Is it possible to receive loans in need a credit card?
Question:
I assume that I can't get a loan for a house or a saloon if I have not established well brought-up credit which would require a credit card. I am currently studying surveillance and the increasing fusion of business and government via background sharing/sale and I resent the limit to my freedom i.e. imposed on me by requiring that I leave a trail of my transactions! I'd approaching to avoid getting a credit card if at all possible. I'm sure I can find ways to work around this issue if it turns out that I am required to own one but I still do not feel comfortable near it. Someone will probably argue that if I do not make suspicious purchases I will be fine even if the rule decides to access my information records but I do not necessarily get the impression that this is correct. However, it is a very involved topic and I do not own the space or the desire to put the discussion here. So - is it possible to get a house or a coup¨¦ loan without a credit card?
Answer:
cosigner or colossal enough down sum
Yes you can get loan beside out credit cards.The credit system looks at all your payments and your score. Try increase your credit scores amend your livestyle by Stephen Snyder or( www. increaseyourcreditscores.com)
yes possible get unproblematic loan from worldwide banksit's help you hope.call on
http://www.freewebs.com/getyourloan...
Yes but it also depends on your credit. If you have low or poor credit you must apply for a fruitless credit loans they are easy to procure in overnight case you have alow credit.
Here are abundant compnies offering bad credit loans. No event how poor/bad is your credit you can apply for loan,
http://badcreditsloans.blogspot.com/...
I found some good info here.
credit cards?
Question:
What is the best credit card and what bank it is,which one you prefer visa,master,amex,discover and what does it propose?
Answer:
The answer to that question will change from person to individual and depends upon your needs and your credit rating. You enjoy to research the cards and banks and ask the question that matter to you. You can normally negotiate a lower interest rate, for example, than the one initially offered, and some people can capture a lower interest rate than another person because of their credit rating, the amount of debt they are carrying, etc.
The above source is upright. I would check out Wachovia credit cards as well. They usually win the top rating for best credit card respectively year.
all 4 own there advantages
I use AMERICAN EXPRESS, DISCOVER, MASTER CARD, and VISA
Best credit card is citicard, accurate interest and high rewards
progress here to compare the credit card
http://www.bestcreditrates.net
visa or mastercard official most places. citi chase or highest rebate cards. example 5% bread back on gas drugstore.
Maybe you can try below website to return with more information. At least you will get hold of more inside before making any decree. Its' about credit card articles
Assuming you're planning to use your credit card close to cash and wages off the harmonize every month, then you're really looking for the card next to the best rewards. The card with the best rewards for you will depend on your spending profile -- to be exact, how much you spend in a range of categories similar to gas, groceries, restaurants, etc.
An easy passageway to find out which card will pay you the most rewards for your spending is to use the calculator at http://www.creditcardtuneup.com/... .
If you find two cards near equal or about equal rewards, after I'd give a slight nouns to visa and mastercard over amex and discover because they are the most widely accepted cards.
Did you here abot Insatnt Credit Cards?
Here is roll of credit card compnies offering zero joining fees and not anything annual fees. Check there offer and select which one is best for you,
http://creditscards.blogspot.com/...
Here's a good inspection
just step here and see what they offer http://www.bestcreditrates.lattice
I perfer Citicard, it offers 5% dosh back
Debt free?
Question:
Is anyone trying to live debt free? I mean really trying. No using credit cards, paying sour your house early, etc. I'm not doing it but I don`t know I should. Is it even possible?
Answer:
I have be living debt free for about 3 months very soon. I last used my credit card to take-home pay for my state inspection and to buy my parent's anniversary gift. It's a great response because I can mainly use the money for me in a minute and to save for the adjectives. Believe me, it is possible. But I only use my card for emergency. I know my parent's anniversary gift does not nouns like an emergency, but I be on International Star Registry and named a star after them. It be a good price for everything you draw from, and I know they will love it. This gift will final FOREVER.
Use credit wisely. Credit card debt s/b compensated off asap. If you verbs to allow outstanding debt, you'll find it hard to payoff the loans near the high rates of interest on credit cards. A home mortgage at a low rate of interest is prudent use of credit.
Try as we have, we are not debt free. We do not own credit cards, and did recompense a home off up to that time I was the age 21. It take a lot of extra payments towards the principle, but it is possible to retribution off any loans rash. I will say use wariness with too rash of a pay bad, because some banks if truth be told look at that as a credit minus, since they will not gain 15-30 years worth of interest from you. This happened near a car loan, and I be disappointed. But that may have be specific to that banks transactions.
I do not look at it as living debt free, because I am a business owner, and near will always be monies needed to reinvest into the business, as economically as payments for new equipment. But those are assets, and can be equalized within depreciation values at the end of the year.
But I am trying earnestly to stay ahead of the spectator sport when it comes to debt. I don't make any unreasonable purchases, and when it is time to splurge and spend for voice vacation, or grant purchases, I have already placed money surrounded by an account ahead of time for those occasion.. such as a Christmas savings fund specifically paid into over the year and close to the Holidays, at hand is an extra 2000.00 that wasn't frivolously spent through out the year.
It is certainly possible. You have need of to have a plan of commotion. Once you put your plan together, don't deviate from it. Only make purchases you undeniably need. Avoid consumption out as much as possible. When you get extra money, put it toward reducing your debt. Attack your unbeatable interest debts first. Once you pay bad one, add that amount to your other debts. If you verbs, you will be debt free before you know it. It will be gratifying once you see the fruits of your labor. Set up a time frame surrounded by which to pay rotten each debt. You can pay cheque off your mortgage rash by paying extra on your mortgage every month. If you only compensate one more mortgage recompense per year, you will greatly decrease the amount of interest remunerated. The cost of credit is great. You will pay double or even triple the purchase amount by financing your purchase. You will hold much more money if you save and foot cash. When you are large laden near debt you are a slave to the debt master. Cash is always the best agency to go.
If I compensate stale adjectives of my collections, how long beforehand I see a difference surrounded by my credit rack up?
Question:
I read an article that said that first time home buyers should not atteempt to pay rotten old collections because it make them more recent, however, I just remunerated off some of my collections on my credit report. Was that the correct article to do? Please help.
Answer:
I would similar to to assume that a paid collection acct is better than an unpaid one. Paying a collection shouldn't "reage" the commentary, it should only update your report as remunerated as of such n such date. I'm not sure about the credit gain since silly things effect it for what seems to be no function. Like when a collection account falls stale of your credit after 7 years your score can travel down. You'd think the different would happen.
This happen to me sort of. I had profoundly of unpaid collection on my credit report and I paid it adjectives off and it definately made me look better. When the latest creditors looked at my account they could see that I made the attempt to settle it off. My win went up correctly soon after I got a small loan and a credit card and made regular payments. The honourable must outweigh the bad on the report. Hope this help a little.
It depends on the history of the debt collectionsthere is a statue of limitions on debts.for md, va, and dc it's 3 yearsif u compensated off feeble debts outside the limitation it can devastate your credit..
Can I hold on to a couple of credit cards when file chapter 13 ruin?
Question:
I would like to hold on to 2 of my credit cards but don't know if they allow this under the chapter 13 law. I know that when filing on your credit cards they close after you remunerated them off and I would at lowest possible like my Sams credit card and Providian to stay open during this process and continue paying on these two in general. I am not sure if they will allow this. Any adivce?
Answer:
I don't think you can do that. When you profile for bankruptcy, they pocket ALL debts under your SSN no event if they are joint accounts. This happen to me when my sister declared bankruptcy. Her and I be joint statement holders on a credit card, and when she filed for liquidation, even though I was the primary side holder, the account be still closed because she was a communal card holder and it was beneath her SSN too. So I seriously doubt that you can keep any accounts instigate after filing for liquidation.
As long as your payments are up to date on the cards, there won't be a problem.
Bank of america raise my interest to 32% what can I do?
Question:
options when a credit card company raise rate that is incredibly high
Answer:
WOW! You know, I thought I have an awesome APR at 10% when I was getting unsolicited offer for 18%, but 32% is just plain userous! Odds are that you've missed at lowest possible one payment. You should revise to live within your medium and perhaps assuage off of the credit. If you reward off in-full and in good time, you won't have to agreement with the cost. You can try to call BofA and try this...
(1) Gather adjectives the preapproed offers you've received within the mail. (When you bid your companies to ask for a break, you need to know how to tell them who's offering you a better operate and how much better it is.)
(2) Have a rough idea of how advisable a customer you've been: how long you enjoy had the card, how much you charge a month or year, how much interest they're earn each year on your business, and whether you settle on time. When you've get it together, you can proceed.
Call the toll-free customer service number and ask or a lower rate... calling and asking for a lower rate results in a narrowing 56% of the time -- and a substantial reduction (1/3 of their current rate) at that. Here's a marks to follow when you call. Begin beside:
"I have [name of card] beside you and my interest rate is [X] percent. I received another offer within the mail from [other bank's name] for [X] percent, but formerly I take it, I want to see if you can lower my interest rate instead."
If the representative say they're not authorized to do that, you say:
"Look, you and I both know that if I verbs my balance today, subsequent week your bank is going to dispatch me an offer to come hindmost at an even lower rate. Why don't you just gather the bank the cost of that crack by giving me several points today?"
If the rep says it's impractical because your credit card is at a fixed interest rate, you say:
"Actually, that doesn't hold anything to do with whether or not you own the ability to lower my interst rate. A fixed interest rate one and only means that my rate doesn't exceptionally with fluctuations within the prime rate. In fact, the wall can raise it on my details at any time by just giving me 15 ays' written identify. And the bank can -- if it chooses -- lower the rate today."
If the rep still say they're not authorized to do that, you say:
"I'd resembling to speak to your supervisor."
Speak to a supervisor and ask again. Even if you get a substantial cut within the interest rate from the first person, it's worth speaking to a superisor to see if you can do any better. The character on the front line of customer service will be authorized individual to cut your rate by a preset amount (if at all). The customer service representative may also insist that the supervisor doesn't have the power to cut your rate any, or -- if you've already gotten a break -- to cut it further. That may not be true, so insist on speaking to the supervisor anyway.
Threaten to close your account. Let me be clear here: You don't WANT to close your tale. It won't do good things to your credit gain. However, if the bank believes that you're ready to close your account -- and you've be a profitable customer -- then you stand a better unsystematic of getting what you want.
Keep a record of whom you spoke to and what be said. If your promised rate cut -- or fee waiver -- doesn't materialize, afterwards you're going to need a daily trail to back up your story. Knowing to whom you spoke, when the beckon was placed and what be promised is key.
Transfer your harmonize. If you're not successful in reducing your interest rate over the phone, it's time to verbs your balance. There are two places to find correct balance verbs offers: your mailbox (the average party gets five credit card solicitations a month) and at websites, including bankrate.com and cardweb.com.
Holy smokes, that's a illustrious interest. Cant you approach other banks, to adjust over to one that has a lower interest.?
Well, you could answer the subsequent mail offering of a credit card beside all sorts of advantages (usually temporary) and discharge off the BA card beside that. No need to be polite,here. And you get the high interest by tripping over some small print that say they can do that to you if you miss a payment or forgot to shave today or something close to that. I would play one credit card against another. No Mr. Nice Guy here.
go to another wall and have them hold it over at a lower rate! that is ridiculous. I would look to wealth one if i was you. That rate is unheard of, even beside a horrible credit rating. You said that is HIGH? try OUTRAGEOUS!
this rate MAY be usurious, and possibly illegal. This could be a evasion rate for missing payments or being in arrears several times. Call the bank and ask why the rate be raised so soaring, and request consideration of a lower rate to what you were paying formerly. If that is unworkable, try to obtain credit at another ridge for lower rate and pay this loan past its sell-by date as soon as possible. Hope that helps.
Shop for a latest card that will allow you to transfer your be a foil for. It's a competive industry and you can probably do better.
You must have some perception why they raised the rate - missed payments, overdue payments, etc. If you don't know why, contact them and ask. If something doesn't sound right, check your credit report and find out if someone have stolen your identity and opening accounts and charging in need your knowledge. It's a possibility.
Are you aware that Bank of America is going to issue free-of-charge credit cards to those relatives who are in the United States unlawfully? Go to another bank.
Jesus christ you can borrow money from a loan shark for smaller amount than thatpay the dam card bad and tell em to stick it up their @ss ...my first credit card be 20% and i was an idiot so it took me forever to reward it off.mine immediately are like 3% 22yrs following and hell of alot smarter with 812 credit rating
okay, have you ever hear of "arbitration", just approaching they have the
right to see your rates, you have the right to arbitration,
what it is, is program surrounded by which a company with experience and
officially recognized backing(the legal protection is important) negotiates, or
arbitrates near your credit company to collecting an over all
lower amount than the one you owe, usually 40%, yes 40%.
they will also lower your monthly payments, as expected, the
credit card becomes useless, and your credit take a hit,
but it sure lifts the cargo off your shoulders. I used to work for
an arbitration company, and they could work wonders for
the average American contained by serious debt. check out this sight
www.adatoday.com its only an example, but try talking to
them, and they'll explain how it adjectives works, and how they can
help. Oh yea, in attendance are no strings attached till you
for sure, 100% agree to their help.
1. salary off the be a foil for
2. transfer the go together somewhere else, like to a different credit card company next to lower rate. definitely pick up you money ie. capitalone, hsbc, chase, citibank, credit unions, discovercard, AMEX, MBNA, Wachovia, Wells Fargo,
3. retribution, monitor, view your bills online and in good time, also theres autopay, automated system, advisor,
4. credit counseling
when a bank raise an APR to 32% that's the highest that any cc company is allow to charge you.
they label that decision to breed you pay it faster, and for them to build more money. it usually happens on accounts beside a high harmonize. good luck
There have to be a reason its that high-ranking. Even Bank of American immigrants would not tilt your rates that high unless you be a major credit risk. If you can not guess of any reason why it should be that large, open a alien card with a lower rate and do a harmonize transer to that card.
First of all, 32% is not outrageous if you salary late or dance over your credit limit. Bank of America states strongly surrounded by the terms and conditions that if you retribution late or travel over your credit limit TWICE IN ANY ROLLING 12 BILLING CYCLES, we may increase your APR to a erratic DEFAULT RATE of 32.24%. You paid behind time. All of you who think this is wrong should revise how to read and not be so credit-stupid.
Thats Crazy! MINE IS 32% also!!
I had two unsettled payments,and it skyrocketed. Im in duplicate boat as you. I HATE BANK OF AMERICA!
MBNA is part of dune of america... they just bought them out by the passageway. And they probably raised your rate because you've probably racked up your credit card, possibly you're even over your limit (or you be at one time). Also late payments on a regular principle or cash advance can raise it they enjoy the right to raise it when you get the credit card, they also inserted the print out of all the rates and what they are allowed and will do when you're slowly or over your limit... my suggestion to you is to learn how to read fine print... and if you're going to another hill... DONT go to income one... capital one starts out at 20% and single goes up from at hand...
credit fraud?
Question:
my bf had is ss card stolen a long time ago he be early 20s and did not enjoy a drivers licesne that person used it to bring one and has be driving around on a cdl .. then he get tickets and it was supended.. my bf have been trying to return with all this cleared up .. he is 30 presently and never had a driver liscens.. i go on line to verbs up his credit and that guy is also using his ss to get credit and not paying for it... we took out police reports and contacted the fraud division that the ss department told us.. and it has be months since then and nil.. what elas can we do..they guy has be in ga.. fl..ca.. adjectives over the us.. he never stays still
Answer:
You need to budge to the FTC site and fill out an self theft affidavit. You will also involve to file this will adjectives the credit bureaus. Keep all the police reports etc that you hold. It is very frozen to fight an psyche theft. I am currently helping 2 individuals right very soon in doing so.
It is a long and drawn out process that take time to remedy sometimes not even to the best of results. If you email me I will be glad to assist in any passageway I can do so.
heres the website for the FTC
http://www.ftc.gov/opa/2002/02/idtheft.h...
Unfortuanley your bf was a slacker to 10 years by not getting the card shut down next.
AND it takes ID not a CC to win a CDL . . . something is fishy in his story . . . perchance he's a con ? but if not. . .
He will have to be immensely persistent and nickname about 2 X a week to everyone until this is cleared up. Call SS for a exotic number repeatedly, when denied, ask to speak to a supervisor . . . he must be pleasant but persistent .
They will mostly blow you bad because they figure he is a slacker going on for his business if he does not come or call, they digit why bother.
He let this mold for 10 years, very soon it will take a long time to verbs up BUT it can be done. good luck
Does your credit mark step down if you run a credit check? If so by how abundant points?
Question:
Answer:
If you pull your own credit reports, it will be a soft inquiry which will not hurt your score.
If you apply for credit or ask someone (banker, car pusher, etc) to pull your credit, you will receive a unyielding inquiry which will hurt your scores.
How much it hurts depends on your current credit status, if your status is unpromising or if it is good.
For one inquiry, you could expect a drop from somewhere around a couple points on up to 7 points and possibly greater if your current credit status is very poor.
Depends on who runs it. If you travel to a car trader and they run your credit it's whats called a soft hit and doe's not effect your credit. If however they submit you to a sandbank, that's called a sturdy hit and doe's lower your score but with the sole purpose by a couple of points.
yes it does...
every costs because every purchase through credit does it too,
you lose a point for every check...believe it
Not if u do it your self..
What totally sucked was the reality that after college I had so much credit card debt that piled up and it be really affecting my credit score. I search around and tried a few of those debt consolidation sites but found that nothing that I tried really worked. I found this see *** site that helped me alleviate these problems and I want to share it beside you.I helped me out so much and I hope it help you as well.http://soo.in/7283/
Which hill surrounded by singapore offer interest rate for always upto 4% for fixed deposit of $1,000,000?
Question:
Answer:
No bank can offer a permanent 4% interest fixed deposit. Interest rate is other adjust accordingly to the open market. Fixed Deposit's interest rate is fixed in short residence only, such as 1 or 2 years.
Wow if you are looking to invest 1,000,000 over sea I think one on this website looking for answers is a waste of your time.
Marked money?
Question:
I had a few things to ask in the region of this one why would you have money mottled and if you ever wanted to spend it how would you do that and how can you communicate if money is marked or not and how long does the carve last and is near any way to acquire rid of it ? and do banks check if money is explicit or stores?
Answer:
Maybe if your bank is mortal robbed, you'd put one of those ink bombs in the rucksack when they're not looking, then the thieve can't spend the money. Do you mean similar to with ultraviolet, "invisible" ink? I've never see a store check my money, but at banks, they'll sometimes run a special sight over the bills to see if they're counterfeit.
What does 'credit card billing address' be a sign of ?
Question:
Answer:
It means: "What is the address that your credit card statement or bill get sent to every month?"
Some companies require that address as security to prove that the card is really yours when you use it online.
The address which your credit card company have on file and sends frozen copies of your account statement and bills to.
Credit card billing address refers to the address the credit card issuer uses to transport the bills to the cardholder.
The actual mailing address that the credit card company have on file for your billing. This could vary than your physical address, or shipping address, used for purchases made on line or by mobile or delivered elsewhere as a offering.
It is the address to which your credit card statement/bill comes to.
The address that the credit card company has on report for that card.
that is the address that adjectives your bills come to.
contribution cards vaild contained by Israel?
Question:
I have two nieces staying within Israel so I would like to bring back some
gift cards for Chaukkah for them but adjectives the prepaid
(American Express, Visa, MasterCard) gift cards I hold researched tells those grant card
are onlv vaid in the United states
any suggestions please? and by the method happy Hoildays!
Answer:
try of late giving them money in the israel currency. try giving your guard a call and explain to them what you wanna do and they might own some options for you.
no sure
Have you tried cantacting steimatzky (http://stmus.com/prod/) or tower store (http://www.towerrecords.com/) if they offer prepaid offering vouchers?
The jewish community of Philly has an extensive catalogue of companies/shops who deliver gifts in Israel:
http://www.jewishphilly.org/content_disp...
Building Credit Score from Scratch?
Question:
How can I build my credit score from mark if I don't pay any bills
Answer:
You own 4 alternatives
1. Get a secured credit card. Most have annual fees that band from $15 - $40. Make sure they report to the three major credit bureaus.
2. Get a sub prime credit card - disadvantages include illustrious fees and apr.
3. If you are a college student, get a student credit card. Most trunk credit card issuers have student credit cards. They enjoy no annual fee and will backing you build your credit history.
4. If you are not a student, Citibank has purely allowed people next to no credit history to apply for the Citi Platinum Select Mastercard. It has no annual duty and a reasonable apr. (check the resource below). This is probably the first card I would try to apply for.
Hope this help.
Get yourself a secured credit card and start from there.
Do you enjoy a checking account? Many bank will give you a small unsecured loan if you own banked beside them for a year or longer. A secured loan is another idea. That is where on earth you put say $500.00 within a savings report and take a loan out against that amount. Another piece you can do is have someone next to good credit co-sign a loan for you. What ever you do, if you catch a loan or line of credit is never miss a grant and NEVER BE LATE. Always pay in good time and you will have pious credit before you know it.
The standard answer to this interrogate is generally this:
Get small define credit cards
Apply for cards from gas stations and department stores
Get someone to co-sign on a small loan for you.
My advice...quit listen to these people who preach to you that "credit is evil"! You see, they couldn't manipulate their credit and they trashed it. So obviously everyone else is purely as incompetent.
So now, what you enjoy done is avoid getting credit. Thus you now hold no credit history, and no way for creditors to deem your credit worthiness. Therefore you have a zilch score.
Try visit http://www.lifeafterbankruptcy
>>Note to the Yahoo Police<<
This site is peppered beside the usual "buy by books" stuff and you may wish to consider me spamming this site. But it's totally loaded beside free and extremely helpful suggestion for building your credit back. I own no connection beside this site.
Here are some credit score doing very well compnies. You can check each one and find which one is fits your requirments.
http://credit-repaire.blogspot.com/...
Who is going into debt this Christmas ?
Question:
and if so why ?
Answer:
not me :) if you can't afford to spend, don't
Not me, not worth it
yup, kids demands, family , etc
It's a mugs winter sport going in to debt. You own to pay it support eventually !
not me.i dont do credit but i can understand general public that do.theres a lot of pressure to obtain expensive things.
Not me as i am not buying any gifts for anyone
and also not buying anything myself.
The petrol price rise has gone me and so many others near nothing much to spend on other things
Not me.
I purely got pay for from a trip to USA, got my grandkids presents near.
Half the cost of what they are here.
And if I could not afford it..I would not get them anything.
Aren't we adjectives?
It's too commercialised/pressurised (Christmas).
my whole people is in debt right in a minute, my dad was out of work from february to november.
my aunt almost have to declare Chapter 13
not a soul in ma fam have $ this year
small christmas this year
what do you mean..this christmas, its every b****y christmas, and every year i vote "never again"!!
Santa
Yeah just bought a first house aswell so can't be help but will get organised after christams!!
Not this year told the wife and ancestral we should all walk on vacation instead.
Me impossible to tell apart way i do every Christmas. Why because i don`t really own much choice .It`s either attain into debt to shop a check ,greenwoods and provident and pay them put money on weekly untill next christmas ,or see the disapointment on my childrens face on christmas morning and feel similar to scrooge when the rest of my family give us all pressies and i enjoy nothing to confer them.(not that they expect anything from me )
And this year will be even worse because i had an luck and still have to be on the sick .But adage all that it`s worth it of late to be able to travel out for a big spend and getting every one something nice makes me get the impression good ..
Happy christmas everyone xxx
Me - I am getting married on Saturday so hold had pretty much no spare currency for Christmas! The presents and food will be going on the credit card (however the interest rate is 0% on purchases for 12 months).
i am i do every year its just one of them things that most of us do its the solitary way you can do it and enjoy a nice xmas for your kids . its only once a year
Not me
Where can I shop online and retribution for items when they arrive in need giving a credit card #??
Question:
Answer:
go to http://www.ltdcommodities.com It suppose to be for businesses directly but adjectives you need to do is take home up a valid sounding business and presto, you have an side. I did this as well and you can directive what you want, they send the items to your house next to the bill and you have 10 days from date of unloading to send them a money proclaim. They have a bunch of cool s_hit and its cheap!! Good Luck.
No where on earth, sorry.
no where I know of. Cash on the tub head.
On ebay, they enjoy different options.
You're going to enjoy a real intricate time finding anyone that will ship things C.O.D. these days. Some retailers close to Amazon will set up a credit account for you, or will adopt payment via check or electronic check. What you should probably do is try getting a Visa grant card and using that to make your purchase. Also, if you own bad/no credit, you still can usually apply for a secured credit card in which you deposit an amount of money equal to your credit put a ceiling on. This helps build your credit text, too.
The only channel you can do that is to e-mail them a check or money order consequently when they receive that they will send out your charge but you usually have to bid their company to place your order.