Credit Score and closing accounts Hi, I’ve got a bunch of student loan accounts with balances in the three figures (7). With respect to credit score, Would it be better to continue paying the small amount to pay off over time or pay it all off? I’m concerned that closing 7 credit accounts would tank my credit when i’m considering buying a house. submitted by /u/Choice_Eye…

The Easiest Way to Ask Your Bank for a Higher Credit Limit Having a higher credit limit on your credit card can be beneficial in several ways. It can help improve your credit score by lowering your credit utilization ratio. It also gives you more purchasing power and flexibility with your spending. But automatic credit limit increases aren’t automatic—you have to ask your… Read more…

Issues with credit card after making a payment. Hello everyone, I feel a little lost here. Let me explain: I have the eBay credit card through Synchrony Bank. I used it to help pay for my wife’s college class. So we charged $800. After she received her financial aid I paid $700 on the card. That was mid of September. The payment processed for a while, but finally posted on September 21st. B…

PayPal and Venmo Debit and Credit Cards Gain Apple Wallet Support PayPal has announced that users can now add their PayPal and Venmo credit and debit cards to Apple Wallet, while still earning the same cashback and rewards on eligible purchases. The new integration means users can use the cards to make contactless payments in-store, and use iPhones, iPads, and Macs to make purchases in apps and on the web us…

Multiple credit inquiries from car purchases, all shown as individual pulls. Does this affect me? I purchased a truck back in may and the dealer had ran my credit through multiple banks to get me a better rate. A few days prior I had also applied with a credit union but didn’t go with them as the rate was too high. After doing lots of research I found out that all those inquiries would be considered only one hard pull to the bureaus, but on …

$30k credit card debt is crushing me I have $30k on mostly two credit cards – one with $21k and another $8k. I have a mortgage and with HOA, I pay about $2k a month. Car is about $900 per month (edit: $500 payment, $300 insurance, $100 for the interlock) and I think I am under water as I put 30k miles in a single year. I am paying about $1300 in minimum payments. I am using all m…

Should I continue using my Credit Card this way? Okay so for a little background information, i’m 19, still living at home, working as an apprentice electrician, and I just got my first credit card (“Discover it Card”) in august, and I have a 500$ credit limit. So as someone who is working in the trades, i usually get lunch at gas stations M-F(usually works out to about 7-10$ a day), aswell as…

15K in credit card debt Hi everyone, I have about 15k in credit card debt and a bad credit score… I want to fix it and pay off all my debt but I’m unsure how to do it, could someone give me some advice? I don’t want to ruin my debt for future purposes Thank you! submitted by /u/Kpisces0713

Venue used my photo with no credit Hey! So I’m not a super experienced photographer, but I’ve done quite a few events and portrait shoots. So I posted a photo on Instagram and tagged the venue. But they must’ve saved a screenshot of the photo or downloaded it. They posted my picture on their feed with no credit or mention of it being taken by someone else. Are they allowed to do …

Auto Loan Question – Who’s Credit Does Finance Manager Use? Hey all, sorry if this has been asked before, I’m relatively new to this process and is looking for help. My boyfriend has applied for an auto loan with our local credit union and was denied because he needed a cosigner. We reapplied with my mother as the cosigner and the loan was approved right away. However, they moved my her as the primary l…

Synchrony Bank Denied me credit after they accepted me Someone please help me make sense of this situation. I was in LA-Z-Boy to finance furniture for my new home. They had me put in a bunch of my information into a small kiosk in which it then spit out an approval for X amount. This amount was not chosen by me, but rather the Synchrony Bank kiosk. I carry on with the purchase with no issues. I then…

Effect of Closing Old Credit Looking to close one of these old sources of credit. My two oldest soources of credit are an old bank account/credit card from 2015 that requires a minimum of $1,500 in checking. $3,000 in credit. I figure i could be investing that $1500. A credit card opened in 2017 with annual fee of $100, and $9,000 in credit. I have other banks and a …

Credit cards being opened in my name at banks I’m not a member of I got emails from wells fargo a couple of weeks ago about my new credit card being approved and on the way etc. I’ve never been a member of wells fargo and didn’t order a new card so I called them to report it as fraud. Oddly, to me, when the wells fargo rep asked me the verification questions everything was correct, like my mother’s maiden name…

Should I pay off credit cards or medical bill? I am looking for advice on what to do regarding some bills that I have and the use of some extra money we have at the moment. I have about 3k to work with for now and an extra 800 from selling a few things. These are the bills that im working on getting taken care of: Amex – 10k Visa- 2,500 (stopped using) Medical Bill – 2,400 (400/month) I re…

Circle Rolls Out Open-Source Protocol to Help Build Tokenized Credit Markets Perimeter Protocol, an open-source smart contract codebase dedicated to credit facilitation, is the first development of Circle Research.

How can I help my mom who is struggling with 30k in Credit Card and household debt? My mom has always been a really nice person, and very generous even though she always had a tight budget. She got divorced years ago, bought a house, and managed to survive on her Salary (about 56K a year) by herself for a good long while. Now, she always was paycheck to paycheck, but managed to stay above water. Of course she ran into getting a…

Using Proof-of-Stake for a Decentralized Credit Bureau

Credit card theft through mail in TX, credit union says we are liable for all charges even though we reported within 24 hours My wife had a credit union account with a checking account and a credit card (not debit) associated with it. The credit card had not been used in over 2 years and she forgot about it. The card was expiring, so the credit union sent another credit card to our address. Our community mailbox had been broken into several times this year and someone …

Credit cards are eating me alive and idk what to do (Texas) I’m literally struggling to pay my credit cards minimum. I have two cards, first card (discover) totaling about $19,300.00 and the second card (bank of America) totaling about $7,900.00. The minimum payments just keep getting bigger and this is considering the fact that I’ve stopped using them and I just keep paying $1 more than the minimum. Jus…

New Credit Card Number Stolen Before I Received it in Mail I finally signed up for the TJ Maxx Mastercard in-store. I was issued a temporary number on a receipt printed at the register and told the card should arrive in 7-10 days. Seven days later, I shopped in the store and used the temporary number which was declined. The cashier retyped and it again declined. The manager was nearby so he popped in an…