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The six suites in this leather-bound playpen of faux mahogany and fresh-cut flowers comprise the inner sanctum of commercial flight that few ever witness. " exclaims one, and soon Schlappig is ordering champagne for everyone.They're mostly empty now, save for two men in their twenties who seem even giddier than the flight attendants. This sort of thing happens to Schlappig nearly everywhere he goes."In fact, it just went down from 20.15 percent to 19.15 percent." "So there's nothing you can do?" "No, but you can speak to a supervisor." She transferred me to a man who said the same thing -- I already have the best rate.Sally Herigstad is a certified public accountant and the author of "Help!I Can't Pay My Bills: Surviving a Financial Crisis" (St. She writes "To Her Credit," a weekly reader Q&A column about issues involving women, credit and debt, for Credit Cards.com, and also wrote for MSN Money, and Bankrate.com, and has guested on Martha Stewart Radio and other programs. Mc Namara is president and chief executive officer of Green Path Debt Solutions, a nationwide, not-for-profit, providing financial literacy through consumer education and counseling for more than 50 years.
A settled account could drop your FICO credit score anywhere from 45 to 125 points, depending on your score before the settlement.You can’t be arrested simply because you can’t pay a debt.(There are times when consumers are arrested in conjunction with debts, but it is because they failed to appear in court when summoned, or failed to pay legal fines.) As the Better Business Bureau’s Kathleen Calligan notes, “A bad debt is not a criminal matter — it’s a civil matter.” The caller may even offer to give you his or her “badge number.” This is almost a certain sign of a scam: Local law enforcement is not going to call you to try to collect a personal debt, and the FBI certainly won’t.Ask Sally a question, or read her previous answers in the To Her Credit archive Dear To Her Credit, I have heard numerous times that if you have overall good credit, you should ask your credit card company to lower your interest rate. Is it likely they will lower my rate or should I even bother? We have three cards, so I decided to see if I could ask for and get lower interest rates by making a phone call.
-- Dear Amanda, Yes -- you can just ask for a lower credit card interest rate, especially if you have been diligent about making all your payments on time. The customer service representative at the first bank told me he had to talk to my husband Gary because he's the primary cardholder. The rep told Gary he could lower the rate by 1.75 percent, to 17.99 percent -- the prime rate plus 12.74 percent.
he boarding procedure has barely started at Chicago O' Hare, and Ben Schlappig has already taken over the first-class cabin.