Credit card Q&A

A bill collector is taking me to court for a credit card bill specifically at lowest 7 years hoary. Do I enjoy to be in motion?
They have file a complaint with my local magistrate, and they are asking for over $4000 which is the amount that have accumulated over the years contained by late fees and interest. I don't grain I should be liable for that much money, since it was a student credit card that have a limit of $500.

A cast-offs debt collector is trying to procure money from me. He cannot impart any information more or less the vindication?
A old credit card be picked up by a junk credit card collector. He cannot supply any information towards the side. They went ou to procure a Lawyer to try to collect. What can the Lawyer do without any information. The Junk debt collector holdsany information. What type of information should the Lawyer supply to me to net a case of this. The debt be written off or closed on credit report by both the creditcard and the Junk Debt collector. What can the Lawyer do when luggage is presented to Judge

A character who is an authorized user of another person's credit card will receive credit chalk up?
Hi, i'm trying to figure out if you still receive credit toward your credit win if you are an authorizer user when you manage to retribution the bill on time? or you enjoy to be a co-applicant in decree to receive this benefit?

A chase credit card I received from http://www.lowest-apr-cards.com/ help me to build my credit evaluation?
A chase credit card I received from http://www.lowest-apr-cards.com/... helped me to build my credit gain and very glib to manage it. Now I want to go and get another credit card from this site. Is there a point contained by having two cards, or should I lately stick with one.

A colection agency say I hold to take-home pay full symmetry or settlement amount or be sued. can they do this?
I received a paper that say I can make payments on my credit card bill. It said I merely have to hail as to set them up. The collector they have me discuss to says, I can't build payments. I either enjoy to pay the full harmonize or the settlement. I can't afford to do either with the sole purpose payments. He says I will be sued if I don't rate in full or earnings the settlement amoubt. It's an old bill. The match is just over $700. What should I do? I won't stir to jail will I? Please serve? I don't know what to do.

A collection agency is taking me to court for elapse due credit card payments, what's going to come to pass surrounded by court
i am being taken to court by a collection agency for endorse due credit card payments. the amount is 1,300.00. what is going to happen surrounded by court.

A collection agency put a hold and removed the stability of my friends checking rationalization - How does he proceed?
He co-signed for his ex girlfriends credit card 5 years ago. They just put a hold on his checking portrayal and removed the balance. It appears they presently have a judgement against him. They said they will very soon garnish his paycheck. I explained that he is responsible if he co-signed accordingly he is willing to operation with it. My proposal was to settle (principle minus nouns and fees) since the collection agency probably paid a percent for the account) and set -up a pay plan. Will they settle for a lower amount if they now own the advantage? Would this indicate that they have a judgement against his ex-girlfriend? What is the proper procedure (if he take responsibilty) to correct this and get backbone access to his account and remove the judgement like lightning? Any lawyers next to experience out there? Thanks.

A collection agency sent me a make out for a 14 year old-fashioned debt, is that permitted?
I recieved a collection communiqué on a 14 year old-fashioned credit card debt. The company claims to enjoy purchased it contained by "06 but to be exact adjectives the proof they give me. Can they still try and collect on this unforgotten debt after this long? what is the sol within ohio

A company asked me to pay packet $100 for a setting check?
I got job interview near a company called World Financial Group and during the interview I was asked to charge on my credit card $100 to remuneration for a background check on myself. I was wondering is that standard practice? Will they verbs charging me?

a company charged me for a service I didn't ask for!?
I recently did business near an online company and ordered a single item, now I am getting a cyclic charge on my credit card from that company- they claim it is taken care of but the charge keep getting on my statements! Is there some process to get my visa issuer to disregard fee?

a company run a credit check against my will?
Hi, I am wanting to know how to prosecute a business for putting a "ding" on my credit report by checking my credit for a credit card I didn't want, and they did not have my authorization surrounded by any way.

A Company that I do business near used my credit card for sport!?
A company that I make infrequent purchases from have my credit card info on file. This is the singular company where I use this credit card. I do not fetch this card nor do I use it for any other purposes. I recently logged on to the credit card's website to recompense my bill. I was shocked to find 4 recent transactions totaling over $500 that I could not identify. Coincidentally they be each made surrounded by Canada. The company that I do business with is located within Canada. I live in the United States. The transactions where on earth for $100 at a towing company, $115.00 in make-up/skincare products, $200 surrounded by herbal supplements/remedies, and $125.00 in cellular airtime. I reported my card lost or stolen on the double. I also went online to find the phone numbers of respectively company that was on my bill. To manufacture a long story short, I now hold the contact info of the guy that used my card. He works for the company that I do business with. How do I proceed to ensure he is fired from his duty and charges are filed?

A Couple of 'Credit' Questions?
Would canceling my phone contract, effect my credit?Would paying my insurance on time aid my credit?Would staying with like peas in a pod insurance company look good to other insurance companies surrounded by the future? SHows loyalty?I hear that capitol one doesn't report your credit limit, and this can be unsafe to someone's credit.- WHAT credit card companies DO report CREDIT Limits?How else can I help my credit?

A creature next to a credit card debt of $20,000. How long since it get charged past its sell-by date?
I have a $20,000 credit card debt. I get many phone call from creditors and I didn't answer them. I've got parcels from attorneys saying that I will own to pay them bad or I will have to run to court for the debt. I heard from associates that it has come up to them before, but they never really have to go to court. They disregarded the situation and the amount will charge off eventually. Is it true? If it charge past its sell-by date, how will it effect my credit report? I don't own a house or a car.

A credit card charges a day after day intermittent rate of .05318% what are the monthly and per annum rates?
help plz? =s

A credit card co is trying to collect from 2000. can they do that? hold colossal fees assesed more than bal.?


A credit card company can revoke your vindication if you don't use it?
I haven't used my Citibank card in over a year. I own used others Sparingly, but not my Citibank one because it consistantly had the untouchable APR. Last month i was calling my credit card companies to see if my rates could be lowered as I own been person more responsible financially ect. and 3 of them did in certainty lower them...significantly in certainty. I could not find my citi card to get the 1-800 number so I call. The person suggested that I report my card lost or stolen since i couldnt find it...and they be going to issue a new card next to a new vindication number. It had be over a week and i hadn't got it contained by the mail...so i call and they CLOSED my NEW account because I hadn't used it contained by over a year...and said the reason be that I was abuse Credit by having an article and not using it.Does anyone else think that that is to say BS?

A credit card company decide to study frequency beside which its cardholders charge for items.?
The data values collected within the study appear to be normally distributed beside a mean of 25 charged purchases and a standard deviation of 2 charged purchases. Out of the total number of cardholders, roughly speaking how many would you expect are charging 27 or more purchases surrounded by this study?. 94.8%, 47.8%, 68.3%. or 15.9%

A credit card company denied me, can I apply for another one? Best Credit card for college Student?
I was denied a Visa platinum credit w/Chase-Chase flexible rewards card. It be the 1st c.c I've applied for. Reasons for rejection are:- 2 many accounts w/ big bal.-recent deliquencies &/or past due bal.-2 few accounts on record 4 longMy financial background:21, 3rd yr university student. Free credit report shows 2 angelic records and 1 potentially discouraging. The 2 good 1) a nearest and dearest c.c. w/ high bal.13k),single my dad uses it. He pays for everything w/ it & pays a chunk of it(5-10kamonth). Im an authorized user since 1994.2) student loan(dfrred payment)The bad: pastdue Victorias Secret sum of $70(paid in full now). I've disputed this b/c I be living abroad when charged& never received a bill surrounded by email/mailMy questions are: 1)is it bleak 2 apply 4 other c.c. soon? will being denied from chase affect probability w/ other c.c.? 2) What are good student c.c.?I applied for the chase cc but I enjoy miles w/ United& need to use them by 6/08 & the chase card extended them. Thanks!

A credit card company have placed a lien on my checking information what can I do very soon to attain it removed?
I had previously been sued by a credit card company and I rewarded off the majority of the balance. I be unable to work for over 2 years after a serious injury and when I was out of use I was unable to salary. Now they are saying that I owe them 3 times the balance on my story and have placed a lien on my checking account for twice what they are dictum the balance is. In the state of IL is it legal to do this?? I enjoy just started back to work and offered to formulate a payment arrangement until I can do better. They will only adopt full payment is what they told me. Would it be better to file liquidation or to just go ahead and pay packet ?? If so who do I pay the bank or the creditor? I do enjoy other bills that will also need to be paid and I dont enjoy much money to work with.

A credit card cross-examine?
im 12 and my mom made an account beneath her name for me. and i usualy budge to like stores by myself. so i be woundering if i could use the credit card to buy things without her one their.

A credit card examine?
If I get a visa credit card how do I pay it past its sell-by date?? I've heard people voice they put money 'on' there credit card before they budge away? what does that do?Thanks!

A credit card for a 13 year older?
What do you suggest? I'm going to DC in April and I'm bringing a credit card (If I could find one). My parents said I should bring that and brass, because we need to settle for everything thats extra (Ex: souveniers, food, and tickets) so, do you have suggestions for kind of credit or debit cards for me?Thank you!

A credit card for someone below 18?
Can someone tell me a company and a site that could back me here, that could just confer me information on this.

A Credit Card that have be sent to collection is offering a settlement of 50% should e run it?
The total is $6000.00 vs. $3000.00 it is already in collection if we income the 50% will it be far worse than still trying to work out paying the total balance?

A Credit Card With Unlimited Authorized Users??
Does anyone know any credit card companies that offer unlimited authorized users for additiona credit cards?

A cross-examine almost if me and my parents share a credit card?
can my parents and i share a credit card? like like card but 2 accounts? if it can be will my parents find out about my imfomation (bill)? inflict they don't like me doing online shops and to be precise the only agency to let them but if they can find out the bill...please comfort.

A cross-examine around consolidating debts?
I have a sports car loan that's about $20,000 at 7.9% interest, and credit card debts at just about $5000 at 18.5% interest.Is it possible to go to the hill that I'm with and enjoy them consolidate my credit card debt under the vehicle loan debt for the same interest rate (or less)? Would a ridge do that, or do they not work that way?Also, if they would do that, is it worth it for me to be paying smaller quantity interest but with a larger amount?Thanks.

A cross-examine in the region of cohesive credit cards...?
I share a credit card with my husband. He's the primary card holder, and I'm the co-applicant. He's authorized me to have access next to the credit card company, who sent me my own card (under his account).What does this mean in jargon of my rights? Do I have a credit history under my own autograph? We are getting divorced, and he's threatened to take away my credit card. What rights to I have to preserve it? Also, if my card is taken away, what are my obligations to actually PAY BACK the credit?

A cross-question give or take a few my credit card?
if i programmed an online gift to post onto my article for tomorrow and requested this post date tonight, will my credit card harmonize drop tomorrow contained by accordance beside what i payed even though it doesn't show any presumption on my checking portrayal match from where on earth i payed it from??

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