New credit card interest rates (sm)
Posted By: Dianne on 2005-11-23
In Reply to:
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.
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great website for credit and credit cards, interest rates
great website
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.
which credit cards have the lowest interest now?
Looking to consolidate some bills, looking for the credit card with lowest interest
Oh yes. If you are penalized, you have to pay interest rates sm
that make credit card companies look generous. Better to have more withheld than having to owe. I hated filing those quarterly returns. yuck.
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.
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! 
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.
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!
Call the credit card companies and ask them to lower your rate. sm
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!
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.
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!!!!
Has anyone used a credit counseling service to consolidate credit cards?
What was your experience? Was it worth it? Which ones are credible?
Has anyone kept a list of line rates, report rates, benefits, etc for sm
the different companies out there? I feel lost and confused. It seems like everything is changing daily, and I am not being organized enough to keep up. I am about to actively look for full time employment again but if there was a list, I would be able to sort through a lot more quickly.
Can anyone help? I am going to start keeping a chart myself in case anyone needs this in the future.
Line rates in the Northeast - can anyone advise as to what the going rates are in the NE part of the
country? Specifically Connecticut. I want to make sure I am on target here. Thanks.
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.
It might interest you to know
My friend's son-in-law works for a large tree-trimming company and was sent down to help out. However, another company that had already been there were held up at gunpoint and had all their power tools and equipment stolen, all their money, watches, etc., so my friend's son-in-law's company said the hell with them and they are calling all their people back home. These are the people who are crying for help and then they turn on the ones who are trying to help them. I would say the hell with them, too.
Kay's the one who said she had no interest
in looking up past polls on the exact topic (that are from "real" individuals!). Or that real individuals had no interest in answering her poll, whatever. I merely suggested that people get tired of answering the same old questions, which is why she's not getting any response.
Why you bagging on me? She asked the question, she didn't like being told to do a little research, it's the same as on the Word board. If you think being honest and offering a suggestion is a smart-butt reply, man, you need to get out more often.
My interest in this???
If you would have read the original post, you would know my interest, which is nothing. I was simply asked to check this board out by a number of associates that are MTs and wanted my input as to whether or not I thought there was a resolution to all the issues mentioned here. I simply was making an observation of all the topics. I simply was throwing a few thoughts out there. I simply was trying to make a difference. It seems that the most of the MTs here are not looking for a resolution, but just a place to vent and do nothing else but that. There is an old saying "where there's a will, there's a way". These companies can only get away with what the MTs allow them to get away with. If the American MTs refused to fill in the off-shore work, the company would have no choice but to change their protocol. If the MTs would refuse to fill in VR for low pay, they would have to change that too! Yes, there is always someone with less experience willing to work for less and they too would soon be found out. The MTs here can argue back and forth with me about what I have to say, stating I know nothing of the history, etc., however, any person with half a brain reading here for a short period could see that if you did something about what you are complaining about, instead of allowing it, you just might see a change. I have been helping people get results for many many years and have been very successful. So.... with that being said, I am not the one on the losing end.
No interest in polls
I wanted to hear from 'real' individuals. I know that polls are supposedly based on responses from individuals -yet, no interest.
I see no problem with that - seems it would be in their best interest also
nm
No conflict of interest. sm
Obviously he is her client, and if she's not typing for him on her time with the company you both work for, there is no conflict of interest.
She is free to type for whomever she wants as long as it is not on company time.
Whatever is going on with the doctor and the company you work for are separate issues.
Hope this helps!
and then you have to pay taxes on the interest LOL
I buy I Bonds.
Not sure why everyone is so anti-government. The government DOES do a lot of things for us and to do that they need money!
what's you interest in this that you have become such a beitch about the whole issue?
 Just curious?
Yes, definite conflict of interest there.
Speak to your manager and let him/her handle it.
Put it in the bank. 100 years of interest. Just think!
Give me a break!
I needed a good laugh, thanks for posting. Trust me, I'm only laughing at the sheer stupidity of issuing a check for one cent. You can't even rebel and send it back to them because you'd be out 36 cents.
Maybe you should frame it and label it, "My Big Bonus."
JT, and just what IS your interest in any poster's orientation? nm
nm
Not at 23% interest on a repayment plan! NM
z
Especially their interest in CHINA, of all places. -sm
Look at what's been coming out of there already - poison pet food, poison people food, badly made and dangerous children's toys, flimsy everything else, etc. They try to bend the rules on just about everything they make & export.
Imagine the quality of their medical transcription.....
[* SHUDDER! *] :/
Do you have interest in this site or what?! - No Message
?
You'll see them as they appear. It's not just companies, it's topics of interest
We will be adding constantly to give visitors opportunities to find information that they may be seeking.
Administrator
Easy enough to just skip over subjects that don't interest you? NM
z
Call around and ask. I'm sure there would be plenty of interest in having you as a client!
x
I lost interest when Chris left . . .
but of the two I think Katherine is the "whole package". As far as being inconsistent, she's a young amateur, get her in the studio and a couple years experience and I think she'll be pretty darn good. Kelly has greatly improved over the years.
My CMT lapsed years ago because of lack of interest. sm
in AAMT and the direction it was taking.
I've found that having been a prior CMT is quite enough to get the interest of potential employers. However, it is how well you transcribe NOW that gets you recognition. Your work will speak for itself.
It's up to you if you want to spend the money for the test and the money and precious time to maintain the CEs. For me, it's how well I get the job done now that matters to me and my employer.
IMO, once a CMT, always a CMT, whether active or lapsed. They are just letters, and I have no regrets.
Some bad grammar above, eh?, but you get the picture.
BTW, I was CMT by exam by proctor in the good old days when USA transcription was all-American (and then I became a proctor!)
I agree with your opinion about the "grandfathered" CMTs.
Hope this helps. And BTW, I admire your attitude.
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