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Discussion in 'Credit Talk' started by Brandi, Jan 17, 2001.
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RE: Need some help...new to cr
Penalties? How about interest!
if you pay ontime, for the rest of the year, the credit card company will love you, you'll have given them about 20% of that $2000, or $400 in free money to them.
You will have pretty good credit after you pay it all off Assuming you don't have any bad stuff now.
no penalties, unless your late or dont pay it
RE: Thanks SAM!!!
Thank You VERY much Sam!!! I appreciate the help...you put it very well for me!
Two more things to consider:
(1) You need a credit card with a limit of slightly more than $2000. Then, you can freely spend the $2000. Otherwise, you will violate your agreement and pay penalties for exceeding your limit.
(2) You need an actual credit card like Visa or MasterCard, not a charge card like American Express. With a charge card, you have to pay off the whole balance the next month. With a credit card, you can choose to pay only a small amount each month and then pay interest on the rest.
RE: Additional Points
ALSO...remember that car rental agencies, hotels, and pay-at-the-pump gas stations many times over-authorize the charge...
JUST FOR POINT OF INFORMATION...
If you have extra cards...you can pre-authorize with one card at check-in, and pay the final bill with a second card.