Dealing with credit cards Dilemma

One of several contributors to a individual’s demanding life is a card. Even though they come in lots of benefits and engaging benefits, what’s more, it is able to guide people to problems that can substantially impact the caliber of living. Card personal debt has become the demanding dilemma related to these plastics, particularly with the economic system more and more volatile. Credit card debt because of credit cards has increased to billions, an no surprise reality really, considering that increasing numbers of people are counting greatly on the plastic-type material.

The Starting Point

Your initial shift you’re making is just about the essential in dealing with a credit card difficulty. You need to know explanation for the problem. Is it due to the excessive charges, the varied costs, the overdue installments, or your significant balances? Is there terminology about the card contract that you do not realize? Once you determine what the issues are, you should begin treating them. Remember that the more you delay your trouble-solving approach, the more severe it will get.

There are a number of issues that you may knowledge as being a card holder. It is possible to disentangle yourself from the difficult scenario through the subsequent:

Combine Debt

A lot of people possessing card deborah have considered joining together their obligations. Since the expression suggests, you will combine or combine your financial obligations into 1. It’s a powerful way to fix economic problems, given it typically includes reduce repayments month after month. The interest rates are aggressive, with lots of offering % curiosity for around 6 weeks.

Debt consolidation loan can be done by making use of an equilibrium transfer plastic card. The secret to success is always to establish just how long you’ll want to settle your loan. Depending on that length, you will be aware how much time the Percent offer you ought to very last. If you think you are able to pay back your bills annually, have a greeting card which has Per-cent fee that remains for about 1 year.

Don’t Ignore Hobbyists

Are lovers getting in touch with constant? Never overlook them. However, take action immediately. Confirm you could pay them and identify a time-frame. Whenever you repay what you owe entirely, they won’t trouble you. If you cannot, they even now should not keep on contacting, particularly in the course of improper occasions with tough words to express. Under the Honest Commercial Collection Agency Procedures Work, all people have an appropriate to privateness. You are able to mail them a stop and desist notice. Whenever they still never stop, you’ll be able to acquire appropriate a lawsuit.

Contact Your Loan company

Should you overlook a payment simply because you didn’t remember your settlement routine, call your loan company instantly if you understand your control. Carry out the exact same if you feel you will skip a pay back in the foreseeable future. This will not only conserve to your credit rating, but can also help you lessen a persons vision prices and late charges. You will find compensated many months of your respective credit card costs, will still be suggested that you simply speak to your provider. This is in order to avoid your consideration marketed into a collection company.

Undertaking all these methods can help you switch your poverty around. Nonetheless, if you can’t look to acheive it alone, you have the option to seek for assistance. You’ll find not for profit companies to help you in fixing your credit card issues.

180 Comments

  • Milford says:

    I hate credit cards, but need to build credit. I would like to have a prepaid credit card and a normal fico building credit card. No annual fee of course. Then I will spend up to my prepaid cards limit on the credit card and pay off the credit card every month with the amount on the prepaid. Genius or problems?

  • Harvey says:

    Can someone just give me a good idea on how to handle my situation?

    Here it goes. I recently bought a 3 bedroom condo. When I moved in my boyfriend moved in with me (we sleep in the same room), and a few weeks later we rented to a friend of ours (Amy). We split bills 3 ways and had a deal of $525/month.

    2 months down the road, Amy asked if her friend (Sam) could stay with us, as he had just been evicted from his apartment. I agreed, and it was decided to make rent 325/month/person and spilt bills 4 ways.

    Anyways, Sam is 1 month late paying rent, comes into the house drunk, yelling at my boyfriend, and is always flaunting his new Bench clothing. We are unhappy, and would like to to send him on his way.

    Our dilemma is, Sam is going through money troubles, and has signed up for a consumer proposal. He hasn’t paid his car insurance in months, and just received word it was cut off. His credit is diminished because of his credit cards he has racked up and is not able to pay. He doesn’t make great money, but $18.00/hour is not bad.

    Is it justifiable to kick him out, even though he literally doesn’t stand a good shot (I am not sure where he would go, I am not sure if his parents would take him in). My boyfriend just offered to help keep track of his money, but he blew a fuse and started yelling at him.

    How can I handle this? I want Amy to stay, but Sam is her best friend… she may get upset and leave.
    I didn’t use their real names, but any advice would be awesome.

    Amy signed a monthly lease, and Sam is just here (no lease)

    Thank you.
    Just another note about the wage

    Amy is currently unemployed and is collecting EI, and still makes the payments.
    My boyfriend makes $14.00 /hour PT

    Also, about the incident about how he yells at my BF – Amy just came up to me and asked how my BF was doing. I just said he was a little upset. She replies “Yeah, Sam is really mad… he didn’t even remember hitting him (my BF)”. I ran right upstairs to talk to my BF, who denied it at first, but then confirmed he was hit twice, hard, in the face.
    About the written notice someone mention (thank you for your advice).

    What needs to be written so that these possible “legal” issues can be prevented. How can legal issues be sought after if no lease is initially signed (my name on every piece of paper that has to do with my home)?

  • Leif says:

    Here’s the deal. I need a new car (Tired of dealing with repairs for my piece of crap car that’s near as old as I am). I feel that I can easily pay $300-$400/mo in financing. I can put down $5000. Unfortunately i’ve only had my credit for about 3 years now and with some hickups along the way my credit score is about 588. I don’t plan to purchase the vehicle until about 2009 and by then i’ll have payed off my other credit card. Here’s my dilemma: My job won’t give me any more hours than 17-20. I make roughly about $6000/year after tax. I am a full-time student. Will this be a big issue when applying for financing? Would it be better if my fiancee’ who makes $16000+/yr apply for the car and I co-sign for her?
    Only reason I won’t have my fiancee’ finance it herself is that her credit is only 1 year old and she doesn’t always make the payments on time…

  • Benny says:

    Here’s my slight dilemma.

    Whilst browsing the flight search and book function on China Eastern Airlines’ website, I came across a price for my selected flight that was somewhere around $3000 Hong Kong Dollars. This is, according to currency conversion, equivalent to approximately $350 Australian dollars. I then noticed that there was an Australian version of the exact same site, where everything was precisely the same, except that the currency swap was done for you. For example, prices would display in AUD rather than HKD.

    The problem is, that on this Australian version of the site the price is listed at over $750AUD, or around 6000 Hong Kong Dollars. This seems like a terrible mismatch as it is genuinely double the price when converted.

    My question is this; if I pay by credit card on the HKD version of the site will I only be paying the original $350 as stated? I think I should be. Does anyone have experience dealing with this airline or others? Because it almost seems like a type of scam to me…with the Aussie dollar being a lot higher than the HKD and all.

    Thanks in advance!

  • Sherwood says:

    Thanks guys ! I feel much better…
    Not being used this situation I felt a little lost.
    I have an answer to Amanda (i am not mad at you), I lost my apartment, my job AND had to pay our debts being the only one with a steady job in finances…My ex is not American, and I either, we just came to USA because of our jobs and everything was going pretty fine before the crisis…The baby was planned not an accident, he just decided that he wouldn’t be involved…
    I found myself dealing with credit card debts, the mortgage, job restriction dilemma and other financial problems i wasn’t even aware of until recently…
    I thank you all for your prompt reply and will follow your advice.
    By the way…it’s a little girl.

  • Lacy says:

    Here’s the quick dilemma. SERIOUS ANSWERS ONLY PLEASE! We’ve been in our home, for 4 years now. We even re-financed about 3-4 months ago, to a respectable rate. We’ve had some credit-card debt, and spouse had 4 hospitalizations, and many medical bills. (Cards were used, when we couldn’t keep up) A good thing we did, (and are still surviving) is stop using the cards! We have not used a credit-card in almost 2 years…but have ALSO not paid on any. We were going to file Chapter 7 on just cards & hosp. bills. Now…we’ve decided to include the house. House needs some work, and although I still am employed…we want to file Bankruptcy, and give it back to Lender. I was told, to apply for lease/rent BEFORE filing, because not many people will lease to you with a bankruptcy on your credit report. Just cannot save any money…and no money for repairs to the house HELP!!

  • Elliott says:

    I run an entertainment and events mgt business in Malaysia. Although my company is home-based / very small, recently many local clients have been recommending us to their overseas clients (end-users or event companies). I am very happy about this but it is a dilemma to deal with overseas cos. esp. when it comes to payment. We usually ask for 50% deposit and 50% balance to be paid by cash immediately after the event. This is stated in our contract but some clients have violated the contract (by paying only when they return to their country and some don’t pay full!). Recently when another overseas client said they’ll only pay after the event when they return to their country, I withdrew my contract. Finally they agreed to my terms and conditions and they did pay me cash after the event. My dilemma is that they are returning and have asked me again if they can pay AFTER the event! I foresee that as I have more overseas dealings, I will be constantly facing such problems. Help!

  • Anthony says:

    Just so you all understand in full I’ll start from the beginning.

    MY FI and I could not afford even a small wedding after an unexpected health issue arose, so we decided that a JP wedding would be okay as long as we were married. My father got wind of this (we have a rough relationship) and was not okay with that idea, so he offered to help.

    So, my parents gave me a nice budget (much more then what i was going to spend) and told me they would just give me a credit card with that amount. I fell in love with a wedding gown Thursday with my mother agreeing that it was THE DRESS, she said we should give it a night to sleep on , i agreed, She then promised that she would make the down payment on that dress bc its the only store in our area that has that dress in stock in my size and the color i wanted, but when it was time to make the payment she wanted me to call around and see if we could find a better deal, needless to say i didn’t, but now she wants to wait until Monday.

    She is now taking over my guest list, menu, bridesmaid gowns and invitations, and wants me to run everything by her and get her approval before she will allow me to do anything. I tried to smile and shrug it all off but the dress dilemma is freaking me out because if i end up having to order it, it will cost almost 300 dollars more and will not be here until after my wedding date.

    She also blew up on me when i was nearly in tears about the venue when i found out they hadn’t put the deposit down. IDK what to do, how do i explain that I didn’t ask for help to begin with and that I feel like she’s making it HER day??
    I was able to afford the small wedding i wanted but as stated above there was a medical issue that drained our wedding budget. I understand that shes paying but is there any way to ask her to trust my decisions??

  • Stephany says:

    I have been out of my parents home for the last 4 1/2 years. After I finished college with my first degree,I got my first full time job, had been working for 2 months before my daughter and I moved out. In 2007 I returned to college full time to pursue another degree and I stopped working all together.So far I haven’t had any real financial issues but recently I found out that the rent on my apt is going up again and I may not be able to afford to live here anymore.This would mean my daughter and I would have to move but the problem is I cant get another place without a job. Being that I’m in school full time and in my senior year, I don’t really need the distraction of a job. I have applied for a part time job but have gotten no responses.So my options are:
    1)stay in my current apt and struggle to pay the rent
    2)move back in with my parents
    I have become accustom to my privacy and a certain way of keeping house so moving back with them would be a potential disaster.My mom and I don’t really see eye to eye often.They live differently from the way I do. I feel like I will be relinquishing my freedom if I move back to their house not to mention the comfort that my daughter I have with having our own bedrooms and bathrooms.Also in addition to my parents and their ways I would have to deal with my very adult brother and his 3 of his 5 kids who live there as well. So as you can see this is a dilemma. So I need some advice on what to do. I feel like I am left without options but maybe someone else can see the light that I don’t see at this time.The move would only be temporary, until I can finish school again.A roommate is also not an option because of my daughter.i have a few months to decide but not long. Once I leave my apt I cant change my mind. Because the manager knows me so well and I always pay my rent on time,they’ve allowed me to stay this long without actually meeting the income requirements but they cant control the rent increase. I lived with my parents shortly after the hurricane last year and was miserable on a daily basis.This is how I envision my new life if I move back.The idea of having to pay no bills but maybe my credit card is tempting though.

  • Taneka says:

    I know, i’ve gotten myself into a bad situation financially.

    But i’m unsure of what to do next.

    I have two credit cards.

    Both are maxed out.
    One: 1,000 dollar limit
    second: 500 dollar limit

    It seems w. all my other bills, I can’t even afford to pay the minimum for both combined. I’ve been on time with my first card (1,000 limit). But find it impossible to keep up w. the second.

    Would it be better to cancel the second card (500 limit) or is this even an option. Would it hurt more than contributing to solving my financial dilemma ??

    Please help. And don’t be mean!

    I live on my own w. a ton of bills and can barely afford to live.
    I have a second job, trying to make ends meet.

    It’s not easy when you’ve lived on your own so early on in life, with no help from your parents.
    Especially in this poor economy.

  • Earl says:

    So I want to buy something online, but I can’t have my parents know about it.

    First off, I AM 18 years old and not buying anything illegally.
    I’m buying a smoking blend as a tobacco substitute from a reputable website.

    I was thinking I could get one of those ‘credit card gift cards’ at the store to buy it, but my dilemma is this:

    Where can I have the package delivered besides my home that I could go pick it up?
    I know I can’t have it shipped to a vacant house as that would likely not end well and they’d probably return the package to the sender.

    Can I arrange for a package to be held at the post office for me to pick it up?
    I know that PO Boxes are cheap, but I’m not buying one for a one-time-deal…

  • Cherilyn says:

    has this happened you you? i exchanged a few emails with gateway about problems with my computer, and than out of nowhere, they mark my question as “solved” and place another order for another recovery cd which i NEVER agreed to.all i did was state that that the current recovery cd i had was not working, but i did NOT agree to place an order.

    this is upsetting, because people like me are young with not alot of money, i use debit cards and do not use any credit cards. i am in a dilemma, i dont know if i should cancel my card and deal with not having a debit card for a week or so, or risk keeping my card and getting the unauthorized $20 charge, which will cause a $35 overdraft fee to happen. i emailed them about canceling my order, but i do not know if it will help.

    the only reason i was not charged yet was because it was back-ordered which means they were currently out of stock, but as soon as they get it, they will charge me.

  • Tena says:

    such organizations? I have been donating to an small Christian orphan program in India.
    My dilemma is: I had previously had no problem donating via Paypal (I am in the U.S.). Now all of a sudden, the pastor of the orphan program is saying that Paypal is no longer passing along payments to India, and that I would need to do Western Union, or set up an account with SBI (some bank of India, apparently). I am leery of this, and this really seems like a lot of trouble to go through. I am used to dealing with larger charities like World Vision that accept credit card payments, but I really want to continue to sponsor this particular orphan, I just don’t understand why it has to be so difficult or to know if I am really doing any good.

  • Ayako says:

    I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don’t need these credit cards and I would like to cancel them and have this “possible credit” to go towards the new card. I heard once that canceling a credit card has a negitive effect on your credit score. Is this true? If so, how do I switch credit cards and avoid affecting my credit score in a bad way?

  • Rickey says:

    Today, as everyday has been since I have begun my personal expansion, was littered with resistance. I have come to understand this as a simple matter of physics. To expand is to encounter resistance. The most draining of these was an argument I had with my roommate.

    For the past few days we have been without internet and cable because our modem was not receiving the providers signal. At first we thought somehow we had missed our window to pay the bill since that time was approaching anyway. So, we called to inquire as to why only to find that for reasons known only to God we were simply not receiving a signal. So, the company sent a technician to further investigate the problem, but before doing so we requested to pay our bill even though that was not the problem and it was about that time anyway. WAAAwaaaa. The providers computer systems were down and they could not access anyone’s account information. This lasted 24 hours. But, at least a technician would be able to come and get our no signal dilemma fixed. Yeah, the next day. So, he came and after some probing remedied the situation for us. Signal back, TV and internet here we come. Yay! Not so fast. During the time it took for the technician to make it to our location, which was a day and a half coupled with the fact our providers computer systems were down for the entire day before the technician appointment was even made, our bill became past due. Ugh. So here we are my roommate and I finally with that precious signal but, our oh so considerate provider has gone and shut off the service because the monthly bill is now late with a fee of $30.

    Now, here is the moment in question which I have come to you the community for; my roommate is on the phone with the service reps explaining the entire story, which you just read, beautifully. I mean, he is being calm, rational, and intelligent with his argument over having the late fee waived. However, he knows that and can’t help but be a little arrogant and overly aggressive when the other half of the conversation(service rep) begins to give their schpeal. He even says “Now you are making me angry, and I am getting flustered.” He says this to the service rep. The rep was refusing to waive the fee, saying it was standard policy. He asks to talk with someone else. They say the same thing, and so does the next person. So needless to say we had a choice to make, donk away thirty bucks and get our service back on or not. We decidedly chose to be jack-asses and surf the net while we watched 60 minutes. However, before we could indulge in that nice little pleasure, the actual act of voicing credit card numbers over the phone had to take place. My roommate went first. Know this though, as he was making his argument and progressively losing to his own ego, his phone beeps to warn him of a dying battery. So now he has a true-time constraint with getting his arguments and credit card numbers across to the other end of the line. He has now definitely lost whatever zen he had from the start at this point.

    Now picture me sitting on the couch as he is standing and walking around the living room making this call. While he first began the argument I concentrated on sending positive energy his way so he would be more confident throughout the process. It worked, but only for a short while because when the first service rep came back at him with their debate stance he walked away from the living room and down the hall thereby severing or at least lessening my efforts. No big deal, he did not know, nor does he know, if you know what I mean. He eventually made his way back into the living room. But it was already too late and it was just not going well. Then, like I said, the battery began to go and he was rushing. I noticed about the battery early on and quickly realized that we would both have to get in our credit card numbers before it went dead. I tried three times to get his attention so that I could tell him to give the rep my cell phone number just in case his phone died and we would not have to go through their automated response systems yet again because it literally had been about eight times in the past four days I went through it myself with this company. And, they always ask if the number you are calling from is the number they can call back should you get disconnected. If his phone is dead they obviously can’t call it back and talk with him at the same time. So, yes I tried to tell him that. Each time he either ignored me, waved me off with his hand, or shot me an annoyed look as if I were and irritating fly buzzing by his ear. This upset me. I understood why he acted that way, but the level of disrespect struck a nerve. Now guess what happened next. As he handed the phone over to me he actually tells me to be fast because the battery is about to go as if I had not already noticed that. So, now the phone is in my hands finally and the first thing I say to the

  • Ashley says:

    It’s not the actual work, it’s not really the people, it’s the company – I work for a big bailout bank, and I really hate it, I really disagree with a lot of the things they do – but nobody is hiring, and on paper, it’s a great job. Since I can’t change jobs, I just need some tips on coping with being saddled with a totally crappy job.

  • Cliff says:

    I have a few personal credit cards and I want to consolidate them. I am also self-employed, but I dont’ have a business credit card; although I get LOTS of ads for them in the mail. I’ve always wondered, what is the difference? Are there different rules or fees? Can you only use them for business purchases? Do you have to spend a certain amount to keep them?

    Any advice appreciated…

  • Marcia says:

    I have a dilemma. Year and a half ago my boyfriend lost his job due to the economy. His unemployment ran out which ultimately resulted in his car being repoed.
    Aside this issue.. when he was yonger he screwed up his credit on a couple accounts. Which to this day he still owes them.
    Although since being older and responsible. he’s followed the rules with any credit he was lucky enough to get and paid up…

    Now to this day he still has a repo and bad credit with a credit card and bank. Which this is keeping him from getting a car in his own name.

    I told him it would be better to get a car first.. either put it in my name or buy it straight out. (yes I know the risks of putting it in my name. Please don’t note this).

    But he first wants to clear up a credit card he owes. They gave him a deal that if he pays a certain amount for so many months it would clear his credit on that account. Which he thinks the dealership will see that and grant him credit.

    Would this be a wise move? It will hinder him from purchasing a car even longer which I’m tired of him depending on me to take him to and from work.

    I’m not sure what the priorities are in this situation since we are on different sides of this.
    Any infor or advise would be a big help.

  • Temple says:

    My husband had an accident about 6 years ago, and the total bill was $60,000. He worked out a settlement with the hospital to pay back $35,000 and they would take off the rest. He did what he was supposed to, worked 2 full time jobs for 2 years and paid that back, but they didn’t hold up their end of the deal, and he didn’t get it in writing (I know, he was 18 and stupid). Now, 6 years later, he has nothing on his credit other than that and we want to purchase a home. We need 3 lines of credit for 12 months to get approved for this loan. I qualify for this, however if it is only in my name we can’t technically make the payments so we need it in his name too. So lets do the math, if we have to wait a year for the debt to fall off (we aren’t paying it) and then another year before we build his credit, that is 2 years! I have excellent credit, and have 4 lines which have been open for 2 years. Basically my question is, if we start adding him onto my accounts for the next year and then open his own store credit cards, then in a year (when the debt falls off) we could buy a house? Is there any way applying for credit can alert the people he owes money too, so they will start contacting us again, or force us to pay it?
    I’m certain that the debt will not show on his credit report after 7 years. Look it up. I may not have worded it correctly, I’m sure he will still technically owe the money but they can’t do anything about it and it will not affect his credit.

  • Sabrina says:

    Basically I’m worried about my close friend. He is 24yrs old has two credit cards maxed out at a combined total of $5000 and has a third card which only has $1500 remaining until it is maxed out at $3000. I know credit card debt is common but what is worrying me is he isnt getting out of debt. He is getting futher into trouble. He pays his credit card bill on time each month, but takes a couple hundred more off his card, than he puts on… My dilemma is that although I’m very worried about him, its not really my place as a friend to lecture him. I do however feel obligated to do so seeing as I’m the only one that knows the extent of his debt. And the only reason he is in so much debt is because he is a party animal. All charges to his credit card are from nights out.

    Should I inform his parents of my concerns? Or just keep it to myself? I’d hate for him to get himself in a lot of trouble and I didnt do anything. I want someone else to know so they can deal with it and decide if its worth worrying about.
    In addition to his credit card debt, he also has a $17000 car loan debt to pay off as well as an around $4000 debt to a family member.
    I have talked to him numerous times about his debt. He assures me he is on top of things, but I have seen a few bank statements on his desk which suggest otherwise. I dont know if he is in denial, or just doesnt feel comfortable sharing his debt issues with me.

  • Donette says:

    hello i am applying for a position as a cashier at an Ikea here is my cover letter. please offer some criticism

    Dear Hiring Manager,

    Please accept my enthusiastic application for the cashier position that was posted on Ikea.com. I understand completely that this job requires a great deal of excellent social skills, knowledgeable in store policies, superb skills in mathematics, and ambition. I fulfill all of these credentials, and therefore I would be perfect for this position.
    Throughout the past one and a half years, I had the privilege to be a Sales Associate at First Cellco, a cell phone store. Diligently, I assisted in teaching customers about all of our cell phone products from mere earphones to the Android Jelly Bean OS. I took pride on giving vital information to my customers, that must be the reason why they frequently returned to our store. Another skill that I gained was working under pressure. Let me say that I extol working under that condition, its more challenging and rewarding. For instance, while working at the cell phone store, I had to figure out dilemmas that involved a customer’s phone. I had to play around in order to remedy the situation. Another time, a customer asked me if she had a phone that was shock resistant. Thinking on my toes, I knew that there was no phone we had that had that feature, but I offered her a shell case for her current phone. Delighted in saving money, she bought it, and ever since then, she came once in a while to pay her bill. Although working quickly is a necessity, I know its important to not sacrifice accuracy. I used that philosophy everyday when I was on the job. Moreover, cooperation among the team is a trait I take to my heart. One instance, I had a dispute with my co-worker over an incorrect payment We compromised and decided to split the bill, and we both took the responsibility. As a result, our friendship became stronger.
    Knowing about the store’s policies and its products is a must in your store. That is why my mind which has flawless skill in memory would benefit the most. Not only did it help me recall all of the information about cell phones, but also it was my ally when I participated on the academic quiz bowl The Challenge. Able to recall trivial facts helped me climb up the leader board in the game.
    I understand that working as a cashier requires one to give the correct change, therefore a good set of math skills is imperative, and that is something I have. During my time at First Cellco, the credit card machine was broken the entire time, as a result, we accepted only cash, and I always did my calculations in order to give the correct amount of cash.
    I have enclosed my resume, and will call within the next week to see if we might arrange a time to speak together. Thank you so much for your time and consideration.

  • Kristeen says:

    First things first, I’m not going to lie or make excuses about the crime I committed. I know what I did was wrong, and I don’t need a preachy 2 page long answer telling me that.

    A few days ago, my friend and I burglarized someone’s house after hearing several rumors of him having several high tech pieces of computer and audio/video equipment. We stole some desktop computers, a laptop along with several cd’s and dvd’s, as well as a camcorder and various other audio and video equipment.

    We drove about 10 hours away to my friend’s brother’s home in the next state so that we could prepare the loot and fence it off. One of the first things someone suggested was to check all the hard drives for personal information.

    We didn’t find any social security or credit card numbers so to speak. What we DID find was child porn–lots of it. Most the DVD’s had all sorts of sick sh*t on it.

    The most disturbing thing was when we looked at the camcorder and its memory stickes–we found many movies created of one particular child posing nude and performing sexual acts. Looking at the movies on the dvd’s again, we found dozens of more movies with the same child….and identical copies of the dvd’s.

    So now we are faced with a serious moral dilemma….although we have NO room to be self righteous, child molesters don’t have honor even amongst murderers. Our first reaction is to turn this sh*t in to the police and let them fry the sick perv, but then the biggest thing is that we would have to tell them HOW we came across all of this. I mean, this isn’t chump change–we stole at least $10,000 worth the equipment. This HAS to be at least 5 years in prison for all of us, even with a guilty plea deal.

    But then again, we think there is at least one child being sexually abused, and on top of that, this person is probably making a profit out of it. Hell, that’s probably how he was able to afford all of that pricy equipment!

    What do we do…keep our mouths shut and let a child continue to be abused, or rescue a child and do our time in prison? Please help, this is a serious tough spot we’re in.

  • Garth says:

    Hello if someone could help me out with this situation I’d be thankful for a lifetime. It’s a dilemma between my credit card company Capital One and the vender MusiciansFriend. Anyway the whole problem started when I called Musiciansfriend and placed an order for a guitar amp of $429.98 and bought warranty for $59.99. Musiciansfriend then made the first mistake and charged me twice for the same amp and warranty. Charging my credit a total of $979.94.

    I called Capital One and asked them to adjust the transaction and only charge me for $429.98, and $59.99 only. Capital One did just that, so I thought end of story.

    Today I was notified by the Musicansfriend saying that, Capital One never payed them for anything. That the stuff I had was not paid for and therefore was still owed. I said wait a minute, I already paid for $429.98 and $59.99, how could you say Capital One never paid you. They said that Capital One charged me and then went ahead and took the money out of there account and credited back to me. That is not true because I just checked my online statement, and Capital One did charge me for $489.97, and the other transaction was adjusted.

    So why is the vendor claiming they never got payed when clearly shows on my statement I paid for one transaction and the rest was put back in there account.

    Musiciansfriend is now harrasing me with phone calls that if I don’t send the stuff back they are going to send my bill to collection and it’s a nightmare. Can somone share some insight or how to properly deal with this. I want to keep my score in good standing. Plus I already sent the extra amp back but they want me to send both of then back when I already paid for one of them, it just doesn’t make sense. I’m caught in the middle and Capital One and the vendor can’t make a third way call, to speak with each other while I’m on the line aswell to clarify all this. If the vendor calls Capital One, they wont be able to obtain my information.

    And Capital One can’t call the vendor for which reasons I don’t know. I wish to get this settled, what is the proper way to deal with this.

    I have spoken with Capital One and they claim they adjusted the transaction and I did pay for one amp, and the rest was adjusted. They also say they have no idea why the vendor is making such ridiculous statements towards them. So who do I beleive?

    Help!

  • Denae says:

    my question is here the last time i used my credit card at the begining of the month for only 202.00 and then my card was stolen from me and i looked up on my account for my credit card there was a transaction for 302.00 i called up the credit card company reported stolen there was a transaction for the 302.00 dollars my card is blocked how do i set my parents down and tell them my card was stolen from i do live at home and i’m 30 years old i do pay rent there sending me out a new card and forms to dispute the that big amount that i didn’t take out on the credit card. i was sacred to report it to the police i was hopeing that someone would turn it in.
    I don’t know how they figured my pin code out to take the money off the credit card.

  • Margert says:

    Ok so heres the deal: My boyfriend and I just moved into a house that costs $1150 a month (we are splitting that with my sis and her boyfriend) and we are having a hard time. He gets child support and credit card debt payments taken out of his check every week, leaving him with only about $250 a week. I am a full time student and I work part time at an insurance agency and only bring home about $120 a week ( it will be a little more soon because Im getting a raise) My boyfriend thinks I should get a waitressing job at nights. Im already a stressed person and I think that waitressing will make it even harder on me. On top of that I just dont know if I could work under so much pressure! Anyone have any advice for me? And if your a waitress, can you tell me about the stresses of your job? Thanks everyone

  • Hassan says:

    Ok, im here to bitch about my parents and thier lack of intelligence. And this is also a challenge to all you smart ass parents who love to shoot kids down on this kind of stuff by telling us your always right. Ok heres my dilemma. Im 18, i live in the UK. I don’t drive, and i dont have many qualitifcations. Im looking for a job. My last job was working for my dad, as a dry liner in the building trade. This for for about a year but then as self employed work sometimes goes, he had no more work for me. I was qualified enough to go and work for another company, so this left me on the job hunt again. Now, its septempter, and i finished working for my dad at the end of june. So ive been out of work for 2 months. Every single day i look on the internet, in the newspapers, on teletext, the whole freaking works to try and find a job. the trouble is its hard to find work when you dont drive and have to rely on public transport. It has come to the point where i am willing to take any job no matter what, as long as i can get there and back safely, and theres enough hours in it. However, finding this seems to be an impossible task at the moment, but like i said im looking every day, and when im out and about i ask in shops and stuff too. I do have previous retail experience and some other stuff too so i dont have to worry about that. But my problem is, EVERY SINGLE DAY when my parents come home they shout thier heads off at me, telling me how im so lazy and just cant be bothered to work. Its like they think i enjoy being broke and having debts i cant pay? I have a credit card which has about £600 to pay, results of my holiday at the start of july. Obviously i was unaware i was going to be jobless. So anyway, although i paid for payment protection against unemployment on my credit card, the bank have had the check to refuse my claim for unemployment, leaving me to deal with this debt on my own. Tossers. Anyway, my parents KNOW that i spend most my time looking for a job ive told them so many times, they even SEE me doing it on the computer or reading the paper. And now they keep suggesting stupid jobs that they see in the paper, ones that you need major qualifications for and they know i dont have, and when i say i cant do that i havent got the right qualifications, all they do is yell at me again and say i just cant be bothered. Well, im sick of this shit now. I try my fucking hardest and all i get is yelled at. And heres the best one, my dad has now told me that if i dont have a job within the next week, he is going to kick me out. And he will. Hes done it before over the years, he kicked me out when i was 14 because i was 10 minutes late home. I had to live on the streets for 2 weeks before my friends parents took me in for about 6 months and finally helped convince my parents to let me come back. Anyway. Im just so sick of being treated unfairly, its fucking bullshit. Especially seeing as the reason i lost my last job was because he “couldnt” find any more work for me. Fucking tosser, funny how he kept everyone else going. And now he is constantly shouting at me for something he is partially responsible for. I just dont know what to do anymore. They keep telling me i owe them money for rent too, which i do, but they know i dont have a fucking job. and…ARRRRG im just so sick of this shit. Please, someone, adopt me. I defy anybody out there to say that my parents are being fair, and if you do then your just an idiot, and would probably be good friends with my parents. Please, help me!!!

  • Arlyne says:

    I am fixing to close on a new home and want to replace the flooring before I move in so I don’t have to deal with furniture, et cetera. This will be $5000 that I don’t have right now, but when I get the refund from my first time home buyer tax credit, I’ll have it (right around $5000). Is it worth getting a credit card to put the cost of the flooring on, make payments until I get the refund back and can pay it off completely?

    I’m really stressing out about this because I want it done and am not sure how to go about it.

  • Holli says:

    hello i am applying for a position as a cashier at an Ikea here is my cover letter. please offer some criticism

    Dear Hiring Manager,

    Please accept my enthusiastic application for the cashier position that was posted on Ikea.com. I understand completely that this job requires a great deal of excellent social skills, knowledgeable in store policies, superb skills in mathematics, and ambition. I fulfill all of these credentials, and therefore I would be perfect for this position.
    Throughout the past one and a half years, I had the privilege to be a Sales Associate at First Cellco, a cell phone store. Diligently, I assisted in teaching customers about all of our cell phone products from mere earphones to the Android Jelly Bean OS. I took pride on giving vital information to my customers, that must be the reason why they frequently returned to our store. Another skill that I gained was working under pressure. Let me say that I extol working under that condition, its more challenging and rewarding. For instance, while working at the cell phone store, I had to figure out dilemmas that involved a customer’s phone. I had to play around in order to remedy the situation. Another time, a customer asked me if she had a phone that was shock resistant. Thinking on my toes, I knew that there was no phone we had that had that feature, but I offered her a shell case for her current phone. Delighted in saving money, she bought it, and ever since then, she came once in a while to pay her bill. Although working quickly is a necessity, I know its important to not sacrifice accuracy. I used that philosophy everyday when I was on the job. Moreover, cooperation among the team is a trait I take to my heart. One instance, I had a dispute with my co-worker over an incorrect payment We compromised and decided to split the bill, and we both took the responsibility. As a result, our friendship became stronger.
    Knowing about the store’s policies and its products is a must in your store. That is why my mind which has flawless skill in memory would benefit the most. Not only did it help me recall all of the information about cell phones, but also it was my ally when I participated on the academic quiz bowl The Challenge. Able to recall trivial facts helped me climb up the leader board in the game.
    I understand that working as a cashier requires one to give the correct change, therefore a good set of math skills is imperative, and that is something I have. During my time at First Cellco, the credit card machine was broken the entire time, as a result, we accepted only cash, and I always did my calculations in order to give the correct amount of cash.
    I have enclosed my resume, and will call within the next week to see if we might arrange a time to speak together. Thank you so much for your time and consideration.

  • Enrique says:

    So I recently graduates from college with a bachelors in engineering from a great school. During my sophomore and freshman year I got a bunch of credit cards, used them all up and never paid them. Today, I have a credit school of 490 and a bunch of negative marks and 2 judgements on my credit. I just hired a debt consolidation company to help me to manage (not expunge because I want to take full responsibility for this foolish error) my debt and get it back in order. It is about 30,000 in debt. My big dilemma is that I just got a job offer from a major utiliy company in Minnesota and I am horrified that my job offer will be rescinded despite my excellent degree and background because of the mistakes of my youth. Am I being paranoid or realistic? I have spent years cultivating my background ot make myself the ideal candidate in every other way. I have spent time overseas learning new languages, lots of technical jobs, held leadership positions and founded community service organization and I feel like if I am turned down because of my credit, then my degree is worthless and I might as well work at McDonalds. I do not feel I am entitled to a job or a hig hsalary or anything because I went to college but how am I ever supposed to fix this issue if no one will hire me to make enough money to fix my credit?
    The job offer has not be rescinded but I am worried it could be because of my poor credit. I was up front about it and explained my background to the hiring manager but he said he is not that worried about it and the ywould really like to have me
    The company I hired was a debt management firm they basically just call the creditors to negotiate down my debt and then agree to a a certain monthly payment for each. I did not get a loan because I have heard they are a bad idea. I just wish I was smarter earlier own but it wasnt until the end of my college career than I started to understand credit cards and debt which was my fault. I want to pay off the debt because I feel so guilty about not paying these people their money when I know I owe them
    Yes, I have a college degree and while engineers are historically bad at english and grammar, I was not really worrying about spelling mistakes when I typed this

  • Mee says:

    I changed my name legally but I neglected to change it with Social Security. Now I have no ID in my old name because I turned in my old license when I got the new one and I either turned in or destroyed my old work ID. I called Social Security and the woman barely spoke English and just kept repeating to send originals.
    Finally, I sent my original birth certificate, original court order, original driver’s license and a letter explaining my dilemma but they sent them back demanding ID in my old name.
    I don’t know what to do now. I know they will not credit me for work under the wrong name but that’s no big deal because if I can ever afford to retire, I don’t expect Social Security to exist and if it does, it won’t be enough to pay for my toilet paper. What I am concerned about is that I can never change jobs again unless I can get a card.
    I feel like I need a lawyer but my old one ripped me off badly and I can’t afford to spend thousands more. Please help.
    I would have to fly to the Social Security office or spend half a week getting there and back by boat.

  • Rosa says:

    okay, so what i did was typed in my browser “free network code to unlock lg town gt350″. i searched and searched for hours and couldn’t find ONE code to unlock my mobile so that i could use any sim that belonged to any network in my phone. so i thought what was best for me to do is find a site where you can pay for these codes for reasonable prices with a quick service. http://www.code2unlock.com was the site thought had the best rates. i read the terms and conditions and was satisfied. being a teen, i didn’t have a credit card so i asked my mum if it was okay for me to use hers and pay her back the exact price. the full price including vat was £4.80. i gave the site my email (so the code could be sent to me) and my mum punched in her card details after approving.
    i’ve been waiting for ages and no code has arrived. it said it was an “instant” code unlock-er.
    my mum’s credit card no. is now with the site and for all i know the site owners could be taking money out of the card RIGHT NOW.
    they also have my imei.
    now i’m thinking $%£& and i’m sure you are too!
    please please please can you help me! i’m 15, panicking… i think it was a scam, but you know i am fairly internet savvy for my age, the deal looked trustworthy!
    advice? same experiences? codes for the same model?
    worst comes to the worst, i’ll contact the bank and call the police.
    thank you so much for your aid in this dilemma!!!
    yeah, very helpful guys so far with the first two answers… i don’t need to be told that “i’m screwed” ’cause i think i know that already. any HELP???
    thanks for the other two answers, much appreciated! actually i did get an email telling me what to do to get my phone unlocked, sorry for missing that out. do you know where you can get your phone unlocked down market??? thank you so much.

  • Roman says:

    Before I tell you the dilemma, let me give you a little back story. My parents let me move back in after college. I live there completely rent free. Though I’ve offered on multiple occasions, they refuse to take my money. Here’s the problem, my mother is a thief. She’s written several hot checks in my name, maxed out credit cards she’s opened with my information, stolen cash from my wallet, pawned my things, etc. There’s no way financially I can move at this time, so I’m stuck there for the time being. I’ve never reported her for any of these frauds because my living situation. I’ve dealt with that, learned to keep my things in a safe deposit box, and have resolved to bide my time there until I have a couple more bills paid off.

    Now, my mother is working her brother in his small business. I have reason to believe that she has been stealing money from the cash drawer. Should I tell him? If I talk to her about it, she will only deny it. She will never stop, it’s who she is. I’m afraid to tell my father because of his hot temper. He’s been known to get physical. What would you do?

  • Jefferey says:

    Hello if someone could help me out with this situation I’d be thankful for a lifetime. It’s a dilemma between my credit card company Capital One and the vender MusiciansFriend. Anyway the whole problem started when I called Musiciansfriend and placed an order for a guitar amp of $429.98 and bought warranty for $59.99. Musiciansfriend then made the first mistake and charged me twice for the same amp and warranty. Charging my credit a total of $979.94.

    I called Capital One and asked them to adjust the transaction and only charge me for $429.98, and $59.99 only. Capital One did just that, so I thought end of story.

    Today I was notified by the Musicansfriend saying that, Capital One never payed them for anything. That the stuff I had was not paid for and therefore was still owed. I said wait a minute, I already paid for $429.98 and $59.99, how could you say Capital One never paid you. They said that Capital One charged me and then went ahead and took the money out of there account and credited back to me. That is not true because I just checked my online statement, and Capital One did charge me for $489.97, and the other transaction was adjusted.

    So why is the vendor claiming they never got payed when clearly shows on my statement I paid for one transaction and the rest was put back in there account.

    Musiciansfriend is now harrasing me with phone calls that if I don’t send the stuff back they are going to send my bill to collection and it’s a nightmare. Can somone share some insight or how to properly deal with this. I want to keep my score in good standing. Plus I already sent the extra amp back but they want me to send both of then back when I already paid for one of them, it just doesn’t make sense. I’m caught in the middle and Capital One and the vendor can’t make a third way call, to speak with each other while I’m on the line aswell to clarify all this. If the vendor calls Capital One, they wont be able to obtain my information.

    And Capital One can’t call the vendor for which reasons I don’t know. I wish to get this settled, what is the proper way to deal with this.

    I have spoken with Capital One and they claim they adjusted the transaction and I did pay for one amp, and the rest was adjusted. They also say they have no idea why the vendor is making such ridiculous statements towards them. So who do I beleive?

    Help!

  • Shirley says:

    SEMINARS FOR WOMEN
    (prepared and presented by men)
    1. Elementary Map Reading
    2. Crying and Law Enforcement
    3. Advanced Math Seminar: Programming Your VCR
    4. You CAN Go Shopping for Less than 4 Hours
    5. Gaining Five Pounds vs. The End of the World: A Study in Contrast
    6. The Seven-Outfit Week
    7. PMS:It’s YOUR Problem, Not Mine
    (formerly – “It’s Happened Monthly Since Puberty: Deal With it”)
    8. Driving I:Getting Past Automatic Transmissions
    9. Driving II: The Meaning of Blinking Orange Lights
    10. Driving III: Approximating a Constant Speed
    11. Driving IV: Makeup and Driving: It’s As Simple As Oil and Water
    12. Football: Not a Game: A Sacrament
    13. Telephone Translation (formerly titled “Me Too Equals I love You”)
    14. How to Earn Your Own Money
    15. Gift-giving Fundamentals
    (formerly- “Fabric Bad, Electronics Good”)
    16. Putting the Seat Down By Yourself: Potential Energy is on Your Side
    17. Beyond “Clean and Dirty”: The Nuances of Wearable Laundry
    18. Yes, You Can Fill Up At A Self Serve Station
    19. Joys of the Remote Control: Reaping the Benefits of 50+ Channels
    20. What Goes Around Comes Around: Why His Credit Card is Not a Toy
    21. His Best Friend Can Be Yours Too
    22. His Poker Games: Deal Yourself Out
    23. Commitment Schimittment
    (formerly titled “Wedlock Schmedlock”)
    24. To Honor and Obey:Remembering the Small Print Above I Do”
    25. Why Your Mother Is Unwelcome In The House
    26. Your Mate: Selfish Bastard, or Victimized Sensitive Man?

    SEMINARS FOR MEN
    (prepared and presented by women)
    1. Combatting? Stupidity
    2. You, Too, Can Do Housework
    3. PMS: Learn When to Keep Your Mouth Shut
    4. How to Fill an Ice Tray
    5. We Do Not Want Sleazy Underthings for Christmas: Give us Money
    6. Understanding the Female Response to Your Coming in Drunk at 4:00am
    7. Wonderful Laundry Techniques
    (formerly titled “Don’t Wash my Silks”)
    8. Parenting: No, It Doesn’t End With Conception
    9 . Get a Life: Learn to Cook
    10. How Not to Act Like a Jackass? When You’re Obviously Wrong
    11. Spelling: Even You Can Get it Right
    12. Understanding Your Financial Incompetence
    13. You: The Weaker Sex
    14. Reasons to Give Flowers
    15. How to Stay Awake in Public
    16. Why it is Unacceptable to Relieve Yourself Anywhere but the Bathroom
    17. Garbage: Getting it to the Curb
    18. You Can Fall Asleep Without IT if You Really Try
    19. The Morning Dilemma if IT’s awake: Take a Shower
    20. I’ll Wear it if I Damn Well Please
    21. How to Put the Toilet Lid Down
    (formerly titled “No, It’s Not a Bidet”)
    22. “The Weekend” and “Sports” are Not Synonyms
    23. Give Me a Break: Why We Know Your Excuses are Bull
    24. How to Go Shopping with Your Mate and Not Get Lost
    25. The Remote Control: Overcoming Your Dependency
    26. Romanticism: Ideas Other Than Sex
    27. Helpful Postural Hints for Couch Potatoes
    28. Mothers-in-Law: They are People Too
    29. Male Bonding: Leaving Your Friends at Home
    30. You, Too, Can Be a Designated Driver
    31. Seeing the True You
    (formerly titled “No, You Don’t Look Like Mel Gibson When Naked”)
    32. Changing Your Underwear: It Really Works
    33. The Attainable Goal: Omitting “tits”? From Your Vocabulary
    34. Fluffing the Blankets After Flatulating is Not Necessary
    35. Techniques for calling home

    ——————————————————————————–

    What is the difference between a golf ball and a g spot?

    A guy will spend the whole afternoon looking for a golf ball……..

  • Joyce says:

    I have 5 credit cards with different limits and rates.I’m in the process of paying them all off, however I know you need to have balances on your cards for healthy credit. How many cards should have a balance and how many should be unused?
    @Stephen, if i have no balances, then what’s the point of having credit cards to begin with? How else will I build credit history?

  • Reinaldo says:

    My husband & I got married last year. We consolidated some debt on one main credit card with a low interest rate & a $5000 limit. It got maxed with the debt & we’ve been slowly making payments on it, just a little over the minimum.
    He gets a yearly bonus in December & we agreed to use it to pay this credit card down, along with some of his other debt (he has an old collections for a few hundred & taxes due from the year before.)
    WELL to no surprise, he didn’t spend that bonus on any debt. He spent it on a newer snowmobile & trailer (one of those deals he just couldn’t pass up.)
    So my dilemma is, I have a little over $2,000 from back paid child support.
    What should I do with it?
    I could pay part of his old debt off, pay down our maxed credit card, or pay down the balance of a different, closed card?
    I know that paying his collections off would help us as a team, but I’m so angry & disappointed that a 31 year old man was so irresponsible, he didn’t care enough to pay it himself. (I’ve been in two previous relationships in which both men were irresponsible with money also, so I may be more sore to the subject.)

  • Mee says:

    Alright so, this is getting really annoying.
    I got a paypal account a few months back simply because I don’t have a credit card (for personal reasons) and needed to buy some things off the internet. Ok so far, however I received payment last week from something and the money was sent to my paypal account, but now every time I try to log onto paypal a window of sorts pops up telling me that paypal couldn’t recognize my PC and so I needed to verification by putting my credit card number…which I don’t have…otherwise I wouldn’t have bothered using paypal.
    So my dilemma is that I apparently need verification, but I don’t have the credit card to verify with, plus how can they verify anything if I don’t even have a credit card info on my account to begin with? Stupidest part is that when I try to get in touch with paypal either by getting their phone number or email adress I get blocked AGAIN with the same verification deal and it won’t let me go any further, even when I pick the “no account” option…how does that make any sense?
    Not to mention this is the ONLY PC I’ve ever used on paypal.

    I’m actuallystarting to think that either I’m being scamed, got some weird virus that’s trying to get my info or paypal are being retarded. Someone please help before I throw my PC out the window…

  • Minnie says:

    I always love surfing the net to find amazing deals on clothes ect. but my mom hates useing here cars because of the posibilities of identy theift in which she never lets me user he card. Are there any other solutions to this dilemma that you can think of let me know. It would be greatly appreachiated

  • Britta says:

    So, here’s the deal:

    I’m offically broke after getting setup for my first year of grad school (car, car insurance, gas for the drive from ATL, GA to KC, MO, my apartment, still looking for a part time- job which i cant take until i know my class schedule, etc)

    But I have to fly back to Atl for a wedding in Aug.

    I dont want to tell her I cant be in her wedding( I feel thats just rude), so what should i do? Max out my credit card for the expensive *ss ticket which I cant buy till I know my class schedule? Ask my parents who have already given me loads of money to move to KC? What? Helpful suggestions are very welcomed!
    Sandy Ego, I am no mooch you bitch! I work now in ATL at home and help out as much as I can by buying the groceries and gas for our cars. My parents want me to go to graduate school and are willing to help as much as possible. Also, I didnt commit to being in the wedding knowing all these expenses would interder with buying a plane ticket. (you dont know what all has happened finacially this year)Hell, when I got my dress, I still didnt even know which school I was going to choose to attend. I could have sworn I asked for helpful suggestions.

    So you can go to hell!

  • Winona says:

    I am getting married to my bf of 8 years in July. Initially, we weren’t going to have a ceremony and were going to go city hall to have it done then fly to the Bahamas for a vacation. I’m the first of my mom’s three daughters to get married so this is a huge deal for her. She despises the idea of not having a wedding and has offered to assist in financing it. I do not want to go over 50-60 people because we still have bills, don’t make a lot of money, and would still like to go to the Bahamas. Plus, I’ll be quitting my full time job to return to school full time in August. While my mother has 3 kids, my biological father has 8. I have 16 first cousins, four aunts and uncles, my 3 really good girlfriends, not to mention my “adoptive” father, my mom’s husband, my biological father and his wife, and my grandparents. Now if this were just MY wedding, this wouldn’t be an issue but husband to be has friends and family as well. I’m at damn near 40 guest on my own. I have nieces and nephews my age and other distant relatives that I would like to invite but there is no way I can invite everyone I want and keep the guest list manageable. I’m not want one of those people who are willing to charge my wedding to a credit card or and taking out loans are out of the question since we will have a decrease in income with me going back to school a month later. I want to say f&@! the whole thing, go to the court house next week, have a civil ceremony, and take a trip in a few months. My fiancé doesn’t care about any of this and would have married me last year if I said ok. I’m so lost and I want to go back to my original plan but I don’t want to disappoint my mother. Just the stupid guest list is already stressing me out. On one hand, Im excited to have a wedding but on the other hand, I don’t feel like the stress involved with the planning and financing is worth it. Please offer me some advice.

  • Lewis says:

    I am seeing this guy and things are very serious and steady. However, since day ONE he has been stingy with me.

    First night we met, he was OBVIOUSLY chatting me up…but didnt buy me a drink.
    The next day he asked me to lunch at Subway… let me pay for my own. We’re talkin SUBWAY. First of all, it’s $6.50. Big deal. Secondly, HE asked me..and third of all, he was clearly interested in me, we’re both single..it was a lunch date and he’s the guy. No matter which way you slice it: he should’ve footed the bill.
    Another time we were out for happy hour and I only had a credit card..you have to buy 20 dollars worth to put it on your card, so I asked him if I could buy his drinks and he give me the cash, 10 dollars for an 8 dollar drink…I actually gave him the 2 dollars change after going to the ATM..almost just to make him feel like an @$$ for counting pennies the way he seems to (with me.)
    On our first real date, yes..he did pay. Okay fine. Second real date, we went bowling and out to eat. I offered to pay for the food since bowling in Manhattan was pretty expensive. He allowed that no fuss. And was not shy about ordeirng what he wanted.
    We went out for coffee and again, he let me pay for my own.
    He paid when he took me out for Valentine’s day.
    He introduced me to his brother over lunch at Chipotle during BOGO week and was sooo excited to use his BOGO coupon with me.
    We went to a movie in the city, and he let me pay for all my own stuff.

    Okay so by this point, we’re pretty much a couple so from this point on yes, I don’t mind splitting costs with him bc I don’t believe the guy should pay for everything throughout the whole relationship…but up until now this has been his COURTING of me!!! lol

    and here’s the kicker: I’ve learned through conversations with him that he’s not just cheap by nature, which was originally what I was thinking to make myself feel better. He picks up the tab for drinks for his friends, and a few other things that indicate he’s not just a cheapskate.

    What’s his deal? Should I be put off, because we all know that a guy treats you best when he’s trying to woo you….. Is this a bad foundation for our relationship? Kicker part II: he mentioned at one point that he’s treated me like a princess. LOL. Really??? That’s his idea of the royal treatment, and it’s all down hill from here…… (but in every other aspect he HAS been perfect so that’s my dilemma.)
    We are out of “university” aka college.

    And as for testing to see if I’m after $$, he is not rich..he probably makes, I would guess, 60,000/yr in Manhattan. But he’s living at home rent free… there’s no way I could be after his money, but there IS a way he could’ve wooed me properly.

    I don’t think I’m snotty, I’m just USED to men acting a certain way. I come from a small town in middle America and was conditioned to put my wallet away, bc I was ordered to anytime I took it out when I was with a male of any sort–friend, date, etc…
    ALL of the first few dates were his suggestion, so by that rule of thumb, he should’ve paid total. Not just the first one.

    Also, to the person who said bc I offered to pay for food, I should’ve been prepared to pay for whatever he wanted, fine and I was…BUT i will say that all of my years being paid for, I was always very considerate of what I was ordering. I always ordered one of the cheaper things on the menu…so much for being a spoiled princess. In fact, the Valentine’s Day date, I ordered off the Specials menu and suggested we SPLIT the lobster and steak (it sounds expensive but it was on Special.) So that’s my idea of going in equal: You pay bc it’s tradition and I’m worth it, and in turn I will be very careful and considerate of your dollar. When it was MY time to pay, he pretty much just stocked up.

  • Ranae says:

    I’m in a bit of a dilemma.

    I’ve stopped qualifying for financial aid some time ago while attending Georgia State University two years ago, and now, my mother and I can no longer afford to attend a semester there. They stopped giving me money because they said I had dropped too many classes, and now, whenever I will want to go back to school, I will have to prepare to pay nearly $3000 a semester for full-time.

    I’ve been trying to find a job to make ends meet, mainly to pay my credit card bills, but, due to my very limited work experience (I’ve only done work-study at one university and I did some volunteering at a library for four months), I guess no one wants to hire me, especially in this economy, with people with degrees who have been working for years who are being laid off and taking anything THEY can get to make ends meet, so I’m competing with them, in a way, for the entry-level jobs.

    My mother’s been hyping up doing a Certified Nurse Assistant (CNA from here on out) program for months now, and it’d be something just to get my foot in the door and make some decent money to pay for everything so it could cut my mom some slack, but I don’t really want to do it. I know next-to-nothing about what being a CNA entails, and the more I read about it, the more uninviting and demanding it sounds. I don’t think I have the temperament or the people skills required (I’m not a people person) to run around in a medical center and keep track of people all day, especially the really elderly and/or infirm (Mom tells me being a CNA includes working in nursing homes); I’m not good in the sciences to begin with, so I don’t want to take any state certification exams where I have to have memorized everything, and I don’t want to do hospital rotations where I have not to particularly just do a good job, but to also suck up to corrupt instructors who may just give me a bad grade no matter how well I do because they have some personal bias (my brother said one of the instructors he had while he was doing radiologic tech was a racist who had problems with black people). I would prefer to qualify for an office or customer service job, instead; it would be simpler to just work in retail, but apparently, I could fill out online applications all day ’til my eyes and fingers bleed, but I never get anything out of it. I’ve never once gotten anything out of applying for a job online.

    At this point, I may come off as whiny, self-indulgent, and probably even pugnacious, but I only have the first two qualities when it comes to my family (hee hee :)); elsewhere, I’m a very hard worker, perhaps too eager to please when I’m in a working environment. I just don’t want to work and be educated in an environment where I have to deal with stupid personal politics and may even suffer unfair treatment (which probably sounds like a tall order for life in general..). I want a job where I can be appreciated for the work that I do; I don’t want to have to suck up to anybody or snap at testy people, because I find the former behavior degrading, and then, I’m too emotionally sensitive to even engage in the latter (and I know I will have to — my brother has had to do so a few times).

    Mainly, I’m an English major at Georgia State (I’m overly verbose — could you tell?), but I keep having the feeling while being there that there’s no way I could get a job in my major. I don’t know if it’s really self-doubt fueled by the costliness of the classes, or just the fact that I hate doing core classes there, and I may have transferred out of my two-year college too soon.

    I keep thinking that maybe I should get a small certification or diploma from a technical college just so I could get a good-paying job with that to pay for finishing out my studies at Georgia State (plus, I’d have some practical skills in the meantime), but in the time I could get an Associates Degree, I could be finished with my Bachelor’s, since I am a Junior at the moment.

    What should I do: should I get a degree or certificate at a local technical college to make ends meet for now; or should I just get a small job and pay my bills while somehow, my mother finds a way to pay my tuition while she will no longer have to cover my credit card bills?

    I know it’s a lot of words, but thanks for reading. :)

  • Tai says:

    My dilemma is: I had previously had no problem donating via Paypal (I am in the U.S.). Now all of a sudden, the pastor of the orphan program is saying that Paypal is no longer doing payments for India. So that leaves Western Union, which I have never used and I don’t know the cost to me or to the recipient, or to try to figure out how to set up an account with SBI (I have yet to figure out how to do this).

    Please help, I am used to dealing with larger charities like World Vision that accept credit card payments, but I really want to continue to sponsor this particular orphan, I just don’t understand why it has to be so difficult.

  • Angela says:

    Hello if someone could help me out with this situation I’d be thankful for a lifetime. It’s a dilemma between my credit card company Capital One and the vender MusiciansFriend. Anyway the whole problem started when I called Musiciansfriend and placed an order for a guitar amp of $429.98 and bought warranty for $59.99. Musiciansfriend then made the first mistake and charged me twice for the same amp and warranty. Charging my credit a total of $979.94.

    I called Capital One and asked them to adjust the transaction and only charge me for $429.98, and $59.99 only. Capital One did just that, so I thought end of story.

    Today I was notified by the Musicansfriend saying that, Capital One never payed them for anything. That the stuff I had was not paid for and therefore was still owed. I said wait a minute, I already paid for $429.98 and $59.99, how could you say Capital One never paid you. They said that Capital One charged me and then went ahead and took the money out of there account and credited back to me. That is not true because I just checked my online statement, and Capital One did charge me for $489.97, and the other transaction was adjusted.

    So why is the vendor claiming they never got payed when clearly shows on my statement I paid for one transaction and the rest was put back in there account.

    Musiciansfriend is now harrasing me with phone calls that if I don’t send the stuff back they are going to send my bill to collection and it’s a nightmare. Can somone share some insight or how to properly deal with this. I want to keep my score in good standing. Plus I already sent the extra amp back but they want me to send both of then back when I already paid for one of them, it just doesn’t make sense. I’m caught in the middle and Capital One and the vendor can’t make a third way call, to speak with each other while I’m on the line aswell to clarify all this. If the vendor calls Capital One, they wont be able to obtain my information.

    And Capital One can’t call the vendor for which reasons I don’t know. I wish to get this settled, what is the proper way to deal with this.

    Help!

  • Robin says:

    I have a dilemma,
    I live in Australia
    In a months time i will be going to the following places

    Switzerland, (about 4 weeks)
    London (2 days)
    Northern Italy (1-2 days)

    I want to exchange about $2000 australian,
    but im not sure if
    a) I should exchange the money now before i go
    b) I should exchange the money when i get there and take australian cash with me
    c) I should wait till the australian $ increases then purchase EUROS
    d) I should get Pounds for london and francs for switzerland?
    e) I should take euros and put some on a debit card and deal with the 2percent + $5 fee
    OR
    f) get a euro gift card (Credit card) and load that up with $2 grand and pay the $11 fee
    HELP!!
    im so confusedddddddddddddd

    PS i already have 440 francs

  • Bill says:

    My first Vegas trip!!! Going for a weekend in a few months and don’t know how money works out there. My bank doesn’t have a local branch and I plan on playing with more then I can get from my ATM card. I know I could apply for a marker but don’t need THAT much. I really don’t want to take that much cash on a plane with me either. What do people do? How do they get money?

  • Sheree says:

    I’m in a dilemma, I have about $6000 dollars in credit card debt. Well I am about to get some extra cash, about $6300 to be exact.

    Well my fiancee thinks i should save the cash and just pay on my credit cards from my check. (I am able to pay about $700 to $800 from ck including extra money given by my fiancee). His reasoning is because our car has been having issues and it is about time for a new one.

    I personally would rather take all the money and pay off my debt because of the interest (ranging from 9% to 21%). Also, i figure i can just repair my car and drive for another year or so. And just keep my extra cash out of my ck for savings.

    I’m not sure cause i watched Suze Orman this weekend and she said don’t pay off credit cards without having cash because these banks are closing accounts once it is paid off.

    Help! Should i spend all and pay off the debt or keep paying interest and pay off debt in 6 to 8 months.

    P.S. I am just getting to the point of having extra cash because I bought a condo six months ago and used cash advance from credit cards for some of down payment and so after holidays and such i’m finally on track to conquer my debt.

    Thanks!
    I recently bought a condo and they are giving away cars. So i’m not too much worrying about credit right now.

  • Wendell says:

    I have four credit cards and I want to put the amount owed all onto one credit card with a lower intrest. I also don’t have very good credit. Any help would be useful. Thanks.
    The amount owed is not more than 1,500 between the four. I always pay double of what the minimum payment is.

  • Carolee says:

    A is a company that is involved in the collection of marketing information (magazine subscriptions) and usually purchases them off other parties. The thing is, one of A’s employee saw that a firm also included their consumer’s credit card and personal details. The employee said that it shouldnt go into their database but this was rebutted by his boss, as he thinks only the database managers would have access.

    The question here is, under the Australian law, what are some of the legal issues faced and the dilemma the employee is facing? What could and should he do? Help please!

    Thanks

  • Jerrold says:

    Ok heres my situation–

    I’ve been married before but I am recently engaged and my fiancee and I are debating whether to have a large or small wedding, for budget reasons. Here’s our financial situation– He has been out of work for about 6months. And I am recently out of work. He just started back to work and is making decent pay and I started something part time to help supplement. His parents are giving us 10k to get married and mine are not contributing as they paid for a large wedding the first time. We are also moving across the country. He’s already there but none of our stuff is. I calculated moving expenses at 2k and we want to spend 3k on a honeymoon. Since we’ve been out of work we only have 5k left in saving. If we have a large wedding, we will spend most of the 10k but will NOT go over. That leaves us with moving expenses and a honeymoon that we have to pay for. We think we can cover the moving expenses by saving from now until then (February) and we are hoping that the wedding money will cover the honeymoon expense (but thats a gamble), leaving us with 5k in savings. I realize this doesn’t seem like much but we will have our taxes back shortly and that should add another 5k to our savings, not to mention we’ve had a rough last six months!!

    BUTTTTT…. if we have a small wedding for 3k and 2k for moving and 3k for a honeymoon, we’d have 2k left over from the wedding money his parents are giving us and would then have 7k in savings with taxes coming shortly after.

    The problem in deciding is that I want a large wedding. I want to dance and have an open bar. I have a REALLY good deal on a ballroom for a February wedding right now and that wont be available to me after February but I want to save money. And the small wedding is still a beautiful church wedding with appetizers and an open bar at a ritzy downtown restaurant.

    I should also mention that we NEED to have money saved as all of our monthly expenses take up almost all of our income right now and we have a couple credit cards we are working on paying off. But I don’t want to regret having a small wedding…

    What do you think??
    The money from his parents is a wedding gift and NOT just for a wedding.
    Also, we are both working now and my fiancee has a VERY good job (whether we have a small or big wedding) will be paid off in less than a year– we don’t have that much debt.
    Also, the honeymoon is not debatable. It’s the #1 thing I want to spend the money on and I know that his parents would prefer that we use the money they are giving us first and foremost for a honeymoon.

  • Myong says:

    I have several credit cards. Most of them have a zero balance. I do notice the credit card companies keep sending me blank checks wanting me to take advantage of low interest rates theyre offering.
    Will the financial troubles have any effect on my credit cards? If so, what?

  • Kayla says:

    …BUT I have $8k in credit debt. Shud I use $ to pay loan or Credit?
    Here’s the deal… My credit card APR;s are so high, that I get charged like $75-100 a month PER card in finance charges… so basically around $300 is up in smoke a month. But I took a loan from my 401k out (8000k) and paid off 3,300… leaving 4,700 left which I must pay next month. So is it better to lower my credit card debt to get my finance charges lower…and then let the loan “Default” so to speak? I understand that I will have to pay penalties, but what other consequences are there? Is my FICO/credit affected? Does it show a “non-pympt” loan (to myself) on my credit report if its not paid off? So basically I have the dilemma of not knowing if I should take my $5000 and pay off as much credit debt as possible, and then just pay the penalities of letting the loan go into default. arrghh. “Confused I am.”…”Advice I seek”… hmmm?

  • Cherise says:

    I recently relocated and divorced and ran up credit card bills to get settled. Doing this alone has caused some financial problems and since I have utilities and cards and food, etc., to contend with alone, I’m now in a fix. I have no children. I’m 55 and own my home. My car is paid off. I just need to file bankruptcy to get rid of the credit cards and concentrate on paying the necessary bills, mortgage and utilities. Would I lose my house by filing? Am I eligible to file? I’m also on a fixed income. I also need to have expensive dental work done. This will add onto my dilemma. Although I have insurance, it only covers up to a certain amount per year. My dental bill will cause me to pay the remainder out of pocket. To me, bankruptcy is the only way to go, at this time.

  • Stanley says:

    Credit cards are becoming more and more picky about extending credit, and the interest rates are through the roof. What are some other ways I can establish solid credit without a credit card or major expenses? I go to college full time and work full time, I don’t want to get into heavy debt.

  • Hoa says:

    My mom wants to transfer some credit card balances that she has over to a new credit card that offers a lower interest rate. Does anyone know some good credit cards with low interest rates?

  • Jacinto says:

    So my credit score is something like 562. I am looking to get a credit card with something like 2000 dollar limit or lower that wont have unbelievable fees. Does something like this exist? I’ve applied for credit cards over the last year and have been denied each time. Yeah, my credit sucks. What can I do?

  • Alfredia says:

    I have 3 credit cards equal to about 2,000 that I am paying off. All cards are closed but once I pay it off will this help my credit score? I currently have 1 active credit card.

  • Trina says:

    I have some credit cards I have not used and want to cancel them so, I can up my credit score.

  • Sofia says:

    I have a few personal credit cards and I want to consolidate them. I also am self-employed, but I dont’ have a business credit card; although I get LOTS of ads for them in the mail. I’ve always wondered, what is the difference? Are there different rules or fees? Can you only use them for business purchases? Do you have to spend a certain amount to keep them?

    Any advice appreciated…

  • Agatha says:

    I’m going to have a booth at an arts and crafts fair. I’m not sure how to accept credit cards. do i have to go with the manual cordless credit card machine or are there more options. thanks
    How do i get the wireless equipment free?

  • Eliseo says:

    I have excellent credit, all 3 scores in the 758 to 798 range. I only have 2 credit cards, but theyre both just basic cards from when I was 18. They don’t offer benefits/rewards or anything. What card can I apply for that gives rewards to people with good credit?

  • Nettie says:

    that they replace under warranty. Also want me send back the old memory plates they replaced. I have a lot of information i.e. Social security #’s, credit card #’s and a lot of personal information that I feel will be breach, if it got in the wrong hands. If I don’t send these parts back within ten days, they will charge me for cost of the new ones. What would be the most correct way to handle this dilemma? or am I worried about nothing?

  • Noemi says:

    I am a college student and I want a credit card or two to help start building my credit. What credit cards can I apply for with no credit history?

  • Dianne says:

    My account was closed by the bank due to number of credit cards I have and high balance. I will be able to close all in 6 months. Can other banks close my credit card accounts as well? What is the best way to handle it?
    Thanks for the answers but my problem is:

    I have one card which was closed by the bank and limit on one other were reduced. I am afraid that this will create a “domino effect” and all other banks will start to close my accounts. How possible is this? Another question is: how bad will the effect of a closed account by the creditor will be on my credit history?

    Thanks guys for your answers

  • Lowell says:

    I am not very business or economically savvy. What does it mean to pay off one’s credit cards? Is it referring to credit card debt?

  • Phillip says:

    How did credit cards Revolutionize they way we live today?
    Do you the history of the credit card?
    How do credit cards effect us?
    Positively
    Negatively?
    Thanks!

  • Ernest says:

    Brief summary:

    I am currently in over-drive mode paying off my stupid mistakes of the past. I am 24 years old and have a little one on the way (Due beginning of October). I want a fresh start and to have a better financial situation for the sake of my daughter. I have been working diligently to pay off credit card debts and cell phone bills that went into collections years ago when I was very irresponsible. I also have about $3K in student loans that are in collections. So far, I have put a nice dent in this debt. At my current rate, I will have about 80% of the debt paid off before 2013.

    My credit score is 530 right now–Terrible, I know :( Here is my dilemma: I know that keeping existing credit cards open at low balances is the best way to repair credit, but all of my credit cards went into collections and were charged off. I am paying them off now after they have been closed. I have no car loans currently and no open credit. I am also on a family share plan for my cell phone, so that’s another bill I’m paying for but not getting credit for. I am paying off a recent energy utility bill on time, so I believe that might count as credit? Basically, I’d like to know what my options are. Are there any other ways I can help speed this up or is what I’m doing the only way? ANY feedback/suggestions would be welcome! Thank you!
    Guess I was misinformed about the phone bill & utility correlation to credit! Good to know that.
    Thank you both for great answers. I will continue what I am doing and build up my savings account.

  • Gil says:

    I currently have two credit cards, but would like to get one final one. I’ve been getting turned down for a few recently that I thought sounded good. What are some good cards and websites where I can get a credit card that almost every gets approved for? I’m young(21) and trying to establish some more credit. My friend got approved for a Best Buy credit card tonight and his credit isn’t that good. However, I just want a main card(for example: visa, discover) and not a store card. Thanks for any help.

  • Hassan says:

    Store Credit Cards that is?

  • Victor says:

    I want to compare the different credit cards from citibank and apply online.

  • Chun says:

    I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what’s d’ best credit card for the people whos just starting building credit.

  • Colton says:

    I am ordering something off etsy. I have two gift cards that are like credit cards and can be used anywhere. Is it possible to do too payments in one order to get the total amount? Or will Etsy only let me use one credit card in form of payment.

  • Celeste says:

    I am applying for a secured credit card after bankruptcy (due to medical bills), Is it to my advantage to get 2 or 3 secured credit cards to build history or only use one? I dont really need or want any loans/credit cards right now and I am big on paying cash but I need to rebuild my credit rating. Will 2-3 secured cards build my credit faster then 1 secured card?

  • Lavina says:

    Would it be find to have 5 credit cards and be in a good standing?

  • Dave says:

    I’m going to have a booth at an arts and crafts fair. I’m not sure how to accept credit cards. do i have to go with the manual cordless credit card machine or are there more options. thanks

  • Mi says:

    I heard somewhere that some credit cards can damage your credit even if you pay on time and more than the minimum balance. Is this true? What kind of credit cards would be like this? Thanks for your help!

  • Garth says:

    I wish to avail one. In many places VISA® credit cards are mandatory. For example, last year I tried to register for G.R.E., and they did not accept my Axis bank debit card which is a VISA card. In their website, they ask for VISA® or MasterCard® credit card/debit card. Can anyone please explain?

  • Billie says:

    I have 2 credit cards and they’re not even that much. I’ve been paying every month to reduce the balance but after interest charges, it seems to go straight back up. I recently checked my credit score, and it’s in pretty OK shape. I know if I get another credit card, my credit limit will be enough to cover for both debts. My plan is to just get a new credit card with no interest for one year and pay them off then cancel my other 2 credit cards.
    Is that a safe idea? Will it affect my credit score (negatively) that much to do so?
    Thanks.

  • Shon says:

    I currently have a TransUnion score of 570 and Experian score of 569 with no credit cards, 17 accounts in good standing (installment loans), and 5 derogatory accounts. I’m working on improving my credit and have learned that credit utilization (credit card balance/CC limit) accounts for about 30% of the FICO score.

    My questions are:

    1. How is credit utilization factored into the score if there are no credit cards?

    For example, since it counts for 30% of FICO does that mean the highest achievable FICO score is 70% of 850 (highest possible score) if no credit utilization or do the other factors have more weight if no credit utilization? Traditionally, the score is weighted: 35% payment history, 30% credit utilization, 10% credit inquiries, 10% types of credit, and 15% length of credit history.

    2. How much can I expect my credit score to raise in the next couple months if I open a credit card and keep utilization below 20%? Will my score increase 30%?

    3. How much will it raise over the course of a year? Will a see a large jump in the first few months as a result of opening a credit card then the increase will lessen throughout the year?<—for example, jump 50 points in first few months then only raise an additional 10 points throughout the rest of the year.

  • Melony says:

    I get some credit cards I would like to pay off as soon as possible. I read that you should pay the card with the higher interest rate first and then pay the minimum payment on the other cards. I like the idea of consolidating all your credit cards and make one payment , as this would make my life easier. Which option would be better, pay off each credit card or consolidate?

  • Queenie says:

    If no one ever paid for use of credit cards, the credit card companies would go out of business.

  • Joyce says:

    I have 4 credit cards (limits are 1000, 3300, and two 500s) and was considering getting rid of one 500 credit card. Should I pay the whole thing off and KEEP it or GET RID of it??

  • Dorian says:

    I see adverts all over the place for credit cards for people with poor credit ratings, but not good ones. I use my credit card a lot for business travel, and have an unblemished credit history, surely I should get better rates?? The current credit card rates bear no resemblance to the currently low base rate.

  • Elden says:

    First time dealing with credit cards need as much info as possible.

  • Phil says:

    Is it better paying of Credit Cards BI Weekly Or monthly. I want my credit score to get in the 700’s.

  • Noe says:

    I work at Target and one time I rang up this guy that wanted me to charge him $2,000 for a few gift cards and put it on a credit card. Later on my team leader explained to me that he couldn’t go over a certain amount and that the credit card he used was possibly stolen. What would he accomplish doing that? Who else has had experience with stolen credit cards? Who has time to research all these ways to commit fraud? What other things can somebody do with a stolen credit card.

  • Shirley says:

    Is there a financial guideline, rule of thumb, etc. for how much credit a person should have via credit cards? I am a responsible user and pay off my balances every month. I often wonder how much credit I should carry beyond my regular spending patterns. Should I keep as much as possible for an emergency, or should I streamline and eliminate extra cards/credit due to the risk of identity theft?

  • Porfirio says:

    I am currently a college student with 2 checking accounts (Wamu- 3 years & BOA- 1 year) and 1 credit card (Citi- 1 year). I have always met the requirements for my checking accounts and paid all my credit card bills on time. As for loans, I do have about $10,000 of student loans in debt. I was wondering if it is okay for me to get another credit card. Also, many say that having a lot of credit cards are bad for you. What is the reccomendation of how many bank accounts and credit cards should I have so that my credits would not go down? Thanks in advance!

  • Rodney says:

    When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than half of the available balance your credit will be fine. Is this true?

  • Reyna says:

    I think there are 7. So far I have smart cards, credit cards, debit cards, cash cards, and charge cards.

  • Moises says:

    I have three credit cards but only use one, and pay it off in full every month. I am planning on making a big purchase at Best Buy and can save a lot of money if I open a credit card with the purchase. (I believe like 20% which would be almost $150). I would never use that card again.

    Is it bad for my credit rating to have credit cards that I never use?

  • Miquel says:

    Both personal and small business credit cards would be helpful. Thanks!
    I know through personal experience that American Express DOES require a SS# when adding additional cardholders (at least for personal cards), and that Advanta does NOT require a SS# when adding additional cardholders.

    Personal experience with additional issuers would be helpful.
    Please provide specific credit card issuers. Thanks!

  • Lona says:

    What impact does closing credit cards have on your credit score?
    I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?

  • Emely says:

    Best credit card to get?
    How much do you pay on it monthly on average? Average max spending limit?
    And what affects those things?
    Just basic information about credit cards please.
    I wanted to keep using Chase, do you recommend them?

  • Rosendo says:

    I got a new credit card in the mail through an airline. I didn’t know I was applying for a card, I thought I was joining the frequent flyer club.

    I have not activated the card. I thought about keeping it in a drawer for emergencies, but the interest is outrageous, so I want to cancel it. If I call to cancel, will that show up on my report as a closed credit card account, or would it not show up at all because I never activated or used the card?
    Earlier this year, I paid off all of my credit cards and have not had an active card for 5 years. I recently got a new card with ample credit and a decent rate. Because I’m a recovering spend-a-holic. I’m fearful of having too much credit available.
    To answer your question Laissez-Faire Guy, I, too agree that the activation is a scam. When I activated my other card, it was an automated process, then they patch you to a “customer service person” who wants you to buy additional services. It was hilarious b/c he was foreign and reading a script. After I kept saying no, he read the end of his script so fast, he sounded like a disclaimer in a car commercial.

  • Nettie says:

    If a credit card company or bank lets you apply for a credit card and approves you even if you don’t have the proper requirements. Is that credit card fraud?
    Are there situations where banks over look applications and give cards anyway?

  • Leonel says:

    I’m soon to be 18 and am looking to get a credit card to help build credit. My dad said the best thing to do is to just use it to buy gas, but I’m not really all that up to date on how credit cards work and which ones are the best. Does anyone have any wise credit card wisdom to pass on to me?

  • Kris says:

    What are some name of credit cards that have high credit limits? Are there any credit cards that have a $100000.00 credit limit?

  • Louie says:

    ok im planning to use my credit card gift card on a rhapsody subscription online. how would i be billed if I use a credit card gift card like an Amex gift card? would a bill be sent to my home(that wouldnt make sense cuz im paying with a prepaid card)?
    i mean when i use it online? will something be mailed?
    how will the online retailer know its a credit GIFT CARD?

  • Ernest says:

    I have no credit card debt but a few credit cards that are open I never intend on using. Is there any way I can close these accounts without hurting my credit? I do not like the idea of having open credit card accounts, for fear of theft of these numbers.

  • Suellen says:

    I want to get a credit card to purchase a laptop and to build credit. What is the best card I could get with the most benefits and best interest rates?

  • Huey says:

    The credit card is already registered to the account. Is there any way to transfer money from the card to the account?

  • Sunday says:

    I want a credit card with a good balance tranfer offer. Six months at 0% will do fine.

    It might be nice for it to be otherwise a good credit card too because I might pay the balance off in about a month and still want to use the credit card.

    I already have a Amazon credit card with Chase so I think I need to use a different bank.

  • Noe says:

    I’ve never had a credit card before what are some tips in getting accepted?
    Forgot to mention that my main reason is for building credit.

  • Carrol says:

    I want to get a credit card so that I can start building good credit. What are the best kind of cards to get, I don’t want to get anything to complicated. I, of course, want to understand what is going on.
    I graduated from college, have a good job, have a good bit of money in my savings. I’m planning on buying a car soon and was told I need to have some kind of credit to do so.

  • Aubrey says:

    What is the easiest credit card to get these days for someone trying to either build non-existent credit or reestablish credit? Any specific store cards that are easier to get than others?

  • Era says:

    I am 22 and looking to apply for my very first credit card. I don’t have very good credit since I’ve tried applying for store cards before and they’re always declined. I would like to have a credit card now since I’ve got two jobs and might need a credit card in emergency situations. Thanks for your help!

  • Kareen says:

    I have good credit and im in the market for a business credit card. What company offers the best rates, offers, cash back programs ect? Please give me some ideas on programs i should look into from the major cards like, AE, Discover, MC, and Visa.

  • Era says:

    There is a credit card showing on my credit report and I didn’t know about this specific card. I have the name of the card, the card number and balance on this card. I want to know what it was used for. Can someone help me?

  • Melony says:

    I want to apply for a walmart credit card but im not to sure exactly how that stuff works. Lets say i want to purchase a playstation for $400 and i use my credit card, how does the rest work?

  • Edmund says:

    I requested a new credit card with a lower interest rate than my two cards now with the intentions of paying off the two cards with my new card. The new card credit limit is not enough to pay off the other two, however, so I don’t want it anymore. I requested it online, was “approved,” and just received it in the mail today. What will happen if I just throw it away without activating it?

  • Holli says:

    I just want a credit card to help buld my credit. But im not to sure where to start or what direction to go in. Im new at this and kinda lost.

  • Cyrus says:

    I just want a simple credit card where I can build my credit up? What is the best one?

  • Darnell says:

    I want to get a credit card to build up my credit and also for emergency situations. I don’t know all that much about credit cards except the basic buy now pay later. Where i can find a good credit card to get me started(preferrably visa)?
    I’m 23 and don’t have a checking account. My paychecks are direct deposit to a debit card i got through my job.

  • Donette says:

    Will they take a credit card check for a loan payment?
    I am going about selling something and the person wants to pay with a credit card check. It’s not my own credit card check. I just want to make sure they will accept it.
    I am going about selling something and the person wants to pay with a credit card check. It’s not my own credit card check. I just want to make sure they will accept it.

  • Lacy says:

    I want to get a credit card, but I want the credit limit to not exceed 200 dollars. (im new to this whole credit card thing lol). Any suggestions?

  • Darnell says:

    I’m looking at getting my first credit card. I’m 20 years old and I have a credit card that is linked to my parents, so I have near perfect credit. I’m trying to start building my own credit and I want to know what is the best card for a young person trying to build their own credit.

  • Emma says:

    I want to get a credit card but I have no way of getting on with out any credit. How is it possible to get a card. I need to build my credit to get loans for school.

  • Cherilyn says:

    I have credit card and i would like to purchase products online, but i am fear of credit card frauds and hacking the same. So what can i do to purchase items more securely with my credit card ?

  • Oswaldo says:

    Will my credit card be under a cost of goods account, expense account, loan or what? The equipment had already been paid in full by the credit card, now we are paying the credit card off. Should I name the credit card as a vendor?

  • Maribel says:

    I have a credit card I hardly ever use because of the high interest rate. I do not owe anything on it and I have another card in good standing. If I cancel the high interest card, would that impact my credit rating, positively or negatively?

  • Kathern says:

    I have made some bad financial decisions in my life and as a result I have horrible credit. I am looking for a credit card company that will issue me a card in order to rebuild my credit. Are there any companies that don’t have an outrageous interest rate that will help me get my credit back on track?

  • Marianela says:

    Need help writing a paper, i need some topics/points on how credit card companies take advantage of Americans? Or like the effects of having a credit card.
    I have no knowledge about credit cards what so ever.

  • Jesenia says:

    I’ve heard that credit card companies only do checks at certain hours of the day. Is this the case? I’ve known people to apply for cards late at night only to be told there has been an error with their application. Any ideas?

  • Darell says:

    How do I account for credit card expenses on quickbooks online basic?
    And how to treat credit card charges?

  • Chester says:

    Keeping credit card will put me in trouble? Because banks coming forward to me for issuing me a credit card.

  • Madeleine says:

    How can I build my credit up without aplying for credit cards? I curentnly have a car loan and a personal loan.
    My CR says I dont have enough revolving something.

  • Carmela says:

    Can you please include the types of cards that a 19- year- old can get. What I mean is, some credit cards are difficult to receive based on age etc. I have a credit card and I dont like that company and I am about to actually close the account, but I want another credit card..

  • Omer says:

    As far as I know, credit cards involve paying interest rates to the bank wich costs additional money on top of the purchases price. On the other hand debit cards are free when used in offline and online purchases, so does anybody know why people prefer to use credit cards instead of debit cards ?

  • Noe says:

    When I got my ps4 I wasn’t aware you could use your ps3 email to continue your original gamertag, I made a new one with a new email and new credit card info and everything and of course bought a year subscription of ps plus so I can play BF4. But now that I know that I could’ve been my original name with original friends, PLUS get great Playstation plus deals on my ps3 (that I still play often) I realized I made a mistake! Because how am I suppose to transfer the ps plus to the new guest account? I can’t! I have to buy another years worth huh?! :”( WHYYY

  • Margarite says:

    My boyfriend borrowed money from me
    to pay his cell phone and said he was going to pay me the next day back. iam not mad cause of the money , but its been almost one week and he hasnt even mention if he is going to pay me back or no. he doesnt have money problems because he earns almost 900.00 every two weeks.And he bearly got paid.
    i been saving for a car and i bearly have what he gets paid every two weeks. Why doesnt he tell me anything if he can pay me back why doesnt he just tell me. he makes me feel like he doesnt care… plus when he borrowed my credit card he used it to go out to eat and didnt even mention it to me.
    how do i tell him…..
    What i meant is that i dont care about the money . I care that he doesnt care what i
    think about him…..i mean getting money without telling me……. and not even caring to pay me back, or aleast tell me something.
    the money is not important to me, cause if it was i would tell him straight out

  • Rubin says:

    I’m getting married in June and of course, my mom doesn’t get along with my dad’s family…there have been issues over the years…my mom is remarried and my dad has passed away…she flips out on me last night telling me to not invite my cousins to the wedding (her and her husband) the thing is, her two kids are in the wedding party…how the hell do I do that?

    I’m so torn…then I get the infamous threat if they are there, then I’m not giving you a dime towards the wedding, blah, blah….I’m a wreck, I don’t know what to do. I’ve chose to not invite my aunt and uncle for other reasons (had a bad personal experience) and she hates them more…for all I know, once my cousins find out that my aunt and uncle aren’t invited, then maybe they will voluntarily bow out….

    I don’t understand why my mother has to be so damn stubborn and can’t face her fears and just deal with them being in the seme very large room at the same time. How do I reason with her? She said they are allowed to go to church though…my cousins would probably be pulled out of the wedding too…ugh I hate my life…

    Has anybody had a bad situation like this before? Any outlook would be appreciated! Thanks
    Yes, elope would be the PERFECT solution to this….if we didn’t put 1000 on the place already and get my wedding dress, etc that would be what I would do…I feel like callin the whole thing off and doing it that way…

    No, she doesn’t like the fact that I’m inviting the cousins…her guest list is fine…I don’t care who she invites.

  • Jordan says:

    My brother wants to start driving motorcycles, and he’s looking for a good first bike. I used to have a Ninja 250, but I sold it. We were thinking of buying another Ninja 250, or maybe a Ninja 500. Another possibility is the Suzuki SV650 or the Kawi Er-6n, if we can get a good deal.

    The problem at hand is that he point blank refuses to believe me when I say he shouldn’t start out on expensive, powerful, high displacement bikes (we’re talking 900cc+, and not cruisers). He’s afraid he’ll outgrow the bike in a few weeks. Most of the articles I’ve read, and everyone I’ve spoken to says that the bikes I mentioned above are the ones you should start out on. Apparently he knows two guys at work who tell him otherwise.

    I give him reason after reason, but he tells me that I’m just being over-cautious. I send him article after article, and he disregards them. He took the MSF course, and apparently the instructors mentioned nothing about good first bikes (they did when I took it).

    I personally didn’t find my Ninja 250 to be so unbearable, and I didn’t tire of it after a few weeks…

    What can I do to convince him? Can you guys give some input about this very common issue? What bike do you think he should buy? Am I giving him bad advice?
    He’s about average height, a little overweight

  • Phil says:

    Can you get a debit card or credit card at age 16 ? If so which is the good option Credit or debit card ?

  • Agatha says:

    I’m doing a broker deal for a large amount of money. The company that is purchasing says they have to pay with a credit card and the only way we can think of is through paypal. We’ve built a relationship so they aren’t using paypal as a crutch. They would be fine with a wire but they have to use a credit card so they can’t.

    The company that I’m purchasing from is also using paypal. I was thinking of just giving the supplier the purchasers paypal email and paying me seperately. We could save about $1000 in paypal fees but then they would have the supplier’s info and would no longer need me:(

    Is there an alternate way the purchaser can pay me with their credit card so I would avoid the 3%?
    Like using escrow or some other payment option? Thanks!

  • Rubin says:

    My roommate has a dilemma on their hands. They purchased an Xbox 360 on craigslist for $100. Two days later, it got the E74 error. So he looked it up online and saw that Microsoft had the 3 year extended warranty on it, so he sent it in. No big deal.

    Turns out that there were two different serial numbers on the console. The outside sticker and the one under the faceplate were different. He registered the Xbox using the outside sticker.

    He bought a 360 just yesterday and swapped the outside serial number with the new serial number, keeping the sticker of the serial number he registered with. He then returned the console and got his money back.

    Just wondering what the chances are of him getting caught.
    He paid cash.
    He paid cash.

  • Rosa says:

    Does cancelling a credit card or a store card affect my Credit History. If so, how?
    Well, I have been having all my card for the past 6 years and I always pay off the full amount when due every month and no defaults :-)

  • Lloyd says:

    I am a college student, and I already have about 40k in student loan debt. I am in a situation where I really need to move (its stressful where I live and I need a new environment). There is no one that I can live with, and I only work part time (its hard to go to school full time, work full time, and keep grades up). Is it a dumb idea to take out 15K in private student loans to get an apartment and pay the rent for a year and utilities? Also, I don’t have any credit card debt or anything, and I have someone who is willing to put his name on the loan application as well. What are your opinions???

  • Leida says:

    I found out a couple years ago that my mom used my social security number to open more than 13 accounts and get credit cards in my name. She has racked up a lot of debt and my credit score is messed up. I am only 21 years old and feel I am way too young to have bad credit. She started doing this to me when I was 16 but I didn’t notice until I was 18 and tried to open a bank account. I really can’t stand my mom anymore. I think she has some serious mental issues and is either very depressed or bipolar. Part of me wants her to go to jail to pay for what she did. I really want this cleared up but I know I have to file a police report. I really don’t know what to do because she has had trouble with the law before and currently has a warrant. She doesn’t know that I know she has a warrant but I looked her name up in the system. So if I file a report I know they will arrest her. She needs some serious mental help and I don’t know if she will get the help she needs in jail. But I know I can not sit here and do nothing because it will probably just keep happening. I refuse to pay for her debts and let her get away with what she did. But I don’t know if I can turn her in. What should I do?

    I also know that if I don’t turn her in now it is only a matter of time before she gets arrested because she has a warrant. Her warrant was issued more than a year ago but I just found out she had one. I talked to my dad and he said he keeps getting pulled over by the cops because they think he is her. (They are separated and don’t live together…but still technically married). He has really not been any help to me. I think he doesn’t want to see her go to jail but I think it is her only option. What should I do?

  • Susy says:

    Okay so my two year old toshiba officially died this past weekend and i am in need of a new laptop. Because I am switching colleges in the fall i am required to obtain a mac laptop. So the dilemma comes that i am short on money but need a computer for june, because i am going to japan for a month. By the time i leave for japan I will have about 1500 dollars (after i take out the spending money). The computer that i am getting is 2000 dollars without tax, do you think it would be a good idea to use the juniper card to buy the laptop? I know that when i get back i will be working and could have the money by october or september….I know that they are having a offer with 365 days same as cash deal that ends today….

  • Grant says:

    Here is my dilemma: I was 18 when I got in a car accident, I was still undocumented, and did I mention irresponsible? I went to the hospital for a few tests and though I was fine the bill didn’t look so fine (it was about 3,000). I ignored it considering they didn’t even spell my name right on the bill. I figure they will probably never be able to charge me. Eventually they figured out my name and I payed a smaller 300 dollars but to a collection agency. Anyway, I now have US residency, a good job guaranteed for 6 years that pays 30,000 a year working for the YMCA, and I have about 6 thousand dollars saved. My credit is horrible and I didn’t even qualify for a gap card or the “easiest-to-qualify-for” card at best buy, according to the sales man even people that have gone through bankruptcy qualify. Would I have a shot at getting a cheap house (around 6,000) I’m still single and honestly I don’t crave anything fancy as long as the location is good and the house is in good shape.

    Thank you for your knowledge!
    CORRECTION (60,000) not (6,000) and actually the house I’m currently looking at is 80,000..

    So what will my interest rate be like do you think?

    I live on the GA coast.
    I’m 24 years old.
    my accident happened 6 years ago, I’ve heard something about how after 7 years you regain credit somehow? Is that correct?
    FINAL QUESTION: How long do you think it would take to clear up this credit problem? I don’t owe anything now, you mean can I go and ask to pay whatever it is I once owed even though I’ve not been told I owe anything after I made my smaller payment?

  • Cruz says:

    I recently put the below up for answers, and received good advice, however, unfortunately I obviously made it appear as if I have paid off my house, and I haven’t. So my question now is, could I lose my house by filing since I haven’t paid it off? See the recent question to get the full affect of this. Thank you.

    I recently relocated and divorced and ran up credit card bills to get settled. Doing this alone has caused some financial problems and since I have utilities and cards and food, etc., to contend with alone, I’m now in a fix. I have no children. I’m 55 and own my home. My car is paid off. I just need to file bankruptcy to get rid of the credit cards and concentrate on paying the necessary bills, mortgage and utilities. Would I lose my house by filing? Am I eligible to file? I’m also on a fixed income. I also need to have expensive dental work done. This will add onto my dilemma. Although I have insurance, it only covers up to a certain amount per year. My dental bill will cause me to pay the remainder out of pocket. To me, bankruptcy is the only way to go, at this time.

  • Arlyne says:

    My request for a new credit card was rejected. When I asked for an explanation a certain telemarketing person said that I was a credit card tart and that is why my request was rejected. What does a credit card tart mean?

  • Annabell says:

    i have horrible credit but i need a credit card. is there any way i can get one or no?

  • Patrick says:

    So I’ve been working at Target as a cashier for almost 5 months now. I’m working part time, and I’m a full time student at college. I have never liked working here since the first week I started, but I decided to stick it out to see if I would end up liking it. That never happened. The management is pretty crappy, but I like most of my co-workers. Being a cashier, I’m required to make people sign up for their Target debit or credit card…since the breach, I have been so afraid to ask people, I have tried to get people to sign up, but no luck. I just don’t want to make customers mad by asking them… But the thing is, I’m graded every shift I have if I get a red card or not…Every week there’s a sheet with my conversion rate on it and if I don’t have a 3% conversion, I get in trouble for it.

    I really need the money, so that’s why I have stuck around. But dealing with annoying customers and stupid management is really making me crazy. I just have stopped asking people to sign up because I’m so fed up with all the nonsense.I know I’m not being a good employee by not asking people to sign up for the card, but I don’t want to get customers mad at me..(I’m very sensitive by the way).

    The leaders who run the front are pretty understanding about how it’s been really hard lately to get people to sign up since the breach, no one really trusts our store…

    So I’m just really in a slump..I am very grateful I have a job and all, but the stress of being graded on red cards and dealing with rude customers is really getting to me. Literally every shift I dread going to. Cashiers are just treated like crap there…

    I could ask to be trained in a new department, but they’re super lazy on training and said that I’ll barely get any shifts in my new department…so I’ve kinda lost hope in asking to be trained…

    So what should I do? Should I just try to ask customers and risk getting yelled at, or not ask and see if the managers catch on that I’m not asking…
    OR, should I quit?
    also, how do deal with rude customers, as I mentioned Im so sensitive.

    Thanks!

  • Shan says:

    Ok…I bought a phone a few months ago off eBay, it broke, I contacted the company and they said if I returned it they’d refund my money. I sent it back and the delivery tracker on Royal Mail website said it had been delivered, but they denied ever getting it. After obtaining proof of delivery I started a Paypal claim, and it was all going well until the phone was delivered back to me by Royal Mail with the reason for non-delivery being that the item was “not called for”.

    I told Paypal and the seller this. Paypal responded saying they needed another month to “review” my case. Meanwhile the seller said return it again and I’ll give you your refund. Because I am stupid and naive, and didn’t want to wait around for another month out of pocket whilst Paypal made their decision I returned it to the seller again. The delivery tracker says it was delivered (again), but now the seller is not responding to my emails.

    What do I do?? Do I contact Paypal and tell them I acted without their say so and risk them judging in favour of the seller just as a convenient way of ending the dispute for them? Or do I cancel the claim with Paypal and try and get the money back through my credit card company? I’m not sure if the latter means the seller would then be able to make a claim against me through Paypal….oh I’m so stuck…Any advice would be appreciated…

  • Joshua says:

    What can you do with a credit card?

  • Marhta says:

    I’m 21, I’d like to build credit. I’ve never have a credit card before. I plan on just using the credit card for maybe gas and that’s about it. Which card should I go for? Also I’ve seen that for many you get the first year 0% APR. Is this good? Will it grow credit? Or do I need interest to grow credit? I don’t want a card just for the sake of having a credit card. I want it solely for the purpose of having good credit. Thanks.

  • Jennefer says:

    Long story short, my photographer has now canceled on me TWICE for my engagement sitting. My wedding is 4 months away. I just don’t feel he is professional and I cannot stand him. I don’t want him at my wedding and I don’t want to deal with him. Of course, I signed a contract stating that I “agree to accept no refund for the products or services..” blah blah blah. Who would think they would have problems like this with their photographer. I need to call him today and want to be professional about it and kindly tell him I no longer want to work with him, please give me my money back or else I will take you to small claims court. But then again, I’m afraid that won’t work and I’ll have to have this horrible photographer at my wedding that takes BAD pictures cause he doesn’t like me and I don’t like him… I could really use some advice on this one. I’m at a loss for words…. :( PLEASE HELP.
    I should also add that I am do work in a law firm so I have had a couple different attorneys look at the contract – They said it “doesn’t give me much room to wiggle” but there is a chance I could get my money back in small claims court. I also have been penciled in with another photgrapher in case I CAN get my money back. This really is not fun!!!
    For those of you who asked, I have paid more than just a deposit. I’ve been paying $100 a month since February of 07, on top of a $200 deposit.

    I called the photgrapher too – it didn’t go well. He says that I owe him the reaming monies, and if I decide to go elsewhere he will not give me my money back and he’ll come after me for what’s left of the balance. The contract does not say anything about this – just says I agree to accept no refunds… but I’m starting to wonder… why should I have to pay someone off before I get the services? Usually you pay a deposit, and then pay the week before the wedding, or the day of. I now have to decide… Suck it up – or take him to Court?!?! What do you think?!?!!?

  • Melanie says:

    do you think society is good to you individual yes or no? why do you like society? why do you not like society?

  • Corinna says:

    I have a very large rash, which is scabies caught from a dog, on my hand. I can’t afford to go to a doctor, and the free clinics in my area told me I had to go see a regular doctor because they didn’t deal with skin conditions. Where would I be able to buy a cream or a soap to treat it? I can’t get it online because I don’t have a credit card or anyone who would let me use theirs.
    I’m pretty sure it is. Every vet that I have asked has told me that it IS spreadable to humans, and after a month, I doubt I would still have the nasty rash and itching. Plus, I never had the rash until shortly after having contact with the infected dog. The question was not “Do I have scabies?”

  • Dusty says:

    ok, so i am faced with a slight dilemma for the next month and a half:

    i am given £60 a month pocket money which i hear is quite allot, although i do have to buy my own cloths, lunches out, train tickets, cinema tickets, ect.

    the problem is that i have just got my dad to buy me a phone and xbox hard drive from ebay costing allot of money. i have given him quite a bit already but i still ow him £67 that i said i will be getting in 2 weeks (which is true). i’m getting £60 in 2 weeks and i already have about £8 in my wallet, that’s just enough to pay him by the time i said.

    that all seems fine, but the real problem is that i have a girl friend that i love very much living a train ride away from me. i have not seen her in 3 weeks and i feel like shes drifting away from me so i have to go see her at the weekend. its my best friends birthday that weekend and he wants to go to the cinema, which i would love to but probably wont be able to. the final problem is my hair; i naturally have blonde hair that i dye black every 6 weeks or so, i haven’t dyed it for about 7 or 8 weeks now and the blonde roots are starting to be quite obvious. ever had black hair and blonde routes? it makes you look half bold and strangely ginger.

    so; this is my dilemma:

    which do i choose:

    keeping my girlfriend (i don’t get very many and i really love her)/ doing something with my best friend for his birthday/ not looking like half bold ginger.

    OR

    keeping my parents trust and being able to continue to ow them money when necessary.

    also i need tips on how to stop myself from spending compulsively, might stop situations like this from happening at all.

    if you read all of that without dieing of boredom; thank you.

    please advise =]

  • Lucinda says:

    My friend is a minor like me, we’re only 15, but he has a credit card that he uses to buy stuff online, so he doesn’t have to use his mom’s credit card. I was wondering where to get something like that, like a credit card that you fill up with money and you can use it anytime.

  • Barney says:

    The Republican party is responsible for the dilemma that we find ourselves in including Fanny Mae and Freddies bailout. They created the circumstances for the bailout to become necessary that is requiring us to have to step in. The created the regulatory atmosphere for Airlines to teeter on Bankruptcy, jobs to go overseas and Credit card companies to get theres no matter what. They created the War in IRAQ so that they could enrich themselves with no bid contracts. All the while compiling a astronomical debt… The Republican mantra is I got mine go get yours. It is one of Greed and Power and both McCain and Palin believe in it… If you are thinking that they are going to save us… realize that they created this mess… One more time will put you so far in the hole none of us will ever get back. You fell for it in 2000 and you were wrong…. You fell for it in 2004 and now your falling for it again. There is a reason that the Republicans moved to change the bankruptcy laws. It wasn’t to protect you It was to protect them. They know whats coming… Wake up America!!!!

  • Jacki says:

    what is chip credit card? Should I take HDFC BANK titanium edge credit card?

  • Hobert says:

    anyone know of a credit card when you have bad credit?

  • Dustin says:

    I’m about to be a college student and I’m looking to start establishing good credit for myself. I have never opened a credit card before and i want to get the best one possible for a student. Does anyone have any ideas which card works great with students? Do you have any advice on them? What criteria should I stick with when it comes to choosing the right card? Do you know what credit card company not to deal with? What do you think?

  • Jeremiah says:

    i had a thought of credit, but im unsure if a debit card is a credit card. i used my debit card ( when i had a job ) to withdraw money from my account. i had left $18.34 i wanted to take out $10.00 dollars for a purchas without taking my card with me. but when it asked how much withdraw it only went up to $20 dollar withdraw. so i withdrew 20 and owed my bank 2 dollars. that ended up going up within a few months. my question is does that count as credit? if so i didnt know and i do have a bad credit score…lol thanks and no rude comments please, it was my first time having plastic and didnt have a clue how to use it. i got it cause a friend told me it better to lose plastic than to lose all ur money ( bills ) if i got jumped..

  • Leroy says:

    Is ATM card and credit card same thing. or debit card and ATM card same?
    what is the main difference between ATM card, Credit card & Debit card?

  • Melania says:

    I want to apply for a credit card but I don’t know about credit card companies which provides best credit card.

  • Carroll says:

    what is the best credit card is the best to start out with

  • Reid says:

    My credit score is 550…I had 2 collections accounts and they are closed. I need to get a credit card but no one will approve me. Can anyone tell me a credit card I can get approved for and it will help me rebuild my credit?Thank you

  • Berry says:

    High school kid without a job, no bank info
    Need credit card to get a free xbox 360
    what do I do?

  • Cory says:

    What are some shooping stores to apply for a credit card???

  • Adam says:

    What creditor can I get a credit card through…even department store just to use as a rebuilder? Score is about 500

  • Karyl says:

    entering college as a freshman, i have no credit history. so when should i get a credit card?

  • Prince says:

    I may get a credit card for young adults.

  • Carlos says:

    Hi there,

    Quick question…For building credit, is there a difference between student credit cards and regular credit cards? Because I’m gonna apply for a new credit card, and I wanted to see if I should choose the college credit card or a regular one….or if it even matter in terms of building credit. Thanks.

  • Maribel says:

    Friends, pls detailed ingorm me about debit card, credit card and visa card….

  • Claire says:

    So I have no credit. I go to apply for a credit card so i can build my credit..but i cant get approved since i have none..anyone know of any credit cards that i could get to help build my credit??

  • Izola says:

    So here’s my dilemma. I’m 18 and Ive been saving for about 4 months to buy a sled. And I found an awesome deal but it’s about 1500 more than I can afford. And I can’t get a cosigner since no one in my family would approve of taking out more money when I’m still paying off my truck lol so is there any way I can get that money without being 19?

  • Terry says:

    In regaurds to credit card fraud. Are all credit cards protected against fraud? So it doesn’t matter what credit card you have, you can always disbute a bill or a charge to the account?

  • Norbert says:

    I am looking for a travel rewards credit card. Where can I go?

  • Rima says:

    I have had a job for two years and now i want to build my credit. i have been told to apply for a credit card but which one to apply for is hard. i dont know anything about credit cards other than you charge now and pay later. what is a good first credit card? i take i have no credit history and im 20 going on 21.

  • Rodger says:

    I want to know if anyone has personally applied for a credit card having no credit history at all. i have applied for bank of americas student card and got denied also i applied for discover card and got denied even though it say no credit history required??

  • Bryon says:

    I have been having problems paying my credit card – the credit card company offered me a lower settlement to clear the entire amount. Does doing this hurt my credit rating and score?

  • Lorna says:

    i want a unsecured credit card that i will get approved no matter what and not have to pay anything to get it activated and to use it, for instance imagine card makes you use a banking account and pay the 5 bux before you can use it. is there any credit cards that you get approved no matter what and not have to pay a proccessing fee?

  • Porfirio says:

    I wanted to apply for a credit card that is unlimited and just a good one.my friend got a credit card thats unlimited and i wanted to know where i can get one at?i need it for college.thanks!

  • Dorene says:

    I have two credit cards that have very high balances on them and I was wondering if there is a credit card out there that is just for credit transfers. I would like to transfer both my credit card balances on to one card so then I would have just one payment a month.

  • Yolando says:

    I am looking for a good student credit card to see my through college. Where can I go?

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