Brock Landers said:
well obviously there is a GOOD REASON why you can't get that card, if you cant pay a lousy capital one why would you be able to get a higher credit line
I hope this bill that you intend to forget about is about a very high balance.........and that you have a house already and don't intend to ever get credit again for a good while, the black eye in your credit report will imply that much
For what's it's worth, I had an issue with MBNA years ago , and they came at me hard. There was an amendment I agreed to called binding arbitration. Due to circumstances at the time, I got in over my head, and was having difficulty paying the minimum balance, so I just decided to quit paying them. It took about 9 months, but I was served with a notice that my account was being taken to binding arbitration, with a place in Minnesota. They awarded MBNA a judgment, and have a law firm based in NC that had lawyers licensed(sp) here in Florida that could enforce the judgement. Fortunately, they settled before enforcing the judgement. So my advice would be to read the terms on your account. If there's nothing in there about binding arbitration, and you don't mind a credit hit, quit paying, if you can't afford it.
Personally, with the enormous interest rate a lot of the cards these days, you can long pay back the amount you borrowed while still owing a ton, so don't get caught up in any moral dilema. They do no due dilligence and extend credit to those whose are a high risk to default, and then cry foul. So F' em. But the realities of credit today are real. There has been some good advice in this thread concerning transfering the balance and a credit service...
Everybody is different, but the only credit card I use today is a debit/credit card. If I don't have the cash in the bank, I don't buy it. Since you are on this site, it's probably not a stretch to assume you gamble. If you are gambling money that you could be using to pay your bills, check yourself.
Good luck.
Personally, with the enormous interest rate a lot of the cards these days, you can long pay back the amount you borrowed while still owing a ton, so don't get caught up in any moral dilema. They do no due dilligence and extend credit to those whose are a high risk to default, and then cry foul. So F' em. But the realities of credit today are real. There has been some good advice in this thread concerning transfering the balance and a credit service...
Everybody is different, but the only credit card I use today is a debit/credit card. If I don't have the cash in the bank, I don't buy it. Since you are on this site, it's probably not a stretch to assume you gamble. If you are gambling money that you could be using to pay your bills, check yourself.
Good luck.
wow what a bunch of winners. why people use credit cards when they have no intentions of paying them off or paying at all is beyond me. you owe a credit card money, you dont have the cash to pay the thing off so you call them and ask if you can pay half and thats it? lol...and they say no so you say fvck 'em then? they dont deserve anything? oh my!
why is that? its not there fault you have cash management/financial issues. so go around a stiff your whole life. stiff your loans, credit cards, etc. wow, i sure hope you dont plan on having kids. what if you get divorced, gonna stiff on child support also?
will keep my comments to myself on this one as i have nothing nice to say and will draw my own conclusions, but its fairly obvious.
stiffs have to wake up every day and look at themselves in the mirror knowing they are stiffs and sorry excuses of the male gender. scum of the earth.
clowns that cant pay there bills and or debts have no reason to live. irresponsible m-f'ers. most ridiculous shit ever. deadbeats to society.
:nohead: :nopityA:
why is that? its not there fault you have cash management/financial issues. so go around a stiff your whole life. stiff your loans, credit cards, etc. wow, i sure hope you dont plan on having kids. what if you get divorced, gonna stiff on child support also?
will keep my comments to myself on this one as i have nothing nice to say and will draw my own conclusions, but its fairly obvious.
stiffs have to wake up every day and look at themselves in the mirror knowing they are stiffs and sorry excuses of the male gender. scum of the earth.
clowns that cant pay there bills and or debts have no reason to live. irresponsible m-f'ers. most ridiculous shit ever. deadbeats to society.
:nohead: :nopityA:
Other than a bad credit rating you most likely have nothing to worry about if you stiff them. If they call you don't hide from them; talk to them very briefly and make sure you threaten to sue them if they continue calling. For more info go to www.budhibbs.com. And remember, all you're doing is stiffing a bunch of crooks; nothing wrong with that.
maxdemo said:
i don't know for sure,but don't taxpayers have to pick up these student loans?
if so,nice to know i paid to send you to college,but have many relatives that can't afford to send their kids to school.however i guess i could tell them to take the deadbeat route.
amazing how kind most of you have been to someone in a gambling forum,talking about stiffing someone.i guess i'll never understand/and evidently the money from student loans was wasted as it did nothing for you.as dante said "BE A MAN" pay your bills. why should i (we) pay have to pay for them.
it reminds me of these car commercials going around where a lady with her 3 kids comes on "bragging" how she has had 3 bankruptcies,"but honest al has helped her get a brand new car" HOW EMBARRSSSED THOSE KIDS MUST BE! but maybe not ,they will probably grow up to be a DEADBEAT just like their parents
Go down to 1/3 and see what happens. It's like negotiating with a car salesman., which is a lost art in my opinion. You give an offer....he counters with a higher offer. Instead of splitting the difference, you go lower than your initial offer.
Basically if you turn around and stiff them, they probably won't do a thing except harrass you with phone calls. once they see you probably won't pay, they turn the debt over to a collection agency.
The only one I've ever seen do anything, is American Express, and that was 100 years ago. They've been know to attach bank accounts to get their bread.
Basically if you turn around and stiff them, they probably won't do a thing except harrass you with phone calls. once they see you probably won't pay, they turn the debt over to a collection agency.
The only one I've ever seen do anything, is American Express, and that was 100 years ago. They've been know to attach bank accounts to get their bread.
