Contact free credit cards
lucillle
4 years ago
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Elmer J Fudd
4 years agoUser
4 years agoRelated Discussions
Credit card complaints
Comments (29)soggy, Do you have a good connection with a credit union or bank? What'd be your possibility of getting a loan from them? If unsecured, probably somewhere around 10% - almost certainly a lower rate than you're paying now. If you own some mutual fund or stocks for which you are holding certificates, lodge them as collateral - or a (whole life) insurance policy with some cash values built up, you could probably get a loan at 5 - 6% approximately. Whole life insurance policies should do something to at least partially justify their high prices! If you own mutual funds or stock in companies with only documentation in the broker's computer - maybe have them issue certificates, if you plan to hold them for a while. The $35. - 50. or so fee would soon be made up by the difference in interest cost, if you have any sized balance owing on your "credit" (really "debt") card. Pay the darn "credit" card company off in full. Just one proviso - when you get the "credit" card balance paid off - don't succumb to the temptation to use it to go out and buy a lot more stuff! Just remember - when you get the "credit" card balance paid off - don't succumb to the temptation to use it to go out and buy a lot more stuff! Don't forget, now ... when you get the "credit" card balance paid off - don't succumb to the temptation to use it to go out and buy a lot more stuff! If you do - you'll have two debts - one at a lower rate of interest cost, and another at a high rate of interest. There's a 6-letter word for that - S-T-U-P-I-D. Hope you're enjoying a really great summer weekend. A local KT (Kitchen Table) resident and I are looking forward to coffee with another KT person who's coming to our city tomorrow. ole joyful...See MoreNeed advice on credit card debt
Comments (8)oldmanriver, Some people have had good results doing the negotiations with the creditor companies themselves. One needs to have a good idea of what one wants before starting, and lots of reasons why that's the route to go. Remember - they don't want you to declare bankruptcy. You don't, either, unless you owe buckets of money, for the expenses involved in going bankrupt are substantial. And you lose almost all of your possessions. Plus - you have a bad credit history for many years. Which may not matter too much - if you don't want to ask for credit for some time. However, as I was a newly arrived tenant recently, the fuel company wanted a deposit from me before they delivered fuel. Had they checked my credit history and found a bankruptcy, quite likely it would have been somewhat higher. Whether you make arrangments with your creditors yourself or use the non-profit Credit Counselling, make sure that you can live with the arrangement, and make sure to follow through on the agreemeents that you make: don't default, even once. Forget the "minimum required monthly payment" issue - pay off as quickly as possible. But make sure that the monthly amount that you promise to pay is an amount that you can manage. Then make those payments, for sure - but pay extra when possible. Try to pay off all of the creditors as fast as you can - making additional payments above the amount that you agreed to, when possible. Cut your spending to the bone, for a while, until at least the major portion of your debt is paid. If some of the creditors insist on maintaining a substantial interest rate, do you have collateral that you could use to obtain a loan from a credit union or bank, or would they agree to a loan at lower than the rate your current creditor is charging, so that you could pay that loan off? Good wishes. Keep us posted on how things are going. We want to see you get free of debt. And that as soon as possible. ole joyful...See MoreA deep-in-debt friend asks your help to get another credit card
Comments (26)This has always been a political analogy. There is no friend with a credit card. And yes, welcome to the US. Where some people care more about who wins the next election than the well-being of the entire country. Where many, many people vote not on the issues but because of their hatred of certain parties. Where our elected officials fight like stubborn pre-schoolers while we're left helpless with nothing to do but watch. It's just way too over simplistic to just say "well stop spending" because that doesn't solve the problem right now, which is that in exactly 2 days we could have a crisis. People who depend on social security checks might not get them. Loss of our credit rating means car loans, mortgages, all interest rates will shoot up. Our dollar will fall even lower than it is now. All the people who depend on social security, that they paid into, will risk defaulting on their own mortgages and bills because they don't get their check on time. This painful recession will be nothing compared to what will happen if the US can't pay it's bills and loses it's top credit rating. Anyone who relies on social security, on medicare, on medicaid, on disability, on military pensions, on any kind of government assistance will not be able to rely on that income anymore. Everyone is saying "Don't spend more!" but where do you think these checks come from? And trust me, social security will NOT be the first thing the US pays if it has to pick and choose bills. Figuring out the debt, raising taxes, cutting spending...that's all fine and well but those things take time. We don't have time. I hope everyone who relies on this money has a back up plan....See MoreCreditreport.com charges on my credit card
Comments (17)Credit card numbers can be accessed by crooks so many ways nowadays--not just by someone picking your purse or going through trash; a lot of computer-savvy people steal entire customer database info (like what happened a few years ago with TJMaxx/HomeGoods/Marshalls). Glad the woman could help you. Did she say whether she'd flag that old account for further activity? Unfortunately, the credit card companies never tell you how your account was compromised--by whom, to what extent. A few years ago, I got a letter from my credit card company saying my account had been compromised by a website and that I needed to fill out a form and that my account would be closed and a new one opened (it was legit, not a scam to get personal info). But no one would tell me which website it was so I could stop doing business with it! That account changeover really messed up some of my automatic debit payments, I'll tell you, even tho the credit card company said everything would be transferred smoothly......See MoreElmer J Fudd
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