Archive for the 'Credit Cards' Category

Head back towards zero and start over?

I am considering selling off most of my assets to pay some of my debts, and want some outside advice on if I should. I’ll try to be as brief as possible.
Current income is about $28K per year; there is reason to believe that will improve shortly, but nothing promised.
Assets:
I have about $28K […]

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Head back towards zero and start over?

I am considering selling off most of my assets to pay some of my debts, and want some outside advice on if I should. I’ll try to be as brief as possible.
Current income is about $28K per year; there is reason to believe that will improve shortly, but nothing promised.
Assets:
I have about $28K […]

Continue...

Is a joint credit card a good or bad idea?

My fiancĂ© and I are considering getting a joint credit card and I had a few questions about it. Background: Engaged to be married, living together and all finances are joint (with the exception of assets in existence before we moved in together six months ago). We have four credit cards between us, […]

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Is a joint credit card a good or bad idea?

My fiancĂ© and I are considering getting a joint credit card and I had a few questions about it. Background: Engaged to be married, living together and all finances are joint (with the exception of assets in existence before we moved in together six months ago). We have four credit cards between us, […]

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Credit card cancellation consequences?

Posting for a friend: My friend was bad about paying bills on time for a credit card over a long period of time (multiple years). It’s one of the major blemishes on their credit score right now and the issuer has just decided to cancel their card. The question is, how much will the issuer […]

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Credit card cancellation consequences?

Posting for a friend: My friend was bad about paying bills on time for a credit card over a long period of time (multiple years). It’s one of the major blemishes on their credit score right now and the issuer has just decided to cancel their card. The question is, how much will the issuer […]

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Pay at the Pump

Can gas station attendants access my credit card number when I pay at the pump? Similarly, can any normal cashier/bagger/checker/etc. at a store with a self-swipe console charge my account after I have left? Of course, the store’s corporate computer needs my number, but it seems like the point-of-sale employee is outside the transaction. […]

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Pay at the Pump

Can gas station attendants access my credit card number when I pay at the pump? Similarly, can any normal cashier/bagger/checker/etc. at a store with a self-swipe console charge my account after I have left? Of course, the store’s corporate computer needs my number, but it seems like the point-of-sale employee is outside the transaction. […]

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I want to pay off my credit card debt once and for all. Is selling mutual funds the best strategy to do this?

I want to pay off my credit card debt once and for all. Is selling mutual funds the best strategy to do this? I am coming to terms with my credit card debt. This means calculating my total debt and creating a realistic payment plan that works with my income as well as discontinuing the […]

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I want to pay off my credit card debt once and for all. Is selling mutual funds the best strategy to do this?

I want to pay off my credit card debt once and for all. Is selling mutual funds the best strategy to do this? I am coming to terms with my credit card debt. This means calculating my total debt and creating a realistic payment plan that works with my income as well as discontinuing the […]

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They forgot to charge my card for 3 months. Can they now?

If a company had a “clerical error” and forgot to charge my credit card for 3 months, do they have right to charge it now? I took a class back in early October, which I thought that I had paid for in September. However, I received an email from the administrator that stated […]

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They forgot to charge my card for 3 months. Can they now?

If a company had a “clerical error” and forgot to charge my credit card for 3 months, do they have right to charge it now? I took a class back in early October, which I thought that I had paid for in September. However, I received an email from the administrator that stated […]

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CCF Settlement…

Any experience with or deeper information about the Foreign Currency Conversion Fee Antitrust Litigation (whew) settlement? I got the mailing regarding the settlement of the class action lawsuit against banks charging excessive (is there any other kind of bank fee?) fees on foreign currency transactions. The basic info is here: http://www.ccfsettlement.com. You may […]

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CCF Settlement…

Any experience with or deeper information about the Foreign Currency Conversion Fee Antitrust Litigation (whew) settlement? I got the mailing regarding the settlement of the class action lawsuit against banks charging excessive (is there any other kind of bank fee?) fees on foreign currency transactions. The basic info is here: http://www.ccfsettlement.com. You may […]

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Are health care credit cards a good idea for me?

Specialty credit card for healthcare: what say you, hivemind? So, I’ve got until January before my health care package at work kicks in. Until then, I’m on my own. I have a steady job, but I’m paid hourly, so if I get sick, I lose money. I’d like to be able […]

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Are health care credit cards a good idea for me?

Specialty credit card for healthcare: what say you, hivemind? So, I’ve got until January before my health care package at work kicks in. Until then, I’m on my own. I have a steady job, but I’m paid hourly, so if I get sick, I lose money. I’d like to be able […]

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Credit Counseling Before or After Marriage

I am looking to work with a credit counselor to manage our debt. Should I get this done before or after I am married next month? Most of the debt is mine, but there’s a good bit that’s his too and some that is shared. The debt includes a few credit cards, student loans, and […]

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Credit Counseling Before or After Marriage

I am looking to work with a credit counselor to manage our debt. Should I get this done before or after I am married next month? Most of the debt is mine, but there’s a good bit that’s his too and some that is shared. The debt includes a few credit cards, student loans, and […]

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401K Borrowing: Ever even an OK Idea?

I have tons of debt and am just not getting ahead nor falling behind, either, but…. I’d like to use my 401K to solve this problem. Of course, there’s I have a house that, due to the slightly declining market and the fact that I had no down payment when I bought it […]

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401K Borrowing: Ever even an OK Idea?

I have tons of debt and am just not getting ahead nor falling behind, either, but…. I’d like to use my 401K to solve this problem. Of course, there’s I have a house that, due to the slightly declining market and the fact that I had no down payment when I bought it […]

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How do I restore my credit in 2.5 years?

Beyond the obvious (Google and MeFi searches have been done), what can I do to restore my credit over the next 2 and half years? I am recently divorced. My ex-wife had numerous health problems, not the least of which was hypochondria. Add to that her gambling problem, and her lack of desire to work, […]

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How do I restore my credit in 2.5 years?

Beyond the obvious (Google and MeFi searches have been done), what can I do to restore my credit over the next 2 and half years? I am recently divorced. My ex-wife had numerous health problems, not the least of which was hypochondria. Add to that her gambling problem, and her lack of desire to work, […]

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We wanna take plastic!

Help me find the best credit card processing solution for a very specific, slightly unusual non-profit need. A non-profit that I’m involved with sells annual memberships for $10. We’d like to be able to take credit card payments for online sign-ups. That part I can figure out … but, the organization also has a twice-yearly […]

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We wanna take plastic!

Help me find the best credit card processing solution for a very specific, slightly unusual non-profit need. A non-profit that I’m involved with sells annual memberships for $10. We’d like to be able to take credit card payments for online sign-ups. That part I can figure out … but, the organization also has a twice-yearly […]

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How do I buy a house with bad credit?

I want to buy a house. I have 20 grand but bad credit and a long term boyfriend with no money and good credit. What is the best option? I want to buy a house next year but my FICA/ credit score is really low due to a delinquent credit card debt that I was […]

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