honeypepper
Are secured credit cards a good choice for people with bad credit? Where can I get a secured credit card online?
Are secured credit cards a good choice for people with bad credit? Where can I get a secured credit card online?
Archive for the ‘ Credit ’ Category
daveysgirl126
I recently paid my credit card bill of $2.27, however the credit card company entered the payment as $227.00, causing $50 in overdraft fees at my bank. The credit card company had me fax over a statement with the bank fees on it so they can take care of it, however after 3 weeks they still haven’t done it, they tell me that they don’t even know if the statement is in the building and that they get hundreds of faxes a day and as soon as they get to it, they will handle it, what if this takes months? Is there a way I can make them take care of this matter more quickly? I just went ahead and paid my banks fees just so I could use my bank account again. Did I do the right thing? What if the credit card company never received the fax and they end up asking for another one, how can I make sure that they receive it? They corrected the mistake between the $2.27 and $227.00, maybe that’s all I can hope for.
I recently paid my credit card bill of $2.27, however the credit card company entered the payment as $227.00, causing $50 in overdraft fees at my bank. The credit card company had me fax over a statement with the bank fees on it so they can take care of it, however after 3 weeks they still haven’t done it, they tell me that they don’t even know if the statement is in the building and that they get hundreds of faxes a day and as soon as they get to it, they will handle it, what if this takes months? Is there a way I can make them take care of this matter more quickly? I just went ahead and paid my banks fees just so I could use my bank account again. Did I do the right thing? What if the credit card company never received the fax and they end up asking for another one, how can I make sure that they receive it? They corrected the mistake between the $2.27 and $227.00, maybe that’s all I can hope for.
How long after paying off a credit card does it take to reflect on a credit report?
Dec 21, 2009 in
Credit
penny g
Lets say I have 4 credit cards totalling $3000. I then wrote out 4 checks and paid off each card in full on the same day. How long would I have to wait until my credit report reflected all of these charges paid off?
Lets say I have 4 credit cards totalling $3000. I then wrote out 4 checks and paid off each card in full on the same day. How long would I have to wait until my credit report reflected all of these charges paid off?
Which is better, a secured credit card or an unsecured card with excessive fees?
Dec 20, 2009 in
Credit
David A
I am trying to repair credit. I have enough money to establish a secure credit card without impacting my budget too much. I can also qualify (barely) for an unsecured card with excessive fees (billed to my available credit upon issue). So, I guess my question is…is there any difference in credit reporting between the two options? This will help me decide which route to go. I plan to use the card incidentally, only to show usage and increase my credit score.
I am trying to repair credit. I have enough money to establish a secure credit card without impacting my budget too much. I can also qualify (barely) for an unsecured card with excessive fees (billed to my available credit upon issue). So, I guess my question is…is there any difference in credit reporting between the two options? This will help me decide which route to go. I plan to use the card incidentally, only to show usage and increase my credit score.
When you pay off a credit card is it better to reduce the credit limit or close the account?
Dec 19, 2009 in
Credit
radioactive_babywipes
I’ve heard that once you pay off a credit card you shouldn’t close the account to keep a good credit score. I’ve also heard that even though one pays off his credit card reducing the credit limit is also not a good option for keeping a great credit rating. What is the best way to handle this situation if you don’t really want the card around to prevent you from running the balance up, but also don’t want to hurt your credit rating. Is there any way to find out what exactly affects one’s credit score?
I’ve heard that once you pay off a credit card you shouldn’t close the account to keep a good credit score. I’ve also heard that even though one pays off his credit card reducing the credit limit is also not a good option for keeping a great credit rating. What is the best way to handle this situation if you don’t really want the card around to prevent you from running the balance up, but also don’t want to hurt your credit rating. Is there any way to find out what exactly affects one’s credit score?
Examples: Let’s just say a website or book states something like filing for bankruptcy subtracts XXXX amount of points from your credit rating. Defaulting on credit card payments for XXX amount of months subtracts XXX amount of points from your credit rating. Paying off federal student loans adds or subtracts XXXX amount of points from your credit rating. Also is there anywhere that states how long certain things stay on your credit report?
KOOLAID
I’m trying to become debt free and need help with unsecured debts. been trying to locate a agent online but, getting kind of frustrated. NEED HELP ASAP!
I’m trying to become debt free and need help with unsecured debts. been trying to locate a agent online but, getting kind of frustrated. NEED HELP ASAP!
Where to apply for credit card if you have bad credit?
Dec 19, 2009 in
Credit
Joachim A
I have bad credit up to 500 and my bank won’t loan me money because of my credit score wich got worse when I was unemployed. Now I am working I have dependants i can’t put down on my tax because they don’t live in the US. I want to improve my credit score to get a loan.
I have bad credit up to 500 and my bank won’t loan me money because of my credit score wich got worse when I was unemployed. Now I am working I have dependants i can’t put down on my tax because they don’t live in the US. I want to improve my credit score to get a loan.
how long does good AND bad credit stay on your report?
Dec 19, 2009 in
Credit
HexGirl
I have only one in collection, and 10 that are good standing, how long would the bad one stay on my report, and how long is good credit on there for? I am in California.
I have only one in collection, and 10 that are good standing, how long would the bad one stay on my report, and how long is good credit on there for? I am in California.
does anyone have any resorces on low or bad credit home loans?
Dec 19, 2009 in
Credit
…
I am trying to find a home loan but i dont have good credit my score is pretty low and i dont have much of a down payment does anyone know of any place i could look to mabey get a home loan in florida? I am new to the whole process and dont know what to look for a lot of places say bad credit is ok but you have to have at least a 600 credit score?? I dont know where to look anymore.
I am trying to find a home loan but i dont have good credit my score is pretty low and i dont have much of a down payment does anyone know of any place i could look to mabey get a home loan in florida? I am new to the whole process and dont know what to look for a lot of places say bad credit is ok but you have to have at least a 600 credit score?? I dont know where to look anymore.
Thanks for the help.
Will closing ym credit cards help me get approved for a debt consolidation loan?
Dec 18, 2009 in
Credit
Zeke
I have tried to get approved for a debt consolidation loan so I could have my credit cards and school loan under one monthly payment rather than juggling several payments but I get denied because I have too much credit in my name right now. If I close all the credit cards will this help me get a loan approved? It would make life so much easier if I just had 1 steady monthly payment.
I have tried to get approved for a debt consolidation loan so I could have my credit cards and school loan under one monthly payment rather than juggling several payments but I get denied because I have too much credit in my name right now. If I close all the credit cards will this help me get a loan approved? It would make life so much easier if I just had 1 steady monthly payment.
