creditors债权人

10 Negative Things about Credit Card Banks10负四○银行信用卡

10 Reasons You Should Hate Your Credit Card Banks!你恨你的理由10信用卡银行!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Buying a house forces you into debt, going to college forces you into debt, buying a car forces you into debt, if you don't have a credit card then you don't exist because you don't have a credit history.买房子,你到部队债务,债务变成你上大学队,您买车势力进入债务如果你没有信用卡那么你就不存在,因为你没有信用历史. We just can't win.我们不能赢.

And when you finally get some debt, the credit card banks are right there to take advantage of us!而当你终于得到了一些债务,银行有权有信用卡趁我们! I've had enough!我受够了! I'm sure you have too, so please tell me your story in the survey.我相信你有过,所以请告诉我你的故事了调查.

1.1. CRAZY HIGH-INTEREST RATES疯狂的高利率
Believe it or not my friend recently received a credit card offer through the mail with a starting interest rate of 35%.信不信朋友近日收到的邮件,通过开办信用卡利率起了35%. I can do better with almost any loan shark!我可以做得更好,几乎任何高利贷! Oh yeah, that bank IS a loan shark--depending on your definition of "is."哦噢,那是高利贷银行--靠你"的定义是"

2.2. CHANGING THE TERMS WITH FINE PRINT字体转换条款
Ever notice that the bank's letters that encourage you to use your credit are in BIG BOLD letters.公告说,该行以往的信件,鼓励你用你的信用大粗体字. You know, the letters that say, "go on vacation," "write yourself a check," "buy a new wardrobe," but the letters that try to get you to give up your rights are in microscopic small type?你知道英文字母,例如"去度假"、"你写了检查"、"买了新衣柜,"但是你信,尝试放弃你的权利是在小镜式?

What are they hiding?他们躲在什么?

They're raising their late fees, getting you give up your right to bring them to court, jacking-up your interest rates, and much more!他们自己筹集学费下旬,令你放弃了自己的权利,使他们能够苑顶你利率上升、多!

The worst part is that these "amendments" are "negative response."最不幸的是,这些"修正"是"负面反应" That means that if you don't tell them that you don't want the terms, then you're agreeing with whatever they sent you.这意味着,如果你不告诉他们,你不想条款那么你同意他们送你.

It's like those music clubs.这就像那些音乐俱乐部. You know the ones.你知道自己. You pay 1 cent to join and get 12 CD's.你得付12和1份加入裁. The only catch is that if you don't tell them not to send the monthly selection they send it automatically and bill you!唯一不明白的是,如果你不要将他们送到每月选择自动法案你! It's like making a deal with the devil!那就像与魔鬼达成交易!

I'd love to do business like that!我爱做生意一样! I'll just ship you a television, and if you don't return it I can charge you!我陪你刚刚舰电视,如果你不回我可以负责你! Real easy to get the sale isn't it?真不容易卖吗?

I guess if you happened to die while the letter is in the mail then it's a guarantee you'll agree since there's no way to respond.我猜想,如果你想死,而信是发生在那邮件的保证你同意既然无法回应. If the banks had it their way they'd probably try to bill you in the afterlife.如果多数银行就会早早地在你可能尝试法案来世.

3.3. BAIT AND SWITCH诱饵和开关
You know those pre-approved credit offers you receive in the mail nearly everyday?你知道那些预先核准您收到的邮件提供信贷几乎天天? Well, they're really not "pre-approved."那么就很没有"预先核准" Check the fine print.核对字体. They always have some words that allow them to weasel out of giving you the card that you think you're applying for.他们总是有一些文字,让他们走出黄鼠狼给你,你认为你的卡申请.

The offer may say, "0% for six months, then 9.9% fixed, with no annual fee, and $5,000 credit limit."要约可以说,"0%六个月,然后固定9.9%,无年费、五千元的信贷限额" Then you get the card and it's "6.9% for 3 months, 29.99% variable, $50 annual fee and $400 credit limit."那么你就得到卡的"3个月6.9%、29.99%变数,年费50元、400元的信贷限额"

What happened?什么事?

Re-read the fine print in the original offer and you'll find the tricky legalese that says something like, "Ha, ha bet you can't read letters this small! We don't have to approve the pre-approved offer and can therefore send you any card we wish."再细读一遍,并在原来的歌坛提供法律术语,说什么刁钻"房房打赌你不能阅读信件这一小!我们没有核准预先核准,并提供任何可以送卡祝你."

4.4. PENALTIES FOR BEING LATE TO OTHERS惩罚迟到他人
You'll love this one!爱你一本! Many credit card banks have changed their policies so they can raise your rates, no surprise, but check this out.许多银行的信用卡已经改变其政策,以便他们能够提出你率意料,但瞧瞧. Some will raise your rate to 23% if you're late paying your electric bill.有些贵率将提高到23%,如果你逾期缴纳电费贵. That's right!对呀! They check your credit file and if you are late paying any other bills, not just theirs, they slam you even more!他们检查你的信用档案,如果你是已故另收其他法案,不仅自己的作品,他们猛撞你更!

5.5. DECEPTIVE OFFERS有欺骗性
Even when you read all the fine print they can STILL do whatever they want.甚至当你看过所有的字体也可以为所欲为. They'll send you credit offers and say, "you can use all your available credit" and when you do they'll charge you a penalty fee!人家送你,并说提供信贷、"你可以用你所有可用信用"当你就会费征收惩罚你! Then when you call to complain they'll tell you that you're an idiot that doesn't have any common sense.当你打电话来抱怨,他们告诉你,你是白痴,没有任何常识. See my article "Chase Bank Tries to Pull a Fast One."看到我文章"大通银行试图出卖"

6.6. CAN'T EVER SPEAK TO A HUMAN不能向任何人发言
Just try calling them to check on your account.光是骂你查核帐目. It's takes forever to speak to a human!秀的人就永远! They always want you to key in all the account information, all the numbers, then when you finally talk to their drones they ask you for all that information again!他们在关键时刻要你所有帐户资料,所有的号码那么,当你终于可以说,他们的无人驾驶飞机,请您对所有信息! Why the hell did I enter it in the first place!为什么我没有进入地狱,这是千真万确的!

I can get around this by hitting "0" then the "#" keys.我能找到的命中"0",那么,"#"键. I get a reply, "We cannot recognize your account number so please be tortured again by reentering it now."我得到的答复是"我们不能承认帐号所以请您再次复出现在折磨" I keep hitting the "0" and "#" keys until the recording gives up and says, "Please hold while we transfer you to one of our new hires who probably cannot help you anyway."我一直打到"0"和"#"键,直到录音放说:"请把你认为我们虽然是我们新聘者大概无论如何不能帮助你"

Hmm, It's almost like they don't want you to talk to anyone...HMM的,那几乎就像他们不想跟任何人::你

7.7. BANKRUPTCY LAW HYPOCRISY破产法的虚伪
Here's another good one.这里的另一个好. The banks have lobbied Washington to change bankruptcy laws to make it more difficult to dissolve debts in bankruptcy.华盛顿游说改变银行破产法,使其更加难以化解债务破产. They want the consumer to be more responsible for repaying their debt!他们希望消费者能够更负责讨债!

Let's see.让我们看看. Who gave the consumer making $10,000 per year a $50,000 credit line?谁给消费者每年制作10,00050,000信贷额度? Who sent that consumer letters saying, "go on vacation, give a check as a present this season, buy a new wardrobe."谁送消费者来信说,"去度假,作检查作为当前这个季节,买了新衣柜."

Give me a break.给我一个突破. These banks want to have it both ways.这些银行都希望有两全其美. It's just as much they're responsibility for making us able to get into debt.那只是尽量使他们负责我们抽到债务.

Do you think they'd be in favor of a 3-day waiting period to give credit cards?你认为他们碰到了倾斜的3天等待期让信用卡? How about the government has to call the consumer to verify that they can really afford to use the credit line?政府如何呼吁消费者证明他们真的有能力运用信贷路线? Think the banks would like that!认为银行想!

8.8. STOP YOU FROM GETTING A JOB OR HOME制止你找工作或回家
If you have a problem with your credit card bank they're going to report this in your credit history.如果你有你的问题,他们要去银行信用卡在您的信用报告,这一历史. Everyone looks at your credit history.大家看看你的信用历史. Landlords review it to see if you will be a good tenant, insurance companies look at that report, and employers also review your credit history.房东检讨,看看你会是个好租客,保险公司看这份报告您还审查和雇主信用历史.

What happens when the creditors make a mistake?怎么当债权人提出错了吗? A mistake that makes you look terrible to potential employers and landlords?一个可怕的错误,让你潜在的雇主和房东看? Oops, not their problem.不巧,不是他们的问题. It's your responsibility to find and correct their error.这是你们的责任,找到正确的错误.

I bet many people have been turned down for jobs and are paying more for their insurance because of a mistake in their credit report that a bank made years before!我打赌,许多人已经拒绝工作,更是为他们的保险,因为在他们的信用报告出错了几年前一家银行!

9.9. FEES, FEES, FEES学费,学费,学费
Late fees, overlimit fees, annual fees, bla, bla, bla.逾期费,超限费、年费、血乳酸、血乳酸、血乳酸. And they're going UP!而莲雾起来! It's like being robbed at gunpoint in an alleyway by a guy in an Armani suit!它就像一个持枪的家伙,在一个小巷时装西装!

Come on, give me a break!来吧,让我休息! Does it really cost the bank $35 if you're late by one day with your payment?银行是否真的成本35元,如果你迟了一天你付款? I doubt it.我很怀疑.

Actually, you may not have been late at all.其实,你可能没有后期可言. The bank may have just credited your account late and charged you anyway.你可存入银行帐户刚落底,反正你. see the article, "One Day Late--Yeah Right!"见文章"迟一天--嗯权"! to read more about this.多阅读有关情况.

Banks make 47% of their revenue from fees!银行做出47%的收入来自学费! Don't ever let a fee go.不要老是让费走. Call the bank and make them waive that fee, and if they don't, PUNISH them by doing business with another institution.电话银行,并使其免收学费,如果不去惩罚他们做生意另一个机构.

10.10. CREATE MORE WORK创造更多工作
I remember as a kid when my parents brought in the mail.我记得我父母为孩子带来的邮件. I used to ask, "Is there anything for me?"我曾经问:"我有什么"? What's was their response, "No, only bills."什么是他们的反应:"不是,只是法案"

Freakin' bills!freakin法案! That's all that's in the freakin' mail.这一切的在freakin'送达. And you have to read the details or they'll freakin' get you!你要详细阅读或是freakin'取你性命!

CONCLUSION结论
The only way to fight back is to use one bank against the other.只有这样还击是用一个银行针对另一方. They need our business so we need to reward the banks that are good to us and punish the ones that take advantage of us.他们需要我们的商业银行,须有良好的奖励和惩罚那些对我们利用我们.

Banks are a business like any other.像其他银行业务. They're job is to service you and I. If we don't like they way they treat us then it's time to do business with another bank!他们的职责是为您服务、导如果不喜欢他们对待我们,那么他们的时间做别的银行业务! Don't ever be "brand loyal" unless that bank has been "customer loyal."千万不要被"品牌忠诚"除非该银行一直"客户忠诚" Meaning that they've always given you their best rates and service!这意味着他们就整天给你最好的利率和服务!

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Beacon Score灯塔评分

This is the credit score that creditors look at when determining if you are credit worthy.这是信用评分,债权人在确定如果你看信用值得. The Beacon Score is determined by negative entries such as late payments which would decrease your score or a positive, timely payment history on your accounts, which would increase your score.灯塔是由消极比赛得分如逾期付款将减少你还是得分了积极你及时付款历史的帐目,而你的分数会增加.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Chapter Thirteen (13)十三章(13)

In a Chapter 13 agreement, the court creates a debt repayment plan that allows the filer to keep their property.在协定第13章,法院创造了偿债计划,允许保留他们的财产备案. In order to file for Chapter 13, a person must have a source of income and promise to pay part of their income to creditors.为了立案13章、一个人不能没有经济来源,许诺向债权人支付部分收入. The court allows the filer to keep any assets that have debts against them if they make payment on them under Chapter 13s.法庭允许保留备案反对任何资产,假如他们的债务支付他们育章. A Chapter 13 filing will remain on a credit report for 10 years.一章13月存档仍将信用报告就是10年. With Chapter 13, there is a better chance of obtaining future loans and credit.与13章,有机会获得更好的前途和信用贷款.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Christian Debt Management基督徒债务管理

Is Christian Debt Management right for you?是基督徒债务管理权吗?
Managing debt can be a difficult task.债务管理,可以有相当大的困难. High interest rates, fees, and extended repayment terms may mean you end up repaying several times the original amount that was borrowed.高利率、收费、延长还款条件可能意味着你落得清退金额数倍原来是借来.

This is where Christian Financial Consultants can help.这是基督徒可以帮助财务顾问. Through our Christian Debt Management program and extensive network of not-for-profit resources, we have found common ground for our clients and more than 12,000 creditors nationwide.基督徒债务管理计画,并透过我们广泛的网络不以营利为资源我们找到共同点,为我们的客户和债权人全国12000多个. By reducing or eliminating interest rates and fees and by restructuring monthly payments, we can help you to make significant progress on your debt every single month.通过减少或消除利率调整每月支付的费用,我们可以帮你对你的债务方面取得重大进展,每单月.

For free information about how our Christian Debt Management program can work for you, please fill out the form on the right.免费资料基督徒债务管理计画如何能为您的工作,请在正确填写表格.

Credit Card Overpayment Refunds信用卡超额退款

Getting Your Overpayment Refund越来越多贵退款
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Dear Scott,亲爱史葛

I receive your newsletter and love it.我接受你的爱和通讯. Very helpful!很有帮助!

Recently I have taken out a debt consolidation loan.最近我已经购买了巩固贷款债务. From application for the loan and closing on the loan was 3 months.从申请贷款和封闭贷款是3个月. The consolidation loan included preprinted checks made out to each of the creditors (5) with the total balance owed at the application time.巩固贷款包括印制检查出每个人的债权人(5)在欠平衡总申请时间.

The problem was that during the 3 months before closing I had been paying the minimum payment, so when the loan closed and the checks were issued the check amount was higher then the actual balance.问题是,在3个月前,我曾付出最低闭幕金所以当封闭贷款的检查,共发出检查当时的实际负债额高.

I have received credit checks from all of the creditors for the difference but one.我收到的信用检查各债权人分别只有一个. The one I have sent 2 letters to the customer service address request the account be closed and issue the check.一信给我送2个客户服务请求到解决问题的封闭和检查.

It has been 2 months with no response from the creditor.据2个债权人无反应. I have received 2 statements showing the credit.我已收到2报表显示信贷. What is the next step to getting the money back?什么是下一步越来越还款?

They owe me $179.00 to much money to walk away from.欠我179.00元钱给顶着. What is very upsetting to me is that, if I owed them money, I would have to pay late fees, interest and get marks on my credit report.什么是对我很恶心,如果我欠他们钱我要付出学费晚,标志着我的兴趣和取得信用报告.

Sincerely,敬祝
Aimee亲爱

Aimee,亲爱的,

Thanks for writing!写作感谢! I love your attitude!我爱你的态度!

They should be required to pay you a late fee!他们应缴纳逾期费您! But doubt that will ever happen but maybe someday a law can be added to the books that would require late fees due the consumer in this situation.但相信不会出现,但也许有一天,有法可列入本书,逾期需费因消费者这种局面.

I have certainly been in similar situations.我当然一直在类似情况. By making an overpayment to any creditor, you create a credit balance.由债权人作出任何超额你创造信用余额. That credit balance must be returned to you.信用余额,必须还给你. You asked for a check twice and they haven't sent it.你问了两次检查,并没有发.

Here's what I would do...这里的::我会这样做

1) I'd call and speak to a customer service rep to see what's going on with the check.1)我的客户服务电话,讲了证见怎么回事与检查. Maybe they sent it and the "check is in the mail."也许他们派和"遏制是在邮件"

2) If I still didn't receive the check, I'd use the credit card for my normal shopping, groceries, etc. Once I spent $179 I'd stop.2)如果我还没有得到遏制,我为我的正常使用信用卡购物,杂货,等我一旦停止我花179元. If I went over $179 I'd pay them the difference and never use the card again.如果我去我就会付出179多美元的差额,不使用卡.

3) Here's a technique you can try if you don't mind more hassle.3)这里的技巧你可以尝试,如果你不介意更麻烦. I would do it because I'm also interested in finding out the results of creative financial techniques and telling everyone what happened.我这样做,因为我也有兴趣了解的结果告诉大家的技术和金融创新什么事. If I had credit checks issued on that credit line I'd write myself a check for $179 and deposit it into my personal checking account.如果我的信用贷款额度,检查稿我自己写了179美元支票存到我个人的查核帐目.

There a few possible complications with this: (1) if they have already sent you a check for $179 then it would be a cash advance and subject to cash advance fees (2) even if they haven't issued the check they may still try to charge you a cash advance fee, even though it's your money!有几个可能的并发症有:(1)如果你已经派出一个检查179美元现金,那么它是一个进步和现金预受费(2)即使没有新闻检查也许会找你现金预先收取学费、即使你的钱! In fact, I would bet they would charge you the fee.事实上,我打赌他们将负责你的学费. If I received a statement, after writing the check, that the $179 brings my balance to zero (plus a fee), because it's my money, and they charged me a cash advance fee, I'd call the bank and ask to have that fee waived because they never sent me the credit check.如果我收到了言,写了检查后,我带了179元,余额为零(另加费),因为这是我的钱我提前收取现金,他们费我呼吁世界银行和要求,因为他们从来都认为费寄给我的信用检查. They'd probably argue and say it's still a cash advance to which I would reply, "it's not an 'advance' against my credit line because it's not a loan, it's my own money!"他们早早大概争辩说,它仍然是一个现金推动我答复"这不是'提前'路线,因为这对我的信用不贷款,它自己的钱"! If they still didn't waive the fee I'd formally dispute the charge.如果他们仍然没免收学费我正式否认控罪. I don't know if you want to make a mountain out of a molehill however, it is an option.我不知道你拍小题大做但它是一种选择.

4) Same as (3) but use the card at an ATM or do a cash-advance at a bank.4)(3)相同,但卡在自动柜员机或用做现金银行提前.

Please let me know the outcome of your situation--thanks!请让我知道你的情形成果--感谢!

Regards,问候
Scott斯科特

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Credit Repair信用修复

Debt can build up and become more and more difficult to manage.建立和债务越来越难以管理. High credit card interest rates make the situation even worse.信用卡利率偏高,使情况雪上加霜. Our credit repair counselers can help you reduce your debt and repair your credit.我们可以帮你降低信用修复counselers您债务和修理你的信用.

We negoitiate with your creditors to reduce your interest rates and consolidate your debt into a single, manageable monthly payment.我们negoitiate减少你与你的债权人你的债务利息和巩固成一个单一、易于管理按月支付.

Simply fill out the form on the right for a free Credit Repair counseling session.仅仅在正确填写申请表格免费修理信用辅导面谈.

Debt Burden债务负担

The borrower is servant to the lender.借款人向贷款人是仆人.
Proverbs 22:7箴言22:7

The financial cost财务费用
We all know there is a financial cost to indebtedness.大家都知道有一个财务成本欠债. High interest rates, fees and extended repayment terms mean the debtor ends up repaying several times the original amount that was borrowed.高利率费延长还款期指债务人下首清退金额数倍原来是借来.

Resolve your obligations解决你的义务
There is a vast difference between meeting your obligations every month and actually resolving them.女性有很大差别,其实每个月会解决你的义务. This is where Christian Financial Consultants can help.这是基督徒可以帮助财务顾问. Through our extensive network of not-for-profit resources, we have found common ground for our clients and more than 12,000 creditors nationwide.通过我们广泛的网络不以营利为资源我们找到共同点,为我们的客户和债权人全国12000多个. By reducing or eliminating interest rates and fees and by restructuring monthly payments, we can help you to make significant progress on your debt every single month.通过减少或消除利率调整每月支付的费用,我们可以帮你对你的债务方面取得重大进展,每单月. This provides a ray of hope and a promise of freedom.这提供了一线希望和自由的承诺. The net result will be freedom from debt in a fraction of the time that would be required otherwise.最后的结果将免于债务所需的时间,否则需. To find out how Christian Financial Consultants can help, request a confidential free quote or call our toll-free counseling helpline.找出可以帮助基督教财务顾问,要求免费引述一份机密或打免费咨询热线.

A step on the right path一踏上正途
There is a solution.有一个解决办法. Allow yourself and your loved ones to live a simple life as God intended.让你和你的亲人简朴生活,上帝打算. Rather than just meeting your obligations every month, why not begin to resolve your obligations?会议而非义务每个月你为什么不首先解决你的义务? To find out how Christian Financial Consultants can help, request a confidential free quote or call our toll-free counseling helpline.找出可以帮助基督教财务顾问,要求免费引述一份机密或打免费咨询热线.

Please fill out the form on the right for a free counseling session.请在正确填写申请表格,免费咨询会议.

Debt Negotiation债务谈判

Debt Negotiation债务谈判
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Question问题

I need to know if this will really work.我要知道,如果这样是否可行. It makes me very nervous in not paying my bills so they can be negotiated.这使我很紧张,所以他们在票据拒付我可以谈. I talked to DEBTCO and I got very excited that I could be out of debt in 3 years but when I got the papers (contract) I felt a little uneasy.我和我谈过debtco得非常兴奋,我可以在3年内摆脱债务但当我得到的文件(合同)我感觉有点不自在. Should I be uneasy?难道我会放心? Should I think more about consolidation?我应该想想巩固? Please help me make the right choice.请帮助我作出正确的抉择. I really need help with my debt.我真的需要我帮助的债务. Thank you.谢谢. --Jackie--济

Answer答案

Jackie,济、

Thanks for writing!写作感谢!

I do not know all the details for DEBTCO however, I'm certainly familiar with negotiating for payoff terms with credit card banks.我不知道所有的细节debtco但是我当然熟悉洽商与信用卡支付银行.

It's been my experience that credit card banks will negotiate settlements with customers who are having trouble.这是我的经验,信用卡银行与客户协商定居点正在吃麻烦. And "having trouble" does include not being able to make their payments.而"麻烦"是否包括未能做出付款.

My impression is that you're a good money manager and can find a way to pay your bills by using your credit options.我的印象是,你可以找到一个好的经理和金钱的方式来支付你用你的信用票据期权. You don't want to be late because you know that would really hurt your credit history.你不想迟到,因为你知道你真的伤害信用历史. Worst of all, paying late may increase the cost of your outstanding balances if banks penalize you by raising your rates--not to mention all the late fees and other penalties.最坏的情况,逾期缴纳的费用可能增加你银行余额惩罚你如果你提高利率--更不用说所有已故的费用及其他处罚.

My guess is that they (DEBTCO) want you to stop paying so you'll fall into the category of being in trouble and, therefore, it will be much easier for them to settle your accounts.我的猜测是,他们(debtco)要你做,你就会停止支付属于被麻烦,因此,将大大方便他们结贵帐户. Even if they can settle your accounts for less, which is probably the case, the settlement will be reported in your credit history and will certainly not look pretty to future lenders.即使你只占定居,这也许是这样,定居点将会在您的信用报告,将历史与未来绝对不是漂亮放款.

Okay, so I've written a lot of words so far but really haven't reached a conclusion.没关系,我写了很多话,但真的至今没有定论. This is because there's always a trade off.这是因为都有过贸易. You can do what DEBTCO says and probably (not definitely) have them settle your accounts for less thus saving you money.你能做什么debtco说,他们可能已经解决(不肯定)你只占节省你的钱.

BUT you risk the consequences of not paying your bills on time which can be further-reaching than the penalties on the accounts you want to settle.危险的后果,但你不能按时支付你们法案可以进一步深入比惩罚你想要解决户口. Lately, many banks have changed their policies to include clauses that give them the right to raise your rates if you're late paying other creditors!近来许多银行已经改变其政策,包括条款权交给他们,如果你把你的税率缴纳逾期其他债权人!

Here's an example of that from my Citibank card: "If you default under any Citibank Card Agreement because you fail to make a payment to us or any other creditor when due, you exceed your credit line, or you make a payment to us that is not honored by your bank, we may increase the ANNUAL PERCENTAGE RATE (including any promotional rate) on all balances to a default rate of up to 24.99%."这里的一个例子,从我花旗银行牌:"如果你错失任何协议花旗卡付款,因为你不能让我们当债权人或任何其他原因,你超过你的信贷额度,或者你可以不付款给我们,你们纯阳银行我们可能每年增加的百分比率(包括任何推广率)余额为所有坏帐率高达24.99%."

What to do?怎么办?

I never want to tell people what they should do.我想告诉人们从来如何是好. Ultimately you should base your decision on what you have learned.你最终决定要根据你您所知. Speak with people that you trust to help you make our decision.与人说话,你要帮你的信任,使我们的决定.

However, I can tell you what I would do if I were in your position.不过,我可以告诉你,我会这样做如果我是你的位置.

I would call each bank that you want to settle with and ask to speak with their "settlement department."我想请你们每一行,并要求同定居发言与其"定居处" Tell them that you're going to be having trouble paying your bill and that you may even be considering bankruptcy (which you may have to sometime), but you want to find out your options for paying off the account in full if they reduce how much you need to pay to "settle" the account.告诉他们,你一定会产生麻烦你付帐单,甚至可以考虑破产(你可能要一段时间),但是你要找出你选择全额清偿账户如果你需要付出多大减少"收拾"户口. For example, if you owe $5,000, tell them that you can pay it off in full for $2,500.举例来说,如果你欠5000元,告诉他们,你能够付得起过足2,500元.

They may say that you must pay it off in ful,l or they may offer other payment plans or even reduce the interest rate to zero.他们会说,你必须支付它全长起飞,他们可以提供左旋或其它付款计划,甚至降低到零利率. They will need to be convinced that you really need help otherwise they won't consider settling the account for less than the outstanding balance.他们必须能相信你真的需要帮助,否则他们不会考虑解决的帐户余额不足.

Just make it clear to them that you'll be talking to a bankruptcy attorney to explore that option.只是让他们清楚,就会跟破产检察探索,选择. Tell the bank that if they can offer you something reasonable you'll work with the bank, or else you'll be forced to consider the bankruptcy option.银行告诉你一件事,如果他能提出合理的包包与银行否则就会被迫考虑破产方案.

What I'm suggesting is that you try to settle the accounts yourself first.我要提出的是,你们自己先尝试算帐. You may not be able to get better payoff numbers than DEBTCO but it's possible that you can.你可能无法得到更好的收益比数debtco但你可以播出. Also, you may be able to avoid the problem of not paying your accounts on time.同时,你能不能避免的问题,您帐户按时发放.

I'd be happy to look at your contract with DEBTCO and give you my opinion on what they're promising.我乐意看你们合同debtco给你我认为他们许诺什么. You can send it to me by email or fax to (609) 660-1412.你可以把它给我的电子邮件或传真(609)660-1412.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards, Scott问候,斯科特

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

How many cards are too many?卡太多多少?

Scott, you have too many credit cards!斯科特,你有太多的信用卡!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Scott,史葛
I read your article in which you state that you have 80 or so credit cards.我看了你的文章,你说你有80多张信用卡. I'm not sure why this is advantageous.不晓得为什么这是有好处. I have cancelled all but one card which I pay in full each month and by no means see my "options" (to get into debt, I guess) as being restricted.我已全部取消,但我一卡,每月支付全额决不见我的"选择"(进入债务我猜想)为限.

For instance, I did need to carry a balance for 3 months to pay for an engagement ring at the beginning of this year.比如我本来要带一个平衡付出了3个月的接触,在今年初环. All I did was charge it to my everyday card, which has a lousy rate but gives me perks, get a new card with a low rate so I paid almost no interest for those three months, then closed that card when it was paid.我只是把它给我每天收取卡,拥有率不怎么样,但给我恩惠,找到新卡率这么低,我几乎没有付出利息为三个月然后关闭该卡时支付. This is actually better than calling the banks for the best rate because the cards with the perks almost always have the lousy rates, so you're better off putting it onto one of those cards, and then transferring it to a lower rate card, then you get the perks.这实际上是要求比银行利率为最佳,因为卡与恩惠几乎始终不怎么率所以你把它推向一个较好的卡,然后转移到一个低税率卡,那么你就得到恩惠.

The problem with having multiple cards that go unused is that potential creditors will count available credit against you when you apply for a mortgage or a car.有问题,无法使用多卡将是潜在债权人提供信用票反对,当你申请按揭或汽车.

Also, the more open accounts you have, the greater the chance of being defrauded.另外,你有更多开户,被骗的机会更大. Having only one card is by no means restrictive there are hundreds of companies who would give me a card after a 5-minute phone call.只有一卡绝非限制性的公司有数百人给我卡后5分钟电话. I just don't see the point in keeping cards that aren't being used open.我不明白这一点,不适合用卡开. --Keith--基思

Answer答案
It's true.这是真的. Between my wife and myself (joint accounts) we have over 80 credit cards!我的妻子和我之间(联合帐户)我们有80多张信用卡!

WARNING, I am NOT advising anyone to go and get 80 credit cards!警告,我不告诉任何人去领80张信用卡! The more credit lines you have available, the greater the probability you'll increase your debt, obviously.你越是信贷额度可用,你的概率就越大,你就会增加债务,明显.

So why do I have so many cards?为什么有这么多卡?

There are many reasons:有很多原因:

1) When I borrow money I want to have many loan options.1)当我借钱贷款我想有很多选择. About half of my accounts are offering me low-rate transfer deals all the time!约半数账户我向我低利率全部转让交易时间! I have purchased used cars with my credit cards at 0%!我有我的信用卡购买旧车在0%! And because I have so many cards I can continue to transfer the balances and keep the rates less than 4% all the time.因为我有很多卡余额可以转移和继续保持利率低于4%的心境. I've been doing that for more than 10 years!我已经做了十多年!
2) I'm into this topic, saving money on credit cards.2)我为这个话题时,信用卡省钱. How can I write about credit cards if I don't have credit cards?我如何写,如果我没有信用卡,信用卡? How can I verify good credit card offers if I don't ever receive or use any?我如何验证信用卡提供良好如果我不接受任何使用或任何?
3) I actually enjoy trying to uncover the true costs of credit.3)享受我其实试图查明属实信用成本. I need lots-o-data!我需要大量邻数据!
4) Who would you want writing about credit...someone who hasn't had or used a credit card for 25 years or somebody who deals with credit cards all the time?4)谁会想要写::有人一直没有信用或者使用信用卡或25年有人针对信用卡吗?

I don't carry a balance on all of those credit cards.我不把所有的平衡信用卡. If I did, then this article would be about bankruptcy not being "debt smart."如果我这样做,那将会对这篇文章的破产并非"债务聪明"

If you think 80 credit cards are a lot then how many do you think the worlds record is?如果你认为有80多张信用卡那么您觉得多少世界纪录?

According to the Guinness Book of World Records Walter Cavanagh of Santa Clara, CA is "Mr. Plastic Fantastic" and blows me away with a total of 1,397 unique accounts!据<吉尼斯世界纪录的沃尔特Cavanagh合圣克拉拉,钙是"盖塑料神奇"、打击我取消户口共1397独特! I couldn't even image juggling that many credit cards.我连形象不可开交,许多信用卡.

Next, your strategy for using a card that gives you perks, at 0% for purchases, is good.接下来,用你的策略,使你恩惠卡28780%采购,是好的. You used the perk card then transferred the balance to a low rate card.你用振作卡余额转卡率为低. When you were done you closed all the accounts.当你做你关闭所有帐户. That's great!这伟大!

I personally don't close the accounts as long as the banks aren't charging me an annual fee.我个人并不密切的银行帐户,只要我不收取年费. I keep them open because they ALWAYS give me a great offer within a couple months after my balance goes to zero.我让他们给我开了很大,因为他们总是在数个月之后,我提出去余额为零. I don't want to keep applying for new accounts and closing accounts.我不想把户口申请新帐户和闭幕.

It is true that you're going to have a difficult time getting a mortgage if you have many open credit lines--even if the balances are zero.诚然,你一定会产生一种越来越困难的时候,如果你有许多露天抵押信贷额度--即使余额为零. That's because the bank doesn't want you to have the potential to get into credit card trouble since it could affect their mortgage profits.那是因为你不想向银行有可能陷入麻烦,因为它会影响信用卡按揭利润.

How many cards are too many?卡太多多少?

When you apply for a mortgage the bank may ask you to close some credit card accounts before they grant you a mortgage.当你申请按揭银行可要求你关闭一些信用卡帐户,才给你抵押. When I purchased my home I had 24 credit card accounts and I got the mortgage with no problem and no questions asked.当我买了我的家,我和我的24信用卡帐户无抵押的问题,并无所问. Each bank has it's own lending policies.它每行的贷款政策.

As far as having a greater chance of becoming a victim of fraud, I doubt the number of cards is going to make you a greater target.据有更大机会成为被害人诈骗我怀疑有多少证你要去更大的目标. In the last email newsletter my friend, Robert Gamble, told his story of identity theft where someone was trying to get new credit lines in his name.在过去的电子邮件简讯的朋友罗伯特赌博他的故事身分窃取别人那里得到新的信贷额度试图在他的名字.

Actually, when you think about it, someone would have a difficult time getting new credit in my name.其实,当你想想看,有人有困难的时候越新的信用我的名字. If they tried they'd probably get rejected because I have so many accounts right now.如果他们试图直截了当拒绝,因为我有可能得到这么多的户口现在. If I only had 2 accounts open then it would be much easier for someone to defraud me with identity theft.如果我有2只开放帐户那就更容易为我提供了一个身份盗窃诈骗. Ironic isn't it?讽刺不是吗?

And since I don't carry all those credit cards with me, I only carry 2 in my wallet, I don't have to worry about losing the actual cards.既然我不把所有信用卡,所以我只能把钱包2、我不用担心失去实际卡. Also, I keep a list of all the items in my wallet just in case I do ever lose it.另外,我把所有的物品清单钱包以防万一我不断失去. Plus I have every account and every phone number in a database so I can contact each bank if there ever was a problem.加上我每到一个数据库,并在每个电话号码可以让我接触了各银行如果有任何问题.

You said that you don't see the point to having that many credit cards.你说,你一点也看不出有很多信用卡. The point is a personal point, Scott's choice, for Scott's reasons.个人的一点是一点,演奏的抉择,他演奏的原因. It works for me and may not work for everyone.它是我和大家可能不工作. I attribute getting out of debt to having all those credit cards.我走出属性拥有所有的信用卡债务. I learned how to beat the system by being immersed in it and developing good "Credit Card and Debt Management."我学会了打制和发展好它正沉浸在"信用卡和债务管理"

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Transfering Credit Card Balances信用卡余额转移

Credit Card Balance Transfers信用卡余额转移
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Scott,史葛
I would like to use a credit card introductory rate to pay off a bank loan.我想用信用卡介绍银行贷款利率偿还. I will need to borrow $13,000.00 credit to pay off the loan.我要借用元13,000.00信用还钱. In order to do this, I will need to open two new credit cards, preferably with 0% interest for 6 months.为了做到这一点,我将要开放的两个新信用卡最好是0%利息六个月. I would then like to transfer the balances on those credit cards to new credit cards with low introductory rates.然后,我希望这些信用卡余额转移到新的信用卡利率低的介绍. How often can I continue to transfer to new cards with introductory rates?我可以继续多久转移到新卡介绍费率?

I have heard that if my credit report shows too many credit card company requests within one year that I will be turned down for new credit cards.我听说如果我太多信用报告显示信用卡公司要求在一年内,我将不会因新信用卡. I have also read that I can request credit card issuers not to run a credit report on myself--so that my credit report will not show that I have applied for several credit cards in a short period of time, and thus I would be extended credit by new credit agencies.我也看过,我可以要求发卡不是办个人信用报告--不要让我的信用报告显示我已申请了数张信用卡,在较短的时间里因此我将扩展新的信用征信. I thought all credit card companies would only issue credit if they first run a credit report on the applicant.我以为所有信用卡公司的信用问题,如果只办一次申请信用报告. Is this true, or do the companies automatically run a credit report on the applicant every time a balance transfer request is made?这是真的,还是公司自动申请开办信用报告每次转让要求是平衡?
--Gail--gail

Gail,gail,

Thanks for writing!写作感谢!

You're being very DebtSmart® by transferring your balances to lower rates.你把你很debtsmart®余额降低利率. Zero is always the best rate!零利率总是最好的! Right now I have four cards offering me 0% for one year!现在我有40%卡给了我一年! Actually, I just got a fifth offer yesterday that I will also take advantage of to see if there are any tricks.其实,我昨天刚刚获得第五届给予我也会趁来看看有什么花招.

You can continue to transfer your balances to lower cards in perpetuity!你可以继续降低卡余额转移你永远! My experience is certain proof of that result.我的经验证明了这一点是可以肯定的结果. I have been transferring my balances to low rate deals for over a decade.我一直把我的低利率交易余额超过十年. About 6 years ago I was told that these deals would end however, they've only gotten more frequent.大约6年前,我被告知,这些交易将结束,但他们已经只能买到更频繁.

Last year credit card companies mailed 5 billion credit offers!去年信用卡公司提供信用5000000000邮寄! That's up from 3 billion in the year 2000.那是由2000年的30亿元. I doubt it's going to be slowing down anytime soon.我怀疑这将是首次出现趋缓. And because of that fact the consumer is in control!而事实上,由于是在控制消费! We have the power to decide which banks we spend our money on to buy their money.我们有权决定我们所花的钱,银行的钱购买.

It is true that when you apply for credit the bank looks at how many credit-inquires are shown on your credit report.的确,当你申请看有多少银行的信贷信用查询说明你信用报告. The more inquires the more negatively it could, and I must stress, could, be in giving you the new credit line.越研越不利可能,我要强调,可能可以给你新的信贷额度. Just because you have many inquires doesn't mean you're going to get turned down for new credit.因为你回国不代表你一定会获得新的信用拒绝. Each bank has it's own criteria for determining who and how much credit to allow.各家银行有自己的准则,让他们多少信用.

By the way, your current creditors also take a look at your credit from time to time.由这样,你的这次也来看看你的债权人信用不时. This too shows up as an inquiry to your credit report.这表明,作为太贵信用调查报告. I have a dozen inquires on my report and it has never stopped me from getting new credit.我有十几研报告,并就我走我从未停止新贷款.

Most importantly is that you have paid on time.最重要的是,你必须按时支付. Don't be late!不要迟到! That's is what will hurt your chances in the greatest way.那是什么会伤害你的机会最大. Of course, judgments and repossessions don't help as well.当然,人们收回不利于己的.

If you do get rejected for credit always remember to request a copy of your credit report.如果你得为信用牢记请求驳回一份你的信用报告. You should always request a copy of your credit report from the credit reporting agency that supplied that data to the creditor that rejected your application.你应该总是要求一份你的信用报告,从信用报告机构提供的数据,向债权人拒绝你们申请. And you get this report for free if you request it within 60 days of being rejected.而你,如果你免费得到这个报告后60天内请求被拒绝. Be sure to review that report for errors and dispute inaccurate information.可以肯定地说,报告检讨错误和不准确的信息争端.

You cannot request that a bank does not look at your credit file.你不能要求银行不看你的信用档案. Well, I guess you could make that request but they would say, "okay we won't look but you won't be receiving any credit from us."好,我猜想你可以请求,但他们会说,"没关系,我们是不会坐视但你不会接受任何来自我们的信用"

I doubt it's a standard for banks to review your credit report prior to completing a balance transfer on an existing account.我怀疑它的一个标准来审查你的银行信用报告完成之前就存在一个平衡转移到. However, they have probably warned you in their account terms that they can look at your credit report at anytime.不过,他们警告说,可能在其帐目上,你可以随时看你的信用报告.

The bottom line here is that: 1) It's smart to transfer your balances to lower rates 2) Credit inquires may or may not hurt you depending on each banks criteria.这里的底线是:1)它的转你聪明余额降低利率2)信用查询可能不伤害你们靠每个银行的标准. 3) If you are rejected for credit always get a copy of your report and check it for error.3)如果你总是拒绝得到一份你的信用报告,并检查它的错误. And take a look at all the credit inquires.看一看所有信用查询.

Good luck!好运!

Regards, Scott问候,斯科特

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Will Debt Consolidation affect my credit rating?债券信用评级将影响我整理?

Creditors often consider debt consolidation programs a positive sign, that shows that you are putting serious effort into repaying your debt.债权人的债务,往往综合考虑节目一个积极的迹象,这显示你正认真考虑欠你的债务. As you begin to repay your debt as part of a debt consolidation program, your credit rating is likely to begin to improve.正如你开始偿还债务,作为你的债巩固节目您的信用评级可能开始好转.

For free, no obligation information about how debt consolidation can help you pay off your debts and improve your credit rating, fill out the form on the right.免费、无责任资料整理债务如何能帮助你还清债务,你的信用评级提高贵,在正确填写表格.