Here is an idea: Don't charge up more than what you can pay off when the bill comes, and pay the entire total when you get that bill!

haha fuckin ace comment

your all cheaters the banks and everything as you give out overdrafts of £500 $500 wich makes you the real cheat coz you lure us into the credit crunch, if we didnt have the overdraft then we wouldnt be in dbt

i always pay debit

Screw the banks. They are thieves. You can't cheat them because it really isn't their money. They stole it from others to begin with. They will lie, cheat, steal, and any other immoral act to make money.

Yeah that's a great idea, handle your responsibilities like a carefree child! Ignoring your creditors doesn't make them go away, it makes things worse for yourself.

bla bla bla, Better idea!!...Don't answer your phone!

when you understand how the financial system and credit companies REALLY work, then you'll see that you owe them NOTHING. look into how "credit" really works, and you'll see that you owe nothing because they never lend you anything! people are not being irresponsible with their debts, they're waking up to the scam that is the credit card industry! look into it if you don't believe me!

not trite just annoyed. I hate when irresponsible people get themselves in so much debt and then try to hustle their way out of what they owe. The only reason I commented in the first place is because im a credit analyst and i know the all the excuses, if you have to negotiate anything with any bank your credit is already shot and negotiating will only jeopordize your credit because your claiming financial stress.

And how does that increase your FICO score? and....how does that give you the opportunity to exhibit competent financial management skills? You're just too busy being trite, I guess...lol.

Hey, I got a better idea, Don't use you credit cards pay cash!

Please save your Business Reply Postage Paid Envelopes from credit card offers. Then Mail the credit companies a brick or other heavy object using their own postage permit. This is a legitamate business reply as long as it goes to the address printed with the permit #