amb6487 asked:

I want to pay off and close all my credit cards, will this help my credit at all?
It is pretty bad right now.
Everyone keeps saying to leave one open, however, I don’t have a card that has a reasonable interest rate due to some bad decisions when I was younger. I really just want to close them all, why is this not a good idea?

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new ro asked:

please don’t tell me…don’t buy things you cant afford, i should use a debit card ETC.. i know this already thank you =) i need a card that has a low interest rate and no annual fee.. i will only be charging about 400-500 a month and i will most likely pay 100% of it at the end of the month or no less then 85% of my balance by the end of the month! please help me!

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pendy49 asked:


I was able to negoiate and close CCs and set up other credit cards on low 2-3% interest rate 5 year plan…The bank will not negotiate my other $20K…has anyone ever refused to pay off a credit card & settle with the bank

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pendy49 asked:


I was able to negoiate and close CCs and set up other credit cards on low 2-3% interest rate 5 year plan…The bank will not negotiate my other $20K…has anyone ever refused to pay off a credit card & settle with the bank

Caffeinated Content – Members-Only Content for WordPress