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- Dec 6, 2012
serious? Not having credit can diminish your options, housing, car, loans (personal and student). Unless you're a millionaire that isWhy do you want to build your credit? Credit is just a trap.
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serious? Not having credit can diminish your options, housing, car, loans (personal and student). Unless you're a millionaire that isWhy do you want to build your credit? Credit is just a trap.
taking out a loan to payoff credit card , good or na ??
3000 in cc debt 1 card 1675 , other card 1410Need more info... Rate on cc. Rate on personal loan. Amount and term of personal loan?. Secured or unsecured?
Answer those questions and ill answer yours.... Could be good. Bad or irrelevant
50k? thats pretty high... essentially $500. I'm assuming the offer was for a charge card... But typically they waive the first year fee?So like i said i WAS thinkin about amex... Apparently they have bots all over the web cuz i got a pre selected thing n the mail from them today.
50k points for spending 1k in the first cpl months.
Seemed like a hella sweet deal until i jept reading... 175 dollar annual fee.... LULZ.
Passs
Actually... having debt diminishes your options. Not willing to take on debt just causes you to work harder and get more creative with coming up with the capital to buy the items you want.serious? Not having credit can diminish your options, housing, car, loans (personal and student). Unless you're a millionaire that isWhy do you want to build your credit? Credit is just a trap.
3000 in cc debt 1 card 1675 , other card 1410
loan is unsecured 4 years 15% 3200 about 89 bi weekly
50k? thats pretty high... essentially $500. I'm assuming the offer was for a charge card... But typically they waive the first year fee?
If it's waived i would just take the offer and change the card to a revolver when the free year is up or cancel it
How much does credit length factor into your credit score?
I have a car loan and mattress loan (Bad back- tempurpedic) and one CC. Credit score is at 690.
I've had them less then a year, never had any credit before these.
All payments on time, no utilization on my cc. just 11,000 left on car, 4,000 left on bed.
How much does credit length factor into your credit score?
I have a car loan and mattress loan (Bad back- tempurpedic) and one CC. Credit score is at 690.
I've had them less then a year, never had any credit before these.
All payments on time, no utilization on my cc. just 11,000 left on car, 4,000 left on bed.
Ish...
Nobody but FICO knows the true formula/values (which is a croc of **** if u ask me)
3000 in cc debt 1 card 1675 , other card 1410Need more info... Rate on cc. Rate on personal loan. Amount and term of personal loan?. Secured or unsecured?
Answer those questions and ill answer yours.... Could be good. Bad or irrelevant
loan is unsecured 4 years 15% 3200 about 89 bi weekly
1 card was 27.99 in interest 2nd card was 22.95 i cant get new card with higher limitDon't take out a personal loan with that much interest. If you're gonna play the debt swap game, be smart about it.
My advice: rollover the debt on the two cards into a new card. Preferably one that has a 0% intro. rate for 15 to 18 months. This will allow you to make interest free payments for the specified period, and that will go a long way in helping you decrease your overall debt load.
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Have you looked into something like Lending Club or Prosper to see if they can offer you that amount with a lower interest rate? I know lots of people would rather invest in your money than having it go to the bank.1 card was 27.99 in interest 2nd card was 22.95 i cant get new card with higher limitDon't take out a personal loan with that much interest. If you're gonna play the debt swap game, be smart about it.
My advice: rollover the debt on the two cards into a new card. Preferably one that has a 0% intro. rate for 15 to 18 months. This will allow you to make interest free payments for the specified period, and that will go a long way in helping you decrease your overall debt load.
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I had Capital One CC starting out and had a $300 limit. After paying early every month, I got it raised up to $2000 after a few months.
six months or shorter if u recall ?wats a few months?
I had a Discover card for year and just got a CapitalOne tonite (Limit $500)
lower the usage not suppose to use majority of the balanceMy credit score went down like 80 points because i have two cards that are almost full. Will the best way to improve my score just to pay them off
Im not sure what I can do.... I have two credit cards that I am using wisely but other than that my credit is filled with Student loans from undergrad and grad school that I am up to date on.
When I look at my credit report....it tells me my loans are negatively impacting my credit but at the same time it tells me they are helping my credit because they are all in good standing and their my oldest accounts.
Paying off the loans is the goal of course...but thats not a overnight process because its a high dollar amount. Its gonna take awhile
Any ideas for me? I wanna qualify for a mortgage within the next year.