November « 2008 « Credit Cards – pay off interest rates

November 26, 2008

What credit cards are out there that don’t charge fees for using them in foreign countries?

Filed under: Credit — Tags: Charge Fees, Credit Card Company, Credit Cards, Europe, Foreign Countries, Transaction Fees, United States — admin @ 9:43 pm

calstud4life asked:

I am going out of the United States this upcoming summer for 3 months and would like to have a credit card on me that I will be able to use in Europe without being hit with transaction fees. Does anyone know of a credit card company that issues cards without charging an exponential amount of interest or transaction fees?

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November 16, 2008

Credit Card Debt and Student Loans, What to do?

Filed under: Credit — Tags: Credit Card Debt, Credit Card Debts, Credit Cards, Credit Debt, Credit Loans, Debt Loans, Decent Money, Dti, New Car, Student Loans — admin @ 3:41 am

syrinffxi asked:

I currently have Credit card debts and Student loans going to kick in in January. I am looking at trying to buy a new car hopefully in the next couple months and I am worried about what my credit is going to reflect and also my DTI. My credit cards currently equal about $8000. I haven’t been the best the past couple months about paying full amounts and being on time (Which has resulted in some phone calls from them =><=) Due to being laid off for a bit. I now am making decent money and can start making a decent payment towards the cards and catch up. Should I consolidate to make my credit look better? Any suggestions?

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November 9, 2008

Consolidate private student loans on lower interest credit card?

Filed under: Personal Finance — Tags: Balance Transfer, Consolidate Loans, Consolidated Payment, Consumer Credit, Consumer Debt, Consumer Report, Credit Cards, Credit Report, Credit Score, Education Debt, Interest Credit Card, Money, Private Loans, Private Student Loans, Variable Rate — admin @ 2:29 pm

curious126 asked:

Here’s the situation: I have about $30,000 (of $114,000 total) in 3 student loans at 7.5% (variable rate). These loans are private and that’s why I could not consolidate them. I have a balance transfer offer for 4.99% until paid off on one of my credit cards and am tempted to transfer as much of the 30,000 as i can to that card. I don’t use this particular credit card for anything else, so this would be the only balance on this card My concern is that this will show up as consumer debt on my credit report as opposed to education debt. Anyone know what kind of impact this will have on my credit score? Worth the saved money in interest and consolidated payment? Any other advice or commentary?

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