Old credit card debt My mother has some credit card debt from over 7 years ago that I just found out about ($60k total across 6 cards). She has not made any payments towards them and they have gone to collections and honestly I’m surprised she has not been sued for the debt. I recently read about statute of limitations on debt (we are in Texas). She has not looked a…

Credit card keeps offering me $250 credit if I spend $1,000 One of my credit cards has done this offer 4 times in the last 8 months, it feels like an insane deal. I just keep placing online pickup orders for items from Lowe’s which counts for the “online purchases” requirement. I just bought a house last august so the renovations are being done pretty much every time I get this offer. I pay off the card…

What’s the catch for store credit cards? Hi! Simple question. I have a decent credit score (840) and for most of my adult life only used 1 visa debit card and 1 credit card (Discover It). I decided to splurge today at Banana Republic and they mentioned a near 50% discount if I apply for their credit card. It was something like 25% off first purchase and 25% off for card holders this we…

Self employed – credit score I have a small contracting business that requires a pretty decent stream of large equipment purchases that gets paid off upon project completion. Equipment is paid with credit cards which in turn throws my credit score into wild ranges (one month credit utilzation over 90% and the next 25% etc). I need to buy a new truck soon and dont want to ge…

Anyone know why I was given “Exemption Credit” when doing state tax return? The only thing i qualified for was the CA EITC which was $108. But where did I get get the exemption credit for $144 from? I don’t think o qualified for anything else from the list I looked at (child credits, college etc) Sorry new to this! submitted by /u/mirrordolll

Using credit card for online purchases and bill payment roller coastering credit score. Greetings, I’ve been having issues where my credit score (primarily Experian) will fluctuate 5-10 points each month due to balance on my credit card increasing or decreasing from the prior month. I use my Citi credit card for online purchases and some bill primarily for security reasons as I can not only generate a vendor locked virtual account …

Looking for a debit/credit card setup for elderly parents? We need a debit or credit card account recommendation that would allow for them to easily spend money, but fraud alerts and spending activity be viewable my me and my brother (co-owners on account, possibly?). Im hoping maybe there is a bank account setup specifically designed for situations like this. The time has come for needing additional mo…

Help with credit card debt Hi I (23) female need advice about getting my credit card debt down. I have two discover credit cards and my debt is about $7700 I was trying to do a personal loan but my credit score is around 590 and keybank told me most banks are looking for 660 and above for an approval. I’ve thought about doing a balance transfer from both credit cards to a…

How come credit rating works so different in different parts of the world? So, in the US for example, to have a good credit score and get a good mortgage, as I understand it, you should have open lines of credit, use them responsibly over time and never ever pay late. In Sweden, where I live, open lines of credit is ALWAYS bad for your credit score, and, additionally, it can really hurt your mortgage. For example, if I…

I have 2 credit cards that I have been unable to pay off for quite some time I have the opportunity to pay them both off. I have 2 credit cards that have been in collections for the past 5 years due to financial woes. They are nothing crazy both totaling about $1,050. I have the opportunity to pay those cards off and im looking to fix my credit and get it up as high as it can go since I’m now financially stable and responsible. I still don’t have a crazy amount in …

I checked my credit score and it says I have 5 installment loans but I don’t know what they are. It says I have 6 accounts. 5 are installment loans and 1 is revolving credit. How do I find out what these loans are? I didn’t know I had any loans. My credit score is very good. I checked using the Discover app FICO score button. Please be nice. submitted by /u/phxroebelenii

What travel destination spot doesn’t get enough credit for being amazing, in your opinion? and vice-versa, what travel destination spot gets way toooo much credit? ​ Travel destination that doesn’t get enough credit: Travel destination that gets way toooo much credit: submitted by /u/Drakey504

Is this a good credit card debt payoff plan? I am trying to pay off my credit card down to $0 or down to below 30%, which for me out of my $1,500 credit limit means $450 or below balance. Here are the numbers I am working with: $1,313.81 – biweekly paycheck amount $1,599.20 – credit card balance today $1,699.20 – CC balance 4/11 fees added $290 – in my pocket right now from last check 4/1…

My credit report is now pristine…. Do I cancel my predatory credit cards, oldest cards I have. Hey! My credit score when I was younger was 💩. It took a while, now my report is Crystal clear & clean. The only challenge of course is that to get to this point, I had to obtain the following credit cards – Merrick Bank ($4 monthly fee and annual fee) 2x Credit One cards GM Power, now “Marcus” credit card Blaze credit card Legacy credit card…

Bill still on my credit report In 2017 I went the emergency room for a pregnancy related issue. I was on Medicaid at the time, but they billed me instead. I got a couple notices about it in the mail, and when I called (a couple times) I gave them my account number (or whatever number it was that they ask for!) And they said they’d fix it. When I got a final notice in the mail…

Someone took out a line of credit under my SSN before I was born, but used it very responsibly So I had something a little bizarre happen to me. To preface this, I’m 25, and recently applied for a new credit card (Capital One Venture Card). I was instantly approved for a $50,000 line of credit which seemed astronomically high. I had only ever had one credit card before this (Discover), which had a credit line that started at $2,000 and we…

My dad paid my tuition on his credit cards without telling me and has been struggling ever since I’ve been trying everything to figure out how to fix this, if I had known I would have taken a break or taken up student loans, i would even take out student loans retroactively and pay his cards off with that but I don’t know if that’s legal or even possible. He pays more than his minimums for each card too, and never misses a payment but when…

How to Freeze, Unfreeze, and ‘Thaw’ Your Credit (and Why You Should) A credit freeze can protect you from identity theft—but sometimes you’ll need to lift that freeze for credit or job applications.

Overcharged on credit card, no receipt and no way to contact. Hey guys, i just wanna preface this by saying i know i’m a dumbass. Was in las vegas, went to a tourist attraction trap (i know i’m a dumbass for getting caught in it. They asked for a tip- i gave them 2 dollars, which came back to 20 dollars which i must’ve put 20 by mistake which i was gonna let slide. Then it went up to 40 dollars. Which i KN…

Would it be a good idea to withdrawal half my savings and pay off my credit card debt? Over a year ago I was met with some unforeseen financial circumstances which caused me to rely on credit cards for necessities since I had no savings. I ended up maxing them out. Luckily I am in a better position now. I don’t have an astronomical amount of debt, only around 6k. I could withdraw from savings and pay off one of the cards complete…