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How to Punish Your
Credit Card Bank
Has your credit-card bank
ever made you angry? I mean really infuriated to the point where you just want a little
revenge for how you were treated?
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Equity Used For Down Payment
My husband and I
want to buy a home being built in a new development.
Our present home worth $260,000 has no mortgage except
a $30,000 home equity loan. We need about $15,000 down
payment for the home being built. Should we open a
home-equity line of credit to pay the down payment? If
not, where is the best place to get the $15,000?
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No
Money when Bills Arrive
Scott,
I get paid twice a month. My first paycheck pays the mortgage and
the 2nd pays the rest of my bills. The problem is that I get paid on
the 1st and 15th. A lot of my debt is due between the 1st and the
15th. I have no choice but to pay late. Will my creditors change my
due date if I ask them to, if not, what else would you suggest?
Kay
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Student
and Credit Cards
Scott,
I'm so lost! I'm about to obtain my first credit card, and I do not
know where to start or even how many to take out. What deal is the
best? Do I look at the APR or the nice rewards they have? I'm just
trying to establish a good credit history, because I am aware that
you need one if you want to eventually buy a house/car. Thanks so
much for your help. Meri
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My
spouse doesn't agree!
Scott,
I have debts that have different interest rates: 9 percent, 10
percent, 28 percent and 29 percent. I want to consolidate my debt at
16 percent interest rate. But my spouse doesn't agree! William
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Cutting
Up Credit Cards
Hello,My
wife and I have a lot of credit cards. WE would like to cut them up
so we don't use them. Should we notify the company's first to cancel
them? We are having trouble paying them. Thanks for your help.
Richie
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Second
Mortgage Rate and APR
Scott,
Why is it a different price for the
quoted loan interest rate, my mortgage company Quicken Loans, quoted
me 6.55 on a second. Then when I get the papers to sign, the APR
fair credit paper states 7.1 for the interest rate. Is the mortgage
company trying to be dishonest and not really give me the rate
quoted? I don't understand; please help me. Thank you! Pam
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Excerpt
from Talk Your Way Out of Credit Card Debt
Everyone wants to get out of
debt, but few are willing to do the work it takes to make this goal
a reality. As it turns out, looking into all your credit options is
going to be one of the best paying jobs you'll ever have. That's
because the money you save more than compensates you for...
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Equity
Issues
Scott,
Problem is, our 2nd mortgage is a LOC
and the APR is drowning us! We want to pay off the LOC and our
credit card debt and have some cash to invest in renovations.
We are a single income family and as far
as debt to income ratio is concerned, we're not looking so good.
What to do? Alison
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Applying
for credit cards
Scott,
How often can you apply for credit cards? Does it look bad on your
credit report if you apply for many credit cards? My husband and I
have 5 credit cards. Our credit rating is good, so most of our
interest on our cards are between 5 and 7%. We owe $19,000 and I am
currently emptying one of our cards so that we can transfer the
entire $19,000 using their 2.99% life-of-the balance rate. Thanks to
your many tips in your newsletter! Maria
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