Posts Tagged ‘credit cards’
What does it take to get credit for small businesses?
Long story short.. My bank is a credit union, although I love them and we call each other by name, their business banking leaves something to be desired... At the moment, I have a decent amount of start-up capital, and a full time job. In a few weeks, my business launches and starts marketing. So far, I have used credit cards on my personal [...]
where did the additional funds go?! (kind of long, please answer!)?
My husband refinanced our home with wells fargo financial (NOT the same as the actual Wells Fargo, we found out a few weeks ago) on a 12 year note in 2008. it was originally a 30 year term. we had been dating for about 6 months, so it was really none of my business at the time. the payment went from a little under 500 per month to 950.80 per [...]
Has Capital One Visa frozen your credit card account due to a merchant security breach as of Nov 29, 2007?
Capital One mass-canceled a number of their credit cards due to a merchant security compromise. They claim this is necessary to protect their account holders from fraud. However, Capital One has yet to release the merchant's name. This merchant is a security liability and should be avoided. Does anyone know who this merchant is? Serious replies [...]
Recommendation for merchant account for a small retail business?
Can anyone recommend a low fee and % merchant account in order to accept credit cards at my shop? I think Chase is giving the card machine for no fee with their merchant services. Any others?
Does an unsecured credit card build credit faster than a secured?
I'm new to credit cards. I keep getting sent these crap mass mailings for unsecured ones and apply to them just to deny me. Really a waste of time and annoying. So I'm applying for a secured one with a 200$ security deposit. Two questions...First does a secured build credit any faster or slower than an unsecured card? And is 0 bound to be my [...]
My 79 yr old parent is being harassed by Chase……?
Prior to the financial collapse in this Country and Hurricane Katrina, my elderly, 79 yr old mother, helped my brother obtain a Chase Southwest Visa. This card was obtained so that we could start a business of buying hurricane damaged homes, fixing them up and then selling them for profit. A business loan, a line of credit, was giving to my [...]
match the #s with letters?
1 Funds cannot be removed from this savings account until the end of a certain period of time 2 A type of loan used to buy real estate 3 The amount borrowed in a loan 4 The largest source of income for banks 5 Provide the most services and play the largest role in the economy of all types of lending institutions 6 Requires customers to [...]
match the #s with letters?
1 Funds cannot be removed from this savings account until the end of a certain period of time 2 A type of loan used to buy real estate 3 The amount borrowed in a loan 4 The largest source of income for banks 5 Provide the most services and play the largest role in the economy of all types of lending institutions 6 Requires customers to [...]
match #s and letters?
1 Funds cannot be removed from this savings account until the end of a certain period of time 2 A type of loan used to buy real estate 3 The amount borrowed in a loan 4 The largest source of income for banks 5 Provide the most services and play the largest role in the economy of all types of lending institutions 6 Requires [...]
My banks keep messing up my loans/terms, any advice?
I had a few loans out through my significant other, one small one that i used for a car about ,000, one larger one for about ,500, and then we had some combined stuff to do around the house, etc, so that was a home equity for about ,000...all in all those were gotten about a year or two fairly closely together though, and they all started out as [...]
What's the best way to take credit card payments online?
I have a store, an eBay store, and a seperate internet store. I accept payments online through PayPal, but I have a credit card terminal in my brick & mortar store so I can run cards when the numbers are given over the phone. The problem is that people who select the "Credit Cards" option on eBay, or who would like to pay that way [...]
Will Closing low limit Credit Cards negatively effect my credit score?
Hello, I am currently in the process of credit recovery as I look into buying a condo. My credit score is currently around 690. I have 6 credit cards, with the following limits: Bank Visa-,500 opened 09/2006 Mastercard- 0 opened 11/2007 JC Penney- 0 opened 09/1997 Walmart- 0 opened 11/2006 Mastercard- Best Buy 0 opened [...]
Will Closing low limit Credit Cards negatively effect my credit score?
Hello, I am currently in the process of credit recovery as I look into buying a condo. My credit score is currently around 690. I have 6 credit cards, with the following limits: Bank Visa-,500 opened 09/2006 -00 balance Mastercard- 0 opened 11/2007 - {content} balance (last used a few months ago) JC Penney- 0 opened 09/1997 - {content} [...]
Over the last 9 years I have managed to rack up substantial unsecured credit card debt. I do not have any?
assets, other than the 00 of equity of my house. If I just stop paying my credit cards, and wait out the statue of limitations, will the debt go away, regarding the credit cards? I can live with out the "just pay it" and "get a life" remarks. Please only helpful answers. I don't need to know if you think I'm terrible [...]
I always tell off, and talk back to my bosses, is that good or bad?
At 22, I learned "when you work for someone, you give your boss power over your life". I had a boss who would be constantly reminding people how much they needed their job, and how she could fire them at any time. She'd say things like: - "It'd be pretty sad if you couldn't pay your daughter's tuition no more" - [...]
What would be my best bet for paying down credit card debt?
For the first time ever I have an excess of student loans available this semester totaling 00. I decided to take the extra. The interest rate will be between 6-8% so it is much lower than my credit cards which range from 17.9%-22.24%. My thought process was to pay off some of my higher interest debt with the 00. I have 4 lower balance credit cards [...]
Getting divorced and bankruptcy??
My boyfriend's "soon-to-be-ex-wife" is filing bankruptcy on her car, credit cards, and their house. Keep in mind though, she does not live in this house and he makes all the payments for it and has from day 1. She wants no financial responsibility for it and has told him that. He is also in the process of selling it so that him and I can [...]
PayPal and the IRS, help!?
Hi! Here is my question; A hypothetical example, Joe decides to clear out his basement of old vinyl records. Over the year, his collection sells for around 00. Normally, without question I would say that Joe should definitely report the money when filing taxes. However, I seem to be finding conflicting information about this. Check out what it [...]
What change does Obama have in mind, health care, good ol boy’s, more taxation? ?
Who is going to pay for this change? Change we Americans need, a 1960's civil rights backlash, and more economic depression we don’t. Political experience plays a major role in how to cross party lines to complete a bi-partisan bill for the greater good of mankind. (Certainly not gay marriage) Most would agree that Lincoln and Kennedy served [...]
Can I buy a home after going bankrupt – or is there a better alternative to bankruptcy?
I'm hoping to get some honest answers from either those who have gone through the process, or those who work in finances. And yes, I plan to speak with a professional advisor, but want to get some opinions first. I live in Canada. Over the past few years, I've had some health issues that have made it impossible to work steadily, and I've built [...]
How should I handle Mercedes purchase?
I have: credit score approx. 630 (high debt-to-limit on 2 credit cards and limited history is the reason for my low score; no late payments.) Good income--I can afford a car payment and still save a good amount each month. Being a young businessperson I need to improve my vehicle situation, I drive a poor vehicle now. I'm looking for a [...]
My partner and I are determined to buy a home within the next 2 months; any information?
I have gone to get prequalified and I am waiting to see what sort of loans we may be qualified for; I have been to the FHA website to try to gather information. I am from PA and we are looking to move to jim thorpe, lehighton, weatherly area. I am not sure exactly how the home buying process works or even what we can get, since we are not even [...]
Owe creditors and attorney money?
I went through a divorce 3 years ago, I was a stay at home mom. My ex husband was not willing to pay off our credit cards and now I have judgements under my name. He also had two attorneys, so I had to hire one. I still owe him ,000. I can't pay any of this. I have not been working for over a year and am having a hard time to find a job. I [...]
help please!?
I need an advise as to whether debt consolidation is my best option for now. I have a total of 00.00 credit cards and miscellaneous debt. I recently applied for employment insurance as I am taking maternity leave. As for now, I am still waiting for my application to be processed and have stopped receiving pay from my employer. I'll be [...]
I have a Bankruptcy Question?
My husband and I have been advised that our best bet for purchasing our own home in the future will be to file bankruptcy now and deal with the reprocussions. We dont know much about filing bankrupty other than we will have to pay a lawyer to do it and that it will cost less then paying off the things on our credit and will take less time to [...]
Secured vs Unsecured Credit Card?
I am aware that a secured credit card will help me boost my credit score as long as a I pay on time, but if I can get qualified for an unsecured credit card, should i get one? Basically my question is, will one raise my score faster or higher than the other? Do lenders look down upon "secured" credit cards?
Winning an Auction on Ebay?
Hi everyone! I'm a fairly new user to the world of eBay. For the most part of my life, I've only purchased from buy it now retailers like Amazon. Today, when I got bored, I checked on eBay. I've been looking recently into buying an Xbox360 Elite (120gb). This is my first day using eBay, but I'm already fully recognized to the method of Snipe [...]
Can I file for bankruptcy?
I couldn't get a loan for my small business and I endup using all my credit cards to cover team, supplies, trips for our team riders, rent, goods and services, some equipment, etc.. The business was as sole and all the card were on my name. So is my personal line of credit. I was hoping that it will payback the bills and didn't go that way. I [...]
Why are adoption ads (and PAPs) responsible for adoption?
I recently asked a question about why APs are the "bad guys" in adoption. I pointed out that the decision is made by the expectant mother without any input or involvement from the PAPs. One of the answers claimed that adoptions would not occur if it were not for the adoption agencies' ads. Again, I ask why the ads and PAPs are [...]
Should I consolidate my debt?
I'm in the process of trying to get approved for a mortgage. I don't have alot of debt. I have 8,000 on my car left. And 1,500 in credit cards. My husband has 4,000 in credit card debt. We were thinking about doing a debt consolidation and emptying the credit cards and having the one large monthly payment. Will this hurt, or improve our chances [...]
