How A Consolidation Loan Can Help You
by Mike Carbeck Misusing credit cards is the main reason people run into uncontrollable spending and find themselves facing large payments combined ... cards, however this is where the similarities end. These loans will roll all of your credit card debt into one lump loan and will eliminate the individual interest rates that some credit card companie [more...]
Date: 2008-12-03 10:44:44
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Beware of Debt Reduction Advice
In a recessionary period like the one we are experiencing today there is a natural increase in personal financial turmoil ... associated with servicing such debt at very high interest rates, in particular credit card debt ... , the victim’s debt has actually grown. The credit card company has written off the debt resulting [more...]
Date: 2008-12-12 11:00:20
Weekly Round Up: Support Your Friends
zebra-friends Weekly Round Up: Support Your Friends Photo Credit: angela7dreams Another week has flown by and I’m happy it’s Saturday ... ! Investing for early retirement - Part 1 Credit Card Companies Adjusting Credit Limits Based On Where You Shop A Plan to Be Debt Free in 2009 I have a new 0% credit card Frugality and Binge Buying [more...]
Date: 2009-01-08 02:09:44
Got Credit Card debt? You may be in luck…
by Rolfe Winkler, CFA If you’re delinquent on your credit card balances, now may be a good time to pay down that debt ... are being offered deals that forgive 20 to 70 percent of credit card debt… Just as lenders competed ... desperate card companies: After helping to foster the explosive growth of consumer debt in recent [more...]
Date: 2009-01-03 01:44:51
Watch Out for Possible Credit Card Scams
I am constantly amazed by the creativity of thieves when it comes to ways to scamming people ... will be so much better. Currently in the United States, the credit card companies take the burden off customers for any fraudulent activities. What this simply means is that if someone steals my credit card [more...]
Date: 2008-10-30 15:25:07
Crafty Creditors Are Making Changes
This is a guest post from Tisha Tolar is a freelance writer providing content for CreditCardAssist ... . By today’s standards, a good customer can simply be late paying a debt other than the credit card ... and charges to accumulate, leaving you in even greater debt. Credit card companies rely on the fact [more...]
Date: 2009-01-14 13:10:23
Credit Card Settlement Can Trigger Tax
Credit card banks may offer settlement at a reduced amount if you get behind and fail to keep current on your payments. My colleague, Doug Jacobs, talks about Negotiating Your Credit Card Balance in an earlier series of articles on this website. However, if a bank or other finance company agrees to settle a debt [more...]
Date: 2008-09-07 00:48:44
Biodegradable Credit Cards - Disintegrate Spending With This Green Discover Card
(TrendHunter.com) A lot of credit card companies are jumping on the greenwagon by offering affinity cards that kick back a portion of their fees to green organizations. Now Discover has launched the first truly green card--one… [more...]
Date: 2009-01-02 19:59:53
Good Credit Report Score
Good Credit Report Score December 20th, 2008 Subscribe To Our Feed Bankruptcy is an option but the laws have changed and it is not always the ... what you are getting yourself into. Credit card debt consolidation companies must be of concern ... there are some ways of credit card debt relief. There are no instantaneous solutions [more...]
Date: 2008-12-20 06:19:18
What Happened to Your Credit?
During a recent interview, I was asked if the credit crisis has had any affect on our credit card arbitrage. I hadn’t even thought about it because so far, it hasn’t. Of course that could always change with one trip to the mailbox! I thought about many of the different angles that I have dealt with credit card companies in the last few months [more...]
Date: 2008-10-28 13:39:23
Why Internet Marketers Love The Global Recession!
Internet marketing experts are thriving today as never before; ... out the storm on credit. Credit card companies are lowering limits and/or raising the interest rates ... -to-Consumer business is just as bad, if not worse. Millions of jobs have evaporated in the past year alone [more...]
Date: 2008-12-31 05:02:24
Why You Should Avoid Credit Card Debt Management Services
by William Blake It has become increasingly easy to get yourself into a huge amount of debt quickly ... to negotiate with credit card companies on your own, you might have been able to eliminate your debt ... . As a result, people trying to eradicate debt they have incurred frequently turn to credit card [more...]
Date: 2008-08-22 08:09:00
Credit Card Debt Management Services: Reasons to Stay Away
by William Blake It has become increasingly easy to get yourself into a huge amount of debt quickly ... to negotiate with credit card companies on your own, you might have been able to eliminate your debt ... . As a result, people trying to eradicate debt they have incurred frequently turn to credit card [more...]
Date: 2008-08-22 07:23:04
A consumer complaint about Consumer Reports
This story just drips with irony! 2 ... be trusted. No fault of theirs, my credit card number got out to some bad guys in Malta or Africa, and the credit card company detected it, contacted me as I was checking into a hotel in NY (by declining [more...]
Date: 2009-01-12 13:57:29
Simple to Read, Hard to Execute: 10 Ways to Save Money in College
Written on 6/04/2008 by Soo L. of womopo.com - practical tips and advice for men ... to rack up a lot of credit card debt. So instead of making poor decisions with your credit card, save ... on naive and unsuspecting college students. Some examples of this are credit card companies, loan [more...]
Date: 2008-06-04 22:39:48
Finance Fiesta #7: Mamma Mia Edition
Welcome one and all to the 7th Edition of the Finance Fiesta! This is the first carnival I have ever hosted, so hope it’s a good one for you ... she knows best. I give these posts the thumbs up as the best of the week. Mr. Credit Card from Ask Mr Credit Card answers a question from a reader “A Collections Company Sold my Debt After it was paid [more...]
Date: 2008-07-17 13:00:20
Collection Agency calling from 571-431-1958 (Washington, VA)
Steve reported a Collection Agency (5714311958 from Washington area, VA) . The following comments were posted: AACC AACC AACC 5127689800 AACC 804-234-9056 assetacceptance.com Asset Acceptance is a leading purchaser and collector of charged-off consumer debt. Since 1962, we have provided credit originators such as credit card issuers, consumer finance companies, retail merchants, utilities and others an efficient alternative in recovering defaulted consumer debt. [more...]
Date: 2009-09-25 19:53:49
Credit card companies greedy plans have thrown them into the ringer
It is astounding how ugly the situation is getting in the American economy. It appears like every week there is a fresh scam or another huge financial institution or bank needing capital. This is making most consumers very frightened and has almost made every market seize up. Unfortunately I don’t feel we have yet to endure the worse of what may happen. There is another timebomb waiting to explode that has yet too really hit home and that is the unsecured debt crisis. Each month more Americans [more...]
Date: 2009-09-24 14:47:25
Citigroup (1998-2009) R.I.P.
Citigroup was born illegitimate and, having recently become a ward of the federal government, is now in the process of being dismembered ... . The company’s private banking operation was caught up in a money laundering investigation. Its credit card ... and credit cards. It was also a reach for supposed greatness by Weill and his Citicorp counterpart John [more...]
Date: 2009-01-15 05:44:49
Two Options For Debt Control Considered
There are so many people who simply want to know how they can escape from the heavy burden of debt they are saddled with ... all of them together into one payment. Sometimes a credit card company or debt consolidation agency ... . There are some disadvantages to debt consolidation plans. You will have to cancel all your credit cards, which [more...]
Date: 2008-07-25 10:57:50
Counseling for Debtors Becoming Widespread
Counseling for Debtors Becoming Widespread Posted By Michael Geoffrey on @ 5: ... , the cause being simple to determine. Credit card companies, with their slick advertising and easy acceptance of credit card applications, have made uncontrolled spending a widespread problem [more...]
Date: 2008-10-10 10:27:22
Why Bad Credit Report Repair and help you.
by Mary Bush Many people suffer with bad credit. Maybe you lost your job and suffered trouble finding a new one or maybe you came ill and couldn’t ... from local debt management companies also as online and from the IRS or anyone who supplies some type ... a home, purchasing a car, getting credit at varies stores or credit card companies and it can still [more...]
Date: 2009-01-07 21:27:10
2009 The Big Picture – Part 6
We are now entering a period of extreme risk aversion. Investors have pulled back and have a wait and see attitude. Spending by the consumer is tightening and credit card companies are slashing the amount of credit their customers were previously allowed. In the first half of 2009 the US economy will most likely [more...]
Date: 2009-01-14 15:00:53
Debt Consolidation
Having a credit card is good since mostly people use here in the States or other countries to purchase any items or pay off a bill in the restaurant, ... their site and apply unsecured debt consolidation loans now. ... from the credit card company, you should pay it right away or else there will be an interest [more...]
Date: 2008-10-14 04:04:56
Mid-Holiday Roundup
Here we are, halfway between Christmas and New Year’s. Our holidays started with a relaxing Christmas Eve followed by an enjoyable Christmas morning ... Reasons Why Credit Unions Kick Ass @ pfBlueprint List of 50 Largest Mutual Fund Companies @ GenXFinance ... Dollar Journey New FICO Credit Scoring System in 2009 @ Credit Addict Credit Cards Made a Little [more...]
Date: 2008-12-29 06:05:13
Do you know how to repair credit?
by Lee Beattie Credit repair companies must provide this in a written contract that also spells out just what services are to be performed, ... for a secured credit card on your own. Credit repair is kind of a supercilious term, to quote a representative ... . Credit repair clinics do this by challenging every item in a credit file — negative, positive [more...]
Date: 2008-10-06 09:05:21
Better Lucky Than Good
Last Saturday morning I realized shortly before heading down to the airport that I couldn’t find my wallet. I was running late, and could only do a brief search. As a precaution I locked out my credit card ... - the one place I hadn’t looked for it. Who puts a wallet down his sleeve? Quick calls the credit card company [more...]
Date: 2009-01-15 01:26:55
Green Panda Treehouse serves up a feast of a Carnival
A big thank-you to Green Panda Treehouse for the fantastic feast of a Carnival this week, from hors d’ouvres to the desserts ... an economic crisis. No Credit Needed describes how credit card companies calculate minimum monthly payments. Erase Debt shows how to get rid of debt with less stress. Finance Tips 101 reports on dealing [more...]
Date: 2008-12-02 09:36:21
How to Avoid Unfair Collection Practices
Due to the global financial crisis, the number of debt collection agencies in the market is increasing. They are established to offer services of collecting debts on behalf of banks, financial institutions, credit card companies and loan providers. For people who are drowned in debt, it is indeed stressful to receive irritating phone calls from debt collection agents constantly. Hence, it is important to know some useful information so that you are able to avoid the unfair collection practices. [more...]
Date: 2009-09-20 06:02:50
Is Your Credit Application Affected By Your Job?
The following is a guest post by Tisha Tolar. Special thanks to Tisha for filling in while I’m on vacation ... to a new credit card company to avoid increased interest rates or to consolidate card balances, make ... for and obtain. Now, the application process of a new credit card is much less guaranteed. For many [more...]
Date: 2008-12-01 14:29:30
Roosevelt Island Public Safety Reports For 12/31/08 - 1/13/09 - Mailbox Credit Card Theft, Robbery/Assault, Stuck in Subway Elevator & Egg Throwing
Image of stolen mail from AARPDuring the January 7 RIRA Common Council Meeting it was disclosed that there is a problem on Roosevelt Island with new ... observing our mail and to call the credit card company and have the fraud alert lifted on two separate ... and I. Through mere accident, my husband became aware that a new credit card had been stolen from [more...]
Date: 2009-01-13 18:57:00
Pinching pennies
Pinching pennies January 15th, 2009 1:14 pm by Gregory Phillips The National White Collar Crime Center says credit card charges of less than a dollar have been showing up on credit card bills nationwide from a fraudulent company called Adele Services, based in Melville, N.Y.. The company is apparently trying to get rich by stealing small [more...]
Date: 2009-01-15 18:14:19
Tough Negotiations With Credit Card Companies
One of our readers, Karen, recently left this comment: I opted to pull out my 401k early to pay off debt ... all that I owe in credit card debt and loans, I will be broke. I had to quit my job to pull out my 401k, so the credit card debt has gone up due to late fees and over limit fees. I want to negotiate [more...]
Date: 2009-01-02 21:20:35
Tough Negotiations With Credit Card Companies
One of our readers, Karen, recently left this comment: I opted to pull out my 401k early to pay off debt ... all that I owe in credit card debt and loans, I will be broke. I had to quit my job to pull out my 401k, so the credit card debt has gone up due to late fees and over limit fees. I want to negotiate [more...]
Date: 2009-01-02 14:39:44
How To Get Out Of Credit Card Debt With Dignity
I am at wits end about my debt situation. I had to take care of my ailing month nine months earlier and as a result I needed more money ... read about how debt consolidation businesses are not effective. I just don’t know where to turn. I attempted to call several of my credit card companies and was threatened to be sued. While [more...]
Date: 2008-10-19 13:20:00
Debt Consolidation
Debt Consolidation December 29th, 2008 It is quite alarming to know that families find it hard to get by from day to day on average combined ... from and they have more than their loaned amount to pay from interest alone. Most credit card companies charge a whopping 400% interest per year if you aren’t really able to completely pay your credit card [more...]
Date: 2008-12-29 02:07:05
Choosing Cashback Or Rewards Credit Cards
By Mary Bush The past decade has been the balance transfer offer, ... of the credit card companies who, victims of their own marketing success, found themselves losing ... who wished to gain the most benefit from their accounts. Luckily for these clued-up credit card [more...]
Date: 2009-01-03 14:06:37
Managing Your Credit Cards Responsibly
September 27, 2009 | By Tawana Rashing In Finance | by Tawana RashingCredit cards can easily go from being your best friend to your worst enemy. If your credit is any good at all, you probably get a ton of pre-approval notices from different companies. They?re offering you the world in a credit card ? no APR, huge credit limits, awesome purchase bonuses and more. [more...]
Date: 2009-09-27 17:25:27
FBI Cyber Network Conference warns about terrorists, spies and underground economy
(New York)—Sometimes the U.S. government uses resources wisely ... in the world can buy a blank credit card, complete with the holographic security markings used by legitimate credit card companies. They can buy equipment to encode someone’s stolen identity [more...]
Date: 2009-01-15 17:22:50
October 2008: Goals Update
Goal Specific-Pay off transferred credit card balance Measurable-approximately $11K Attainable-$800 a month Realistic-That’s about what I pay every month right now for debt servicing. Timely-By January 2010 Grade: Neutral $800+ went to the credit card company, but I have to admit it does no good to send in money if you keep charging [more...]
Date: 2008-11-05 18:10:55
Exploiting Ignorance: Money for Nothing
This post is the tentative conclusion to a series of posts, loosely about the sorts of pseudo-scams that credit card companies use to keep borrowers in debt ... that most credit card debt collection is an outright scam, is both the tip of the iceberg [more...]
Date: 2008-07-24 13:32:21
Debt Consoldiation: The Benefits of Consolidating Debt
Amazon.de Widgets Debt Consoldiation: The Benefits of Consolidating DebtBy: Daniel Millions - Debt is a big problem for millions of Americans and other citizens around the world. Debtors who are in exceptionally deep often die with bills unpaid, and the debt is passed on to their relatives. When credit first became available, it was nearly impossible for the average consumer to acquire a credit card. Nowadays, companies want people who have trouble paying their bills, because that means they wi [more...]
Date: 2009-06-28 20:02:50
Random Snippets
by hilzoy Just a couple of things I had to highlight ... in recent years, credit card companies are realizing that some hard-pressed Americans will not be able to pay their bills as the economy deteriorates." Really? All those credit card offers to people [more...]
Date: 2009-01-05 07:20:09
If your credit card…
…balances are high, and you are considering bankruptcy, you should negotiate your credit balance with the card company. Usually they will waive some interest and fees to have a lump sum payment. You can also hire a debt consolidation company to do this for you. [more...]
Date: 2009-01-11 01:41:19
BizWeek: Leading Arbitration Firm Favors Creditors Over Individuals
scales In its cover story this week, BusinessWeek offers up a lengthy critique of the National Arbitration Forum, one of the nation’s largest arbitration firms. The story focuses on credit-card collection ... that NAF enlisted law firms with ties to credit-card companies to help NAF win business from creditors ─ [more...]
Date: 2008-06-10 08:45:00
I’ve Become a Victim of the Credit Crunch
I already knew the credit card companies considered me a deadbeat, but I didn’t think I was that bad. Sheesh ... be at the moment. I think that’s bull ish. But I don’t carry a balance, so I can’t really get mad. 4. Navy Federal Credit Union Platinum Visa Limit: $20,000 Thoughts: Always nice to have a credit union [more...]
Date: 2009-01-08 11:12:43
Repairing Your Credit
We’ve all seen them. “Send me 99.95 and I’ll fix your credit and you can get a one million dollar credit card tomorrow ... your credit. It is not meant in any way to be legal advice. We will discuss several things in this article such as how credit works, paying or settling debts, credit repair companies, and establishing new [more...]
Date: 2009-01-12 01:08:35
November 2008 Goals Update
Goal Specific-Pay off transferred credit card balance Measurable-approximately $11K Attainable-$800 a month Realistic-That’s about what I pay every month right now for debt servicing. Timely-By January 2010 Grade: Neutral $800+ went to the credit card company, but netted out to ($622.09) because I have a recurring subscription charge [more...]
Date: 2008-12-03 19:04:57
Carnival of 20 Something Finances: Gummi Bears Edition
Welcome to the November 3, 2008 edition of the carnival of twenty something finances. For this edition, because I am in control (muhaha) ... he is much like banks, credit card companies, and other aspects of our consumer side financial insitutions ... :: presents Anatomy of a Bank Run posted at :: adventures in daily living ::. Mr Credit Card presents [more...]
Date: 2008-11-03 15:00:48
Debt Consolidation Needs
When I was a branch sales manager before for a well-known direct selling company, I was privileged to avail four credit cards ... but now I am really having a hard time. How I wish I could avail of a debt consolidation! Anyway ... , I was able to find reliable information that can give me great tips on how to deal credit card debts [more...]
Date: 2008-07-23 04:02:17
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