Question by : Do I need to add a credit card account to purchase something on Amazon with gift cards?
I recently made an Amazon account because I have multiple gift card codes I want to put in. My main question is, do I need to put in a credit/debt card on my account to even be able to purchase anything with my gift cards balance? Please answer.
Answer by Calvin C it is not going to work you will need to call customer service and place your order so they can process multiple cards
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Question by Emogene C: Add credit card debt amount to new home purchase?
I have about 25K in credit card debt. I am planning to buy a 540K house. Currently I have great credit, is it possible to add my credit card debt into the home loan in order to make it a single monthly payment. What is the loan program called? I am shooting for 5 yr. ARM. Me and my wife plan to live there for about 3-4 yrs.
Answer by urbanbulldogge Dont know if you can combine them into one loan.
What you can do though is after you purchase the home, take out a home equity loan to pay off the credit cards – still two different bills a month, but should get a better interest rate on the home equity loan.
I dont think you can get a mortgage to cover both since the mortgage is a secured loan – the house is collateral for the loan – while credit card debt is unsecured.
Question by JP: What should I do about my credit card debt?
I recently had to defer my salary at my job for an extended period and cannot afford to pay my credit card debt. What should I do? A friend advised me to not make the next payments and negotiate with credit card companies on the debt. Is this wise? Would you advise I do something else? Thank you.
Answer by Tnzzzzz http://tinyurl.com/quickcashsurvey
Question by RunsWithKnife: How do you consolidate credit card debt if you do not own a home?
I owe about $ 12,000 in credit card debt and I wanted to make that my year’s goal to pay it off, but a lot of the websites I find require that you own a home, or charge a huge interest for someone to “negotiate” with your creditors to bring down interest. Does anyone know of a good resource where I can just consolidate the debt and make one reasonable payment?
Answer by good grief Get a job and save your money and payoff your debt and cut on your expenses. That is the only way you pay off debt.
Question by IU Hoosier: How do people run up so much credit card debt?
I had never really thought about this before, but how do people run up thousands of dollars of credit card debt when every card has a credit limit? Do they just have really high credit limits or have many different credit cards?
Answer by Casmouse They start up with really good credit so they have higher limits, then the economy gets to them then they buy everything they want until they go bankrupt.