interest rates
How much credit could I get pre-approved for with normal good credit?
I was approved for a credit card with a limit of 00. I have normal credit. I’m interested in starting a business, but I’ll need more money available to borrow. What would my limit be on one of those "pre-approved" credit cards with excessive interest rates that are available to everyone?
How do I establish credit without a credit card?
Credit cards are becoming more and more picky about extending credit, and the interest rates are through the roof. What are some other ways I can establish solid credit without a credit card or major expenses? I go to college full time and work full time, I don’t want to get into heavy debt.
How do I establish credit without a credit card?
Credit cards are becoming more and more picky about extending credit, and the interest rates are through the roof. What are some other ways I can establish solid credit without a credit card or major expenses? I go to college full time and work full time, I don’t want to get into heavy debt.
How to refiance your home and consolidate your credit cards at the same time?
My girlfriend and I just finished building a home. We have a 30 year fixed loan for 0,000 with a 6.125% interest rate. We also have used a lot of our credit cards to finish our home. With interest rates very low right now, we want to refinance with a lower rate and consolidate our credit card debt. So every month we pay one payment for our credit cards and home. Is this possible? What would you suggest? How it works? Any bank suggestions?
Should I apply for a fixed rate loan to pay off credit cards?
I have ,000 in total credit card debt (3 cards). Interest rates are 4.99, 5.99 and 11.74. The card with the highest balance is also the highest interest rate. According to a debt calculator I used, I can pay them off in 42 months with my income. I have been offered a fixed rate personal loan of ,000 at 7.74%. I would pay off the credit cards and use the rest for legal fees (personal situation). Using the same debt calculator, I can pay the loan off in 48 months easily and probably sooner.
Is it worth it to apply for the loan? Will it hurt or help my credit? I do need the extra cash and do not want to take it from my home equity or put more on credit cards. Thank you for your responses.
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