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I think they will only report late payments when they are 30 days late. So it shouldn't be an issue with your credit report. Now late fees or whatever I'm not sure how they do that
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yeah i only had one cc and never paid it off pkus a student loan and some hospital bills. Ive been so broke i havent to pay at all , but i just sarted a job so i should be able to pay somethins offBy that, do you mean you used your credit cards a few times and never paid them? There's no way you're at 329 without skipping payments.
yeah, You live and you learn. Thank god i dont need anything major like a house or something. If only i was responsible like yall lolThat cc is more than likely charged off and went to collections. I'd say save up and open a secured credit card to start rebuilding your credit
Just signed up for that Chase Sapphire Preferred. Annual fee starts in year 2 at $95. Do they have the ability to increase the annual fee as they feel, or will it still be $95 per year 15 years from now?
Prob should have looked into that before signing up
Just signed up for that Chase Sapphire Preferred. Annual fee starts in year 2 at $95. Do they have the ability to increase the annual fee as they feel, or will it still be $95 per year 15 years from now?
Prob should have looked into that before signing up
No clue, but if by chance they do increase the annual fee and you don't want to pay it, you can always product change to another chase card. Maybe the regular chase sapphire it just doesn't let you earn ultimate rewards points
I think they can do as they well please, but I don't think raising the AF is all that common. And yea you can do a product change to avoid paying the AF. I've read people going from CSP to Freedom Unlimited pretty regularly.
Thinking about getting the CSP or Citi Prestige, but I have $800 worth of Southwest gift cards and $500 of AirBNB so I duno if I'd be able to take advantage of their perks Went ham with the Samsung Pay promos.
Balance transfers are usually 3-4% on the next card. You're looking at about $60-80 added on the balance just to transfer it. Your interest on $2k won't total that in 2 months.
What's the best Cashback card to get? Discover it? I have a BP Visa card that was with Chase but got switched over to Synchrony bank, and I have a Sony Rewards card that I never use. I never really save that much on the BP rewards (just $ off gas every few months) was thinking about asking for a CLI for them since it's only at $6k. Just want another card for bonuses...If I get another carday will asking for a CLI be a bad idea for this card? FICOs at a 793
not worried about the money part, the interest or the transfer fee I'm fine paying since I know it's inevitable. What I'm worried about is, would my credit score take a hit more from having an interest on my debt or opening up a new card (hard pull). I just don't want anything affecting me in the long term that's gonna be hard to fix.
You'll take a harder hit by opening another card. What's your credit limit?