Jan 25

Credit cards?

Credit Cards 8 Comments »
credit cards
does anyone know if i cancel a credit card would it hurt my credit score??? i tried canceling my credit card a while ago and they told me if i canceled the card it would hurt my credit score because i have had that card for 3 yrs now. Is it true or is it just a scheme to get me to keep the card and not cancel it?????
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Jan 19

What can creditors do to you for non payment of credit cards?

Credit Cards 3 Comments »
credit cards
If someone is unable and doesn’t make payments on several of their credit cards, what can a credit card company do to you? Are they able to take your car? Your home? What is the most they can do to you?
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Jan 19

How does the cashback work on credit cards and debit cards?

Credit Cards 3 Comments »
credit cards
When I use my debit card at the store, it asks if I want like $0, $10, or $20 cashback. How does cashback work? And how would this cash back procedure work on a credit card?

Should I take a cashback amount when using my debit card? I see other people in line in front of me using their cards and when ask if they want cash back, some of them press no on the key pad.

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Jan 17

Credit Cards?

Credit Cards 8 Comments »
credit cards
I have applied for a credit card over the phone. The lady said it takes about three weeks to process it. Does it really take that long? I thought it would be faster if you called it in.
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Jan 14

If I combine 2 credit cards, will it hurt my credit score?

Credit Cards 3 Comments »
credit cards
I have 2 cards from capital one that I use every month, but pay off every month. One has a credit limit of $500 the other is $1200. If I call to combine the credit limits into one card will my credit score suffer since one account will be considered closed? Or will it remain the same since the limit will not change.

I am planning on applying for another credit card with a higher limit to improve my score, and I don’t want a lot of cards. Thanks!

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Jan 05

Does it hurt your credit when you consolidate credit cards into one?

Credit Cards 4 Comments »
credit cards
My husband and I are interested in buying a home but we would like to consolidate our credit cards to make things easier. I heard this can damage our credit score, then we won’t be able to buy a home when we are ready.
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Jun 01

About how much of the credit score is lowered if I cancel my credit cards?

Credit Cards 4 Comments »
credit cards
I have about 15 credit cards and I want to cancel about 8 of them…I hardly use them and it’s been hard keeping track. I know it’ll lower my credit score a bit, but does anyone know how many points?? How do I get those points back later?
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May 29

What’s the best way to pay off credit cards?

Credit Cards 8 Comments »
credit cards
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?
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May 28

If someone is frauding credit cards on the Internet in another Country, who do you report it to?

Credit Cards 1 Comment »
credit cards
He is committing credit card fraud on the internet on people’s credit cards in the United States while residing in Sweden. His business is located in Florida, but he was deported & uses his business partners to ship for him overseas while stealing idenitys of people here. Who would have authority to have him caught using the Internet to commit fraud?
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May 24

Credit card application denied? Having too much credit limit?

Credit Card Applications 2 Comments »
Credit card application
I signed up for a credit card from Charles Schwab but got denied. I’m wondering if it’s because my credit line is too big in the other credit cards I have right now? I have two other cards, for a combined credit limit of around $8500. I’ve just graduated from college, but I always pay my bills in full. My credit score I believe is in the low 700’s.

is Charles Schwabs just being a biatch? cuz I thought everyone can sign up for a regular credit card without problems nowadays.

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