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Forum: Credit Cards 07-11-2010, 06:25 PM
Replies: 8
Views: 6,186
Posted By samruba
what is the best way to pay off credit card...

what is the best way to pay off credit card bills?- diy? well, how much do you owe, and what is the status of your account?
Forum: Credit Cards 07-08-2010, 05:28 PM
Replies: 4
Views: 3,669
Posted By samruba
Credit card debt does not go away on its own just...

Credit card debt does not go away on its own just like that. Simply ignoring it would actually lead you to more trouble--you will have to pay interest charges and late fees on top of the loan balance...
Forum: ChargeBack & Refunds 07-04-2010, 05:29 PM
Replies: 1
Views: 8,467
Posted By samruba
consolidation for credit cards comes two ways -...

consolidation for credit cards comes two ways - depending on your debt amount and account status. You must have heard of debt relief programs called Credit Counseling and Debt Settlement. The two...
Forum: Credit Cards 07-01-2010, 07:36 PM
Replies: 5
Views: 4,961
Posted By samruba
Credit card debt does not go away on its own just...

Credit card debt does not go away on its own just like that. Simply ignoring it would actually lead you to more trouble--you will have to pay interest charges and late fees on top of the loan balance...
Forum: Credit Cards 06-28-2010, 09:42 PM
Replies: 2
Views: 2,760
Posted By samruba
Since your discharge was so recent, your credit...

Since your discharge was so recent, your credit report would be in bad shape, and since you have been ill too, is it right to presume that you haven't yet taken any step to repair your credit yet?And...
Forum: ChargeBack & Refunds 06-21-2010, 09:52 PM
Replies: 2
Views: 9,140
Posted By samruba
how to negotiate settlements with credit card...

how to negotiate settlements with credit card companies?- this can be done via the professional debt negotiators route (debt settlement company) or the-do-it-yourself way. Just make sure that your...
Forum: Fraud Detection & Prevention 06-20-2010, 07:51 PM
Replies: 20
Views: 27,498
Posted By samruba
Fraud Detection Software from Apex Analytix can...

Fraud Detection Software from Apex Analytix can provide validation to manage your compliance risk.
Forum: Credit Cards 06-20-2010, 07:46 PM
Replies: 11
Views: 6,922
Posted By samruba
How to pay off Capital One - if your account is...

How to pay off Capital One - if your account is still with them, they might not settle, as with other original creditors. But if you have 75% of your balance ready to offer them, they might accept...
Forum: Credit Cards 06-19-2010, 02:27 PM
Replies: 8
Views: 4,612
Posted By samruba
Of course they're going to call you - unless...

Of course they're going to call you - unless you've changed addresses and numbers? In fact-your creditors, upon missing just a month's payment would call you. Anyway- how much is itthat you owe in...
Forum: Credit Card Fraud 06-17-2010, 11:43 AM
Replies: 1
Views: 4,161
Posted By samruba
Good thing that you caught it. The problem with...

Good thing that you caught it. The problem with debit cards is just that. When there is fraud, you will eventually get the money back, but until then, it is gone from your account. With a credit...
Forum: Credit Cards 06-15-2010, 10:07 PM
Replies: 12
Views: 8,836
Posted By samruba
I believe both of those things are true. 1....

I believe both of those things are true.

1. Forgiven debt can count as income. They lent you money and you aren't repaying it. Therefore, you got to keep the money...
Forum: Credit Cards 06-13-2010, 06:35 PM
Replies: 10
Views: 6,457
Posted By samruba
"Don't open another loan or credit card. Don't...

"Don't open another loan or credit card. Don't close any cards. Make all your payments on time.

Of course, that said, there is really little difference between a 750 and a 800 credit score. 800...
Forum: Credit Cards 06-13-2010, 06:33 PM
Replies: 2
Views: 2,902
Posted By samruba
"So you have an $8,000 balance on Card A at 14%. ...

"So you have an $8,000 balance on Card A at 14%.
You are going to use the Citi card to pay off $6,000 of the $8,000 and that will be at 0% until March 2011.

Is that correct? If so, I would also...
Forum: Credit Cards 06-13-2010, 06:31 PM
Replies: 7
Views: 4,698
Posted By samruba
I'm a little confused. What is the credit limit...

I'm a little confused. What is the credit limit on the Citi card? Is it enough to transfer the entire $8,000 balance? I'm not clear on where this "extra cash" option comes into play.

Here you can...
Forum: Credit Cards 06-08-2010, 11:48 AM
Replies: 3
Views: 3,274
Posted By samruba
Try for a regular credit card first as they do...

Try for a regular credit card first as they do not have all of the fees associated with prepaid credit cards. It sounds like your wife has no credit, not bad credit and should still be able to at...
Forum: Credit Cards 06-06-2010, 06:39 PM
Replies: 2
Views: 2,633
Posted By samruba
I don't know if I would consider putting all...

I don't know if I would consider putting all $4,500 into one card, but I would start with the card that is costing you the most in fees and interest

Quickly Eliminate Debt And Save Thousands with...
Forum: Credit Cards 06-03-2010, 11:05 PM
Replies: 16
Views: 10,370
Posted By samruba
If your card is lost or stolen, you should...

If your card is lost or stolen, you should immediately report this to Bank of America and notify all of the participating merchants with whom you've set up automatic bill payments. Once Bank of...
Forum: Credit Cards 06-01-2010, 11:54 PM
Replies: 2
Views: 2,598
Posted By samruba
My credit union just started offering a rewards...

My credit union just started offering a rewards credit card for everyday spending, where you get x% back (I'm not sure of the exact figure). I seriously considered it because I do keep track of my...
Forum: Credit Cards 05-31-2010, 09:35 PM
Replies: 11
Views: 5,285
Posted By samruba
You would need to weight the following 1)...

You would need to weight the following

1) interest on debt paid right now
2) interest on debt paid until loan is paid off
3) any changes to above if loan terms change
4) cash flow you have...
Forum: Credit Card Fraud 05-29-2010, 08:30 PM
Replies: 10
Views: 15,366
Posted By samruba
Probably the two I'd keep too. MBNA cards have a...

Probably the two I'd keep too. MBNA cards have a history of repeat offers, and if you apply for any other MBNA card in the future, you can transfer your limit across from the Virgin card.

My new...
Forum: General Payment Processing 05-28-2010, 09:44 PM
Replies: 2
Views: 2,425
Posted By samruba
Just get all the necessary forms and books from...

Just get all the necessary forms and books from the library. Fill in all the blanks and become sure of what each item means and that you are accurate. Then you have confidence going into it. Don't...
Forum: Credit Cards 05-27-2010, 11:16 AM
Replies: 13
Views: 6,941
Posted By samruba
It has to be a debit card and not an ATM card....

It has to be a debit card and not an ATM card. The difference is debit cards have a Visa or Master Card logo on them. If it has this, you can use it as a credit card and do not have to use your PIN....
Forum: Credit Cards 05-26-2010, 11:43 AM
Replies: 0
Views: 2,124
Posted By samruba
Pre paid credit card for withdrawing cash abroad?

Just lately all I seem to do is raid this site for help! Once again I am hoping someone can point me in the right direction. Our daughter is thinking of going to Africa on a voluntary gap year and...
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