• Paying off credit card early?

    Is it okay to pay off a credit card purchase a couple of days after the purchase, or wait until the monthly bill? Will it improve my credit score if I do pay off early? I make many small purchases here and there and would like to pay them off ASAP rather then wait for a month. I also want to keep my credit... show more
    Is it okay to pay off a credit card purchase a couple of days after the purchase, or wait until the monthly bill? Will it improve my credit score if I do pay off early? I make many small purchases here and there and would like to pay them off ASAP rather then wait for a month. I also want to keep my credit utilization low. I'm new to credit, so I'm a little confused.
    12 answers · 16 hours ago
  • Need advice for car rental (bad credit)?

    So I want to rent a car for a vacation trip, traveling from Florida to New York and back, total rental time would be about 2 weeks, I have pretty bad credit but I am willing to pay a cash deposit up to $1000 plus rental costs all up front. I have a credit card but it has a low credit limit of $200 and is maxed out... show more
    So I want to rent a car for a vacation trip, traveling from Florida to New York and back, total rental time would be about 2 weeks, I have pretty bad credit but I am willing to pay a cash deposit up to $1000 plus rental costs all up front. I have a credit card but it has a low credit limit of $200 and is maxed out at the moment (it is in good standing however). I also have a debit card which is also in good standing with Wells Fargo for 10 years now. My age is 26. What are my options? What can I expect to pay? I have a completely clean driving record, never been pulled over, never had an accident, had my Florida drivers license for 8 (almost 9) years now and have owned many vehicles (again never having any kind of traffic incident of any kind). Thanks for the help.
    11 answers · 2 days ago
  • Chances of getting approved for $40,000 car loan?

    I have one credit that's been open for about 2 months... it's secured through Greendot, and just got one through my credit union like 2 days ago. Which both will be the start of my credit journey. I have a THIN FILE: I'm 26 and just graduated college last year. I been at my job for about 7 years, but... show more
    I have one credit that's been open for about 2 months... it's secured through Greendot, and just got one through my credit union like 2 days ago. Which both will be the start of my credit journey. I have a THIN FILE: I'm 26 and just graduated college last year. I been at my job for about 7 years, but after graduating last year I was offered the position of a Logistic Analyst where I make $65,000 a year. Plus I have a landscaping business that I made a few thousands with so far. I have about $8,600 for a down payment. What's my chances?
    11 answers · 2 days ago
  • Getting medical bills that went to collections off credit report?

    Around 2 years ago I went to the emergency room for a really intense cough I had. A few months later I went again for I can't even remember what. I have insurance, but I still ended up owing almost $900 for the first visit, and about $120 for the second. I paid the $120 fairly quickly, but the $900 went to... show more
    Around 2 years ago I went to the emergency room for a really intense cough I had. A few months later I went again for I can't even remember what. I have insurance, but I still ended up owing almost $900 for the first visit, and about $120 for the second. I paid the $120 fairly quickly, but the $900 went to collections. I haven't been in a good financial state, so I haven't been able to pay it. I received a letter last December saying they'd settle for $600 if I paid in full within a few weeks, unfortunately I wasn't able to pay that either. I recently made a payment plan with them to pay the debt, I was just wondering what steps I could take to get it off my credit report. So far it's brought it down almost 100 points, I really want to get that back up to where I had it.
    20 answers · 6 days ago
  • Why are credit card companies asking me about paying my dead moms balances?

    Best answer: if your name is nowhere, and you signed nothing, you are not responsible
    Best answer: if your name is nowhere, and you signed nothing, you are not responsible
    15 answers · 4 days ago
  • Can i close a credit card ?

    I opened a tj maxx credit card today and i changed my mind and would not like to have it . If i cancel the day after will it affect my credit health? I have NOT used it .
    I opened a tj maxx credit card today and i changed my mind and would not like to have it . If i cancel the day after will it affect my credit health? I have NOT used it .
    6 answers · 1 day ago
  • Can you have a Credit Card at 16 if you have a job?

    Generally i wanted to know this question because i wanted to start credit build up by the time i graduate. Im graduating at 17 (so soon).
    Generally i wanted to know this question because i wanted to start credit build up by the time i graduate. Im graduating at 17 (so soon).
    19 answers · 6 days ago
  • Approved for two credit cards?

    So, I am college student and I got approved for two credit card one is secure credit card from discover the other is unsecure card for first premier bank card. For discover I have to put a $200 security deposit. The other one I have to pay $95 progress fee,annual fee of $99. I don’t know which one is the best fit... show more
    So, I am college student and I got approved for two credit card one is secure credit card from discover the other is unsecure card for first premier bank card. For discover I have to put a $200 security deposit. The other one I have to pay $95 progress fee,annual fee of $99. I don’t know which one is the best fit for me. I want to go with discover card but I have to wait two weeks but I already have the other card I just have to pay the $95 for it to work. I want to build up my credit and try to get me a car.
    4 answers · 8 hours ago
  • My divorce attorney told me that major credit lenders rarely sue for credit card debt under $5,000. Is he right or should I find one?

    Who will go after my husband to help pay this
    Who will go after my husband to help pay this
    6 answers · 3 days ago
  • Can Liberals tell us?

    What LIE is worse of Trumps than the one about my Health Insurance?? Now a LIE is when you knowingly try to mislead not what you perceive. So Please give us a list or at least one?
    What LIE is worse of Trumps than the one about my Health Insurance?? Now a LIE is when you knowingly try to mislead not what you perceive. So Please give us a list or at least one?
    15 answers · 6 days ago
  • Numerica overdraft fees?

    When I created my account I was told I had an overdraft protection of 75 dollars, and it would then be declined. I was warned that using that 75 could result in a fee. I do not check my account regularly, only open the bank app and check the balance - I was unaware that my balance being in parenthesis meant that it... show more
    When I created my account I was told I had an overdraft protection of 75 dollars, and it would then be declined. I was warned that using that 75 could result in a fee. I do not check my account regularly, only open the bank app and check the balance - I was unaware that my balance being in parenthesis meant that it was overdrawn. I somehow got up to an overdrawn amount of almost 700 dollars because my small purchases accumulated $30 for each transaction. I found my paperwork from when I signed up and I did opt into "courtesy pay," - but nowhere could I find anything that stated a limit on the amount. I was told 75. When I called about this they told me that after one month itgoes up to 700. Nothing to show either of those things in paperwork. I would not have continued to make small purchases if I had known about this. I was expecting my card to be declined once I hit 75 dollars, but I was depositing my checks not realizing that most of that was being taken out for overdraft fees. They charged me almost 1000 dollars just in fees within a two week period. I should have been more careful and checked my account, however, with there not being anything showing a limit of 75, or a limit of 700, am I within my rights to ask that they dismiss all charges after the first 75 dollars was accrued? Particularly since they admit that it began as 75, but supposedly increased to 700 after a month and there is no indication of that in the paperwork.
    8 answers · 4 days ago