I have never owned a credit card and I owe collections $400. Does anyone know where I can get a credit card offer regardless of my bad credit score?
May 31
I just applied for a 2nd credit card (a store credit card). On the website one of the requirements was that you were already approved for a major credit card.
The letter said rejected because:
-number of recent inquiries on credit bureau report
-excessive obligations in relation to credit limit
-limited credit experience
In Janurary I was approved for a student credit card(Visa through Bank of America). I’ve paid my bill in full each month, and my average use is $250/month of my credit limit, which is $700. So each month I have not even gotten close to my credit limit.
I just want to know what “excessive obligations in relation to credit limit” means. I understand the other reasons.
Thank you
ok, thank you everyone for all the side notes.
can someone please tell me what “excessive obligations in relation to credit limit” means
thanks
May 31
My credit card offer 20,000 travel miles for opening new card (new customer only)
Credit card CSR told me that I can use it, earn my mileage, and cancel it after 3 months.
And apply for a new one and earn a fresh 20,000 miles
Credit card CSR told me that I can use it, earn my mileage, and cancel it after 3 months.
And apply for a new one and earn a fresh 20,000 miles
I think it is a good idea b/c this company has many credit card products and I can earn the mileage faster.
Do you have any idea how much FICA scores will I loose? My FICA score is 815 with no debts.
May 30
I need a loan pretty much. I am trying to get an apt. I was denied for two personal loans because of not having an “adequate income”. I am trying to get 2,500 dollars. I could pay it back as I work full time. I have relatively good credit too! I need some help. Please don’t answer me with a “scam”. I won’t respond to it and I’m sick of scams.
May 30
i have a college credit card… im about to graduate… and there are other cards with better rates… rewards and benifits…
im currently with citibank… i know canceling and signing new applications will lower my credit…
so i’ve had this credit card for 2 years now… can i get have the bank change the type of credit card with out canceling my account or signing up for a new one?
May 30
My sister was evicted from her apartment last year and has been living at home since. She was 30 days late on rent because she had lost her job and was in the middle of a messy divorce. She has always been good with her finances in the past; however, her financial troubles hit at the same time and put her in a bind.
My question is: She is looking to get an apartment with me since my lease is up, our parents are moving out of state, and we have no other family or friends that have room to take her in. I have no prior evictions so would a landlord look at the application and be willing to rent to us if one of us has eviction history and the other does not? Her credit history is only messy around the time of her eviction, meaning she has a charge off on one credit card for $400, which she paid in full and another charge off for her car, which they repossessed (yes I know its a lot, but I’m not writing to have people judge her, so please only answer the questions) She has been up to date and paying in advance all of her bills for the last six months, since she got a new job. We compared credit reports so I know exactly what is on hers. My credit is excellent. Please only serious answers. We are looking to rent in a complex and are trying to avoid renting a single family home. However, if that is our best option, we will take it. Thank you in advance!
My question is: She is looking to get an apartment with me since my lease is up, our parents are moving out of state, and we have no other family or friends that have room to take her in. I have no prior evictions so would a landlord look at the application and be willing to rent to us if one of us has eviction history and the other does not? Her credit history is only messy around the time of her eviction, meaning she has a charge off on one credit card for $400, which she paid in full and another charge off for her car, which they repossessed (yes I know its a lot, but I’m not writing to have people judge her, so please only answer the questions) She has been up to date and paying in advance all of her bills for the last six months, since she got a new job. We compared credit reports so I know exactly what is on hers. My credit is excellent. Please only serious answers. We are looking to rent in a complex and are trying to avoid renting a single family home. However, if that is our best option, we will take it. Thank you in advance!
May 30
I am 17 years old. I earn an average of $400-$500/week in income, sometimes more. This is obviously way above-average pay for my age. I am a senior in high school, graduating in 3 months. I will then be able to work full-time and hopefully find a better job, making ~ $3,000-$4,000/month, before going to college either PT or FT next year.
Anyway, my parents have refused to co-sign a car loan for me. I am not really sure why, and it bugs me.
I already lied on a couple credit card applications and have two credit cards (a Visa and AMEX) in good standing.
My credit score is just above 700.
What are the potential consequences of, say, “mis-typing” the birth year on an online Capital One Auto Finance application for about $7,500?
If I pay my payments on-time and in whole every month, will they care/investigate the matter further?
Also, do they ALWAYS require proof of identification, i.e. driver’s license, when applying for a secured/car loan?
Thank you.
Thanks for the responses thus far.
I acknowledge the theoretical seriousness of this.
However, in PRACTICALITY, if I pay EACH and EVERY month on time and in whole, even exceeding the minimum installment amount for a given month, will I get in trouble?
NO defaulting, NO late notices, NO derogatory activity whatsoever.
I was approved for a $10,000 loan at 11.5% for a used person-to-person purcahse. While this isn’t the best rate, it isn’t unmanageable, either.
What if I paid even $700/month to get this thing paid off in 18 months?
Thanks again in advance and for the responses thus far.
Keep in mind this is for a person-to-person loan, NOT a dealer purchase. I wouldn’t dream of trying to buy a car at a dealer. Besides the obvious legal reasons, they are a complete rip-off.
May 30
Do people actually max out credit cards before filing chapter 7 bankruptcy? If so, can they get caught? and how?
What are some of the new bankruptcy rules?
May 30
1. Life isn’t fair, but it’s still good.
2. When in doubt, just take the next small step.
3. Life is too short to waste time hating anyone.
4. Don’t take yourself so seriously. No one else does.
5. Pay off your credit cards every month.
6. You don’t have to win every argument. Agree to disagree.
7. Cry with someone. It’s more healing than crying alone.
8. It’s OK to get angry with God. He can take it.
9. Save for retirement starting with your first paycheck.
10. When it comes to chocolate, resistance is futile.
11. Make peace with your past so it won’t ***** up the present.
12. It’s OK to let your children see you cry.
13. Don’t compare your life to others’. You have no idea what their journey is all about.
14. If a relationship has to be a secret, you shouldn’t be in it.
15. Everything can change in the blink of an eye. But don’t worry; God never blinks.
16. Life is too short for long pity parties. Get busy living, or get busy dying.
17. You can get through anything if you stay put in today.
18. A writer writes. If you want to be a writer, write.
19. It’s never too late to have a happy childhood. But the second one is up to you and no one else.
20. When it comes to going after what you love in life, don’t take no for an answer.
21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don’t save it for a special occasion. Today is special.
22. Overprepare, then go with the flow.
23. Be eccentric now. Don’t wait for old age to wear purple.
24. The most important *** organ is the brain.
25. No one is in charge of your happiness except you.
26. Frame every so-called disaster with these words: “In five years, will his matter?”
27. Always choose life.
28. Forgive everyone everything.
29. What other people think of you is none of your business.
30. Time heals almost everything. Give time time.
31. However good or bad a situation is, it will change.
32. Your job won’t take care of you when you are sick. Your friends will. stay in touch.
33. Believe in miracles.
34. God loves you because of who God is, not because of anything you did or didn’t do.
35. Whatever doesn’t kill you really does make you stronger.
36. Growing old beats the alternative – dying young.
37. Your children get only one childhood. Make it memorable.
38. Read the Psalms. They cover every human emotion.
39. Get outside every day. Miracles are waiting everywhere.
40. If we all threw our problems in a pile and saw everyone else’s, we’d grab ours back.
41. Don’t audit life. Show up and make the most of it now.
42. Get rid of anything that isn’t useful, beautiful or joyful.
43. All that truly matters in the end is that you loved.
44. Envy is a waste of time. You already have all you need.
45. The best is yet to come.
46. No matter how you feel, get up, dress up and show up.
47. Take a deep breath. It calms the mind.
48. If you don’t ask, you don’t get.
49. Yield.
50. Life isn’t tied with a bow, but it’s still a gift.
2. When in doubt, just take the next small step.
3. Life is too short to waste time hating anyone.
4. Don’t take yourself so seriously. No one else does.
5. Pay off your credit cards every month.
6. You don’t have to win every argument. Agree to disagree.
7. Cry with someone. It’s more healing than crying alone.
8. It’s OK to get angry with God. He can take it.
9. Save for retirement starting with your first paycheck.
10. When it comes to chocolate, resistance is futile.
11. Make peace with your past so it won’t ***** up the present.
12. It’s OK to let your children see you cry.
13. Don’t compare your life to others’. You have no idea what their journey is all about.
14. If a relationship has to be a secret, you shouldn’t be in it.
15. Everything can change in the blink of an eye. But don’t worry; God never blinks.
16. Life is too short for long pity parties. Get busy living, or get busy dying.
17. You can get through anything if you stay put in today.
18. A writer writes. If you want to be a writer, write.
19. It’s never too late to have a happy childhood. But the second one is up to you and no one else.
20. When it comes to going after what you love in life, don’t take no for an answer.
21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don’t save it for a special occasion. Today is special.
22. Overprepare, then go with the flow.
23. Be eccentric now. Don’t wait for old age to wear purple.
24. The most important *** organ is the brain.
25. No one is in charge of your happiness except you.
26. Frame every so-called disaster with these words: “In five years, will his matter?”
27. Always choose life.
28. Forgive everyone everything.
29. What other people think of you is none of your business.
30. Time heals almost everything. Give time time.
31. However good or bad a situation is, it will change.
32. Your job won’t take care of you when you are sick. Your friends will. stay in touch.
33. Believe in miracles.
34. God loves you because of who God is, not because of anything you did or didn’t do.
35. Whatever doesn’t kill you really does make you stronger.
36. Growing old beats the alternative – dying young.
37. Your children get only one childhood. Make it memorable.
38. Read the Psalms. They cover every human emotion.
39. Get outside every day. Miracles are waiting everywhere.
40. If we all threw our problems in a pile and saw everyone else’s, we’d grab ours back.
41. Don’t audit life. Show up and make the most of it now.
42. Get rid of anything that isn’t useful, beautiful or joyful.
43. All that truly matters in the end is that you loved.
44. Envy is a waste of time. You already have all you need.
45. The best is yet to come.
46. No matter how you feel, get up, dress up and show up.
47. Take a deep breath. It calms the mind.
48. If you don’t ask, you don’t get.
49. Yield.
50. Life isn’t tied with a bow, but it’s still a gift.
most women i know love this, what do you men think?
May 29
I have two credit cards. I’ve been paying them both early and above the minimum, and my credit score has been steadliy rising. I’m just wondering if it’s better for me to pay off the card in full every time or to pay far above the minimum each time?
