Category: Credit

Free credit report for credit card application rejection? »

Chan asked: Hi, Recently one of my credit card application got rejected. The letter from the bank states that, i am eligible to get a free credit report within next 60 days. When i called the credit reporting agency (transunion) number given on the letter, it goes to an automated number and requires me to [...]

Has anyone tried the Orchard Bank Credit Card Application before? »

Jinxess asked: “* Remember, our pre-qualification is risk-free. If you do not like the credit card we offer you, click the No Thanks button and no other creditors will know that you inquired with us. Try it today!” That’s what they say. I’m a bit hesitant. Is it true that they won’t report to other [...]

Can the credit card companies charge your bank account or withdraw money from it somehow? »

crazyguy asked: Let say you own the credit card companies money; but you just don’t wanna pay for some personal reason, but you got money in your bank account. Can they somehow get the money from your bank. Like by court order?http://1mortgagecalculator.info

What do you do after you get denied a credit card? »

Karen M asked: I just applied for my very first credit card. I got denied . The reasons were: Credit report shows total available credit on accounts too low. Insufficient amount of credit information is reported on credit bureau report. What does all that mean? Also what do I do now? Getting a secured card [...]

Can a credit card debt that is unpaid not appear on all three credit reports? »

Marsha asked: I have had a collection agency call me about a credit card debt where the first delinquency date was supposed to be September of 2004. I don’t remember the debt and it doesn’t appear on any of my three credit reports as I have just requested and reviewed all three. Is it possible [...]

How do I negotiate with the credit card companies of the credit cards I have to lower the interest rate? »

JenSpry asked: I just read an article on yahoo finance that said that the credit card companies will negotiate your interest rates if you ask. I have no clue how to do this or what to say. Any help would be great! =)http://1mortgagecalculator.info

Will preauthorize payments with my credit card boost my credit rating? »

Like90 asked: I want to preauthorize monthly payments on my credit card for my student loan. Will this actually make my credit rating better? Do you think I should do it? I have the money to pay for the payments, I would just prefer the payments to be made on the same day every time. [...]

MONTHLY AMORTIZATION OF 1M LOAN WITH 7% INTEREST PER ANNUM FOR 15 YEARS TERM OF PAYMENT? »

Alma asked: pls. help me compute how much will i pay for the monthly amortization of a 1M loan w/ 7% interest per annum with a 15 years term of payment, if interest is computed based on diminishing balance…pls help me I already forgot the formula for the computation of interest based on diminishing balance [...]

I recently was stupid and got a credit card from Horizon credit card services and have been trying to cancel? »

Shari asked: Now every time i try to cancel the card it always says i do not have a valid email address i have a prepay phone and can not call them can you get me an email address please.http://1mortgagecalculator.info

Instant approval credit card application needs review? »

Mimi asked: I applied for a Citi Forward Student credit card this afternoon and the instant credit card application said that my application was received and needs further review. Is “further review” another way of saying denied. I have fair credit and have only one other credit card (Discover). What do you think my chances [...]

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