Jump to content

CreditQQQ

Members
  • Content Count

    124
  • Joined

  • Last visited

  1. Doubt there will be any interest. 6 months at 0% is usually the worst citi offers.
  2. The CSR lied to you. They are HIGH pressures sales people when it comes to balance transfers. (they need a certain amount or they get fired) Almost as bad as car sales. Sounds like someone wasn't making the quota and he told you a balance transfer check was the only way to get it done. I once had one of them flat out lie to me - told me if I signed up for credit protector it would be free forever.
  3. Your friend must sign it and write "pay to the order of YOUR NAME". You can endorse a check for someone as well but ONLY if they give you permission to do so.
  4. 1. You have no report at all. This means low credit lines (most lenders don't want to take a risk on someone with no history) and not horrible, but not great terms. 2. Actually the simplest way is probably to get a charge card at some department/retail store. But if you are a student Citi seems to be pretty good about approving students with no history for student cards. 3. You probably won't have credit that makes lenders happy for 2 years. (most banks around here will not give car, personal, etc loans until you have 2 years of revolving credit history) 4. This depends on more variables than you have provided. Simpliest way to build you credit is to do this: 1. Apply for a card that's easy to get. Department/retail or perhaps Citi student cards. 2. Wait 6 months after getting that card. Make sure you make absolutely no mistakes. No late payments or anything like that. 3. At six months have it paid in full and then apply for two more revolving cards. 4. Then just wait 1-2 years for those cards to build history. You'll then have good credit history.
  5. Already done several times yet still get called.... <{POST_SNAPBACK}> Do you have a Citi card??? <{POST_SNAPBACK}> Yes.
  6. Already done several times yet still get called....
  7. Came across this... Thought it was interesting. "Two lawsuits, filed in New York and Pennsylvania, have claimed that eight banks plus American Express came together to agree a fee structure for Americans using their credit cards abroad - and terms and conditions that restrict customers' rights. The eight banks - Bank of America, Capital One, JP Morgan, Citigroup, Morgan Stanley, HBSC, MBNA and Providian - are said to have agreed with American Express on minimum fees for currency conversion into US dollars for Americans abroad. They are also said to have harmonised the terms and conditions on their credit cards to include a clause that forces any customer with a dispute to go to arbitration, so giving away their rights to sue the credit card issuer." http://news.independent.co.uk/business/new...ticle310082.ece
  8. Does anyone know how to get off the citi telemarketing lists? (particularly the credit protector calls)
  9. Just called and asked about this. Was told there was no fee to add/take money. I believe when they say "transfer in/out" they are talking about wire transfers to other banks bank accounts.
  10. Those fees alone would eliminate any gain at all from interest unless you were dumping HUGE sums of money in to the account....
  11. I COULD be wrong about this - but I believe Paypals 3.5% comes from a mutual fund... In other words it goes up and down and you could potentially lose your money....
  12. Are there any alternatives to ING with a similar regular savings rate, but offer some kind of ATM card? Sounds like a good savings option, but I'd rather not have to wait days for my money if I need it quickly.
  13. I just read an article that stated just recently americans spent more money in a months time than they actually made. (and that the last time that happened was over 40 years ago) I've also been reading more and more articles which indicate that people are buying more and more on credit. It concerns me to know that so much is on loan to people right now. It sounds like a few big job losses or other bad situations (thus causing all those people to default on loans) could have pretty negative economic effects. I've also read other aticles that concern me, but I don't want to write a huge post. Basic question is - would it be a good idea to convert say 50% of my money to euros "just in case"? I don't see the dollar losing a ton of value anytime soon, but again the high debt, low wages, rising fuel costs, all the job losses from this hurricane, etc make me concerned.
  14. Yes, it is a mistake. Just the fact that stock is fluctuating 500% in a short time span should clue you in that it was a HIGHLY unstable stock and thus high risk. It sounds to me that you wanted to get rich quick on a junk stock and lost. Trying to get out of your obligation to pay with "well were WERE going to sell it when it wasn't so bad" doesn't compute. EVERYONE in the stock market intends to sell before a stock crashes. Yet everyone must still pay. They are fully aware of that risk.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines