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  #1 ()
theomarttestmk : I'm pretty sure its a sterling silver braclet it has a marking that says 925 CII CHINA



it weighs 14.6 grams, i need some money right now and im wondering if this braclet is worth anything,, its gold plated i guess idk if its real gold, and it has diamonds..not sure if those r real either
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  #2 ()
2qot54rt74o : This is my first time that I have a credit card. My bank offered me a credit card with a balance of 500.00. They told me if i pay on time i dont need to pay interest (the interest rate is 5 %). Well, my credit card statement closed on 17 each month. I always paid around 10 each month and if i spend 200 i usually pay 150 or 200, however, the last statement that i received said that i owe 483.00, i really dont understand how possible i owe that money when i pay every 2 weeks (i pay my credit card on 10 of each month and at the end of this month) so how possible i owe that amount?.I called to the credit card company and asked them but they just say that is the amount that i owe to them, the bank printer out for me the statement is looking like that i spend that money but i also pay every 2 weeks so is impossible that. Anyway, i pay the full amount and i wonder how the credit card works? if i pay every 2 week the credit card how possible the balance went so high?. Any advise is greatly appreciate. Thank you
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  #3 ()
roinemanath : Either you spent more than you usually do, or there is a fraudulent charge on your card that you didn't make, or one of your payments didn't get correctly credited to your account.

To find out which it, carefully review your last couple of statements for the credit card and check that it lists your payments and charges, and make sure it doesn't list any charges you didn't make. If you see anything like that tell your bank right away.
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  #4 ()
necladatio : First, you need to very carefully go over your statements and make sure that all the charges are yours and that all your payments were posted.

Second, STOP paying twice a month. You are making a mess of the account. Wait for the statement and pay the balance in full by the statement due date. That way you build credit and avoid interest. You also need to review that statement every month to make sure there are no errors.

Transactions before the closing date show up on this month's statement and are due by the due date indicated on that statement. Transactions after the due date show up on the next statement and are not due till that statement due date.

You misunderstood the banker about how interest is charged -- at least I hope the banker didn't actually tell you that as long as you paid on time, you paid no interest. Credit cards have an interest free grace period between the purchase date and the statement due date IF you pay the balance in full every month.

If you pay less than the full balance, you are charged interest based on the average daily balance (the total of each day's balance, divided by the number of days) times the monthly interest rate (APR divided by 12).

You have not always paid the balance in full and have likely been accruing interest every month. You have to start with a 0 balance to take advantage of the interest free grace period. Otherwise, you're stuck with interest.
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  #5 ()
lisawedding : I am looking for a vehicle asap (in the next two weeks, but could probably go utmost of 6 weeks without this type of transportation). I currently have $1000 down, and after using 80%+ of my next few paychecks, I can accumulate about $2000 for a down payment. I am looking for a vehicle in the $3000 - $5000 range and would prefer to take out a loan to avoid "settling" for something less than acceptable.

However, I am only 20 years old and supposedly have a credit score of 619--despite only having 2 store credit cards which I don't use often. My mother attempted to co-sign with me (she makes a gross income of over 6k a month, but has a very poor credit score) and the loan got rejected.

I am running another application with another co-signer with better credit right now, but in the mean time--what can I do?
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  #6 ()
phesmahjump : Does that other co-signer have plenty of income for 2 years, tax returns and excellent credit? Then... no problem.
Hope you are learning how carrying credit card balances hurts your credit score.
Learn this now, or life will be very rough for you.

Make sure a co-signer knows:
1. This debt will directly count against them.
Ex: If they want in a car in the future, a home etc.
2. That if you lose a job, and miss a payment that it will hurt their credit equally.
3. That if you miss payments, that he/she is 100% responsible
And they will come after him/her just the same.
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  #7 ()
tmisuextp : I was wondering if i need a credit card for a.paypal account because im making a minecraft parodie and the singer wants me to pay her by paypal
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  #8 ()
hanoInsoxia : you can use a checking account card. and you have to be 18 or older
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  #9 ()
Apapyskyday : I want to order some stuff and I don't want It showing up on my bank statement. Any way I can do this? I might get a prepaid visa from Walmart as a last resort.
The reason I ask is because I live with my family and I don't want them finding out what I buy. We share the same mailbox and I really can't predict exactly who gets my mail.
Thanks
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  #10 ()
graiccabs : It's impossible. You'll have lower cash in your account and no Credit to show where the money went.
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