secured credit card while in chpt13
why would a credit card will be more secure? they steal from you
why would a credit card will be more secure? they steal from you by charging you interest, that is a myth, read Dave Ramsey, it helps alot when you have those questions. if you have the cash, use it. There is a reason why you're in Chapter 13, so I would think about it before getting a credit card. wish you the best :)
Hi Paulie...I do carry cash and use it as well as my debit card.
Hi Paulie...I do carry cash and use it as well as my debit card..and yes there is a reason I am in chapter 13..because I lost my job due to a injury and wanted to keep my house but still try to pay back some or all of what I owed for uncovered medical expenses and yes..credit card debt to cover necessities such as food and gas as I was barely making anything. My question was in regards to a secured credit card which is one that you put money into an account and that is what your limit is you are only charged interest if you don't pay in full each month.trust me I will NEVER have a credit card again that I will have to pay interest on they are all crooks! I mainly want the secured card(which is my own money)so that if I am buying something online I can use that instead of my debit card..since fraudulent activity is so high. That way if it was to be compromised my checking and savings account is not vulnerable....only a secured card that is covered for fraudulent purchases. PS I have read Dave Ramsey as well as watch his show! :)
How about a prepaid debit, I used that to make online payments w
How about a prepaid debit, I used that to make online payments without risking my whole funds. the wal mart one, charges $3 per month and you can cancel it anytime :)
I understand that they charge you interest if you don't pay, but
I understand that they charge you interest if you don't pay, but you never know what can happen tomorrow! Hopefully not but there might be a situation where is makes it impossible for you to make payment ontime or something and there you go. what if someone charges you more than supposed and it puts your credit on risk along with it. I would not risk it :) wish you the best!
Thanks for the information Paulie...I was unaware Wal Mart had a
Thanks for the information Paulie...I was unaware Wal Mart had a prepaid debit card...Do you get those right at the store or online?
I got mine at the store and put money on it, then I went the nex
I got mine at the store and put money on it, then I went the next day to make my electricity payment with just the exact amount on it and the money posted imediately! i was surprised how quick it was! the only downside is if you put gas at the pump, it will hold your money, but not if you pay inside the gas staion. but other than that I've been using it and had no problems! when my husband is going to make a purchase online, we load the exact amount and it goes trough with no problem :) we haven't had any suspicious activity in the last year :)
Secure card during bankruptcy
My rules on a $400 secure card, for the first 2 months I max ed it, except for