I have a good credit score, last time I checked about 6 months ago it was about 720-730. Recently I have acquired a big credit card debt, about $9,000 on one credit card (with a limit of $10,000) and about $3,000 on another one (with a limit of $5,000) for many different personal reasons. After the whole spending money ordeal was over, I was left with all this debt on my credit cards. Since then, I have cut back on all unnecessary spending, besides the obvious things like food, gas, etc. I have never been late on payments and have never been over the credit limit. I Also try to pay an extra hundred bucks on top of the minimum payment due when I can. Are there any good ideas on how to consolidate these two credit card debts and help me out with all this? Thanks!

My husband and I are new to the US ( green Card Holders). We believe in a ‘no credit cards’ way of life. The only obstacle we are facing however is our lack of a credit score in the U.S.

Does anyone have an understanding on this ? Is there anyway we can build a decent credit score within a 2 year time frame without the use of credit cards ?

For the record, we are not in debt, pay all bills on time and manage our finances pretty well by living within our means.

I need ideas. I want to put something humorous as my debit card photo. Anyone have any brilliant ideas?
Tall Willow: Ummmmm, what? So are you saying people who put photos of their kids as their debit card photo are doing it for security? Or, that the monkey in the sample photos on the wells Fargo site is for security? I don’t think you understand what I’m talking about. Or you just have no idea what you’re talking about.

I want to pay off my credit cards because they are such high interest. I have late payments in my history, so I want to build up my credit again. Do I really need credit cards to do this? I hate the idea of owing money. I thought about getting a credit card, using it and then paying it off each month – but I was told that wouldn’t help my credit. What should I do?

I’ve got excellent credit (3 cards) and pay my bills in full, including a small car payment and a mortgage. I am considering refinancing the mortgage.

I just got an offer from Delta for their credit card, which would have no annual fee in year one and would give me 40,000 air miles. I would like to accept the miles offer because it’s the most miles I could get quickly, but I wouldn’t take it if it would adversely affect the possibility of refinancing in the next few months.

Thanks for your insight.

I need to rebuild my credit, but can’t afford a secured credit card. Is there any bank outside of Premier Bank that will give me an unsecured card?

When I stopped by the gas station I did not realize what card I took from my wallet and assumed I had grabbed my bank of America credit card. I did not realize until later that I had actually grabbed my bank of America debit card. What is going to happen?

I would like to know about collection laws in California. If my girlfriend had a dispute with a credit card company and didn’t pay the $5000.00 balance, can they get a judgement against her and take that money out of our business account?

Can they take the money out of a trust if she is the beneficiary?

We need asset protection advice!

I want to get a credit card to buy a computer but i keep getting turned down because i have no credit.

I want to get a credit card so I can get some credit history. I don’t want a pre-paid credit card because its stupid and totally useless. I have a debit card, and paypal for a reason. -,-
My bank is PC Financial, but they don’t give out Mastercard without credit history; spite having a student mastercard plan.
What a headache.
Which is most; because that was my question. -.-