If you are no longer using credit cards......
Posted By: sm on 2008-06-04
In Reply to:
i've had several credit cards throughout my time and all but four are paid off. i don't plan on using the other credit cards ever. they do show up on my credit report. i would like to cancel the ones i don't use, but i've heard that it looks back on your credit report. anyone else have info about this? i think it's a better idea to cancel the cards you will never use again because of the identity theft going on.
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NO more credit cards
I had a credit card with a high balance. I got a second mortage to pay it off. I called the credit card and got the payoff balance and my bank sent a check to them. I kept watching on line to make sure they got it and when they did I noticed that there was a $95 credit. So, I called and said how do I get my money back. They sent me a check and when I got it, I called and closed the account. This was about two weeks ago. Today I get a statement from them with a balance due of $45! Huh??? I called and they keep telling me it is a finance charge. I got pretty steamed and finally ended up saying that I would pay it, but no more. Well, I wrote out the check and put in in the mailbox, but I'm still stewing about this. If I still owed them money, why did they send me a credit?? What is the finance charge on if I had a credit balance? I suppose I will just pay it because they will only keep tacking on even more charges, but it is really bugging me. Has anyone else had any experience with this??
I will say one thing - NO MORE CREDIT CARDS EVER EVER EVER. REALLY. I mean it this time.
I think its credit cards...
The newspaper had an article the day after Christmas how people are defaulting on their credit cards all over the place. This added to the mortgage companies having problems with people unable to pay their balloon payments and the bad housing market, price of gas is sure to lead (the article said) to a recession.
When I was shopping I saw all the people with tons of things in their carts, DVD players, computers, etc. on Christmas eve. This was regular people at Walmart. I saw a lot of credit cards flashed around. Paying minimum payment will cause Christmas to cost tons more and they will be paying beyond the item's life which they purchased.
We went through this. We tried to sell our house, rented to own another and went broke in 3 months. After we had 2 house, fell back on credit cards the interest piled up and it was terrible! We moved back and are on a budget. So, I shopped without credit this year, and you know what? I had more fun. And I have 3 kids. Their things were simpler than the fancy things they got last year. The most expensive things we got were bikes because they are growing and we got those on sale. The rest were creative items. I am not saying that what we did is so great. What I am saying is that peeople are not looking at the big picture these days and if they do not use cash (as we had not in the past), they may not be able to pay their debt if hard times fall. In the meantime, grandpa sent my son 100 bucks, which I let him spend on a train set (I should not have let him do that he is 7) and he cried that his money was all gone and he did not want the train set anymore. I bet if I had him save some of it and had him buy simpler things, well I bet he would not have been crying. At least at age 7 he is learning that money is not easy to come by. And he is learning the hard way because I will not give him more money to replace what he spent. Sorry such a long message. It is just that we did not even afford an XBox, and I wanted a Wii myself, but we avoided all of that because in the end we learned that Christmas is not about credit cards, the junk it buys. I think the end of the cartoon the Grinch where the Who people did not even care about the presents was correct. Maybe we'd be happy with less things and more love. I don't know. This was not meant to be a sermon forgive me. We all have to learn what Christmas means to us and I say let people do what they want, consequences are always result of actions anyway. Just IMO. Happy New Year everyone!
If you are just talking about credit cards sm
If you call your credit card companies, they can set you up with a plan to help. I was in the same boat. Low to no wages and a very large hospital bill, plus household expenses.
I have 5 credit cards. Up until the hospitalization, I paid on time or paid more than the minimum, as I used to use them for work-related items.
Sadly, all were maxed out during the hospitalization and subsequent rehabilitation. Of course in the meantime, during the time I couldn't contact them, my interest rates went from 9% to 21-29%. I didn't know about their programs...a well kept secret. 
I'm still hurting, but now my credit rating isn't being dinged and 1 card is back down to 12%.
BUT, you must agree to pay the amount they set for you faithfully every month. If not, you lose the advantage. When you have a little extra, put it on the bill, even if it's only $1. I have the payments automatically deducted from my checking account. That way, I KNOW they're being made on time as I sometimes don't know one day from the next (if you know what I mean) and if I have extra at the end of the month, I hand write a check to one of them (preferably the highest amount of debt).
Don't need credit counseling. Just work with the companies themselves. It's a pain to make all the calls, but it's worth it. Good luck.
First, avoid credit cards, charging....
Try not to use plastic if you possibly can because you'll never catch up. Don't buy anything you don't absolutely need. Make do with food you can prepare yourself. Don't go out to eat. Don't be afraid to ask for help, not money, but help with children, etc., so you won't get stressed out. Most of all, don't let the kids see you depressed, they feel it and get scared. Google for help, such as making your own Play Doh, recipes, help with just about anything, you would be surprised at what you can find out. Just be careful you don't get involved on the Net with wrong people. I watch CNN or CNBC because I want to know what's going on, you HAVE to know so you'll be aware of changes coming. I don't own stock but I want to know what's going on with the banks, etc., so I can avoid making mistakes. Suze Orman said on one show that you should live happily in a shack rather than over your head. On another program, she stated she was building a new home in South Africa. I used to follow her lead, but now I only listen to her when it comes to paying off credit cards, otherwise she doesn't walk in our proverbial shoes. You have to be informed, even if it hurts. Making lots of mac and cheese. I think a lot of this expensive organic stuff is totally overblown. Don't use Starbucks when McDonalds will do; better yet, don't go there at all, stay home! Just my humble opinion, less is more, family is all that counts, don't scare the kids! Leave your 401 alone, it WILL come back, don't despair, it will repair.
Anyone who resorts to payday loans, credit cards or
paycheck advances should either find a better paying job or a second job. Crazy to borrow money just to live day to day. Don't bother telling me that I don't know how hard it is today to make ends meet....been there, done that then got smarter! What happens when you can't make the payday loan payment, credit card payment or you've taken such an advance on your paycheck it's gone before you get it?
Cancel the ID theft protection on your credit cards.
If you didn’t pay for it, you’re not liable for it.
Credit cards with 0 balance can also negatively affect you -
If you have too much credit line available to you and you apply for a mortgage, they can turn you down because they know you can get your hands on that money quickly and therefore put your debt to income ratio way out of whack and jeopardize your ability to pay your bills. That happened to me once many years ago. I had 2 credit cards with large credit lines, but both had 0 balances. The mortgage company made me close them before they would approve my loan.
Negotiate lower interest rates on your credit cards
It’s worth a shot, and some credit card companies might do it if you’ve been a faithful customer or you threaten to balance transfer to another card.Buy a texting plan for your cell phone. Texting has become unbelievably popular. I have no idea why, because it seems like a pain in the butt, but it’s typically 15 cents for every message you send and receive. This adds up, so better off paying $5 to $10 a month for the add-on plan if you’re addicted to texting.
Our kids got their own credit/debit cards when they hit 18 and got jobs. Their success or lack of
s
For some items you could buy men's, they tend to be longer with longer sleeves. NM
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"Food stamps" now are paid on EBT cards - federal EBT cards which look the
have the option to have their pay on an EBT card as well.
She may well have been using her family's federal EBT card and working for the government for a living.
Or, if she is a foster parent, those children will receive state benefits and she could use an EBT card for food assistance.
Everything is not always what it appears to be. I'm sure you're a nice person, right?! See?! We wouldn't know any better if we believed the appearance you have given here! :)
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?
yep, getting longer and longer for me too...
annoying!!!
The wood will last longer if you
use containers inside of it. If you want to disguise the containers you can put something like spagnum moss over the dirt and let it cover the edges of the container(s).
Sounds like it is going to be neat. What kind of plants? Climbing vine?
Sorry I just do not get your point as I no longer am
buying anything for the dog in any kind of way. I said I paid for the surgery and would do that again, no problem. I hate to lose her friendship, really I do but at the same time I am not going to be used. I did what I could and now feel up to them to do the rest. As of the, hmmm, say 5 months I have not helped out in amy way so your post means???
I am not sure why they are no longer speaking
but in due to the fact that she has no contact wtih him, I don't think he should have stayed in the house once he found out she was there. She was visibly upset when she realized he was there and began crying. My phone then rang so I missed what she said to her other housemates. It just seems like this is not the place for this to be handled.
no longer close....
That is what I thought half would be fair. But I know she wouldn't pay it. Because I have learned how she is. I realize I should have gotten it back way before then but I just said you know I am sure she has it put up and I will get it back. I had no idea she shampooed her carpet that often. And no I will not be loaning her anything else. From now on IF I loan something out( she is an exception I won't be loaning her anything) saying you break it you replace it is a good idea. Let's them no if they can't or don't want to replace it then don't borrow it. I did say something to my husband's brother about it. My husband and her husband are twin brothers. He did not offer any money on it. And when I told him I needed to get half of what it cost he gave no answer. My husband says let it go and learn your lesson to never let them borrow again. But I still think it is only fair to have at least half my shampooer cost paid.
In my 20s, I like my hair a lot longer
If I could no longer take care of myself, that's
up already. usually wait a bit longer, but had the time.
It is artificial and I don't like it, but...well, don't have the time to shop for a real one and deal with the mess. busy this year, and alone, so who cares? No Christmas spirit this year.
I would tell them not to visit unannounced any longer.
:)
Looking for cell phones you no longer need...
Hi! My church is collecting cell phones as a fundraiser. If you have an unused cell phone lying around that you would like to get rid of, please let me know! Just let me know what the brand, model number, phone co used for and I will let you know if that is one that is on the list. I will pay for the shipping to get it here!
Thanks a zillion!
Probably here on earth longer than you, but what I am talking about
is the fact that young females can have WITHOUT taking antibiotics. The post above me seems like it was set in concrete this was the problem and fabric softners. There are so many scare tactics here in the US and it just continues and everyone things the sky is falling, oh my!
Symantec (Norton) will no longer allow that
Years ago, we could do that - use one NA program on multiple computers - however-they changed that and they run scans all the time to see what's up and who's doing what. They are truly my most favorite antivirus program (tho there are better ones that cost more *out there* - i.e., panda). F-secure is also very good and I think is free or used to be free.
But know now, that eventually Symantec will catch you..........
2nd toe longer, wide space between big toe and
x
Some puppies just take longer, and some breeds S/M
are sometimes know to be more of a challenge. It sounds like you are doing all the right things. Maybe your local animal shelter could give you some help on this issue. Just like kids, they are a responsibility and will sometimes cause you some aggravation, but the love and happiness you get from her will outweigh the training period, I am sure. 
My teenage son has longer hair.
He keeps it clean and neat (right now he kind of looks like David Cassidy back in the day). When he starts letting it hang in his eyes, off it comes.
With teenagers you do have to pick your battles. He says that in a few years, it's going to start falling out (he's probably right) so he wants to enjoy it while he can.
Just the once, been single again longer than I was married sm
I married a homophobic homosexual who molested children.
Diabetes, probably no longer than 5 years
I know very well what hypertension and diabetes both can do, had a husband who was dialysis just because of uncontrolled hypertension and eventually dying. She was not strong enough to question (oh, well, she could not have even known maybe what they were saying) the ESLs and yes, there are older folks out there who cannot understand the first thing that comes out of their mouths. Do you not know older people who take everything a physician says as gospel and would not dare "rock the boat" so to say? She has responsibility here, mostly hers, but not being able to understand. They might have told her she was on the verge of kidney failure and she could not comprehend what they were saying and just stuck it out with the same people.
Flu season is lasting longer
I read an article recently, I think in TIme, that said that flu season was lasting longer and doctors were actually giving booster shots to their patients who had gotten flu shots at the beginning of the season.
Just not part of body that grows longer
nm
You're so right! I recently moved, and no longer
receive the San Francisco news on TV. Instead, I get the Sacramento News, which I don't like. So instead of watching TV, lots of times I just pull up my favorite SF news channels online, and watch it at whatever time I want to. It's great! You get it when it's breaking, and you can pick the stories you're interested in, instead of waiting through all the sports stuff, just to have a few words about the story you tuned in to hear get thrown in at the very end of the broadcast.
HOW did we ever live without the internet?
For the first time, I am no longer watching Idol
nm
That was the impact fee. It no longer exists. Some people even got it refunded.nm
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Cavities in areas no longer protected by enamel.
X
She is DENSE, don't bother any longer. Like talking to a wall...
//
When my arms no longer reached the keyboard, I was suspicious.
I then lapsed into a coma and didn't wake up until there was a strange person with spiked orange hair in my kitchen, demanding the keys to my car. It was either a burglar or my child - I don't know. They've never come back with the car, but that's not proof of anything so I haven't filed a police report yet.
Elf yourself e-cards (sm)
http://www.elfyourself.com/
This is from OfficeMax - free e-cards that you put your picture and/or family/friends and they dance. It's really cute!
I know there are cards that
are made for something just like this like maybe for a step-mother but don't actucally use those exact words. I know because it was so hard for me to get my "other" mother a card for Mother's day without feeling like I would be hurting my mother, even though she would have no idea. Don't know what this lady's hobbies or favs are, but anytime someone wants to take me out for a nice dinner just makes my day. Actucally hinted to my hubby this afternoon how nice that would be tonight but he said he needs to mow. Well, actucally that is a gift as well cuz he hates to mow and the yard really needs it. LOL!
Also, some people don't like this idea very much, making a donation to a fav. charity in their name to me is a wonderful gift. That is what I have always done for my kid's teachers. I have an aunt who is a teacher, and while she is greatful cuz she really loves kids, but she has talked about some of the "junk" she has gotten. I always made it to the Children's Miracle Network just assuming since they were teachers they would want to do something for children. A couple of times my children got the most wonderful thank-you notes. I absolutely love this idea.
yes, I actually have one of the cards. I have only
used it for dental work so far, though. Payments very affordable with the option to pay off in certain amount of time with no interest.
I always appreciate cards, too.
I try not to hold grudges about them, but it's hard to send one to someone who can't be bothered to send to you, so I know exactly how you feel. I think its extra tough when it's family, even if it is the in-laws. And I absolutely agree with the poster who said that cards are so inadequate in some occasions, but they are better than not sending one at all and I always add a personal message.
You really have to stay on top of the cards
I do a lot of card flipping with balance transfers but also calling and trying to negotiate new deals. I just switched one with a balance transfer at 3.9 for the life of balance and then talked them down to a purchase rate of 8.9 (it had been up in the high teens). I also talked a card I've had a while into a 2.9 for the life of a balance transfer instead of the 12 month offer they were having because there was a delay in the electronic transfer to the other company causing me a bit of inconvenience. That transfer was actually for a loan I had at a pretty high interest rate, so some loans can be put on cards too which I never knew. I find websites that list ALL the latest offers for all or most card companies and I'm always checking. Sometimes I call my cards and tell them I am thinking about switching unless they can give me a similar/better rate or deal. Often they will so as not to lose the business. I have saved a ton of money doing this - it is sort of like consolidating on your own. I can post the site if anyone is interested, don't have it handy right now. Oh..I also have automatic electronic payment setup to pay a certain amount each month from my checking so the payment is NEVER late. You are so right about that, that's where they get you! I just thought maybe some of this info may help someone, I hope so. My credit is very good now but had been a mess in the past.
How about addressing your own thank you cards!
My husband's side of the family seems to think that it's a wonderful idea to have shower guests address their own thank you cards as they arrive to the party! Well, geeeze! Why not go all the way and write your own thank you note, too! They put the little envelopes in a pretty little basket and pass it around. I don't care how they try to pretty it up, it's still tacky! I refuse to address my own thank you card, and you guessed it! I never receive thank you notes from DH's side of the family!
I hosted a wedding shower for my husband's sister, and my MIL came over with the little basket. We had such a fight, because I refused to do that at one of my parties. ugh!
telephone cards sm
It was on our morning local news that a local mom started collecting phone cards donated by various people for her son and his buddies in Iraq. She said the response has been overwhelming and her son and his buddies couldn't be happier because they love the fact that they can actually talk to someone at home rather than E-mail and snail mail. One woman wrote her a note along with her card, stating that she got to talk to her son every day as he was home, so it made her feel so good to be able to help someone else's son call home. Guess it's all up to them if they want to call, they have to pay, don't know how much it costs to call from there?? Imagine it is not cheap.
A deck of UNO cards
Can you give hints? g o m d t . c o m
Don't use your debit cards
I had a problem with fraud on my account through them. Surely they have fixed it by now, as this was last year and the year before (yes 2 separate occurrences, both at xmas time). So I would not suggest using any cards there but cash only.
I do agree that it seems to be a great idea for teens. Their prices are great and our location has always been helpful with advise, returns, etc.
Another good idea I have found for teenagers is a gift card for restaurants or gas stations. It helps their parents a bit and if they have a girlfriend/boyfriend places like AppleBees or Red Lobster are nice so that they can go on a nice date and not have to worry about $30 for the bill. Even with a part-time job that's a lot of money for a teenager! :) My nephew actually requests it.
gift cards
Gift cards are hard to redeem, especially if they have to spend a long time trying to find something they like at the store for 5, 10 or 15 which they usually cannot and end up spending my money to cover the overage.
I think cash is much better!
Gift cards!!!!!!
x
Don't throw out those cards!
Christmas is over, please don't throw away your cards. If you don't already have plans, please consider sending them to the Pine Ridge Reservation. Children there recycle the cards to make cards for next year. They sell these to earn money. They only need the front of the cards - the picture part - and welcome any style (obviously not naughty cards). The address to send cards is: Via UPS or FedEx: Carmelita Mesteth Oyate Teca Project Wakanyeja Okolakiciye Youth Center 1000 Youth Center Drive Kyle, SD 57752 Via US Mail: Carmelita Mesteth Oyate Teca Project P.O. Box 316 Kyle, SD 57752
Free Ebirthday cards?
Anyone know of a good free E birthday card site that is easy and you don't have to sign your life away? Blue mountain now makes you sign up for a trial but wants credit card.
google free e-cards
Hallmark and American Greetings I know for sure have free ones that you don't have to sign up for...just google! Good luck...
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