email back & ask for a loan LOL nm

• Money brag or is this normal now? - allie
  • It was actually my younger sister!! - allie
    • Really tacky on her part - I never discuss salary with anyone but hubby! - kla
    • There ya go. Sibling issues on her part? - nm
      • Oh please, how ridiculous! - sm
  • Is this a friend of yours? nm - Curious
  • email back & ask for a loan LOL nm - Deb
  • email back and mention how you don't know how they manage on so little. - btdt
  • Say nothing. nm - nm
  • I'm too embarrassed to say (sm) - working for pennies

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So far they are running it off who knows in the future but to me it looks so weird having it go out on six pages of letterhead. 

If credit is good you can get a prime rate, or maybe even 0.25% below prime.  Can get about 2% below prime for 3 months, but for most people this isn't reasonable.  

Trying to get a credit card to consolidate might not work, because if you have that much $$ outstanding (I'm thinking other credit cards) you aren't going to be able to get much credit and you'll just have 1 more credit card to deal with.  Also, lots of credit cards will offer 0% for 6-14 months, BUT if you read the fine print you may have a transfer fee of 3% of the balance.  Sometimes there is a cap on the total, but not always.   Also, pay CLOSE attention to the grace period.  We had a card that had a 25-day grace period, but by the time I got the statement and the time they received payment I was outside my grace period, thus we were charged interest, even though we paid the card in full.  

If at all possible don't get a credit card to help get you out of debt.  Call current creditors and see if they will lower your rate.  If you have good credit they probably will, if bad credit you are probably out of luck.  I would cancel some of the cards too.  It won't help you pay off the debt, but will stop you from getting more. 

I know this isn't what you asked, but BTDT and learned the hard way, and hoping to present other options you might not have considered. 

I had unexpected expenses and had to get a small one from HSBC.  Here are the questions I was asked:

Do you have medical insurance?  If so, what are the deductibles for hospital stays, office visits.

Do you have life insurance and if so, how much?

Do you have disability ins and if so, how much?

What is your home owner's insurance deductible?

What is car insurance deductible?

Who are your insurance carriers?

I do not recall these types of questions.  I ended up buying 10/mo insurance coverage which includes disability and life insurance...for $2600.  I am 48.

Is this new? 

e-mail address because it is not revealed when they send mail because we have spam protection in place.  The only way they would know what your email address is, is if you reply to the email they send you.  If you don't want to receive any email from anyone, simply do not enter your email address in the Email field.

Administrator

who is in San Antonio and may be able to help you.

I'm in Corpus.

I'm not sure how many people they are hiring but you shouldn't stress too hard over it. Do the best you can.

There should be a reply by email option.  I don't see it for you, but if you want to email me you can.

They'll have to supply a computer for me and if it is because of this restriction, then it will have to be free to me.  This company monitors this board very closely also so I'm glad to see the responses here.   I don't  keep my email on my hard drive anyway. I keep my email on my email server and not on my hard drive.  I wonder if I would be required to give them my personal log in information to my email server?

Hmm, this should be interesting.

I, by accident, posted the wrong email address.  It ought to be (e-mail address edited out of post), so if you could resend it, I would be most appreciative.

Thanks

Post edited:  No e-mail addresses in posts, please.  Moderator