Is www.chaoticgames.com free?
Do you have to wage or it is just free? My sister like it very much and you hold to sign up if you want to play the games and my parents think you hold to pay and chaoticgames are trying to trick us. So is it free? You don't enjoy to pay next to credit card or check or cash?Answers: Sure it's free they want you to buy the cards.
Will it affect my score if i cancel credit cards that i have accumulated through the years that i don't use
Answers: It really depends on how many cards you have, what your credit limit is and what your balances are.
The reason for this is that it changes your debt to credit ratio which makes up for 30% of your score.
Say you have 10-cards with $5,000.00 limits and balances of $2,500.00 on 5 of them your debt to credit ratio is 25%.
If you close the 5 that have no balance then your debt to credit ratio jumps to 50% and your score goes down anytime you usage goes over 30%.
On the other hand if you have no balance on any of the cards, it should not affect your score, the history will still show you will just lose the credit limit.
If you do close some of them try and close the newest ones first since the time accounts have been open also counts.
Yes.
It will negatively affect your credit score.
A big part of your score involves how long you have had credit. So if you have had the card a long time - that is a good thing. It shows that you have been responsible with your credit -when you have a long term relationship w/ a credit company and your account is in good standing. When you cancel it, that reduces the amount of time you had credit.
Your score also looks at debt to available credit. So, if you have 2500 in credit card debt (total all cards) and 3 credit cards with a limit of 5000 each (15,000 available) - your debt to credit ratio is 16.6%.
If you cancel two of those cards - your available credit is 5000 and your debt to credit ratio is now 50%.
If you can - catch the Suze Orman show on CNBC from time to time. She will get questions like this and can explain it in an easy to understand way.
For some reason yes it does. Cancelling cards lowers your total credit score. If you aren't using them just cut or shred them.
What is the job description of a credit controller?
Answers: Credit controllers have the financial authority to accept or reject credit applications. In extending credit to businesses, credit controllers review financial reports submitted by the applicant, interview representatives of the businesses, and review credit reports to determine the records of the firms in repaying debts. When extending credit to individuals, credit controllers rely on personal interviews, credit bureaus and banks. Although it is not necessarily the duty of credit controllers to formulate the hire-purchase contract (it is usually the task of executive level credit managers in co-operation with other top managers to formulate company credit policy) they must be able to interpret the legal terms and requirements to clients. In some large organisations, credit controllers may be responsible for establishing a credit policy.
They must also ensure that the contract is correctly signed by both parties.
Credit controllers have to check all accounts on a monthly basis. They must frequently contact customers who are unable or refuse to pay their debts. They do this through writing, telephoning or personal contact. If these attempts fail, credit controllers may refer the account to a collection agency or assign an attorney to take legal action.
Although the work of credit controllers are not physically demanding, the mental strain of dealing with figures, ascertaining liabilities, taking calculated risks at times and dealing with difficult clients, can put great strain on them.
accountable for credit approved.