How much are you in credit card debt, what credit cards do u have?
457805
Im in debt 2300 on a 2000 limit visa.   I owe mastercard 500 on 500 credit,  I owe sears 200 on 3000 limit.  I have a card at home hardware for 2000, I dont owe anything
1069908
call your credit card company and see what the charge was
292290
Before I learned how to repair my credit.......ZERO....now that I have cleaned my credit and did it on my own.......let's just say I have more than I need and I use them all and all are at zero balances. Always pay in full. They aren't getting a red cent of interest off of me. If you must really know......5 visa, 10 mastercard, 1 discover, and 5 american express.
849595
My guess is that you can probably lower it to $300. That is usually the smallest amount credit card companies will lend because they need to make some money.
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.
777372
Yes I have numerous.\n\nI have a friend who is in his 40's and he has never had a credit card.  NO need...  Life is not about credit cards !!  If you have no need for one then why bother having one.\n\nCertainly do not listen to anyone who says you need a credit card to have a credit score !!  You can have a credit score simply by doing business with a bank and paying your bills on time!!\n\nGood luck and no worries !!\n\n : )
32381
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
15292
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.
279991
I'm not sure, but you should check the fine print on the credit card application/disclosure. It will state what the minimum payment is. Normally around 3-5% of your balance.
1147001
No, I don't use credit cards either.  Like you, if I can't pay for it, I don't get it....:)
578935
Transferring your balances from one credit card to another is not the solution to getting out of consumer credit card debt.  It will look like you cannot manage your debt and have gotten in over your head.\n\nI used to work for a major credit card company, and can offer some quick advice:\n\nDepending upon your current credit worthiness and the amount of outstanding revolving debt you carry, you may not be eligible for obtaining another card with a limit which can accomodate your current balances.\n\nThat said, also be aware that credit cards and your payments toward them are allotted into 4 categories: \n\n1) Purchases\n2) Cash Advances\n3) Balance Transfers\n4) Other\n\nLet us put this into a practical example:\n\nLet's say you just purchased $100 in clothes at your favorite store, and you charge it to your credit card, and let's say for example that the interest rate is 10 percent.  That transaction falls into category "1", purchases.  You are now carrying a balance of $100 dollars on your account.  The next day, you decide to transfer all your balances from other credit cards onto this same card, in order to consolidate your bills and take advantage of a "zero percent" offer.\n\nLet's say you transfer $1,000 in balances.  This falls into category "3".  So far, you have $100 in category 1, and $1,000 in category 3.  Still with me?\n\nNow you make a payment of $100.00, so that you won't have to incur that 10 percent interest for category 1.\n\nWhat actually happens is that the $100.00 is applied to your balance transfer in category 3 FIRST.  Credit card payments start with category 4 (some companies name them A, B, C, and D) and filter their way to category 1.  \n\nSo now you end up getting charged 10 percent interest for  all your puchases month after month UNTIL you pay off the $1,000 at zero percent.  The more purchases  you make, the more interest you are paying.  Essentially, any card carrying a balance transfer is no good for making purchases, because you cannot pay those purchases off until you pay the transfer off.\n\nSo even though you are getting zero percent, you are still paying interest.  Sneaky, eh?  Imagine if your interest rate wasn't 10 percent, but 18 percent?\n\nThe best thing to do is go to your bank and ask about taking a consolidation loan.  If approved, they will ask you to close your accounts and they will pay them for you.  You will make payments to the bank at a lower interest rate, and everything will show on your credit report as "paid as agreed".  \n\nDO NOT use a debt management service, because that often appears on your credit report and reflects negatively- it looks as though you can't pay your bills responsibly.\n\nThe difference between getting a bank loan and a debt management service is that the debt management service negotiates with your creditors to accept smaller monthly payments to eventually pay your balances, while the bank pays them in full.\n\nAfter all is said and done, the best way to manage your finances is to live below your means.  If you don't can't pay cash for it (the exceptions being a house or a car) you probably don't need it, or you're going to have to wait to save money for it.\n\nLearn to live that way and your life will improve drastically.\n\nGood Luck!
926547
Start by obtaining your credit report. Check for inaccuracies and dispute them if they are truly inaccurate. Pay down your accurate debt. Keep your accounts open, just pay down the debt to 30% or below the limit. For example if your card's limit is $100, only use $30 or less and pay it off, but keep the card active.
893468
Other than my mortgage I have no debts. Always pay my credit card bill in full every month.\n\nIf you're having debt problems, stopping using your credit card is a good idea.\n\nYou can get lots of good advise on this forum:\nhttp://forum.moneysupermarket.com
584538
hmm.. i am unaware of credit cards charge you really, so I will make some assumtions here...\n@17.5 % pa, you pay 1.4583% per month interest\nyou are paying off the sum at the rate of 2.75% per month\nThat means that you pay off 1.2912% of the sum per month\n\nSo after every month you are left 98.7083% of what you started that month with.\n\nI wrote a program to calculate how long it takes what you owe to the credit card company to something about 1 cent\nAnd if my program is right, you need about 907 months to get there.\n\nHope this helps!
799840
I have read it is around $8,000.oo for credit cards alone !!!\n\nJust from what I know of people around me... they seem to be in about $150,000 and up with home mortgages and other stuff!\n\nGOOD GAWD I couldn't imagine having that !!  I wouldn't be able to sleep at night...  \naaaaaaaaaaaaaaaaaaaaaaaaaagh life is good !!
253793
What is your credit score?
717633
$0, I use to have over $30,000.oo in credit card debt, I paid them off over the course of 5 years and haven't charged since.