Credit Cards
Results 61-70 from 3,659 articles
Getting Rid of Credit Cards
Asked by J.S. from Dallas
on April 23, 2009
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I would love to get rid of my credit card debt. Which is the best way to do this? I have heard two different ways. One way was to start with the lowest balance and ...
Answers
- My husband and I were in the same predicament as you were. Had a bunch of little credit cards and then a big credit card with a high interest rate. What we ended up do...
- Pay off the lowest balance first. Every spare dollar goes to pay off that one card. When it is paid in full, take all the money you were sending in on that one and p...
- J.~ I second what Cindy said. We are actually in the process of paying off credit card debt. We have paid off 3 so far by starting with the lowest balance. We actually...
Living on Credit Cards
Asked by M.L. from Chicago
on April 15, 2009
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Financially we are quite a mess, and at odds as to what to do! So please, any advice would be helpful.
Our credit score is excellent, we manage to pay things on ti...
Answers
- I don't have much advise to give you, just suggestions. There are good credit counseling companies, but so many scammers as well. Get rid of whatever you can, walk m...
- Google "Free Bankruptcy Advice" and see what pops up. There are plenty of legitimate sites that can help you figure this out. Check out Suze Orman for financial plan...
- Have you called your credit card companies to get on a payment plan? I suggest sitting down with a friend or family member who has been financially stable/responsible...
Credit Card Debt.
Asked by M.H. from Hartford
on April 6, 2009
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Hello Ladies,
here is a question I am too embarrassed to ask my friends & family. Has anyone had to consolidate debt? I hear a bunch of ads for all kinds of companie...
Answers
- Its a good thing that you asked this question because I think that more people then not are in ( or have been ) in the same boat. When I found myself with tons of smal...
- When I found myself stuck in the cc debt rut several years ago, what I did was take advantage of cc offers to transfer balance for 0% interest over so many months. Wh...
- HI, I used a company called TCA (Take Charge America), they were GREAT!!!! Best thing I ever did. You can look them up on the web. Very helpful and postive. T...
Credit? What Credit?!?
Asked by L.L. from Rochester
on July 30, 2011
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I was going to ask this anyhow, but someone else inspired me to do it now. :)
I'm 30. I've never had a credit card...not one...in my life. I've paid off one 10,0...
Answers
- I totally agree with the person encouraging you to read Dave Ramsey's Total Money Makeover. Reading his books and following his steps of debt repayment has changed my...
- When my husband and I were first married and were trying to establish credit we ran into this problem. You need credit to get credit! Very frustrating. What we were to...
- Read a Dave Ramsay book. It's possible to live life withOUT what society calls *credit*! Why do you even want a credit card at this point? More important is an em...
Credit Card Debt
Asked by G.T. from Boston
on December 14, 2009
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Hi all. Over the past 2 years my husband and I have had our fair share of problems come our way - medical issues, dental surgery, car repair after car repair, THEN a c...
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...
- Hi G., I don't have a lot of advice for you but I want to just say I understand your situation because my husband and I are kind of in the same boat. Last year we h...
Credit Card Help
Asked by J.H. from Dallas
on September 21, 2007
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Ok 4 years ago I transferred all of my cc's to a no intrest credit card. I guess I forgot about one and they happened to stop billing me around the same time. I don't ...
Answers
- Scare tactics and if they keep hounding you, you can press charges against them. DO NOT GIVE THEM YOUR ACCOUNT NUMBER. Have they ever notified you via mail that you ...
- Do not give them any access to your account or post dated checks. Tell them to send you something in writing to say that they will accept $150 a month and then send th...
- Everyone else has given you excellent advice. I'll just add that you can go to www.daveramsey.com From there you can listen to his archives online at your leisure. ...
Credit
Asked by C.H. from Dallas
on January 28, 2010
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Hello mamas, hopefully someone out there can help me. Ok I am starting the trying to buy a home process and right now Im at square one of starting to repair my credit....
Answers
- Just so you know, I am a real estate investor, and my husband owns a mortgage company so I know what I'm talking about when I say that those credit repair companies ar...
- I third the DAVE RAMSAY DAVE RAMSAY DAVE RAMSAY. You do not want to purchase a house with a bunch of debt anyway you are asking for trouble if you do trust me. One sma...
- Dave Ramsay, Dave Ramsay, Dave Ramsay. Get a book. Watch his tv show. You can do this yourself! You didn't get bad cedit overnight and there is no "magic" way to g...
Mom Seeking Information on Credit Card Consolidation
Asked by N.W. from Orlando
on August 7, 2007
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Hello Everyone,
I am looking for advice on credit card consolidation. Does anyone know the pro's and con's of this? I am interested in consolidating my credit cards...
Answers
- N., Although I do not know about this personally, everytime I read the paper about getting out of debt, it almost always says do NOT use one of those companies. It...
- Hi N., I live in the Ocoee area and I was a single mom for a few years with no child support and no family to back me up. I was living off my credit cards but I had v...
- Check out http://www.cccsstl.org/?referrer=google&cccs&gclid=CKyp1NrW8I0CFQdlHgod9yCsKg The Credit Union I work for uses this company to help our members in times o...
Safe, Quick, Way to Build Your Credit, Have Never Had a Credit Card Before...
Asked by M.M. from Gainesville
on April 28, 2010
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We have rented too long and are wanting to buy a house soon, the problem is....we don't have credit. We have never owned a credit card. Because we never wanted things ...
Answers
- I'm not sure how soon you are hoping to buy, but building credit can take time. If you have no credit at all, you may not be able to get a credit card the way someone...
- PLEASE get a credit report BEFORE doing anything. You are entitled to one credit report for free from each of the three credit agencies per year. The official, gover...
- Hi MadieSue, As a former credit exec, I say Bravo! Don't think that a credit card is what you need to build credit. There are many banks that give loans for homes t...
Do You Let Your Kids Use Your Atm/debit Card?
Asked by K.I. from Seattle
on September 29, 2010
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Hi All...
Just curious? Do you guys let your older kids know your Pin# and use your ATM/Debit card?
We have teenagers (ages almost 19 and 16) and I have let the...
Answers
- My mother did the same with me and I certainly never took from her what I wasn't supposed to. If you are the kind of parent that wants to give your children a set amo...
- No you didn't screw up. Your kids are trustworthy or you wouldn't do it. Tell your hubby to change his PIN number if he doesn't trust his kids.
- I just came across this post- and though I know it has been a few days since you posted- I want to put a little "professional" info out there for you. I work at a cred...
