Archive for April, 2009

Credit Card?

credit card
I am an 18 year old student looking to establish credit. I know all the responsibilities of having a credit card, im just wondering if it would be acceptable for me to call a credit card company and ask them to give me a credit card.

I can do that, correct?

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Microsoft Complaint suggestions?

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I have an xbox 360. Last November the disc drive broke, I called in and got the run around I had expected. The thing is that it took them two weeks for them to give me the ability and try and get it fixed (send it in). I sent it in, and it was “fixed” (I suspect that they took miscellaneous parts to fix it, but what company doesn’t?), upon the xbox’s re-arrival I found out that I have a 30 day warranty that comes with it. I call into customer support (my warranty was about to expire) and purchase a new warranty for $24.95, I purchase said warranty and don’t think about it again…

Now my xbox is broken, but they refuse to see it that way. The disc drive is at the point where it is misreading discs (calling games DVDs), and at times flat out not reading the disc. Not only does it have technical problems I can identify, but it also makes a loud noise when I put in a disc ( it makes a THUMP THUMP THUMP when I insert a disc and it is NOT an except able amount of noise).

I call technical support having unplugged it and turned it on and off. The technician led me through those same steps, I followed them to no avail. They have me pop out the hard drive and put it back in… it doesn’t work. They have me take out the hard drive then leave it out… it works! Wait a second though, I can NOT get on LIVE nor can I even save a game. When I addressed this problem they just suggested I play without the hard drive and then sometimes with the hard drive. Well this isn’t acceptable to me, to compare it to something it’s like waking up every morning going to your car and it may or may not start and you may or may not make it to work. That is unacceptable.

They told me to play with the hard drive in and out (switching from time to time)… translation- It will be very touch and go.

This is where things start getting truly tricky. Remember how I said I bought the warranty? They say I never did, I am in the process of reviewing the credit card statements to find this charge for the warranty.

So my question is, “Can I can complain?” I do not mean be irrational. I don’t really know what course of action to take, I feel helpless to this major corporation… surprise I feel cornered by a major corporation… yep America.

HELP ME! SUGGESTIONS NOT THINGS THAT WOULD GET ME NO WHERE, PERSONAL EXPERIENCE IS WELCOMED BUT DO NOT TELL ME TO DITCH MICROSOFT AND HEAD TO SONY (although that is on my mind).
…dig through the ditches essentially?
May I mention that in their eyes the problem is fixed.
I called again, I spoke to a new person. While speaking with the representative I explained to him that it was in fact not practical to always be popping out your hard drive (and it exacts the same way with the hard drive in or out) and they agreed! Things have taken a turn for the worse though it takes a full 5 minutes to get to the dashboard (I timed it).

*sigh* One intellectual victory now actually fixing the hardware battle I’m in.

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Does applying for a credit card have an effect on your credit score?

Credit card application
I am looking to get my first credit card. I think I have one picked out, but before I send the application, I want to know of any effects that the application will have on my credit score.

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Can you use Bill Me Later with Walmart’s credit card offer of no interest for 12 months?

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I know walmart has the offer of No Interest for 12 months on orders 299$ and up for their credit card. Can you use Bill Me Later as well and still have no interest? Will choose best answer

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What companies offer unsecured credit cards for people with bad credit?

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Please forward info to me

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What is the best credit card with no annual fee and low interest rate for simple purchases?

credit card
I want a credit card mostly to make reservations and maybe occ. other purchases, which card would benefit me most and have no annual fee and low interest rate and have a good grace period?

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Will moving my student loan to a credit card lower my credit score?

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I currently have about $15K in student loans at around 8.5% (variable rate). They are private loans, NOT federal. My credit card is offering 4.99% for balance transfers until paid in full. Will it hurt my credit score to move this debt to my credit card? I know that the mix of revolving debt v. term debt is a consideration, but I don’t know if it’s significant enough to be paying the higher interest. I have 8 years left on my term loan right now (10 year loan).

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How does someone build credit without a credit card?

credit card
I am thinking of those who do not have a credit card and pay for everything by check and cash. How is their credit rated? Is it based on a loan for example (car, student, etc.) and what if it is their first time applying for such a loan? How is their credit history looked at then? What if someone is applying for an apartment rental and does now own a credit card?

I have always wondered this.

Also, some people, after having paid off their debt, switch to using cash or check only, but apparently no activity at all on your credit card accounts isn’t good either.

Any input?

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Wedding Invites–who goes who stays?

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Alright long story short.my fiance and I used to be very good friends with two other couples since college. We drifted apart from them due to jobs/location and just different lifestyes and interests. The two other couples remain good friends. The girls and I no longer talk and two of us live in the same town and if we run into each other it’s a very brief “god get me out of this conversation” type of thing.
He wants them to be invited—I think it’s a waste of time especially since in the last two years they had not been good friends to us.
We were slower at getting financially stable out of college compared to their successes. We were excluded because we chose to not do things (vacations, parties..etc) based on finances. One day they finally stopped inviting us because we always said we couldn’t afford it-which was true. We always explained that we just couldn’t do certain things with them because we were trying to save for a home, and get out of credit card and student loan debt. Now that we are doing great–it’s like they are dumbfounded and can’t believe we are even getting married. Now this is hear ’say’ from another friend but at a recent get together the two girls said “i bet thier wedding won’t even be a good time because they probably couldn’t afford to have a nice one”. It may be an exxagerated comment since I didn’t hear it myself, but knowing how I know these women–it’s likely truth in it.

Anyways. I don’t think they need to be at our wedding. He doesn’t talk to the guys (their husbands) anymore but still feels they should be invited. Me and the girls had drama over the drifting a part crap. We’re going on 26….and i really don’t have time or want to deal with drama.
Wedding planning is enough drama. How can I convince my fiance that they really should not be welcome at this special event?

And on another note–why take the drifting a part so seriously ladies??? I expected as people get married, have kids you don’t see friends as often. It’s nice to get together on some weekends and catch up, but other things become priorities and I just don’t get why people take it so over the top…..
Thanks for the great advice! after reading some of your post I realize that it’s better to work at convincing him they should not be there (his mom is on my side with this ;) ). I know I will be busy that day but just the fact of having them there will be a damper because it will bring up memories of the negativity they had shown towards us and likely still do….

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