Hi all I have a LLoyds card, M&S card, Asda card and a Virgin card We are paying these off at the moment, and even though its a while away I got to thinking once they are paid off, how many should I keep and which ones? Asda rate is shocking 24% but thought if I kept this one to do my shopping at asda on (which is where I do my food shopping) you get points on it and then asda vouchers once a year Virgin rate is 15% I think off the top of my head, I read somewhere if you book a virgin holiday on a virgin card you get 10% discount?

Is it normal for creditors to ask for payment first ( original creditors ) then send the settlement letter. I tried so hard with discover to send me settlement letter first and they just wont. And they also want me to pay using a bank account. Why checking account ? Am I the only one having hard time with them. There willing to charge it off and send it to attorney to collect money instead of negotiating , sending letter first and than payment. The payment must be from bank account... I talked to over 50 people in settle dept, same answer from everyone. Is this is true.

I want to access my account with ACCI to determine the balance owed on a specific credit card.

My husband and I have been called repeatedly for the past year from Portfolio Recovery. As per several persons advice we have had no contact with them. We have outstanding credit and have always paid all debts back promptly. In other words we can't imagine what they could possibly want with us. Any advice as to what our next step should be to stop the calls would be appreciated. Thanks!

i have 6 payday loan n deciding not to pay what can they do to me

is clearpoint and cccs. the same company?

I'm a little confused. Will I have to show the BK trustee proof of what I pay for rent? I live with my parents and give them 400 per month cash for rent and utilities. I don't get any receipts or anything. If I do need proof, what can I do? Is there something I can have them sign stating that I pay them $400.00 per month?

how do I find a loan, if I have bad credit?

Can someone help with current IL laws on payday loans? Every time I think I've found something current online, it is from 2005, and I'm unsure if what I'm reading is correct. I've had a loan out for a few months now and have paid down the principle significantly each month. However, this month I'm in a real bind and the inserest & principle is due on the 1st. I can't pay everything so lender says I can pay interest payment & refinance principle. What I'm reading online however states I can request an interest free repayment plan at this point because my loan is over 35 days old.

Hello, everyone. Been a while since I've been on the Forum. Alot of Military stuff going on!!..LOL Have a question (if anyone happens to know). A friend of mine recommended a credit union, Clearview Federal Credit Union. I think it's located in Western Pa, somewhere. Has anyone heard of it? What kind of 'rating' do they have (whoever had heard of it)?