I have two credit cards, luckly only totalling about $1,500. Im a college student and used them for books. They are under collection and i still have the oppertunity to pay them off, which i am planning on doing anyway. BUT they are still going to be on my credit for the 7 years right? And If i pay them off, will it improve my credit rating atall, will they show up as paid off on my credit report? Or will paying them off do anything atall since they are so overdue.
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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!
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I have been using rewards cards and paying off the balance for years. I have read that applying for new credit card wont affect your record if you only get one, and don’t open too many in a short period of time. Not sure what short period of time is . There are 3 rewards cards I have been meaning to get because of bonus/rewards, but not sure how I should space them out.
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I have 4 credit cards with approx. $25,000.00 worth of debt on them. I would like to get ahold of a non-profit debt counseling service in order to get rid of the high interest rates and pay them off alot sooner instead of only paying the interest and the over the limit fees. I have not used these cards for the past 5-6 years and the accounts are closed except for me making payments on them. I am not even touching the actual principal that I owe, although, I have probably paid enough on these cards to have actually paid off the actual principal. How is the best way to do this and what are some reputalbe non-profit agencies that will help achieve this? I have also heard that some credit cards will take a settlement on some accounts. Is this a good idea and how much of the amount owed do they usually want? I realize that this may hurt my credit rating but to be honest with you it isn’t worth squat now, so what is the difference? Does the debt consolidation hurt your credit as well?
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Fraudsters rack up millions of dollars in merchandise using fake credit cards with legit numbers hacked off the Internet. Detective Bob Watts of Newport Beach PD shows how it’s done. … “credit card fraud” wired
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I want to process credit cards on my own online. How do i do this without going through a middle man like paypal, 2checkout, etc?
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How to predict credit limit change on credit cards?
I have two credit cards . I never missed payments. Usually I would pay off the balance in full. I am wondering how popular credit card companies increase credit limit. DO they double the limit? I am in Australia
I heard limit practically doubles every 6 months. Is that so?
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your credit score comes down to two credit scoring factors: 1.) The “High Credit Limit” and 2.) Your “Debt to Credit” Ratio Your high credit limit is simply the total amount of primary unsecured revolving credit lines you have (ie three credit cards at $5000 each equals a high credit limit of $15000). Get it? Good. Your debt to credit ratio is simply the amount owed on these cards in relation to your high credit limit (ie if your high credit limit was $15000 and you owed $7500 your debt …
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