“Eviction” on my credit history when applying for rentals – have never been evicted? I rented an apartment in college and always paid rent in full when student loans were dispersed for the semester. I never missed a payment, I was never even late on a payment during my time with the rental agency. However, upon move-in the agency waived our security deposit. This meant that when we moved out, we had to pay for any damages which…

Hey, please help ME to help my husband see why paying off credit instead of putting into savings would be better Obviously if you think I’m in the wrong here, let me know and I’ll change my way of thinking lmao We recently had to get emergency work done on the house. $4000. It went all on the credit card. We decided we would stop getting our $80 meal kits each week, and an organization we’re with has offered to buy our groceries until we’re good again, so…

Credit Card Got Scammed Need Help My Chase credit card was charged by a vendor called V GOLDEN BIRD three times up to almost $600 in purchases under “health & wellness”. When googling this vendor, it shows up as a chinese restaurant in Brooklyn, NY. Chase refuses to refund these purchases because they see it as apple pay and as chip insert. I informed Chase of the fraud, and upo…

High schooler needs a credit card I’m hoping for some advice. I think my high schoolers need a credit card, but my students aren’t 18 yet. Class trips to destinations that no longer take cash is becoming a problem. Buying gas will be an issue too. How do I go about getting them cards. Do I apply under my name for a student card with a low credit limit and then add my children as…

Family Loan for credit cards I have 35-40k credit card debt. The interest rates are crazy now. A family member has offered to pay them off and I pay them back at a 6% interest rate. I’ve been searching the internet to figure out how to bese legally do this. She can log in and pay the balance easy enough, but how do I pay her back every month? Deposit into her bank, won’t …

I’m trying to figure out the math of how I am slowly paying off my credit card? So I have a $4600 balance at 19.5% and on the same card a balance of $10500 at 27.5%. I make a $500 payment per month and the min payment is usually around $455 a month. The issue is that the payment I make all goes toward the lower apr balance ($4600) and the higher apr balance ($10500) the interest per month on it gets applied to the higher a…

I am 20k in Credit Card Debt and Unemployed for 6 Months I have been trying to find a job for 6 months, and my credit debt has finally caught on to me. I had tried looking for a job for the past 6 months, I am a Java maintainer for 3 years, and tried hard to get back on my feet. Now I have still have no job, the landlord has been chasing me, and the bank has been chasing me for my 20k credit card debt…

Have a great (800+) credit score, marrying someone with a horrible one. Any tips? Hi everyone, I have an amazing credit score (800+), but due to some bad medical luck, predatory student loans, and growing up in extreme poverty my fiance’s credit score is so bad that it might as well be non-existent. As in, he can’t even get approved for a credit card. I know that generally credit score is an indicator of financial habits, bu…

How should I use my first credit card Im 24 currently enrolled in college. I got approved for my first credit card, and have a 500 dollar credit line. Should I put my monthly subscriptions on there? My monthly tuition payments? Only do big purchases? I’m a bit confused and my family is anti credit card while simultaneously being financially illiterate. Thanks! submitted by /…

Help with increasing my credit for a car purchase. I would like to buy a car in Jan of 2024. Is it too late to add to my credit? I bought a home in May of this year and it dropped my credit to 706 in transunion and 739 in equifax. I only have one credit card. If it’s possible to improve my credit, what’s the best way? submitted by /u/home1fixes

Which credit cards should I close I took out a 15k consolidated loan to pay off my credit card debt. I’m trying to decided if I should close all my credit card accounts or not. I’m not sure how this would mess with my credit score. It’s currently at 699. Here are the credit cards with their age. None of them have balances. Wells Fargo: 5.5k, 9 yrs Kohls charge card: 2k, 9 yrs W…

CC Credit Score Help I acquired two new credit cards in addition to my main, buy everything credit card, because while I always paid it in full every month, using it for all of my expenses would get it up to around 50% utilization, and I mainly wanted to increase my limit. The two new cards have specific uses and will only be used for that. For one of them, I could …

Spent the last 5+ years trying to improve my credit just for an oversight to drop it 62 points. I destroyed my credit when I was 18-19 and have spent years paying 100% on time to see my credit go from about 530 to 640. All the stuff from 18-19 has dropped off my credit with 2 30 day late payments remaining on it both over 3 years old. I had all my credit stuff on auto pay and decided to get a new bank account so I could have a local bank v…

DeFi and Credit Risk As a potentially disruptive sector, DeFi must set aside some of its lofty ideals, for now, and focus on financial solutions with demonstrable global demand and adoption.

Credit Karma keeps reversing charges I stupidly used my credit karma savings account to pay my rent this month since my landlord switched to online payments only and I did not want to enter my debt card information. I made sure I had enough money in the account and they keep reversing any charge. So now it’s gonna look like a bounced online check. I am beyond confused because I did…

My wife found an unused Bank of America credit card on her credit report. Has she been the victim of a scam? Long story short, my wife recently ran a credit report and saw a Bank of America credit card with a fairly low credit limit there that she was unfamiliar with. She called BoA and got some more information, found that it had been applied for under her maiden name, using our current address, and had never been activated. She was able to get the ac…

Can I pause someone else’s credit card? Is it possible to put a pause on someone else’s credit card? I have a family member who passed away, and I do not trust other family members from trying to utilize her cards. submitted by /u/robzylla

Buy Select Lavazza Products, Get Amazon 4-Star Rewards Store Credit $10 Credit Amazon is offering *$10 Amazon 4-Star Rewards Store Credit* when you *Purchase Buy Select Lavazza Products* when you *follow instructions below*. *Shipping is free* w/ Prime or on $25+ or $35+ orders…

Buy Select Lavazza Products, Get $10 Amazon 4-Star Rewards Store Credit $10 Credit Amazon is offering *$10 Amazon 4-Star Rewards Store Credit* when you *Purchase Buy Select Lavazza Products* when you *follow instructions below*. *Shipping is free* w/ Prime or on $25+ or $35+ orders…

Messed up my credit at 20. Is it over for me? I’m 21 now. When I was 19, I had an average 750 according to the 3 credit bureaus. Totally fucked it up a year ago when I lost my job while having a balance (3-4k) on Amex cards which went unpaid for months before my accounts were closed and referred to collections. As of 8 months ago, I have paid off every single credit account I had. I owe ex…