I am looking for a website to find low interest rate credit cards with fixed rates and no annual fees? Are their any suggestions as to where to look on the web for these companies?
Nov 28
just would like to know what is required of an Aussie citizen inorder to be approved for a CC application.
Nov 28
Ok so I lied on a credit card application about two years ago now and obtained a credit card under-aged. Sure, yeah its fraud that I understand but this isn’t really an issue. I’ve paid on time, done a great job of managing it and in fact have a great credit score due to it. My question now however, is now if I go and apply for a car loan, apartment etc using my correct D.O.B. what will appear to a creditor? I used my social security number so that information is correct, will it appear regardless of age?
Your help is much appreciated.
Nov 27
I have been named legal guardian over a mentally-ill sibling who has gotten into trouble in the past with spending on credit cards above and beyond her means to pay. I have closed all current accounts, but what is the best way to ensure that no more credit cards are issued to her?
Nov 27
Posted for a family member…Grandma’s grandson applied for a credit card in grandma’s name and listed them as getting a second card to use. The credit card company called me before the account was opened, so all they did was a online credit application. I live in texas. What crimes can i press charges against him for?
Nov 27
Ok Where do i begin, I have a truck and a car on my credit. I started off good. As in paying for them, and then i feel into a deep depression.
Well i let the bank come get the car, but i still have the truck. Its been written off by the main company but its being handled by a second party collections agency. They still send me letters from time to time. And it read something like. Pay the amount or turn the vehicle in. Well i have failed to do so. I have credit cards and any other type of past due bill on my credit. The crazy thing is, the coast is under 40,000.00.
Compared to others my money matters are rather small but big enough to me and so much of a bother that i want to rid my self of them. Now due to nobodies fault but my own granted. I just want feed back on what to do.
I forgot to mention that, i have had the truck almost 2 year to date from my first repo letter. I have not lived at the current address that they where looking for the vehicle. Im looking at this from a realistic stand piont, i cant get a 700 nor a 720 ON MY CREDIT. But i just want it to look decent rather than a credit company looking at my credit report amd laughing me out of the office. But please only constructive advice. I dont need negative, please…….
Ad yes i do have a jobm i bring home any where from 800 to 1000.00 per week. So its not a matter of me not being able to afford the things i have. Its me making bad choices in my past that are here in my future.
Well i let the bank come get the car, but i still have the truck. Its been written off by the main company but its being handled by a second party collections agency. They still send me letters from time to time. And it read something like. Pay the amount or turn the vehicle in. Well i have failed to do so. I have credit cards and any other type of past due bill on my credit. The crazy thing is, the coast is under 40,000.00.
Compared to others my money matters are rather small but big enough to me and so much of a bother that i want to rid my self of them. Now due to nobodies fault but my own granted. I just want feed back on what to do.
I forgot to mention that, i have had the truck almost 2 year to date from my first repo letter. I have not lived at the current address that they where looking for the vehicle. Im looking at this from a realistic stand piont, i cant get a 700 nor a 720 ON MY CREDIT. But i just want it to look decent rather than a credit company looking at my credit report amd laughing me out of the office. But please only constructive advice. I dont need negative, please…….
Ad yes i do have a jobm i bring home any where from 800 to 1000.00 per week. So its not a matter of me not being able to afford the things i have. Its me making bad choices in my past that are here in my future.
Nov 27
I am 18 years old, and I need my first credit card to make an expensive purchase. What card company would be the best for me to use?
Nov 26
What happens to the credit card application after the bank accepts it from the applicant? I have heard that they are bundled together wth other credit card applications and sold off to invetors in the secondary market as financial assets (securities). Is this true? Is this why I can’t get it back?
The reason I ask this question is because I just started taking some banking/finance classes. In one of the textbooks it talks about securitization. I short it describes our promises to pay as financial assets that are then bundled together and a bond is issued by the bank backed by our original promise to pay (credit card applications) and sold into the secondary market to investors. The interest and principal payments are then passed onto the investor, while the bank collects a servicer fee for collecting the monthly payments from the debtor. The bank is thus acting as a servicer. I was just curious as to why this was not disclosed in the application before I signed it.
The reason I ask this question is because I just started taking some banking/finance classes. In one of the textbooks it talks about securitization. I short it describes our promises to pay as financial assets that are then bundled together and a bond is issued by the bank backed by our original promise to pay (credit card applications) and sold into the secondary market to investors. The interest and principal payments are then passed onto the investor, while the bank collects a servicer fee for collecting the monthly payments from the debtor. The bank is thus acting as a servicer. I was just curious as to why this was not disclosed in the application before I signed it.
Just seems if we regular people did something like that we would find oureslves on vacation in the gray bar hotel!
Nov 25
I am studying abroad soon and I want to open and account with an international bank. I want to do this so I don’t have to pay steep ATM fees while I am abroad. What bank international bank is the best?
I also plan on getting a credit card and it would be great if I could get it from the same bank… if not what is the best kind of credit card to use internationally?
I will be traveling in Western Europe mostly
Nov 22
We have a debt on a credit card with a16.99% APR. I received an offer to transfer this to another card with 0% for 6 months, thereafter 3.99% until paid off. Of course there is the 3% transfer fee. I can calculate what impact this will be on the monthly interest (including the 3% transfer rate), but how do I determine the monthly payments and compare if this makes sense to do (specifically the cost of the transfer vs the savings in long term interest)? Thanks.
