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Very good information for consumers (Reply to this comment)
by jlava73
It was nice to see some things layed out in a format that is understandable to the consumer.
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Jul 20 '01
1:08 pm PDT
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This is a good extensive opinion. (Reply to this comment)
by uribou
Thanks for taking the time to write this.
/uribou
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Jan 05 '01
12:26 pm PST
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I had a version of #4 happen to me (Reply to this comment)
by Rose66
but the credit card company changed my address without my telling them to and I never got my statement which had a charge for four tires for my husband's car on it. Three months later, the credit card company calls me, asking about the late payment. I managed to finagle myself out of ALL late charges AND finance charges, but they did raise my rate of interest. They lost me as a customer because I simply paid it off, canceled it and was happy to become a new customer with a better company!
You make a lot of sense here regarding credit cards! Your review should be required reading for everyone who is getting their first credit cards!! Tina
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Nov 21 '00
7:19 pm PST
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Thanks-a bit too late though!! (Reply to this comment)
by britlady62
Wow,the part about $10.00 cash advances that actually cost $21.00!! No wonder!.I have at least $32,000 in credit card debt and I am trying to pay it off.I have cut most of them up.I vow never to apply again - until next week at least!!(very much a joke people).It is very addictive and too handy.
I think your opinion was very eye-opening and I will take in to consideration the helpful tips.Thank-You!
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Sep 15 '00
8:24 pm PDT
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Absolute best advice I've heard (Reply to this comment)
by Wynell
Having my own credit ordeal I always pay attention when I hear advice. Your epinion was well written, well educated, and well worth it. You really took the time to explain and expand on the run-of-the-mill advice most people post.
I have a very small list of trusted members you are definately a part of it from now on.
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Sep 13 '00
12:44 pm PDT
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Did you know my father? (Reply to this comment)
by Darkmistress
Horror story #8 sounds like my dad except that he never would have called for help. I need to print out this review and force it into tha hands of a few people. Thanks.
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Aug 18 '00
5:24 pm PDT
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Well done! (Reply to this comment)
by MARIEROY
And I bet many of us find a little bit of ourselves in this review.
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Apr 20 '00
6:20 pm PDT
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I'm in Trouble (Reply to this comment)
by viper1963
Me too, I have been there done that! Imagine this: Property tax, home/auto insurance, flood insurance and other bills all came due this month. Oh, man, how I wish money grew on trees!
Very informative review!
Steve
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Apr 20 '00
12:58 am PDT
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Re: where were you (Reply to this comment)
by netKat
Congratulations!
It sounds like you're making excellent progress! You should write a review! :)
Kat
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Apr 17 '00
6:26 am PDT
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Re: Great Info. (Reply to this comment)
by netKat
I know what you mean, I have trouble decyphering those myself! :)
Thanks,
Kat
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Apr 17 '00
6:25 am PDT
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Re: Statements? (Reply to this comment)
by netKat
Beware. Cutting up the cards does not close the account. Be sure you contact the Creditors and let them know that you would like the account closed.
Also, tell them you would like "closed at the request of the account holder" noted in your credit file.
Thanks for reading :),
Kat
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Apr 17 '00
6:24 am PDT
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Re: where were you (Reply to this comment)
by netKat
It's not too late. :)
Kat
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Apr 14 '00
12:05 pm PDT
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Re: Statements? (Reply to this comment)
by dollface74128
Ugh...I had that rude awakening early this week. I went through my wallet and cut up all those store cards that I only opened because I could get 10 or 15% off, or some cheesy little trinket that wasn't worth the cost of having the card in the first place!!
Thanks netKat for lending your insight.
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Apr 07 '00
10:56 am PDT
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It's Amazing... (Reply to this comment)
by nikki1976
...how people just go plastic-crazy and never - for even a second think of what it'll do to them in the future...it's really sad, but ignorance is never bliss. I know this review will keep atleast a few people from getting burned. Excellent job!
Nikki
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Apr 05 '00
5:50 pm PDT
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Statements? (Reply to this comment)
by pogomom
You mean I have to pay all this back?
Guilty of holding more credit cards than any one person needs or should have, your reviews served as a wake up call. I just went through my spare wallets and discovered I have cards for the sake of having cards. Not too bright and a bummer were I to need some emergency credit at some future time. The chances of being turned down for having too many cards is pretty great.
Thanks for the rude awakening (thou art never rude, my darling pal) and for the outstanding review.
xoxox Helen
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Apr 04 '00
11:49 pm PDT
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Re: where were you (Reply to this comment)
by daagui
Netkat, you are saving me more than you could ever know! Last year I was over 13,000 dollars in debt. I made a commitment to myself to get totally out of debt, including cars. At this point in time, I am only 7,000 dollars in debt. One year and I'm half way there. It seems like every time I start to lose my will power, you write a finance review. I can't thank you enough. Please keep them coming. Annah
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Apr 04 '00
10:28 pm PDT
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where were you (Reply to this comment)
by cddull
when i was 19 you could have saved me
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Apr 04 '00
2:59 pm PDT
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Young Adults (Reply to this comment)
by msavere
Being one of the young adults, I welcome the advice heartily! I just wish I would have known all I know now four years ago!
Mike
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Apr 03 '00
9:18 am PDT
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Great Info. (Reply to this comment)
by shartion
Thanks for a informative review in easy-to-understand language. You should write the 'terms' on these credit card agreements. Would make much more sense than they do now.
Great Review!
~Shar~
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Apr 03 '00
6:01 am PDT
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Great topic, (Reply to this comment)
by Annie_Crane
All of the young adults need to be informed of this before they jeopardize their future with credit. It does not just happen to older adults. I was working for the first time at fifteen, by eighteen I had established my own credit (with the help of my parents). From there I was responsible for so much that it was pulling me down financially, socially and mentally. Be prepared when you take that step!
Great job!
Ac
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Apr 03 '00
5:45 am PDT
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Excellent Epinion! (Reply to this comment)
by chpsk8
That said, I thank you for taking the time to write this.
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Apr 03 '00
4:55 am PDT
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