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HELP!
ALL OF MY CREDIT CARD RATES ARE INCREASING DRASTICALLY, AND i WANT TO CALL THEM TO CLOSE MY ACCTS AND PAY OFF
BALANCES AT MY CURRENT RATE.
IM WORRIED HOW THIS WILL AFFECT MY FICO. ANY ADVICE?
First, don't type in all CAP's ,,, Just teasing ... Yes closing the cards while carrying and paying off the balance will result in a FICO hit, How many cards are you talking about? What are your credit limits and balances on the cards,
@Anonymous wrote:HELP!
ALL OF MY CREDIT CARD RATES ARE INCREASING DRASTICALLY, AND i WANT TO CALL THEM TO CLOSE MY ACCTS AND PAY OFF
BALANCES AT MY CURRENT RATE.
IM WORRIED HOW THIS WILL AFFECT MY FICO. ANY ADVICE?
I am with Justin - Stop typing in CAPS is the first step.. lol
Secondly - We need more information than - "my rate is going up, I am going to close my cards and pay at current rate". What cards? How Many? Balances and CL's? Whats the current rate and how much is it going to etc etc
Ok well I have two Wells Fargo accts. One with $7200. which is currently 18.4% and from what I can understand in the letter I received, going to 21.15%, (but the letter is confusing to me) Minimum payment is $227.00.
The other one if $5900. interest is currently 16.4% going to (I think) 22%. Minimum payment is $148.00.
HSBC - $3400. minimum payment of $84.00. interest rate 17.9% going to 20 something?
I can't afford to pay any more monthly. I'm willing to call them but what do I say?