Quote:
Originally Posted by kannon
I mean, to be completely honest with you, you should start rebuilding your credit as soon as possible. Credit is hugely important in today's world. Jobs will run credit checks on applicants. Landlords run credit for applicants. If your car breaks down and you got shit credit, hope the bus runs close to your house, cause you wont get a car loan. You need credit for everything.
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real rap. sort this out, you would not believe how easy it makes life. i can walk into most large stores and walk out with anything up to 30k without spending any cash.
does her credit rating not allow her to get a card with interest free periods? e.g. i just bought a new hp laptop, my credit card gives me a 24month interest free period. so in your case i'd have 2 years to pay off the 2200, no more than i actually spent. then i could apply for a another card with a similar offer but does 0% balance transfers, so i could now pay 2200 off over potentially 4 years.
but if she cannot get one of those check her apr, because that is the difference between paying back 2350 and 2900. (the latter is if her credit card was around 29.9% which is lower than say capitalone's apr).