Personal Finance Should I use a Credit Card for everyday purchases? |
- Should I use a Credit Card for everyday purchases?
- My parent filed for a chapter 7 bankruptcy using my name and ssn
- Daughter’s mother not paying medical bills associated with my insurance
- Renters Insurance Is 1000% Worth It. Get it before you need it!
- I don’t know what to do with my money
- Moving my checking account from Wells Fargo. Where to go?
- Just received a certified letter in the mail from a debt collector regarding a lawsuit for unpaid debt
- For tax purposes, if you pay for childcare, don’t forget about the increase in the Dependent Care Tax Credit. It’s pretty substantial for 2021
- Help! Just start a new job and medical insurance is outrageous. $944/paycheck
- Found some ancient stock certificates from 1937, not even sure if this company exists anymore
- Our baby was referred to a specialist who wants $2800 for a single office visit
- When people say, "Interest rates are so low it doesn't make sense to pay cash" on a car where are they actually putting their money and how do they get it back?
- What should my budget be for my first car with 5k
- I can't afford to graduate
- Past due mortgage, what are my options?
- Am I paying too much for a retirement financial account manager?
- Does the EV federal tax credit apply toward your entire income tax or just federal?
- I make $16.75/hour in Central CA and am 31. Be honest. How bad am I doing?
- Bought a car that was said to have a clean title but turns out it’s not a clean title, what can I do?
- 1099 threatened to be fired for not showing up on time, am I misclassified ?
- What to do with ESPP shares when a company goes private?
- Tax advantaged accounts besides 401k / IRA / HSA?
- Using empty credit account to pay off larger/lower interest account snowball debt - Good use for credit score impact?
- 401K Investing Portfolio Advice
- I’m looking for advice on credit consolidation.
| Should I use a Credit Card for everyday purchases? Posted: 09 Feb 2022 04:55 AM PST I've been thinking about this for a while and just curious if it will maybe affect my credit in a bad way. I have 1 credit card that I use just for gas and spend roughly $50-100$ a month. I got this just to build my credit and I've had it for 9 months and have a score of 738. I pay it off in full every month as I would do if I get another one. I want another one just for the cash back rewards. Should I just keep my one card or get another one? My monthly expenses are about $500-$700 and I would be using it on every purchase. && if I should get another card any suggestions? Background: 19 (M). [link] [comments] |
| My parent filed for a chapter 7 bankruptcy using my name and ssn Posted: 08 Feb 2022 12:16 PM PST I just found out a few days ago when I was trying verify my identity on another website. They kept asking me about mortgages so I went to check my credit and saw I had a bankruptcy. I was only eighteen when it was filed and I'm 23 now so I don't know if I can even do anything about it at this point. It wasn't up there before when I checked last year. There are at least thirteen people under the bankruptcy that my parent owes. Utilities, phone bills, places they rented from, and even places like supermarkets. I don't know what to do. I did call the bankruptcy court, but they told me there was nothing they could do and to go to the credit bureaus to dispute it. I'm just worried about getting my parent in legal trouble, but I also know based on their track record that they might possibly keep racking up apartments and such in my name. They even forged my signature on the documents. My parent put their phone number which they never changed so I know for a fact it's them. I'm honestly scared that I have more debt or bankruptcies that just haven't came up yet since it's their go to plan whenever they get in a bind. I used to get letters from collections from the places listed on the bankruptcy back when I lived with them, but my parent would just blow it off as fake letters and told me to ignore it. They knew the whole time and looked me in my face and lied to me about something so serious. I can't wrap my mind around it at all. I've never been so emotionally numb in my life. They have put me through so much already. Like I don't even know how to process this. [link] [comments] |
| Daughter’s mother not paying medical bills associated with my insurance Posted: 09 Feb 2022 08:36 AM PST Hello, Not sure if this belongs here, but I need some help. For the past year, my daughter (12) has been in therapy regarding some bullying. She's been doing great, and she enjoys it. However, her mother is not paying the medical bills that are associated with our account. She setup everything in her name, and used my insurance (daughter insured through my company). The payments are currently set up through a portal, to which only she has access to. I've been asking for 2 weeks, and she's not giving me the login info so I can pay off what we owe. We owe $300 in late fees/no show fees (daughters mom forgets sometimes), and $205 in copays. For some reason, whenever my ex goes in and pays a copay, the therapists office only charges $10, and it's supposed to be $45 (because of my insurance plan). So there is a lot of extra balance with copays. All of these bills date back to July 2021, and each month that goes by, it's effecting my credit. I've dropped around 100 points or so since last year. Even if I paid off the entire bill, and ceased future appointments, what's stopping my ex from just signing up again on my insurance? And further slashing my credit with each late bill? What can I do here? Edit: changed July 2019 to July 2021 [link] [comments] |
| Renters Insurance Is 1000% Worth It. Get it before you need it! Posted: 08 Feb 2022 09:12 AM PST Hello all! Hope everyone is doing well. We had a nasty storm come through a while ago, and I had to be in a hotel while repairs where made, and then I lost some items that had to be replaced (food, etc). Renters insurance covered most of, if not all, of it. For the low price of 12 dollars a month. If you rent, please get renters insurance. On top of helping cover lost food, destroyed items, it also covers liability. Mistakes happen, it's part of being human. But with renters insurance, you are covered (check your policy/talk to an agent to see what exactly is covered) if you destroy property accidentally, or if someone accidentally gets hurt in your apartment. Renters insurance is insanely cheap, and can even be cheaper if you bundle it with other insurance, like car insurance. Something to def look into! I hope this helps some people :) [link] [comments] |
| I don’t know what to do with my money Posted: 09 Feb 2022 03:06 AM PST I'm 26 and just started making a decent amount of money, more than I ever have before. In 2021 I made about $100K, on track to make more this year. I currently have about $90K liquid cash, $17K in debt (which I'm taking my time paying down) and no assets besides my $5000 car. My monthly expenses including rent are around $1500/month. With all that being said, I'm now looking to start putting money away little by little and start investing for the long term. I'm hesitant about investing myself for fear of losing it. I've been told just using the financial planner at my bank would be sufficient but it'd be great to hear what others think. [link] [comments] |
| Moving my checking account from Wells Fargo. Where to go? Posted: 09 Feb 2022 07:23 AM PST I have had Wells Fargo for decades, mainly due to its convenience in paying off my mortgage. Now that this is no longer an issue, I am looking to move. I rarely get cash from an ATM, and I don't really visit physical branches. I write very few checks, but I depend on Zelle quite a bit. I saw that AMEX has a new checking account service, which prompted my search. I am also considering TD, since that's where my brokerage account is, or SOFI, because I have heard good things. Every post in this sub says move from Wells, so I'm going to do that ASAP. Where to, personalfinance gurus? [link] [comments] |
| Posted: 09 Feb 2022 07:24 AM PST I'm not sure how to proceed from here. I received a certified letter in the mail yesterday from a debt collector suing me for unpaid credit card debt. This is all new to me and I fully understand this is past mistakes coming to bite me. I talked to my family and they have offered to help me pay off what is owed but my question is how do I best go about doing that? Do I contact the agency and ask them if I can pay off the debt to avoid going to court? I'm located in Indiana if that makes a difference. Any advice is greatly appreciated! [link] [comments] |
| Posted: 09 Feb 2022 09:39 AM PST We have two kids in pre-K programs and normally do the Dependent Care FSA(5k taken out pre-tax that you basically use to pay for childcare). Our childcare is normally 5 figures. As such, the Dependent Care Tax credit was 6k for multiple children. We were able to use that 1k difference w two kids in previous years. However, this year that 6k was bumped to 16k!! So, we get to use the 11k credit difference whose value is phased out based on AGI but you get something if income is less than 400k. The values for 1 kid is now 8k; was 3k. Here is where you can read more about it: https://www.thestreet.com/retirement-daily/.amp/your-money/2021-dependent-care-fsa-vs-dependent-care-tax-credit [link] [comments] |
| Help! Just start a new job and medical insurance is outrageous. $944/paycheck Posted: 08 Feb 2022 05:11 PM PST Hey all! Never post anything but I just learned something and I'm having a small breakdown. As the title says bcbs shows the family ppo rate at $944 and I get paid biweekly. This can't be right can it? I literally can't think of what else to say. Just started working and it's only my second day, I don't know what to do or think now; feeling super disappointed. Edit: after a few hours of research with the help of comments but the news is still bad. The ppo plan is the most expensive and there is hmo plan but only for Idaho. There are two different high deductible plans but for the family the cheapest one is at $657 every two weeks. The company will allow you to combine the HD plan with hsa but the company match is like $10/pay period. Here's the real kicker! The ppo plan for only me is $192/biweekly which I can afford. I will update if I learn anything of importance in the matter but in the meantime, don't be like me during an interview and only ask who the provider is. Ask for the exact amounts of cost because this could be single biggest perk or drawback of your potential new employer. [link] [comments] |
| Found some ancient stock certificates from 1937, not even sure if this company exists anymore Posted: 09 Feb 2022 08:58 AM PST Hi all, my mom and I were digging through her Ancient Documents drawer and found original shares of US Chromium Inc from 1937/38. Any clue on whether this place still exists, through buyouts or otherwise? I was only able to find some information about the geology/mining, so it may just be some failed mining venture from 85 years ago. [link] [comments] |
| Our baby was referred to a specialist who wants $2800 for a single office visit Posted: 08 Feb 2022 05:30 PM PST Editing to add an update! I am a dodo. I wish I could edit the post title to be less alarming, now. I will NOT have to pay $2800, this was a combination of me being a moron and a very poorly-worded initial email from the practice. I had a conversation with the cost estimator who said they get a lot of panicked calls about his same form email. The initial correspondence I received with "office visit" and the dollar value was only trying to convey what my insurance deductible still is, year-to-date. I feel like an idiot for not realizing that $2800 is what's currently left on my deductible. The actual cost will probably be in the $200-300s, as expected. I will get another correspondence with the dollar estimate and CPT code. So no more cause for alarm. I am really thankful for all the feedback here and I am really glad I called for the code and clarification, as many suggested. Old post: We have a 6-month-old who is just a delight and about the cutest tiny human you could imagine. A couple of months ago, we noticed some minor symptoms -- thanks, Dr. Google -- associated with a rare condition. If unmonitored, it can be life-threatening during childhood. Oof. (In fact, no words can describe the level of "Oof.") After some communication and appointments, our regular pediatrician decided she was concerned, but not sure enough to make a diagnosis. So we were referred to a specialist. Thankfully, we found out that this specialist is one of the top doctors in the country, if not the world, for this particular condition. Great news, right? Today, however, I just about fell out of my chair when we received a pre-estimate for our upcoming first appointment, which is a week away... $2800 😳 This is just for one office visit, not for any testing, follow-up treatment etc. We have the best insurance available through my employer, but the deductible is still high enough that we'd have to pay the full amount in cash. As you can probably assume, I'm in the US. This is double our monthly mortgage 😞 I would move mountains for my baby, and we are technically able to pay, but I am having so much trouble stomaching this cost estimate when we don't even have a diagnosis yet. We could just show up to hear the doc say, "He's fine," and still have to pay $2800. I guess what I want to know is... Is this in a normal range at all for an office visit? I've visited plenty of specialists and this is an order of magnitude different than anything I've ever encountered (usually $200-300). Does anyone have any tips on addressing this super high cost? Is there anyone to call, or anything that might be done? [link] [comments] |
| Posted: 09 Feb 2022 06:53 AM PST I've got equity in my car because the market is nuts right? I've also got enough saved up specifically for a down payment that depending on circumstances I might only have to borrow between $5000-$8000 for the car. However, i've also got other savings and depending on how long it takes for the car to be built (i would be able to save more) I could swing just paying cash and never having a car payment. However, then some people say things like "oh, interest rates are (or were) so low it just doesn't make sense to spend the cash, I'd rather "invest it" and get better return". Where are they putting that money? I hate car payments. I'd rather spend the cash and start immediately rebuilding my savings or just "investing" that monthly payment. If I invest money and make money on it don't I pay huge taxes on those gains? Assume I had a choice between an $8000 loan at 2.5% that I plan to pay off in 3 years or spending $8,000 in cash now. How does it make more sense to pay interest on a 2.5% loan than to just spend the cash and get that $280ish/month being put back into savings or some kind of investment? I could pay cash and then instead of loan payment put that same money "somewhere" where it could also make me money? That way when my wife's care is ready to be replaced I've got a larger cash amount to purchase it with? I've never done any stock market stuff. I only just recently had to move an old 401k into an IRA where i put it into a tech stock mutual fund in December where its lost a bunch of money because tech is down right now (but of course will go back up). I own exactly one share of stock of anything (facebook, I bought 1 share just to get my feet wet when i saw they lost 26% of their value in a single day). So I'm looking for how, what, if there are better ways to spend that down payment, or cash instead of loan, or whatever.... [link] [comments] |
| What should my budget be for my first car with 5k Posted: 09 Feb 2022 05:20 AM PST Right now I have a little bit over 5k in my saving. The plan was to save up 3,500 for a car. Then the rest of the money is just for emergency and saving. But now I feel hesitant and unwilling to spend that much. When I know I can find well maintained used car under that budget if stay patient and diligent. Should I save 6k then have 3k be my budget for a car. What would you guys I do? [link] [comments] |
| Posted: 08 Feb 2022 08:09 AM PST I am currently a student in a 5 year advanced program for my bachelors and masters. The way it works is the first year I pay for each credit I take (366 dollars per credit so, 1098 for the usual class.) After the first year though I now pay 1000 dollars a month for four years, so at total I am paying against 48 thousand dollars throughout. Now the dilemma: I am going to graduate in 2 years and a semester, which is really early. Meaning, I am going to owe 19 thousand dollars. I have tried to talk to the school about possibly continuing to pay the 1k per month and still receiving my degree, but for obvious reasons they are not interested. I feel like I have two options: either ask someone in my life for a personal favor and try to do a loan through them, or go to an agency. Except, I know nothing about loans. My parents drilled into me that loans will ruin your life so I have never considered it. But realistically, the way my program works is in a loan style repayment. So... I need help. I could just stay in school for two years but that feels like a huge waste of time. I would appreciate any advice so that I avoid making a bad decision. Sorry for any mistakes, personal finance is not my first language. EDIT: When you graduate you owe the full amount. EDIT 2: Just for the sake of the conversation, my school is accredited and is one of the biggest seminaries available run by one of the biggest Christian denominations. Sorry for not being clear about this aspect. [link] [comments] |
| Past due mortgage, what are my options? Posted: 09 Feb 2022 10:29 AM PST TL;DR: I'm 5 months behind, forbearance ends March 2nd. What are my options? First off, I know I messed up. I'm trying to get back on track. I'm in Indiana, USA if that matters. Was unemployed for 3 months during Covid and had unexpected expenses over the past 2 years. The reasoning for those expenses won't help me with the bank (non medical). I was always good with my mortgage payments, autopay makes it hard to screw up. When I lost my job in November 2020, I opted out of autopay. And missed 3 payments. Went into deep depression, even after I got a new job February of 2021. I'm still depressed, but that's not an excuse, just an explanation of why I didn't care about keeping up with my payments like a normal person would. When I first got behind, I called my loan serviced and they put me in forbearance without fuss. Where I royally messed up, I conflated the the meaning of forbearance with the meaning of deferment. So I really wasn't worried like I should have been. I was 3 payments behind with 3 months of forbearance to fix it. I thought I was getting one month closer to being caught up with each payment and had the forbearance extended. In reality I was falling further behind as I was making payments once every other month on average. Now I'm 5 months behind, about $4500 that will come due next month. I don't want to lose my house, I have no family to bail me out of my stupidity. What are my options? If really cut my expenses I can be caught up in May of this year, but that's 2 months of not being in forbearance and I'm worried the loan servicer will take some sort of action before I'm caught up. [link] [comments] |
| Am I paying too much for a retirement financial account manager? Posted: 09 Feb 2022 11:06 AM PST |
| Does the EV federal tax credit apply toward your entire income tax or just federal? Posted: 09 Feb 2022 11:45 AM PST I made 50,000 last year as a contractor and owe income tax (I have most of it saved and am filing in March). The question is simply do I get the federal tax credit for the closest filed year (aka this tax season) or for 2022 (the following tax season, and year of purchase)? Also does the $7500 credit apply toward my total tax burden or just federal income taxes? Thanks again for any help guys. [link] [comments] |
| I make $16.75/hour in Central CA and am 31. Be honest. How bad am I doing? Posted: 08 Feb 2022 03:18 AM PST I see/hear of people making "only" $50k/year, I'd feel rich if I made that. I hate my current position. My job has so many responsibilities that you would think I made a lot more. It's my fault since I have a useless degree from several years ago. I still feel like I should be doing much better. At this rate, I'll basically have to work until I die lol, at least that's what it feels like. What jobs are out there that pay decently that don't necessarily require a degree? I work in a warehouse btw and don't mind doing physical work. I want something where I won't have to take on multiple roles, that should definitely require higher pay, at least you would think. I'd appreciate any advice. [link] [comments] |
| Posted: 09 Feb 2022 11:44 AM PST I bought my first car by myself at a dealership on the side of the road. It was a cheap dealership but the price of the car was decent and the car looked a decent. I am financing a 2012 Toyota Corolla S for $2,000, the car was listed at $8,995 , I put down $7,900 and my mo they payments are $385.87/mo. The dealer told me multiple times the car was a clean title car and nothing was wrong with it, assuring me over and over. My first weird issue was I got the car December 2021 and the tags weren't ready for 2022. So I went to the dmv and they told me my car was registered as Junk. I didn't know what that meant so I asked the lady and she said "that means it's from a junk yard". And then I call the dealership and ask about it, and he says the car is clean title that he doesn't know what the dmv is talking about. And this was in January 2022 I went to the dmv. They said my car is in a 90 day process (not too sure what it is again). But I later got my tags from him after 3 days of me calling him. And then I get a call a few days ago and he tells me my car isn't a clean title car, that he can reimburse me for $1,000 and make my payments in the $200's. Is this my only option? What does not having a clean title really mean? Is it okay for me to still finance a not clean titled car? I live in California if that helps also. [link] [comments] |
| 1099 threatened to be fired for not showing up on time, am I misclassified ? Posted: 08 Feb 2022 10:08 AM PST I took this job out of desperation but it's a 1099, however recently I was told if I didn't show up at a certain time I would be fired. The boss wants employee benefits it seems like but only wants me to be paid the bare minimum. I detail cars for him and it's not worth it to show up to work at dawn just to make $60 bucks a day, and most of the time I'm waiting around for cars to show up and not being paid hourly, just per car. After looking more into it I've seen that as a 1099 I shouldn't even be put on a schedule i should be setting my own, is this true? I wouldn't mind showing up early but the boss refuses to put me as an employee, and this isn't going to work out much longer. Does this qualify as misclassification ? I feel taken advantage because I'm young, Spanish, and Hispanic, and is trying to save money. Several others have left there because of this . [link] [comments] |
| What to do with ESPP shares when a company goes private? Posted: 09 Feb 2022 11:08 AM PST The company I work for recently went private, and I had some money going into the ESPP program. Usually, after a purchase period, I would reinvest my cash back into said company's stock. However, now that it is no longer being traded, I have a couple of options. My main questions are:
Thanks! [link] [comments] |
| Tax advantaged accounts besides 401k / IRA / HSA? Posted: 09 Feb 2022 09:33 AM PST I have my 401k maxed at $61k for 2022 and a backdoor Roth IRA maxed at $6,000. I have an HSA that will be maxed by the end of the year as well. Is there anything else I could take advantage of or do I need to just put the rest of my money in an after-tax brokerage account? [link] [comments] |
| Posted: 09 Feb 2022 08:12 AM PST I have a visa card I keep at $0 with a $4,500 limit, and a line of credit with a 25k limit that is close to maxed out (23-24~ after a house purchase/big move, we are now winding down and getting back to a place where we can just live within our income means and make debt payments). We paid off the Visa a while ago and switched to using just the line of credit for all our credit needs as the interest rate difference between the 2 is massive (Visa is something like 21% and line of credit is like... prime + 3%?) We are now snowballing the line of credit debt and have the ability to make large payments off it every month (400-500ish regularly, more when our dual-income situation changes). I know I'm 'supposed to' use my Visa card every month X amount (not sure what's ideal) and simply pay it back to $0 every month as well to make a positive impact on my credit score (or if not, please clarify). I recently Googled and found that transfers between credit cards don't make an impact on credit score. I know the close to max credit account is a negative. My question is: Would it be a good idea in this case to transfer the amount we are going to pay off the line of credit anyway each month/cycle to Visa first and THEN pay it off completely from there? So for example, we'd transfer $500 away from the line of credit to count as a $500 payment, to the Visa as a $500 purchase, then pay the Visa off back to $0. Since we are not using the Visa anyway (we want to, just for a positive impact on credit score), would this be a good use for it/would this work in the way I'm thinking? Hoping this isn't a stupid question. You can see from the bits and pieces I know how I've arrived at this question. Hopefully someone can answer. Thank you! [link] [comments] |
| 401K Investing Portfolio Advice Posted: 09 Feb 2022 10:45 AM PST 24/M, One daughter, and girlfriend. Make ~$50k. (Personal goal is to try and increase that by 2% every year)Investment portfolio is not allocated out currently. Currently invest 2% of biweekly paycheck to 401k. Invest 0% to "Before-Tax" Current 401k in my part time job I've kept for the last 7 years I believe has about $6,000. Currently locked out of that account since my phone isn't working and cant do 2FA. Then my grandparents put in $1000 into a Roth IRA for me for graduating high-school in 2016, which I believe has turned into $2,400? Could be wrong. Girlfriend makes about $45k a year with me. I'm her supervisor lol. Have a mortgage for my home I bought in 2018. It was a foreclosed move in ready. Bought for $75k. Owe $71k on it. 4.9% interest. 30 year fixed. I'll be 51 when it's paid off. (If not paid off sooner) Resale value is ~$144k Own two whole ETH tokens. (had more. paid off some other debts for go fast car) Goal with my ETH is to pay off what's left of my home with one token alone. Other will just be for investment. Retirement goal: Retire 60-65 (Hopefully!) Travel internationally more and locally here in North America. (I travel on a budget without cutting corners on quality. Use Turo, AirBnB, etc. Planned a week long vacation with MIL, GF, kid and I for $1400 to fly to Florida and lodging and car. All very nice.) Be able to just spend time where I want to. Probably just in my home town in Nebraska mostly. Plan on just keep the one home I own now. I'm fine with sharing more/all of my finances. Just don't want to include any possible information that's not needed _____________________________________________________________________________________________________ Question time. My company does 401K through ADP. They currently do not match at this time. Advice on diversifying profile? Listing options below Currently ADP has enrolled me into investing 100% into Fidelity Freedom Index 2060 Fund - Premier Class (I'm fine to take risk on Aggressive Growth. Would like to stay under 15%) IncomeN/A Invesco Stable Asset Fund - ADPZ Class VBILX Vanguard Intermediate Term Bond Index Fund - Admiral Class MPHQX BlackRock Total Return Fund - Class K Growth & IncomeFAPIX Fidelity Freedom Index Income Fund - Premier Class FBLPX Fidelity Freedom Index 2005 Fund - Premier Class FCYPX Fidelity Freedom Index 2010 Fund - Premier Class FFYPX Fidelity Freedom Index 2015 Fund - Premier Class FKIPX Fidelity Freedom Index 2020 Fund - Premier Class FLIPX Fidelity Freedom Index 2025 Fund - Premier Class FMKPX Fidelity Freedom Index 2030 Fund - Premier Class FNIPX Fidelity Freedom Index 2035 Fund - Premier Class FPIPX Fidelity Freedom Index 2040 Fund - Premier Class FQIPX Fidelity Freedom Index 2045 Fund - Premier Class FRLPX Fidelity Freedom Index 2050 Fund - Premier Class FTYPX Fidelity Freedom Index 2055 Fund - Premier Class FUIPX Fidelity Freedom Index 2060 Fund - Premier Class FVIPX Fidelity Freedom Index 2065 Fund - Premier Class MSFKX MFS Total Return Fund - Class R6 GrowthSSSYX State Street Equity 500 Index Fund - Class K PDGIX T. Rowe Price Dividend Growth Fund - Class I Aggressive GrowthTISBX TIAA-CREF Small Cap Blend Index Fund - Institutional Class VSMAX Vanguard Small Cap Index Fund - Admiral Class BTMKX iShares MSCI EAFE International Index Fund - Class K TROIX T. Rowe Price Overseas Stock Fund - Class I [link] [comments] |
| I’m looking for advice on credit consolidation. Posted: 09 Feb 2022 08:50 AM PST Hey everybody, I'm in debt and I'm wondering if a consolidation loan would be better for me personally financially. I have: $11,000 Amex at 29.9% APR, $2,000 Apple Card at 21.9% APR, $4,000 US Bank at 21.99% APR, $3,000 Best Buy at 25.24% APR. I recently got approved a loan offer of $20,000 at 27.89% APR ($624.00/month for 60 months) I'm curious if i should do the loan offer or pay more than the minimum for each card every month. I can do either since I'm getting a new job very soon. Also if i took the loan offer there is said to be no early payoff fee. What do you think? If you need more info on the situation let me know! Very much appreciated, thank you. (Edit: added some commas) [link] [comments] |
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