My husband keeps dipping into our PLC so it never gets paid down.  Plus, he upped our Visa limit without letting me know and it is now maxxed.  We don't get along well, close to separation, but I can't afford to leave him and be responsible for 1/2 of these debts.  The PLc was to be for emergencies only and the credit card limit used to be 3000.00 less.  What can I do?
130666
The first thing you must do is cancel that card! Cut it up, put it in the blender, flush it down the toilet, just make it go away! Make sure you let the credit card company know that you want to be taken off their mailing list. Trust me, two days after you cancel, you will be sent another card. \n\nAs for your PLC, the best thing to do is to sit down and explain that using that fund is not an acceptable means of daily living. It is set aside for certain things and day-to-day expenses are not one of them.
606461
You absolutely MUST pay it on time every month...and NOT max it out. You should try to auto-pay it out of your checking account, or through your bank, online bill pay. \n\nDon't apply for a bunch of credit cards now that you have one...pay this one on time for a while, and then ask them to up your limit. The more applications on your report, the lower your score. \n\nThe point about not maxing it out is also very important. If you get too close to your limit, it brings your score down. Try to pay it almost off...but not all the way. The credit card companies like it when you keep a very small balance. It's a racket, but you have to play it their way. Good luck! \n\nUse this motto..."if I can't afford to pay cash for it, then I really can't afford it." This will hopefully keep you from running up a credit balance. \n\nEveryone in the U.S. can check their credit score for free once every 12 months...I would recommend you spend the money though, and get your credit score too. \nhttps://www.annualcreditreport.com
490046
I just love all these "pay the bills" answers!  Come on guys!  Didn't you read the part where he said he was unable to pay them for years?  Don't you think he would pay them if he could?  Sheesh!\n\ndbuitt22 is on the right track.  \n\nIf you filed for bankruptcy, it will appear on your credit report for the next 10 years.  In your situation BK is not the answer.\n\nStart by reading the links below, so you understand what the Statute of Limitations is.  After a certain period of time, you no longer have a legal obligation to pay those debts.  Therefore, the only issue you have with those older debts is that they are on your credit report.  If you wait a couple years they will drop off automatically.\n\nIf the debts are recent (2-4 years) you could consider contacting them to negotiate a payment plan.  \n\nBut bankruptcy?  Not in your case.  Never file BK for debts under $20k.  \n\nContact me if you need more specific advice.  I am not a lawyer or credit counselor.  Just someone who likes to fight with creditors.
556400
split the difference, and say 3/4. It was their plans changing that caused you to be unable to go; she should realize this, and offer to take care of the deposit. But let this be a lesson to you; never charge something for anyone on your credit card! If she's so financially stable, (and I'm assuming you are not) then how come it didn't go on her card in the first place?
589998
Keep paying minimum payments on the CC then use everything else to go toward collections.  \n\nThen the credit card.\n\nYour credit isn't too good now, but this will help it from getting worse.
541584
If you're already at the limit of $300 on the card, paying the $21.21 wont do anything to the available balance because that will go towards interest only.  \n\nYou won't be able to have the limit of $300 until all $300 is paid in full.
610448
There is something called "Universal Default" that you need to be aware of.....If an individual screws up on one credit card and another credit card finds out, they can and will shoot up your interest rate in a flash.  It's not enough to protect the standing of just one credit card anymore.  \n\nUnless your business was created properly, via an LLC, you and your "married" assets are vulnerable.    You need an attorney for Chap11.
347352
This unfortunately is just life. Do not loan anyone money or housing or food or anything else that you can't afford to lose, because you will be disappointed this way. Next time you get into a deal like this, have the other party sign an agreement (at least you will have it in writing). That won't get you paid, but it will make it easier to pursue should you choose. You will find that it is best to avoid these situations entirely. \nNow, that said, you could send him a bill (do this on your computer - make it neat, and then print him a copy). Mail it to him and be specific what the charges are for (dates of the stay, etc). Give him a phone number to call to discuss it. Mail by registered mail requiring an acceptance signature. If he does not respond by phone, send another letter the next month (same rules). He may just get tired of it and pay up. If he doesn't pay up, you will have a little documentation to rest charges on. I don't know how much we are talking about here, but it may be better to just chalk it up to experience, and be smarter next time. I have had to do that a few times as lessons learned. Good luck with your problem - hey, at least you don't still have the moocher living with you.
161345
Somtimes talking to the bank will get them to quit charging you additional overdraft fees.  But, getting a loan or advance is probably the best option (if that is possible).  Next time, read some of the fine print before using any card then you won't be in this mess again.
211122
To avoid excess bank charges, you should go to a different bank.\n\nFor credit card finance charges, sometimes you can get them to reduce/remove the finance charges if you are a good customer and was just late for one payment or two.  Or you can call the customer support and say that you want to close the card.  Sometimes they'll ask you the reasons and try to accommodate your request.\n\nPay off your credit card balance every month.  It would be the best investment ever.  Then, you pick the credit card that gives you the best rewards not the least interest rate.
217655
sorry don't know an answer to this but I just wanted to say my heart goes out to you. I have a prem baby and I know how financially draining it can be. \nHas your wife tried appealing to this guys better nature by explaining the situation to him and asking if there is a compromise you could come to?
495003
Most people fail to hang on to the terms of their credit card agreements (think about it, did you make a copy when you applied for the card) did you read ALL the fine print? \n\nMost credit card companies have long stipulations on the payment terms for your credit card... especially if there is any type of incentive or introductory offer on the card (0% interest, etc).  \n\nPayment is due on the due date (in their office being processed) prior to a cut off time (in most cases 3pm same as the bank). \n\nCredit card companies bank (no pun intended) on you being late or screwing up, because they make a large amount of their monies on fees and punitive interest rates.   Some credit card companies also shift their PO Box addresses by 1 or 2 numbers so that the delay and forwarding will make you late, and they can theirfore charge your out the nose.\n\nI would try and argue the late fee, tell them that you made an effort to get it out in time and would like to get that removed... be prepared to offer something up, such as another payment in order to have the charge removed...\n\n\nalso $90 seems really high... that is a lot to be charged and may exceed what they are legally allowed to charge...
223510
Okay everyone makes mistakes and I myself made quite a few when I was younger..so now my credit is horrific. DO NOT GET A CREDIT CARD...you will be responsible for the balances and the interest rates are extremely high. I suggest go to a furniture store obtain a peice of furniture on credit and make the monthly payments. It takes time but believe me this is the absolute best way. If your husband already has ideas about a credit card and what he will do with it then that give you an idea of why he has bad credit. Be responsible...take your time and allow your credit to build by purchasing small priced items on a credit account. Also the more your credit is checked ..it lowers your credit rating! His credit does not necesarrially effect your credit because this was before you married...your name was not available on any of his account it will however effect any joint ventures such as applying for a house loan together.
110630
it's very hard to leave when your lives are kinda of one. you feel bad for leaving. since most of the stuff you share are in your name and you don't want to leave him with nothing. i understand how your feeling right now. i really do. in some ways I'm in the same boat.as i sit here 1in the morning have way to much on my mind to sleep.looking for people to help or dealing with a similar situation.if you feel you can sit down and really talk things over with him no fighting aloud.get all the bill that are in your name.close them or ask that he be taken off.set up a account so its not hard on you when you do get your own place and if i were you i would tell him to do the same. the best thing is try not to fight it will only bring more problems along the way.since both cars are in your name and one is paid off. see if he wants the other car he would take over the payments and get it put in his name just in case later down the road something happens your not responsible.i know its hard but you will work everything out and move on happy that you did. you ever need to talk e-mail me brooke_sittner@yahoo.com
384643
Ok, stop, think and breathe, and breathe again.\n\n1.  Call each credit card company and ask them for help....they have a vested interest in helping you.\n\n2.  Tell them you intend to pay each and every one of them.....ask again and again for the lowest interest rate possible, and for a good payment plan that works for you.\n\n3.  Ask each one for help to keep the payments low.\n\nYour statement is confusing because you discuss your husband....sounded like the problem, or your sister's situation.\n\n........Ask and you shall receive....and pray always!
456672
Because to them there is no such thing as 'your credit and his credit' until you're legally divorced. It's a joint account to them. If I were you, I'd call them and cancel the card, and any other card that he may have jointly with you. (Any card that you both signed for),\nTell them you want to cancel the joint accounts, or have your name removed it. I'd close them though, just to make sure no one at the company gets confused and expects you to pay for his stuff.\nYou may or may not want to tell them you two are separated. I'm not sure about that. \nJust try canceling the card first without telling them and see if they'll close it. If they won't, then tell them you're separated and not responsible for his debt. Then, get a lawyer quickly. I've seen a case not long ago where a man ran up $30,000 in debt in his wife's name and caused a big ugly scene.  She eventually won in court, but man, it was ugly!
90868
Typically, credit card companies will accept any amount you send them - it's money. However, unless you pay the minimum amount due, they will charge you late fees and interest and overlimit fees (if applicable) and cancel your card if they deem it necessary. The only way to help with this is to call the company and calmy explain your situation. They still may not work with you, but there is no way they'll work with you if you just ignore the situation.