Crunk Times, My friend.....Crunk Times

[Chevillac 5,000+ posts]

$3900 at 25% interest, I'll never get it paid off.

Sure it will. And theres something missing to you story if they jacked it up to 25%. How late was the payment, 30 days or more? Ive missed a payment before by like 3 days, they didnt jack it up that high. They told me it relly wont effect your account until its 15 or more days late. ANd Most wont report it unless its 30 days or more. At least from what I know.

my mailman person would stop his lil car, walk up to the back door of my house, knock on the door and then give the mail or if no one was home leave it by the doorstep if snow was blockin the mailbox.

whack b.

 

[luvinthebass 5,000+ posts]

holy crap, what do u use ur credit card on Shaun? //content.invisioncic.com/y282845/emoticons/eek.gif.771b7a90cf45cabdc554ff1121c21c4a.gif

 

[Chevillac 5,000+ posts]

I guess I'll have to start selling my baseball cards

It was due the 17th actually, so 2 weeks late.

Ah, hat was the limit. That would be the reason for the rate increase, In my opinion. Call them and ask. For a late payment They shouldnt really touch it, if your acount is in good standings with them.

Also credit reporting is not instant, you can apply for loans all you want for the next 2 months before that shit even shows up on your account, if they ever decide to report it. IF your account is over the limit, they might report that, but for the 2 weeks late, I wouldnt think so. But Im not 100% sure.

 

[luvinthebass 5,000+ posts]

Maybe tell lyour sister this bind your in, maybe she'll help you out some. never know it's worth a try.

 

[Chevillac 5,000+ posts]

I have no idea, that is the problem.
I know roughly $1200 was spent on my kid that I'll never see again, then another $600 was spent on my niece who ended up never being born, so that is $1800 of it. IDK where the rest went to. I have another card with $700 on it, and another one with $330, and another with $400. Those small ones are all no interest at least.

Instead of a personal loan, just do a balance transfer. Transfer all them to one card, preferably one of the no interest ones. If you cll and do the balance transfer they might offer you a better deal. I did it once and they said I could do 0% for 3 months 1.99% for 6 months or 3.99% for the life of the balance.

 

[bdawson72 5,000+ posts]

Credit cards are the devil

 

[Chevillac 5,000+ posts]

It isn't over the limit. I guess I'll just apply for a loan for this card since it's high interest. I was thinking of trying for 5k and pay them all off, but I doubt I'll get approved. They don't just hand out loans to people with no calateral.

Ummm, yes they do. How do you think people get things? You can buy a car with no collateral. People buy houses with nothing but money and good credit and a job. Come on icetee........

 

[Chevillac 5,000+ posts]

[

I know she will, but I really don't want to admit to the debt I'm in.

I tried balance transfers, and they never accept the full amount. They only accept like a $1000.

So you have 3 cards that are no interest, do they add up to more than the total balance of all your credit cards combined? I know youve though about that. JUst split the highest balance up between the 3 cards with no interest rate?

 

[Chevillac 5,000+ posts]

Well how come they never approve me //content.invisioncic.com/y282845/emoticons/confused.gif.e820e0216602db4765798ac39d28caa9.gif

you tell me.

Didnt you just get your free credit report and shit or was that someone else. And you have decent and steady income.

Creditboards.com takes time to read lot there but theres some good info.

 

[Chevillac 5,000+ posts]

I don't have that high of a credit limit. The card with the $700 balance is only a $1000 limit, and the $330 one is a $500 limit.

ever ask for an increase? I dont know how that goes though. Tell them you want an increase for the purpose of a balance transfer. Worth a try.

 

[WhoSayWho? 5,000+ posts]

So DB, I guess I will see you at the Sugar Bowl tonight.

 

[Chevillac 5,000+ posts]

So DB, I guess I will see you at the Sugar Bowl tonight.

//content.invisioncic.com/y282845/emoticons/uhoh.gif.c07307dd22ee7e63e22fc8e9c614d1fd.gif

 

[WhoSayWho? 5,000+ posts]

//content.invisioncic.com/y282845/emoticons/uhoh.gif.c07307dd22ee7e63e22fc8e9c614d1fd.gif

Well, I will be there. If he is any kind of fan he will too.

 

[Chevillac 5,000+ posts]

Well, I will be there. If he is any kind of fan he will too.

i thought you said you lived in california?

 

[bdawson72 5,000+ posts]

He did