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Question? - cLaY - 08-16-2005

I have a credit card bill with "A" balance, a charged account for "B" amount for the woman's wedding ring, and "C" amount left on my truck payment.

Is it possible to lump all these charges into one and pay a payment a month at a good interest rate?

I'm new to the finances' world. SRO.

Question? - Jimmy - 08-16-2005

Debt consolidation loan. Interest rates are usually ghastly.

Question? - Jimmy - 08-16-2005

Just buy shit outright. It's way easier. :lol:

Question? - cLaY - 08-16-2005

Jimmy Wrote:Just buy shit outright. It's way easier. :lol:

If I were made out of money, that is what I'd do.

Any recommendations? how high of a rate are we talking here?

Question? - Jimmy - 08-16-2005

Most of these loans are tailored for people who aren't paying their bills at all. If this is not you then a line of credit from your bank is your best option.

Question? - Fairiedust - 08-16-2005

Jimmy Wrote:Debt consolidation loan. Interest rates are usually ghastly.

Agreed, but i would suggest using a Credit Union....they have better interest rates...and they are owned by the users unlike a bank with hidden fees etc.

Question? - TomFoolery - 08-16-2005

If you die then you don't have to worry about this shit and your fiance won't be responsible for paying the bills. I suggest you charge a bunch of stuff then get in a fatal car "accident".

Question? - cLaY - 08-16-2005

Jimmy Wrote:Most of these loans are tailored for people who aren't paying their bills at all. If this is not you then a line of credit from your bank is your best option.

So basically, if my credit is good, which its damn near perfect, I should be able to go to my bank or a bank and get a decent interest rate?

TomFoolery Wrote:If you die then you don't have to worry about this shit and your fiance won't be responsible for paying the bills. I suggest you charge a bunch of stuff then get in a fatal car "accident".

Already being considered. I'll send that slutty cunt your way once I croak.

Question? - Jimmy - 08-16-2005

cLaY Wrote:So basically, if my credit is good, which its damn near perfect, I should be able to go to my bank or a bank and get a decent interest rate?

Don't know how it works in the US but here LOC interest rates are usually prime + 2% or about 7% I think. Plus you can pay more than the monthly amount without penalty. I.E. after a good night at the track. :lol:

Question? - Odysseus - 08-16-2005

easy solution, if you don't have the cash in the pocket or the money in the bank, DON'T BUY anything you can't afford.

Question? - cLaY - 08-16-2005

Odysseus Wrote:easy solution, if you don't have the cash in the pocket or the money in the bank, DON'T BUY anything you can't afford.

truck breaks down, it cost 200 bucks to fix it, what do i do?

Question? - WoolyGoat - 08-16-2005

Odysseus Wrote:easy solution, if you don't have the cash in the pocket or the money in the bank, DON'T BUY anything you can't afford.
That's not a solution, numbnuts, that's prevention.

Question? - SporK - 08-16-2005

Why would you buy a woman a ring? Didn't you learn anything from me?

Tsk tsk.

-SPork

Question? - ntype - 08-16-2005

do like me, put a limit lower than your monthly income on your credit card (at the beginning got a low one because I was student; anyhow now I'm happy with that...not a risk).