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Millions of consumers would like a simple answer to the question, Should I lease or buy my next car? More>> Over the years, texting has been the cause of major and minor accidents alike. Despite this track record, there has been no major impact on auto insurance premiums. Credit Repair – FREE eCourse – Credit Secrets
What are the pros and cons of borrowing on a credit card to pay for auto repairs? What are some alternatives?
I bought a used car and told my father that I would pay for the repairs needed by using my credit card. He told me to get answers on this questions and then see if I wanted to go with my plan. If you have any knowledge on this, can you please be very thorough with you answer, because my dad is a finance consultant and he will tell me,”that’s what I thought”. Thanks in advance.
If you put the repairs on a credit card, you’ll pay interest on the repair costs and the total cost will be way higher than the actual cost of the repairs. If you have the money to pay off the card in the same month (thus avoiding interest charges), then you might as well pay cash since you have the money.
Its a good idea to have an emergency fund for things like unexpected car repairs. That way you don’t have to go into debt every time life happens.
For regular routine car maintenance, you should be saving up and including it in your budget anyway. You know your car needs oil changes, tune ups, and new tires, so those aren’t emergencies, they are events that you know about and can (and should) plan for. The emergency fund should only be for things you could not have predicted, like if the alternator breaks and you had no idea it was going to happen.
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When Renting Cars Abroad, It’s Renter Beware
I ONCE rented a car at an agency in a garage under the Villa Borghese in Rome. The parking structure was tight and poorly lighted, and before I even exited I put a dent in the vehicle, thanks to a low concrete barrier I couldn’t see in the rearview mirror. Credit Repair Process
may file for bankruptcy in California if you do a lot of money?
If you live in California nad want to declare bankruptcy, but you have a good income do you pay the loan back even if it does file for bankruptcy? What can come after you? and how long does a bankruptcy "really" effect your credit?
Yes, and I will return all the money you think you can afford to pay. Your credit will be shot for 7 years. They can come after all but for most home and work vehicles, and can garnish your wages until your debts are paid.
How long does it take to repair credit on your own, as opposed to having someone like careone help?
you can see a change within a year if you follow a budget and pay your bills on time. you can negotiate interest rates with credit cards and do everything a Credit Counseling service could do. Minus the cost. Just invest some time. Most Credit Counseling Services claim to be non-profit but charge money every month. Also, it looks horrible on your credit report to have a service take care of your bills. do it yourself.
Credit Repair Uncensored Part 4 – Fix and Repair Your Own Credit
