Recent content by Ivanna

How exactly does the credit card reward system really work? If I have a lot of debt, which I'm slowly but surely paying down, can I still redeem my credit card rewards? Will they go to waste if I'm in too much debt, or are the two things not even related?

I'll go right ahead and give you two cents: I don't believe getting a Christmas loan is a good idea. Especially in my case, I already have debt to pay off, so getting another loan on top of it all is not OK! However, there are many people who simply can't afford to make Christmas fun, so a...

I'm in a bit of an awkward situation. I need a payday advance, but my credit score is far from good (I'm in deep credit card debt, unfortunately). Can someone please help me out? I really need to know which lenders offer payday advances without credit checks!

How will everyone spend their Thanksgiving this year? I'll be flying home, to visit my family, as I do every year. I can't wait! I leave tomorrow! I wish someday I'll be able to host Turkey Day and fly everyone to my place for a change, but that's not gonna happen in the near future. Besides...

Thank you so much for trying to help! Well, right now, I have almost $14,700 in credit debt (this number was higher but I try to lower it every chance I get!), I live by myself (so, I pay for everything with my salary, no one else helps) and I don't even earn a lot (less than $25,000 which is...

Do any of you use an identity theft protection service? I've never had my identity stolen but I'd like to be able to protect myself, just in case. I already have a lot of credit card debt and my credit score has suffered like, a lot! All that's missing is someone making everything worse! So...

Is it true that by using charge cards you actually avoid credit card debt? How are they different? They say they don't charge fees if you pay the bill in time and they don't have a credit limit, so how come charge cards aren't more popular than credit cards? What's the catch?

I fear debt collectors will soon come after me :( Maybe I'm a bit paranoid, but it's a thought I just can't get out of my head! Has anyone ever dealt with debt collectors? Do they really just use certain threats to scare people (like, come after my home over my credit card debt!) or can they...

What's everyone's opinion about this? Would you say getting a loan to pay off small debts is a good or a bad thing? Thing is, I know debt consolidation is still debt, but I thought we could debate on the subject a bit, I'd love to hear other people's opinion about the ups and downs.

I need some help! Fast! They say the first step to solving a problem is admitting you have one.. well here it is: I somehow :rolleyes: :( managed to build up quite some credit card debt and, while I'm slowly paying it off, I'm afraid I'll never manage to get rid of it. My parents don't know I'm...