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Getbig Main Boards => Gossip & Opinions => Topic started by: NaturalWonder83 on December 22, 2012, 02:18:16 PM



Title: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 02:18:16 PM
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save

any advice??


Title: Re: please help-my credit card debt is BAD
Post by: G_Thang on December 22, 2012, 02:21:02 PM
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt

i looked into western sky money loans-the commercial with the native american girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save

any advice??

prosper.com, if your credit score is above 660 or so.  lenders covered a girlfriend of mine for 7,000 @ 8.95 for 36 mths.  she paid it off in about 22 mths.


Title: Re: please help-my credit card debt is BAD
Post by: freespirit on December 22, 2012, 02:21:19 PM
 ;)


Title: Re: please help-my credit card debt is BAD
Post by: Marty Champions on December 22, 2012, 02:21:44 PM
few questions

1 do you even lift?

2 have you considerd washing clothes in the bathtub, it could save your water bill plus you can sell you washer and dryer . if you wash your own clothese you can pump your arms thus you dont have to by that andropump NO blaster powedr


Title: Re: please help-my credit card debt is BAD
Post by: Marty Champions on December 22, 2012, 02:22:56 PM
get lean with ramen noodles, canned green beans spend 5 dollar max on food a day


Title: Re: please help-my credit card debt is BAD
Post by: hrspwr1 on December 22, 2012, 02:23:10 PM
1st rule of how to save money - quit spending.


Title: Re: please help-my credit card debt is BAD
Post by: G_Thang on December 22, 2012, 02:23:38 PM
don't pay attention to the dumbasses, go to prosper.com and see if you fit the profile.  get a damn pier loan and make the payments on time.  


Title: Re: please help-my credit card debt is BAD
Post by: Marty Champions on December 22, 2012, 02:25:50 PM
1st rule of how to save money - quit spending.
are you still plumbing? why dont you give him a cut of your pay i think hes willing to have some part time help if you need it


Title: Re: please help-my credit card debt is BAD
Post by: mass243 on December 22, 2012, 02:26:03 PM
few questions

1 do you even lift?

2 have you considerd washing clothes in the bathtub, it could save your water bill plus you can sell you washer and dryer . if you wash your own clothese you can pump your arms thus you dont have to by that andropump NO blaster powedr

hahaha solid piece of advice  ;D ;D


Title: Re: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 02:26:14 PM
don't pay attention to the dumbasses, go to prosper.com and see if you fit the profile.  get a damn pier loan and make the payments on time.  

thank you i will look into it


Title: Re: please help-my credit card debt is BAD
Post by: WOOO on December 22, 2012, 02:29:45 PM
earn more income


Title: Re: please help-my credit card debt is BAD
Post by: tbombz on December 22, 2012, 02:30:44 PM
I believe there are debt consolidation services that can give you the one monthly payment option without the need for taking out a loan.


also, these credit card companies (banks) will almost always let you off the hook for considerably less than you owe if you are willing to play hardball and maybe take a couple hits to the credit score in the process.

;)
bullshit. people aren't forced into debt. they choose it.


Title: Re: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 02:31:37 PM

 bullshit. people aren't forced into debt. they choose it.
agreed


Title: Re: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 02:33:17 PM
if any members would want to loan me the money-like 3000 dollars that would be cool
if the shoe was on other foot if i had the money and u asked me i would give u the money


Title: Re: please help-my credit card debt is BAD
Post by: G_Thang on December 22, 2012, 02:33:45 PM
I believe there are debt consolidation services that can give you the one monthly payment option without the need for taking out a loan.


also, these credit card companies (banks) will almost always let you off the hook for considerably less than you owe if you are willing to play hardball and maybe take a couple hits to the credit score in the process.
 bullshit. people aren't forced into debt. they choose it.

man, don't read this shit!  do the pier loan.  if you are a home owner, you will get AA rate, which runs under 7%.  debt consolidation service  ::)

and no, they won't.  BofA all but fucked up my line of credit for grad school.

Go suck a dick, tbombz!  


Title: Re: please help-my credit card debt is BAD
Post by: freespirit on December 22, 2012, 02:34:39 PM

 bullshit. people aren't forced into debt. they choose it.

You're just another brainwashed dumbfuck, monkyboy.  :D


Title: Re: please help-my credit card debt is BAD
Post by: bradistani on December 22, 2012, 02:38:15 PM
our grandparents had the right idea.. if you can't afford it, don't fucking buy it. seems simple enough to me  :-\


Title: Re: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 02:39:48 PM
our grandparents had the right idea.. if you can't afford it, don't fucking buy it. seems simple enough to me  :-\
agreed
i know that now


Title: Re: please help-my credit card debt is BAD
Post by: Kwon_2 on December 22, 2012, 02:44:09 PM
Bad credit-rating NaturalWonder?

Then down to Tier 6 for you according to Bay!


Title: Re: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 02:44:57 PM
Bad credit-rating NaturalWonder?

Then down to Tier 6 for you according to Bay!

my credit is good-very good


Title: Re: please help-my credit card debt is BAD
Post by: Grape Ape on December 22, 2012, 02:45:01 PM
Call the credit card company and negotiate.  See if you can suspend the interest.

Then, go spartan in terms of spending until it's gone.  It will be a small blip on your radar.


Title: Re: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 02:45:34 PM
Call the credit card company and negotiate.  See if you can suspend the interest.

Then, go spartan in terms of spending until it's gone.  It will be a small blip on your radar.
ive done that


Title: Re: please help-my credit card debt is BAD
Post by: lovemonkey on December 22, 2012, 02:46:58 PM
In before BayGBM posts a link to an old thread.


Title: Re: please help-my credit card debt is BAD
Post by: funk51 on December 22, 2012, 02:47:12 PM
sell a kidney you have two for crying out loud  ;D


Title: Re: please help-my credit card debt is BAD
Post by: freespirit on December 22, 2012, 02:51:20 PM
 :D


Title: Re: please help-my credit card debt is BAD
Post by: bradistani on December 22, 2012, 02:53:49 PM
you not have any family members who could loan you the money ? a better option than getting into even more debt trying to pay off the existing debt..  


Title: Re: please help-my credit card debt is BAD
Post by: B_B_C on December 22, 2012, 03:03:16 PM
relax Dorathy the credit Authority will deal with you shortly


Title: Re: please help-my credit card debt is BAD
Post by: TrueBB93 on December 22, 2012, 03:30:01 PM
The whole reason people become slaves of credit card companys is the interest. interest is posion to society. for example you can a 1000 loan and end up payin much much more. its a cycle that makes the rich richer and poor poorer. . hence why its banned in all abrahamic religions.

look at mortages, you get a loan for 500,000 to buy a house. interest rate of 3.25 for 30 years. you end up paying almost 800,000. thats $300,000 more them want you even borrowed. its a screwed system. once you get a loan, its like they attach a leach onto you for life.

stay away from loans with interest as much as possible. just keep a tight budget and slowly pay it off, 4500 isnt THAT much. some people have 15000+ in debt.


Title: Re: please help-my credit card debt is BAD
Post by: Natural Man on December 22, 2012, 03:32:38 PM
prosper.com, if your credit score is above 660 or so.  lenders covered a girlfriend of mine for 7,000 @ 8.95 for 36 mths.  she paid it off in about 22 mths.
haha looks like someone knows what he s talking about.


Title: Re: please help-my credit card debt is BAD
Post by: NotSure on December 22, 2012, 03:36:21 PM
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save

any advice??
What do you mean no body taught you how to use credit? Are you some kind of stupid? Did you think it was free money? You frakking deserve every bit of this from the sound of it. When you use it, you pay it off the next month. Frakking idiot. It's the likes of you that drug us down into this recession. You are probably the type of idiot that shows up at the dealership because he got mailed a key to potentially win a car and gets suckered into the 2nd place prize of buying a car.


Title: Re: please help-my credit card debt is BAD
Post by: polychronopolous on December 22, 2012, 03:38:44 PM
The credit card has become the modern day Cotton field.


Title: Re: please help-my credit card debt is BAD
Post by: polychronopolous on December 22, 2012, 03:41:37 PM
The whole reason people become slaves of credit card companys is the interest. interest is posion to society. for example you can a 1000 loan and end up payin much much more. its a cycle that makes the rich richer and poor poorer. . hence why its banned in all abrahamic religions.

look at mortages, you get a loan for 500,000 to buy a house. interest rate of 3.25 for 30 years. you end up paying almost 800,000. thats $300,000 more them want you even borrowed. its a screwed system. once you get a loan, its like they attach a leach onto you for life.

stay away from loans with interest as much as possible. just keep a tight budget and slowly pay it off, 4500 isnt THAT much. some people have 15000+ in debt.

I can make the case that an interest only home loan is a better choice than 15 or 30 year fixed if you are prudent with the money saved from the lower payments.


Title: Re: please help-my credit card debt is BAD
Post by: Coach is Back! on December 22, 2012, 03:48:20 PM
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save

any advice??

You don't take loans out to pay back existing loans at a higher premium (see our national debt)

Www.daveramsey.com


Title: Re: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 03:50:19 PM
What do you mean no body taught you how to use credit? Are you some kind of stupid? Did you think it was free money? You frakking deserve every bit of this from the sound of it. When you use it, you pay it off the next month. Frakking idiot. It's the likes of you that drug us down into this recession. You are probably the type of idiot that shows up at the dealership because he got mailed a key to potentially win a car and gets suckered into the 2nd place prize of buying a car.
omg whats your problem


Title: Re: please help-my credit card debt is BAD
Post by: TrueBB93 on December 22, 2012, 03:51:05 PM
I can make the case that an interest only home loan is a better choice than 15 or 30 year fixed if you are prudent with the money saved from the lower payments.

excuse my ignorance, but how does an Interest only loan work? how do you pay the principal?


Title: Re: please help-my credit card debt is BAD
Post by: Coach is Back! on December 22, 2012, 03:54:06 PM
DO NOT GET A LOAN!!!!!!!


Title: Re: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 03:56:24 PM
DO NOT GET A LOAN!!!!!!!
why? the interest is fixed and is less then i am paying now on my cards?
and instead of 2 credit card bills i would only have 1 bill
im not being arrogant with u-i just dont understand


Title: Re: please help-my credit card debt is BAD
Post by: TrueGrit on December 22, 2012, 04:05:38 PM
Just waste so much money that it is impossible to pay it back without causing the world to implode and get the taxpayers to pay it back for you instead. It worked for the banks.


Title: Re: please help-my credit card debt is BAD
Post by: TrueBB93 on December 22, 2012, 04:06:04 PM
coach is right. Its just like the gov man, keep borrowing, its not a good long-term solution. Stay on a very tight buget, eat nothing but rice and bean if you have to, walk to save gas. its the best way to get rid of thr debt. dont get a loan to pay another loan.


Title: Re: please help-my credit card debt is BAD
Post by: airosol on December 22, 2012, 04:18:04 PM
excuse my ignorance, but how does an Interest only loan work? how do you pay the principal?

You don't but the payment is lower. Salesmen are selling the monthly payment. They don't care if you ever pay it off, which you won't. Someone said it earlier

. This is the modern day cotton field

We are slaves to the machine. And we bend over gladly as long as we have the latest trinket to shove up our asses


Title: Re: please help-my credit card debt is BAD
Post by: Natural Man on December 22, 2012, 04:23:22 PM
Do not buy what you cant afford... As long as you dont understand this very simple concept, you re going to get in troubles. Let me guess, your parents were the kind of people who bought stuff they couldnt afford right?   ::)


Title: Re: please help-my credit card debt is BAD
Post by: NaturalWonder83 on December 22, 2012, 04:28:50 PM
Do not buy what you cant afford... As long as you dont understand this very simple concept, you re going to get in troubles. Let me guess, your parents were the kind of people who bought stuff they couldnt afford right?   ::)
no they were very very good with money
i am not


Title: Re: please help-my credit card debt is BAD
Post by: airosol on December 22, 2012, 04:37:34 PM
no they were very very good with money
i am not


We've all bought into the bullshit at one time or another ( I know I have) learn and move on bro, like some getbiggers told me once "the tough always persevere ":)


Title: Re: please help-my credit card debt is BAD
Post by: brent2741 on December 22, 2012, 04:47:09 PM
if you can transfer them to a zero interest credit card or account where everything you pay goes to principal and try to save in other area while paying more on the balance. Cut up all cards so there is no tempting to use them, its a start


Title: Re: please help-my credit card debt is BAD
Post by: snx on December 22, 2012, 04:58:40 PM
In before Bay can get here and wag his tongue and tsk tsk you Gene.


Title: Re: please help-my credit card debt is BAD
Post by: BILL ANVIL on December 22, 2012, 05:16:25 PM
get in touch with a fraud group, get a new identity  ???


Title: Re: please help-my credit card debt is BAD
Post by: HockeyFightFan on December 22, 2012, 05:32:08 PM
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save

any advice??

Start charging for the blowjobs you're giving at the American Legion Hall, you should have it paid off in a month.

"No one taught me how to use credit cards". Jesus H. Christ on a shingle.


Title: Re: please help-my credit card debt is BAD
Post by: HTexan on December 22, 2012, 05:36:18 PM

Just get on a payment plan with them. Then, married a chick with good credit ;D


Title: Re: please help-my credit card debt is BAD
Post by: HockeyFightFan on December 22, 2012, 05:49:17 PM
Just get on a payment plan with them. Then, married a chick with good credit ;D

He can't, apparently he's broke and gay.


Title: Re: please help-my credit card debt is BAD
Post by: NotSure on December 22, 2012, 05:54:11 PM
Do not buy what you cant afford... As long as you dont understand this very simple concept, you re going to get in troubles. Let me guess, your parents were the kind of people who bought stuff they couldnt afford right?   ::)
Let me guess, your daddy was a miserable wretch and control freak as well whose wife eventually left him. What does that spell for you? Fathers and sons...


Title: Re: please help-my credit card debt is BAD
Post by: WOOO on December 22, 2012, 05:55:14 PM
live on ramen noodles for the next 3 months...


Title: Re: please help-my credit card debt is BAD
Post by: HTexan on December 22, 2012, 06:09:31 PM
He can't, apparently he's broke and gay.
didn't bay say gays have great credit? Should be easier then  :D


Title: Re: please help-my credit card debt is BAD
Post by: Natural Man on December 22, 2012, 06:22:31 PM
no they were very very good with money
i am not

clearely they didnt think it could be a good idea to teach you about it.


Title: Re: please help-my credit card debt is BAD
Post by: HockeyFightFan on December 22, 2012, 07:01:25 PM
didn't bay say gays have great credit? Should be easier then  :D

One More Rep or Bay = gay

OP = dick sucking, brokeass fag

Hope this helps.


Title: Re: please help-my credit card debt is BAD
Post by: WOOO on December 22, 2012, 07:08:24 PM
One More Rep or Bay = gay

OP = dick sucking, brokeass fag

Hope this helps.


HockeyFightFan = queer newb or fucking gimmick

hope this helps fucko


Title: Re: please help-my credit card debt is BAD
Post by: SF1900 on December 22, 2012, 07:10:44 PM
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save

any advice??

4500 is actually not that bad at all.


Title: Re: please help-my credit card debt is BAD
Post by: The Abdominal Snoman on December 22, 2012, 07:24:34 PM
Take a week off from work and sit home and eat mushrooms for the first 5 days of the 7 days you take off. Stay in your house and make yourself watch 16 hours a day of the Kardashians, MTV cribs, real housewives of Beverly Hills and Punked. Take days 6 and 7 to recover. If you don't come out of it absolutely hating materialism and everything it stands for, there probably is no hope for you.


Title: Re: please help-my credit card debt is BAD
Post by: HockeyFightFan on December 22, 2012, 07:51:06 PM

HockeyFightFan = queer newb or fucking gimmick

hope this helps fucko

Bring it fuckface.

You stink like maple syrup and stale Ojibway jism.


Title: Re: please help-my credit card debt is BAD
Post by: The Abdominal Snoman on December 22, 2012, 07:56:30 PM
http://www.youtube.com/watch?v=TvZ9LPzTURg


Title: Re: please help-my credit card debt is BAD
Post by: BILL ANVIL on December 22, 2012, 08:04:42 PM
Bring it fuckface.

You stink like maple syrup and stale Ojibway jism.

haha!   :D

wagon burner jism of peace!  ::)


Title: Re: please help-my credit card debt is BAD
Post by: Princess L on December 22, 2012, 08:18:28 PM
http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/paying-credit-card-debt/nFbH/

There are several steps you should take to get out of credit card debt. Paying off several thousand dollars or more in credit card debt takes time, so you must discipline yourself. I usually find setting a goal of paying down debt in 60 months or less works best for people. Anything greater than 60 months and people tend to lose their focus.

    If you have several cards, your first goal is to pay off the card with the highest interest rate. This process is called laddering. 
    Pay more money toward that credit card and slightly less toward the other cards, until the card with highest-interest debt has a zero balance. Then you move onto the next card, and so on and so on. Resist the temptation to close the account when it's at a zero balance. Doing so will only hurt your credit score.
    One proven way to pay more toward the card with the highest interest rate -- and to get rid of it faster -- is to make a separate payment every 14 days to the credit card company. Mark your calendar every 14 days and write that check or send your online payment that day. Making a payment every 14 days equals one extra month's payment you've made at the end of the year. Work these payments around your statement cycle to avoid paying late fees.   

 
For help during the process, contact the National Foundation for Credit Counsling at NFCC.org or call 800-388-2227. You may also want to check out the book Invest in Yourself: Six Secrets to a Rich Life by Marc Eisenson.

Resources
http://www.clarkhoward.com/financial-resources/


Title: Re: please help-my credit card debt is BAD
Post by: Coach is Back! on December 22, 2012, 08:19:43 PM
4500 is actually not that bad at all.

No, it isn't. It's only bad when you're late on payment, miss a payment or pay the minimum. Regardless, get out of it asap.


Title: Re: please help-my credit card debt is BAD
Post by: Primemuscle on December 22, 2012, 08:49:47 PM
The whole reason people become slaves of credit card companys is the interest. interest is posion to society. for example you can a 1000 loan and end up payin much much more. its a cycle that makes the rich richer and poor poorer. . hence why its banned in all abrahamic religions.

look at mortages, you get a loan for 500,000 to buy a house. interest rate of 3.25 for 30 years. you end up paying almost 800,000. thats $300,000 more them want you even borrowed. its a screwed system. once you get a loan, its like they attach a leach onto you for life.

stay away from loans with interest as much as possible. just keep a tight budget and slowly pay it off, 4500 isnt THAT much. some people have 15000+ in debt.

Great idea! However, the average person cannot afford to pay cash when purchasing a home these days. One of the reasons for this is that many people are brainwashed into believing they need/deserve more house then they can afford. On the plus side, presently mortgage interest rates are at an all time low. If a person buys a house that is modestly priced for their income, they are pretty sure to be fine. Also, a shorter term mortgage generally has the best interest rate and you save a bundle in interest over the course of the loan.

$4,500 may not be a very big debt to some, but it can be substantial if you cannot afford to repay it. If you stick with the idea of never leveraging more on a credit card than you can comfortably pay off without accruing interest, generally paying it off monthly, you should be fine. Sometimes stores will offer no interest for a year or so. Be careful though, with these "deals" one can often get a better price if they pay cash instead of extending out the payments. I am not sure how this works with outfits like Home Depot where the merchandise's price is already set, as with carpeting and large appliances.


Title: Re: please help-my credit card debt is BAD
Post by: BILL ANVIL on December 22, 2012, 08:56:25 PM
thats your whole purpose of existing, the banks and govnt. you are merely a farm animal expected to produce.

credit cards, mortgage, insurance ect, they lock you in. the system is predatory in nature, much like the organized crime groups the media portrays as being evil but they operate much the same, the system is no different except they aren't allowed to use violence, just credit and character assassinations to fuck you up.


Title: Re: please help-my credit card debt is BAD
Post by: deadz on December 22, 2012, 10:14:16 PM
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save

any advice??
You're a strange character.


Title: Re: please help-my credit card debt is BAD
Post by: B_B_C on December 23, 2012, 03:45:51 AM
haha looks like someone knows what he s talking about.

the man who never made a mistake never made any thing


Title: Re: please help-my credit card debt is BAD
Post by: OTHstrong on December 23, 2012, 03:47:08 AM
No one ever taught me how to use a credit card
life was good for a while
go out for dinner-charge it
order pizza-charge it
pay my bills-charge it
buy supplements-charge it
now my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bank
the apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i can
i also plan on locking away my cards and only using them in emergency
and only pay cash for stuff-and start putting money away to save

any advice??
No offence, but did you think all that stuff was free?


Title: Re: please help-my credit card debt is BAD
Post by: freespirit on December 23, 2012, 03:55:23 AM
(http://www.freakingnews.com/pictures/6000/Food-Stamp-6159.jpg)


Title: Re: please help-my credit card debt is BAD
Post by: The Abdominal Snoman on December 23, 2012, 11:10:30 AM
thats your whole purpose of existing, the banks and govnt. you are merely a farm animal expected to produce.

credit cards, mortgage, insurance ect, they lock you in. the system is predatory in nature, much like the organized crime groups the media portrays as being evil but they operate much the same, the system is no different except they aren't allowed to use violence, just credit and character assassinations to fuck you up.

So true...

http://www.youtube.com/watch?v=nuYxp7-Au4E


Title: Re: please help-my credit card debt is BAD
Post by: polychronopolous on December 23, 2012, 11:17:01 AM
i just pray that genes acne continues to heal if he has to buy a cheaper pimple cream in order to save a few bucks


Title: Re: please help-my credit card debt is BAD
Post by: The Abdominal Snoman on December 23, 2012, 11:45:27 AM
Go work with Falcon until you pay off your credit card. He'll put you to work.


Title: Re: please help-my credit card debt is BAD
Post by: Coach is Back! on December 23, 2012, 11:49:12 AM
He's not posting in this anymore, but did he say anywhere if he was behind on his payments?


Title: Re: please help-my credit card debt is BAD
Post by: tom joad on December 23, 2012, 11:57:49 AM
if any members would want to loan me the money-like 3000 dollars that would be cool
if the shoe was on other foot if i had the money and u asked me i would give u the money

Bob Chick would probably lend you the cash if you asked him nicely.