Should I pay off one credit card in full, or make partial payments on both credit cards at the same time? I owe money on 2 credit cards. Currently $6900 (was $9000) on a MasterCard with an interest rate of 24.99%, and $3800 (was $6200) on an Amazon MasterCard with an interest rate of 19.99% (these figures are rounded). Background: I lost my job in Janaury, and have since been relying on a combination of minimum wage employment and my little savings …

I have paid every single debt off, but why my credit isn’t improving? I’m not going to lie, I had issues with getting g myself into debt over the last several years; my credit has improved to 625, from 515, but have a question about how to improve my score faster. I had credit debt of about $8000 (total debt across three cards), and paid it all off yesterday. Along with that, I had a student loan that had roughly …

What do I do with a low limit credit card ? I’ve had this secured credit card since 2019 that was only 300$. It’s been upgraded to a unsecured after a year and has always been paid in full every month . Compared to my other card the limit is so low I don’t know what to do with it. I generally put like 1 gas station purchase ( energy drinks etc ) But it really feels like I’m just using i…

How should I handle my student loans to improve my credit score? My credit score is 690. Currently I have two credit cards: one that is a year old, and I just got the other one. I also have 4 student loans, but I’ll have 6 by the time I graduate in May. I haven’t paid anything towards these loans yet since they currently have no due date, and I can even apply for a 10+ year repayment plan now. My entire credi…

LPT Request: How to stop receiving credit card and student loan offers in the mail? I Just graduated and now every week I recieve several letters in the mail encouraging me to get a credit card to pay off my student loans for my collage. I’m not going to college, and when I get a credit card it’ll be on my terms. How do I make this stop? submitted by /u/emo_rat119

Employer listed on credit report is not mine Noticed KFC listed as a new employer on my TransUnion report this morning. Called TransUnion, they confirmed it was reported on July 16 and verified on July 18. Told them it is identity theft, they removed KFC and helped free my credit (they notify other 2 bureaus). Are there any additional steps I should take at this time? Should I file a polic…

Is it a conflict of interest for the credit bureaus, Equifax/TransUnion to act as sole gatekeepers of credit scores using their own rules, then profit selling products to “fix” them? Their products only improve their own bureau’s scores, so people trying to improve their credit get suckered all the way around by both companies or risk one score being even more out of sync with the other than they often already appear. Essentially Equifax and Transunion determine their own algorithm that is used to determine everyone’s scores…

How is credit card fraud actually investigated? My backpack with my wallet/laptop was stolen from a parking garage at Ohare airport. They then bought $13,000 Taylor Swift tickets that day using my laptop and credit card (I was an idiot and did not have a password on my laptop, trust me that will not happen again). I reported everything to the police and my credit card company the next day. I …

Can’t figure out what components give her photos this aesthetic.. any thoughts? (credit: emackphoto) submitted by /u/astralqt

Working to pay off $12000 in credit card debt Hi, I am looking for any advice. I’m 26 and finally at a good job that pays me 6 figures and I’m looking to pay off my credit card debt. I’ve set a budget and no longer use my credit cards, and I have paid off two since last month. I’ve realized how much work it’s been trying to pay off the rest of my 7 credit cards (interests ranging from 27.24…

Should I bother to remove this unknown account off my credit report? I noticed this last year when I first started to be aware of my credit score. I was born in 1990 and there is a credit card on my credit report that was opened in 1988. I’ve just left it there cause its my “oldest credit card account”. Is it a good thing or bad thing? Infos on the unknown account: Credit Report Period : xx/xx/2014 Opened : 07/18…

Credit Score Keeps dropping, even though I’ve never missed a payment For context, this is my first card and I’ve had it for 6-7 months. My credit limit is $1000 and I’ve never been above $120 on my statement. Timeline: May 06: Received a Fico score, was assigned a 707. Jun 11: Credit score decreased by 7 to 700. I had a $120 Balance on my card this month. Paid it on the same day the statement was generated. Jul 0…

Credit card fraud happened to me Hi, so I was alerted earlier that I had orders in a different state via the Walmart app. I logged in, cancelled the orders. I don’t share my accounts with anyone. I noticed on the Walmart app had a new credit card attached with my name. The credit card says my name and visa and the last 4 numbers. No identification from where the cc is from. I w…

is it risky to rent my house to someone w/ low income, but good credit and a co-signer? My rent is 2200. The lady who wants to rent the house in her 60s. Her social security income is 1200/month. No other income. Her credit score is 810. She has a paid off condo in another city. It worth 300k. No other loans. She plans to rent out her home and move to my city to be closer to her son. However, according to the website. The rent esti…

What are the downsides of putting my nephew as an authorized user on my credit card if he never uses it? What are the downsides of putting my nephew as an authorized user on my credit card if I never even give him a card and he never uses it? I understand the risks involved if he does use it. Forget about those. I’m just trying to decide if I am not thinking of some other risk. My dad did it for me when I was young and it really helped my credit s…

Are Debt Relief Organizations recommended to pay off credit card debt? Why or why not? I’ve amassed a pretty large credit card debt due to some irresponsible decisions and also to try and keep my, now defunct, company afloat. I want to pay off my debt and I’ve heard mixed reviews about using the debt relief organizations. submitted by /u/GlitzBlitz

Why are a lot of places changing credit card payment policies? In the last 2 or 3 months my phone bill, rent, and insurance have all started to penalize me for using a credit card to make paymentseither i wont get my auto pay discount or ill have to pay a 3 percent convenience fee. 3 percent fee on 2500 is a lot.. it nullifies my casback rewards plus some. Has anyone else experienced this lately and what ar…

Lost credit card and am traveling tomorrow How screwed am I? I booked a trip for my husband and parents using my name and credit card, and we’re leaving tomorrow morning. I have lost my credit card and can’t find it anywhere. I do have it on Apple Pay, which is fine to use most places, but I’m worried about checking into hotels. Their conformation emails are all saying I have to have the…

8k auto loan with 1k down, 650 credit score, and 3.7k credit card debt. What are my options? Recently got denied at my credit union, so I’m wondering if I’m just not gonna be able to get this loan. I’m 25 years old, making a little over 2k a month. Rent is 1167 a month, but my dad gives me 1k a month to help with that. I don’t miss payments, and I’ve recently been paying off more of my loans, down from 4800 earlier this year. My plan w…

Hard inquiry on my credit report I did not authorize. TransUnion and the bank are both stonewalling me. I don’t know if I’m in the right subreddit, but here’s the situation: I got an email from creditkarma last night that I had a new hard inquiry. I have not applied for any sort of credit recently. The bank that pulled the inquiry is nowhere near me. I immediately froze my credit that night. Fast forward to today. I called TransUnion first. At fir…