How Many Credit Cards Should I Carry?

Author: Angie-Guest
Posted: Fri May 09, 2003 7:28 pm

Is it better to carry a wide selection of cards (AMEX, Mastercard, Visa,Discover, gas cards,dept.cards, etc.) to be prepared for any situation, or only a couple? I have about ten cards, including AMEX, Mastercard, and Visa, but only use two on a regular basis. Should I only carry those two (Mastercard and American Express), or more?

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Credit Card Late Payment by Co-signer

Author: SuzieQ Joined: 27 Jun 2003Posts: 1
Posted: Fri Jun 27, 2003 12:22 pm

I am old - for past 30+ years I have never failed to pay bills and pay on time. 3 years ago I allowed my daughter to use 3 of my credit cards and cosigned a loan with her at a credit union. She made payments for 2 years, then the economy went sour and she got laid off, had problems paying. I stepped in and caught up 3 credit cards but by the time I realized they were late, it was too late and the late payments (30 days late) were reported to Credit bureau. I advised her to renegotiate the credit union debt as it was a large monthly payment, and she did. When she refinanced, I was not a cosignor. During this time the credit union never contacted me, even though I have a substantial savings/checking acct with them. I then got notice from 2 credit cards of mine that they are raising my interest rate from 6.9 to 30%. Got copy of credit reort and credit union has listed this debt as 120+ days overdue with balance of 0. My daughter called credit union and asked to pay off completely (my $) in exchange for taking this off my credit report - they refused. In view of the fact that I was never contacted by them do I have any leverage? I understand these late payments will stay on my credit report for 7 years. In view of the impact this will have on my life, why not just go bankrupt and not pay them at all - same impact for 7 years?? Suzie-Q

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0% Credit Card Rate for Life

Author: TENNPJ-Guest
Posted: Tue Jul 01, 2003 2:31 pm

Has anyone seen this article? http://money.cnn.com/2003/07/01/pf/banking/q_zeropercent/index.htm?cnn=yes I cannot find any of these "lifetime" offers. If anyone can point me in the right direction(s), it would be greatly appreciated. Thanks.

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online secured credit card

guestGuest
Posted: Sat Jun 28, 2003 5:43 pm

Banks who issue debit cards will not let you use it online to deposit funds to an online casino or sports betting. Does anybody know of a secured card that will let you do this?

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Reward Credit Card Comparison

Author: tou-Guest
Posted: Wed Jun 25, 2003 9:33 pm

I have offers for a reward credit card. One is for a miles one business card from capital one The other is a Platinum World points card from Mbna Can anybody recommend which card is better? And why?

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Credit Card Balance Transfer 0%

Author: BAIL
Posted: Thu Jun 26, 2003 2:59 pm

HI ALL. DOES ANYONE HAVE Any SUGGESTION. please, I HAVE A $4000 CAR LOAN PREPAID (NOTHING DUE UNTIL 2004) of 6% APR. i have received an offer for a balnce transefer of 4.2% APR to my BOA credit card. i have also a preapproval offer from Discover for a 0% APR balance transfer untill 2004, i am not sure if i am going to be approved for short of credit history. what do you think is more favorable in this situartion;? try to transfer the auto loan to BOA or apply for the discover? how easy is to get approved by discover compared to AMEX? does saving less than $100 worth the hassle of balnce transfer? sorry, i am new to credit. thanks in advance.

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Citibank Credit Card Approval after Bankruptcy of 10+yrs

Author: Susan- Guest
Posted: Tue Jun 24, 2003 10:12 am

I claimed Citibank on my bankruptcy over 11 years ago. They still have me on their computer. Will they deny me a card because I claimed them on bk? I want to apply for a card with them now.
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