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Updated Feb 12, 2012

Q: Credit Card W/ Cash Rewards...    —Waukee, IA

"I was wondering if anyone knew of credit cards besides discover (they are not taken everywhere or I would get this on..."

Answers:

call your current credit card company's first and ask what they'll do for you.. we called ours last year and both our visa and mc were switched to cash back (2-3/%). ...

i know a friend of mone that has a shell credit card...not sure if it's a visa or mastercard...they get cash back every month. it pays for their gas!!!

2 more answers >>

Q: Help...need Advice on Filing Bankruptcy!    —Philadelphia, PA

"Ladies, I am at my wits right now recieving collection calls day and night. My situation is after quiting my "I h..."

Answers:

I would suggest you contact a local credit couseling agency and get some advice from them. They are there to help people in your situation and may be able to help you...

Sammy is right, the first thing you do is schedule an appt with a bankruptcy lawyer. To make the appt much easier take a statement for all credit cards, loans, etc. a...

12 more answers >>

Q: Credit Card Debt    —Watertown, MA

"Hi all. Over the past 2 years my husband and I have had our fair share of problems come our way - medical issues, den..."

Answers:

i saw this post awhile ago and meant to respond - things will get better and the best things in life are free - but money is necessary to get by. it's nice you didn't ...

I am so sorry that you have been going through all this! I will spare you the details but let it suffice to say that we found ourselves 30 grand in debt -- through ve...

11 more answers >>

Q: How Do I Shop for a Credit Card Without Ruining My Credit?    —Parker, CO

"Hi all - Like everybody else, my credit card company wanted to raise my interest rate. I chose the option to keep my..."

Answers:

We heard a credit speaker who said all inquiries within a 2 week period count as one on your credit rpt, so you can shop around for a car loan, etc.

Might I suggest a different route and check out daveramsey.com. He discourages the practice of using credit cards entirely and becoming debt free so you can have a gre...

8 more answers >>

Q: Dave Ramsey Question    —Crowley, TX

"I ordered the total money makeover and it will be here late this week. But, I wanted to get a head start since Frida..."

Answers:

Be prepared that the first few months are trial and error (and Dave tells you that!). You need to make out your initial budget and then you may have to adjust here and...

good luck M.-that's great that you want to get your financial life in order. I haven't been on the plan, but I listen to his radio show every afternoon. The first th...

2 more answers >>

Q: Bill Pay by American Express    —Allen, TX

"I was wondering if anyone uses their credit card to pay your monthy household bills(visa,Amex).....cable, cell phone,..."

Answers:

Hi A., In this crazy economy everyone has been affected. I do credit repair and you will be surprise how it can improve your life. call me to we can talk about some ...

I do both. I use a mastercard for several of my monthly bills, only because they are recurring payments and I like to rack up the reward points, and we also use online...

2 more answers >>

Q: Credit Card Debt Needing Advice    —Kansas City, MO

"Hello. I'm a single mom who is currently not receiving any support from the father. Due to the legal battle we have..."

Answers:

Look into Dave ramsey's financial program. I know alot of people who have success with this and I'm looking into it myself.

Bless you. You are staying positive and looking for solutions, and I commend you for that. i am in a similar situation, having become a single mom unexpectedly recen...

2 more answers >>

Q: Credit Cards    —Carol Stream, IL

"My husband has been taking care of the bills for are whole marriage. Now I am finding out we have some credit cards ..."

Answers:

If you can, review the past year of APR for the cards and see if there have been changes without notification. The new bill requires notice before they can increase bu...

i've heard where people have a huge amount outstanding they can negotiate a lower amount, or at least that's what debt consolidation companies do. you can get a lower ...

5 more answers >>

Q: Dave Ramsey's Way    —Woodridge, IL

"I have been reading Dave Ramsey's book, Total Money Management, and have a couple of questions. 1) One of Dave's rec..."

Answers:

His money management concepts really work, and I wish many more people used them! I don't recall him saying that we ever should stop 401(k) contributions... you wil...

I have no debt except our house and we have four main credit cards. EVERY thing goes on the card basically, and we pay it off in full every month. For every $100 I ...

2 more answers >>

Q: Mom Needing to Vent/credit Card Issues    —Detroit, MI

"I know I have noone to blame for my problems except for myself. I was having some financial difficulty with my credi..."

Answers:

Hi B., Good for you for owning up and taking responsibility. Sometimes we have to learn lessons the hard way. We have to put on our "big girl panties" and deal with...

Dear B.!! Thank goodness that you are through with citi-bank Visa, and I hope and pray that you have cut up that card and never use it again! To answer your questi...

3 more answers >>

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