Be very careful about credit card payments
Posted By: IIt happened to me! on 2007-09-14
In Reply to:
I just paid off my Visa to the tune of over 7,000.00. This was what was posted but did not take into consideration the interest charges put on- I got a bill for $1.50 so I thought ok will send that in, I was a day late- (no excuse, just overlooked) and they had put my interest- get this from a low 10 to 117.16 for that month- now what would happen if I owed a REALLY BIG amount- I would never get that paid- how it worked out was I owe them now $15.59 which I think will pay before time. Just be aware, folks! These folks are ruthless....
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Have U renogiated credit card debt when minimum payment got too high? Do they take your card away,
s
Why does closing a credit card account negatively affect your credit report
Especially when I never use it anyway, and really never wanted it?
With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...
So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.
Huh?? Why is that?
Credit Card Reform Can Cost Good Card Users
Part of article:
Credit cards have long been a very good deal for people who pay their bills on time and in full. Even as card companies imposed punitive fees and penalties on those late with their payments, the best customers racked up cash-back rewards, frequent-flier miles and other perks in recent years.
Now Congress is moving to limit the penalties on riskier borrowers, who have become a prime source of billions of dollars in fee revenue for the industry. And to make up for lost income, the card companies are going after those people with sterling credit.
We pay off our balance every month. If they do this (punish those who have sterling credit) Ridiculous!! I'll stop using my CC and pay by cash or check.
So much for reform.
Credit card (SM)
There was information about credit cards and interest rates going around late last year/early this year. Basically, from what I understand with the new bankruptcy law this was attached to it. The credit card companies can and will charge you and me whatever interest rate they want to, and the only thing we can do is cancel the card and pay off the balance. There were these little inserts with your statements that many of us just throw away and never think about it. But I did read the ones that were sent with several of my statements, and I kindly told them to keep my rate where it was and I canceled the card. Sad but true. 
About my credit card
I owed close to $10,000.00 about 2 months ago on my credit card and called to make sure I sent the right amount as paying it off. After I paid in full, they also sent a "finance charge" for around 35 to 40 dollars. I paid that but have discontinued using that card. I have another card, used during Christmas, interest about half of the other one and getting that paid off before long also, just sent $500.00 towards that yesterday. I on the first had asked for payoff amount but the finance not there when I asked.
credit card
I've not had personal experience, but I know to be wary of some of those companies that advertise. I saw a financial advisor on the Today Show and she said to make sure you go with Consumer Credit Counseling; maybe there's a link on the Today Show website. Good luck!
Pay off our credit card
And with the little we'd have left just put it in the bank
credit card debt
Not sure what will happen, but I do wish you luck. Credit card debt is an unsecured type of debt. I don't know what more they can do to you other than a judgement. Not sure you can put that under a bankruptcy either once the judgement has been placed. I know a lawyer that handles a lot of bankruptcies -- did some work for him. He always asked his clients if late payments had gone to judgements. If they had not gone that far he was pleased about it. I guess it made things easier legally. Not really sure.
I use my credit card!!!! Priceless!
Actually it was an expired one. Hubby laughed. I use Dawn Power Disolver in the blue bottle. Works wonders. Then IF I have to scrape I have used the credit card of course, but fine metal spatula or a razor, but I use one of those like you scrape paint with that has the handle like an ice scraper.
Did anyone's credit card payment any go up
seems chase is changing policies on their credit card holders. charging 10 service fees if you want to keep your promotional rate. also doubling minimum payments. Didn't they have financial problems in 2008?
The credit card companies are going
to be do everything they can get away with in the next year because of the new rules that will go into effect in 2010. Keep an eye on your interest rates. I have a couple that went up for no apparent reason. I called them immediately. One company lowered my interest rate below what it had previously been. The other did not, and I paid it off and did not use it for a while. They sent me a notice a recently that my credit limit had been increased and the rate had been reduced (back to what it had been previously, of course).
The link below has a synopsis of the new rules that will take effect next year.
Nope. Usually, we use the credit card...
just because it keeps my husband and myself from seeing how much was spent and where until after Christmas (we both frequently check the bank account online). This year, though, the one positive thing about my husband being in Iraq is that I did not go crazy with Christmas like I usually do and I explained to all the extended family that I was not buying much for anyone except my son. Thus, no debt this year, although we always pay it off fairly quickly. I think the highest my credit card has ever been is $700.
Not so much by unknowns but by my own credit card companies,
all foreign people, trying to sell me the credit protection. The last one called me for around 10 days straight (unknown # on the ID)until I finally answered! I told them all to put me on THEIR "do not call list" or I'd cancel the card. Seems to have worked. ;)
To restore credit, get a card that is pre-paid and use that
s
best cash-back credit card?
We've been using the GM card to get new cars for less, but i'm open to a different card that rewards general purchases, food, gas, apparel etc, with cash back. Any recommendations? thanks!
credit card debt relief
Does anyone have any experience with those companies claiming to reduce debt by up to 70%, etc. ?? I'm drowning in debt. :(
Credit Card Debt Counseling
http://www.cccsatl.org/index.asp?_method=view&sc=43&cn=486&md=debtmanagement
Here's what you want to use... It is called Consumer Credit Counseling Services. They are legit. Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office. I don't know what state you're in or if there is an office local to you, but it looks like you can do this online.
We did it, completed it, and it was great. However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then). Once you join, there are no more credit cards. What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked. You then make one lump payment to CCCS and they disburse the money. They also take into consideration your income. I think that's what makes it all work. Also, this is what tells them how long it will take to pay off the debt. Just beware though that if you are "behind" on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won't accept CCCS's offer.
Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance. We make regular payments.
All in all, it's a great plan and it does work, but you no longer have credit cards (they close the accounts), and you will have a "bad mark" but yet a good mark on your credit report for using CCCS. Check with them about that though, as I do not know the specifics. It is way better than bankruptcy...
Hope you find some relief soon! My thoughts are with you... I'm not judgemental because I've been there and done that. 
Credit card Washington Mutual/Providian
Get this, I haven't used my Providian/Washington Mutual credit card in quite awhile. I got the new credit card in the mail to take over for the old one, and I thought I would give the company a call to find out what the interest rate was on it. So after reaching India of course, I asked for someone in the United States, was put on hold for 4 1/2 minutes and then disconnected. So I call back, go through the 15 prompts and get someone from the Phillipines. The interest rate on my card is 31.8% Yep you are reading that correctly - 31.8%.
I am passing this information along because I am livid at the fact that the interest is 31.8% (which, by the way, neither person on the other end of the phone said "let's see what we can do to lower this.), and because TWO countries have this credit card's business and people in the US are working 2-3 jobs to make ends meet. I know this has been an ongoing discussion about offshoring, but I was more angry at the fact that it is 31.8% and that no one offered to lower the rate, even after inquiring about it.
OMG! I worked at a hospital where the ID badge was credit card
Yes, I totally understand! It is easy to get caught up in the moment and you think, oh, it is only a few dollars. Lunch would be more than I really could afford because I'd charge it. And the bargains at the gift shop (yeah, right!!!).
Could you get a loan from a low interest credit card perhaps to pay off the 2500?
credit card debt lawsuit question
If there is anyone out there who has been sued and had a judgment placed for credit card debt....
What happens when you go to court?? I don't own a house and live week to week (part-time IC, not very supportive husband) so they can't get blood from a stone so to speak. But I was wondering if anyone has gone to court and what actually happens.
credit card debt lawsuit question
Anyway you can declare bankruptcy, chpt 7? I am going that route. :(
Do you have a lot of monies owed where bankruptcy is a real possibility?
I'm going through a similar time......talk about stress!!!!!!!
DH paid off credit card. Now I'm paying him back. No
nm
I hope you got her arrested for credit-card theft
*
There is a free version of Efax that does not require a credit card. sm
Are you needing to fax out, in, or both? You didn't clearly state, but said you needed a number. I receive faxes for free through efax, but haven't sent any that way. Never have I given them credit card info. Check out myfax.com.
This happened to me with a credit card, bought a printer and they never charged me for it on my stat
All of a sudden my card was canceled and the amount sent to the collection agency. They said I knew I bought it and should have sent in payments, even though it never appeared on the statement.
3 payments....sm
I was in contact with them and didn't ignore them but at the three month point there was no hope. I had tried a payment arrangement a few months before and was able to do half of it, but I kept getting in deeper and eventually just couldn't make any payments. I don't know your situation, but try seeing if they'll work with you. Even after I missed the payments they still went higher up to see if they could do something else (they couldn't) b/c they have been getting so many voluntary surrenders of cars recently. Good luck.
Tell me why you are behind on payments and you don’t want husband to know
Are you the one responsible for certain bills- was the money used for something else, just why?
Not always true about minimum payments - sm
One of my kids was seen in the emergency department last April and we didn't get a bill for the visit until September. The outstanding bill was about 800.00.
As I have always done in the past, I made payments, no less than 100.00 per month to get it down. Along with the second statement in October was a letter from the hospital stating that we would need to choose one of three payment plans.
1. Payment in full.
2. Two installments for half of the balance each time.
3. Apply for a credit account at 18.9% interest.
This was definitely something new and I ignored it. There was NO way I was going to choose any of those three when I have always done as I was doing, making payments of no less than 100.00 per month until the balance was paid off.
Guess what.... when the balance was down to 200.00, they turned it over to collection. Yep. Turned it over.
Be very careful.
IMO a card would not be out of order at all. Except a sympathy card, of course.
I totally agree a sympathy card wouldn't quite be the thing, but it sounded to me that the original poster of that idea didn't mean a sympathy card like one for death. I think sympathy in the sense of "hey, you had a rough time of it with this birth, and maybe things haven't been the way you imagined, but know that I'm thinking of you and I'm here if and when you need me."
I got PPD when my breastfeeding relationship didn't go right, following a birth plan that went seriously awry, and the reality of a fussy, picky baby instead of the happy, sleeping one that I had imagined.
I *did* spend a lot of time on the phone, but then everybody's different. I would have loved to get a cheerful card from a friend, however. Does anybody NOT like a card?
When looking at the two options, the monthly payments were much higher
if buying, I mean by double in many cases. Also, my husband knows the car dealers where we bought, and they were the ones actually explained all of it to us and why most of them lease! I'd rather pay under 300 a month forever than pay 500 or more a month for 5 or 6 years for the same car. Yes, you may not have car payments for a few years but what are you really saving based on the above? Plus, NO repairs and always having a brand new car. Some even come with free OnStar and satelite radio for a year, and other perks like that. Oh, I've bought many times in the past; and for me this is just a much better deal. To each his own.
So send $2 a month. You will be making payments
x
if insurance falls through start making payments NOW
I'm not trying to jinx you, but in the event you make too much money to qualify for insurance, you can start making payments now to the hospital and an OB for care and labor/delivery. I am due May 8 and even though we have insurance (kind of crappy insurance) it is still a butt load of money for an uncomplicated birth. We started making monthly payments from the start to the hospital and the OB so it wouldn't be so bad all at once.
Also, if you do qualify for Medicaid and WIC (and this is your first baby like me), take advantage of any covered birthing classes and educational classes. I have taken classes and learned so much! It takes the stress off a little bit when you know what to expect. Good luck!
Be careful...
My hubby had one, we had one boy, then got a suprise of twins, neither of us ever wants more kids. My hubby is terrified of needles, doc, etc. also. I thought it was a mutual decision, but found out two years later that he feels like I forced him into it and I hate to say it was such an issue with him that we almost split up. So be careful about making the appointment for him. He needs to be fully on board for it!
On a better note, my hubby had no problems, or complications. I was in the office with him for the whole thing, that made him relax more I think.
Be careful what you wish for.
/
You have to be very careful with
the bamboo. Obviously this person found some good stuff, but if you Google bamboo flooring, most people find it is ruined with scratches the first day. So if you want bamboo, I'd find out this brand and check it out in person too. The bad stuff is so soft you can scratch it with your fingernail! It is kind of logical that it would be soft since it grows so fast.
Good luck!
Please be careful
Our local news did a special report on the damage those kinds of flea control products can do to the nervous system of cats in particular. A young, healthy cat can probably handle it, but older cat or those with health problems are at risk.
I used to use Advantage on my dog but since he is mostly an inside dog I hadn't had to use it for a while. About a year ago he had some fleas so I used it on him and he was sick for three days (he was 9 years old then). The vet checked him out thoroughly, blood work, urinalysis, fecal tests, everything normal. The only thing that was different was that I had used the Advantage on him about 24 hours before he got sick.
There is a link below to an article which discusses this issue.
be careful...
Avoid the Humane Society. If you are afraid of the neighbors now, you have no idea what you are in for if you involve the HS. They will go after them for leaving the dog out to be in the street and then all you know what breaks loose. Leave a note that their dog was struck but don't sign it. The dog needs to be checked out for internal injuries. Don't implicate yourself. It was an accident. Go easy on yourself but protect yourself too.
Please be careful
I know unfortunately from experience this is a very difficult situation to be in as I have been in similar relationships in the past. While it is hard enough to get away from situations like this when alone, I know having children involved makes this even more difficult. What your husband is doing is definitely abusive to you and your children. In my opinion, he does not deserve you and your children. My heart goes out to you.
I hope you can find the courage to safely and secretly talk to someone at a domestic violence shelter. If you do decide to seek help from someone there, please be sure there are no traces of you contacting them either on the computer or otherwise. I wish the best for you and your children. I'll be praying for you to make it through everything okay. Speaking from my past experience, there is hope for a much brighter future without him in your lives. Also, hopefully if it goes to court and you explain your side, he will have no chance for unsupervised visitation with the children. If you do go through with leaving him, it may be necessary to move to keep you and the children safe. When you decide to, I think the safest way would be through a domestic violence shelter. Keep your head up. I hope everything works out for you.
Be very careful.....sm
I live about a little over an hour from New Orleans. That is a crazy place, especially at Mardi Gras. The crowds will get so bad you can get stuck in the crowd and cannot move. Just be careful.
Be very careful what you say sm
They will record you and play it back. I emphatically stated I did not want the service, could not afford it, my records would show I did not need it. I offered to keep my own number, pay as I went, bought $100 worth of minutes good for one year and I am into it 6 mos. at more than half left. I was paying $60 per month. They balked at first and they threatened to play back my agreement, I told them to go ahead as I had not agreed to anything but canceling. They sent me a new phone, said I needed updating,which would have automatically bound me into another year. I sent the phone right back, called them, told them I would keep my old phone, my old # and would do the $100 for a year or I was done with them. I am very happy with my old phone, my same # and the hundred dollar plan for a whole year.
Be careful...
IF you have to file they will ask about change in names on anything you own. It will throw up a red flag. It might be best to leave your name on the land/car, etc than make them think you are trying to hide something. I am so sorry you're dealing with this. If you have to file, the world doesn't end, I know from experience.
Be careful
Don't overdo the fat-soluble vitamins A, D, E, K.
The amount over what your body can use does not just 'pass thru' - it gets stored in fat and can potentially cause toxicity. You'd be better off taking a calcium supplement and doing some light weight lifting or weightbearing exercise.
Happy MT is correct, vitamin D helps your body absorb calcium -- with one minor correction - sunlight doesn't help your body metabolize vitamin D, it actually is how the body produces it, but we all know you can go overboard with sunlight, too. There's a thread about this from the last week or so, someone asked a question about whether you can get the UV that produces vitamin D thru a window -- the answer is NO. I posted another link about vitamin D there, but in the meantime, here's a good one:
http://ods.od.nih.gov/factsheets/vitamind.asp
oh well, then I have to be careful, thanks!...nm
nm
Be careful when responding!
I'm not saying that the OP is anything more than someone trying to make interesting conversation, but there are lots of little innocent looking surveys on the 'net that Phish for your passwords. Since our emails don't show up here, I'm not really concerned, but I've seen this on MySpace, and I know phishing happens a lot on MySpace. Lots of folks use pet names or former pet names as passwords. The same goes for name surveys that have you do "fun" things like surveys asking you to find your porn name by putting your street name with your mother's maiden name, etc.
By the way, my pet's name isn't on the list!
Yep, be careful, dear...
I had a similar experience with a dentist when I was in my mid-20's. He wasn't that good-looking, I was married, and not therefore not tempted, but he did make personal, complimentary remarks when I went into the office for a check-up on a Saturday when his staff wasn't in. My first impression (even back then as a naive and young 22-year-old) is that probably he just wanted to see how many of his female patients would "bite." (No pun intended.) But...if he is not married, and you're able to go into this with a skeptical eye, see where it may lead...expressing wanting to get to know you better is pretty flirty, to my thinking!
Be careful having it dyed
We had our family room rug dyed, and instead of a light rose color, we ended up with a hot pink capet. This was supposed to be a reputable company.
Careful, Misha. sm
He seems laid back now because you're in the 'honeymoon' phase. He's a husky, he's lulling you into a false sense of security! LOL Just kidding. He is a handsome boy and looks very sweet.
I might have missed it - you said you're fostering him, right? Is it really just fostering, or will you be adopting him (whether you intended to or not - that's called failing fostering 101, and I have done it *twice* myself! LOL)
Big brother needs to be careful
I sincerely hope your son didn't run wants/warrants, DL, car registration, LEADS or anything else on sis's boyfriend. My sister is a deputy sheriff, and if she did anything like that for a personal reason, the sheriff would have her badge in about 2 seconds flat. That is a major no-no and one of the first things they learn if they work in the radio room.
Be careful of the color of the tea...
my dad drank about 1/2 cup of diet coke and he had to go back the next day for the test....they said it had to be the coke causing it to be too dark inside...but that was for a colonoscopy.
I think people do need to be careful with that
I think there are a mixture of factors contributing to addiction. Yes, I have seen studies that relate addiction with genetics or slight chemical differences in the brain (took a class on addiction). However, having grown up with addictions in almost every member of my family, I think it can SOMETIMES (IMO) be dangerous to tell someone who is an alcoholic that alcoholism is a disease. In may case, may family members said "see, I can't help it! It's a disease" - ignoring the fact that they have at least some control in the matter, unlike someone who has cancer. I guess the best way to describe it is a mixture of both, sort of like the nature v. nurture argument. The reality is probably that it is both - related to biology AND choice.
If you have kids you have to be careful sm
This is an issue they will never forget, not ever, so be careful you don't accuse him in front of them. Make sure you do it in private. I would copy the note and show him the original (just in case he rips it up). Work it out without getting anyone else involved. If you don't have kids and it's not true, you will laugh at it for years. There are lots of nuts out there and you never know. I would have to show it to him. My thoughts and prayers are with you, as I have had friends who have had this happen, either by phone or in person and everyone loses, everyone. Don't make yourself sick over it, dig for the truth, perhaps it's just a jealous coworker rearing his/her ugly head. Don't wait for it to go away by itself, it will only fester and make you sick. Good luck with everything, come back and let us know how you do.
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