Related articles from Google NewsOpen Question: Put Your Stimulus $$$ Towards CREDIT DEBT!! NOW!?
Imagine these predatory, criminal, loanshark, gov't bailed out, scumbag "lenders" after everyone in America, dumps their Stimulus money towards a credit card, or a mortgage, or a loan? Besides saving yourself an average 20% interest on payments you would normally make, you can happily serve a bitter cupcake to these B.
Open Question: Which of these should I use my Economic Stimulus check for?
1. To pay down a high-interest credit card
OR
2. Put it into savings to help pay bills for my maternity leave (July-Sept)
Open Question: What is the best way to get out of debt? Consoldation loan, counseling, etc.?
my husband and I are about $15,000 in credit card debt. We are current on our credit card bills but we are only making minimum payments and seem to be getting nowhere. I thought of a debt consolidation loan but here the interest rates are high. Anyone know anything about a Debt Management Program like Care One? I think you pay them and then they pay your bills but how is this any different than what I am doing? Can someone give me advice on what to do? It is so depressing. We try not to use the cards. which is difficult at times when money is tight. HELP!
Open Question: Did the U.S. Marshalls violate my rights?
Yesterday, I was coming home from work w/ a friend & when we pulled up to my apt noticed a small sheet of paper stuck inside my door. When I looked @ it, it was nothing but a credit card slip from Sonic. I then tried to open my door and couldn't because my locks had been changed! I went to the office to find out what was going on with my locks. During that conversation, I noticed 2 black guys knocking at my door. The leasing agent made a phone call when I asked about my locks then stepped outside. Then 1 of the 2 black guys came in & asked my name. I identified myself & he showed me his badge. I immediately asked for an attorney and he said it wasn't necessary because I wasn't in trouble. He questioned me about my neighbor and if I knew his whereabouts. I told the agent that he has been in Dallas County Jail for a week. (BTW, They were shocked to hear that he was in jail!). They asked a few more ?'s and went on. Well that day a lady in a gold car was following me arou
she followed me around Dallas and then just parked in plain view in the apt complex when I got back home.
After questioning, I got keys to my apartment and noticed that things had kinda been rummaged through, but didn't really think anything of it. This morning I go to work and find out that the Marshall's had gone to my work and knew that I was scheduled that morning to work and asked where I was.
So what I have concluded from all of this is that they had my locks changed, came into my apartment (the only way they could have known my work schedule) and followed me around for the day just to answer questions concerning the whereabouts of my neighbor. That seems excessive.
My neighbor is on federal parole and is wanted by Marshalls for bank robbery. I am also a felon on state parole for drug related charges. Someone had told them that they saw us together three days ago--which was impossible since he was in Dallas county jail and I was out of town (confirmed with plane ticket
Open Question: Which credit card has a better rewards program during a calendar year?
I'm comparing two credit card reward programs. Card #1 offers 5% rewards on supermarket shopping for about 6 months, and 1.5% on all other purchases. For the other 6 months, the rates are 1% on supermarket and .5% on other purchases.
Card #2 offers 2% all year on supermarket purchases and 1% on everything else.
I realize it depends on what I charge on the card, but overall, which program is better?
Open Question: If you owe money on credit cards can they intercept your tax return?
Open Question: chase credit cards?
i have a wawa credit card through chase, does anyone know about the rewards they give back?
Open Question: i have about 40K in debt. my credit is not great. I want to buy a house. Is that possible?
My debt is all on credit cards. I have 2 children and my wife declaired bankruptcy several years ago. We dont really have any money saved up because of the debt we are living pay check to paycheck. Currently we are renting a home for 1500/mo. We are dying to buy our own house. Is it even possible?
Open Question: Wisconsin business question?
My wife and I own a retail operation and we received a check for $350 from someone and it bounced.After many attempts to get ahold of him he has not responded. This person has paid us before for other things with a credit card, can we charge his credit card for the amount owed in the state of Wisconsin? Any help/advice would be great!
Open Question: How can an adult reserve a motel room without a credit card ?
I need to make motel reservation for few days. Does not own a credit card. Any ideas how to go about it. Are you aware of any motels that will make a reservation with wire transfer ?
Thank you
Open Question: Am I Spoiled?
Ok I'm 16:
-My parents just bought me the car...more like truck of my dreams: A new 2008 Ford F150 (Blue)
-They pay for all my gas
-I have a credit card and a debit card
-4 Louis Vuitton purses (with matching wallets)
-I live in a 2 story house (not including the basement) we live on the water in Louisiana (Oh SO pretty sunsets!)
-Have 6 cars (A pilot, My truck, My brother's truck, Lincoln Navigator, Lincoln MKZ, and my Dad's old Mustang (from the 70's)
-I get my toes done every weekend (not my nails because I work in the garden with my mom all the time!)
-I love shopping at The Limited, Coach, 7 Jeans, Dolce & Gabbana, Dooney & Bourke, sometimes Abercrombie..
-My whole family has iPhones
-I'm on my 6th iPod (I just keep breaking them..)
-I buy my makeup from BareMinerals, Clinique, and Sephora
-I have a Mac ProBook (Laptop) and an iMac Mac OS X (20'')
-I get my hair done (highlighted every 4 weeks to keep up the color) and cut as needed
-52'' Pioneer TV in the living room 22'' in by bedroom
-We have a Wii, Xbox, PS3, ect
-We take normal yearly trips over-seas
So..ya!
I'm wearing real (SMALL diamond studs) one of my many pair
Gold chains and jewelry and gems && stones
Ohmigosh...I could go on...
I keep my grades up (if not bye bye car keys)
and I'm a quiet person at school...but not in the barn.
AH! Did I tell you about Duke?! My horse?!
I'm appreciative. I even have a job. My parents are strict! Geez. So, heck ya I'm respectful and generous.
Plus I volunteer at the Animal Shelter every Saturday. My passion is animals.
Open Question: Is a Pre-paid Visa Card aceptable to subcribe on Yahoo Personal?
I have no credit cards and I want to subcribe on Yahoo Personal, but in order to join as a member I need a credit card...I read along the list of questions & answers someone asked the same question and the aswer was Pre-paid Visa...I just want to confrim...will this be aceptable being that the question was a year ago.
Open Question: Netflix - Why have I been billed during my free trial?
I cancelled my Netflix membership just a day or two after I started my free trial and I was still billed. I checked the Netflix help site and it said your credit card may still be billed temporarily. Will this eventually go away? How long would that take?
Open Question: Do I need 2 cards to use Paypal?
I just want to use my debit card on paypal, but it needs to be "verified" in order to send money (I guess that means buying items online). Do I need a credit card or bank account to verify my account??? I just want to use my debit card to buy online things for crying out loud!!!
Open Question: Moving out of state; unsure about what bank to use?
I have been with a credit union for as long as I've kept money in the bank, but I am going to be moving in June. I'm going to need to switch banks to one that has branches in both states. I am only looking for a bank that can offer me a free checking account (with debit card) and savings account, no monthly service fee, and a low minimum balance in the savings account. I have looked into Wachovia, and they seem to be my best bet. Can anyone give me their opinions or personal experiences with them? Thanks!
Open Question: Am I responsible for my wife's credit card debt?
I have perfectly good credit, so does my wife. She does not work because she takes care of two children. I give her a monthly allowance for her personal spendings, that she does not spend on household. She has her own credit cards.
Lately, I found out that she has been racking up debt. Apperantly, she has no self control when it comes to buying things. She buys everything she wants. Her monthly allowance cannot cover her spendings sprees. She ends up having $40k in debt over a couple years and had almost maxxed out all her credit cards, which she only pays minimum every month.
Can she declare personal bankruptcy without ruining my credit/life? If so, which Chapter?
Will I be made accountable to pay for her debt after her bankruptcy declaration?
How do you deal with a spouse like this?
I don't live in a community property state.
Dude, how is it my fault?
I've talked to her many times about her spending habbits but apparently nothing sinks in. Is it my fault she hides her credit card bills from me? Do I have to baby sit her 24 hours a day even tho she's an adult?
I notice her things, but remember this was accumulated over a couple years not a matter of days.
Open Question: How is your credit rating determined?
Almost a year ago I went to buy a laptop...was gonna pay a deposit and then the rest off monthly. Everything was sorted until when the assistant went to fill out the necessary forms and ring the people involved with the credit stuff (who are they by the way?) refused the purchase. Assistant said it could have been down to the address I gave which didnt have proper hse number or bad credit rating but thing is...I've never had credit card in my life. I haven't paid back my student loan though so would this be a factor in why I was refused? At the time I was also abit overdrawn but not now...can they find this out too?
Open Question: Poll: If you had $3000......?
......that you didn't have to report or pay taxes on what would you buy? Oh and you have to spend it all in 1 day!
I would pay of my credit card and buy myself a new dryer to match my washer! Also take my family on a shopping spree!
Open Question: Went to small claims court...lost...60 days to pay..if not wages are garnished????
I have 61 days actualy to pay 4300.00. The whole balance. I want to pay but don't have the money. I wanted to make payments. That wasn't allowed. Overall, if I don't pay within the 61 days she has an statement that says she can go to the sheriff's office to start process of getting wages garnished. Of course I don't want this to happen, I really don't have the money, and don't want to get someone else involve by borrowing it from them. I want to handle things myself. I REALLY WANT TO PAY. What happen's once she goes to the sheriff's office? Do they try to work something out with me? How much will be garnished? I always thought it was 10%? But reading other people's stories I see 25% etc. This was a personal loan. Not credit card or anything like that. HELP! Also, before we left court the arbitrator told her to try and get some money from me now. I have no problems with that but she hasn't even contacted me. I figured if she did, that was a sign that she was trying to work something out
Open Question: My boyfriends birthday...HELP!?
My boyfriend will be 22 this years....for the last 4 years he has always got me awesome birthday gifts.
I had the idea to get him a PS3 plus his fav game that is only coming out with the 4th game for PS3. We were at the mall the other day and we walked into the game store. He looked at me and said " I know now...your getting me a PS3 for my birthday."
It just messed up my whole idea...should I still get it for him? Or should I find something else? His birthday isn't til the end of May but I want to get his stuff now and put it on my credit card and have it paid off before then.
I really had no other idea...Drinking things are out because I'm 20..we don't have time to go away any where. Hockey tickets are out play off tickets I will NEVER get.... any other ideas?
Open Question: someone i have met on yahoo keeps asking me to either set up a wells fargo account to recieve a 55.000 dollars
or she would like me to cash it to credit card or cash it and send the money to nigera
Open Question: Should I pay my credit cards minimum amount or should I fully pay it off?
Every month the minimum is about 15 dollers and I pay that off, making the full amount easier to pay in one shot. Should I just keep paying it off little by little or should I do it all in one shot? Which is better for me over all, and will help my credit score?
Open Question: Went to small claims court...lost...60 days to pay..if not wages are garnished????
I have 61 days actualy to pay 4300.00. The whole balance. I want to pay but don't have the money. I wanted to make payments. That wasn't allowed. Overall, if I don't pay within the 61 days she has an statement that says she can go to the sheriff's office to start process of getting wages garnished. Of course I don't want this to happen, I really don't have the money, and don't want to get someone else involve by borrowing it from them. I want to handle things myself. I REALLY WANT TO PAY. What happen's once she goes to the sheriff's office? Do they try to work something out with me? How much will be garnished? I always thought it was 10%? But reading other people's stories I see 25% etc. This was a personal loan. Not credit card or anything like that. HELP! Also, before we left court the arbitrator told her to try and get some money from me now. I have no problems with that but she hasn't even contacted me. I figured if she did, that was a sign that she was trying to work something out
I wanted to work it out before. She called me telling me she was going to cancel the claim against me but got in contact with me too late to do it. Then gets in court with this attitude like she was coached on about the situation and wanted the money within 60 days.
Open Question: Can a collection agency refuse to freeze my balance?
I have a credit card that is in collections. Every month, late fees and other penalties that add up to more than $70 is being added to my balance. They say it is because the credit card company will not close the account. And the CC company says that they will not speak to me about the account...that I have to contact the collection agency. How can I get this balance frozen, so that I am just working with one balance and not an increasing one every month?
Open Question: I'm looking for a way to pay my mortage payment with a credit card?
My mortage is with Countrywide and I am looking for a way to pay my mortage payment with my credit card that gives me airmiles. They won't accept a credit card payment and I can't buy money orders with a credti card. Any other ideas?
Open Question: Can a collection agency refuse to freeze my balance?
I have a credit card that is in collections. Every month, late fees and other penalties that add up to more than $70 is being added to my balance. They say it is because the credit card company will not close the account. And the CC company says that they will not speak to me about the account...that I have to contact the collection agency. How can I get this balance frozen, so that I am just working with one balance and not an increasing one every month?
Open Question: Debt acquired BEFORE marriage?
Long story short, I'm engaged & my fiance' has accumulated close to $35,000 worth of debt. Would credit card companies, etc. be able to legally come after me once we're married to collect the money? I have no debt of my own, so I don't want to get into something that I won't be able to get out of.
Thanks all!
Open Question: Question about Credit?
So I just got my first credit card, and I haven't reached my first billing cycle yet. I have charged a lot but payed it ALL off already. My mother told me that I have to wait to have a balance on my monthly bill and that is what is going to give me my credit. So have I really not been building credit with the payments I've made since it isnt on my monthly bill? Thank you!!!
Open Question: Important question regarding help with women, sort of embarassing?
Hey, this is kind of an embarassing situation, but I am in a bit of a dilemma. I just turned 21, I'm a college student, and yeah I guess you could say Im kind of a nerd, but I'm a pretty good looking guy and I consider myself somewhat intelligent....but when it comes to women, Im pretty much average at best and Ive always been kind of shy.
Anyways, I've been looking at this program online, there is this full comprehensive DVD set that basically tells you everything you need to know about attracting women, and I trust this program a lot cause I've read the Ebook and I really understand what they are saying.
My problem is that the DVD set costs $150 bucks, but I really, really wanna buy it. Thing is, my dad controls my credit card, so any interaction I have goes through him cause he doesnt completely trust me with money. Thing is, it is kind of embarassing telling my dad that Im a 21 year old college student and I suck with women, and want to shell out $150 for this program.
So Im wondering how to ask this question to my dad so I can shell out the money I need to buy this program without it coming off all awkward, cause I really want this program cause I know its gonna help me be happy in life, I don't care if it is $150 dollars and I know Im not being scammed by it, I just dont want to explain it to my parents and have them asking all damn questions about my love life and why Im not happy and blah blah blah I just dont wanna deal with it.
In response to the first answerer, buying the DVD could teach me so much more in a few hours than just going to the bar and observing people would take...it would take more time, more money, more frustration, that is just dumb, why not just buy the DVD set and get all the information I need to know compressed?
Open Question: Bank Credit card??
About 2 weeks ago I did an application at my bank for a credit card. I believe that I have good credit with my bank. I have a handy line with 2000 and they gave me a personal loan of 3000. I always make my payments on time. The card issuer is GE money bank. Would they go on my credit standing at my bank or my actual credit. Because my mid credit score isn't good it is around 640. I have been waiting and waiting I have not received the card or a letter denying me. Should I call GE money bank or my bank.
Open Question: Anyone need to hire a car in Spain that does not have a credit card?
Firstly, I would like to thank everyone that answered my question the other day with regards to hiring a car in Spain without a credit card.I have since discovered that a car hire company called Avis have recently changed their policies. They now accept debit cards in the name of the hirer/driving licence/card holder, so you can hire a car in Spain with a debit card. They saved my life, as now I can enjoy my weeks holidays and Formula 1 experience, next week, with the comfort of a car. Again thank you to everyone that answered my original question.
Open Question: Is there any link on which I can order T-shirts designed by me?
I have heard this from my frn circle tht there r some websites
which allow you to select the design for ur T-shirt or they print ur name on it, whtever u like. So is der ny...
n wat about the payments, do they accept debit cards or only credit cards.
Plz tell me d procedure how to buy things on d internet coz i would b doin this for d first time.
Open Question: a few credit questions? (car loans, student loans & credit cards)?
If I have bad credit and I pay on time & the full monthly amount my car loan and student loans will it help my credit at all?
Or am I just basically screwed.
Also I heard if you owe say a credit card company money they only have so long to take action for those charges.
How long is it?
Open Question: AnnualCreditReport.com- Dont want to be charged a monthly fee how do I get ahold of someone.?
I had went to the website AnnualCreditReport.com to get my credit report and I entered in my information but when I got to I believe the last step my browser closed. How to I become an "um-member" so I dont get charge the monthly fee, it said my first 30 days were free but I would be charged my credit card after the 30 days every month.
Is there a number I can call to actually TALK to someone to make sure I wont be charged or what can I do?
Thanks for your help!
Open Question: Should I stay with a cheating wife.?
A few days ago I found out my wife of 10+ years was cheating. She denied it right to the end. It wasn't a one-night drunken stand but a sought out relationship orchestrated between work and family responsibilities. I brought up the issue after numerous indications over the last 2 weeks (evasive answers, unknown phone messages, bizarre spending habits, missing joint credit card statements, and odd behaviour). I feel hurt, betrayed, lost... I feel like we should attempt to stay together for numerous reasons (I still love her, we have 3 children, and I don't want to abandon the life we've built together). The problem is - I don't feel a strong committment from her and I am not sure I can trust her. Is she going along with it just for the kids or fear of something else (for example reputation - we live in a smallish community on Vancouver Island)?
Open Question: credit card offers over the internet?
i have been looking for a new credit card with lower intrest rate with a 0% apr intruductory rate for the first 6 to 12 months to transfer my existing credit card balance to. i received an offer via email from platinum plus. i read the terms and rate sectiion and it does not look like a bad offer, but how secure is this to do over the internet? will the information i provide be accessable to other companies? and does anyone have a platinum plus card or have done a balance transfer to a lower apr credit card? and if so were you able to make a noticable change in your debt?
the platinum card is from bank of america
Open Question: Hiding Credit Card Bills?
My wife has opened up a credit card that I knew nothing about. She also hides the bills when they come in. Being married, I do not think this is right. I now do not trust her the way I should because I do not know if she opened other cards. There should be no secrets in a REAL marriage. Am I wrong for feeling this way?
Open Question: Funds placed in dispute on paypal?
I put the funds for an item I bought on ebay through paypal immediately into dispute once the money had been transferred. Is this money now "locked" in the seller's account. I have since escalated it to a claim but I have been reading horror stories about sellers taking funds so there is not enough left in their paypal account to give me a full refund? Oh and we paid with a credit card.
Open Question: Question about credit cards and paying early?
If I had a $500 credit limit and used $100 the the first day of the month. What happens if I pay off that $100 in the first week? Will my available credit be reset back to $500 before the end of the month?
Open Question: Student Credit Cards?
Im about to go to college and i'm thinking of getting a credit card for emergencies. Where can I find out more info about them as I've never had one before?
Open Question: Need to start building credit...?
I am 23 yrs. and never owned a credit card. I have always pretty much tried to pay up front. Now that I am considering getting an apartment within the next year I need to start building credit. Whats the best starter card I should look into? I have applied for cards that have been sent to my house before and they always deny me. I don't even know why they bother sending them to me.
Open Question: making a claim through paypal?
I put the funds for an item I bought on ebay through paypal immediately into dispute once the money had been transferred. Is this money now "locked" in the seller's account. I have since escalated it to a claim but I have been reading horror stories about sellers taking funds so there is not enough left in their paypal account to give me a full refund? Oh and we paid with a credit card.
Open Question: Problem at work with boss's boss?
I am going through a phase at work where I am being sidelined in everything. The VP of the division insists on my boss presenting my work to the president of the division. The credit thus is shared by the two of them. It is going to the extent that I am taking my project team out for dinner and the VP has said that he will come and pay for the meal (We will use the company card so either way the company pays) It is just that he will get the credit. I am planning to make it a point to say it in front of everyone that this is a project dinner so you should back off.
Earlier too during a presentation of mine he had made some stupid remark, I countered and he looked arrogant. So he back with 'I guess I asked for it, he he he...'
It is really making me frustated...
Open Question: Ive always had check cards, but never a credit card...?
any recommendations of who I should get a credit card through? Like what financial company or who has the best rates? e.t.c... and how much of a credit limit I should start off with.. im 24, single if that helps any. Thanks!
Open Question: If your minimum payment is 600 dollars on a credit card, how?
much do you owe?
Open Question: I have a Problem with Paypal?
I am From Ukraine. I wanted to buy some stuff on Ebay, so I registered on Paypal, And atached my Ukrainian Credit card, how ever when time came to pay for the goods,
It said "This payment cannot be completed because your credit card has been refused by your credit card issuer. For details on why your card was refused, please contact your credit card issuer's Customer Service department. You may want to try using a different credit card or choose eCheque instead. To do this, please click the More Payment Options link."
I will be visiting UK in a few days, Maybe someone knows how I can put money on paypal account, in a short period of time.
Can it be done in a bank without oppening the bank account? If yes, is there any comission, how much ?
Open Question: i can't view my credit report...?
i tried to get my free annual credit report, and when i did, i had to answer a security question to prove who i was. the question was "our records indicate that you have opened a mortgage in Feb of '08 with one of the following banks, which one?"
then it gave me a list. i didn't open a mortgage of any kind, ever, so i chose "none of the above".
now it is telling me that my info is incorrect and i can't get my credit report. i called all the banks on the list, and none of them have a mortgage taken out in my name. i have to send out all my personal info (copy of ss card, drivers license, address, utility bills, etc) to someplace in GA, to get my report by mail and i don't feel comfortable with that. i have called all 3 bureaus and none of them have people i can talk to. it's all machines that can't help me. my bank told me the best i can do is apply for a small loan to get a report. will they even do that? how do i know my identity isn't being used? is there anyplace i can call?
in response to the 1st 2 answers:
i already called this #!! i just called it again, and it is the same # iv'e been given.
Open Question: Putting all credit card debt onto one card?
My husband and I are trying to get out of debt. We have a plan written down that would allow us to pay our credit cards off in a little less than 4 years. Sounds like a long time, but at least we have a plan to pay it all off. We would be able to if we put our two cards we have debt on into one credit card, which is a card we have, so we wont open a new one. We have excellent credit and I dont want our scores being hurt, but we'll save a lot of money by putting it all one one card. In that we would have about 14,900 on one credit card, with no other credit cards with balances.
Is it a good idea to transfer and put it onto one card. I heard its bad to have so much one one card, but we would pay like 320 a mont on it, plus put our 1000 tax return on it in May. I dont want our credit score to be badly damanged, but I want to get outta debt asap and not drag it on. I mean 10.32 variable apr vs. a 7.9 fixed apr on the one card.
What worries me is we would be a little more than 2000 away from our credit limit. Granted every month it would get further and further away from that. I just know it isnt good. But is it worth it if you have to take a dip in your credit score.
Open Question: I have protection on my cards re losing my job but I am self employed?
I have been self employed for 2 years but work has dried up recently and I have no income and can't pay my credit card repayments, I have insurance on the cards but only if I am made unemployed by my employer, but I am self employed with no contracts, is that the same thing, they said it would count as the same when i signed up, but I think they were just trying to get me to take out the protection, what do you think?
Open Question: Someone else has my social insurance number (my ex-boyfriend)?
Can they sign credit cards in my name? Can they harm me financially?
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