How Credit Card Delinquency Can Hurt You (and How to Handle It) Missed payments can quickly get out of hand if you’re not on top of your amount owed and due dates.

California is ready to pick a fight with Trump if he kills the federal EV tax credit Photo by Mario Tama/Getty ImagesCalifornia Governor Gavin Newsom vowed to bring back the state’s rebate for new electric vehicle purchases if President-elect Donald Trump follow through on his threat to kill the federal tax credit. During the campaign, Trump vowed to eliminate President Joe Biden’s “EV mandate” on “day one” of his presidency. A…

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50k in credit card debt help Well, close. $46,558. Family of 4 (two adults, two preschool aged kids) It started during Covid when we both lost our jobs and then dealing with an 8+ month unemployment gap but bills still needed paying. Regardless, it’s where we are now. I’m in school full time, my husband works full time and makes about 83k a year (paid biweekly about $2700 p…

If you were 31 years old with $20,000 worth of debt and bad credit and it won’t fall off your credit report until 4 more years from now, what would you do? …… I really want to turn my life around (money and credit wise) and be able to buy a house and get a car loan plus other things like investing and starting a business and going to school to study Finance but all those things require me to have low debt and good credit. I’m living paycheck to paycheck, no savings, car is getting me to A and B…

How do I increase my credit score? I’m 23 and got my first credit card about 3 months ago months ago my utilization is about 30% because my limit is $500 but I applied to get a higher limit recently. I always pay my balance every month but my credit score is 681. Looking to get a higher score what should I do? submitted by /u/Fabulous_Flatworm134

HELOC or Home Equity Loan to pay off high interest credit card debt? Currently would it be a better move to get a HELOC or a home equity loan to pay off high interest credit card debt? submitted by /u/Nervous-Equivalent

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Unusually High Credit Score Drop I forgot to pay my credit card before it posted this month. It wasn’t that bad, maybe 65-70% utilization so a little higher than normal but I clear it every month and it was nothing too crazy, less than $2k. My credit score dropped 27 points and my wife who’s a named user dropped 45 points. We both have other lines of credit that were low utiliz…

SCTV: The Church of Unlimited Credit featuring Robin Williams submitted by /u/bluenowait

3 hard credit checks from one day I purchased a car a few months ago and I was looking at my credit report through capital one (I know that’s not the most accurate) and it is showing 3 inquiries on my report from that day, 1 from the chase, Wells Fargo, and the dealership. I understand when getting rates they will check with multiple banks, but shouldn’t that only count as one h…

Credit Card debt please help!! So I am 34 and amassed 26k of credit card debt while being a primary care provider for my father. The credit card debt is over 180 days old, and I have not been making the minimum payments. All the money is on three credit cards. I received a check that would enable me to pay the credit card minimums that I have been missing, roughly 4k or so. I…

Business Credit Card Hi, I hope this is OK to post. I have quite a substantial amount of money saved to open my e-commerce business. But I am looking for a business credit card. I have been a stay at her mum for the last five years and struggling to find a business credit card from a lender because they’re looking at past financials. I’m located in Australia. I’m no…

Automakers plead with Trump: don’t kill the EV tax credit Image: Laura Normand / The VergeThe auto industry is sending an urgent message to President-elect Donald Trump: spare the $7,500 electric vehicle tax credit. In a November 14th letter to Trump and his transition team, the auto industry’s main lobbying group urges the new administration to preserve incentives for EV buyers and manufacturers that…

Buy These EVs Before The End Of The Year To Get The Full $7,500 Federal Tax Credit It’s better for the planet and people who breathe air if more people who drive gas-powered cars switch to driving electric vehicles, so it makes sense that the federal government would want to incentivize making the switch. The fact that the incentive is a tax credit can make it difficult to understand, though, and… Read more…

Bolts escape, credit culture shift under Harbaugh The defense and QB Justin Herbert buoyed the Chargers as they avoided another late-game meltdown to beat the Bengals on Sunday night, a scenario that illustrated how different the team is under coach Jim Harbaugh.

Will my credit union report my $35,000 HEL payment to the IRS? Hey guys, so I’ve been slowly squirreling away cash from tips (mostly unreported) and have about enough to finally knock out the Home Equity Loan hanging around my neck. I’d like to pay it off. My savings account and HEL are with the same credit union and it would literally just be a transfer from the account to the loan. It will be however a pa…

Help! I am scared I messed up my teen son’s credit. I’m a single Mom and I struggle a bit. When my son was 16, I put him as an ATP on a credit card so he could use it for a gas or emergencies. I used it several times and always paid it on time. It’s a Credit One credit card and a very low amount, but again, as I said, I struggle sometimes. So I’ve had some missed payments within the past year, an…

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Just turned 18 and my dad signed me up (without my permission) for four credit cards I know it’s important to build credit, but waking up on my birthday to an email saying my application for a Discover student credit card was received was not what I was expecting. He also signed me up for Self (no idea what that is), and is demanding that I sign up for Chime and another credit card for my personal bank account I use for work. He…