• Would you be able to handle a credit card with no limit?

    Say if your credit card limit is now unlimited. Would you be sensible and only use it to buy what you can afford; or would you not be able to resist the temptation to buy everything you ve always wanted, even if it means building up a crippling amount of debt?
    Say if your credit card limit is now unlimited. Would you be sensible and only use it to buy what you can afford; or would you not be able to resist the temptation to buy everything you ve always wanted, even if it means building up a crippling amount of debt?
    40 answers · 2 weeks ago
  • Payday loan complaints?

    Long story short, I've taken out multiple payday loans and the minimum repayments per month now eat up most of my piddly £1k per month wages. I started borrowing from these a few years ago and have borrowed from more and more different lenders and have borrowed off some to pay off another. I have lied on the... show more
    Long story short, I've taken out multiple payday loans and the minimum repayments per month now eat up most of my piddly £1k per month wages. I started borrowing from these a few years ago and have borrowed from more and more different lenders and have borrowed off some to pay off another. I have lied on the application form slightly when they ask what are my total credit commitments per month, but when they have done a credit check on me they have paid no attention to my shocking credit score. I have credit cards as well which I am always on time paying the minimum monthly repayments. Basically I just want to know if I can complain and perhaps get some compensation rebated or something. I see all these companies advertising that they could get you thousands in compensation. It is my fault I've got myself in this mess, but surely the lenders should see red flags that once I've finished repaying a loan, I go right back in and borrow again...often for more over a longer period. Thanks.
    22 answers · 2 weeks ago
  • What happens if you miss 1 car payment but have good payment history with carmax?

    My bill is due the 13th and i cant pay it. Ive never missed a payment or had a late payment. Whats gonna happen? I can pay both bills next month though. What will happen?
    My bill is due the 13th and i cant pay it. Ive never missed a payment or had a late payment. Whats gonna happen? I can pay both bills next month though. What will happen?
    17 answers · 2 weeks ago
  • My credit score is unusually low for my good ratio/perfect payments.Why isnt it higher ?

    Best answer: Since the medical bill is paid in full, that account is "closed." That's reported correctly. Your debt ratio is rather high & that cuts your FICO score. Even if you always pay on time, if you only make minimum payments, it's not good enough to boost your score. You might have an awfully high... show more
    Best answer: Since the medical bill is paid in full, that account is "closed." That's reported correctly. Your debt ratio is rather high & that cuts your FICO score. Even if you always pay on time, if you only make minimum payments, it's not good enough to boost your score. You might have an awfully high credit limit compared to your income, too.

    Make larger monthly payments (aim for at least 3-4 times minimum required), and get your debt ratio below 30%. That should up your FICO score quite a bit within 6 months.
    10 answers · 2 weeks ago
  • Chinese culture, credit cards and dating?

    My brother is in Australia dating a Chinese woman. Recently they had a fight about money and she told him that in her culture the boyfriend gives the girlfriend a credit card to show he is serious. Problem is I have done some research on this and I cannot find anything about giving them a credit card. Is giving... show more
    My brother is in Australia dating a Chinese woman. Recently they had a fight about money and she told him that in her culture the boyfriend gives the girlfriend a credit card to show he is serious. Problem is I have done some research on this and I cannot find anything about giving them a credit card. Is giving a credit card to a Chinese girlfriend a normal thing in our out of China?
    18 answers · 3 weeks ago
  • How to handle a credit card to increase Credit Score?

    I have the money to pay off balances without accruing any interest with a zero balance from month to month. I have a low limit of $1,000.00 *Should one reach close to the limit and pay it all off at the end of the billing cycle? Or does it hurt to reach close to the limit? Even when paid in full monthly? *Should... show more
    I have the money to pay off balances without accruing any interest with a zero balance from month to month. I have a low limit of $1,000.00 *Should one reach close to the limit and pay it all off at the end of the billing cycle? Or does it hurt to reach close to the limit? Even when paid in full monthly? *Should I charge away and make a payment mid month so I can continue using the card without showing a higher balance amount on month end statements? Which are paid off on time. Is there a rule of thumb about leaving a percentage of your credit card limit available and does it hurt to reach the limit even though it is being paid off in full every month without carrying a balance from month to month. I am trying to raise my credit score. I have no debt other than reoccurring monthly expenses such as utilities, food and gas. I own my house outright. Auto insurance paid up in advance. My credit score was 711 in May and now it is 700. I have made zero late payments and wonder why my score dropped 11 points. I only have this one credit card.
    8 answers · 2 weeks ago
  • If I’m trying to build my Credit what are the best credit cards to start off with and how many?

    What kind of credit cards? Like actual credit cards or like Pink, Belk etc? And what kinds do they do
    What kind of credit cards? Like actual credit cards or like Pink, Belk etc? And what kinds do they do
    12 answers · 3 weeks ago
  • I need help with my credit?

    8 answers · 3 weeks ago
  • Can my parents see what I buy on paypal??

    My parents cosigned on my bank account (and I'm still younger than 18). Would they see any purchases I make with my debit card on their online bank accounts?
    My parents cosigned on my bank account (and I'm still younger than 18). Would they see any purchases I make with my debit card on their online bank accounts?
    16 answers · 3 weeks ago
  • Why won t a credit union accept me as a member for deposits if my credit is frozen?

    I have applied for deposit accounts at two major credit unions and quality for membership. But, neither of them will accept me while my credit report is frozen. I am not or do I intend to ever apply for a loan or credit, just want to get the better interest rate on CD s. Is this just marketing? Is it illegal?... show more
    I have applied for deposit accounts at two major credit unions and quality for membership. But, neither of them will accept me while my credit report is frozen. I am not or do I intend to ever apply for a loan or credit, just want to get the better interest rate on CD s. Is this just marketing? Is it illegal? I won t unfreeze my score if I am not applying for credit.
    5 answers · 3 weeks ago
  • Why didn't my credit card chip work?

    I was checking out at Walmart today, and I inserted my credit card when it was time to pay like usual. But the machine didn't even register my card as being inserted. It didn't say "error" or "card declined" or anything like that. It just didn't do anything. Just held the pop up that... show more
    I was checking out at Walmart today, and I inserted my credit card when it was time to pay like usual. But the machine didn't even register my card as being inserted. It didn't say "error" or "card declined" or anything like that. It just didn't do anything. Just held the pop up that says "insert or swipe card now". I tried swiping, but it beeped and told me the card must be inserted. Tried inserting it again, still didn't work, didn't pick it up or something. I cancelled the transaction and tried starting all over again, but nothing worked. I put that card away and used my new debit card, which also has a chip, but with this one the machine worked just fine. I paid for my stuff and left. But I don't understand why my credit card chip wouldn't work. It's even a relatively new card. Any ideas or possible explanations?
    7 answers · 3 weeks ago
  • Should I dispute my Bankruptcy or leave it alone?

    The date that the credit reports have is incorrect so I could dispute them and possibly get them removed however the date that it should be is later than what they have. Is there a chance that they could just correct it and then I have to wait that much longer?
    The date that the credit reports have is incorrect so I could dispute them and possibly get them removed however the date that it should be is later than what they have. Is there a chance that they could just correct it and then I have to wait that much longer?
    8 answers · 3 weeks ago
  • When will mt first payment be?

    I just leased a new 2019 chevy traverse on the 8th of august and the paperwork says the first payment is due September 8th but i havent gotten any paperwork stating where i pay and the Ally financial loan is not on my credit yet so what does that mean? Ive read somewhere that the loan company gives you 45 till the... show more
    I just leased a new 2019 chevy traverse on the 8th of august and the paperwork says the first payment is due September 8th but i havent gotten any paperwork stating where i pay and the Ally financial loan is not on my credit yet so what does that mean? Ive read somewhere that the loan company gives you 45 till the furst payment is due i just want to know will it be due or not
    8 answers · 3 weeks ago
  • I got denied opening a checking account by td bank, what do I do?

    Best answer: go to another bank
    Best answer: go to another bank
    10 answers · 3 weeks ago