How to Repair Your Credit
Repair your credit with these steps to financial fitness.
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Lol, that was a Kohl’s coupon at 0:55.
:{ I know because I work there.
Except that is the one where you don’t have to have a Kohl’s card.
There should be a “how to” on “how to make decent videos” all of these videos seem to be made on a whim without very much thought. I remember waiting a few days for a new video, now there is one twice a day it seems. :/
1. Don’t Use credit cards
2. Don’t buy what you can’t afford
a.Even if its a house
b. or a car
3. Once people start doing this the prices of everything will drop.
a. houses
b. and cars
The change starts at the bottom namely YOU.
My Discover credit card never charges me finance charges even when I pay a day late…
Is that just because I’m so good at paying the majority of my bills on time? Or is it because it’s a student card?
at the end: yup that’s how the economie is in the dumpster right now…
It’s because you’re in its “grace period.”
i might unsubscribe if i keep getting 20 videos spamming my subscriptions box.
maybe instead of holding out for a few days and flooding me… you can spread them out…
btw, the subscription spam WAS manageable until i got the same videos AGAAAAAAAIN!!!!!!! WDF!!!!!!
I have never understood why people give the credit card companies free money? If you really want to give the credit card companies free money, keep a positive balance instead of a negative balance but make it small. Like keep a positive balance of $1.00. This does a few things. First, they earn interest on that dollar. Second, they own you money. Three, if everybody did that, the credit card companies would go out of business. And that would be SWEET!
lol, then how would i make my credit?
you don’t.
see the way you do it, is taking a credit card to the socialization organization and getting a secure lower monthly debt. hmm
yeah i pretty much pulled that out of my ass
No, that wouldn’t be ’sweet.’
No, it’s not.
It’s cuz of the banks loaning more than they have available.
Thus, it’s (cash) loans.
Not credit cards.
The current economy has nothing to do with consumers only paying the minimum due each month (putting themselves further into debt).
That would be the interest … not finance charges.
The interest charge is applied after the ending of the grace period.
The grace period is a set number of days after the billing date.
FYI: Credit cards are a GOOD thing.
Some are better than others … depending on what is out there that you find and what you agree to.
If you shop around correctly, you can actually save by charging stuff.
Then it’s a matter of paying more than the minimum due each month (as long as you’re able to).
If you’re able to pay it off in full in any given month then do it … and within your grace period.
That way, you don’t pay interest.
And that means you save (as well).
If you look, then anyone that can see well enough can see it says ‘KOHL’S’ right on it.
Thus, duh!
Either way … Kokl’s blows.
I wouldn’t shop there (ever again) if I was paid to. Its been that way for quite some time now.
Only one card!?
NOT!
One card AND a secured card!?
L O L
Secured cards are meant for those with ‘questionable’ credit ratings.
Why not?
I didn’t read it, only saw the colour combination and the font of the 15%.
I was making a point of how much I’ve worked there and how long I have been there.
(But not anymore, finally.)
Ah … ok.
That point wasn’t made, though.
One needs not work ANYWHERE for more than a couple/few days … simply long enough to get to the point of learning any given bit of information needed to be employed at any given place.
If you can’t figure that out then you’ll need to do some research.
As for ‘keep a $1 balance’ … CC companies do NOT ‘own’ anyone’s money but their own. That would include the interest they make on their customers money. Their customers money itself is used toward whatever their customers buy using their card. Then their customers have to pay that back (just as if it were a regular CC).
Also, people need credit to be able to purchase higher prices things.
This helps people greatly.
They are borrowing my dollar. Yes, they own the interest from that dollar but that dollar is still mine. And please don’t tell me to do some research. You sound like a “911 was an inside job” conspiracy theorist.
Never ever close a card, even if it is paid off. Hurts your score. Just muster up some will power to not use it. The longer you keep cards open in good standing, the better off you are.
As long as the credit card is below 35% utilized, it will not negatively affect your credit.
That’s exactly what I’d said … they don’t own your money. Only the interest the earn from it.
Just because someone suggests someone to do some research does NOT make them ANY such thing as “a ‘911 was an inside job’ conspiracy theorist.” let alone anything of the like.
You clearly need help. You really do need to do some research.
i know you don’t know/understand the implication of that, though.
What is the source(s) of your claim!?
First of all … did I ask you!? No!
Second … did you state/provide a source!? No!
Third … don’t waste my time with untrue/unjust claims.