What can you do to lower your credit card interest rate?

Several years ago I developed a chronic medical condition,lost my job & was unemployed several years. I used my savings to pay my credit cards until I missed 2 payments in a row. I contacted the credit card company, worked out a deal to pay them back.
I am now employed, current on my bills & [...]

Getting the Best Credit Card Rates

The challenge of tackling a massive credit card debt can seem almost impossible at times. When you look at the many bills rushing in each month and then you start going through that credit card bill, the idea of actually starting to pay that bill down can be overwhelming. And part of the reason that [...]

Has anyone else had charges placed on their credit card by a sketchy company called Valence Tech in Illinoi?

I was reviewing my credit card transactions this month and found a charge for 11.35 from this company that I never heard of. When I called them, a machine said to leave my contact information so that they could get back to me…like I was going to do that. Has anyone else been [...]

Can a credit card company suddenly increase your APR just because they reviewed your credit report?

I recieved a letter from a credit card company i’ve been with for some time stating that “due to information recieved on my credit report” they were hiking my interest rate. I haven’t paid late at all on this card and nothing has changed that I know of on my credit report. Is it even [...]

Given That a Credit Card Company Can “Take Your House,” Why Are Credit Card Rates So High?

My impression is that if a person declares bankruptcy, credit card companies can force the person to sell their house and use the proceeds to pay off the credit cards.
So, if a person owns a house, why do credit card companies charge such high interest rates?
I am aware that lots of elderly people [...]

How can contact with credit card Company about my credit card applications?

If at any point I have questions about an application that has already been submitted and want to know about any reward programs provide by company. Then how can contact with credit card Company?

What is the best credit card company currently?

I am looking to apply for a visa or master card credit card that has the best deal. Any recommendation?
Happy holidays!

Can’t Make Credit Card Payments? What to Do

Can’t make your monthly credit card payments. It is important to understand what you can do in order to avoid late charges, increased interest rates and avoid having your credit score lowered. Taking the appropriate action can increase your ability to make future payments.Not being able to make your monthly credit card payments is a [...]

Can a collection agency report a bad credit card debt if they do not have written records?

I was contacted by collection agency an account that was charged off 8 years ago. They said they bought that debt and are reporting it on my credit.
I asked for written records with my signature to ensure that it was a real account that I opened. They said that it had been validated [...]

What happens when you request a credit card stop payment to services and products not received?

Does the business still keep the payment (the transaction was already done) and/or just a flag or mark on their record by the credit card company. Does anything get flagged on our credit report? We have had some very bad luck with a photographer we worked with and considering this an option.