Anyone heard of the black diamond credit card?

Just recieved an email at my yahoo account with a offer from this company. Checking to see if anyone%26#039;s ever heard of them and done business with them. Black Diamond?

Anyone heard of the black diamond credit card?car loan

There fees are very high and suitable for ppl who%26#039;s trying to rebuild their credit. They start you with a limit of 300 and by the time they finish deducting fee%26#039;s your limit will be 29.00. It%26#039;s not worth it.

Anyone heard of the black diamond credit card? loan

The New Millennium Black Diamond credit card is issued by New Millennium Bank. Read the background on the link below ...

Best Buy and Hsbc raise their credit card APR to 55.49% if you?

decided to pay off the balance on a promotion offer, does anyone

know if it is legal for them suddenly hike the APR to the rate and they even charge 55.49% as purchase rate on a dispute, this rate

was not disclosed, but if you pay off your balance, then they immediately hike the rate, is this legal??Should this kind of business practice be reported to Attorney general or where?

Best Buy and Hsbc raise their credit card APR to 55.49% if you?apply for a loan

I dont think that 55% is legal on any loan or credit card. There is a leagal term known as Usury. It basically means charging too much interest.

Make sure that that is actually your APR. When you check out your account it may say 55.49% because of the penalty they added that month. Most lenders have a buyout penalty. It is more common on mortgages. They charge you a flat fee when you pay off the balance because they originally gave you the promotional offer expecting to make 3 or 4 x the loan amount in interest over the life of the loan. Closely examine your CC statement and check to see if they added a one time fee or if they actually increased your APR. The tell the difference just take the interest plus the fee and see if it adds up to 55.49% of your total.

Best Buy and Hsbc raise their credit card APR to 55.49% if you?

loan

I cant imagine that being legal..I would report to the Attorney General office.|||Is this 55.49% something you calculated or is it actually listed on the statement? If it is something you calculated there are too many variables to determine how you got that percentage. But some possibilities are that there is either some fees that were considered Interest or since it was a promotional offer they charged you interest over the promotion at one time which caused it to look higher. This happens quite often with those 6 months same as cash offer. If you fail to have it paid off after 6 months, on the 7th month they add in all of the interest that would have been charged.

They can basically raise the rate at any time as that is going to be somewhere in the terms of the card. A default rate of around 30% is not uncommon if you fall behind or fail to make timly payments.|||If you had a small balance left on your account (15.00 for example) and the lender had a minimum finance charge of $2.50 per month if you carry a balance then it would look like your APR was way out of whack. Also, if you were late and they charged late fees that are disclosed in the APR then it would make your APR look really high. Or if you didn%26#039;t quite payoff the promotional balance in time and they charged the full amount of interest due it could cause the APR to soar through the roof. There are a lot of explanations for why an APR might look high on your statement. You need to do some research and make sure you understand what the APR really means - the APR is not the same as the interest rate on the account.|||I dont think hat legal at all. It%26#039;s ridiculous and should have reported to the Atty. Gen as you said and if you would. However, there is a way to avoid that. Don%26#039;t even use their credit card. Master cards and Visa cards has more reasonable APR. So consider using those instead of using Best buy%26#039;s credit cards and HSbc.|||I think GUS has the best answer so far. Something is missing from your numbers. 55% is illegal nearly everywhere that has laws on the issue.|||Their default rate is listed as 30.24%. I would contact the Attorney General if this is what is printed on your bill. This seems like predatory lending practices.|||It does not matter cause in your question you are paying them off so you would have a ZERO balance so APR is not a factor on your account, or % rate

What are the best sites to apply for credit card with instant approval?

I just came accross this site and applied for one:

http://maev.NewCreditApplications.com

Does anybody know of any others that offer no hassle/ instant approval? Tks

What are the best sites to apply for credit card with instant approval?bad credit loan

http://www.ccvault.com/

How much write-off will a credit card company give?

I want to offer a payoff on a five year old account owing ~$13000. How much is Discover likely to forgive me?

How much write-off will a credit card company give?business loan

There is a little known item called the Statute of Limitations. In other words, if you are in the U.S. and this debt is old enough (depending on your States SOL) the debt has expired. As another person here told you, the credit card company has already written off your debt and a third party company bought your debt for pennies to the dollar. They will get whatever they can from you.

So, what this means in plain English is, and I%26#039;ll just jot down a couple of States for example;

Arizona and New Hampshire, for credit cards the SOL is 3 years. That means the debt is no longer collectible and you can tell them that if it%26#039;s over 3 years old.

This is worth repeating, each State has it%26#039;s own SOL so do your homework before telling the third party that the statute of limitations has run out on your debt, and to stop all communications with you. However, once you know for sure, that%26#039;s it, end of story. Check with an attorney for the rules of your State.

After you fix it, don%26#039;t get anymore credit cards or loans that you cannot afford to pay. By the way, I am only referring to credit cards not loans so be sure and check with someone first.

I%26#039;ll send you my bill, lol.

How much write-off will a credit card company give?

loan

not much if anything. you should call a financial advisor to help you settle with them.|||try asking discover|||They could take off the interst incrued.|||First, After 5 years, I do not think its Discover any more.

So, if I were you, I would offer, whoever own the Debit, the lowest amount that you can afford to pay. Keep in mind, they would want that amount in lump sum. Good Luck.

What is the function of a credit card union ?

What do they offer ? That banks do not ?

What is the function of a credit card union ?loan rates

The term is %26quot;credit union.%26quot; Often, they offer low-cost banking and loan services that are better than the commercial banks.

Does this seem like a good credit card?

um, im 17 but i have been approved for it with only $600 LIMIT. I do plan on paying the bills. I have it for emergencyshttp://www.bankofamerica.com/creditcards...

Does this seem like a good credit card?student loan

If you are only 17 - then you are not legally able to obtain a credit card. One of the bank%26#039;s requirements on the website you pointed us to indicates that borrowers must be 18 to obtain their card. If you did not tell the truth about your age to obtain the card, you have committed the crime of bank fraud which is punishable.

That said, as long as you don%26#039;t default, they%26#039;re not going to even look at it (and really, Bank of America isn%26#039;t going to look at a $600 balance anyway).

That all said, yes it does look like a decent offer for a first time credit card. Just be sure that you don%26#039;t let yourself slide into debt using it. Do what you say --- use it only for a REAL emergency.

Does this seem like a good credit card?

loan

Instead of a credit card, save up 3-6 months worth of expenses as an emergency fund. When a real emergency hits, you don%26#039;t want the added stress of debt. When you are debt free and have an emergency fund, you have a lot more options during an emergency.

How can i hide money from credit card debts when i get my trustfund?

will they still offer deals when they know i%26#039;/m rich?

How can i hide money from credit card debts when i get my trustfund?cash loan

You can%26#039;t hide the money.

The credit card companies that you owe deserve to get paid.

How can i hide money from credit card debts when i get my trustfund?

loan

lol, cash out, but it in the mattress!|||IRAs offer some protection in some states. You will have to investigate on your own to see what protection is offered by your state, and then check again if you move into another state.

http://www.bankrate.com/brm/news/ira/200...

It would be great for you if your state would protect a ROTH retirement fund. You would not have to pay additonal taxes when you withdraw the money later.|||Here is an idea. Instead of trying to hide your money why don%26#039;t you just pay off your credit cards and be debt free. Trust me your life will be better and you can breath easier without those vultures breathing down your neck.|||Buy prepaid credit or debit cards, buy travelers checks, get a vault, if you live close to a casino store your money at the cage or cashier. And if all this fails, bury it.|||What a lazy bum....Pay the credit cards off...