Credit Cards
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Robert D. Goodnight (Kindle Edition) 2011-11-18
Release date: 2011-11-18
Price:
$8.99
Answers
Title pretty much says it all! As with many folks nowadays, I am staring down bankruptcy, and would like to get some expert's (or those who have gone through this and succeeded) advice. I have ventured on my own, and have been unsuccessful at achieving either a rate reduction or debt forgiveness.
You certainly aren't alone, so many are facing the same thing.
What you need is a third party, independent advocate, to intervene on your behalf. Call Lifeline or the Salvation Army and ask to speak to their financial counsellor. If you belong to a church, they may have someone who can help you. You may have to wait a little, but do explain how urgent it is and they may be able to delay things for you. Whatever you do, don't go into further debt, trying to get another loan to pay out what you already have.
Also please don't get involved in any 'new schemes'... you have to work with what you have now. There is light at the end of the tunnel.
Best wishes.
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I am contemplating purchasing a used boat which is over 15 years old. I am looking at the best way to finance this purchase and need some input. The only loan I have is a student loan for $4K and the only credit card I have has a balance of $11K with 0% interest for the next 6 months, and then a 8% rate after that. I have a few other credit cards which send me access checks with 0% fee and interest for one year that I could use to finance the boat. I would use $11K in an access check to finance the boat at 0% interest on a second credit card which would increase my credit card debt to $22K with 0 interest for awhile and then 8% on both eventually. However, I believe I can pay off these cards before any interest kicks in. The second option is to get a boat or personal loan for the $11K and pay about 10% interest. I would intend to pay the loan as quickly as possible as well. My question is, should I finance the boat using $11K of credit card at 0% interest or get a bank loan?
I did the credit card thing on my used car...my rate was 4.9%...it was cheaper tjhan a used car loan. Consider this make sure your rate is not a variable rate and make sure you are never late on payments because your interest rate can go up to 30% with one late payment! remember you can alwys do a balance transfer if you get a better credit card offer in the mail!
Price: $109.00
I have a low interest rate credit card through my University, however it offers no cash back or rewards program. I am solely looking for a good VISA,not anything else, rewards or cash back program that doesn't get carried away with high interest rates.
check out www.bankrate.com. You can compare Credit card companies and offers on there. Beware of annual fees, vs reward programs and interest rates.
I'm about to pay off 2 almost maxed-out, high-interest rate credit cards: one with a $7450 credit limit @ 32% APR and the other with a $1400 credit limit @ 27% APR. Incidentally, both accounts are now with Chase since they bought out Washington Mutual. When is the best time to call and ask for a lower interest rate, AFTER I pay off the cards? I'm not sure if I even want to keep the cards open after I pay them off. Thanks for your help!
Those rates seem like they are default interest rates, did you pay late or miss payments?
If that is the case then Chase will not lower the interest rates, they will probably lower your credit limit once they receive the payment.
It never hurts to try, however if they do not you can always leave the accounts open and just use them for small amounts each month, paying off the balance in full each month to avoid the interest payments. Closing accounts that are your oldest credit line will lower your score.
I currently have a CC with WaMu but the interest rate is pretty high, so im looking for a credit card with a good interest rate to pay off my existing card..thanks
Capital One has a card at 6.9% but other than that I can't think of any lower. A lot offer 0% interest on transfers but check the fees.
Buy Cheap
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There is little doubt that over the past year interest rates on borrowing in the UK have rocketed, and many people have been forced to pay a fortune in interest on their borrowing.
However, it seems that whilst lenders are always quick to bump up interest rates when the Bank of England base rate has been increased – and sometimes even if it hasn’t – they are far slower to pass on any base rate cuts to borrowers, and some fail to pass on base rate cuts at all.
In fact, the situation has reached a point where industry officials are concerned that there is no longer any relationship between base rate movement and retail borrowing interest rates from lenders, which means that often borrowers are not benefiting from the base rate cuts, which are being applied precisely to try and benefit struggling consumers.
...News
Best credit buyABC 4 - Oct 24, 2009
For example, if you expect to carry a monthly balance, you should look for the card with the lowest interest rate. Those who pay their entire credit card Udall wants to stop credit card interest rate hikes soonerThe games credit card companies playRebuilding Your Creditall 6 news articles »Credit.com News - Oct 24, 2009
KOMO News"Just in time for the holidays, Congress can lock in a ban on interest rate hikes on existing balances and the tricks that have kept far too many consumers Congressional Fail: Don't Let Congress Take CreditHouse panel ok's expedited credit card billCongress Taking Steps To Counter Credit Card Issuers Raising Rates - -all 122 news articles »
MarketWatch - Oct 23, 2009
CardSmart.co.uk but agreed to exempt smaller credit card issuers from the new deadline. Specifically, the law would only allow interest rate hikes on existing balances Capital One earnings up despite drag of joblessnessCapital One Reports Third Quarter Net Income of $425.6 million, or $0.94 per shareCapital One Profit Rises 14 Percent, Beats Estimates - -all 154 news articles »
Huffington Post (blog) - Oct 24, 2009
BankaholicBy lowering credit lines and raising interest rates, the credit card issuers have put consumers in a hopeless situation. The real consequence of these Credit Card Interest Rates Jump to 29.99%Credit Card Changes You Need to Know Aboutall 13 news articles »
WXIA-TV - Oct 23, 2009
NewsHourAlthough some states have laws capping credit card interest rates, many credit card companies are based in Delaware and South Dakota, which do not. Credit Card ChicaneryCredit card companies are raising rates ahead of new consumer protection lawsCredit Protections May Arrive Sooner Than Planned -all 68 news articles »
Bankrate.com - Oct 22, 2009
MonitorBankRates.comThe average interest rate for all variable-rate credit cards has inched up from 10.86 percent all year, and this week the mean APR scooted 4 basis points to Old credit disputes can scuttle loanall 226 news articles »
Huffington Post (blog) - Oct 21, 2009
The Takeaway29.99% used to be a default interest rate, reserved only for naughty cardholders, who had fallen behind on their credit card payments or in some other way FOX 5 Money: Credit Card Interest RatesCiti Jacks Credit Card Rates To 29.99% On Unsuspecting Customers (C)Citibank Invents "Pretend Rate" For Credit Card - -all 239 news articles »