credit card balance transfers
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Looking for Credit Card "Perks"
Asked by J.P. from Chicago
on October 25, 2007
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Hi Moms,
I was just wondering what types of incentives credit card companies are offering besides free hotels and free airline miles. Does your credit card offer a...
Answers
- The newest program I have registered for is uPromise. It's a 529 savings plan to save for school expenses. These expenses could include college tuition, room and board...
- Actually, someone mentioned only using "store cards" for special sales, etc. But, the GAP actually has a new GAP Visa... it can be obviously be used at GAP/Old Navy/B...
- Personally, I like cash back. My favorite is probably the original Discover Card (1% back + monthly special purchase categories that give you 5% back). They also let y...
Credit Card Debt Consolidation
Asked by C.C. from New York
on May 21, 2009
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I am wondering if anyone has any experience with credit card debt consolidation/ elimination/ negotitation. What were your experiences? And if so, what company/ websit...
Answers
- Have you tried snowballing or debt stacking your debt? To many of those companies ruin your credit by placing notes on your credit report, I know thats not importa...
- just make sure you pay NO money up front
- Call the credit card companies yourself - request they give you a lower interest rate or tell them you will close the account and transfer to a lower interest credit c...
Which Credit Card Should I Get?
Asked by V.W. from Minneapolis
on June 30, 2011
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My boyfriend and I have each decided to get a credit card. We are planning on using the cards for small purchases like gas, and paying them off every month. We are hop...
Answers
- We had a Citi card and they notified us recently that our information had been hacked. We cancelled it because although our info is already out there, we were angry t...
- Not sure where Denise P. is getting her information, but every financial planner and expert I have ever spoken with recommends getting a credit card in order to establ...
- We just got a chase at 9% no annual fees oh and not discover they after I have been with them almost 20years started charging me 28% and we are always on time and most...
How Did You Get Your Credit Card's Interest Rate Lowered??
Asked by K.A. from Tucson
on July 27, 2010
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Hi all! I have a credit card which I no longer use but am still in the process of paying off. I am currently making double payments each month but my interest rate is ...
Answers
- Capital One is extremely stubborn. We opened the card with a fixed rate offer. A few years later they denied ever existed that way. They have raised the rate withou...
- www.daveramsey.com it worked for me! one of the things I have learned is that if you are paying your bill, they are not going to make it any easier for you to pay...
- I had the same issue with capital one. They are a pain in the you know what. We have had the card for years, always been active users, always pay more than minimum a...
Credit Cards
Asked by J.C. from Chicago
on November 13, 2009
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My husband has been taking care of the bills for are whole marriage. Now I am finding out we have some credit cards with high balances and interest rates that is maki...
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 ...
- If you haven't already done so, call the credit card companies and request a lower rate on existing balances and ask them to remove the fees. If they don't, close the ...
Changing Credit Cards....
Asked by J.W. from Chicago
on December 24, 2008
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I am thinking about getting a different credit card. We currently have one that accumulates miles for air travel, but it takes so long to get anything from it, that I...
Answers
- Hello J., I used to have an AA miles credit card as well. Once I finally got my flight out of it, I was looking for a new one as well. Citicards has lots of differen...
- I highly suggest getting a UPromise Citi Mastercard (www.upromise.com). If you haven't already set up a UPromise college savings account (for free) for your little on...
- Hey J., I have had a number of different 'awards' gathering credit cards. I have to say the BP visa seems to be the most lucrative (sp?). We have had TONS of free...
Looking for a Credit Union
Asked by L.M. from Dallas
on January 28, 2010
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Hi moms. I want to move our accounts to a credit union. I've heard that they are customer friendly, have better rates, and don't charge high fees for every little th...
Answers
- I use Delta Community Credit Union, and we LOVE them but they are in Southlake which is a bit far for you, but I will say DO NOT use EECU, we have an account there als...
- DATCU Credit Union has been in business since 1936 and is one of the BEST in the area. There are several in your area (The Colony, Aubrey, 3 in Denton, Lewisville, et...
- Employees First Federal CU. I started wtih them in 1976 when they were My Credit Union .... they have merged and become larger, yet their benefits are awesome .... th...
Cashing in My 401K to Pay off Credit Cards
Asked by J.V. from New York
on September 6, 2008
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Hello All, I have about 8K in credit card debt I would like to pay off. I also have 11K in an old 401K from my previous employer. I know the golden rule is not to ...
Answers
- Hi J., You should consult an accountant to be sure. But, I believe you pay all your capital gains taxes up front. I'd also consult an accountant about the best way t...
- DON'T DO IT! Dont cash in your future to pay off the past. You'll be creating more problems. Go to Consumer Credit Counseling Services, of New Jersey or whatever s...
- DO NOT DO IT! You will get hit so hard in taxes and penalties that you will have to take a loan just to pay that! My mom closed out hers at a previous job and she had ...
Paying off Debt
Asked by J.E. from Boise
on January 14, 2009
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I am considering using a family financial planning company to help me get my credit card debt under control. I understand that they deal with the credit card companie...
Answers
- Hi J., I would imagine you are overwelmed with the responses to your inquiry. I too am a financial coach and would recommend any sort of program without using any co...
- If you had any questions about credit repair, I would recommend my in-laws in Georgia. They work with people from all over the country, so it doesn't matter if you ar...
- J. I am a financial consultant. Be careful with some of these companies. Most of them have hidden fees. Sometimes you will be paying more than you already are. Also if...
Debt and What to Do...
Asked by R.C. from Los Angeles
on June 9, 2009
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I recently received a letter from a company stating that I owed them money, and were preparing to take me to court unless I paid the balance in full. This debt was fro...
Answers
- Hi R.! Sometimes an extra stream of income can help get yourself out of debt! We have many on our team who have paid off debt and some who have replaced their full t...
- First, go on your credit report and contest everything. Say you paid it off years ago, and were told is was paid off. Use strong words (I PAID this.) If the creditor...
- Hi - sounds like a tricky situation. I am an attorney and have a little experience with this. You might try negotiating with your creditors. Creditors are a little ...
