. Also, if you do get one and you can't pay it off at the end of each month you are actually paying double sometimes triple for that item that you charged. My husband and I have 2, one that we pay off each and every month, and the other stays locked in a safe for emergency use only. Also, if you do get one do not get one from Target, Sears, Home Depot, because you will end up paying over 20% in interest each month and would be a waste of money.|||BEST THING ABOUT CREDIT CARD
If you get a intrest free one you dont have to pay anything for the durnation then every 12 months or what ever it is you can transfer the balance and have intrest free for the rest of your life................. more than less its well better than a loan!
Disadv: not being able to pay|||I have had Credit Cards for more years than I can remember, those that say there is not an advantage for having the card are wrong, if you need to shop on line, or over the phone, if you do not have the cash on you for that bargain you have just spotted, then the card comes into it's own, however, if you are looking to, taking the CC for granted, then you are on a slippery slope, if you can always pay off your CC, every time the payment is due, without in curing any interest, that is the advantage, preferably by DIRECT DEBIT. (BUT REMEMBER,IT IS VERY EASY TO GET YOUR SELF INTO DEBT) use it for your purpose, not the Banks|||there are no advantages, and the disadvantages is you have to pay it back plus more in interest so when you do pay, only a tiny amount of your money comes off and you pay more off your interest, its devastating when you see the balance. Dont get one.|||Credit is crazy. It's a Catch-22. You can't easily GET credit, without HAVING credit. You should get one to build up your credit. but DON'T use it foolishly. Whenever possible pay off your entire balance each month so that you don't carry a balance. Doing this regularly is the best way to drive your credit score up.|||Having a credit card tend to make shopping easier, that will entice you to spend more.
If you have discipline to pay out balance every month it is all good.
If you can not do that, it can be bad to worse depend on how one use the card.
High interest rate, over spending, penalty fee...once you start carry balance the cost of the card spiral up.|||there are no advantages - DONT DO IT! its a rip off and you'll regret it!|||Good things: Shopping when you don't have money. Being able to get things in emergency situations when you don't have money. Internet ordering payment made easier.
Bad things: THE INTEREST for this convenience makes it bad. Most credit cards charge big interest and it's hard to get them paid off ever. BE CAREFUL!|||You should apply for the credit card. You should start building credit when you're young (I'm assuming you're young). It'll be harder to get a car loan if you don't have any credit history. If you do get a car loan the interest will be higher. Get a credit card, pay it off every month. Don't charge so much that you won't be able to pay it off in the next two-three months. Like everyone has said interest rates can be high (lower if your credit is good), so you'll be paying a lot more for items if you're allowing interest to build. Also, interest rates can and will go up if you miss payments. So if you're responsible enough to pay off the card on time, then you definitely should go for it. Also, they're nice to have in case of an emergency (like expensive car repairs, etc).|||Advantages of credit cards
鈥?Credit cards can work out cheaper than a short term personal loan.
鈥?Credit cards can offer a high degree of loan flexibility i.e you can pay the minimum amount or the whole debt.
鈥?No redemption penalties for early repayment of loan.
鈥?Many credit cards offer an interest free period.
鈥?Credit cards offer online purchasing power.
鈥?The key benefit to credit cards is really the added protection you enjoy when making purchases.
鈥?Many credit cards offer enticing additional benefits such as insurance cover on purchases, cash back, air miles and discounts on holidays.
Disadvantages of credit cards
鈥?Cash withdrawals via ATM can be very expensive.
鈥?Credit cards offer readily available credit which can entice you into purchases you really can鈥檛 afford.
鈥?Credit cards do have weaknesses in terms of potential fraud, particularly when used online.
On the other hand, credit cards can:
1. Cost much more than other forms of credit, such as a line of credit or a personal loan, if you don't pay on time.
2. Damage your credit rating if your payments are late;
3. Allow you to build up more debt than you can handle;
4. Have complicated terms and conditions;|||A credit card is good for nothing but getting into debt.
Pay as you go.
Live on less money than you make and you will have money. You can save up an emergency fund without payments.
True, you can build credit. But, all thats good for is borrowing money and getting into more debt.
The only time you might have to borrow money is for a home. You can do that without a fico score. It's called manual underwriting. It's not a sub prime loan. It's the way loans where givin' before all the fico score worship. You can get the lowest rates available.|||My advice to you is don't get one, they will get you in debt,
I should try the good old fashioned way and just save up if you need something! xx|||It has the advantage of helping you build a credit history. If it is used responsibly it is a very positive thing. The disadvantage comes if you overspend %26amp; cannot pay it back. You will pay a lot in interest %26amp; potentially hurt your credit rating.|||The advantages are that you can buy something now if you don't have the money for it.
The disadvantages are that you can buy something now if you don't have the money for it.
Don't use it unless you pay it off EVERY month, interest charges aren't worth it.|||I always think the disadvantage is your spending money that isn't yours....but then again a credit card can be a hugh credit builder, a Bank is the best place to ask questions.|||advantages
you can get money when you need it
you dont need to pay by cash
disadvantages
if you spend over the limit on the card you have to pay it back|||NO, I would tell you to not do it. Any time that you use your credit card to buy something you are living beyond your means. The only way that a credit card is beneficial is if you have the ability to pay it off at the end of each month. If you can't pay it off by the end of each month, it's not worth having. Also, if you do get one and you can't pay it off at the end of each month you are actually paying double sometimes triple for that item that you charged. My husband and I have 2, one that we pay off each and every month, and the other stays locked in a safe for emergency use only. Also, if you do get one do not get one from Target, Sears, Home Depot, because you will end up paying over 20% in interest each month and would be a waste of money.|||BEST THING ABOUT CREDIT CARD
If you get a intrest free one you dont have to pay anything for the durnation then every 12 months or what ever it is you can transfer the balance and have intrest free for the rest of your life................. more than less its well better than a loan!
Does Citibank allow you to switch your credit limit to a new credit card without a hard credit pull?
Right now I have a Citibank mastercard. I would like to get a different citibank cash back rewards card instead. Will they allow me to switch cards without a hard credit pull?
Basically just close out my current card and move the credit limit to another card without affecting my fico score.|||Call them and ask if they will allow you to change your current card to a different program. They may say yes or they may require you to apply for a new account.
By the way, don't obsess over hard pulls. They only ding your score a few points and your score will rebound quickly. Of all the things on your credit report to worry about, credit inquiries are at the absolute bottom of the list.
Basically just close out my current card and move the credit limit to another card without affecting my fico score.|||Call them and ask if they will allow you to change your current card to a different program. They may say yes or they may require you to apply for a new account.
By the way, don't obsess over hard pulls. They only ding your score a few points and your score will rebound quickly. Of all the things on your credit report to worry about, credit inquiries are at the absolute bottom of the list.
What is the purpose of signing the back of a credit card?
I never sign the back of a credit card, but have always wondered what purpose it served. I've used my credit card for over two years and have never had a problem with it. Not a single merchant as asked me for my ID while using it. I have heard that not signing it, or writing "See ID" or something similar is supposed to protect you in case your card is stolen, however I do not see how this would be possible if no one even looks at your card. If no one looks then what is the purpose of signing it?|||You're right -- no one ever checks the signature. I feel the same way about courier companies. They lose the package but then tell me they "have a signature" and threfore that magically means that it was delivered. They don't seem to care that it is not MY signature, nor the signature of anyone that lives in my house. :)
Funny story -- my friend has "See ID" on the back of her credit card. A clerk made her sign the receipt "See ID" so that the signature matched the credit card. My friend tried to explain to this youn, inexperienced person that wasn't really the point of why her card said "see ID", but the clerk didn't care. She would not let her leave the store until the 'signatures' matched -- she never did check her ID. LOL|||The person accepting the card is supposed to confirm that the signature on the back of you card matches that of the signature on the slip you sign during a transaction. Nearly no one ever does this. And signing the card gives a thief a picture perfect look at your signature so they can forge it.|||So that a thief can forge your signature. I never sign any of my cards, I always write C.I.D. on the back of them. Not everywhere checks but the ones that do, I don't have a problem with it at all. It's for my own protection.|||Theoretically merchants are supposed to check the signature against how you sign a receipt but nobody ever does. I do the "Request ID" thing, but even that gets ignored about half the time.
Funny story -- my friend has "See ID" on the back of her credit card. A clerk made her sign the receipt "See ID" so that the signature matched the credit card. My friend tried to explain to this youn, inexperienced person that wasn't really the point of why her card said "see ID", but the clerk didn't care. She would not let her leave the store until the 'signatures' matched -- she never did check her ID. LOL|||The person accepting the card is supposed to confirm that the signature on the back of you card matches that of the signature on the slip you sign during a transaction. Nearly no one ever does this. And signing the card gives a thief a picture perfect look at your signature so they can forge it.|||So that a thief can forge your signature. I never sign any of my cards, I always write C.I.D. on the back of them. Not everywhere checks but the ones that do, I don't have a problem with it at all. It's for my own protection.|||Theoretically merchants are supposed to check the signature against how you sign a receipt but nobody ever does. I do the "Request ID" thing, but even that gets ignored about half the time.
Can a credit card company get a court order to garnish your earnings?
If I owe money to a credit card company, they already send me to collecttions can they go to court to get a withholding order and take money out of my pay check?|||Yes they can, it's what's usually referred to as an Attachment of Earnings Order but before they can do that you need to have defaulted (which by the sounds of it you've done) and they need to obtain a judgement against you for non payment. Once that's done they have several options open to them including an A of E.
Before it comes to that contact the card company and come to a structured repayment scheme. If they're getting something back each month chances aree they'll take no further action as long as you're paying. tell them that you want the interest frozen as well.|||yes|||I'm pretty sure they can.|||you betcha|||In FL no, but they can put a lien on your property/home.|||yes, they can!|||If you don't attempt to pay the collection company, then they take the next step by getting an court order for your wages to be garnish.|||I wouldnt think they could go that far.|||They can and won't hesitate to do it.|||Yes they can. As long as they have all the right paperwork and send it to your employer it happens.|||As far as I know, unless it's a secured card, NO. Only if you're card is secured by some collateral can they take your stuff, garnish, etc. Trust me. I owe out the wazoo. Nobody is knocking on my door or garnishing wages. But it also varies state to state. NC....no.|||Basically yes any company that you owe money to can apply to the courts to have money deducted from your pay packet, the only difference is the judge will take your living expenses into account and come up with an amount that is ok to you and the company.
This also means your credit rating will be black listed and you wont even be able to get h/p|||sorry to say it but yea. They WILL do it. lol shouldnt have spent more than u can earn. lol|||yes they can so i suggest u just pay them like 25 a month and the rest of your check. if they take what u send then they cant garnish ya check so send something and see if they will take it|||Yes, but it's not very likely at all. Credit card debt usually doesn't get high enough to make the expense of getting a judgement/garnishing your wages worth it. In addition, the state you live in may or may not be friendly towards debtors. Texas is friendly towards debtors, it's very difficult to recover debts in TX.|||Yes, but it is not a simple process. Unfortunately the exact process varies from state to state. Some states have adopted the Uniform Consumer Credit Code, other have not. In most instances the creditor must first get a formal, final judgement against you in either Small Claims or regular court. Then there is a formal process for bringing you into court to disclose your ability to pay the debt. If the judge finds you have income over whatever the state's minimum is, the judge can order you income garnished. In a few exceptional cases your earnings can be attached before judgement and sometimes even without prior notice to you.|||I suggest you to sell everything you have (Including your bed) to pay everything to the Collection Agency.
You don't fool around with Collection Agencies.|||Yes. Though in some states (like PA), it is sometimes very difficult to do so. Often, they may put liens on you owned outright property, such as you home, car or anything that can be bartered.
Before it comes to that contact the card company and come to a structured repayment scheme. If they're getting something back each month chances aree they'll take no further action as long as you're paying. tell them that you want the interest frozen as well.|||yes|||I'm pretty sure they can.|||you betcha|||In FL no, but they can put a lien on your property/home.|||yes, they can!|||If you don't attempt to pay the collection company, then they take the next step by getting an court order for your wages to be garnish.|||I wouldnt think they could go that far.|||They can and won't hesitate to do it.|||Yes they can. As long as they have all the right paperwork and send it to your employer it happens.|||As far as I know, unless it's a secured card, NO. Only if you're card is secured by some collateral can they take your stuff, garnish, etc. Trust me. I owe out the wazoo. Nobody is knocking on my door or garnishing wages. But it also varies state to state. NC....no.|||Basically yes any company that you owe money to can apply to the courts to have money deducted from your pay packet, the only difference is the judge will take your living expenses into account and come up with an amount that is ok to you and the company.
This also means your credit rating will be black listed and you wont even be able to get h/p|||sorry to say it but yea. They WILL do it. lol shouldnt have spent more than u can earn. lol|||yes they can so i suggest u just pay them like 25 a month and the rest of your check. if they take what u send then they cant garnish ya check so send something and see if they will take it|||Yes, but it's not very likely at all. Credit card debt usually doesn't get high enough to make the expense of getting a judgement/garnishing your wages worth it. In addition, the state you live in may or may not be friendly towards debtors. Texas is friendly towards debtors, it's very difficult to recover debts in TX.|||Yes, but it is not a simple process. Unfortunately the exact process varies from state to state. Some states have adopted the Uniform Consumer Credit Code, other have not. In most instances the creditor must first get a formal, final judgement against you in either Small Claims or regular court. Then there is a formal process for bringing you into court to disclose your ability to pay the debt. If the judge finds you have income over whatever the state's minimum is, the judge can order you income garnished. In a few exceptional cases your earnings can be attached before judgement and sometimes even without prior notice to you.|||I suggest you to sell everything you have (Including your bed) to pay everything to the Collection Agency.
You don't fool around with Collection Agencies.|||Yes. Though in some states (like PA), it is sometimes very difficult to do so. Often, they may put liens on you owned outright property, such as you home, car or anything that can be bartered.
Can I cancel right after I register a Credit Card?
I want to make a Credit/Debit Card collection and I wonder if there is any problems if I just cancel a Credit Card right after I sign up?
Because all I want is just a card =].
And what happen if I can't cancel but I never use that credit card? Do I have to pay anything monthly/annually?|||Sure, you can cancel. I'm not sure why you would want to get a credit card and then immediately cancel it...this won't boost your credit score.
Your credit score is determined by looking at how well you keep up with your bills. The only way to increase it is to keep the card and maintain a small balance on it, paying each month. Otherwise, you won't see any positive change...and you might see a negative effect, if you continue this pattern of recieving and canceling cards.|||yes you can cancel without paying a fee becuase nothing was on that card.|||Yes...I know somebody who does it all the time just to get some of the free gifts that come with signing up these days. As for the fee, it gets reversed
Because all I want is just a card =].
And what happen if I can't cancel but I never use that credit card? Do I have to pay anything monthly/annually?|||Sure, you can cancel. I'm not sure why you would want to get a credit card and then immediately cancel it...this won't boost your credit score.
Your credit score is determined by looking at how well you keep up with your bills. The only way to increase it is to keep the card and maintain a small balance on it, paying each month. Otherwise, you won't see any positive change...and you might see a negative effect, if you continue this pattern of recieving and canceling cards.|||yes you can cancel without paying a fee becuase nothing was on that card.|||Yes...I know somebody who does it all the time just to get some of the free gifts that come with signing up these days. As for the fee, it gets reversed
How do I get rid of xbox 360 credit card information?
I used to use my parents, but now that I have my own credit card I want to delete theirs. I already have my credit card information on my xbox 360, but my parents credit card is still the default card so I keep on accidently using theirs instead of mine. So I want to get rid of it completely...|||http://www.gamespot.com/pages/forums/show_msgs.php?topic_id=25452161
What company offers the best credit card processing rates?
I am looking for a new company to process my businesses credit card transactions. Can anyone tell me what company has the cheapest processing rates?|||If you are truly looking for the cheapest solution possible you will need to integrate payment gateway software to your site and contact a large merchant bank that you have an existing relationship with, like BofA - Wells Fargo - Wachovia - Chase Paymentech. Then you will need to find someone willing to haggle with you. You should be able to get something like $0.10 and 2.05% for qualified Visa/MC transactions. If you don't want to integrate and locally maintain your own gateway, pay an additional $0.10 per transaction for a 3rd party hosted solution.|||Enablest will give you the lowest rates and no made-up fees like other credit card processing companies
|||The credit card processing industry is very competitive and you can use this to your advantage to negotiate the lowest possible rates. Some larger companies are able to offer a low rate guarantee such as www.MerchantWharehouse.com. Use this to your adavatage %26amp; shop around for the lowest rates.
|||look, first google visa usa interchange table and go from there, usually companies add around 40points to those numbers for themselves.then negotiate it down to as close to 20 as possible.also, you best bet is an interchange program. http://www.accountmerchant.us
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|||The credit card processing industry is very competitive and you can use this to your advantage to negotiate the lowest possible rates. Some larger companies are able to offer a low rate guarantee such as www.MerchantWharehouse.com. Use this to your adavatage %26amp; shop around for the lowest rates.
Report Abuse
|||look, first google visa usa interchange table and go from there, usually companies add around 40points to those numbers for themselves.then negotiate it down to as close to 20 as possible.also, you best bet is an interchange program. http://www.accountmerchant.us
Report Abuse
What are the steps of using a credit card?
What are the steps of using a credit card?
what are the steps of using a credit card in the store.
do you need a pin # to use a credit card in the store?
what is usually the average limit?|||Generally, if you want to use a credit card, all you have to do is swipe at the POS (point-of-sale) or register. You may be asked to show identification, depending on the store's credit policy. You then sign your name on the electronic screen, or on a credit slip at some smaller retailers. Your credit limit can vary widely depending on your FICO score, annual income, etc.|||1) Swipe card...that's it.
2) Same as above.
3) No
4) People with bad credit have limits of a few hundred bucks. People with great credit have limits of tens of thousands.|||I heard a lot of people have problems with credit cards
I received a credit card from http://www.creditcard-terminal.com/
and service was amazing|||just swipe yer card @ the checkout %26amp; sign the screen
what are the steps of using a credit card in the store.
do you need a pin # to use a credit card in the store?
what is usually the average limit?|||Generally, if you want to use a credit card, all you have to do is swipe at the POS (point-of-sale) or register. You may be asked to show identification, depending on the store's credit policy. You then sign your name on the electronic screen, or on a credit slip at some smaller retailers. Your credit limit can vary widely depending on your FICO score, annual income, etc.|||1) Swipe card...that's it.
2) Same as above.
3) No
4) People with bad credit have limits of a few hundred bucks. People with great credit have limits of tens of thousands.|||I heard a lot of people have problems with credit cards
I received a credit card from http://www.creditcard-terminal.com/
and service was amazing|||just swipe yer card @ the checkout %26amp; sign the screen
What is the best Visa Credit Card to get that includes rewards and cash back with low interest rates?
I have a low interest rate credit card through my University, however it offers no cash back or rewards program. I am solely looking for a good VISA,not anything else, rewards or cash back program that doesn't get carried away with high interest rates.|||check out www.bankrate.com. You can compare Credit card companies and offers on there. Beware of annual fees, vs reward programs and interest rates.|||go to http://www.rscreditcard.com/ and sign up for a Credit Card this site has all the major credit cards
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How do I change my credit card which I use to pay for my personnals service?
How do I change my credit card which I use to pay for the personnals service?|||Get a different credit card. Not sure what you mean with your question.|||Apply for a new one.
Can you buy things online with your credit card using Paypal?
I want to know if you are able to use your paypal to pay for online things with your credit card. So basically, I want to know if you can put money onto Paypal with your credit card, or if you can pay using your credit card (With Paypal). Please tell me in the most detail you can. Thanks|||Of course you can.
You would just add and verify your credit card account with PayPal, and you are good to go.
You don't add money from your credit card to your PayPal balance. You just choose your credit card as the funding source when you go to buy the item.|||The whole purpose of PayPal is to pay for things on line in a secure fashion. Of course you can. It's just another credit card purchase as though you had used your credit card directly, only much safer. You don't get a bill from PayPal - you get one from your credit card company. I have used PayPal successfully for years to buy things on line. It also offers you the protection against fraudulent sellers. Go to their web site and check it out.
You would just add and verify your credit card account with PayPal, and you are good to go.
You don't add money from your credit card to your PayPal balance. You just choose your credit card as the funding source when you go to buy the item.|||The whole purpose of PayPal is to pay for things on line in a secure fashion. Of course you can. It's just another credit card purchase as though you had used your credit card directly, only much safer. You don't get a bill from PayPal - you get one from your credit card company. I have used PayPal successfully for years to buy things on line. It also offers you the protection against fraudulent sellers. Go to their web site and check it out.
Credit card closed by credit card company while I am always in good standing?
I have borrowings from 2 credit cards. Not that I really need the money, I just take advantage of the promotional 0% APR and deposit the borrowed money to earn some interest. I always make the minimum payments on time and meet all requirements. Today I suddenly got a letter from the credit company which I have less outstanding with, saying that they have closed my card because the proportion of balances to credit limits is too high. Do they have the right to do this? I've done nothing wrong. How does this affect my credit report? Is it the same impact as closing the card by myself? If not, what should I do?|||Credit card companies do that at times.
The same thing happened with my B of A card, I was in perfect standing with them, but they closed me out due to a change in my credit score. The change was because I bought a house!
There was nothing I could do about it. So I paid them off and canceled the card.
It's a good thing that you take advantage of the 0% interest. You save a LOT of money that way. I do the same thing with balance transfers.|||You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters.
|||They can cancel your card for any reason. It is in your contract. The percent to debt ratio is also a good reason to cancel before you can't make the payments. You probably could---but a majority of ppl wont is what they go on.
Or maybe they found your game out. They can't allow you to make money on there dollar. God forbid someone find a way to earn on a credit card Those points deals are sorta bogus.|||Yes they can, and yes it affects your credit score - in two ways. As to why - see the end of this.
As to the hits - first - a consumer closed account is paid to zero, then closed. That's OK - does not affect the score either way. It's a normal end to an account.
So a closed with a balance sets of alarm bells. And your debt to available credit just went ballistic.
As an example, you previously owed $800 with two cards of $500 each, total of $1000. You were at 80% debt to available credit - and yup - that would have triggered a clause in your credit card to allow them to close it - they could have ignored it - but did not. Why - see the end.
Now, with the closed account, you still owe $800, but your available credit is $500, and you are over your credit limits. Bam - your score drops - 30 points or more.
You need to pay off the closed card - fast - and then also drop the debt on the other ones.
As to why they closed it - did you really, truly, think anyone is going to lend you money at 0% - heck no. They did it for a promo - and with you not paying any interest, why should they keep loosing interest on the money they lend you, when they can loan it to someone who will be paying 18% or more ?
Since you deposited the money you borrowed, you simply need to unwind this fast before it causes you real credit problems - and triggers defaults on various accounts - simply because your credit score drops or you have a forced closed account.
Nice try ! But as you can see, the banks don't like being beaten at their own game.|||Not sure if they can do it or not....most likely they can.
What bothers me is how it will be reported to your credit reports. You do not want it to show "closed at credit holders request". I would dispute such a listing if they did.
The same thing happened with my B of A card, I was in perfect standing with them, but they closed me out due to a change in my credit score. The change was because I bought a house!
There was nothing I could do about it. So I paid them off and canceled the card.
It's a good thing that you take advantage of the 0% interest. You save a LOT of money that way. I do the same thing with balance transfers.|||You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters.
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|||They can cancel your card for any reason. It is in your contract. The percent to debt ratio is also a good reason to cancel before you can't make the payments. You probably could---but a majority of ppl wont is what they go on.
Or maybe they found your game out. They can't allow you to make money on there dollar. God forbid someone find a way to earn on a credit card Those points deals are sorta bogus.|||Yes they can, and yes it affects your credit score - in two ways. As to why - see the end of this.
As to the hits - first - a consumer closed account is paid to zero, then closed. That's OK - does not affect the score either way. It's a normal end to an account.
So a closed with a balance sets of alarm bells. And your debt to available credit just went ballistic.
As an example, you previously owed $800 with two cards of $500 each, total of $1000. You were at 80% debt to available credit - and yup - that would have triggered a clause in your credit card to allow them to close it - they could have ignored it - but did not. Why - see the end.
Now, with the closed account, you still owe $800, but your available credit is $500, and you are over your credit limits. Bam - your score drops - 30 points or more.
You need to pay off the closed card - fast - and then also drop the debt on the other ones.
As to why they closed it - did you really, truly, think anyone is going to lend you money at 0% - heck no. They did it for a promo - and with you not paying any interest, why should they keep loosing interest on the money they lend you, when they can loan it to someone who will be paying 18% or more ?
Since you deposited the money you borrowed, you simply need to unwind this fast before it causes you real credit problems - and triggers defaults on various accounts - simply because your credit score drops or you have a forced closed account.
Nice try ! But as you can see, the banks don't like being beaten at their own game.|||Not sure if they can do it or not....most likely they can.
What bothers me is how it will be reported to your credit reports. You do not want it to show "closed at credit holders request". I would dispute such a listing if they did.
What is the Credit Card expenses limit for Income Tax purpose in India?
I have a lots of Credit card of several Bank. I want to know that how much should i expenses from my particular card for income Tax purpose in india?|||As such there is no restriction in Income tax law for spending, using credit cards issued by banks. Any payment of disproportionately higher amount (say, above Rs 50000) by a bank irrespective of whether the amount is, paid through debit/credit cards, or withdrawn by cheque will be notified to the Income tax department through annual information returns. If you are a regular tax payer, filing income tax returns, and if you have sufficient declared income, you can spend any amount using credit cards.|||You may use your credit card for any amount. But you have file AIR return along with your income tax return. you should be able to clear the source of expenses.
simple exp can not be more than income
tulsi
simple exp can not be more than income
tulsi
Can my credit card garnish our wages if we dont pay?
We have a credit card that is getting ready to be sent to collections. Only because we absolutely cannot afford it. We are a family of 4 making 9/hr. We are on different types of government assistance. I know this is every ones story. Its sad. We can barely afford the necessities. The balance is about 4,000 now that late charges have taken place.
I know its my responsibility. What do you think will happen next? Can they garnish our wages and leave us with nothing? The only thing we actually own is a car, which already has a car loan on it.|||if they sue go to court. in my state if you qualify for assistance they cant garnish. also 9/hr for family of 4 is under poverty level. if its an unsecured card they cant take your car or other property. if they get a judgment they will wait until your situation improves and then nail you with wage garnishment etc.|||Collections will start calling you.
Send them a certified letter (once they start calling you), requesting that they stop all calls to your home and office.
Once they summons you to court, show up. Ask for them to take only 10% of your wages out of your paycheck. If you don't show up some states allow up to 25% to be garnished. /
I know its my responsibility. What do you think will happen next? Can they garnish our wages and leave us with nothing? The only thing we actually own is a car, which already has a car loan on it.|||if they sue go to court. in my state if you qualify for assistance they cant garnish. also 9/hr for family of 4 is under poverty level. if its an unsecured card they cant take your car or other property. if they get a judgment they will wait until your situation improves and then nail you with wage garnishment etc.|||Collections will start calling you.
Send them a certified letter (once they start calling you), requesting that they stop all calls to your home and office.
Once they summons you to court, show up. Ask for them to take only 10% of your wages out of your paycheck. If you don't show up some states allow up to 25% to be garnished. /
How can I get an internationally acceptable credit card using a nigerian bank?
I need a credit card to start my online venture, but the credit cards available here are not accepted online. I've search the web looking for a way to get a valid credit card with no luck. Any ideas?|||I am probably one of the few here at Yahoo Answers who has been to and worked in Nigeria. I can only agree with what hottotrot1-usa has stated. I know of only one way because I have a reputable friend who lives in Nigeria who has a company and U.S. credit card. The only way he came about this is through a visa application process and spent sometime physically in the U.S. setting up a legitimate business. I wish you the best of luck. If you are looking to have a legitimate business I would suggest that you market web services and other Internet services to people within Nigeria.
I have a friend in Aba who is successful at owning a Internet cafe.
BEST WISHES %26amp; HAPPY HOLIDAYS!|||Anything from Nigeria is going to be suspect in the US... They are getting a reputation for exporting more scam and crime than any country in the world.
I have a friend in Aba who is successful at owning a Internet cafe.
BEST WISHES %26amp; HAPPY HOLIDAYS!|||Anything from Nigeria is going to be suspect in the US... They are getting a reputation for exporting more scam and crime than any country in the world.
What role did credit card companies jacking up their interest rates play in today's crisis?
Who is aware that some cards jacked up their rates on people if their credit score went down anytime after they issued the card?|||They charge higher interest rates to help defray costs when someone files bankruptcy- credit card debt is usually first to be washed away.|||defense. of thier CEOS wallet.|||That's been around for long before housing bubble went. Definitely doesn't help anything but way credit card rate changes wasn't big factor considering lot of other marketing techniques employ similar tactics. Draw in people with attractive offer and hit them later with big bills and hidden surprise. Its old, but always evolving.|||My credit card interest rates have fallen over the last few years and my credit limit has also went up.
If people are responsible, they would not be suffering such a fate.|||their rates went up because the assets of the majority of card holders disappeared, they therefore became more of a risk to the credit card company.|||Maybe some, but I have to say that I have never personally charged something by accident.|||Or made one payment late because someone forgot to pay or sent out the bill late...
Credit card companies should have caps on the interest rates they can charge someone...
It's despicable.|||Not much. The problem was that they offered very low rates as a "teaser" to get people thinking that buying on credit was a cheap thing to do. And, there is a sucker born every minute as P. T. Barnum used to say.
When the rates had to go to normal levels, what a surprise! If you were one of them, you will find the source of your problems in the mirror.|||if credit cards are part of the crisis, it's the fault of the card owner. No one makes anyone build up debt on a credit card. It's a choice the owner of the card made. Interest rates have always been high on credit cards. If they accepted the first inflated interest rate, they were probably okay with the increase.
It's called personal responsibility.|||Major role. Hence I cancelled credit cards, put that money in savings. If I cannot afford it, I don't buy it until I can. 2% interest better than paying 9, 12, 29% interest. Hurricanes Gustov then Ike hit. Credit card companies site, phone message stated that due to storms, limited staff available......then when my payment late, raised interest. Screw them....let em go bankrupt.|||SENATE TARGETS ABUSES BY CREDIT CARD FIRMS - New York Post
... war on deceptive credit abuses and interest-rate gouging by card issuers. ... What's worse, he said, is that credit card companies that have put more than 640 ...
nypost.com/seven/01262007/business/sen鈥?- 60k - Cached
#
Credit Card Reform:
Stop credit card companies from gouging me! Dear [Decision Maker] ... My credit card company shouldn't be allowed to arbitrarily hike my interest rate ...
secure.consumersunion.org/site/Advocac鈥?- Cached
To answer %26gt;
Their greed and scams have played a major role in this crisis in my opinion.
I have never used a credit card nor am I tempted to.|||A great deal. Btw, another thing Bush allowed to happen. He could have put a stop to that practice as soon as it started snowballing a few years back, but I guess that they paid him a large enough cut that he had his crew look the other way.|||Yes I noticed immediately. Smart people pay attention to interest rates and dump cards or refinace them as necessary. With this economy, I've paid all my credit down besides what I can't (my mortgage and car payment) and have "in my mind" told the banks and merchandizers to stick it where the sun does not shine.|||yea 2 points!|||Credit cards were only a good deal when you were allowed to deduct the interest on your tax return.|||I don't have any so I can't tell you.
If people are responsible, they would not be suffering such a fate.|||their rates went up because the assets of the majority of card holders disappeared, they therefore became more of a risk to the credit card company.|||Maybe some, but I have to say that I have never personally charged something by accident.|||Or made one payment late because someone forgot to pay or sent out the bill late...
Credit card companies should have caps on the interest rates they can charge someone...
It's despicable.|||Not much. The problem was that they offered very low rates as a "teaser" to get people thinking that buying on credit was a cheap thing to do. And, there is a sucker born every minute as P. T. Barnum used to say.
When the rates had to go to normal levels, what a surprise! If you were one of them, you will find the source of your problems in the mirror.|||if credit cards are part of the crisis, it's the fault of the card owner. No one makes anyone build up debt on a credit card. It's a choice the owner of the card made. Interest rates have always been high on credit cards. If they accepted the first inflated interest rate, they were probably okay with the increase.
It's called personal responsibility.|||Major role. Hence I cancelled credit cards, put that money in savings. If I cannot afford it, I don't buy it until I can. 2% interest better than paying 9, 12, 29% interest. Hurricanes Gustov then Ike hit. Credit card companies site, phone message stated that due to storms, limited staff available......then when my payment late, raised interest. Screw them....let em go bankrupt.|||SENATE TARGETS ABUSES BY CREDIT CARD FIRMS - New York Post
... war on deceptive credit abuses and interest-rate gouging by card issuers. ... What's worse, he said, is that credit card companies that have put more than 640 ...
nypost.com/seven/01262007/business/sen鈥?- 60k - Cached
#
Credit Card Reform:
Stop credit card companies from gouging me! Dear [Decision Maker] ... My credit card company shouldn't be allowed to arbitrarily hike my interest rate ...
secure.consumersunion.org/site/Advocac鈥?- Cached
To answer %26gt;
Their greed and scams have played a major role in this crisis in my opinion.
I have never used a credit card nor am I tempted to.|||A great deal. Btw, another thing Bush allowed to happen. He could have put a stop to that practice as soon as it started snowballing a few years back, but I guess that they paid him a large enough cut that he had his crew look the other way.|||Yes I noticed immediately. Smart people pay attention to interest rates and dump cards or refinace them as necessary. With this economy, I've paid all my credit down besides what I can't (my mortgage and car payment) and have "in my mind" told the banks and merchandizers to stick it where the sun does not shine.|||yea 2 points!|||Credit cards were only a good deal when you were allowed to deduct the interest on your tax return.|||I don't have any so I can't tell you.
How can I sell things online without a credit card?
I need to sell some things on sites like eBay, but I don't have a credit card, so I can't use PayPal. Is there any way to sell things online without a credit card?|||From PayPal's help section:
You will need the following information to open a Personal PayPal account:
- A bank account or credit card
- Name, address, email
- Be 18+ years old
I got that by using their automated assistant, "Sarah"...
https://www.paypal.com/us/cgi-bin/helpwe鈥?/a>
You will need the following information to open a Personal PayPal account:
- A bank account or credit card
- Name, address, email
- Be 18+ years old
I got that by using their automated assistant, "Sarah"...
https://www.paypal.com/us/cgi-bin/helpwe鈥?/a>
Can a Credit Card company take the Life Insurance from the deceased beneficiary?
My sister passed away from cancer leaving her son as the beneficiary. But a credit card collection agency kept calling and inquired about any life insurance that she had. This had me a bit worried because he is a young college student who really needs the money badly.|||Nope, they cannot, as long as he was BENEFICIARY.
Debts are not inheritable. They have to "eat" that credit card balance, unless she has any estate, which would have to pay it off before anyone else (like son) could inherit it.
But, that's not going to stop them from trying to pressure son into paying them, ANYWAY. They are really slimey, and they'll lie through their teeth to try to get money.|||Keep in mind, there may be creditor life insurance which covers the balance due on the credit card, with the card issuer as the beneficiary.
If that s the case, then yes, the credit card company is entitled to that insurance..
Check a recent statement and see if there is something like " credit card protection, " or : creditor life insurance"mentioned on the statement.
Otherwise, the credit card co must file a claim with the person's estate.|||If a collection agency says something on the telephone, that means that it is probably not true.
If he is the beneficiary of the life insurance and he received nothing else from what she had when she died, then no.
If he received other things that should have been used to pay the debt, then he may be on the hook.
If the beneficiary of the life insurance is her estate and he is merely a beneficiary of her estate, then they are entitled to the money.|||Tell them your sister is dead if you want to send them a copy of the death certificate you can but you are not under any legal obligation to do so. Do not give them any information about any insurance. It is not an asset of the estate but they will harass this kid non-stop to intimidate him into paying.|||If the estate is the beneficiary then they can attach the estate, but if the son is the beneficiary there is nothing they can do. It's not that they won't use scare tactics, but just know they can only go after the estate. Nobody else is ever responsible for someone's debts unless they're married.|||No. Your sisters estate must pay all her debts. It there is nothing left, then the debts will go unpaid. Send them a copy of the death certificate and tell them they are not getting any money.
The life insurance payment is NOT part of her estate - that money is her son's.
Debts are not inheritable. They have to "eat" that credit card balance, unless she has any estate, which would have to pay it off before anyone else (like son) could inherit it.
But, that's not going to stop them from trying to pressure son into paying them, ANYWAY. They are really slimey, and they'll lie through their teeth to try to get money.|||Keep in mind, there may be creditor life insurance which covers the balance due on the credit card, with the card issuer as the beneficiary.
If that s the case, then yes, the credit card company is entitled to that insurance..
Check a recent statement and see if there is something like " credit card protection, " or : creditor life insurance"mentioned on the statement.
Otherwise, the credit card co must file a claim with the person's estate.|||If a collection agency says something on the telephone, that means that it is probably not true.
If he is the beneficiary of the life insurance and he received nothing else from what she had when she died, then no.
If he received other things that should have been used to pay the debt, then he may be on the hook.
If the beneficiary of the life insurance is her estate and he is merely a beneficiary of her estate, then they are entitled to the money.|||Tell them your sister is dead if you want to send them a copy of the death certificate you can but you are not under any legal obligation to do so. Do not give them any information about any insurance. It is not an asset of the estate but they will harass this kid non-stop to intimidate him into paying.|||If the estate is the beneficiary then they can attach the estate, but if the son is the beneficiary there is nothing they can do. It's not that they won't use scare tactics, but just know they can only go after the estate. Nobody else is ever responsible for someone's debts unless they're married.|||No. Your sisters estate must pay all her debts. It there is nothing left, then the debts will go unpaid. Send them a copy of the death certificate and tell them they are not getting any money.
The life insurance payment is NOT part of her estate - that money is her son's.
What do you need to apply for a credit card for the first time?
I want to apply for a credit card, I'm 20 right now, I was wondering what do I have to do/need to apply for a credit card? How much money do I have to have in my bank account to apply? Please help me.|||You need 12/18 months on a job. Also, as of February 2010, you have to be 21 or you'll need a co-signer.|||All you will need is some type of income and your basic credentials.. Depending on the type of credit card you may not need a bank account.. Good luck|||you need an id, social security no., a job where you've been employed for at least a year.
What is the best low intrest credit card for someone with no real credit?
I'm 20 and i need a credit card for emergencies and things like booking flights and hotels and such and online shopping. I want to shop around awhile before I commit to one. I would like to know your experinces with credit card companies.|||You sound as if you think you will have a choice and a great big old credit limit, you will not. You will be lucky to get a "major" credit card and second anything over 300 credit limit until you build up your credit ratings. Get a Target, Macy's, Walmart card and then pay those on time for 6 months to a year then apply for a "good" Visa/MC/Amex card.|||If you have no real credit, you don't get to luxury to shop around. If you have a bank account, I would go to them and ask about a credit card or even a prepaid VISA. Every time someone checks your credit, it hurts your score, so shopping around will really hurt you.
Once you get a card and make your payments on time, in a year or so you will begin to get credit card offers in the mail. Then you can begin to look around at what else is out there.|||Usually its better to go with a credit card from your bank.. Especially if you've been a costumer to them for awhile. They'll kno ur exact money habits and may give you a better deal.. I would also suggest you use your credit card for more than just emergencies because the more credit you use %26amp; WISELY; the better your score you will get.|||Right now ?
None.
If you need one for work, ask your boss to get the Company to supply one ..
Once you get a card and make your payments on time, in a year or so you will begin to get credit card offers in the mail. Then you can begin to look around at what else is out there.|||Usually its better to go with a credit card from your bank.. Especially if you've been a costumer to them for awhile. They'll kno ur exact money habits and may give you a better deal.. I would also suggest you use your credit card for more than just emergencies because the more credit you use %26amp; WISELY; the better your score you will get.|||Right now ?
None.
If you need one for work, ask your boss to get the Company to supply one ..
How in the world did some of the credit card companies come up with the universal default system?
Just in case some of you dont know this means if you are late on ANY bill payment the credit card company can raise your intrest rate.Thats like an animal who is hunting,it find one thats good %26amp; healthy,then all of a sudden it becomes cripple %26amp; the other animal devoures him for a meal.Most of your credit card companies are owned by banks %26amp; the banks are dragging in more money.Why doesnt the pipsqueaks in Washington do something abt this?|||Because the pipsqueaks don't fear the voters. Voters are bad about calling or emailing these people and putting up a fight to get something done.
If the voters would get proactive, we would already be fixing social security, immigration and the budget.|||Sounds like a conspiracy to me.|||i dont care i am glad most of my credit cards dont have thus policy.|||Simple cure...don't be late on ANY bill payment. Please don't count on the government to bail you out of everything.|||This is the disadvantage of a centralized credit system. The banks, credit card companies and so on are all interconnected and share information.
Thanks of course to computer connections and the internet.
That is the downside of instant communications and interconnection.
Your best solution to this is to manage your own credit in a proper manner so that you do not get stuck.
If the voters would get proactive, we would already be fixing social security, immigration and the budget.|||Sounds like a conspiracy to me.|||i dont care i am glad most of my credit cards dont have thus policy.|||Simple cure...don't be late on ANY bill payment. Please don't count on the government to bail you out of everything.|||This is the disadvantage of a centralized credit system. The banks, credit card companies and so on are all interconnected and share information.
Thanks of course to computer connections and the internet.
That is the downside of instant communications and interconnection.
Your best solution to this is to manage your own credit in a proper manner so that you do not get stuck.
Can you pay more on an unsecured credit card to up your limit?
For example if you have a limit of $500 and have $500 available on an unsecured card but you need about $300 more to purchase something for $800 that does not accept cash - credit card only. Can you pay the unsecured credit card that amount ($300) and do you then have the additional credit for the mean time?|||Normally, it's not welcomed, depending on the credit card company. Some companies, will freeze that amount, while others will simply seperate the credit balance and send it back in the form of a check. This is where a secured card would be a much better option. At least with a secured card, you can increase the credit line at any given time by adding to the deposit.|||Generally, no. In some cases, such as with Capital One, the card will even freeze those funds when you overpay. It tends to make them suspicious.
To build some serious credit fast, try creditloader dot com.|||Not usually, All it will do is show that you have a $300 credit on your account with a $500 credit limit. Try calling your credit card company and let them know what you are wanting to do and they might raise it for you.
To build some serious credit fast, try creditloader dot com.|||Not usually, All it will do is show that you have a $300 credit on your account with a $500 credit limit. Try calling your credit card company and let them know what you are wanting to do and they might raise it for you.
Is it good to have a balance on your credit card?
I'm new to credit cards.
I was always under the assumption that paying the full amount that you put on your credit card that month, at the end of every month (right before the due date) was the smart thing to do for your credit card. Which is exactly what I've been doing for the 5 or 6 months since I got my first card.
My friend told me she'd been told differently -- that to leave a small portion of each month's balance over and pay it off more slowly. She said this is good for your credit score.
So which is right? Thanks.|||Pay it in full. There's no benefit to carrying a balance. Paying it in full will actually be better for your credit score as your debt to available credit limit ratio will be much smaller.
Besides, it's silly to pay that interest!|||Well, do you care about your credit score, or your financial well-being?
PAY THEM OFF! Your credit score MIGHT lose one or two points, but who cares?!?!?!
Why would you want to pay interest and fees to bump your credit score a few points? Does your employer pay you more if your score goes up? Does your family love you more? Don't make FICO your priority in financial decisions.
www.daveramsey.com|||It is good to pay it. The company will like you more. But they will also expect you to spend more. The idea is that you are using the card and continuing to pay - that is what builds your credit. How you do this is up to you, as long as you at least pay the minimum. There has to be some activity on your account in order for it to increase your credit rating.|||Either way is fine and will not affect the score enough to matter. What is important is to keep the account in good standing, have longstanding accounts in good standing, keep at least 50 percent or so of what is offered to you available. Eventually you will add an auto loan or personal loan and this will make you or break you. Go to a small, local, credit union for good rates and understanding personnel.|||Your friend is right. If you pay off your credit cards each month in full, it does not show that you have a credit history and then it's not reported to the rating agencies. If you are trying to build up your credit by using a credit card, you need to leave a balance from one month to the next, always pay on time, and then pay it off in about 4 months.|||I was in fact watching that Suze Orman show on CNBC the other day and it said that if you carry over 50% of your limit from month to month that its bad. But its always good to pay it off every month. If you can save for what you want to spend money on then do it. If not you shouldnt go over 50% of the limit because it will hurt your credit score.|||the card companies consider people who pay their bills in full "deadbeat customers" thats the actually the term they use,because to them a valued customer is one who misses a payment so they can hit you with the default interest rates|||You need a balance to build credit. My score was terrible about 6 months ago due to lack of credit usage. You have to be in a debt to build credit. You need to keep balances at 30% of less of the total credit line and make payments. If you score is good to begin with then you don't have anything to worry about.
If you pay off your card each month you are not demonstrating that you can "handle credit". You are choosing to "not deal with it" for lack of better words.
Having "too much" available credit is sometimes viewed negative as well. If you have a lot of available credit you could get yourself in trouble real fast. Since you have no experience handling credit, banks might not want to extend you more in the future.
If you are building credit, charge it up a bit and make payments over several months. I went out and got several credit cards and ran up a small balance on each one of them. I set up auto payments on my bank account so I wouldn't forget any of them. My score increased 60-80 points in 7 months.|||Pay off your Credit Card every month. That's the very best.
The interest rates of Credit Cards are 'robbery'.
I was always under the assumption that paying the full amount that you put on your credit card that month, at the end of every month (right before the due date) was the smart thing to do for your credit card. Which is exactly what I've been doing for the 5 or 6 months since I got my first card.
My friend told me she'd been told differently -- that to leave a small portion of each month's balance over and pay it off more slowly. She said this is good for your credit score.
So which is right? Thanks.|||Pay it in full. There's no benefit to carrying a balance. Paying it in full will actually be better for your credit score as your debt to available credit limit ratio will be much smaller.
Besides, it's silly to pay that interest!|||Well, do you care about your credit score, or your financial well-being?
PAY THEM OFF! Your credit score MIGHT lose one or two points, but who cares?!?!?!
Why would you want to pay interest and fees to bump your credit score a few points? Does your employer pay you more if your score goes up? Does your family love you more? Don't make FICO your priority in financial decisions.
www.daveramsey.com|||It is good to pay it. The company will like you more. But they will also expect you to spend more. The idea is that you are using the card and continuing to pay - that is what builds your credit. How you do this is up to you, as long as you at least pay the minimum. There has to be some activity on your account in order for it to increase your credit rating.|||Either way is fine and will not affect the score enough to matter. What is important is to keep the account in good standing, have longstanding accounts in good standing, keep at least 50 percent or so of what is offered to you available. Eventually you will add an auto loan or personal loan and this will make you or break you. Go to a small, local, credit union for good rates and understanding personnel.|||Your friend is right. If you pay off your credit cards each month in full, it does not show that you have a credit history and then it's not reported to the rating agencies. If you are trying to build up your credit by using a credit card, you need to leave a balance from one month to the next, always pay on time, and then pay it off in about 4 months.|||I was in fact watching that Suze Orman show on CNBC the other day and it said that if you carry over 50% of your limit from month to month that its bad. But its always good to pay it off every month. If you can save for what you want to spend money on then do it. If not you shouldnt go over 50% of the limit because it will hurt your credit score.|||the card companies consider people who pay their bills in full "deadbeat customers" thats the actually the term they use,because to them a valued customer is one who misses a payment so they can hit you with the default interest rates|||You need a balance to build credit. My score was terrible about 6 months ago due to lack of credit usage. You have to be in a debt to build credit. You need to keep balances at 30% of less of the total credit line and make payments. If you score is good to begin with then you don't have anything to worry about.
If you pay off your card each month you are not demonstrating that you can "handle credit". You are choosing to "not deal with it" for lack of better words.
Having "too much" available credit is sometimes viewed negative as well. If you have a lot of available credit you could get yourself in trouble real fast. Since you have no experience handling credit, banks might not want to extend you more in the future.
If you are building credit, charge it up a bit and make payments over several months. I went out and got several credit cards and ran up a small balance on each one of them. I set up auto payments on my bank account so I wouldn't forget any of them. My score increased 60-80 points in 7 months.|||Pay off your Credit Card every month. That's the very best.
The interest rates of Credit Cards are 'robbery'.
Can a credit card company that I do not have nor am I an authorized user, report on my credit report?
My husbands credit card comapny is reporting on my credit and I am not an authorized user or have my name on his account. How can they be reporting on my credit report?|||Because your husband gave your information when he applied for the card. You need to discuss this with the credit card company.|||In most states any debt a spouse incurs the other spouse is legally liable for. However, they can not just report you to the credit reports. Sounds like you have a legitimate complaint. I spoke with a mortgage lender at www.TheFinancialPhoneBook.com about a similar scenario. I recommend using them as a resource.|||This cannot and should not be reporting on your credit reports if you are not authorized or joint.
Your hubby needs to call up and see why your name is on the account.
If your husband gave information when he applied, that means you are on the account. He did not have to do this...
Your hubby needs to call up and see why your name is on the account.
If your husband gave information when he applied, that means you are on the account. He did not have to do this...
What is a good rate for a student credit card?
I got this thing in the mail from Discover Card describing a "Special Offer For Students" with a credit card that has an APR of 16.99%. Is this a good rate for a student credit card? If not then what is? , and who is offering a good student credit card.
Thanks.|||You can go online and find offers from all the different companies. You are worried about rates. Do you know the trick with credit cards? You pay them off at least monthly. I use mine everywhere and I get $25 for every 2500 points I get at 1 per $1 spent. Doesn't sound like much but I get that bonus every three months or so. I use my credit card for everything and pay it off at least weekly. So I'm making money off them. Any interest or charges you pay are just like throwing money out the window. I do have a couple of other cards and I use them when I need to make something like a loan. The last time I had to do that was when I put a roof on my house. I found a credit card that gave me 0% interest for transactions for the first year. So I paid the roof off in that year and got a free loan. But credit card companies rely on people that can't pay or pay minimum payments and pay through the nose for the privelege of spending more than they can afford. Guess I should answer your question. If you are a student, you need to start your credit. But you use the card carefully and don't miss a payment or look at what the interest goes up to. I suggest you shop online and look at what credit card offer you. I don't pay 16.99 anymore but there are plenty that charge more and a few that charge less. There are also credit cards with bad reputations. Be careful what you do and how you do it. That's my lecture for the day.
I should add that I don't like discover card. The rates are high and they have a ton of rules. I think that was one of the cards that I used and as soon as I got a balance to pay off, they raised my rates. Whatever they spend way too much on sending those letters and advertising instead of offering good rates. Capital One did the same thing even though I had used a card with them for years.|||Pay your card in full every month and you don't have to worry about what the finance charge is.
Thanks.|||You can go online and find offers from all the different companies. You are worried about rates. Do you know the trick with credit cards? You pay them off at least monthly. I use mine everywhere and I get $25 for every 2500 points I get at 1 per $1 spent. Doesn't sound like much but I get that bonus every three months or so. I use my credit card for everything and pay it off at least weekly. So I'm making money off them. Any interest or charges you pay are just like throwing money out the window. I do have a couple of other cards and I use them when I need to make something like a loan. The last time I had to do that was when I put a roof on my house. I found a credit card that gave me 0% interest for transactions for the first year. So I paid the roof off in that year and got a free loan. But credit card companies rely on people that can't pay or pay minimum payments and pay through the nose for the privelege of spending more than they can afford. Guess I should answer your question. If you are a student, you need to start your credit. But you use the card carefully and don't miss a payment or look at what the interest goes up to. I suggest you shop online and look at what credit card offer you. I don't pay 16.99 anymore but there are plenty that charge more and a few that charge less. There are also credit cards with bad reputations. Be careful what you do and how you do it. That's my lecture for the day.
I should add that I don't like discover card. The rates are high and they have a ton of rules. I think that was one of the cards that I used and as soon as I got a balance to pay off, they raised my rates. Whatever they spend way too much on sending those letters and advertising instead of offering good rates. Capital One did the same thing even though I had used a card with them for years.|||Pay your card in full every month and you don't have to worry about what the finance charge is.
What are the things i can do with credit card? And i have to pay anything for that monthly?
Keeping credit card will put me in trouble? Because banks coming forward to me for issuing me a credit card.|||Credit cards are not bad if you understand how they work. People blame a piece of plastic with a magnetic strip for their debt problems....when in reality, all that piece of plastic did was lend you tomorrow's money....today. Credit cards aren't bad, it's just some of their users don't have the financial responsibility to understand how a credit card really works.
Take the first poster here for example.|||A credit card is never a good thing to have. They leave nothing but debt and destruction behind. And yes, you do have to pay a monthly cost but most of the time it covers interest only. The only good thing about a credit card is you can use it anywhere for almost anything. But like I said, you should avoid it at all cost.|||use it moderately....yes monthly fee, but it will help establish credit. important to establish credit because it affects getting a place to live, automobiles, etc.
look for good fixed apr (under 12%). and no annual fees.
just dont run the card up. make sure u can pay them every month.|||You certainly don't credit..........
Take the first poster here for example.|||A credit card is never a good thing to have. They leave nothing but debt and destruction behind. And yes, you do have to pay a monthly cost but most of the time it covers interest only. The only good thing about a credit card is you can use it anywhere for almost anything. But like I said, you should avoid it at all cost.|||use it moderately....yes monthly fee, but it will help establish credit. important to establish credit because it affects getting a place to live, automobiles, etc.
look for good fixed apr (under 12%). and no annual fees.
just dont run the card up. make sure u can pay them every month.|||You certainly don't credit..........
How to put money on a card without it being a credit card or debit card?
I dont want to carry cash all the time and want to just put it on a card, but im only 17 and dont want to go through the process of getting a credit or debit card. My friend was telling me how I can get a gift card credit card and just use that and I wont have to go though any process. Does anyone know anything about this?|||You can buy a VISA gift card for let's say $100. It will cost you about $4.95 to buy the card. You can use that card just about anywhere VISA is accepted. You can't get airline tickets, hotel rooms or rental cars, though.
But remember, a gift card is exactly like cash. You lose it, you probably can't get your money back if someone finds it before you notice it gone..|||If you "don't want to go through the process" how do you ever hope to build up a credit history for your future needs - loan on a car, mortgage. The card described in the first answer has no effect on your credit score.
A debit card comes automatically with most checking accounts - which implies you don't even have a checking account, despite being almost an adult. You do have to enter the real world at some point since you are now old enough to enter the workforce|||You can get a prepaid credit card. They essentially function just like a gift card.
But remember, a gift card is exactly like cash. You lose it, you probably can't get your money back if someone finds it before you notice it gone..|||If you "don't want to go through the process" how do you ever hope to build up a credit history for your future needs - loan on a car, mortgage. The card described in the first answer has no effect on your credit score.
A debit card comes automatically with most checking accounts - which implies you don't even have a checking account, despite being almost an adult. You do have to enter the real world at some point since you are now old enough to enter the workforce|||You can get a prepaid credit card. They essentially function just like a gift card.
I'm 18 and have no credit, but I need to start building one with a credit card. What card is the best for this?
I need to start building my credit and I know a credit card is a good way of doing this. So what card is a good way of doing this. If it helps, I plan on paying the balance off every month and only charging between $300-$500 on it a month. PS- If you have any other suggestions for building my credit please include. Thank you!|||Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - buildcredit.ifastnet.com|||I would suggest starting with your bank. You are correct that a credit card can help you build credit, but be careful not to rely solely on credit cards to increase your score. If you have a relationship with a local bank, they may be able to give you a small personal loan, line of credit or their own credit card to help you in this endeavor. They may also have a financial adviser that can give you more options or advice. Finally, with the fact that you currently have no credit, don't be surprised if when you do get approved for a credit card that your line of credit is less than you expect. Many companies start you out with only $200 and sometimes as much as $500 and will increase it over time.
In regard to another answer, you can obtain credit when you are under 21 without a cosigner if you can demonstrate ability to repay, such as employment earnings. That part of the law is intended to help keep college students from being targeted by credit card companies and getting behind before they have the means to repay their debt.|||Times have changed since I was your age. What I did may still help. I got a secured loan from the bank. I borrowed $500.00 which went into a savings CD for a year. I made monthly payments with the understanding the bank would report the loan and payments to the credit bureau.
Credit Unions are a better move today. Same plan. They may have other suggestions as well. Visit one near you and talk it over.
Others who say you must prove a steady income and how you plan to pay are correct due to a federal law change know as the CARD ACT.
After you have done the above, the bank may be willing to issue a small limit card. I know for fact Wells Fargo has a starter secured credit card that can be converted about a year later. I would still talk to the local credit union first.
Whatever you do, do not accept the card offers loaded with fees. READ AND UNDERSTAND all card offers including fee schedules before accepting them.|||Hi! The new credit law that went into effect states that you must be 21 years or older to get credit card OR if you are 18 to 20 you must show proof of income (i.e. employment, proof showing you can pay debt off) OR if 18 to 20 you can have a co-signer on the account.
You are right, if you do get approved it will probably be under $1000, more likely $300 to $500 range you quoted. You might have to get a secured credit card to start out with OR ask your parents to co-sign with you until you get established credit.
Here are some websites to learn about credit:
http://www.ftc.gov/credit
http://www.myfico.com
Here are some websites to review credit card offers and banks:
http://www.bankrate.com
http://www.creditcards.com
Here is the link where it states about having a co-signer or showing proof of income/proof you can repay the debt back:
http://www.creditcards.com/credit-card-n鈥?/a>|||i would use VISA since they take it most everywhere. if you pay your balance off every month, the bank isnt earning any money so you really arent establishing any credit....at least thats what my bank told me. i would buy something and pay it off after a couple of months just to get started. then you can pay it off every month.|||You don't need a credit card to build credit. You just need to NOT have BAD credit. You can buy a house with a score of 0. If you get a card, just be careful. Your bank account balance- saving for the purchase, is more valuable.....mutual funds that grow value.....why charge when you could grow some value in cash and not risk the banks changing their terms from 8% to 29% because OTHER people are defaulting,,,,,|||Being 18, you are going to find it near impossible to get an unsecured card.
Take that $300 or $500 you were planning on paying off every month and open a secured card at a credit union.|||A lot of times your current bank will have student credit card or builder credit cards with lower limits and stuff and really helpful protection for starters. I would check with your current bank.|||unfortunately due to new federal laws you must now be 21 or older to have your own credit
card
if you are under you will need a co-signer|||query "secured credit cards." It has been answered hundreds of times. (And put $1,000 on deposit.)|||I WENT TO BANK OF AMERICA AND GOT A PRE PAID CARD AND A YEAR LATER IT WAS TIME FOR A REAL ONE SO IT IS THE WAY TO GO BRO|||Bank of America sucks.
In regard to another answer, you can obtain credit when you are under 21 without a cosigner if you can demonstrate ability to repay, such as employment earnings. That part of the law is intended to help keep college students from being targeted by credit card companies and getting behind before they have the means to repay their debt.|||Times have changed since I was your age. What I did may still help. I got a secured loan from the bank. I borrowed $500.00 which went into a savings CD for a year. I made monthly payments with the understanding the bank would report the loan and payments to the credit bureau.
Credit Unions are a better move today. Same plan. They may have other suggestions as well. Visit one near you and talk it over.
Others who say you must prove a steady income and how you plan to pay are correct due to a federal law change know as the CARD ACT.
After you have done the above, the bank may be willing to issue a small limit card. I know for fact Wells Fargo has a starter secured credit card that can be converted about a year later. I would still talk to the local credit union first.
Whatever you do, do not accept the card offers loaded with fees. READ AND UNDERSTAND all card offers including fee schedules before accepting them.|||Hi! The new credit law that went into effect states that you must be 21 years or older to get credit card OR if you are 18 to 20 you must show proof of income (i.e. employment, proof showing you can pay debt off) OR if 18 to 20 you can have a co-signer on the account.
You are right, if you do get approved it will probably be under $1000, more likely $300 to $500 range you quoted. You might have to get a secured credit card to start out with OR ask your parents to co-sign with you until you get established credit.
Here are some websites to learn about credit:
http://www.ftc.gov/credit
http://www.myfico.com
Here are some websites to review credit card offers and banks:
http://www.bankrate.com
http://www.creditcards.com
Here is the link where it states about having a co-signer or showing proof of income/proof you can repay the debt back:
http://www.creditcards.com/credit-card-n鈥?/a>|||i would use VISA since they take it most everywhere. if you pay your balance off every month, the bank isnt earning any money so you really arent establishing any credit....at least thats what my bank told me. i would buy something and pay it off after a couple of months just to get started. then you can pay it off every month.|||You don't need a credit card to build credit. You just need to NOT have BAD credit. You can buy a house with a score of 0. If you get a card, just be careful. Your bank account balance- saving for the purchase, is more valuable.....mutual funds that grow value.....why charge when you could grow some value in cash and not risk the banks changing their terms from 8% to 29% because OTHER people are defaulting,,,,,|||Being 18, you are going to find it near impossible to get an unsecured card.
Take that $300 or $500 you were planning on paying off every month and open a secured card at a credit union.|||A lot of times your current bank will have student credit card or builder credit cards with lower limits and stuff and really helpful protection for starters. I would check with your current bank.|||unfortunately due to new federal laws you must now be 21 or older to have your own credit
card
if you are under you will need a co-signer|||query "secured credit cards." It has been answered hundreds of times. (And put $1,000 on deposit.)|||I WENT TO BANK OF AMERICA AND GOT A PRE PAID CARD AND A YEAR LATER IT WAS TIME FOR A REAL ONE SO IT IS THE WAY TO GO BRO|||Bank of America sucks.
What information can someone get from my credit card?
I want to order something over the internet from Sicily, and I need to use the credit card, but I don't like to use my credit card on the internet. What information can be taken from my credit card about me? Can my identity be stolen? Can my address be tracked? Etc..
Also, are there mailboxes I can have the package delivered to so I do not have to have it delivered to my house?|||Generally you have to give your mailing address associated with your credit card. If you have issues with paying online, then you could always buy a prepaid credit card. You could have them ship it via certified mail so it can be tracked. The worst thing they could do is use your credit card again. However, you can use a prepaid card i you have issues with that. They may allow you to have your packaged shipped somewhere else. You'd have to check with their website.|||Not much information,
your name,
maybe your address, or phone number...its hard to get too much info from just the card.
Also, are there mailboxes I can have the package delivered to so I do not have to have it delivered to my house?|||Generally you have to give your mailing address associated with your credit card. If you have issues with paying online, then you could always buy a prepaid credit card. You could have them ship it via certified mail so it can be tracked. The worst thing they could do is use your credit card again. However, you can use a prepaid card i you have issues with that. They may allow you to have your packaged shipped somewhere else. You'd have to check with their website.|||Not much information,
your name,
maybe your address, or phone number...its hard to get too much info from just the card.
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