Credit Cards Google Group

negotiated settlement

2007-01-29T03:49:44Z

Owe $100,000 on credit cards. Can borrow $50,000 from private source
if I use money to get out of debt. Is it possible to negotiate a 50%
settlement with card companies and obtain their promise to show my
card paid in full and satisfactorily. What steps should I take. I
would want a letter of agreement from each card company first before I

Credit Card Offers in the Mail from Washington Mutual

2007-01-19T01:16:43Z

Has anyone been pre approved for this bank only to be turn down with no
explanation?
Is this actually legal?
Is the information that they have obtained on an individual or
individuals going to be secure? Or do they use it or sell it to others?
Is they any recourse in these matters? Class action suit etc?

bankruptcy and foreclosure

2006-11-16T08:38:13Z

I have a friend who will likely file for Chapter 7 bankruptcy. If
possible, would it be better for my friend to sell her house prior to
filing for bankruptcy? I am assuming that her credit will be hurt less
if she doesn't have a morgage default along with all of the credit card
default.
My friend's bankruptcy attorney, however, is trying to convince her

GM Card-BAD EXPERIENCE

2006-10-22T19:57:10Z

I just had a very bad experience with GM Mastercard. After almost 2
decades of being a customer which never had a late payment and always
paid if full each cycle, I maxed out the $500 per year rebate on my
original GM Card. I plan an $8000 purchase in about 2 months so I
applied for and received a second GM Card so I could earn about $400

What is a Good Gas Credit Card?

2006-08-16T20:47:26Z

What is a Good Gas Credit Card? Because Gas prices are so high right
now I need to find a card that offers cash back. I need to save as much
money as i can?
Any Help would be Appreciated!

Legitimate Credit card consolidation companies

2006-07-04T12:15:36Z

I'm looking for a little advice from on credit card consolidation. I
have about 12,000 in credit card debt and would like to consolidate to
a lower interest rate. The problem is that I've never done this before
and don't know what the norm is for consolidating my debt. I've tried
to stay clear of these companies because I've heard that there are a

New charges from Citibank Visa

2006-07-02T05:43:02Z

I just received a notice from Citibank MasterCard with a change in
their charges. One of the disturning items is that they are now going
to be adding a charge for goods purchased in other currencies.
I would like to find a Visa or MasterCard that does not have additional
charges for people who travel and buy things overseas and also has at

Unsolicited Bank of America credit card

2006-06-26T06:31:26Z

Has anyone received an unsolicited credit card from Bank of America?
I am trying to locate other individuals who, like me, have received
unsolicited credit cards from Bank of America; that is, people who have
actually had accounts opened in their name without their authorization.
I recently received a solicitation to apply for a credit card and,

interesting question?

2006-06-12T19:33:57Z

can anyone tell me what the difference is between 'Purchase interest'
and 'Cash interest'. Both appear monthly on my capital one statements,
usually coming to around £25 on average, together. I haven't purchased
or withdrawn cash on this card for many months now as I am trying to
settle the bill for good, so does this seem erroneous to anyone?

Help: Want to accept credit cards over phone w/ no monthly fee

2006-04-13T15:51:46Z

Please help...
I am looking to begin accepting credit cards (over the telephone).
However, I do NOT want to pay ANY monthly fee. I will rarely have a
need to accept credit cards, but would like it as a backup.
I anticipate payments of between $299 - $499.
If anybody knows of a company that will allow me to accept credit cards

The banker's conversation with God.

2006-04-11T22:46:00Z

Banker: What is a million years like to you?
God: Like one second.
Banker: What is a million dollars like to you?
God: Like one penny.
Banker: Can I have a penny?
God: Just a second ...
The Three C's. Creditors look for an ability to repay debt
and a willingness to do so--and sometimes for a little extra

Credit Cards Fees

2006-04-06T14:35:35Z

Hi
I don't know wether banks in different countries charge card owners for
the credit card every year, but in my country,banks do so, it's 10yuan
every year. I think it's not proper.What do you think about it?

VISA Debit

2006-04-03T23:42:12Z

Hi,
I live in australia and am 14 years old
I recently saw an advertisment (although i've heard of it before), of
VISA Debit.
ANZ (Bank in Australia), released a card called the ANZ Everyday VISA
Debit, now i have a debit card with CBA (another bank in Aus), and
thats fine, it works fine etc.
But to sign up for an ANZ Everyday VISA Debit, i need to be over 18.

Bankruptcy laws in Canada

2006-03-21T16:29:38Z

How tough are the bankruptcy laws in canada to deal with? I keep
hearing how they just changed in the States, and wondering how Canada's
compare to the new US rules.

Re: FICO for young, sick, and clueless

2006-03-16T14:47:46Z

I have posted this question in the forums and you should be receiving
replies soon:
[link]

Good Credit Card?

2006-02-28T01:56:29Z

I have been interested in getting a rewards card. My research has led
me to bankrate.com and the credit card comparison chart they supply. I
recommend that anyone looking for a card should check it out!

Charged to much on Visa Credit card

2006-02-18T11:05:19Z

I have recently joined a dating site match.com and agreed to pay for
the 6 month subscripsion costing approx $77 or £45. When I received my
credit card bill the amount was for $126.95 or £75.
I called match.com on the rip off 0845 number, and spoke to someone
called mindy from India with a false american accent. Just to make sure

New web site for person-to-person lending: prosper.com

2006-02-05T23:02:16Z

There was an article this morning in the NYT:
[link]
About a new site that does P2P lending:
[link]
Anyone tried it?
Andrew

Credit Cards - which one to choose

2006-01-15T21:03:18Z

Hi,
I am interested in getting a rewards credit card for myself and I am
just wondering which one shall I choose that will benefit me the most
in the long run.
I don't really care about interest rates as I am good with paying it in
full every month. I am looking for something that has no annual fee and

First credit card, got some newbie questions

2005-12-27T21:10:48Z

I'm a student and have been using a debit card for about 2 years. My
first credit card came in today and I have $700 in credit. What is the
best strategy to improve my credit score as fast as possible?
Obviously, I should never run into credit card debt. But should I pay
all my monthly balance at once at some specific time or should I pay

CREDIT CARD FRAUD..WATCH OUT! PAYPAL RIP YOU OFF , CHISEL YOUR MONEY FROM CREDIT CARD

2005-12-12T08:37:17Z

PAYPAL overcharged my credit card of USD1.95.for the "expanded use
program" and despite I demanded refund for 16 times, the whole issue is
still unsettled..PAYPAL IS.ROBBER!!!!!!!!!!!!!!!!!!!!! if not it is a
beggar....most likely ,a scammer.
PAYPAL charged my credit card of USD1.95 each on Nov 1, 2005 AND Nov

Be Credit Card Savvy

2005-11-20T13:12:09Z

Thinking of using that debit card for the holiday season. I wouldn't.
You are protectected in case of theft of your information or your card.
Also remember not to get caought up in spending a lot of money you
don't have. The sooner you pay off your purchases and keep your balance
very low or at zero you will keep your credit score high. If you can't

Be Credit Wise

2005-11-19T02:43:13Z

When shopping for a credit card look for the lowest possible interest.
Decide what you want to use the card for. Frivolous use of a credit
card can lead to serious problems in the future. Bad habits beget bad
habits. Don't even thank about asecond credit card if you are already
50% maxed out on the one you are already using. If you get a card for,

Credit Card Condoms

2005-11-09T09:43:44Z

While there are a number of issues that need to be addressed when
tackling credit card debt, the habit of using the credit card when you
really shouldn't is a huge contributing factor for most people.
The most difficult part of changing this habit is recognizing it in the
first place. The fact that it's a habit means that you probably use the

Trading one credit card for another?

2005-10-15T20:11:02Z

I've recently improved my credit and have both a Visa and a Mastercard
with decent limits. I'm getting pre-approved offers almost every day
(I've now opted out). I did get one yesterday that has 0% APR until
2007 and no annual fee. My BofA Visa is something like 17% (never
carry a balance anyway) and a $29 annual fee.

Consumer vs. Business Credit Cards

2005-08-31T18:34:37Z

After applying for a credit card, the company called me back and said I
might be eligible for one of their other credit cards geared toward
business professionals (greater benefits specific for travel,
restaurants, etc.), with the conspicuous warning that it was a business
card, not a consumer card. Can anyone tell me (or point me to a

Individual getting a business card

2005-08-17T05:20:03Z

I just got an offer for a business credit card. I don't own a business
and they should have no reason to think I do. The card gives you 3%
back on "business" expenses which includes restaurants and home
improvement stores.

It's tempting to sign up and see if I get one. On the offer form you
send back, the business name is "for business owners only, optional" so

I Just Got Screwed by Bank of America Credit Card

2005-08-10T07:21:23Z

Okay... I feel I just got screwed by my credit card company, Bank of
America, and I am a EXTREMELY pissed off right now and wanted to VENT
and see if you think I am justified in being so PISSED OFF and what you
would do if you were in my situation.
Please read... and then give me your honest opinion of the situation. I

Attorney Seeking People Who Have Been Called By Capital One

2005-06-04T22:04:49Z

Capital One is famous for calling you over and over and over if you are
late with a payment or miss a payment. I know because they call me all
the time whenever I am late with my car payment. They have called me as
many as 4 times in one hour and ten or more times in a day...
If Capital One has called you because you have been late with a credit

Credit card in Australia

2005-05-21T21:56:52Z

What is the best credit card for using in Australia

credit cards

2005-05-21T21:53:51Z

What credit card has the lowest APR

Does on credit card balance affect other credit's APR?

2005-04-19T15:37:42Z

Hello Group,
I will appreciate it if you guys could give me insight into my
question/problem. Yesterday, I had my bill from Master Card and its
APR is jumped from 14% to 29% !!!
When I called Customer Service I was told that since my balance on my
visa (another credit card) is high so that would be assumed as a

What are the best things to do in order to get the best credit?

2005-02-07T21:18:32Z

Many of us when we first get a credit card think like:
"I just got a new credit card and I would like to the best credit I
could possibly get. Probably by paying in full or paying a little bit
more than the minimun payment."
I have heard both are good, but for 2 different things: one, if you
always pay in full you get an excelent statement on your credit report

new credit file

2005-02-07T17:39:28Z

I'm trying to find the best way to start a credit file (for a family
member) If i apply for cards too many times the inquiries will hurt me.
But if i get a secured card that will be reflected on my credit as
secured (not good). I'm trying not to put a deposit on anything. Any
ideas?

Starting a Credit Card company

2004-12-16T04:33:47Z

What is the best way to go about it?
Buy a bank that already issues credit cards(mc/visa)?
Any ideas?