Apr 13
credit cards compare
I recently graduated college and was unemployed for several months afterward. My savings, etc, quickly ran dry, and I began carrying a credit card balance to live. I’ve begun working (finally), but my credit card balance is quite high now. The interest rates on my two cards range from 11.9% to 16.9%.

I’ve just finished paying for my car, so I now own it outright. The resale value is fairly high. I think I can get a personal loan through my bank to pay off my credit cards, especially if I use my car as collateral, at a rate of 8.9%.

I’m sure these compound differently, but I just don’t know enough about it to compare the costs. So, three questions:

1 – Would it save me money (in interest) to pay off the higher interest credit card balances with a personal loan through my bank?

2 – Is it wise to use my car as collateral?

3 – Does a personal loan “look better” on a credit report, compared to credit cards with high balances?

Thanks in advance!

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Apr 10
credit cards compare
I had some things happen to me, and depending on my cards for a while. I am only 1,750k in debt, which is really nothing compared to a lot of people. I am living on my own trying to save save save, and get rid of my credit card debts. I am wondering exactly what I need to say when I call the companies. I don’t want to get bullied around, and I have never done this before. I only have two cards. I know the steps, but I dont know what to say when I call. Thanks in advance!
wizjp.. I have a full-time job and I make plenty of money. I had a family emergency and wasn’t able to work for about 6 months. I am not that much in debt, but I cannot pay it all off at once. I go to school full-time and work full-time, I can’t get a part time job!
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Apr 08
Best Credit Card
I’m developing a website for a jewelry company, and I was just wondering what would be the best way for me to integrate a credit card payment system? Preferably the cheapest method, as well, but money is not an issue. I know there are sites that would allow me to set up a cart system, basically, but I wanted to know what would be the best one. Thanks in advance!
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Dec 05
Credit card application
is being submitted for review. Does that basically mean I was denied because the other times I applied online for credit cards (twice) I was approved right away. I’ve never seen a message like that.

Thanks in advance

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Aug 24
credit cards
I have credit cards that have small balances on them, but I don’t want to keep up with having to makey my payments every month because I am quitting my job in 3 weeks and I will be moving back to my hometown to go to school full time. Will it hurt my credit if pay off my credit cards but leave them open. I mean, I’ll eventually use them again but since I’m not going to be working and I’ll be going back to school full time I thought it will help if I pay them all off, but I don’t want this to hurt my credit… what should I do to maintain a good credit score? Any advice would be wonderful! Thanks in advance friends!
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Jun 23
credit cards
I am currently a college student with 2 checking accounts (Wamu- 3 years & BOA- 1 year) and 1 credit card (Citi- 1 year). I have always met the requirements for my checking accounts and paid all my credit card bills on time. As for loans, I do have about $10,000 of student loans in debt. I was wondering if it is okay for me to get another credit card. Also, many say that having a lot of credit cards are bad for you. What is the reccomendation of how many bank accounts and credit cards should I have so that my credits would not go down? Thanks in advance!
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May 22
credit cards
stupid question but just wanted to know if there was a way to pay for something with PayPal when only credit cards are accepted. Thanks in advance for the answers.
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Feb 01
credit cards compare
Hey guys I am 15k in debt right now. I make the min payments each month and they never go down. I recently contacted a Consolidation website and they said that they could get me debt free in 5 years, compared to the 15 years it would take me if I didn;t go through them. What are your thought on these programs, are they worth it, are they good? Please help me. Thanks in advance
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Jan 10
Credit card application
Earlier this morning I filled out a credit card application for American Eagle and Old Navy clothing stores. I just realized that I put the wrong date of my driver’s license expiration date on them. I put 9-18-07 and it actually expires on 9-13-07. I thought I knew it by memory but obviously I didn’t. What will happen now? Serious answers only please. Thanks in advance!
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