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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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