Credit Cards
Results 71-80 from 3,574 articles
Mom Is Being Threatened by past Credit Card Companies
Asked by L.H. from Houston
on May 20, 2008
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My mom is being harassed by past credit card debt. What is the statute of limitations on being taken to court? The debt is from 2003. She was with a credit card deb...
Answers
- I had a similiar incident with a settled debt. Could she get copies of her checks. That way she has proof that she has paid them. I am not real certain what else sh...
- If she resides in the state of texas, they can't "do" anything to her. Different states have different laws. Credit cards are unsecured debt. The company is taking ...
- L., tell your mother to get caller id and stop taking the calls. My husband and I went through some very hard times not too long ago when he lost his job after 24 yea...
Credit Savvy Moms...
Asked by L.P. from Pittsburgh
on May 21, 2010
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I need some info from any of you finance savvy moms out there with education or knowledge about credit and credit scores...
I recently paid off a high interest cred...
Answers
- keep it open, it will show that you have all this credit available and you not using it, it should benefit you.
- The answers I read here are all appropriate in different situations, but you need to weigh your own. If you can control your spending and not use the card for anythin...
- Hey! You're in luck, because my husband and I are very knowledgeable with finances when it comes to increasing your credit score! My husband owns a mortgage company,...
Best Credit Card for Airline Miles....
Asked by K.F. from Chicago
on April 7, 2010
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Hello ladies. I run the accounting for my dad's business and the business currently has a credit card (usually the balance is around $17,000.00) - he wants to switch ...
Answers
- Amex Costco card gives you cash $ back...
- We have Capital One, and have used the miles for at least 4 trips so far with no problems.
- We use Bank of America also for our everyday purchases and bills and then pay it off at the end of the month. We like the cash back option. We usually use it for pla...
Help with Credit Card Debt
Asked by V.G. from Tampa
on June 25, 2009
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I am really needing help with our financials right now and was wondering if it is better to go with a debt colsolidation company or a home equity line of credit - I do...
Answers
- Typically if you use a debt consolidation company they are able to lower the total amount you owe before you even make your first payment. Go to goodsenseministry.com ...
- Hi V. Last year I consolidated my $10,000 debt via a really awesome family credit union. Doing so lowered my total interest rate immensely, and my monthly payment...
- Good Morning V.... I wanted to let you know I just started a program with Family Life Resources.. They are a Christian non-profit agency that helps determine whats ...
Husband Went Credit Card Crazy
Asked by R.A. from Sacramento
on April 29, 2008
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My husband went credit card crazy about three years ago. We are still trying to recover. We were about there when I was off of work for 2 months due to sugery. Now ...
Answers
- Cut up the credit cards! If you don't have any in your possession, than you will be less likely to add to your debt. I know the economy is really rough right now, but ...
- I actually found a really good book that helped us out. It is called The Total Money Makeover by Dave Ramsey. It really helped out with what steps to take and when to...
- Try Consumers Credit Counseling,they are a not for profit credit counseling. They can get your debt reduced,late fee's etc with the credit companies and set up a month...
Credit Card in Collections
Asked by J.S. from Dallas
on May 20, 2008
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I'm helping my in-laws get out of debt. I'm currently doing the snowballing method and there is one particular bill that is in collections and a couple of rows down o...
Answers
- It is true that if the creditor wins the lawsuit, the creditor cannot garnish wages; the creditor would win a judgment which, when filed of record, could attach to the...
- I have a friend whos parents are being sued by citi bank and target right now for about 12,000 and 5,000 they live in assisted living and can not afford to pay so she ...
- Yes, they can sue. Will they? Typically the amount has to be very large to make it worth their while, because winning a lawsuit does not mean guaranteed payment, it ...
Credit Card...Anyone Else in Debt?
Asked by K.K. from Washington DC
on January 8, 2011
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Just wondering if anyone else is in debt? I have a CC that was charged at a hotel that I was staying at and I didn't give them permission to scan it and I never got an...
Answers
- If you have been making payments regularly, you should NOT be getting phone calls. My suspicion is that your CC was used fraudulently. Have you contacted the card comp...
- We have some debt, and our thing is that we were under the limit on all cards, but then they charged the fees so that put us over (just this month). Then we got $100 l...
- I don't know of many people that aren't in debt! I got into a lot of debt when I was 18 because I got a credit card too young and didn't have the skills or self-contr...
Debit Cards
Asked by L.M. from New York
on October 16, 2010
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Just curious... I've always hated the thought of debit cards. I've never used one. To me it just doesn't make sense. It's too much work to keep track of everything...
Answers
- My hubby and I are JUST like you...we earn up to 5% from using our Amex...so they pay me to use the card, I earn interest on my money in the bank...we ONLY use the deb...
- I would definitely switch banks give the monthly service fee, there is so much competition. As for the CC issue, I NEVER use a debit card, I am with you don't want...
- I dont have a credit card, I use my debit card. I balance my checkbook every day that I use my card, and it keeps me from spending more than I can afford to.
Do You Use Debit or Credit?
Asked by N.N. from Detroit
on December 1, 2011
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When you make a purchase at a store and asked if it is debit or credit Which do you swipe and why?
I always use debit and I am wondering is that the best.
Answers
- I used to do credit because I got money at the end of the year. It was awesome. Then, many of the merchants I frequented quit participating in that program and now it'...
- I use debit so it will come out right away, but I try to use it as credit when I think of it because my bank gives me points toward stuff. Right now I have enough poi...
- I do debit since it shows up instantly in the online banking and I dont have to wait to sign a piece of paper. I use BofA and it automatically rounds out the amount a...
Credit Monitoring
Asked by J.P. from Houston
on January 12, 2011
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Any suggestions on the best credit monitors, Lifelock, or your
credit card company offers? How much? I was just offered
$12.95 per month by my credit card compan...
Answers
- I have heard that this is just the latest way credit card companies have thought of to make money off of our concerns about our credit rating. There is no need to moni...
- Don't spend $$ to have it monitored. It's a waste of money. Some of those companies sell your name to businesses to target you for credit offers. In Texas you can g...
- I could be completely wrong but I have heard that you don't want to have your credit report run so frequently as it could negatively impact your credit score. (I do...
