Pre-paid CREDIT CARD?
Question:
hi,
i'd been asking for ways to payment a US item through credit card, but i don't have one...
i hear from someone that there are call prepaid credit cards?
is this possible?im from the philippines ans i'd like to buy an item contained by US
Answer:
I do not know about Phillipines but within Europe it is possible. You first pay the money and later they give you the creditcard.
Visa and Mastercard provide prepaid credit cards. I don't know where within the Phils. they would sell them. I can report to you that malls, some grocery stores, and places where you can currency checks (other than banks) usually sell them within the U.S.You purchase the card for a given amount and the balance go directly to the card. You can use these cards for online purchases, paying bills over the phone, and purchasing everyday items where Visa or Mastercard is official.
If you have a wall account near substantial balance, you apply for a DEBIT card which works similarly to to a credit card except that past you make purchases from the DEBIT card, you call for to have sufficient set off in your guard account.
Though prepaid credit cards resemble debit credit cards greatly, the two are vastly different. When you use debit cards for any purchase, your shopping will be automatically debited from your edge account. On other mitt, the purchases made with prepaid cards are deduct from the balance present on the card.
The prepaid cards proposition various benefits resembling:
Interest-free purchases
People with a fruitless credit history are eligible to apply for a credit card.
The credit limit vary according to the balance available on the card.
look on file for pre paid credit cards only make sure its a secured site next to a little lock on the bottom of your eyeshade
What is the best process to establish a virtuous credit history?
Question:
Answer:
Credit score is base on a number of factor which include debt to income ratio, timeliness of payments, and length of credit.
A maxed out card will hurt you as the percentage of used to open credit is also factored surrounded by.
Late payments will sink your score.
The longer you own an open credit vindication, the better. They can't really tell what type of credit user you are if you start on and close accounts constantly. If you can establish a good, steady history near one or two cards over a few years, you will be in upright shape.
Have a credit card and pay it every month. Pay bills timely.
yes, yes, yes compensate those bills on time, conspicuously, car report, and credit cards. Do not exceed your debt to income ratio either.
First, don't do things that will hurt your credit: don't fashion late payments, don't buy stuff you can't afford, etc.
Then do things that will assistance: get a credit card and use it prudently, paying it off surrounded by full every month (actually carrying a balance won't hurt your credit as long as you sort the minimum payments, but paying the interest charges is just stupid). Get a vehicle loan on a car you can afford and bring in the payments. etc.
Will paying stale my credit card and closing the story bring my credit mark down?
Question:
If I close the account after payoff?
Answer:
Yes - It will probably lower your evaluation. You want to pay it bad, but leave the rationalization open. Lenders close to to see several open and live accounts on your report to show that you have some financial restraint and you can form responsible decisions and be trusted near credit.
The ONLY time it makes sense to close an narrative its if your report actually states that your credit profile have too many accessible revolving accounts OR if you have a behind schedule payments and are planning to dispute them.
Paying it off is okay, but closing it will bring down your mark because your debt to credit ratio will decrease. Keep it unambiguous and use it occasionally so it it stays in moving status and the available credit will help your credit evaluation
Paying off the symmetry is okay. Closing the account will lower your percentage of availble credit-the biggest component of the FICO ranking which will lower your FICO score.
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Look. You are asking the WRONG questions. Why are so freaking haunted with your stupid credit evaluation? You only have need of one if you plan to be in debt for the rest of your natural life. My recommendation is to close ALL your accounts to strange charges, then return with about paying them ALL bad. That would make you DEBT-FREE. Then you would own something much better than "good" credit --- the ability to spend, collect & give w/o have to make a bunch of payments every month. Pretty soon, beside some reasonable prudence, you could grow MONEY in piles. I promise, it is a much more comfy premonition to have MONEY to cover emergencies/big purchases than to fret in the region of my credit score. Your credit "score" have NOTHING to do with whether you are in actual fact winning financially. Please budge get a copy of Dave Ramsey's "Total Money Makeover" or "Financial Peace" books so you can obtain over this obsession near your credit & get a financial enthusiasm!
Maybe you can try below website to get the information. It's something like credit card articles for your second opinion
How do a character clear up in that debt?
Question:
How do a person receive good credit .
Answer:
Just product sure to make your payments in good time and your credit score will gain higher and better..
pay them or consolidate them and rate them.
Um pay it. After paying your debts it while lug a while to build your credit back up. Be merciful.
Depends...you want it quick or slow? Quick. profile for bankruptcy. Slow. Pay past its sell-by date your debts. Be a secured Credit card with a low shorten...and buy and pay rotten with small items...resembling $20 or so at a time. something easy to remuneration off.
It doesnt issue how much debt you have or how much you spawn. What really counts if you want to be debt free is to have total control of your spending.
I've hear of people making 300,000 a year and still do admin to lose there home, cars, etc. Spend learned.
1. get rid of adjectives but 1 credit card.
2. when ever you get a arbitrariness, paymore than the minimum
3.cut back on spending, buy smarter.
4. use brass, you'll see how fast the change disappears
5. buy what you need single
6. contact a debt consultant (there are free advisors)
The website below has a few interesting articles that will answer your put somebody through the mill
I have placed this surrounded by the source box. There is a wealth of information within and a great free debt management software program. I bookmarked the site as I return to it recurrently for the advice it offer. I hope this helps you.
Step-by-Step Credit Repair Guide: Bad credit can frustrate your hard work at getting a credit. Hence ensure you keep your credit report verbs. If there are any errors contained by the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but significantly rewarding. Though law recognize and protects your rights, it is your duty to remove any anomalies
First, you need to purchase a 3 contained by 1 credit report to find our where you're credit score/rating is.
Second, once you are armed near your information then you entail to form a battle/payment plan to correct your credit issues.
You can learn how at http://www.thecreditrepairmanual.com...
Is it really that unpromising to turn insolvent?
Question:
Thanks to cridit cards, my monthly expenses are about $400.00 a month more next my income. Jan. 1st. I just spent the ultimate of my savings... I dont know what else to do but stir bankrupt
Answer:
First, cut up your credit cards. Keep one, that is to say pay as you dance in suitcase you need to purchase things that really require one.
What are your assets? You may be able to gain a loan.
Sell those things you may be paying on, cars for one, and retire the debt. That can free up more money.
Contact the credit card companies, often they enjoy debt forgiveness. Often the majority of what you owe them is actually interest.
There are assistance companies that can comfort you. Some advertised, some not.
Avoid liquidation. Things have changed, and you will still be required to retire your debt. There are option, but the black mark will remain on your credit rating for 7 years. Not worthy.
Good Luck.
Your credit is probably already shot, so call the Credit Card companies, and give an account them you're either declare bankrupcy or working something out with them concerning payment arrangements and a hold on the interest.
consolidate! It wont hurt your credit nearly as much as collapse! I consolidated and in a year I will be debt free and my credit evaluation will still be around 700 or more.
Oh MAN! Don't do it. been near done that. claiming bankruptcy does nto clear adjectives debt and for years you have to hang on to track of your credit report and make sure adjectives debts are cleared. It will still be your responsibilty to clear all the debt. Not to mention that liquidation stays on your credit for 10 YEARS now. I did it surrounded by 1999 and it has haunted me ever since.
If you can win with a debt couseling company try that first. Your credit is adjectives you have so try and accumulate it before taking what seem like the confident way out. Anything you try and purchase down the road; vehicle, house or even getting a cell phone is checked through your credit. If you own a bankruptcy your probability of getting these things are lower and if you do the interest rates alone will get you.
I yearning you the best and truly hope you don't have to step through the mess of courst and all that involved beside bankruptcy!
I honestly do not cogitate so because I, myself, am probably going to resort to this as well. I hold tried Credit Card Settlement services and though they have be helpful and hold helped me settle some accounts lawfully and all so I can not acquire sued later on, these credit card settlement places can be pricey and near my income dropping considerably in 6months which is out of my control, I wont be capable of save up the final $18,000 I necessitate to get out of credit card debt. I at one time feel guilty and ashamed but after watching a family contestant go through it and reading tons of stuff online and researching it, and knowing it is better for my kinfolk to take the personal hit because they can not be in motion after my husband, I decided it is probably going to be what I do within a few months as well after I return with some other stuff paid sour so I dont have to enumerate as many accounts.
It is a tough outcome, I know. I even went to a Bankruptcy advocate for a consultation and for personal reasons I be told to wait till May to record but he assured me they could not come after my husband because all accounts are personal and not pooled, my house is safe, my coup¨¦ is safe.
So I will be taking the collapse path by summers closing, I am sure.
Dont be ashamed if you do, you know in the Bible it even said that every 7 years adjectives debts should be wiped outyou are not a fruitless person for doing it, you are not sinningyou in recent times fell upon hard times.
Before doing collapse, do credit counseling (which is now the law), or really form a budget, cut out adjectives excesses, and slowly pay bad your debt.
Slow payments are better than bankruptcy, and beside new bk law, you have to do everything above first earlier you can pay an attorney to folder bankruptcy.
Only folder bankruptcy if you total debt is greater than your annual income.
I assume that it probably is bad. I haven't individually done it, however am in more or less the same boat as you. I'm more resembling about $600 contained by the hole every month. My husband and I don't know what to do either. We own a daughter and just found out we are expecting again and don't hold health insurance. I do however enjoy faith that God will bring back us through anything if we just hold faith. We too will not enjoy money as of now to compensate Feb bills, but our credit rating as of now is really fitting and I wouldn't want to ruin that. Can you maybe go some stuff or get a portion time job on the side to clear up the extra? We've been trying to trade stuff on ebay and it's helped so far. Good Luck and I will pray for you.
I involve to know too
Yes. Bankruptcy is bad. If you are $400 short per month, you should consider selling some stuff and/or getting a part of a set time job to supplement your income. $400/month isn't insurmountable. You can do it!
The other entity you can do is look at your monthly budget and cut anything that is not completely necessary. If you want some detailed information on how you can get hold of out of debt without going down the collapse or credit counseling (they look bad on your credit too) routes, check out www.daveramsey.com.
Dave Ramsey have an outstanding, simple path to getting out of debt. I craving you the best of luck in getting out of this sticky situation.
from what you own said, your credit is probably already shot. IF you have have a lot of slowly payments, and some cards maxed out/over the limit, liquidation would probably be your best avenue. Check with credit counselling and see how long it woudl pinch to pay rotten all the debt. If it take anymore than 3 years, bankruptcy would be your best bet. Good luck on this
yes. because going in receivership only fixes the problem. It doesn't cure the symptom
What is the best mode to concordat near credit card companies.?
Question:
I have several credit cards and am have some difficulty paying them. Some of them are late. I enjoy met with a financial consultant and developed a plan to capture out of debt. What is the best way to communicate this next to the companies. I have written a missive and have sent it, but looked-for other thoughts as well.
Answer:
Explain your situation to them. Credit card companies would a bit you pay small amounts for a longer time of time than get nought at all (declaring collapse for example). The worst thing is to cold-shoulder them, then they go your debt to another company that charges outrageous interest
If you have met near a financial consultant, they should communicate with your creditors, not you.
consolidate your debts to one credit card company. after never use your credit card. burn it. close the account but consent to the company know that you will continue to manufacture payments until its paid stale. use only change. oh... this company must have a extraordinarily low interest rate. this company must also be a local financial institution.
It's important to gain something in writing from them that they acknowledge the reality that you are attempting to right the situation... Usually most companies will suspend finance and slowly charges if they know you have a plan.
I know they did for my son.. He have one card that agreed to a balance verbs.. he put everything on that one card.. they agreed to a reduced interest rate and he only have one payment. Then I bought him a two of a kind of scissors.
Maybe you can try below website to get the information. It's in the order of credit card articles for your second opinion
credit card info here various bank's credit card details chechout this
My fico mark?
Question:
my fico score is 574 is that impossible & how can i inprove that scorethx
Answer:
It's not good. To remodel it you must pay bills prompt and every time and don't have your credit cards maxed out. Both postponed payments and how much debt you have effect the credit mark.
Visit the below website for some excellent suggestions
While taking a decision on your loan approval, your lender will determine your credit evaluation. The most common scoring method used is FICO score. These ratings are usually used for determining your eligibility for mortgages.
574 is pretty bad!
Credit? How to attain and get by it?
Question:
Well I don't know a THING about creidt. I've be told that people won't confer you credit if you don't have any, and that seem to create an unlogical paradox that states nobody will ever get credit! Can someone clear things up for me?
Answer:
greatly of companies are handing out credit cards to students, or infantile people newly old ample to have their first credit card. take care the creidt limit you find. keep it low, a even where your monthly income exceeds the closing date (ie-a credit card with a spending cut-off date of 500 dllrs when your monthly income is 1000 dllrs is a good belief, that way you will never spend more than you engineer.). now, contained by order to build credit you must--
1-spend money on a credit card
2-pay monthly payments, but don't neccisarily compensate the entire balance rotten each month. credit is built by showing your competence to manage finances and consistently budget yourself to trademark monthly payments.
3-pay attention. the biggest mistake that people habitually make is forgetting nearly their credit cards. it seems stupid, but you move or somehow misplace a statement...save track. not only will sending delayed payments, missing payments or forgetting about a credit card cost you even more money (late fees, etc...) but it will ruin your creditand while it can lug a while to build good credit, it is much more time consuming, costly and difficult to repair it. and contained by case you don't know, trades (credit cards, mortgages, loans, etc) stay on your credit for 7-10 years. very soon, this does not count from the time the account is open. if you opened a credit card surrounded by 2000 and carried a small balance on it unitl 2011, it will still show on your credit report. very soon, say you settle up it off contained by 2012 and close the account. it will be 7-10 years from this point that it will be cleared from your credit. this is whether it is a refusal trade or not.
--it is possible to get credit. and it is smart to set off with something close to a cell phone to ensure that you are responsible enough to compensate bills monthly.then verbs to a charge card for a store you might like (ie-a deptmnt store), this can be fitting because you cannot use it anywhere you wish, similar to a visa or mastercard...and they usually have student credit cards avail next to min limits of 500 dllrs...work your bearing up...but BE CAREFUL...credit card debt snowballs and gets worse and worse until that time you realize it...
You can start by obtaining a store credit card, but it's far-reaching that you manage your debt and salary it off every month. Credit can be terribly dangerous. You will have need of to have be employed for a decent length of time at one place (minimum is probably a year).
The easiest method to obtain credit and build a credit rating is to is to place utility bills contained by your name and to sort sure you pay your bills on the dot. For example, phone bills, electric bills, gas bills etc.
Do anyone no a loan shark within illinois?
Question:
please email me 2 msfattygirlcat@yahoo.com
Answer:
This is a joke, right? Just progress to a pawn shop!
Credit Card Scavenger?
Question:
I had a credit card from sandbank of america which had 2000$ charged to it. With adjectives the interest rates jacked up and the overlimit fees I was contained by a never ending cycle. I stopped paying on it, it go into what I call 2nd celebration collections and now BoA wrote the card bad (They told me on the phone). Now I have some rabble bag calling me on my cell phone while I am at work clich¨¦ hes some paralegal in NY, and they are going to report arbitration papers yada yada yada. For the FULL amount the amount charged plus all the interest and postponed fees which total 2,688$. He even began to bash my opportunity. I told him I dont have time as I am the commissioner on duty at my work place, He then told me "Well how busy can a Gamestop be, I own a 360, then told me not to fake to him" Asked to speak to my manager, but I am my own negotiator. Scavenger? and should I be worried? I mean associates have resembling thousands upon thousands I have individual 2k.
Answer:
Well the "paralegal" has made a couple violation against the law. Legal threats, personal attacks, and contact by cell, newly to name a few. You involve to get yourself informed NOW of the FDCPA (fair debt collection practices act)!
How infirm is this debt? Is this debt within your state's statute of limitations? Have you received any written communication from the Collection agency (CA)? Who is the CA? Are they reporting on your credit report? If so, How are the reporting (minus instinctively identifiable information IE account number)?
You want to send the CA a request for proof of this debt; mail certified mail return getting requested immediately. You are intitled to a full accounting of adjectives monies their alleging you owe. It's obvious by the violation already made they are more than willing to receive more. I suggest staying off the phone beside them if at all possible. If it's impractical to screen your call ; record the call if it is legal to do so surrounded by your state.
Was this their first communication with you? If so, they hold 5 days from first contact to submit communication in writing or to be precise an additional despoliation.
These violations are sueable within court for a max of 1K.
Just because you only owe 2K doesn't niggardly they won't try to sue. I have see CA's sue for as little as $100. They've already made some crucial errors that if they did try to file, once you know the FDCPA and KNOW for yourself which law were violated, you could database a countersuit for their blatent disregard to the law.
You are unproblematic prey for this guy and small prey at that. Ask for a settlement and be done with it.
First, you should write a notification advising this collection company that they cannot phone you and that they can only contact you by communication. Also the letter must be notarized.
If you want to swot up more then stop by:
http://www.thecreditrepairmanual.com...
Good Luck,
I get a merchandise credit card from A&F...what is it?
Question:
Ok, i know it might sound dumb...but uhh. yeah. i get a merchandise credit card from a&f from someone..aaand i dont know what its used for..PLEASE HELP ME!
Answer:
a merchandise credit is issued when you return something without a reciept. it can be used as a endowment card.
Oh. My. God.
You should have read what you be signing! You could have signed your entire vivacity away! I suggest you get that contract and read that word for word to see what you get yourself into.
kinda like a offering card i guess
it's just a bequest card.go to the store and buy something.
Any private lenders that concord beside unpromising credit loans?
Question:
I need a loan to cover my conservatory tuition and I do not have a credit-worthy co-signer.
Answer:
Have you file a FAFSA? You could try prosper.com as a last resort.
I am Mrs jane zick, I m a registerred lender, i issue out both short and long etrms loan to public individuals, within categories at an affordable interest rate of 5%, any one iinterested should as capably apply for a fast and reliable loan service, we issue out the bes to our clients. Contact our service via email:jane_zicklenders@yahoo.c...
With adjectives the credit companies and such having problems the diploma are getting tighter to borrow money from reputable institutions.
Go to your school and check into their student assistant programs for loans, grant and work-study programs.
When I went to arts school I didn't have a co-signer. I get a GSL (guaranteed student loan) through my local credit union. It be deferred until I graduated and next I had to earnings it back.
You can also catch a part-time duty to help wage the bills.
If the lender will accept your desperate credit history or no credit history, don't sign with them. Generally that lender will charge a deeply high interest rate along near many disguised fees and charges.
When you say discouraging - how bad? Pioneerlenders.com have student loans and you can have a co-signer or not. The vocabulary are pretty good. You can see, if they can aid.
You can try to get a student loan or admit.
I am Mr Wesley Davis, a private lender.I am a goverment approved and certified lender.I do offer loans range from personal to industrial loans to interested persons or companies who are seeking financial aid at a flexible interest rates sometimes as low as 5%.Why should you die insilence when you have an opportuinity to clear your dept,start or boost your business near a loan from my firm.so apply for a loan now.
Interested people should contact us via this email address
wesley_lendingfirm@yahoo.com
Bad credit is one of the worst problems to have... however at hand exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I have to do it again I would pay to some minor details,
if someone requirements to get out of debt today it is pretty smooth with a debt consolidation plan, however it may win a bit tricky at times, I suggest you get as much information as possible online on this first,
a well-mannered place to start in my humble view is astraight to the point ebook with give somebody the third degree and answer I found :
http://umgarticles.atspace.com/debt-cons...
if it helps gently remember me in your voting!.. cheers!
When you proclaim something online is credit card and debit impossible to tell apart entry?
Question:
Like if it says pay cheque with credit card can that penny-pinching debit too?
Answer:
Yes it sure is the same article. Just watch yourself and be sure you're giving your information to a reputable company, not one that will hold billing you and never send you what you've ordered.
Whether online or within a brick & mortar store, the big difference between credit and debit is:
Debit: pay in a minute, we immediately repeal funds from your account
Credit. You fetch a charge and pay at the appendage of the business cycle. You can accrue interest charges if you don't pay adjectives your charges.
Debit Card withdraws money directly from your checking sketch. I personally wouldnt use a debit card to instruct online, you have more protection when using a credit card.
Like the others own alluded to...
When you order something using your "debit card", the amount you authorize is deduct directly from your bank vindication...same as if you wrote a check.
When you order using a "credit card", you are next "charging" the amount you authorize, payment is deferred until the running out of the present billing period and you are charged an Annual Percentage Rate (APR) for the privilege of charging your purchase.
Yes, it is matching. Every bank is different,some bank issue two cards:a credit card and a debit card.If you have single one card and have any logos on it such as visa or MasterCard and will be using it online it'll be one and the same as a debit but will take in the region of two days till it appears on your statement. When using the card as a debit in any store, they will ask you to touch within your pin number and it will deducted rotten your balance hastily.
Credit card works in such a instrument where the amount is deduct from the card, but the bank pays the money upfront for you first after lets you settle on when you want to pay up near charged interest.
Debit card, however does not allow you to deduct from the card if here is no money in the dune.
When you order something online, you can use both debit card or credit card. As long as at hand is Visa or Masters stated.
Yes..as long as the debit card has a mastercard or Visa logo on it AND you hold the money in the edge.
how do you attach money from your earnings buddy reason to your credit card?
Question:
...
Answer:
i dont know if you can do it with paypal but you can do it next to moneybookers, you could send the paypal money to your moneybookers narrative and then do it
Get a PayPal debit card and you won't own to, it will be there automatically.
Hello: You cannot , unless the card is a Debit card associated to your checking acct. You then do a Request funds, give funds to your checking acct. The money takes approx. 3 days, after its in your checking acct! Regards, Lisa
Anyone get a student overdraft next to Abbey?
Question:
when i finish Uni do i have to compensate it back hastily or can i pay within instalments?
Answer:
I had a hefty overdraft next to Abbey after 4 years studying! As I recall, my overdraft remained interest-free for the first year following graduation and they solitary asked me for a minimum of lb10 a month repayment. Not a bad operate at all! Good luck beside your degree :0)
Good request for information. I am finishing uni in a few months and never though of that..
i be with HSBC and they consent to me keep the overdraft but it be no longer interest free, and they reduced the amount of the overdraft every year until I didnt have one any more. Suggest you ring and ask them. I doubt they will expect you to take-home pay it back hastily