Using a 401k loan to pay of 44k of credit card debt? Due to my negligence and life’s up and downs (going from double to single income, temporary housing costs, increased home payments, emergency car repairs, being stupid early on), I have backed myself into an extremely tight corner with $44k credit card debt and $5k in useable savings to help pay it off. As of now, $23k of it is on a card that I’…

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I have 11k in credit card debt what should I do? I have 11k in credit card debt what should I do? Credit card 1: 6.9k, 29% APR interest Credit card 2: 1.5k, 27% APR interest Credit Card 3: 2k, 0% as of now Take home income after taxes: 2,800 Monthly Expenses: Car Insurance: $200 Dog food: $200 Gas for the month: $300 Phone Bill: $50 Food: $300 (have already cut this in half) Gym: $15 Adobe: …

What is the best way to pay off credit card debt? I have credit card debt (in good payment standing) and want to pay it all off, but also want to save money and improve my credit score, not hurt it as we are in the process of potentially getting a home loan. I have 6 credit cards and one personal loan. I’ve thought about consolidating debt and paying it all off at once. Is this a good idea? …

Should I Combine My Mortgage, HELOC and credit card debt into one refinance loan? I bought my house for $160k. I have $118k left on it at 4.8%. I stupidly took out a HELOC and used it previously, it’s balance now is $26k at 9.5% ( I know awful, and I am struggling paying it down due to the interest) I have about 7k in credit card debt. My credit score is 740-750. I was offered a 6.5% consolidation loan. I currently pay $1200 …

Bank is saying fraudulent credit card is mine. I notice credit card account that isn’t mine. Contact the bank and they close account after investigation 2 years later I realize the closed account is still there. Ask them to remove it from credit report. They tell me it’s been passed to collections, collections tells me it’s been passed it a law firm. Contact the law firm and explain its fr…

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Manically paid off all my credit card debt Now I’m broke. I was so eager to have an excellent credit score I would check compulsively multiple times a day. Well now I have achieved excellent credit and refinanced a loan from 18% to 11%. So good job there I guess. But Now I have a couple hundred bucks in my bank account and $5k in my growing emergency fund. I probably should have done it …

Credit card declines Has anyone noticed a significant increase in customer credit cards declining for fraud/security alerts? Our payment processor is telling us issuing banks are getting strict, which makes sense. We’ve gone from 10% new transactions declining and requiring customer to approve/contact bank to 35% past month. Anyone else seeing this? submitted by…

Is getting a personal loan to pay off credit card debt worth it? Pros and cons? Yes, I was fiscally irresponsible. I owe 25k in credit card debt due to unforeseen circumstances through my life. However, now I am making good money and have stopped using the cards. I own a house and own a car. (Which I pay off every month) The interest on the cards seems to be killing my financial situation. I know a big worry is once the deb…

What should I look for when getting a credit card I’m in the US and have used debit cards my whole life (42f). I just saw a post on here about the safety of cc vs dc here in the US and am thinking to make the switch. I’ve never had a credit card and would like the incentives they come with but am not sure what to look for. I plan to pay it off every month, but only spend around $1,000 or less o…

Is there any reason to update my income for my credit card company? This may be a silly question, but every time I log into my credit card they ask for an income update. It’s currently listed as 0, although I am employed. I’m in my 50s, don’t need any additional credit, and my credit score is excellent. I’ve had this card for a long time and don’t plan any changes. Is there any benefit for me here? I don’t want …

Is there a legitimate reason to not want a debit card? A friend of mine has never used a debit card, both at the advice of his dad and his own personal feelings. Because of this, he only uses cash for most transactions, and uses prepaid cards for online purchases. He has an ATM card to pull money out. He has a pretty decent income, and usually has cash on hand. For some reason, he just doesn’t want…

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knowing credit card limit before applying? balance transfer reasons. Applied for a card (Citi simplicity) in order to take advantage of 0% credit card balance transfer offers. I chose one with a very long timeframe…21 months. went through fine but once the application finished, the credit card limit was pitiful. $3000 limit. If i had known that, i wouldn’t have bothered. Is there a way to know what a limit will…

Will there be any negative consequences if I close my Chase Freedom Unlimited card? So I’m in the midst of a credit card fraud dispute with Chase and have pretty much have already escalated to to various groups such as the CFPB. Regardless of what the outcome is, I plan to clear out the balance fully right away to $0 (which pretty much means only paying the fraudalent charge since that’s currently the only thing on my account) …

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Credit Card Debt Advice Looking for advice on my current debt situation… It’s a bit of a strange situation, so bear with the long post. (Also burner account for obvious reasons LOL) I’m an international student in the US and I recently finished grad school and was in a very tight financial position for my last year of my degree. I racked up $8000 in CC debt over the …

Chase credit card offering me 0% APR promotion on balance transfer… The fine print seems misleading? I have a Chase Freedom Unlimited card — I opened it a couple years ago to receive 0% APR for the first year on a planned, big purchase. I paid off that balance in full before any interested accrued and I have not used the card ever since. Chase has sent me a few offers now for a 0% APR 14-month promotion on a balance transfer for that card, and…

How to set a preferred SIM card for calls, texts, and data on Samsung devices in the U.S. and Canada Background In the U.S. and Canada (and possibly other regions), the SIM manager in the Settings app only allows you to select a primary SIM card to be used for calls, texts and data. This limitation isn’t present in Samsung devices from other regions. The purpose of this post is to provide a band-aid solution that allows you to set a preferred S…