To restore credit, get a card that is pre-paid and use that
Posted By: responsibly. 1st step to repair credit. nm on 2007-05-23
In Reply to: Tell me about it- and what makes me mad - Margaret
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DH paid off credit card. Now I'm paying him back. No
nm
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.
Gas card? Lottery tickets? Paid magazine
s
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. ;)
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!
Be very careful about credit card payments
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....
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!!!!!!!
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.
Hi, it is difficult to restore shine when it is gone, but...sm
" Eventually, no matter how diligent you are about cleaning, your no-wax
floor will lose its shine. Then, believe it or not, the best way to
make it new-looking is to wax it.
Use a water-based self-polishing
wax.
Whenever possible use a product recommended by the manufacturer.
If you don't know who the manufacturer is, get a recommendation from a
reputable flooring contractor in your area.
I tried a system restore too, but wouldn't work.
I've had a lot of problems, even problems just getting used to the new set up. My Quick Look constantly freezes up on me too. It's very frustrating.
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?
paid
Do you actually know how much he gets paid? Yes, great that he won 10 g's. My MIL is a teacher and she gets paid great. No underpaying there at all. It all depends where you work. Sometimes i question she is teaching our children the future?????
Paid for Doing their Job
My point was it's a good amount of pay for the hours put in. There are lots of jobs where the pay doesn't come any where close to what is deserved (sound familiar?), but that's not exclusive to the teaching profession.
If parents would be parents, teachers could be teachers. When my son was in high school I always attended the parent-teacher night. One of his teachers said something that rang so true. When I asked how my son was doing he replied, "He's doing great. Every parent I've met tonight has a son or daughter who is doing just great. Of the ones who are lost, struggling and failing, I have yet to meet one of their parents tonight." We talked for a bit and he told me regardless of the phone calls to home, the letters, the one-on-one time with a student in trouble, the parents never pitched in, never made an effort, and he was losing the battle with those that needed help.
I will never say say teachers have it easy. Teaching is a tough job. A social worker has a tough job. A roofer has a tough job. A nurse has a tough job. Where does it end? There are a multitude of underpaid professionals in our society. If you go into the teaching profession for the love of the job, so be it. You know, or should know, what the average salary is before you make the decision to get your degree. Eyes should be wide open.
Back to the beginning: hour for hour, day for day, if the time clock was punched, the salary and benefits a teacher earns is pretty darn good. Go after the parents for them to do THEIR job so the teacher can do what his/her salary reflects: TEACHING.
paid help
I am so blessed. My mom comes in once a week and does my bathrooms, kitchen/utility floors, vacuums, dusts. Has been doing this for years. I think if you can get someone for $15.00/hr. go for it. Mom only charges $10.00 an hour for her paying customers. Refuses to take money from me. Good luck!
I paid
the month thing so I can go on-line and that is helping me to keep with it and not get discouraged too. I figure it is a healthy way to eat and I paid so I may as well give it a month. I had foot surgery and have just been able to start walking with little to no pain now so that may help too. Thanks again!
I have paid $50.00 and tipped $10.00 sm
but I don't really get my haircut too often and when I do, I love to make it a day just for me at a nicer salon, so I don't mind spending the cash. I like to feel like a "rich *itch stay-at-home while hubby works nothing better to do but spend his money lady" just for ONE DAY. Between the house, kids, and typing, I find it hard to make time just for me! So, if I get the chance and need a day to myself, I tend to make a hair appointment and then maybe go shopping for a new purse (my other luv). I have too many as it is, but I love purses and shoes and always have! I would babysit all week as a teenager just to purchase an expensive purse! Wish I had all that money now, but... it sure was FUN! 
I always tip 10-15%, but I have never paid $65 just for a haircut...
nm
For those of you who have paid help with the house ..
What I am wanting from someone is an hour each morning (M-F) to do:
1) Make 2 beds (changing sheets 2 times a week)
2) Vacuum 1000 sqft (with about 300 of it not carpet - sweep)
3) Unload dishes from dishwasher/load any dirty ones
4) Swish the toilet down and wipe down the bathroom sink/mirror
5) Drop any trash at the trash bin as they leave
My questions:
1) Do you think this is reasonable to be done in an hour?
2) I am thinking of offering $15 an hour...Too much? Too little?
Thanks
well of course they have paid for it in other ways.
for the poor. That's a just society. I would gladly pay $6 a gallon for gas if my health care were free and my children were going to college for free. That would be a bargain!
Paid bills
Paid bills and planned with DH about how we can make more money so we can do more than just "pay bills". Watched a scary movie tonight. Tomorrow it will be work and some household chores. Gosh what an exciting life! I'd like to do a little more with my life than just "exist".
Maybe someone else paid the bill for you.
no msg
I have economized and it has paid off sm
I live in a mobile home I bought excessively used. It is fully paid for. My car is 1996 and while it has 123K for mileage, it is still running just fine and I am told will go to 200K. It is paid for. I own a lovely piano, paid for. Clothing I either make or buy on the sale tables from Walmart. I especially like that most of my tops only cost me $3 or $5. I take good care of my clothing and much of it I have had for several years. Since I have chosen carefully I like what I have. Same for shoes. Same for what little costume jewelry I have. Same for my budget bedding. I buy household stuff second hand because I like certain tacky nick nacks from the 1950s. I even shop for the lowest prices at second hand shops.
Now, I have not had a vacation in 13 years, it is true. I am just now getting used to having to take 2 full days off every week and managing those 2 days without sitting down to work is hard. I do, however, have a lovely home and no debt.
I only work one job and I do pretty well ($40K a year). I am able to have enough taxes withheld not to worry about it. I have insurance too. After that, I can pay my bills and I manage to put back about $500 to $700 a month, depending on my line counts. I have no idea what I am saving for right now, but it feels good to watch the numbers climb. I literally put every fourth paycheck in the savings account. I DO eat what I want when I want. I have also stock piled canned foods because of food prices. I buy lost leaders at the grocery store for the most part. If it has a store special tag on it, I am going to choose it over something else.
I am at a point where I don't use the car, but about twice a month to go the bank, which is not close enough to walk to. There is no place close I'd go out to eat even if I were inclined, which I am not. I am an avid sale and clearance shopper, and while I am not longer at the point in my life where this is a necessity, it is so ingrained (did I spell that right?) that I can't stop. Some people may get off on buying an expensive item, but I get my thrills out of seeing how little I can spend to get what I want. Example is a flat pack entertainment center I wanted. Original price was $120 and I got it for $32. Nothing wrong with it and it was easy to put together, just clearing out for new styles. I had wanted one for a year before I bought this one, but found that price and jumped on it with great joy.
Since I know perfectly well that working harder and longer is not really an option, I chose to cut my spending and now I am really happy.
You know I would have paid the friend SM
even though it would be a hardship. But after his last comment about "don't ask me to stay and put things in the right place," I said thanks, but no thanks...
Help is a safety net you have paid for sm
Food stamps are a safety net we all pay for, all forms of public assistance are things we have been paying for all along. TAKE the help you need! Do move closer to family if you possibly can.
I have been in your shoes myself. I lost my home to foreclosure 4 years ago because of having a near-fatal drug interaction and losing my job of nearly 7 years. I made a couple of moves and finally ended up in a small town out of state from where I had lived for 30 years. I lived with a close friend for about 9 months and had the opportunity to buy a mobile home for $3000. The people I bought it from said I could make payments and I was able to pay it off in 5 months. It needed a lot of work and it has gotten it, most of which I have done myself. This project really helped me to regain parts of myself I had lost. It gave me a reason to get up and get going on my days off. I turned this ugly old thing into a lovely, comfortable home I cherish. I have lost about 50-60 lbs since living here and I have brought the idea of vastly cutting expenses in line with making more money. The end result is that I am very well off financially, better than in my entire life.
DO get medication to help you if you can. I didn't have medication to help because I am allergic to every psychotropic in existence. I did this by pulling myself up by the boot straps, but if I could have had help, I would have. There IS a brighter future out there. You CAN have that brighter future because you DESERVE IT. That said, no one expects you to get there alone!!!
Don't be embarrassed to ask and receive help. You will be able to help others later. Years ago, when my kids were young, I was a single parent, no support and it was Christmas time. My kids didn't even have adequate clothing or food. A neighbor I hardly knew handed me a Christmas card. Inside was a $100 gift card to K-Mart. She said that many years before that, she had been in my shoes and someone had given her $100 one Christmas, she was now paying this forward to me. The only provision was that I return this favor when I could, and that I bought something for myself too because I deserve nice things for my hard work. It was a turning point for me. I have been more of a giver since. Although I could have paid this back last year, I didn't know anyone who would appropriately benefit. This year, I do and I had to tell her that I was going to do this and why. She cried and felt embarrassed because, she said, she was usually in the position to give and it hurt a little to receive. I reminded her that she was GIVING me the gift of giving with pleasure.
Others are going to give to you with pleasure, love, friendship and concern for your well being. TAKE IT. One day you'll post back here about how good things are and I'll want to hear it.
Just paid $1.67 here near Richmond, VA- sm
we are about 45 minutes east of Richmond, and have 5 gas stations within 6 miles of each other, and one recently reopened after being closed for over a year (was just doing car repairs, closed the pumps) and has been undercutting all the competition. The other stations are at $1.77 or higher.
You are under 30 and your house paid for?
Did you get at auction and you were the only one?
I just got paid today
and want to be lazy tonight, so I am going to order a pizza to pick up when I get off work for me and the bf. So much for trying to watch what I eat 
oops...should be *never paid quarterly*
nm
ET paid 4 million is what I read
My X never paid a dime - he still had his "rights." (sm)
You seem to be so afraid that you will lose all your rights. Why would you think this? I can't see how you would. Don't let him scare you. If you can't afford a lawyer, go to Legal Aid. They helped me immensely when my X refused to return kids after a visit.
mine always paid their own insurance
so they can understand what happens to the rates!
Betcha' she's gettin' PAID . (nm)
The "rag man" paid by the pound sm
My mom used to threaten to "sell us" to the rag man and when she was really mad, she would tell us she was "putting us in a 'home'." Yes, there were a lot of "homes" for unwanted kids then and there was also a "poor house." Oh gosh, I feel so old! And kids today think they have it bad when they can't play video games for the day!
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