Credit card Debt feeling like a lot Hey guys, just curious on thoughts. I have 2 credit cards, one of them with a balance close to 25k and one around 5. Making payments every month on time, but I am trying to find a way to pay it down but the interest is pretty high on the first. A mistake I hope to never make again. Is a personal loan a good option to pay down debt? I get offers…

One hefty credit card or a few smaller ones? Just finishing up paying down some debt I incurred on a few credit cards. Dumb spending from when I was a little younger, but as a result my credit is actually super high. I have 3 cards as of rn. I wanna get rid of at least one, possibly two. Is it smart to get one card (or maybe 2) with a credit limit that is as high or higher than the 3 combi…

LPT: Stop getting credit card offers in the mail Go to OptOutPrescreen.com and opt out of pre-screened credit card offers for 5 years or permanently. It only takes a couple of minutes and will clean up your mailbox fast. submitted by /u/FinanceMe03

I own a house, but have no credit score. Hello everyone! I inherited a house worth $250k from a relative. I can’t get a loan on the house due to no credit history. I took care of said family member for 10 years. I was paid by them, but nothing to file a tax return on to build credit. Any ideas from anyone would be appreciated. I’ve been up this issue and down the other in my mind and I…

Anvil Launches DeFi Protocol for Letters of Credit Founder Tyler Spalding sees the Ethereum-based smart contract project as a step towards creating a new form of money for payments, loans and counterparty credit in DeFi.

Will not paying full balance impact my credit score I am a 22 yo student. I have been using my credit card since 18. This month will be the first month I won’t be able to fully pay off my card. I have a 20k limit, and I think I will have $400 not paid off. My intrest rate is 20.99% annually Will this impact my credit score? I will graduate in May, and hopefully start working. I don’t want to le…

Someone used my credit card to send me a gift card? In late December I got a text message from my credit card provider about a fraud alert of a $100 purchase made at 1:44AM at BHN*GIFTCARDS. The purchase was made somewhere in California, I live in Florida. I did the whole process of filing a fraud alert and getting a new credit card and everything. My only place of confusion was the fact that who…

Today’s the last day to get $50 in credit when you preorder Samsung’s new Galaxy devices You can get $50 in credit when you preorder Samsung’s new phones, which you can use toward Samsung’s other products.Samsung’s very likely about to announce the new Samsung Galaxy S25 along with other new devices tomorrow, January 22nd, at its Unpacked event. If you’re at all interested in any of the new gadgets, you might want to jump on Samsung…

drowning in $30k credit card debt, need advice There is $30k sitting on two credit cards, one at $21k and the other at $8k. between the $1,300 in minimum payments, my mortgage with hoa fees at $2,000, and my car at $900 monthly, my $5k after-tax income feels like it disappears instantly. After a dui, I lost a side hustle doing delivery work, and now i can’t afford basic car repairs. I’ve tho…

Credit is poor due to missed payments I missed 2 payments on my car loan because of a sudden situation and i informed them that i might miss payments (no deferred payments left) and the girl said yeah its fine we understand and pay as its possible for you. Now i have been paying from october to January this year and it says i missed a total lf 6 months. Should have been 2. What shou…

Mom made a bunch of credit cards in my name and tarnished my credit score. Advice appreciated UPDATE: Credit is frozen. Thanks for the tip! So uhh, where to begin? My score is 572 and I have never touched my credit score before having this bombshell explode on my face. I’m going to move in with a friend in the coming weekend and seek legal advice at the minimum. Will more than likely seek prosecution or demand she confess to identity the…

Does a no-limit credit card hurt my credit score by skewing my credit utilization? I have an Amex card that has “no preset limit” which I think really means I have an arbitrarily high spending limit, as decided by Amex’s algorithm. On my credit report, the credit limit for this account is shown as “unknown” or “unavailable”. But of course the account balance is reported. When calculating my total credit utilization, this card’…

Paying off credit card debt directly vs personal loan? I am at a crossroads on what to do about my credit card debt and the best way for me to go about paying it off. For background, I have three credit cards each having an APR 25%+ and a grand total $35k in credit card debt. I’m employed and pay at least the min. for each card every month but have found I’m not making a dent. I want to quickly make…

5.5k credit card debt I make 1k weekly I have 5.5k in credit card debt spending got a bit out of control last year I’m single make one thousand dollars a week I take extra shifts at work. I have a 445 car payment and 450 in bills a month so 945 in fixed expenses. I want to save money as well because I’m planning on moving out with my friends in May. What should my approach be pay off…

What to Know About the E.V. Tax Credit That Trump Might Repeal Rules for a $7,500 tax break for electric vehicle purchases and leases recently changed, but more far-reaching changes are expected when President-elect Donald J. Trump takes office.

Credit report help please tia Hi, I’m unsure how to go about this but my credit report showed I had 3 unauthorized inquiry, soft and hard inquiry per experian saying…I read some post to just freeze my account and check constantly and to not dispute it?? I’m confused what to do here …. I’m scared of a loan can be possibly taken out 🥲 pls help.. submitted by /u/Large_P…

Credit card debt questions I have 10k in credit card debt. I pay way over the minimum due but not the statement balance on all my cards. I have about 8k in my Acorns account and am thinking about withdrawing it to pay off my cards and not be as in debt. I guess my question is what would you do? Would you pay it off and lose some of your savings, consolidate onto a lower …

Getting Better Credit as a College Student with Little Understanding of Credit I am 21f. My mom had me under her credit card for 5 years. I had excellent credit. I recently found out she removed me, and my score dropped 50 points. I was wondering how to build my credit history now that that was removed. My first instinct is a credit card. I am a college student with unsteady or little income, though I did see there are stu…

Partner’s credit tanked 100 points. He doesn’t recognize the debt. What it says on the tin: My partner got an email today saying that his credit has tanked 100 points. He was on track to 700, now is below 600. The thing is that the debt listed is a medical debt for a city he hasn’t lived in for four years, with a medical group that isn’t affiliated with any hospitals he’d been to while living there. It totals …

Mortgage rates don’t seem to go down even at 780+ credit score I am looking to buy a new home and sell my first one. I know how interest works and how mortgage interest rates work but not how they are calculated. I am looking to buy a home and have an essentially perfect credit score. The first lender I went to look at was shocked when I said as such and she confirmed with a soft credit pull, I assume the s…