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If you are willing to pay off your credit card do you think they will negotiate on the balance?
No. Why would they? The credit card companies make money by your paying interest. If you are going to be paying off the balance, they will no longer be making money from you. Why would they also desire to be accepting a lower amount for the payoff? If on the other hand, you are behind in your payments, they may then be willing to renegotiate the interest rate to encourage you to make payments rather than walk away from the loan. They may also be willing to negotiate a lower interest rate if you are making payments on time if you should indicate that you deserve a better rate (with them thinking that you will otherwise pay it off and have them make less.)
What else can I help you with?
What credit card would be the best for customers who think they might not be able to pay their balance?
A prepaid credit card is best for those who believe they might not be able to pay the balance.
How can one apply for mortgage refinance with bad credit?
There are few points that help someone to make investors think of giving mortgage to the person with bad credit, if one is: Always pay minimum balance on time. Try to reduce balances. Don't run up the entire balance. Throw away new credit card offers. Fix credit mistakes.
Can you negotiate on an interest rate with little or no credit history?
Whether you have credit history or not, you can still get a good rate. The best way to negotiate is to ask "is this the best you can do?" and then tell them you will check around. Compare rates and use the rate comparisons to talk each bank down. For example, saying "Bank of America can do better, can you beat this?" Then tell them you will think about it while going back to the other bank to do the same thing.
Can you transfer a balance from a closed credit card?
Me personally I don't think if the card is closed then No u can't so good luck bye
I just got a new credit card. I dont have any credit cards other then this one. If I cancel this credit card that is new with zero balance will it affect my credit score?
Everything you do related to credit cards will affect your credit. My advice would be to leave the credit card account open and here's why; While just cancelling your credit card (with no balance) shouldn't hurt your credit, here are a couple things to think about; 1) your credit history makes up 15% of your credit score. No history means no points. 2) your payment history is makes up 35% of your credit score. I know you said you don't have a balance, but an occasional purchase and on-time payment will help your credit. The only thing that could hurt you if have too much available credit. If the card has a $50,000 limit, this could work against your. But I doubt it, seeing this is your first card.
What credit card would be the best for customers who think they might not be able to pay their balance?
A prepaid credit card is best for those who believe they might not be able to pay the balance.
How can one apply for mortgage refinance with bad credit?
There are few points that help someone to make investors think of giving mortgage to the person with bad credit, if one is: Always pay minimum balance on time. Try to reduce balances. Don't run up the entire balance. Throw away new credit card offers. Fix credit mistakes.
Can you negotiate on an interest rate with little or no credit history?
Whether you have credit history or not, you can still get a good rate. The best way to negotiate is to ask "is this the best you can do?" and then tell them you will check around. Compare rates and use the rate comparisons to talk each bank down. For example, saying "Bank of America can do better, can you beat this?" Then tell them you will think about it while going back to the other bank to do the same thing.
Can you transfer a balance from a closed credit card?
Me personally I don't think if the card is closed then No u can't so good luck bye
I just got a new credit card. I dont have any credit cards other then this one. If I cancel this credit card that is new with zero balance will it affect my credit score?
Everything you do related to credit cards will affect your credit. My advice would be to leave the credit card account open and here's why; While just cancelling your credit card (with no balance) shouldn't hurt your credit, here are a couple things to think about; 1) your credit history makes up 15% of your credit score. No history means no points. 2) your payment history is makes up 35% of your credit score. I know you said you don't have a balance, but an occasional purchase and on-time payment will help your credit. The only thing that could hurt you if have too much available credit. If the card has a $50,000 limit, this could work against your. But I doubt it, seeing this is your first card.
Anything about a TV news report that said credit card companies were accepting lower than 50 percent if you paid the balance in full without receiving a negative report?
I just saw the very tail end of a tv news report that said something about credit card companies were willing to accept 37 percent of the balance if you paid the balance in full without any negative reporting on your credit report. I think it might have something to do with a new plan to get people help to pay off or the government might have been trying to implement something. I cant remember what station, but it was a national news program and it was not an advertisement. I cant find anything about it on the internet. Have you heard anything about this? Thanks J.T.
When workers negotiate as a group with employers they are engaging in?
i think its collective bargaining
Who helped negotiate treaties with France?
I think you are talking about Benjamin Franklin.
When workers negotiate as a group with employers they are engaging?
i think its collective bargaining
I have bad credit a lot of old bills and can't afford to pay them off I think bankruptcy is the easiest or is it?
Maybe. There's no simple answer for everyone and every situation. Whatever you do, don't just skip payments if you can't make them. Contact your credit companies and ask them to work with you. Sometimes they will negotiate a partial payment on the balance in order to close the account, or make arrangements to help you pay what you can. But non-payment just makes it even more difficult for you to resolve the situation. Consider a debt consolidation agency to help you evaluate your options.
Can you explain the difference between debit and credit in terms of financial transactions?
Debit and credit are two sides of the same coin in financial transactions. Debit means money is being taken out of an account, while credit means money is being added to an account. Debit decreases the balance, while credit increases it. Think of debit as a subtraction and credit as an addition in your financial records.
What to do about unpaid balance on repossion of car?
Im going through the same situation. The credit company called me and said I owed a certain amount in order to get this off my credit. The problem I have is I dont have the pink slip and they think they repossessed my car when acctually I still have it.
