Jess asked:


I was once a typical and stupid college freshman who was taken in by the credit card companies that were advertising all over campus. It got to a point where I had seven different credit cards that were all maxed out. I was able to eventually take care of some of them, but others I had either lost track of or just could not afford to pay at the time. Two of these past credit card debts are now over seven years old and are no longer on my credit report, but they have just recently sent me a collection notice. I cannot afford to pay these now, I just finished major repairs on a car that we ended up trading in and my mom cosigned a loan for a new car that I desperately needed. PLEASE HELP! Thank you so much.

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vemula b asked:


How do the credit card people calculate the interest amount (finance charge periodic rate) on the money we spend. Do all the credit card companies follow the same procedure?

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mommy’s princess due 8.8.09! asked:


I’m young with no credit and no checking account. I’ve been looking online and have only come across debit cards or credit cards that require a checking account. Where and how can I get a CREDIT CARD w/ no credit and no checking account?

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aidan_adore asked:


I am 3 months behind a credit card payment and they sent me a letter stating they were going to write it off as a bad debt. What does this mean? Do I have the payment still. I am confused as to what this entails.

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alilley07 asked:


I am only getting a credit card so that I can make small purchases and pay them off right away to build my credit. Please do not lecture me on how to use a credit card, I am already fully aware. I just want to know which credit cards have the lowest rates for an eighteen year old with no credit. Thanks in advance!
If you are just going to answer none’ don’t bother.

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