Jenny asked:


I wrote stupid information for a College Student card (I wasn’t looking to apply for a student card). For College, I wrote NO, and number I wrote my home phone. I did wrote my mom’s social security (I’m applying for my mom).
Did I ruin my mom’s credit? Ugh, I’m in trouble.

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migueljuan asked:


I currently owe $45,000 in student loans and I am having a hard time paying them off. The loans are private (sallie mae) and I am not elligible for consolidating them via federal loans since I am not a US citizen. I was not able to get a visa so I had to leave the US. I live in Europe now.

I understand that declaring bankruptcy would not cancel out the student loans, but I have read that bankruptcy could cancel out credit card debt. I have a good credit score (790), so given some time, with an even higher credit score, I may be able to transfer my loans to a few credit cards.

What are the laws regarding credit card debt and bankruptcy? What difference does it make that I am not a US citizen and do not live in the US?

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bjuody asked:


I recently applied for a job at Macy’s, but something came up and I didn’t accept the job. I opened the mail today and saw a Macy’s credit card! I don’t know what to do, and I know if I called Macy’s Credit Services they are just going to convince me to keep it and be really annoying. I do want to cancel it, but I don’t want my CREDIT HISTORY to be messed up. I could just keep it and buy something once a month. Arg! What should I do?

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? asked:


i want to know that the fact that i filled it out ment that it was already appoved or that the account was opened? If i cancel it will it ruin my credit?

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Michael H asked:


If Amazon is offering a $30 credit for applying for their credit card, will I be able to apply, use the card (including their $30), then cancel the card with my credit score in-tact? I would have only made one or two purchases, and it goes without saying that I would be fully paid up on those purchases.

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insharc asked:


My credit rating is good, not bad. But I’ve heard that having too many cards can damage it. I know that calling is a bad way to cancell, plus they try to talk you out of it.

What is the BEST way to cancel, so the credit reporting agencies know that you canned the card, and not the reverse?

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victoriaelaine2004 asked:


I have an aspire credit card which I haven’t had any trouble out of but I want to get rid of it before its time for the annual fee of $150. What is the best way to get rid of it. Cancel it and then pay it off or pay it off and then cancel it? And if I cancel and then pay off will that hurt my credit?

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Hillard B asked:


It’s a credit card from First Premier Bank. I was looking at the fee’s and wasn’t satisfied. Minimum Initial Credit Limit $250, Program Fee -$95, Account Set Up Fee -$29, Annual Fee -$48, Monthly Servicing Fee -$7, Available Credit on First Statement $71, Optional Additional Card Fee -$20, Available Credit on First Statement with Additional Card Fee $51…

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