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Last Login: Friday, September 12, 2008 2:43 PM
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| I have had a credit card for four years. I closed it awhile back when getting a loan for a house. I was late one time and my intrest went fron 6% to about 30%. I have great credit and on my second house, is there anything I can do? This crazy and I am pissed.
MAC DRE
"Smile in my face but clown me when they not around me
Talk down on my every move, but I couldnt give a dam
Playas do what they want, and suckas do what they can"
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Last Login: Today @ 2:27 PM
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| NFL Draft?
Formerly Yeah...Click Clack |
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Last Login: Friday, September 12, 2008 2:43 PM
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| Sorry pissed and on the phone and went in NFL draft. Can a mod move it to Sideline?
MAC DRE
"Smile in my face but clown me when they not around me
Talk down on my every move, but I couldnt give a dam
Playas do what they want, and suckas do what they can"
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Last Login: Today @ 8:16 AM
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| HYPHY32 (7/31/2008)
I have had a credit card for four years. I closed it awhile back when getting a loan for a house. I was late one time and my intrest went fron 6% to about 30%. I have great credit and on my second house, is there anything I can do? This crazy and I am pissed.So is the card closed with a balance on it? If it is and you missed a payment you're screwed. Read your terms for the card, I'm sure it says they can raise your APR to a default rate if you miss a payment. My suggestion is to do a balance transfer to another card with a lower APR. The other issue is that when you closed the card you lost any leverage you may have had. Never get mad and close a card with a balance on it.
| PRAISE THE OMNIPOTENT INTERN!!! "Power tends to corrupt, and absolute power corrupts absolutely." - Baron Acton |
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Last Login: Today @ 11:06 AM
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| 1-800-AXE-GARY 
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Last Login: Today @ 6:28 AM
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| HYPHY32 (7/31/2008)
I have had a credit card for four years. I closed it awhile back when getting a loan for a house. I was late one time and my intrest went fron 6% to about 30%. I have great credit and on my second house, is there anything I can do? This crazy and I am pissed.By simply calling and asking them to work with you, they will. Tell them your situation, sob story whatever and they will usually lower the rate with you. Or get a buddy of yours that is a good talker, and a quick thinker to do the dirty work for you.
"I never set out to hurt anyone intentionally, unless it was you know, important, like in a game or something"
-Butkus"Behind every good man is a good woman. Behind every good woman....is me" |
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Last Login: Friday, September 12, 2008 2:43 PM
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| Is there many penalties when transfering the balance to another card with lower rates. (Not too hard in this case!)
MAC DRE
"Smile in my face but clown me when they not around me
Talk down on my every move, but I couldnt give a dam
Playas do what they want, and suckas do what they can"
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Last Login: Today @ 8:16 AM
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| HYPHY32 (7/31/2008)
Is there many penalties when transfering the balance to another card with lower rates. (Not too hard in this case!)Shop around. You'll probably be able to get a promotional rate, maybe as low as 0% for a period of time then the rate will go to the standard rate on the remaining balance. Make sure you know that rate and what transfer fees will be involved. There are no penalties as such. Make sure you know what the payoff balance is because that will include finance charges until the payoff date. You have to ask. The balance on your statement is not the payoff. Shop around, each card is different.
| PRAISE THE OMNIPOTENT INTERN!!! "Power tends to corrupt, and absolute power corrupts absolutely." - Baron Acton |
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Last Login: Yesterday @ 4:42 PM
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| You should def be able to find a 0% on balance transfers for a full year card. The fee will be a one-time 3%.
Noisy North Section 124 since 2005. |
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Last Login: Today @ 2:33 PM
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| Transer balance to another card.
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