10k Credit Card Debt and unemployed I’ve found myself looking for a little advice on what avenue to take regarding my credit card debt. Age: 25 Credit Score: 775 (Fico) About 2 months ago I got laid off my job (about 65k per year) and decided to go to Europe with my new found time off. I’m now back home and have successfully applied for unemployment and will be collecting $603 per…

Student loan still on credit report despite being at $0. Title. CK says that I still have my Sallie Mae student loan open despite the balance being at $0. Did something go wrong on their end? Or does it take time for the account to close? TYIA! submitted by /u/Nickvec

Credit Card Limit can or should I increase? We’re using about 85% of our Sams Credit Card every month. It’s paid off every month. Just used for fuel gas mainly. I know we shouldn’t use that much of it however just fuel for two cars a month is what is mainly spent with it. Can I get an increase? We got it after boosting our credit score, our first cc, and my partner and I have been doing v…

Need advice on how to handle my credit card debt Hey everyone, I’m in a bit of a bind financially and I could really use some advice. Back in April of this year I was laid off from my job. I was the primary income for my family of 3 (not married just living together) and only recently have I found a new job. During my time unemployed I’ve managed to rack up a total of $25,862.95 on my Chase Sa…

Why is my credit card limit so high? My partner and I have the same Mastercard credit card (applied separately but it’s the same product). I make about $75,000 and he makes about $125,000 a year. I have about $70,000 in student loan debt while he has zero. We both have good credit (760+) but his is a little better than mine. Why is his max limit $12,000 for the credit card and mine…

my credit score dropped 95 points overnight So I need help understanding this. I tried calling TransUnion but they said they couldn’t explain my credit score to me, so here I am on Reddit hoping someone can explain to me what in the world happened. I pay all my credit cards on time. And I’m utilizing 40% of them. I’m working on bringing that down. I had an installment loan that had been c…

Dealership pushing lease for $7,500 tax credit vs purchase I am buying a Mazda CX-90 PHEV. The dealership is pushing hard for a lease so that I can get the $7,500 tax credit, I do not quality otherwise. They take it off the price of the car at purchase. I’m having a hard time understanding the math. Ultimately, I will buy the car, as soon as possible. I do not want to lease. I was told that after 6 mont…

building credit at 19 yrs old 🙀 as the title says, i would like to build my credit. i have a credit card that’s about a year old. the only thing i understand about it is, paying it off on time or before on time slightly builds or keeps your credit from falling. butttt when i filed for one i was 18 yrs old working 50 hrs a week at subway and didn’t really have a reason to use i…

Keep first credit card i ever had open? Looking for guidance. I currently have a credit score in the high 700s and have 2 credit cards open with capital one. One with a 35k line and one with 13k line that i both use regularly and then pay off each month. I also have a mortgage. Im in my late 20s now and have had another credit card line with BOA since I was 18. It has a credit line of…

Should I sell my house to pay off wife student loans and credit card debt? I can make about 120k if I sold my house right now. My wife has about 30k in student loans and together about we have 48k in personal debt. I work in building maintenance and would be able to get a 2br living on site at my property with a 75%-80% discount on the rent. We have a combine income of about 160k before taxes and currently working to p…

Racked up 22k in credit card debt I have 22k in credit card debt, I reached out to a program (pds) to help out but im scared of making the wrong decision and ending up in a worse situation than i currently am. Im 27 years olds and want to clear this debt as soon as i can so i can work towards my future financial goals. I make my monthly payments on my cards and have no late paym…

Avianca rejects credit cards TLDR I can’t pay for anything, Avianca (not my card company) rejects my credit cards because they seem “suspicious”. I had trouble buying some tickets through Avianca, I would pay and get the confirmation email, then the next day I would get an email stating there was a problem with payment and that everything was canceled. This would be after t…

Recently laid off, tempted to pay down my credit card debt with part of severance pay. Looking for advice. I need some other opinions on my financial situation and the best way to move forward. I have around $20k total in credit card debt, split between 2 cards: Card 1 – $10k @ 29% APR Card 2 – $10k @ 22% APR I also recently got laid off and received a sizable severance lump sum payment, I currently have $30K in cash. I live in a HCOL area and my m…

Can Someone Explain Credit/Credit Cards to Me Like I’m 5? I know this is probably asking a lot, but I feel like I am financially illiterate, and I need someone to explain how credit cards work and what would be the best way for me to build credit. I went through all of high school and college with absolutely no financial education. Despite taking a life skills course in high school and an economics cou…

Expedia Credit? Delta/Expedia Flight Changes Hi All, I currently have a booking via Expedia (Delta) for LHR – LAX (2 Adults and 1 Lap Infant). Annoyingly for whatever reason, expedia cannot make a change to change the lap infant to an infant in seat. Its against policy? Unsure why but ok. Either way, we’re in a position now where 8 months on from when we booked, a lap infant really isnt id…

Trying to rebuild emergency fund, but I have about $8k in credit card debt. I am trying to rebuild my emergency fund and pay down credit card debt, however, I am paying the credit card debt first about $1000 a month. Though I really want to rebuild my emergency fund to about $10k in the next year. My goal, at this time, is to rebuild my emergency fund, pay off the car, and pay credit card debt. However, the cash flow i…

One credit card for 2 People ? Hi everyone, We are going to London soon but… we have a little problem. My wife and I have our credit cards, so no problem for the tube or bus. But her son has not… I would like to know if this is allowed to (for example) pay without contact for the tube, then give him the card for also paying without contact ? I mean, I know there’s a daily…

Missed payment results in 141pt credit drop So, I have a visa that keep on standby and is one of my oldest accounts. It is only ever used if I forget my main card but typically just sees the annual fee. Annual fee came due on the 13th, thought it was paid while taking care of my other bills but evidently, got missed. I have had a score in Credit karma over 830 for as long as I can remem…

Looking for recommendations for credit card that offers good rewards, intro no APR Hey all. I’ve got a big expense that I’m planning (about 6k – Invisalign lol) and I have the money to cover it. My ortho offers 5% off if I pay it in full, which I’d like to take advantage of. However, I have my money in a high yield savings account earning about $70 passively every month. So I don’t wanna actually use up a chunk of that money …

Should I pay off my credit card before APR increase? I got a credit card almost a year ago and have about $4800. For the first 12 months it is 0% Apr then after 12 months it jumps to 18.5% I could get a personal loan through SoFi to pay it off with 13% Apr for 3 years. submitted by /u/Chromaticism0