Credit Cards help?If you answer this you'll go to heaven or live happilly EVER AFTER?
152227
make sure you never charge mare than you can pay when the bill comes.  just because you have one, doesn't mean you have to use it.\n\nif you get in trouble slightly cut it up and send it back.  pay more than the minimum payment due.  if your minimum due is 30 send them 60.  the longer it takes to pay, the more you pay.  the higher interest the more you owe.\n\nie: if you spend $1000. and your minimum due is $30, if you pay them $100, they will put at least $10 onto your card for interest.  so instead of only owing 900. you now owe 910.  and they do this every month.\n\nso never buy more than you can pay in a month, or you will owe more than you bought.\n\nread the fine print\ngood luck
1001485
#1 No.\n#2 Dumb luck.\n\nQuick, while you are of sound mind, take a good hard look at the idea of god and see it for what it is. I say quick because who knows when the next lucky break will come your way and all will be hunkey dory with god again. Use the time you have wisely and perhaps yiou will break free of the superstition and see that "god helps those that helps themselves"  (meaning you help yourself, and god takes the credit)  Time to roll up the shirtsleeves and do god's work (help yourself that is.)
1042747
Call my friend Gary Coleman over at 800 Cash Call.  He'll put $10,000.00 in your checking account in less than 24 hours.  Payments???  About $200.00 a month.  Even you could afford that!  Make the call, get the cash.... tell the credit card people to take a hike, you have money!
298092
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.
579206
throw away your credit card.  get rid of things you dont need\n\n\nthank you come again
33893
I would personally stay away from any type of credit card with bad credit.  The credit card companies may qualify you but at a higher rate. The temptation may be there but the best plan of action is to either pay for the purchase up front.
36608
Please go to www.daveramsey.com - this plan of simple common sense can help you !!!\n\n\nFirst, Stop using your credit cards.\n\n \n\n“People change their lives only when they say, ‘I’ve had it!’” – Les Brown\n\n \n\nThink you can’t exist in the 21st century without credit?  Do you have at least one credit card?  Did you sign up just for the bonus miles or cash back?  Sounds like it’s time for you to perform a plasectomy.  (That’s what Dave calls cutting up your credit card.)  You’ve heard all the lies, now here are a few facts about credit.\n\n \n\nMyth: No on can live without credit cards.\n\nFact: Actually, 24% of American households are getting by just fine without any type of credit according to a Federal Reserve survey of consumer finances.  Try using your debit card or cash instead.  If millions of Americans can live without credit, so can you!\n\n \n\nMyth: Credit cards help me get airline miles, cash back and other discounts.\n\nFact: Yeah, credit cards also help you get into debt.  Consumer Reports say that only 25% of airline miles are ever redeemed – and credit card companies know it.  Earning a few airline miles is not worth thousands of dollars in debt.  \n\n \n\nMyth: I can just pay off the balance at the end of every month.\n\nFact: You’ll be in the minority.  According to CardWeb.com, only 40% of credit card users pay off their balance when they receive the bill.  Plus, overspending is inevitable when you use a credit card.  It’s just easier to swipe a piece of plastic than it is to flash the cash.\n\n \n\nMyth: “Ninety days same as cash” is the smart way to buy.\n\nFact: “Ninety days same as cash” is a scam.  Retailers know that most consumers won’t pay their balance in 90 days, which means you get stuck with outrageous interest rates and back charges to boot.\n\n \n\nMyth: I’m required to have a credit card to buy a house.\n\nFact: Several quality mortgage companies provide underwriting which allows you to purchase a home without a credit card.  If your mortgage lender requires a credit card for your home loan, run – don’t walk – to a lender who will actually help you achieve freedom from credit.
350111
i feel the same way.. i thought about joining one of those credit counselors but haven't decided yet.. i have heard good and bad about them.. i'm interested to see what you get for answers cause i could use some advice too.. good luck
418157
get a job,  a bank acct  and then they will let you have one.   (why would you get a credit card without a job?)
511361
Pray for a miracle.  There's no way to raise your credit score that much in that short a period of time.
360649
nope ..its perfectly legal and very lucrative.\n\nmake sure your heathens have total obedience.\nnothing is taken for granted.\nbe ready to meet your maker at any time.\nand always...always accept credit cards.
665541
God is everwhere you need to be.\n\nYes, I realize that VISA uses that as their tag line, but they stole it from god.  (think about it)  \n\n(I do hear that VISA will pay for it though...with interest.)
892174
Boy Oh Boy. Here is the perfect answer...\nDON'T get a credit card.\nIt is the number one American Financial Woe.\nALL the contracts include interest rates as high as 27% once you miss your first payment...AND THEY DON'T HAVE TO TELL YOU THAT IN THE CONTRACT. THEY ALL CAN CHANGE AT ANYTIME. They have the loopiest contracts. And they don't have the same credit controls as a bank.\n\nI don't have a credit card. I have a debit card. I spend money I have and I never go overboard. Every single one of my friends has had a major credit card problem. \n\nGet a credit card ONLY if you can make payments in a timely manner. Otherwise you'll get screwed.\n\nOh, BTW, I used VISA at an ATM in Central Africa so it is Everywhere you want to be\n\nMastercard was the former American Standard\n\nAmerican Express has no limit (DANGEROUS!!!)and is hard to get accepted everywhere.\n\nand Discover is the card that pays you back...sometimes.\n\nThey are great for emergencies, but often become bigger problems than the problems they solve.\n\nDEBIT CARD! Debit Card! DEBIT CARD!\nBut it offers less protection against theft.\nI leave most of my money in my savings and flip in over at an ATM before using it. This also helps me spend a lot less.\n\nGood luck, but you've been warned.\n\nThe Bible also prohibits money lending with interest, but who reads that anymore.
505664
Unfortunately, you must establish credit to purchase cars and homes, the needs of life.\nLook for a card that is low interest and does not have any extra charges. Have a couple of friends or relatives, who are knowledgeable on the subject go over application to ensure you are not getting ripped off. \nTHE GREATEST WISDOM TO HAVING A CREDIT CARD is not to over charge. You should put small purchases on card each month and PAY FOR ALL OF YOUR PURCHASES WHEN YOU PAY YOUR MONTHLY BILL. The way these people make money is to increase your spending limit until your limit is so high that you have to eat worms for five years in order to pay the card off. Pay all charges each month. If you find yourself spending more than you can pay each month, either give the card to a TRUSTWORTHY friend or relative that will not let you have the card or just tear the card up.
920160
don't end your precious life so easily, your family will feel sad, think of them. money is not everything in life. yes, without money we can do nothing. talk to the banks, tell them your situation, banks cant do anything if u have no money to repay, but at least, when u tell them your situation, they can help to work out a payment plan. banks just need u to continue payment although is over a period of time. they gain nothing if you declare bankrupt cos it is very "troublesome" for them too. dont worried sure there is a way out. ( from my experience, i accounted the same situation too.) i did not end my life cos i dont want to be a failure to my family, we have to care for our families' feeling if we commit suicide. just being curious, 1. how u  get hold of credit card with your monthly income 2. u gamble? so the debts is snow-balling ?
994343
Pay the minimum every month plus whatever else you can live without.  At the end of the month if you find youself with alittle extra don't blow it on seex toys throw it at your credit company.
150217
A debit card usually isn't a problem, this has to do with banks and they have their own system for checking good standing in the banking system. As long as you don't have a slew of bounced checks somewhere you should be allright. A credit card is harder. Lots of time you just have to wait a little while.Here's a good idea, some jewelry stores will offer credit to anyone. I did this and received three credit cards within a matter of weeks. I didn't have a bankruptcy,though, but I had really awful credit and I tried for three years to get a credit card.