Archive for September, 2009

I want to pay off my credit card debt. What are the best consolidation services I should use?

Credit card application
I owe roughly $15,000 (between two cards). I was young and immature when it came to money and now I have to pay the price. I tried to get a new credit card to consolidate both balances but I was told in an application that my credit score was lowered by too many enquiries over a period of time (big bummer) so I can’t get a new card. I almost went with Capitol One, thats how desperate I was. But alas I’m still stuck with these two high interest cards. They’re college cards that I got when I was 18 (24 now). I tried to get the companies to lower the interest rate but they gave me a song and dance about the rates being on perma-set rate. So i need advice/help bad. :-(

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What is the best credit card for a student building credit?

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I want to open my first credit card to start building credit for the future. I just started commuting to college instead of dorming so I was thinking I would just use it for gas or other small purchases and I absolutely would not default on any payments. I don’t need cash back or any weird rewards (ie: flyer miles) and I would like as low interest as possible. I know a ton of people that have the bank of america card and it seems pretty good but if you have any other suggestions or sites where I can compare features, list them here!

Also, do you build credit any faster if you have a more “risky” card (like higher interest or one with a low grace period)???

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How good or bad is this credit card?

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My credit card has a 8.99% APRfor purchases and a 19.99% for cash advanaces? How does this card compare to others seeing that i am still a college student? I have always made it a point to pay on time and always more then the minimum payment and have transferred a couple of other balances at 2.99% APR for the life of the loan. Currently i am satisified with the card what do you think?

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why cant an APO address be used to make a purchase? its the billing address on my credit card?

Credit card application
tried to make a game purchase and I am told that my billing address is not correct for the credit card. no APOs are listed on the “state” of the application. Application not accepted wothout state listed.

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How can I consolidate multiple credit card debt?

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I am 21 years old, and I have multiple credit card bills each month. I have not used these cards in over a year and most of the debt is from classes. Due to recent economic downturns, my hourly pay has been cut, and my hours slashed. I cannot afford to pay each debtor. How can I “refinance” my card debt into a single bill, hopefully with less interest so I can actually PAY it off.

The total debt is around $2500. My credit score is probably small due to my age and debt.

I need to get this under control, especially now as I look for a new job because I scored a whopping 8 hours of work this week, compared to my normal 40.

Thanks

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How/Where can I get credit card with little to no credit history?

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I have never had a credit card. And I do not have bad credit just no credit history. Where is the best place to find one so I can start builing my credit?

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Can I get an unsecured credit card or a department store card with my credit?

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My credit score from all 3 credit bureaus are in the 500’s. Can I get unsecured card? I’ve tried First premiere and Capital One.

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Need Help with Ex-Girlfriend! Really Confused! Need Advice?

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Hi guys I know this is pretty long but please help me out if you can find it in your heart to aid a really down college student.

I will choose a best answer and dish out points whenever possible

Alright so basically, my ex-girlfriend and I broke up like 3 months ago because she said that she needed time to “grow up”. Basically, we decided to still be friends because we really still like each other and get along great. However, I am still very much in love with her.

The problem is that lately I’ve been feeling really down around my ex and kind of jealous and I don’t know why. She’s basically perfect at everything. She’s very attractive because a lot of guys flirt with her, wears size 00 pants, exercises constantly, her parents are wealthier than mine as she lives in a half a million dollar house and her dad retired at the age of 48, she always gets whatever she wants (material-wise), she makes friends easily, has time to join lots of clubs in college, works as a store model for Abercrombie and has a higher GPA than me while majoring in journalism, and sometimes I feel like she has all of God’s blessing even though she is extremely atheist.

However, I am the complete opposite as I always work for what I get. I’m in one of the top 10 business schools in the nation but struggle to maintain a 3.0 GPA and spend most of my time studying, I haven’t met very many people in college because I’m trying to save money by living at home with my parents (my ex lives in the dorms which her parents pay for), I spend all my free time at home, I don’t find myself as attractive because I’ve only worked for American Eagle and I am Asian, my parents want me to earn things so I have to work to pay for my clothes and stuff unlike my ex, and lately I’ve felt like God’s deserted me even though I try to follow his teachings.

I just feel crappy to the point that I’ve been unmotivated to study and I want to sleep all day. I’ve stopped going to the gym and I have been wallowing in my own self-pity, I’m always wishing that my parents were a lot richer because my ex gets to finish college at her own pace while I’m pressured to finish in 4 while her parents can also afford to let her take summer classes to make her workload easier while I don’t have that luxury.

The only thing I feel like I have an advantage over her is that I know how to invest and save my money better than her because she can’t save her own money at all. She doesn’t even know how the basic definition of a stock or how a credit and debit card work.

Despite all this I feel like God’s let me down. Why does he bless people that don’t believe in him? Should I stay away from my ex even though I still love her? She is white and we’ve known each other for 4 years and dated each other for 2 and a half years. Can a relationship with 2 different people like this work out again? Why do I feel this way? I get really jealous because no girls flirt with me at college compared to guys hitting on her. What should I do?

-Please help torn college student

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Can I only apply for this Credit Card?

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Im about to apply for a credit card and im new to this drill. Im comparing and weighting to pros and cons. By the way, if someone knows of a good website or a good credit card for college students, Please refer.

To go back my original question, i wanted to know if i have to be a customer of a bank to apply for its credit card. For example, what if i want to apply for the CITI® mtvUTM PLATIMUM SELECT® VISA® CARD, should I be a Citi Bank customer?

I only have funds in Wachovia (Checking and Savings), can I ONLY apply for a credit card from Wachovia?

Thanks a lot in advance!!!

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What would be better financially to do?

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Okay, i am 24 years old, and compared to others my age, i am not in debt at all. But compared to my salary, I am in debt. I owe 675 dollars (that’s six hundred and 75 dollars!) on my credit card that has a rather high interest rate. Right now I have 849 in my checking account which is better than I’ve had for a very long time (the avergae I have in my account after main bills are paid is 100 dollars or 25). I get paid at my clothing store job every 2 weeks, just got my check today, and my other job with the school district once a month. My next check from the school dustrict comes on Nov. 10 and will be roughly 1,200 dollars. My minimum credit card bill is due on Oct. 19th, but when I pay the minimum, bc of my interest rate, it doesn’t change the amount, only keeps it from getting higher. I owe my dad at least 100 dollars this month for my car, my mom at least 73 for insurance, and to keep my end of the bargain up with my boyfriend whom I live with for free, about 75 for groceries. I w
I was wondering if I should pay my whole credit card bill and just have no balance left (this balance has been dangling in the air now for quite awhile now, and what a relief it would be), or should I only pay say about 100-200 and have money left over for my other bills and even when those are done still have money left over? If I pay my whole credit card bill I will only have about 175 dollars left in my checking account, only enough for groceries and my phone bill, not the bills I owe my parents, who are understanding about it. And I won’t get another check until the 26th of Oct from the clothing store I work at, and it will be optimistically about 340 dollars. What would be the wisest thing to do financially? Should I wait til my bigger check from the school district on the 10th of Nov. comes and use that to pay it?

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