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♫ Music and Peace ♫ asked:


I filled up EXACTLY the same way as I have for quite a while, lol, they just totally did NOT charge my credit card (this was 4 days ago and it hasn’t shown up on my online banking statement!) So I got FREE gas!!!!!!

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tracy h asked:


He is being sued by Assett Acceptance LLC for a debt originally of $7500 from Providian, soldto Washington Mutual and now this Co. They just keep addimg the fees and now a lawsuit. He is deployed, not sure what they can do yet, he has not been served yet. I’ve heard conflicting stories that they don’t even have to noyify him, they filed 6-9-08, but still no word except from an arbitration firm that I believe works for them. Can the garnish for unsecured credit card debt in TX? We don’t own anything free and clear, so what can they do? We quit paying when he was laid off, it was buy gas and food and utilities for our kids or pay them. The creditors will not work with me, they want almost 12,000 now, we can’t afford this now or even when he returns from Iraq with gas prices now. Please any help for a stressed out, stepmom of 2 and foster mom of 3 and worried Armywife would be greatly appreciated.

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dalindakidd asked:


i dont have a credit or debt card my paycheck is gone in the same day after i pay bills and put gas in my van

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hrothgarthegeat asked:


i have good credit and won’t be spending more money than i have–an i’ll be paying off the full amount each month before the month ends. i just need a credit card to build up better credit. i’ve heard sometimes they give you free gas or something with every dollar you spend on the credit card?

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jollybluegiant92 asked:


Hi, i just got a new job. They Pay electronically. The choice was direct deposit or visa paycard. I guess you get one free transaction if you need cash once a month from an ATM. They charge you after that. This is new to me, the rest of the jobs i had gave me checks. I don’t have a checking account and i am in college. I was wondering if anyone has used a Debit Visa prepaid card and if it is a good choice to have at my age. My thinking was i have a savings account so over time on the card i can use it like a credit card and not carry around huge amounts of cash whenever i need cash i can go to the ATM for it once a month ( i usually only spend money on gas now since it’s the summer). What do you all think? Thanks.

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Letslearn asked:


I’m just a few years out of college so don’t be too tough on me.
First I take home $2,865 every two weeks, I bought a house this past summer, I paid 275 for it and put down 105K and borrowed $170K..my P.I.T.I is $1,490. I don’t have a car payment, I drive a ‘96 Toyota with 210K miles and looks and runs great. I am buying about $600 a Month in furniture (cash) because I really didn’t have any to fill my 4 bdr, 3 ba, family room home. I do have 80K in avaiable credit in credit cards all with zero balances, I use them for free gas, airline tickets and cash back and never pay a cent in interest, I save $1100per Month in savings and 650 in long term savings S/B/I. I just now got to the point where I have 6 Months of income saved like the experts say to do. Utilities are around 360 per month, food about $410 per Month. I get enough free gas cards so I never pay for gas, $275 misc expences. So spend $4885 & make
$5730.

When my furniture is done..I’ll get a new car
any suggestions?

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queen_bee0042 asked:


I was recently charged $28 for overdrawing from my Washington Trust checking account. The thing is, I used my debit card on the purchase they said I overdrew with. Wouldn’t my card have been rejected if I didn’t have the money in my account? I was buying gas, so I ran my card before the amount was decided, if that makes a difference.
I’ve always been told that you can’t overdraw with a regular free checking account debit card, so this has me confused. Also, does anyone know if the bank will drop the charges if this has never happened to me before? Thanks

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Osfon225 asked:


I have 6 major credit cards, a couple of gas cards and a couple of store cards. I have superior credit. My credit score was 836 when I bought my car last month. I never carry any balances, paying off my cards every month. The problem is that I have had most of those cards for over 20 years and they keep raising my limit. Right now I have about $150,000 in available credit with about $25,000 open on each card. Obviously this has affected my credit positively but I feel paranoid about having so much credit open, especially with regards to fraud or losing a card. I don’t want to cancel any card because they all have differenct perks, one has a permanent interest rate of 4.9%, another gets me free gasoline, another airline miles, etc. etc. So should I keep things the way they are? Should I force myself to cancel a couple of them? Or should I get the credit lines lowered?

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PHILLY asked:


i have $60,000.00 in credit card debt. i am unemployed. i live in an apartment by myself. i haven’t been paying on my credit cards (except one so i can use it for gas) for the past few months or so. i haven’t been paying on them because i can’t afford the minimums. should i settle the debt, or should i file for chapter 7? even if i settle it will still take me forever to pay the portion required back, plus, from what i’ve been reading, my credit will still be equally screwed if i were to file bankruptcy. no matter what i choose, i am moving back in with my parents, so that will free up around $1,000/month, either to pay back the amount i settle or to start saving up if i file for bko. can someone please tell me what is my best option? i’m leaning towards chapter 7 so i can just get a new start. and if i do file for bankruptcy, (i live in PA), can i keep my car, which i am the primary owner for the title, however my dad is the primary signer for the bank loan, because if he wasn’t it would of never been approved because of my credit, i am the cosigner, and if i do file for bko would my father be affected by that since he is the primary holder for my car. also, would i be able to keep my laptop and tv (the only 2 things i have besides my car, which i recently purchased for $5,900, that have some type of value). i leased the car 3 years ago and last month the lease ran out, so i purchased the car because it was the cheapest option for me at this point in time of my life, $160/month. but i couldn’t purchase the car by myself, again, because of my credit, so i had to get my dad to be the primary signer, again, if i file for bko, is that going to ***** over my dad? please help me out with your advice, websites i can explore, other options, etc. thank you very much for your time and help, it’s greatly appreciated. i know i’m screwed credit wise, i just don’t want to put my father in a tough situation. i can’t sleep at night because this whole situation with my credit is all i can think of. i messed up, and now i just want to do the right thing, the best thing, that will be able to get me out of this fiasco as quick as possible. thanks again, you don’t know how much your advice means to me. thank you.

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Bruce Wayne asked:


I have a Speedway Credit Card that I use for gas and purchases at other places to earn free fuel points. I have an $800 limit. My APR is 19%. Min payment is $15. When I get up to about $650 I make an electronic payment of $100 and I make about 4 payments a month. Is this dumb? Am I paying interest?

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