help me...my mom will kill me if i keep on shopping with my credit cards more that its limit.
124022
Cut the credit card into two pieces. Throw one of them in the kitchen trash; throw the other one in a Dumpster on the other side of town.\n\nOf course, if your mother kills you, it won't matter if you went over your limit, especially if you have credit life insurance.
335239
I got one as my first card to build credit.  I think the limit was something low like 300 or 500.  It's not worth the bother of trying to increase it because they'll barely do it.  They're helpful with college students and such with little or not credit if you have to parents back the card.\n\nThen, I moved on to the more conventional Visa/Mastercard companies, such as the big banks.\n\nI'm not sure they would be that much different than the large banks if you have a high income, but I haven't tried.
243779
The safest thing to do is contact them ASAP and make a payment that will bring you below your limit.  Many things happen when they calculate your statement at month end, they assess extra fees and penalties, they adjust your limits and they re-categorize your risk profile.  All these thing can have an effect on what your cost will be, so don't wait. \n\nWhen you call them take the opportunity to ask for a credit increase if you are going to hit your max periodically.  \n\nNever forget that in the hands of undisciplined users --CREDIT CARDS ARE PURE EVIL.  DO NOT LIVE BEYOND YOUR MEANS.\nYour choices now will have an effect on your credit needs in the future (like buying a home.)\n\nGood Luck ~The Renegade Banker
462321
Tell her to go to rent a center they let you do payments. It also goes torwds ur credit. Going to a store that lets you make payments like Aarons, rentway, rent a center stores like this everytime you make a payment on time it goes towrds good credit this is the eisest way. Or you can go to a banck open accont and apply for a secure credit card with ur back that will all so help. Really just look aronund there is all sorts a ways. I established credit with rent a center my friend a credit card threw his back we were both 18 at the time now neither one of us has a problem getting anything im buying my own house in january. Im only 21!
467618
$600 of clothes from Hollister is too much, in my opinion.  a sweet gesture would be to get her a shirt or an outfit from Hollister that she really liked... a $600 shopping spree would be her taking advantage of you.\n\nif you want to let her down gently, just say that you want to save the money to do a lot of special things with her, instead of just spending it all at once.  or if it's heading this way: you could tell her that you're saving up for something really special for her (like a ring or a trip).  but don't use that excuse if you're not really saving up for something special for her.\n\nor if you don't want to sugar coat things, tell her that $600 worth of Hollister clothes is a bit excessive to ask of you and that she can get a job where she can pay for it herself.  if she's making you feel bad about it... ask her if she wants you to struggle with paying your bills.\n\nthis sort of demand makes her sound like a manipulative gold-digger...
207078
Yes I do. First thing is take your credit card and hide it somewhere that you would have to break something you like open in order to get access to it. For example, your makeup compact that costs a lot. Hide your credit card in there and make sure the only way you can get it is if you break your compact open. This way everytime you are tempted to spend, you wont want to because you wont want to break your compact. Also when food shopping get coupons and look for bigger packages with speacial deals. A few penny's here and there makes a huge difference. Lastly, every paycheck you get set aside $50, even when you owe bills. This will help you out in the long run and remember only get what you need because what you dont have you dont need at all.
133367
once you are 18 no-one will be able to tell you what to do, so maybe you should just live with your parents until then, after all it will beat paying the bills by yourself, also your mom may be trying to save you from making the same mistakes that she did, thats why she doesn't want you doing the same stuff that she did when she was young.
371925
$4000 isnt that much....Care One Credit Counseling. and cut up your cards!
440733
tell them to get you gift cards so when you figure out what you want you can go and buy it yourself.
322223
Try looking on craigs list for people who need help moving or getting rid of stuff. Sell things on ebay. Call your credit card company and try to get them to lower your rates.
12170
maybe i fit catagory?-i had too many credit cards, about 30. too many bills to pay not enough sufficient funds to cover losses. after bankrupt effect, i now have only 3 credit cards-mastercard, visa and dept store card. and with willpower, i control how much i spend and save.it is like gambling, u want more out of it, u crave it badly till you're in debt. then u regret your mistakes
462122
You can try paying off the best one you have and just pay the minimum on the others until you do.\nOne I did, was just overcharge the limit, and then keep it paid. They just up my limit to my new self-induced limit, nothing said. ;-)
446461
here is my advice to you and it's true,keep your credit card open for a long time ,don't close it.this will be good for your credit history and make sure you only use 50% of your credit.example you have a credit limit of $1000 only use $500 and don't go over that.this will dramatically increase your credit score.
41453
go thru your room and pick out everything you won't use, won't play with, have grown out of or just would not wear for that matter. Talk to your parent(s) and tell them you'd like to find a resale store where you could take your things to sell. The people at the store will get to keep a little of the money but hey its easy and you'll not only be helping yourself by selling and making money but you'll also help people who can't afford to go out and by brand new things.
81128
Absolutely close or cancel any un needed cards. If not for security reasons alone. Banks look at how much credit you have"open" and available to you. They compare this to your income to get a ratio. A debt to Load ratio. So if you have 5 cards out. that's realistically 3 too many.You need to keep a "balance" between having some credit cards and too much debt. You need a few cards open and active to satisfy the companies that you are worthy of more credit but not too much to have them think that their acct is the one that you will default on.
161560
First before you sell anything cut those credit cards up and stop using them now. That is how so many people get into debit in the first place, if you don't have the money to pay for it than you really don't need it right?? Second you are thinking of these rings and stuff as objects, which they are but do they not hold memories of the times that you and your husband spent together, the reason that the ring was given. It maybe just jewelry, but look past and see what they really mean. Try before that to get help with your debit, call and see if you can consolidate your bills, they now have debit councilors to help people like yourself, but remember get rid of those cards and that will start you on the right road. Good Luck and please don't do it behind your husbands back that could hurt more than your credit, it could hurt your marriage. Talk to him if that is the way that you think that you need to go.
252449
You need someone to take your check from you and give you allowance for you to spend on whatever. Yes a shrink could help but you get pleasure out of getting new things and that might not go away. I think you need to tell yourself if you spend alot of money on whatever do you ever actually use, wear, or need those items you bought?