Call the credit card companies and ask them to lower your rate. sm
Posted By: Poor in PA on 2006-04-11
In Reply to: Desperately need debt consolidation help. - Maureen
Tell them you are having trouble and you need a lower rate. I would try that first on your own. I have done it and went from 14.9% to 4.9% on my credit cards. I can now pay them more monthly than they ask for and I am on my way out of credit card debt.
Consolidation companies, some, charge a fee and it goes on your credit report as "write off or bad creditor". If you have no success with the cc companies yourself, than try a consumer company to help you.
Good luck to you!
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call credit card people immediately
and dispute charge (the back of your bill should give you the procedure on this) WRITE down everything you have done for the record. Yes, you absolutely must contact someone who knows something at hotel.com and be sure you contact the Atty General of your state and the state where hotel.com is headquartered, not to mention the BBB. Hotel.com has just got a load of bad publicity - don't forget to point that out to them. They also need to reimburse you for any charges incurred.
Be sure to keep a paper trail...emails will work. Good luck to you.
Indian call centre credit card 'scam' exposed
RE: Symantec (Antivirus) customers credit card information being sold.
http://www.theregister.co.uk/2009/03/20/call_centre_credit_card_fraud/
Charge what the credit card companies charge when they don't get paid on time!!!!
Oddly enough, if I don't use my bank card as a credit card in the billing cycle, I get charged fo
x
No credit card is a good credit card.
Just kidding. I'd suggest not using credit cards to pay debts. It'll only dig you in deeper. Look into a signature loan or putting a lien against a vehicle or house. Lower interest rate, pay off sooner.
Debit card. They've got the credit card logo on them, so they
can be used anywhere a credit card can be used.
Credit card? I'm not sure either.
NM
How do you rent a car without credit card?
I only use my debit card now. However, how do you rent a rental car without a credit card?
Credit Card Consulidation
These offers for credit consolidation sound good until you read the fine print. Basically, you are taking out a loan for the amount of your debt. If you miss a payment or even are one day late, you can end up with huge, huge interest charges added to your bill. I thik a lot of people go bankrupt falling for this scam.
get a credit card just for your IC expenses
it will keep all your expenses in one place and you won't need to keep receipts, just the credit card statements. Other than that, track mileage, though to be frank most people will just claim an average mileage and then create a mileage journal if audited. Also if you will take the home office deduction, you can claim percentage of heating, etc. but easy enough to do that. Might be worth your while to consult with a CPA if you take the IC job, and then the first year that you do your taxes. He can explain everything you need and then you can take it from there. Just one or two more forms to fill out, nothing earth-shattering.
A credit card separates
personal purchases from business purchases and simplifies bookkeeping. No need to keep multiple receipts, just credit card bills. You need to HOLD money in 2006 to pay tax bill FOR 2006 when due in April 2007. At that time, the IRS will send you a notice that your underpayment is too great and they would like you to file quarterly. Then, as said, you only have to pay 100% of what you paid for 2006, divided into 4 quarterly payments, across 2007 in order not to get a fine, even if you make lots more or lots less. Come April 15, you settle up the difference again.
Oh, not this discussion again. I haven't had a credit card
account in over 10 years now, and I do just fine. That includes reserving hotel rooms and rental cars, buying plane tickets. I live on a cash basis within my means. Nobody needs a credit card.
In addition to your credit card receipt you should
get a printout of your payment and if they don't offer it, ask for it. Be sure to check right away that they are showing you paid and if you have a receipt your payment was put in the system, which should eliminate this issue in the future.
Billing an insurance company will give the insurance company a good laugh and will probably create further problems.
New credit card interest rates (sm)
Wondering if those of us on this board have noticed that credit card companies will be increasing their interest rates along with the minimum payment due soon. How will this affect some people who can barely make the minimum payments now. Any insight greatly appreciated.
Purchase date on credit card
x
is it safe to apply for a credit card
over the internet? I hesitate to give out social security number and personal things on the net. Is it okay or not? Thanks
Credit card/income question. sm
I got an offer from Capital One for a personal credit card. Credit not great, but I figured they checked it before sending offer since I have a business card and they check with CRA every month.
Anyway, they declined it. They said I didn't make too much. Said they would not put denial on credit report. Want to find out how do they know how much or little I made since that information is not reported. Do they go by FICO score? Just wondering if anyone else had this problem.
Had this problem before, and worked for a credit card company too
I also had problems with travelocity, which ultimately was routed back to hotels.com, where I booked it for one date, they reserved it for a different date, and I ended up having to pay for both dates, PLUS a HUGE fee. I challenged them on it, but nothing ended up happening, other than me biting my tongue and paying it.
HOWEVER, since you were told that they would credit the amount, you need to talk to Hotels.com first. Make a concentrated effort to speak to supervisor after supervisor until they give you an apology and credit it. ALSO (and, if they refuse to give you the remaining credit), call your credit card company and explain the situation. They can do a few different things here. They can, and probably will remove the over-the-limit fee for you, if you explain the situation, as long as you don't have a long over-the-limit history. Don't let them tell you that they can't remove it, just keep going up the chain of command until someone does. All CSRs in that situation are able to remove the charge, and if they don't, ask for their manager (they will just put you through to a phone queue where the people have higher capacity to remove stuff like that). The second thing that they can, and will do, is, if hotels.com won't do it, you can dispute the charge, explain what happened, and it will be removed while they research it. Most of the time, they remove it and you never hear about it again, other than to tell you that it's been taken care of. If they decide it was a valid charge, which they won't, they will add it back to your credit card balance after getting hotels.com to prove that they provided the necessary service.
Make sure you contact your credit card company, even if hotels.com refunds your money, at least to get the over-the-limit fee waived. I would still dispute the charge, and that way, it is covered if they say they are going to refund it and don't. If you dispute it, and they end up refunding your money, just alert the credit card company, and it will be a wash. Good luck! 
Do not close credit card accts with 0 balance
I get offered and have used no interest credit cards for years. They are usually no interest for 1-1/2 years. When it is time for them to start charging interest, I roll them over into another no interest card. I have never closed an acct, just cut up the cards and forget about them. My FICO score is excellent, as is my credit. I get offers for no interest cards at least once a week so it obviously hasn't hurt me.
could it have to do with the class action law suit, my credit card company did that once...
they sent me a check of some money they supposedly owed me because someone filed a class action suit regarding their not posting monies received the same day and therefore charging people late fees, etc. I got like $3.46 for something or other.
perhaps it was a class action suit that was filed, and then of course MQ would have to go back and pay any monies due to everyone regarding the line-count discrepency issue.
maybe I am way-off, but if it is on the QT, that could be why. once they pay you off, they are no longer liable, right?.
anyone else have any ideas?
Looking for best credit card, visa,mastercard or amercian express
need to consolidate some bills,
They hand your credit card #'s when processing orders - why not mail?
It is common knowledge inmates work by processing internet and catalog orders. They hand credit card numbers every day. How can you even trust to place an order anymore, not knowing who is actually processing your order? It is surprising what inmates are allowed to do. Some live better than us behind bars!
I renew my subscription to Norton each year it is due by credit card through them on the internet.
If I change computers how do I get that back into the new computer as I dont have a disc or anything I just do it over the internet. I have the original disc that I purchase 2 years ago but have since upgraded over the internet as I said.
I would not lower the rate. They know how
much they are paying you and have accepted it.
Never lower your rate
I would never, ever lower my rates. Is the one doctor in the group that is complaining a constant whiner? He may just be a tightwad that still has the first .01 he ever earned. Think about it - we complain about the cost of gas increasing and the cost of groceries increasing, but those businesses sure aren't going to drop the price of their product due to our complaining just to keep our business. You run a business and the point of that is to earn money. If you or a family member had to see this particular doctor, would he drop his office visit rate because you complained about his bill? Never!
Not only that, these are cardiologists - one of the elite money makers in the medical profession.
Write a note stating that you understand his concerns about the cost, but state that in spite of your expenses increasing along with everything else recently, you will agree not to go up on your rate for a year instead. Tell him while there is less expensive out there, it comes back to the old saying of, "you get what you pay for."
I do not give a lower rate for any templates--I still--sm
have to pull them up and there are usually changes that I have to do. I charge my rate x 3 for envelopes and they supply the envelope. I also charge for cc's--if the name and address are provided. If not, I do not print an envelope for them, the office does.
Your other option would be to have his office print the envelope. My ink cartridge runs about 25-30$ depending on where I get them, and can get very expensive depending on the amount you will be printing each week.
I also do not take anything off my rate. I have figured how much I have to charge in order to make a profit and do not vary from that. If he gets you to drop your rate below your profit margin, guess how long it will take for him to spread the word to his friends that you will come down on your rates??
Well....he asked me to lower my line rate for him (sm)
which I did....then he asked that I make copies of everything he cc's and copies of the letters he dictates....then asked me to subtract off the templates he uses, even though I am using my ink to print these templates and making changes where he wants....it seems that I am spending more time doing these things than I am making any money. Just don't know what to do. I am not complaining, just need some helpful advice. Thanks
Client interested but wants to lower rate. sm
He said he wants to hire me to do his work, but at 8 cpl and give a week's turnaround time. I worked as an SC at that rate, but not as IC.
Is there anything I can say or show him to convince him this rate is incorrect?
Have you forgotten we have not gotten the new pay plan yet which will lower the base rate I am sure
and be incentive tiered according to production which is next to impossible on so many accounts anymore. This is only the beginning of the pay decrease.
You're likely to make more money on the lower rate because easier to understand and can probably
faster and need less time to look things up, etc. Just my 2 cents.
all 3 major credit-reporting companies offshore
Equifax
Experian
TransUnion
all 3 offshore your information
there's just no fighting it by refusing to do biz with them
the only fight to hold is with the govt for allowing this ridiculous practice
For what reason do companies/hospitals want to do credit checks for MTs? nm
nm
Wait until we get a lower base rate and incentive and no work for incentive.Should prove interesting
because everyone will probably have a lower base rate than now. As I say, should prove interesting.
On-call like she says with a flat minimum rate - sm
would be the way to go. My DH used to have to do on-call for some equipment his company had in a local plant here. He was on-call one week out of every month as it was rotated with 3 other techs so they would have a break as this was 24/7 for 1 week. We got the odd call at 3 a.m. which stunk and he had to go in right away to deal with the problem, but he got $400 extra a week for doing this, and it was over 5 years, and he probably got called in maybe 5 times, so it can be worthwhile. He hated it just because he felt tied down that week and could not have more than 2 beers those nights, but he lived, and it helped out our finances a lot. I missed it when it was gone, but by then I was working so it really did not matter. He also got extra if he had to go in in the middle of the night. During regular business hours he did not, but any other time he got mucho extra $$$$ on top of the $400, very sweet deal. I think it would have to be worth my while to be on-call, especially if they happened to call you in a lot. If you do it, I'd leave a clause that the fees were to be reviews and renegotiated/increased as necessary at the end of 3 months or something like that.
what is the companies line rate?
And how long is the internship?
not all companies post clearly .. how many put their line rate in the ads?
I really hate it when I answer a blind ad and afterwards I have to tell the person that they are not offering enough compensation for me to work on their account.
If they need weekend coverage, maybe that should be handled by a weekend-only IC. And if the MTSO has to hire 3 MTs to jump in the work pool (usually with a prn hanging in the eves) on Saturday and clean it up, then the work gets done. The M-F gals are happy, and the weekend MT looking for extra work (because some accounts don't have weekend work - especially clinic accounts) on the weekend is happy, too.
I work the weekend sometimes, both days. But I typically steer completely away from account ads that have the shifts delineated Tues-Sat 1st, 2nd, or 3rd shift.
This is a labor-management issue that needs to be worked out amicably. Too many times MTSOs are bad-mouthing ICs and ICs/SEs/Es are bad-mouthing MTSOs. We aren't at odds. The MT is benefitted by hitting TATs with hopefully job security, and surely we all understand that we are all together on contract performance. This is supposed to be a symbiotic relationship and if you do get an MT who flakes, then have an extra to cover it. Management shouldn't browbeat the MTs who are dependable.
Does your program change lower case to upper? If so, type all in lower and
it will change the ones it is supposed to.
Why in the world do companies not list their line rate in their ads?
Why waste my time applying for a position that pays 0.065 per line?
Why are they ashamed (other than the obvious). Let's be up front with this!!!
The owners of the companies I work for certainly could increase my cpl rate. nm
:}
I wouldn't lower my rates. Should I request a lower CPL from my employer
because I use a ton of normals, templates and such to increase my line count?
great website for credit and credit cards, interest rates
great website
Has anyone used a credit counseling service to consolidate credit cards?
What was your experience? Was it worth it? Which ones are credible?
I used to send a card and gift card to my direct supervisor, but that's it. sm
She was the only one who knew me as more than an employee number, and the only one I had any respect for.
CREDIT, everyone is living on credit, and from what I see
with a rather, 'might as well, we have no future' kind of attitude.
our credit cards are maxed out, we are buying gas, food (which I swore I would never do, how stupid - all that interest for food, yuck!), paying bills, and we would not have survived without them. now they are maxed out, and we are not making one bit more than we were.
glad things must be going so well for you, but look around in your own neighborhood.
the gap is closing between rich and poor. like it is in somalia, for example.
call us doomsdayers, but I call it protecting our own interests.
why is it the only people who are supposed to care about themselves are the rich?
Has anyone disconnected the internal sound card and replace with another sound card?
I am having problems with my sound on one of my computers. Several different ExText program have been on it so I don't think it is the program and the sound is just now as clear as on my other computer. Has anyone switched (disconnected the internal sound care and replaced) to a new sound card? Did it make a difference.
Everyone on this board is so knowledgeable, I really appreciate you. You have helped me many times.
Charge him an hourly rate. The current rate is
between $15-21/hr. according to your location. If he had to use an independent secretarial service, he would be charged much more. You can look in the Yellow Pages in your area under Secretarial Service and ask them what they charge, then charge accordingly knowing you can back it up.
Upper case is lower, lower case is upper. Using InstaText. Anyone know how to fix this?
Aargh. It happened all day yesterday. When I brought in text that was all caps
IMPRESSION:
and had lower case on keyboard (as always do), it reverses keyboard commands. This is driving me c-r-a-z-y.
got the "phone call" -- get this, MQ has hired a bunch of telemarketers to call all of us to
we received our "incentive packet." They don't even have the wherewithall to contact us personally. These are temp-agency hired telemarketers sitting around a boiler room making sure we're reading our mail.... told him it don't pertain to me because I've been demoted from FT to SE.... He said, "yes, the letter is vague, but it does pertain to FT as well as SE...." yeah right, we'll see.
*70 will disable call waiting unless you are expecting a call and want it on (nm)
x
On-call requires on-call compensation by law
This field gets more disgustingly grotesque daily.
She must. Probably gets that big lower lip from
chewing on her lip while doing ESLs.
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