# Credit Rates **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [July 22, 2009, 5:59am UTC](https://forums.speedlife.net/t/credit-rates/70900 "2009-07-22T05:59:54Z")\ **Posts on this page:** 18\ **Page:** 2
**Author:** ![boxxa](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/boxxa/32/5045_2.png) [@boxxa](https://forums.speedlife.net/u/boxxa)\ **Post date:** [July 22, 2009, 11:26am UTC](https://forums.speedlife.net/t/credit-rates/70900/21 "2009-07-22T11:26:41Z")
> [@theblue](#): > > I’m saying a normal debt consolidation, not the ones you see on TV where they reduce balances. Oh cool. And this is a service through banks or do I need to look around for companies? Seems like “debt consolidation” is used all over now. ---
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [July 22, 2009, 11:26am UTC](https://forums.speedlife.net/t/credit-rates/70900/22 "2009-07-22T11:26:54Z")
You use the checks. If you have to, call and confirm that the checks are valid for the 0% balance transfer rate. ---
**Author:** ![dubbin91](https://avatars.discourse-cdn.com/v4/letter/d/ecccb3/32.png) [@dubbin91](https://forums.speedlife.net/u/dubbin91)\ **Post date:** [July 22, 2009, 11:32am UTC](https://forums.speedlife.net/t/credit-rates/70900/23 "2009-07-22T11:32:52Z")
> [@boxxa](#): > > Thank you. You seem to have some knowledge in this subject so here is my next question. > > I have 4 major credit cards open. Two have no balance and there is two that have the expenses I have talked about. If I move the one card that has the crazy interest rate to that card, do you suggest closing the two cards that are not used? > > How do companies look at unused cards? Do they see that I have the ability to rack up X amount of debt or do they see the history with the card since one of them I have had for almost 8 years. > > Ahh that offer I can not use. Citi is the card that is screwing me. Haha. Keep them all open. Closing them with hurt your credit utilization. ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [July 22, 2009, 11:37am UTC](https://forums.speedlife.net/t/credit-rates/70900/24 "2009-07-22T11:37:07Z")
> [@boxxa](#): > > Oh cool. And this is a service through banks or do I need to look around for companies? Seems like “debt consolidation” is used all over now. any normal credit union should be able to help you out if the numbers work. Avoid any of the TV ads or places that look shady. ---
**Author:** ![Locutus](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/locutus/32/7574_2.png) [@Locutus](https://forums.speedlife.net/u/Locutus)\ **Post date:** [July 22, 2009, 11:44am UTC](https://forums.speedlife.net/t/credit-rates/70900/25 "2009-07-22T11:44:34Z")
:tup: to paying off all credit cards every month… then you wouldn’t have this problem… ---
**Author:** ![dubbin91](https://avatars.discourse-cdn.com/v4/letter/d/ecccb3/32.png) [@dubbin91](https://forums.speedlife.net/u/dubbin91)\ **Post date:** [July 22, 2009, 11:46am UTC](https://forums.speedlife.net/t/credit-rates/70900/26 "2009-07-22T11:46:52Z")
> [@boxxa](#): > > Oh cool. And this is a service through banks or do I need to look around for companies? Seems like “debt consolidation” is used all over now. Only go through a bank or credit union, but make sure its a normal loan and is used for consolidation where you pay off all your other debt and just have 1 payment. The other companies out there will kill your credit score. ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [July 22, 2009, 11:46am UTC](https://forums.speedlife.net/t/credit-rates/70900/27 "2009-07-22T11:46:54Z")
the guy had medical problems, give him a break. ---
**Author:** ![boxxa](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/boxxa/32/5045_2.png) [@boxxa](https://forums.speedlife.net/u/boxxa)\ **Post date:** [July 22, 2009, 1:04pm UTC](https://forums.speedlife.net/t/credit-rates/70900/28 "2009-07-22T13:04:42Z")
> [@dubbin91](#): > > Only go through a bank or credit union, but make sure its a normal loan and is used for consolidation where you pay off all your other debt and just have 1 payment. The other companies out there will kill your credit score. Thats some good thinking. I will talk to the credit union next to my office tomorrow about this and see what they suggest. It would be nice to put my car and credit cards into one payment. Thanks ---
**Author:** ![travisn](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/travisn/32/5046_2.png) [@travisn](https://forums.speedlife.net/u/travisn)\ **Post date:** [December 18, 2009, 10:56am UTC](https://forums.speedlife.net/t/credit-rates/70900/29 "2009-12-18T10:56:22Z")
> [@Joe](#): > > If you want to get your TransUnion credit score (one of the 3) and experiment with what opening or closing accounts would do to your score, sign up at [creditkarma.com](http://creditkarma.com). I pull my score weekly there for free. bump. I just recently found out that some BS credit monitoring service has been charging me 13 bucks a month since january becuase supposedly I checked my credit in january with trans union and signed up for a 30 day free trial which expired and started charging me monthly. They say I have had an account with trans-union from 05 when i pulled my report (which I did) but I havent checked my credit since 07 and would definitely not sign up for some monitoring service. I am disputing it with HSBC now. I have also stopped that service and they have credited my card for decembers ‘payment’. (btw, I never check my statement because I dont use the card regularly, I am focusing on paying down the balance.) regardless, is this [creditkarma.com](http://creditkarma.com) legit? I dont want to put myself into the same situation, but I would like to know what my score is. I also plan on getting my free report soon, but those dont include a score. ---
**Author:** ![slow84ta](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/slow84ta/32/7265_2.png) [@slow84ta](https://forums.speedlife.net/u/slow84ta)\ **Post date:** [December 18, 2009, 11:14am UTC](https://forums.speedlife.net/t/credit-rates/70900/30 "2009-12-18T11:14:38Z")
I tried [CreditKarma.com](http://CreditKarma.com) awhile back, no problems… Not the best source, but free you can’t complain. They never ask for any credit card numbers either :tup: ---
**Author:** ![psphinx81](https://avatars.discourse-cdn.com/v4/letter/p/e9a140/32.png) [@psphinx81](https://forums.speedlife.net/u/psphinx81)\ **Post date:** [December 18, 2009, 11:20am UTC](https://forums.speedlife.net/t/credit-rates/70900/31 "2009-12-18T11:20:56Z")
only CC i use is 0%, but even then whatever i put on it gets paid off once i get my bill ---
**Author:** ![newman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/newman/32/7569_2.png) [@newman](https://forums.speedlife.net/u/newman)\ **Post date:** [December 18, 2009, 12:11pm UTC](https://forums.speedlife.net/t/credit-rates/70900/32 "2009-12-18T12:11:35Z")
Every year I seem to have like 15 grand in CC debt by xmas, but usually I pay it off w/ my bonus. I just need to get it turned around so I have no CC debt at xmas and can spend my bonus throughout the year. haha. ---
**Author:** ![JustinH](https://avatars.discourse-cdn.com/v4/letter/j/9fc29f/32.png) [@JustinH](https://forums.speedlife.net/u/JustinH)\ **Post date:** [December 18, 2009, 6:07pm UTC](https://forums.speedlife.net/t/credit-rates/70900/33 "2009-12-18T18:07:23Z")
I have a couple cards with no balance, paid every month. I have an AMEX card that I never use, only for premium car rental insurance and stuff like that. AMEX jacked the rate to 22% (from 8%), and they reduced the limit. No loss to me, I only use the card a couple times a year. ---
**Author:** ![08GT500](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/08gt500/32/5417_2.png) [@08GT500](https://forums.speedlife.net/u/08GT500)\ **Post date:** [December 18, 2009, 10:42pm UTC](https://forums.speedlife.net/t/credit-rates/70900/34 "2009-12-18T22:42:25Z")
> [@JustinH](#): > > I have a couple cards with no balance, paid every month. > > I have an AMEX card that I never use, only for premium car rental insurance and stuff like that. > > AMEX jacked the rate to 22% (from 8%), and they reduced the limit. > > No loss to me, I only use the card a couple times a year. I just called AMEX yesterday regarding my Blue card. My APR for purchases jumped 5% in November from 10.24 to 15.24. After about an hour discussing all options a ailable to me, they reduced my rate to 14.24…:lol: ---
**Author:** ![Avatar](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/avatar/32/5076_2.png) [@Avatar](https://forums.speedlife.net/u/Avatar)\ **Post date:** [December 19, 2009, 5:05pm UTC](https://forums.speedlife.net/t/credit-rates/70900/35 "2009-12-19T17:05:12Z")
I highly recommend watching this: [http://www.pbs.org/wgbh/pages/frontline/creditcards/](http://www.pbs.org/wgbh/pages/frontline/creditcards/) You could probably find a torrent somewhere. ---
**Author:** ![deebo](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/deebo/32/5218_2.png) [@deebo](https://forums.speedlife.net/u/deebo)\ **Post date:** [December 19, 2009, 5:13pm UTC](https://forums.speedlife.net/t/credit-rates/70900/36 "2009-12-19T17:13:23Z")
> [@Joe](#): > > Dude, do you actually do any research into these things or just make generalized statements about everything Obama is for that are wrong? You post complete generalized bullshit about a lot of his positions. I think being in the South is going to your head. You’re lucky this isnt the politics forum or u would be banned!!! :ohnoes: edit: I dOnt remember if we had a politics forum in july lol, didnt see the date ---
**Author:** ![travisn](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/travisn/32/5046_2.png) [@travisn](https://forums.speedlife.net/u/travisn)\ **Post date:** [January 11, 2010, 9:01pm UTC](https://forums.speedlife.net/t/credit-rates/70900/37 "2010-01-11T21:01:06Z")
slightly relevant bump. dec 18th my credit score at [creditkarma.com](http://creditkarma.com) was a 609. today its 697. I am pretty pumped. all i did was pay off my cards to below 30% utilization. I am so pumped. ---
**Author:** ![travisn](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/travisn/32/5046_2.png) [@travisn](https://forums.speedlife.net/u/travisn)\ **Post date:** [February 5, 2010, 9:53pm UTC](https://forums.speedlife.net/t/credit-rates/70900/38 "2010-02-05T21:53:48Z")
yep. 702! and it still doesnt reflect that I paid off the 1200 balance on the 3k loan I got out in june… [Previous page](https://forums.speedlife.net/t/credit-rates/70900.md?page=1)