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Author Topic: please help-my credit card debt is BAD  (Read 5032 times)
NaturalWonder83
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« 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??
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« Reply #1 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.
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« Reply #2 on: December 22, 2012, 02:21:19 PM »

 Wink


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« Reply #3 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
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« Reply #4 on: December 22, 2012, 02:22:56 PM »

get lean with ramen noodles, canned green beans spend 5 dollar max on food a day
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« Reply #5 on: December 22, 2012, 02:23:10 PM »

1st rule of how to save money - quit spending.
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« Reply #6 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.  
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« Reply #7 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
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« Reply #8 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  Grin Grin
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NaturalWonder83
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« Reply #9 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
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« Reply #10 on: December 22, 2012, 02:29:45 PM »

earn more income
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« Reply #11 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.

Wink
bullshit. people aren't forced into debt. they choose it.
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NaturalWonder83
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« Reply #12 on: December 22, 2012, 02:31:37 PM »


 bullshit. people aren't forced into debt. they choose it.
agreed
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NaturalWonder83
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« Reply #13 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
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« Reply #14 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  Roll Eyes

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

Go suck a dick, tbombz!  
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« Reply #15 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.  Cheesy
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« Reply #16 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  Undecided
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NaturalWonder83
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« Reply #17 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  Undecided
agreed
i know that now
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« Reply #18 on: December 22, 2012, 02:44:09 PM »

Bad credit-rating NaturalWonder?

Then down to Tier 6 for you according to Bay!
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NaturalWonder83
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« Reply #19 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
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« Reply #20 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.
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NaturalWonder83
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« Reply #21 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
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« Reply #22 on: December 22, 2012, 02:46:58 PM »

In before BayGBM posts a link to an old thread.
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from incomplete data
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« Reply #23 on: December 22, 2012, 02:47:12 PM »

sell a kidney you have two for crying out loud  Grin
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freespirit
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« Reply #24 on: December 22, 2012, 02:51:20 PM »

 Cheesy


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