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The DolansKen & Darian Dolan

The Dolans use their vast expertise on all money matters to answer personal finance questions, ranging from taxes to saving for college.

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    309 comments

    Slevchenco 01:28:16 PM Jan 24 2009

    How about when you actually pay your cc on time every month nnever late never miss a payment , and then they for no reason what so ever lower your credit limit , which makes your FICO score drop, then the other CC Co. see your lower score and do the same thing or just not approve you for something you would have gotten if the 1st CC Co ( Sams Club) didn't do it to begin with, can some one please tell me how they can do that , them doing that are the ones who damaged my credit by doing so , even though I paid the 100% as I should never late , etc for 4 years that I had that account I feel like sueing them for ruining my credit , there has to be some kind of trouble they can get into for doing that to me........( Very fustrated in PA)

    KailingMA 07:27:44 PM Jan 18 2009

    Aren't there usury laws anymore? Also, a debt should be removed after seven or so years, but that doesn't happen anymore; they just keep adding interest to a debt that is 25 years old. (Sears did this to me over a bed we bought our son at age ten---he's 32 now!! My husband agreed to pay when we got divorced, then years later Sears is calling me because the account was in my name because the ex had lousy credit.The bed cost $100 and they want $16,000 from me! Sheesh!

    Nmsewell 12:21:35 PM Sep 04 2008

    I’m the kind of person that uses their credit card for *everything* (even the most trivial purchases—like transactions under $1.00) because I hate carrying cash (especially coins), and I can track all my purchases. But because I’ve never carried a balance and always paid in full, I thought I was ok, until I read this article (I know the bank already hates me for not carrying a balance). Bank of America has been offering me a ‘payment holiday’ for last 16 months (I don’t have to make my $10 minimum payment—it’s always been $10, despite how much or how little I’ve charged to my card), but I’ve never taken their bait. Last month I got my Chase Visa (my back-up card) bill 5 days before it was due, leaving like no grace period, so I’ve severed my ties with them. My grace period (30 days) is important because that’s my interest free loan. I once had an accounting professor that said the best time to make a large purchase on your credit card is right after your bill cu

    Davidejack 10:49:19 AM Sep 04 2008

    Recently, I have been informed that the Credit Card Companies...Banks...are loaning all of this so called "money" without the funds to back it. Is this not illegal?? How can they "loan" a trillion dollars to credit card holders when they only have a billion backing it? Then they charge us the outrageous fees and interest on money they don't even have? I don't understand it all, but if they are doing this, IT IS ILLEGAL! Will someone who knows law and understands what I am trying to say please explain?

    retunivac 03:43:20 PM Jul 07 2008

    owwsetton.................are you a credit card shill ?

    Hwystargogo 11:32:07 AM Jul 07 2008

    one day i got a check for about 6,000.00 dollars in the mail. i didn't appliy for it and all that was stated is the payment amount. i was not employed, i'm raising my two grand children. I've moved to texas from cali. I have since found out the deffered payment is 27,000.00 I have more then paid off the princeble and i will pay no more. They had me agree to a payoff amount by paying 572. for 4 months. I told them i wanted a letter stating this. after four requests no letter ever came. my statments still said I had a 9,000.00 balance. I will not take food out of these kids mouths any longer i don't care if they ruin my credit. this is a big company. as far as i'm concerned they can take a flying leap.

    Subsinn1 02:22:54 AM Jun 20 2008

    WAMU are the worst of all the Credit Cards Company. They going to keep on raising your interest rates because they can. My interest rate are over 31% and keep going up. I am glad their whole entire company are going down the drain and laying off thousands. They get what they deserve. Bad thing happens to bad people and WAMU you guys are the worst.

    BostonRanger175 01:45:57 AM Jun 05 2008

    WaMu I agree with the Statements about WaMu. They great and friendly during the loan process but once they got you, yo. u're better off dealing with the mob. I ca only hope that there are some changes in banking pratice and give some control back to the consumer. Only postive thing that come out of dealing with WaMu how to approach future lenders in the future. But in the mean time I tell anyone I know if you get anything from them to throw it away. If you choose to deal with them drill them into the ground on all aspects of there contract and keep good accurate and easy to reach records. You will need them.

    HJSBach 12:53:52 PM May 31 2008

    Call the issuer if you receive convenience checks. I had some stolen from an ordinary mailbox. I didn't know those checks were coming, and they were not with my monthly statement, I'd never used any and didn't want them. Someone else wanted them, stole them from my mailbox - and the first thing I knew of them was the bill I got from the bank for $750.

    Call and tell them not to send ANY to you. And get a locking mailbox, as we did.

    DWidow21 11:37:52 AM May 31 2008

    People pay attention....Credit cards are the loan sharks of years ago ...they are the new day MAFIA................They may not break your knees any more cause they found a new way to break you permanantly.................KILL YOUR SPIRIT>>>>SCREW THEM ALL

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