All Questions
56
questions
38
votes
8
answers
4k
views
Optimal way to use a credit card to build better credit?
I have a credit card with a $700 limit and I am curious how to optimize credit gain with it. Right now, I use it once a month (usually on something small like a drink from a convenience store or ...
- 719
29
votes
7
answers
21k
views
Making a big purchase over $2500. I have the money to cover it. Should I get a loan or just place it on credit?
I am planning to make a big purchase. I have the money in savings to cover it, but I don't want to drop $2500 all at once if I can avoid it.
I have a credit card with a $9000 limit, but I know that ...
- 1,199
29
votes
9
answers
11k
views
Should I pay cash or prefer a 0% interest loan for home furnishings?
I live in France. I bought an apartment with a mortgage a month ago.
I've been buying plenty of stuff for this apartment like furniture, decoration, oven, etc. And I still need to buy other stuff.
I'...
- 401
16
votes
7
answers
8k
views
Using 0% APR credit card(s) to pay off loans to avoid interest
Not sure if this is possible but it did come to mind out of curiosity sake.
Assuming you have a $10000 loan for example.
You open up a 0% APR card for 15 months with a credit value of $15000 for ...
- 1,199
14
votes
4
answers
1k
views
Did my salesman damage my credit? What can I do?
I am in the process of purchasing a new truck. A few months ago I put a $500 security deposit down on a truck. I was told that the truck was at a neighboring dealership and that it would take 2-5 days ...
- 895
10
votes
7
answers
985
views
In a very tough credit/financial situation
So here is my situation. I have a car that is very dangerous to drive at this point. Like I am seriously worried that either I or the car won't make it through the upcoming winter months. Now, I would ...
- 201
9
votes
2
answers
556
views
Co-signer deceased
2 years ago an elderly woman that I helped take care of and I worked for her co-signed for me and my fiance to get a 4 wheeler. We have never missed a payment and Honda will say that we have perfect ...
- 91
8
votes
4
answers
4k
views
What could prevent a bank from lending to me to buy commercial real estate?
If I want to take out loans to buy real estate with the intention of renting it to cover the interest on the loans, what are the red flags that might prevent a bank from extending a loan to me?
...
- 9,785
8
votes
3
answers
2k
views
What type of credit or loan to get for job relocation?
I have never had a credit card. The only loans I've had have been student and car loans. Both of those I always paid on time; both are paid off.
I have accepted a job offer and am now looking to ...
- 83
7
votes
2
answers
27k
views
I am under 18 years old, in the US, my parents have terrible credit, how can I take out a loan?
I am under 18, currently shopping for a car. Like many people, I don't have enough money sitting in my bank account to purchase a good car, around $6,000 to $10,000. However, credit checks have ...
- 1,383
7
votes
6
answers
22k
views
Should I get credit life or credit disability insurance with my auto loan?
Is it worth the extra $10 or so that would be added to a car loan in order to get credit life insurance and credit disability insurance? For a relatively young person looking to get the most out of ...
- 646
6
votes
3
answers
2k
views
Will having a secondary signee with bad credit on a mortgage raise or lower interest?
My girlfriend and I are purchasing a house. We were told that it would be better to have the mortgage solely in my name as the only account holder due to her credit score.
My question is, between ...
- 163
6
votes
1
answer
121
views
Can you report on time payments on private loan?
We have a contractual loan (one with a contract, not a handshake) from an family member who bought our student loans. We pay regularly just like any other loan and we pay a small amount of interest (...
- 319
5
votes
4
answers
1k
views
Will paying off my car early hinder my ability to build credit?
I don't have much credit because I am young but I did recently purchase a car which I am paying 9% on. This seems ridiculously high to me and I was thinking about pulling out some of my stocks to pay ...
- 699
5
votes
5
answers
68k
views
Where can I get a car loan for roughly $2000?
I'm looking to buy a new car and have found one that I really like. It is priced at $4500 (with taxes). I currently have $2700 in my savings account. I would like to get a loan for $2000 (leaving me ...
- 151