credit card company scams

credit card company scams

NSI - Greed Made in America - Sticker / Decal $2.95 Officially Licensed Sticker designed by NSI. Decal measures approximately 6.75" x 2.25"....

Identity Theft Protector $0.50 Don't let identity theft happen to you!Is your personal information safe? You might be surprised by the answer. Boost your security and your peace of mind with Identity Theft Protector.   According to the FBI, identity theft is the fastest growing crime in America. Minimize your risk of identity theft ? and maximize recovery, too ? using the comprehensive collection of easy-to-use tools,...

The Wall Street Journal Online: One-Year Online Subscription $99.00 It's a newspaper, it's a Web site--it's all of the information that comes rolled up in every edition of The Wall Street Journal and much more, available online. Anyone who wants to stay on top of U.S. and international news, especially economic and technology-oriented stories, will find The Wall Street Journal Online to be a valuable asset. Forbes has called it "simply the best business news ...

2 Year CPS Consumer Priority Service Extended Warranty for Video Game Consoles Under $1,000.00 $199.99 eBidds Inc. has proudly partnered with Consumer Priority Service (CPS) to offer several Extended Warranty Services. Extended Warranties may not only be purchased for products you are currently buying from eBidds or have bought from us in the last 30 days, but also products purchased from other legitimate retailers. An Extended Service Plan is generally an extension of your original manufacturer's...

Natural Cures They Don't Want You To Know About $2.99 This is an amazing journey through the behind-the-scenes world of corporate-sponsored 'nutrition' and 'health' as well as providing essential information on natural cures that can change for the better the way you live the rest of your life....

Debt Cures They Don't Want You to Know About $0.28 Are you getting deeper and deeper into debt while they make bigger and bigger profits? Not after you read...Debt Cure$ They Dont Want You To Know About!In this new book, Kevin Trudeau blows the lid off the banking and credit card industries, exposing the greatest rip off of our citizens in this nations history. The credit card industry is one of the most profitable industries in this country, but ...

The Art of the Steal: How to Protect Yourself and Your Business from Fraud, America's #1 Crime $5.31 Author Frank W. Abagnale knows something about fraud--he once committed it for a living. "Through my various hustles, I passed something like $2.5 million worth of checks, a blizzard of paper that I scattered in earnest throughout all fifty states and twenty-six countries, all before I was legally allowed to drink," he writes. "I was proficient enough at cashing fraudulent checks that I earned the...

Identity Theft Protector $0.50 Don't let identity theft happen to you!Is your personal information safe? You might be surprised by the answer. Boost your security and your peace of mind with Identity Theft Protector.   According to the FBI, identity theft is the fastest growing crime in America. Minimize your risk of identity theft ? and maximize recovery, too ? using the comprehensive collection of easy-to-use tools,...

The Wall Street Journal Online: One-Year Online Subscription $99.00 It's a newspaper, it's a Web site--it's all of the information that comes rolled up in every edition of The Wall Street Journal and much more, available online. Anyone who wants to stay on top of U.S. and international news, especially economic and technology-oriented stories, will find The Wall Street Journal Online to be a valuable asset. Forbes has called it "simply the best business news ...

2 Year CPS Consumer Priority Service Extended Warranty for Video Game Consoles Under $1,000.00 $199.99 eBidds Inc. has proudly partnered with Consumer Priority Service (CPS) to offer several Extended Warranty Services. Extended Warranties may not only be purchased for products you are currently buying from eBidds or have bought from us in the last 30 days, but also products purchased from other legitimate retailers. An Extended Service Plan is generally an extension of your original manufacturer's...

Natural Cures They Don't Want You To Know About $2.99 This is an amazing journey through the behind-the-scenes world of corporate-sponsored 'nutrition' and 'health' as well as providing essential information on natural cures that can change for the better the way you live the rest of your life....

Debt Cures They Don't Want You to Know About $0.28 Are you getting deeper and deeper into debt while they make bigger and bigger profits? Not after you read...Debt Cure$ They Dont Want You To Know About!In this new book, Kevin Trudeau blows the lid off the banking and credit card industries, exposing the greatest rip off of our citizens in this nations history. The credit card industry is one of the most profitable industries in this country, but ...

The Art of the Steal: How to Protect Yourself and Your Business from Fraud, America's #1 Crime $5.31 Author Frank W. Abagnale knows something about fraud--he once committed it for a living. "Through my various hustles, I passed something like $2.5 million worth of checks, a blizzard of paper that I scattered in earnest throughout all fifty states and twenty-six countries, all before I was legally allowed to drink," he writes. "I was proficient enough at cashing fraudulent checks that I earned the...

NSI - Greed Made in America - Sticker / Decal $2.95 Officially Licensed Sticker designed by NSI. Decal measures approximately 6.75" x 2.25"....

Dopp Recruit Credit Card Billfold - Brown $21.59 Dopp-Recruit Credit Card Billfold

Ossington Camden Credit Card Case - Brown $31.99 Ossington-Camden Credit Card Case

Ossington Bedford Credit Card Wallet - Black $47.99 Ossington-Bedford Credit Card Fold

Rowallan Kevin - Credit Card Wallet - Black $31.99 Rowallan-Slim credit card wallet

Anuschka Credit and Business Card Holder - Jaipur $45 Anuschka-Credit and Business Card Holder

Buxton Houston Credit Card Billfold - RFID - Black $22.39 Buxton-Credit Card Billfold with removable card case

Buxton Luciano Credit Card Billfold - RFID - Black $22.39 Buxton-Credit Card Billfold with removable card case

Does anyone one know of a good(non scam) credit card consolidation company?

OK, let me add a few details…My credit is still good and I pay my bills on time. I also agree that I would NEVER do a home equity loan either, exactly for the reason one person said. I also live in Texas , which is a debter state. Credit cards are a unsecured loan, and in this state they can not garnish your wages or put you in jail for credit card debt. I’m not really even interested in “getting my debt cut in 1/2″ or anything like that, just make it one payment a month, rather than 6 or whatever credit cards I pay every month. I wasn’t aware that those offers will ruin your credit either. I know it’s my fault I’m in the debt I am, and just trying to figure out how to pay my debts and not ruin my credit a bit easier.

Yep. It’s called “The Bank of Laurie”. No company can do anything for you that you can’t do yourself. And they are generally scams. Also keep in mind that you can’t borrow your way out of debt, so don’t look for other loans. You just have to be diligent and go this alone. You should go to your local public library and check out books by Dave Ramsey. He is an advocate of the “debt snowball” method and an expert on teaching people about their consumer debt.

For you, since you want to have fewer bills, what you do is list your credit cards in order from the one with the highest total balance to the one with the lowest total balance. On the first 5 cards, you pay the minimum required. On the last card, you pay everything that you can. That is, take your net income, subtract the first 5 cards’ minimum payments, subtract your necessities, such as rent and food. Whatever is left, you send to the last credit card. Do this each month until it is paid off.

Note that there is no deduction for “wants” when you are deep in consumer debt. You should only spend money on your “needs” and your debt at this time. Once you get out of debt, you will have money left over each month for “wants”.

OK, now you have the last CC paid off. Put that card away and don’t run it up again. Now keep paying the minimums on the first 4 cards, and send everything that you have remaining to the 5th card. Do this each month until that card is paid off.

The amount that you send to the 5th card will be more than you had to send to the 6th card, since you don’t have to pay the 6th card any more. This is why it is called a snowball. The amount that you send to the card that you are working on gets bigger and bigger over time.

Repeat until all of your CCs have $0 balances, and be sure not to run them up again. Don’t put anything on your CCs that you can’t pay off at the end of the month.