Is there a credit limit on Sinning....late or hidden  fees maybe??
341720
ethics...$1 pound\nscruples...10 cents each
294463
via satelite link up to the credit company.  that's why those machines take much longer to complete the transaction than in a normal store.  Also...if you pay attn to the machine, you'll see a small antennae on it.
400564
Everything that you buy on credit or when to open the account you need to provide your social security number to do a credit check (not only credit card but even the utility bills or cell phone)gets reported to the credit bureau. If you have a report against you that means they reported a late (over 30 days) payment. I know that you do not like to hear this but if you have a late payment over 30 days, that gets reported and affects your credit score. If you only have one payment over 30 days it's not that bad though. Your credit score number gets lowered and the lower the number the higher the interest rate when you apply for credit in the future and if you have missed payments with a pattern of late (30 days or worst, 60 days) payments you might not be able to obtain jobs in certain fields or rent an apartment not to mention obtaining credit... Advice is be as conservative as you can from now on. It is not relevant to pay more than the minimum required amount on a credit card or other loan, so do not think that this help in any way. What is important is to send the payments religiously before the due date ( mail it at least 5 days in advance) or pay by phone or Inet and if it happens that you passed the due date, as long as it is before they issue a new statement, and is under 30 days, pay it even though with penalties. Hope this explanation helps you.
1076838
Pretty soon you will start getting offers from credit card companies (Householdbank, Orchard, First Premiere) and although they start you at a tiny $250 limit, it is a way to start re-establishing credit.  Just charge something small and make payments.  I know it looks like there is no hope, but there is.  Also, order a copy of your credit report and see what is on there.  Try and challenge anything.  Sometimes the credit agencies are so lazy they won't verify anything.  Is your BK dismissed?  Sometimes if it is dismissed, you can have it removed.  I just got mine removed from Experian.  Good luck.
907187
My credit limit is $300..I don't think they ever turn anybody down since they guarantee you even if you have bad credit..Interest rate is high...DON'T miss a payment or go over the limit.. Depending on your income, you may get more or less than 300.00.. I went online, set up my account and set the payments up to come out of my account and then I know that my payments are always on time (wonderful thing).. They will (though you have to set that up) send you e-mail reminders to pay your bill and receipts for your payment
401925
The first answer is closest to correct. I am not sure were this "time limit" came from. As long as you work for this company and you have given them permission to directly depostit funds they also have the right to ertrieve funds mistakenly deposited. They also can take it from your next check and this is probably the method they would actually take as it is the easist. However, if they can show they mistakenly deposited funds you did not deserve and you then quit working for them they can take you to court, place a bad rating on your credit by gaining a judgement, and/or file criminal charges for theft or embezzlement. Especially if you work in an office postition which would enable you to access the computers. They could claim they did not make a mistake that YOU did this on your own or with the assistance of somebody else in the office.\n\nIn any regards it is morally and ethically wrong to take something you know is not yours. That is stealing. I suggest you take the first answerer suggestion. Take the inititive and demonstrate a code of conduct in which you are honorable, ethical and responsible. Even if you are not by bringing this to their attention you are giving the impression you are those things. I would hope you would do the right thing just because it is the right thing and not becuase you were forced, but hey it is your life and you are the one who has to live with your behavior.\n\nGood luck in this moral delemma, and I wish you all the best. Sometimes we learn by the mistakes we make and we become better for it.
908651
It sounds fishy.   If you have that much money to give to someone else,  just pay off your own debt and that will help you too.  I know when I opened to much credit too fast, it hurt my credit score a bit and were only talking about 1500 dollars.  This company is talking about credit lines of 10-15 thousand each.  That could show you as out of control and a credit risk and lower your score.
359480
Yes! You can try waiting, but if they find the error, you will have to repay them. If they really don't like you, they could claim you commited fraud to get the money.
286457
You can do online disputes w/ all 3 credit places and wait the 30 days to see if it can be verifed or not. If it's the only bad thing I wouldn;t worry about it.
361354
Don't be tempted by everything you see.  If you can't pay cash, just wait.  It's safer that way.
861435
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. ;-)
627948
Fico is not the only thing Amex considers when looking at an application. Do you have any lates, collections, Public records, bankruptcy? With no previous history with Amex the lowest I have seen thus far for approval was 640 with a 3 yr old charge off no other derogatories.  If you have already established a positive payment history with Amex like have the green or gold charge cards, it is possible to get "more desired" cards like Blue, Clear, etc. with a lessor Fico. Just so you know, Amex pulls Trans Union and Equifax. If you are between 640 & 700 with no negs in the last couple years you may have a chance at their Delta, Hilton, or Starwood as the underwriting for these are more relaxed. Then one can always call and convert to a card of their choice. Good Luck! I Love AMEX! They treat their customers very well.
310560
That's something you have to ask your credit card company.  When you make payment, try to pay at least $5 more than the minimum due.  It will help you a bit.
193792
Possibly because you haven't been paying the minimum interest payments. I know on my interest only mortgage, they allow me to do this without penalty, essentially increasing my principle each month. They actually highlight an amount on my statement that is less than my interest, trying to trick me into paying less today. It's all part of the scam. Read your statement carefully and pay more than just the interest due.
838746
Unfortunately, Bill me later works off a credit background. Unless you have a credit rating of over 500 then they will not consider you.
444578
When you are talking financial struggle you are talking about earthly goods. We make our own noose around our necks by thinking that we can have what we want when we want it and then the credit card bills arrive. Jesus said "accept ye become as little children, ye shall not enter the Kingdom of heaven" He was talking about childlike faith in Him. He also said "do not pile up things here on earth where moth and rust doth corrupt, rather look to the treasures that you can gather in heaven. You are being taught a lesson, perhaps the hard way, but you have already realised that earthly goods will bring you to your knees financially. God isn't giving you the trials friend, you have created the trials yourselves. Don't become hopeless, become faithful instead. Ask Him for His help and mean it!\nTip: cut up the credit cards! Thinking of you - Kay
700299
You can call the company to see if they would give you an extension.    If they say yes, ask if they will remove any late fees on the account.\n\nIf they say there is no extension possible than you will still be delinquent but you show an effort of good faith and willingness to pay down your debt. \n\nRequest the customer service representative you speak with put a note on the account regarding your conversation.  Be sure to document your conversation by keeping their name, operator # and date.  \n\nIf there are notes on your account from your telephone discussion they will be advantagous if you need to have discussions with the Senior management at a later date\n\nHope this helps