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Credit Cards
2008.09.14 19:08 Credit Cards
A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered.
2021.09.18 20:06 illuminato8 Credit_Card_Referrals
Credit Cards Referral Links & Bonuses: Discover, Amex, Chase, Capital One. The easiest place to post your credit card referral links! Any credit card referrals are welcome!
2017.02.27 01:05 Buy Bitcoin with Credit Card
How to buy Bitcoin (BTC) with credit card. Post any methods you have.
2024.05.19 05:01 Ok-Preparation6344 Does my Unemployed bf take me for granted?
My bf has been unemployed for 9 months now and has been looking for jobs but to no avail. I have been supportive throughout and trying to be patient with him as he is going through it financially.
However, I cannot help but question if what he is saying he would do, he would actually do it. So we’ve been dating for 2 almost 3 years in a long distance relationship and within the timeline, I have requested for him to buy me some things (gift giving is my love language). Yet he always comes up with excuses that he has credit card bills or he needs to pay for that blah blah.
We book flights to see each other occasionally maybe 2/3 times a year. And he uses that as an excuse as well that he needs to pay for his flight so he can’t buy me anything and I should be patient and wait for the future.
This was all before he lost job last year. Now that he is unemployed, I understand that he cannot do these things anymore and I have been trying to be patient but still I am tired of the excuses. Based off his past reasonsings (credit card debts etc) I can’t help but feel like even if he gets employed and get to a stage where he feels he can afford things comfortably, he might not do the stuff I want him to.
Am I being unreasonable to think he is just stringing me along? Should I just leave and not waste time on potential?
I have discussed this issue with him and he reassures me that is not the case but actions speak louder than words.
What do I do?
submitted by Ok-Preparation6344 to LongDistance [link] [comments]
However, I cannot help but question if what he is saying he would do, he would actually do it. So we’ve been dating for 2 almost 3 years in a long distance relationship and within the timeline, I have requested for him to buy me some things (gift giving is my love language). Yet he always comes up with excuses that he has credit card bills or he needs to pay for that blah blah.
We book flights to see each other occasionally maybe 2/3 times a year. And he uses that as an excuse as well that he needs to pay for his flight so he can’t buy me anything and I should be patient and wait for the future.
This was all before he lost job last year. Now that he is unemployed, I understand that he cannot do these things anymore and I have been trying to be patient but still I am tired of the excuses. Based off his past reasonsings (credit card debts etc) I can’t help but feel like even if he gets employed and get to a stage where he feels he can afford things comfortably, he might not do the stuff I want him to.
Am I being unreasonable to think he is just stringing me along? Should I just leave and not waste time on potential?
I have discussed this issue with him and he reassures me that is not the case but actions speak louder than words.
What do I do?
2024.05.19 05:00 Monthemod AVOID GETTING SCAMMED
- Avoid paying through Cash App, Venmo, Western Union, or Bitcoin/Crypto unless you ABSOLUTELY trust your hired writer!
- Send payments through PayPal and select payments to be sent for "Goods And Services"
Some have mentioned that Venmo is backed by PayPal. While this may be true, their platform doesn't allow senders to protect their payments.
- Pay as you go!
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Many scammers may send you a payment invoice to your email. Usually the email is formatted in a way to look like a legit prompt from PayPal, Stripe, etc. This is done so that you click the fake email and enter personal or credit/debit card info that they can steal. Check the email to ensure it's coming from the correct site! - Do NOT reveal any personal information!
2024.05.19 05:00 TheLotStore 0 E. Hickory Street, Dermott, AR 71638
 | 0 E. Hickory Street, Dermott, AR 71638 submitted by TheLotStore to u/TheLotStore [link] [comments] Nice lot next to the car wash in Dermott, Arkansas. Ready for your new home or hold as an excellent future investment! Priced way below comparable sales in the area! Debit/Credit Cards Accepted No Closing Costs Cash Price: $1,750 Finance with $200 Down and 18 Payments of $110 Per MonthProperty Address: 0 E. Hickory Street, Dermott, AR 71638 (Map location is approximate) County: Chicot Assessor Parcel Number: 050-00083-001 Legal Description: NW1/4 NW1/4 (70X150') J-16-761 MAIN ST NOW EXISTS, THENCE RUN 86DEGREES 12 MIN, E ALONG THE N LINE OF SAID SEC 32, WHICH LINE IS IN THE S BOUNDARY OF HICKORY ST RIGHT-OF-WAY IN DERMOTT,AR, AND 25 FT FROM THE CENTER OF SAID HICKOR Y ST AS SAME NOW EXISTS, AND 190.26 FT T O A POINT; THENCE E ALONG S BOUNDARY OF HICKORY ST TO ITS INTERSECTION WITH THE MISSOURI PACIFIC RR RIGHT-OF-WAY, A DIST ANCE OF 737.74 FT.; THENCE S ALONG THE W BOUNDARY OF SAID RR RIGHT-OF-WAY A DIS TANCE 150 FT.; THENCE S 70 FT.; THENCE E 150 FT.; THENCE N 70 FT. BACK TO THE POB Zoning: Residential Annual Property Taxes: $12.41 View our amazing property deals at TheLotStore.Com. Additional Information: https://thelotstore.com/property/0-e-hickory-street-dermott-ar-71638/?feed_id=10881 |
2024.05.19 04:56 Sweet-Count2557 Locanda Verde Restaurant in New York City,NY,United States
 | Locanda Verde Restaurant in New York City,NY,United States submitted by Sweet-Count2557 to worldkidstravel [link] [comments] Locanda Verde: A Taste of Soul-Satisfying Italian Cuisine in TriBeCa, New York City, NY Price Level: $$$$ Locanda Verde is a TriBeCa neighborhood taverna serving Chef Andrew Carmellini's soul-satisfying urban Italian menu. Located in the heart of TriBeCa, Locanda Verde offers a unique dining experience for both locals and tourists alike. With its cozy and inviting atmosphere, this restaurant is the perfect place to indulge in delicious Italian cuisine.At Locanda Verde, you can expect to find a menu filled with a variety of mouthwatering dishes. From homemade pasta to wood-fired pizzas, Chef Andrew Carmellini's culinary creations are sure to satisfy your cravings. Whether you're in the mood for a hearty bowl of pasta or a flavorful pizza, Locanda Verde has something for everyone.Not only does Locanda Verde offer delectable food, but it also boasts an extensive wine list. With a selection of both local and international wines, you can find the perfect pairing for your meal. The knowledgeable staff is always on hand to help you choose the best wine to complement your dining experience.When you visit Locanda Verde, you'll be greeted with warm hospitality and exceptional service. The friendly staff is dedicated to ensuring that every guest has a memorable dining experience. Whether you're celebrating a special occasion or simply enjoying a night out, Locanda Verde is the ideal destination for a delicious meal.Experience the soul-satisfying flavors of Chef Andrew Carmellini's urban Italian menu at Locanda Verde. With its cozy ambiance, mouthwatering dishes, and exceptional service, this TriBeCa neighborhood taverna is a must-visit for any food lover. Cuisines of Locanda Verde in New York City,NY,United States Located in the heart of New York City, Locanda Verde Restaurant offers a delightful array of cuisines to cater to every palate. With a focus on American and Italian flavors, this charming eatery seamlessly blends the best of both worlds. Whether you're a meat lover or a vegetarian, Locanda Verde has something for everyone. Their extensive menu features a wide range of vegetarian-friendly options, ensuring that even non-meat eaters can indulge in a delectable dining experience. Additionally, the restaurant offers vegan and gluten-free options, making it a haven for those with dietary restrictions. From classic Italian pasta dishes to mouthwatering American comfort food, Locanda Verde Restaurant promises a memorable culinary journey that caters to all tastes and preferences. Features of Locanda Verde in New York City,NY,United States TakeoutOutdoor SeatingHighchairs AvailableReservationsPrivate DiningSeatingWheelchair AccessibleServes AlcoholFull BarAccepts American ExpressAccepts MastercardAccepts VisaFree WifiAccepts Credit CardsTable Service Menu of Locanda Verde in New York City,NY,United States Location of Locanda Verde in New York City,NY,United States Contact of Locanda Verde in New York City,NY,United States +1 212-925-3797 377 Greenwich St, New York City, NY 10013-2338 info@locandaverdenyc.com http://locandaverdenyc.com/ Tags |
2024.05.19 04:53 PooPooPutter So I had my dad take everything
Let me start this off by saying I am incredibly lucky. My parents have supported me through thick and thin (currently live with them atm) especially since we all went through the loss of my sister together. Since that Ive had a major drinking problem. A few days ago I came clean to my dad that I think I was at the point of me having a problem. He was very understanding and we agreed he’d take my keys and try to monitor me and make me quit. While, within a day I had a few drinks to try to ease off (he knew and expected it would happen) so we talked and I told him that I took the spare key and used a credit card and went to get some when he was gone. After a while of talking we decided hes gonna take my wallet, phone, and keys for a while as we get through it. So as I get through these next few days I was wondering if anyone had any good strategies to get through the first days, or anything I should have him do to help me through the first few days. Im trying to tackle this early and would very much appreciate any advice from anyone whos been through it
submitted by PooPooPutter to stopdrinking [link] [comments]
2024.05.19 04:50 Particular-Bid8069 Capital One product change
I have had capital one platinum secured card since 2020. Eventually I was able to get it to a platinum unsecured card and recently they increased my credit limit. This card has no cash back or points rewards. I would like to do a product change but they are saying there are not any offers right now. I don’t want to close the card because it is my oldest card. Any advice?
submitted by Particular-Bid8069 to CreditCards [link] [comments]
2024.05.19 04:46 mimikiners Alaska credit card
In September 2023 MBNA Mastercard (Canada) cut its ties with Alaska Airlines. No more automatic Alaska milage points earned or companion fare. We were told if we kept using the card we would be able to convert points earned to Alaska miles. Anyone have any idea when we will be able to do this? My understanding is this offer is good only for the first year after the restructuring.
submitted by mimikiners to AlaskaAirlines [link] [comments]
2024.05.19 04:45 Lady_Louise97 is a debt of 45k horrible for a 26yo?
I really messed up that last couple of years in terms of spending beyond my limits. I'm discouraged by the idea that I'll never get down to a tolerable amount of debt BUT lately I've been working hard to get ahead on my bills so that I can start doubling up on my payments.
I have about 2.4k worth of bills every month. And the amount of bills are bare minimum: Rent, utilities, car insurance, phone plan, Internet, and the rest is debt payments. I don't pay for any cable or tv subscriptions and I don't have health insurance or a 401k
My income, at most, is 3k a month. I'm self-employed, so it varies.
What remains of my debt: •Student loans ~10k (6% interest) •Credit card ~4.5k (28% interest) •Taxes owed to IRS ~2k (I have no idea what the interest rate is, to be honest) •Car loan ~23k (8% interest) •Bank loan ~6.3k (20% interest)
Feels like I'm drowning.
My credit score is fair (700) and according to Credit Karma, I pay off 6k of my debt every year. So at that rate I'm assuming it'll take me 8 years. If I double up, then 4 years. But I don't see how I could double up on them when I barely have the money for groceries and maintenance on my car. Anyone else in my shoes? This sucks!
submitted by Lady_Louise97 to Debt [link] [comments]
I have about 2.4k worth of bills every month. And the amount of bills are bare minimum: Rent, utilities, car insurance, phone plan, Internet, and the rest is debt payments. I don't pay for any cable or tv subscriptions and I don't have health insurance or a 401k
My income, at most, is 3k a month. I'm self-employed, so it varies.
What remains of my debt: •Student loans ~10k (6% interest) •Credit card ~4.5k (28% interest) •Taxes owed to IRS ~2k (I have no idea what the interest rate is, to be honest) •Car loan ~23k (8% interest) •Bank loan ~6.3k (20% interest)
Feels like I'm drowning.
My credit score is fair (700) and according to Credit Karma, I pay off 6k of my debt every year. So at that rate I'm assuming it'll take me 8 years. If I double up, then 4 years. But I don't see how I could double up on them when I barely have the money for groceries and maintenance on my car. Anyone else in my shoes? This sucks!
2024.05.19 04:44 dontwannasplit AITA because I don't want to split the electricity bill 50/50 with my boyfriend?
My boyfriend and I have been living together for 2 years. We rent a two bedroom apartment. We both travel a lot for work and there are some weeks where its just me and some weeks where its just him. When it comes to money, I am definitely more cautious. I budget my money and am careful with my purchases because I am trying to build up my savings to buy a house. My boyfriend is more relaxed with his money and doesn't think about budget or how much credit card debt he is in.
In the beginning of us living together, we were splitting the bills equally. But as months went by, I noticed a big fluctuation between months where I was home more and when he was home more. The bill was about $100-$150 higher when he was at home more. He typically will leave things on like the tv, lights, computer, etc. All day and night. When we are both home, I'm usually turning things off when he's not using them. So without me to turn them off, the bill racked up.
He also leaves the windows open while the AC or Heat is on. He says its because he likes the fresh air but doesnt want the apartment to get too hot/cold. I've told him many times that it racks up the electricity bill and could potentially break the system, leaving us with no AC or heat and probably having to pay to fix it. He then offered to pay the whole bill himself to end me nagging him about it.
Thats been our arrangement for the last year. Last December, I got a new job and am now working from home. He still leaves everything on and runs the AC with the windows open. A couple of weeks ago, he said he wanted to talk about the bills. He said that its not fair he still has to pay the whole electricty bill when I am home all the time.
I explained that we had data that proved that even when its just me, I still use half as much as him. I told him I would be happy to pay 70/30 but wouldn't do 50/50 because its not fair to me that he wants to be wasteful. He said I was being petty and that couples should split things 50/50. Am I being petty?
submitted by dontwannasplit to AmItheAsshole [link] [comments]
In the beginning of us living together, we were splitting the bills equally. But as months went by, I noticed a big fluctuation between months where I was home more and when he was home more. The bill was about $100-$150 higher when he was at home more. He typically will leave things on like the tv, lights, computer, etc. All day and night. When we are both home, I'm usually turning things off when he's not using them. So without me to turn them off, the bill racked up.
He also leaves the windows open while the AC or Heat is on. He says its because he likes the fresh air but doesnt want the apartment to get too hot/cold. I've told him many times that it racks up the electricity bill and could potentially break the system, leaving us with no AC or heat and probably having to pay to fix it. He then offered to pay the whole bill himself to end me nagging him about it.
Thats been our arrangement for the last year. Last December, I got a new job and am now working from home. He still leaves everything on and runs the AC with the windows open. A couple of weeks ago, he said he wanted to talk about the bills. He said that its not fair he still has to pay the whole electricty bill when I am home all the time.
I explained that we had data that proved that even when its just me, I still use half as much as him. I told him I would be happy to pay 70/30 but wouldn't do 50/50 because its not fair to me that he wants to be wasteful. He said I was being petty and that couples should split things 50/50. Am I being petty?
2024.05.19 04:42 The_TerribleGamer Negative Balance on closed CC account?
 | What is going to happen with my negative Balance on my closed credit card account? I got a refund after it closed and was paid off. submitted by The_TerribleGamer to M1Finance [link] [comments] |
2024.05.19 04:37 asdfghjKelsey paying for premium features is diabolical
 | submitted by asdfghjKelsey to BlackPeopleTwitter [link] [comments] |
2024.05.19 04:36 News-Flunky Judge blocks Biden administration rule capping credit card late fees at $8
 | submitted by News-Flunky to law [link] [comments] |
2024.05.19 04:34 translatableparade medical expense tracking win!
disclaimecw: this has to do with US health insurance and all that entails
I have a high-deductible plan, which means it covers 0% of my medical costs up to my deductible, then 90% of the remainder up to my out-of-pocket max, which all resets yearly. Some doctors and clinics will bill insurance first, then bill you for whatever isn’t covered, but many will charge you upfront for what they estimate it will be, and then (supposedly) refund you if it turns out they overcharged you.
Well, i have some conditions that basically mean I’ve hit my out-of-pocket max for the last few years and expect to continue to do so for the foreseeable future, so each year i save up the full amount for the next year by December and start January with a fully prefunded category (yes, this did involve some finagling when I first set it up). So this year, I hit May and find I’m now underfunded on my medical deductible category— obviously something somewhere is wrong.
Turned out, I hit my deductible in late January (reminder, this means we’re now in the 90% covered zone instead of the 0% covered zone). However, there were several appointments that charged me 100% upfront but then were covered at 90% by the time insurance processed them a month later, to the tune of around $400 😱. I’m sure you’ll all be shocked to hear that i had not yet been refunded any of that overpayment a few months later.
BUT! Because i had all of the transactions in YNAB and categorized, i was able to identify the precise dates of the appointments, know exactly what i had paid, grab the corresponding insurance documentation, and request and receive refunds of all of it (from two different practices) in less than a week! By far the most straightforward experience with health insurance shenanigans I’ve ever had (once had a single billing / insurance issue that literally took 4+months).
Anyway, if this had happened pre-YNAB I likely would not have even noticed, and if i had it’s even odds that I’d have managed to sort through insurance documentation, calendar events, and credit card statements enough to track down exactly what happened when.
🏆!
submitted by translatableparade to ynab [link] [comments]
I have a high-deductible plan, which means it covers 0% of my medical costs up to my deductible, then 90% of the remainder up to my out-of-pocket max, which all resets yearly. Some doctors and clinics will bill insurance first, then bill you for whatever isn’t covered, but many will charge you upfront for what they estimate it will be, and then (supposedly) refund you if it turns out they overcharged you.
Well, i have some conditions that basically mean I’ve hit my out-of-pocket max for the last few years and expect to continue to do so for the foreseeable future, so each year i save up the full amount for the next year by December and start January with a fully prefunded category (yes, this did involve some finagling when I first set it up). So this year, I hit May and find I’m now underfunded on my medical deductible category— obviously something somewhere is wrong.
Turned out, I hit my deductible in late January (reminder, this means we’re now in the 90% covered zone instead of the 0% covered zone). However, there were several appointments that charged me 100% upfront but then were covered at 90% by the time insurance processed them a month later, to the tune of around $400 😱. I’m sure you’ll all be shocked to hear that i had not yet been refunded any of that overpayment a few months later.
BUT! Because i had all of the transactions in YNAB and categorized, i was able to identify the precise dates of the appointments, know exactly what i had paid, grab the corresponding insurance documentation, and request and receive refunds of all of it (from two different practices) in less than a week! By far the most straightforward experience with health insurance shenanigans I’ve ever had (once had a single billing / insurance issue that literally took 4+months).
Anyway, if this had happened pre-YNAB I likely would not have even noticed, and if i had it’s even odds that I’d have managed to sort through insurance documentation, calendar events, and credit card statements enough to track down exactly what happened when.
🏆!
2024.05.19 04:30 justsittinhere__ Tip situation between coworker
Just to give some background, i work at a family-owned small business cafe. Each shift i work is usally me(only barista), the cook, & the owner. They thing is that the cook & the owner are best friends/family (so i want yall to imagine the emotional connection between them while being in a work environment.) Now during my shift, i have to split 50% of my credit card tips with my coworker(who is the cook & best friend.)
Now if my coworker is having an off/bad day or family emergency, she gets to leave whenever she wants. Either leave for the whole day or a few hours. But all the tips i earn during the hour she was gone, i STILL have to split when her shift ends, or my shift ends. Same with when the owners tells her to go to the store to stock up on supplies, i still have to split my tip during the time she was gone. I just dont know if im dealing with an unfair tip situation bcuz the cook is the owners friend. Or if im just overthinking this & this is a norm for tip splits in cafes
submitted by justsittinhere__ to barista [link] [comments]
Now if my coworker is having an off/bad day or family emergency, she gets to leave whenever she wants. Either leave for the whole day or a few hours. But all the tips i earn during the hour she was gone, i STILL have to split when her shift ends, or my shift ends. Same with when the owners tells her to go to the store to stock up on supplies, i still have to split my tip during the time she was gone. I just dont know if im dealing with an unfair tip situation bcuz the cook is the owners friend. Or if im just overthinking this & this is a norm for tip splits in cafes
2024.05.19 04:27 ChangeQuick Joint Cash Accounts - Cannot spend?
Excited about all the talk of joint accounts, I decided to create one for me and my partner and…
There are no cards, virtual or physical. So “joint cash” accounts you cannot actually spend any money from. It is only savings.
This is unlike any other joint chequing or prepaid credit account I have seen (banks, Koho, etc.). This isn’t even the same as the personal WS Cash accounts. Am I missing something?
submitted by ChangeQuick to Wealthsimple [link] [comments]
There are no cards, virtual or physical. So “joint cash” accounts you cannot actually spend any money from. It is only savings.
This is unlike any other joint chequing or prepaid credit account I have seen (banks, Koho, etc.). This isn’t even the same as the personal WS Cash accounts. Am I missing something?
2024.05.19 04:27 littlezappa Sign up for KOHO, make your first purchase and we’ll both get $20! (Canada)
You can use your virtual card with Apple pay or Android pay that the app gives you or wait until your physical card comes in. Must be done within 30 days.
You must make a purchase of $20 or more to get your free $20.
Get cashback on purchases. Credit building options and roundups which rounds up your change to nearest dolar and puts it in a savings account! Amazing features!
Download the KOHO app https://web.koho.ca/referral/KOHOBONUS Or use code on sign up: KOHOBONUS
submitted by littlezappa to referralcodes [link] [comments]
You must make a purchase of $20 or more to get your free $20.
Get cashback on purchases. Credit building options and roundups which rounds up your change to nearest dolar and puts it in a savings account! Amazing features!
Download the KOHO app https://web.koho.ca/referral/KOHOBONUS Or use code on sign up: KOHOBONUS
2024.05.19 04:23 mikewhoneedsabike RIP to the EasyPayXpress program. Cards stopped automatically replenishing yesterday. They sent a free OMNY card in the mail to subscribers.
 | submitted by mikewhoneedsabike to nycrail [link] [comments] |
2024.05.19 04:20 1d0wn5up How does return policy work on major appliances with both Home Depot & Lowe’s? Who’s better to buy from
 | I’ve read there websites and getting lots of mixed answers. I understand for the most part you have 48hrs to make a return. What I don’t understand is can that return only be made if there is a defect , damage etc or can you also make a return within those 48hrs with an appliance that has never been opened or used? submitted by 1d0wn5up to Appliances [link] [comments] I’m planning on spending upwards of $10k on many items and don’t think I’ll have any issues or need to swap things out but it’s still nice to know you have that option for peace of mind if I wanted to swap something out or make a return for any reason. I’ve heard Lowe’s is better than Home Depot where basically HD has no return policy except for damage within 48hrs. On Lowe’s website it doesn’t say that it HAS to be damaged. I also read that it says you have 30 days on UNOPENED appliances but have got all different answers if that’s true… If you order the item online for home delivery / or have the item delivered to store for pickup can you return that item instore yourself or does it have to be picked up? I feel like this shouldn’t be so hard to find out but I’ve dug and done as much reading as possible and all I get is mixed answers depending on who I talk to. Just want to see what the consensus is on here. |
2024.05.19 04:19 Little-Beyond5568 If (when) we succeed, after the dust settles, what are you going to do with your profits?
Paying off my credit card, student loans, and probably buying 2b worth of OSRS bonds
submitted by Little-Beyond5568 to FFIE [link] [comments]
2024.05.19 04:18 ConversationRight643 I feel like I can’t enjoy my life
I paid off 15k of credit card debt the past 8 months and only have 4k of it left. I am building up my savings while paying off debt but still feel so behind at 25. I just feel like I can’t enjoy anything or be happy regardless of how much debt is left (4k feels like so much. Did you feel relief when your debt was totally gone? How did you find a balance? (Also yes I’m in therapy lol)
submitted by ConversationRight643 to debtfree [link] [comments]
2024.05.19 04:18 yeahchristhing Great Canadian Rebates Referral ! Cashback for Shopping. Get cash back and a $3 sign up bonus
Great Canadian Rebates is extremely easy to use. To get started, register by following the link below, shop as you currently do and your rebates will be automatically credited to your Cash Back Rebate account. Great Canadian Rebates also has many great coupons, free shipping specials,and sales directly from the stores.
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submitted by yeahchristhing to CanadaReferralCodes [link] [comments]
You can use PayPal, redeem e-Gift cards, or direct deposit.
You can also get a $3 sign up bonus.
If interested, you can get started with the links below.
Link to Sign Up Page : https://www.greatcanadianrebates.ca/registe155744/
Link to Home Page : https://www.greatcanadianrebates.ca/register.php?r=155744&p=homepage
2024.05.19 04:17 Low-Restaurant-3979 Charge-offs. Please help!!!
First off let me start by saying I know.. I know..
I just started building my credit a few yrs back (Apple 5k CL / Discover 2k CL).
I had pregnancy complications and had stopped working from that point up until a few weeks ago. I used the cards to pay for necessities for my kids and myself and maxed out both cards currently sitting at charged off accounts for both Apple @ 5183 & Discover @ 2417 which were both charged off as of last month.
Apple does not sell to collections and handles it themselves however my discover has been sold to a collection agency who has recently sent me a letter in the mail.
I get paid this coming Friday and have a few questions for you guys..
submitted by Low-Restaurant-3979 to personalfinance [link] [comments]
I just started building my credit a few yrs back (Apple 5k CL / Discover 2k CL).
I had pregnancy complications and had stopped working from that point up until a few weeks ago. I used the cards to pay for necessities for my kids and myself and maxed out both cards currently sitting at charged off accounts for both Apple @ 5183 & Discover @ 2417 which were both charged off as of last month.
Apple does not sell to collections and handles it themselves however my discover has been sold to a collection agency who has recently sent me a letter in the mail.
I get paid this coming Friday and have a few questions for you guys..
- How do I negotiate a charge off and what is usually the % they settle on?
- If I ask for a pay for deletion is that usually another fee I pay to have that done or is that just off the terms of paying the balance agreed upon and do I ask them for a letter in writing before agreeing to payment or how do I make sure this is solidified when speaking over the phone?
- How long after charge offs are paid can I apply for a secured credit or banking account? (Currently have chime looking to get navy fed account)