Dec 31
The variable interest rate of the HELOC is currently at 10%. I have a credit card offer of 3.9% on balance transfers until it is paid in full.
Tagged with: Balance Transfers • Credit Card Offer • Heloc
Dec 30
Not Chase.com or citi.com, but a place where I can compare credit card offers side-by-side.
Tagged with: Apply Online • Chase • Citi
Dec 28
I’m in my early twenties. I’m not a student. I also need one that reports my limit to credit bureaus so I can build credit. My bank declined my credit card application because I have no credit. I can’t go through them.
I need to build credit if I want a car, home, etc.
Tagged with: Credit Bureaus • Credit Card Application • Credit History
Dec 28
A company bought my account off of my original creditor for probably a small amount compared to the now $11,000 balance. Since the amount is more than $5000, it may have to be tried in civil court instead of small claims. If brought to civil, would it be worth it for the collection agency to go ahead with filing it b/c of the money they will have to spend with court fee, etc? Also is it possible they can go to small claims instead by asking for $5000 instead of the full balance? They keep threatening to bring it to court asap, but then follow up the next day with a settlement of around $5000 or so while using different scaring tactics each call.
Tagged with: Civil Court • Credit Card Account • Money
Dec 27
I have a Discover card that has a balance of roughly 7 grand that I am trying hard to pay down/off but the interest rate is nearly 18%! Does anyone know of a good credit card offer where I can transfer my balance and get it paid off at 0% for a year or something like that?
Tagged with: Credit Card Offer • Discover Card • Interest Rate
Dec 27
I have almost perfect credit but I don’t receive any rewards with my current credit card. I travel a lot and could use mileage points. What’s the best card available now?
Tagged with: credit card • Mileage • Mileage Points
Dec 27
I talking about excellent credit with atleast five years of credit history, no blemishes what soever, and someone with a high credit rating. I am just kind of wondering what kind of offers does good credit get you, especially compared to people with bad credit? What kind of APR can you get with bad credit, overdue accounts in the history, poor credit, and a short credit history?
I am just curious as to how much of an advantage is it to have a good credit history?
Tagged with: Blemishes • Credit History • Poor Credit
Dec 27
I was contacted via phone this evening from a lawyer regarding a credit card debt that I believed to have been paid off by my ex husband, whom I divorced in 2000. The woman would give me NO details other than to say it was in my name and told me I had to contact the bank I had the credit card with for answers. I requested a copy of my credit report and sure enough it was there, the account was opened in 1998 and then it shows it being charged off in 2002 yet tonight was the first time anyone has ever contacted me about it. I honestly cannot remember if I signed the credit application or not; my ex opened alot of accounts without my knowledge and I was listed as an authorized user but according to the credit report this account was joint. I just want proof that I signed a credit application; do I have the right to request such proof? I told the woman that called that I am disputing this matter; she aruged that the account is in my name but I know it isn’t. What can I do?
Tagged with: Credit Application • credit report • Knowledge
