i am now in credit card debt

[ughhibye 10+ year member]

i missed a call from card services the other day figured it was for the GF. didnt give it a second thought. till i checked my email today basically saying i haved made a payment in 4 months etc etc and they were going to turn me over to collections.

i use online banking and somehow my 100 dollar a month payment was getting routed to my savings account. instead of to my fathers account.

its aspose to go like this.

my dad has all are bills "mine,his the business and my half sister all to one account"

7 days before the bill is due the money is transferred to that account "we all have separate personal accounts" and the bills are payed automatically. worked fine for the past 2 years.

something got changed and my capital one payment has not been going out for 4 months. and i now owe them 1000 bucks credit limit was 800 after the late fees it gave me the over drawn fees etc etc.

i sent them 100 dollar payment. and am going to just pay it off completely the next payment and cancel the card " only reason i had it was a gas card when i was going back and forth to Miami 3 times a week.

my question is how bad has this screwed my credit? i am 18 and this was my first card. also my dad is trying to tell me that paying it off in one sum will hurt it worse. and that i should do it over the next 8-10 months. any truth to this.

basically im just trying to get out of this hole with out caving it in

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[DDeitz 10+ year member]

can you njot call them and explain what happened?

 

[IA2 10+ year member]

as long as you don't cancel the card there is nothing wrong with paying it all off at once

 

[NightDrifter05 10+ year member]

I'm not sure how it will effect it but I have also heard just paying it off monthly help's more then doing one lump sum. I had something similar happen to me and I just paid off the card completely in one payment and kept it. I wouldn't cancel the card though as I heard that will make it look worst on your part.

 

[ughhibye 10+ year member]

can you njot call them and explain what happened?

they do not give a shit its more money for them lol plus i already talked to them.

even went up to the supervisor all i got was "well sir if you can make a payment by the 24th you will be on your road to recovery"

 

[ughhibye 10+ year member]

I'm not sure how it will effect it but I have also heard just paying it off monthly help's more then doing one lump sum. I had something similar happen to me and I just paid off the card completely in one payment and kept it. I wouldn't cancel the card though as I heard that will make it look worst on your part.

i dont need it and really dont want it anymore. dont have a use for it i can use my debit as a credit anyway.

i raher not spend money i dont have unless its coming back in a quick like manner

 

[LazyRider 10+ year member]

That sucks, if I were you I would just pay all my bills myself with my own account. It helps prevent little mishaps like this.

 

[simpsonbuck 10+ year member]

Do not cancel the card.

That will drop your credit score.

It won't hurt it too bad. Just pay on time for 6 months and try to only carry a balance of 20% of your limit.

 

[ughhibye 10+ year member]

That sucks, if I were you I would just pay all my bills myself with my own account. It helps prevent little mishaps like this.

the reason we have it like that is i am gone a large part of the time and he pretty much does it all. honestly idk what happened. all i can do is try to rebuild.

what sucks is i was trying to get a loan for 5k to build my cnc router but that will have to wait till my credit is back in order

 

[kovemaster559 5,000+ posts]

this is what you have to do go back in their and if they say they cant extend it . pull your pants down and take a shit in the middle of the office then flip them off and say **** you to the guy who said no. tell them teh kove sent you

 

[ughhibye 10+ year member]

this is what you have to do go back in their and if they say they cant extend it . pull your pants down and take a shit in the middle of the office then flip them off and say **** you to the guy who said no. tell them teh kove sent you

my luck i would fall back into my own shit.

 

[kovemaster559 5,000+ posts]

my luck i would fall back into my own shit.

that aint good my friend. not good at all. its supposed to be a statement sent to him that you dont give a shit. if you step in it they will not take you seriously

 

[DDeitz 10+ year member]

that aint good my friend. not good at all. its supposed to be a statement sent to him that you dont give a shit. if you step in it they will not take you seriously

but if he walked into the office, took a shit on the managers office, then went and found some big black ****** who acted all tough, kinda like kove and shoved his face in the shit on the desk. They would know hes a mean little white boy

 

[ughhibye 10+ year member]

but if he walked into the office, took a shit on the managers office, then went and found some big black ****** who acted all tough, kinda like kove and shoved his face in the shit on the desk. They would know hes a mean little white boy

or teabag his daughter while donkey punching his wife

 

[kovemaster559 5,000+ posts]

or teabag his daughter while donkey punching his wife

better idea, btw , teh Kove is tough like taking a dry shit