Is there any credit cards that are INTEREST FREE for a small period of time?
Answers: Yes there are.
No a credit card with no interest rate?
That is called Santa Clause
if you want small interest rates the sooner you pay.
I don't want people mad but please think before you get in these jams. oh yea I keep forgetting there is an Obama and Hilary mentaliity that seeming to make sence to people. I have nothing againstt these people. But if you want to make a little monety onm the market. Think gang. I am not a political figure. I am not into that I jusat want to earn some money here. these guys will not make it for you. I am fine with these people. But it looks like people are not using your heads (I am done with that lets move along)
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Does your credit combine beside your spouses when you win married?
Or is it from that day forward your credit as a married couple begin?Answers: Depends on where you live. If you are surrounded by a Common Law state (Like Washington, New Mexico, etc.) than when you get married, your debts become one. Since some states own this mindset, while a select few do not, the major credit agencies enjoy sided with the Majority and hold incorporated the two scores into one. You will enjoy your own score, as will your spouse...but, since you two are essentially one income, next to common debts stemming from your matrimonial (house, car, etc) than your previous credit woes will ALSO be included into each of yours' credit evaluation.
So, if one spouse has horrible credit while the other have excellent credit, than one score will ascend while the other descends. In the closing, though, it works out as the two of you are both applying for the same credit-required items. So, even if they didn't do these corrections, it would average out to these numbers anyways. This is why these credit agencies are making the money like this.
The rub here is that if a divorce ensue, than you will still have those credit woes of your spouse on your credit report...even though they occur when you two were not married.
For example: My sister married a guy who, at 18, have his car repossed. He be young and stupid, and be in the Navy, so he freshly stopped paying his bills when he went on deployment. My sister, be 14 at the time. They met 4 years later and be married within a year (yeah, straight out of lofty school...but thats another topic altogether).
Just as you adjectives can imagine, the matrimonial didn't work. And even though my sister was solitary 14 when he had his vehicle repossed, it is still on her record. She petitioned to enjoy it removed and they would not allow it. She resides in Washington, and be married in Washington.
It is what it is though. I wouldn't recommend NOT marry someone simply because of their credit score.BUT, if you be looking at getting into a house...it would likely be wiser to amount out what each of you enjoy for credit scores. If the two are enormously different, than perhaps you should look at the home loan BEFORE nuptials, when the one credit score is the extreme. This might help to moderate your overall rate. Then get married.
You transport good and bleak credit into the marriage. They combine the household income when calculating the loan.
Isn't Hillary basing the subprime blame on borrowers and lenders when technology is really at fault?
Answers: Borrowers and lenders are to blame for the subprime mortgage crisis. Many borrowers did not understand the terms of the loans they took out, and they thought their lenders were trying to help them, which was often not true. The borrowers should have educated themselves, but most didn't. The general public is woefully ignorant when it comes to finance, and the lenders took advantage of this fact.
Regarding your theory about technology: Computers have made certain jobs unnecessary, but that can be said of many inventions. When automobiles were invented, people who made horse-drawn carriages were no longer needed, but people who repaired cars were needed. The industrial revolution also created a huge shift in employment. Technological advances shift employment, but they don't lead to unemployment. Blaming technology for this problem is incorrect.
I don't know how you can blame technology.
The technology (computers) only does what we tell it to do.
If you borrow more money that you can reasonable expect to pay back, how is that the technologies fault?
Of course the blame falls square on the feet of borrowers who borrow more than they can afford and lenders who wrecklessly lend to unqualified people. Basically this is a direct result of people making stupid financial decisions and taking no accountability for them. Its not just Hillary blaming subprime borrowers and lenders, its just about all of the candidates on both sides of the aisle.
You make a stupid financial decision, its YOUR fault. Not a computer. Take some accountability.
And exactly how is technology responsible for people buying bigger houses than they could afford and lenders extending credit to unqualified borrowers?
The subprime problem is based on GREED.
Nonsense.
We've yet to invent a machine that borrows more than it can afford.