Credit Cards
Results 191-200 from 3,895 articles
Wonder What to Do
Asked by N.B. from Detroit
on September 5, 2008
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My hubby and I are sick of paying our credit card bills every month and not seeing the balances going down by much. We have one major credit card and 4 store card tha...
Answers
- N. ~ First off, debt consolidation is a form of bankruptcy and will show negative on your credit report. Store credit cards usually have a really high interest rat...
- I'm no expert but we have watched the balances rise and find ourselves owing after years of 0 balances. We simply have had to stop using them, and use cash only. In sh...
- Try watching CNBC. There is a great advice show at 8 pm. On The Money, I think. She answers people's questions if you call, email or text.
Anyone Used the Dave Ramsey Program
Asked by D.N. from Dallas
on April 30, 2009
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My husband and I are trying to get out of credit card debt. Any feedback on the Dave Ramsey methods? Did anyone buy the book or the computer programs? What is best ...
Answers
- There is nothing more I would recommend that Dave Ramsey and his Financial Peace University (FPU)! We completed his course and are about to payoff our 3rd credit card...
- I, too, recommend signing up for Financial Peace University. I'm 3/4 of the way through, and our money is already transformed--we've got $2500 in savings, paid off my...
- D., The cheapest method is to just purchase the book: Total Money Makeover. HOWEVER! It might help more to take a class which costs more (about $100?). The ...
E of You Who Were kindiPod App Purchases Made by Kids and Apples Response
Asked by M.R. from Chicago
on July 18, 2012
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Hi Mamas,
Wow, I thought I did what I needed to do in order to prevent crazy app purchases on my kids iPods like preventing in-app purchases. I was wrong. Got a cal...
Answers
- Hmm, they will probably not help - though you can try that never hurts. They have been in the news a lot lately for these types of bills. Before you are angry with ...
- My son did the same thing, but it was only for $40.00! I called Apple and explained to them that he didn't realize he was buying things on this app he was playing. T...
- Nope...you pretty much gave him permission by allowing him access to iTunes. How do I know? My nephew did the same thing on my moms account when she bought him an iPod...
Sisters Divorce
Asked by T.B. from Des Moines
on August 10, 2012
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My sister and her husband recently got divorced. They settled out of court. They are sharing custody of the kids. He keeps the house but has to give her 50% of the ...
Answers
- I counsel people about their debt situations, and your friend's issue is very common. If she is simply an authorized user on his account, then her name can be remov...
- What is written in her divorce decree will not affect the legal nature of the contracts she has with any creditors. She will have to contact each credit card company ...
- First of all, yes, this will definitely come back and haunt her as long as her name is on the cards. She can't get her name off the cards as long as there a balance d...
More Questions About Debt
Asked by L.B. from New York
on March 26, 2010
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I received some very helpful responses regarding my first question debt consolidation. I have another question; What do you think is a better way to payoff debt when ...
Answers
- 1) We changed our lifestyle dramaticly, many cut backs so we weren't living in a way that created more debt then income 2) We worked and paid off everything possible ...
- I took the Dave Ramsey class last winter. Lots of great info given. His suggestion is to always, always have an emergency fund of $1000 in the bank. This is to be u...
- Get Dave Ramsay's TMM. He would say the following steps: 1. Put $1000 in bank for ENERGENCY 2. Pay off ALL credit card debt 3. Cut up said credit cards and DO N...
American Debt Counseling
Asked by S.K. from Denver
on May 15, 2010
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we were contacted by american debt counseling and I wanted to know if anyone else has gone through them and if they were legit. They claim that if we close the cards...
Answers
- These companies charge a lot of money what you can do yourself. They report very badly on your credit. You are better off doing what was suggested early about Dave R...
- I agree with the others but have some help to offer perhaps. The American Airlines Credit Union has a debt counselor. He looks at your credit report and tells you wh...
- I don't anything about American Debt Counseling, however if you need to get out of debt (i.e. are close to are already missing payments), then a legit credit counselin...
Moms, Please Help, Need Advice on Approaching a Situation
Asked by J.T. from Chicago
on August 16, 2010
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Recently I made a purchase from an Avon Rep back in July. I paid using my credit card, I really didn't want to do this. After I had given her my Credit Card info, it...
Answers
- You can contact your credit card co., explain the situation and ask for a new card number. Good luck.
- I would call my bank and cancel that credit card, only you'll have to wait for a replacement. Also, in the future there are prepaid visa/mastercard debit cards you ca...
- I wouldn't worry too much about it. She probably just waited and processed them all at one time. Maybe give her another chance. I have one separate card for online pur...
Creditors Have Increased My Interest So Much I Can No Longer Afford to Make Pymt
Asked by K.M. from San Francisco
on September 3, 2009
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I am a single mother of 2 and I bought a new refrigerator about 1 1/2 years ago and I never missed a payment or made a late payment and one day Home Depot called me up...
Answers
- K., many people have gone through this situation, our household has been affected as well. I have read somewhere that new laws were passed that banks are not allowed t...
- Join the rest of us. The United States is a mess and no relief is in sight. What you can do is call the companies, ask for the supervisor and try to get the interest r...
- Well, if you don't need to buy a car or a house in the next 7 years, (probably more like 9) you can completely ignore them and never ever pay them. They will hassle yo...
Debt Consolidation Anyone Done This Before ?
Asked by J.K. from Pittsburgh
on June 13, 2008
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Hello Moms,
I have been researching online about debt consolidation and am still confused. I have a lot of chargeoff's / credit card debt that i want to take care of...
Answers
- I am doing that now, I did a lot of research too, I did find a company that seems to be ligit, we have had no problems with them so far. I belive we are using Freedom...
- Another Dave Ramsey fan here! My husband and I are totally debt free (including no mortgage), thanks to working multiple jobs, cutting spending, and bargaining with c...
- do you own a house? if you do you can look into a home equity or a line of credit...rates are pretty low right now. Can request quotes if you use lending tree. Int...
How Do You Pay down Debt?
Asked by M.D. from Washington DC
on October 12, 2011
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My hubby and I have a decent amount of debt, unfortunately. We are getting a decent amount of money next week, and I'm wondering what the take is on how to pay it off....
Answers
- We closed all our cards and yes it does hurt your credit score, but being a homeowner helps and building up a cash pool where credit is not a big issue helps too. We ...
- Really, I don't see why a financial analyst would ask this question, but I'll tell you how we achieved NO DEBT. Dave Ramsay's debt snowball. Payoff smallest debts fi...
- We did the same thing as Jen B., we didn't know it was the Dave Ramsey approach. We did it because it seemed to make sense and because it was nice to have little acco...
