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March 9th, 2010 - 14:32
you guys do, it’s called inflation
the less the US dollar is worht, the more insignificant the debt
side effect: you guys will have ALOT more recessions, maybe even a permanent one
March 9th, 2010 - 14:36
“A whole new clock will go up next year”, fuckers.
March 9th, 2010 - 13:44
That is acceptable, but it's easier if you go online and apply for really any type of credit card that you want. Some companies will not want to give you a card unless it is secured if you don't have any previous credit. You're best bet it to try a department store first, even though their interest rates are the highest. This way once you get a card and make a purchase, you can pay it off quickly. Keep doing this and your credit will be established. jsut don't go overboard and end up like the rest of us who are in debt up to our ears.
March 9th, 2010 - 14:28
The credit card company won't know you're planning to leave the country! Even if they did know, they can't stop you, unless they first sue you and get a court order saying you can't leave. But it is highly unlikely that any judge would grant such an order for a credit card debt.
Yes, they could sue you in court for the debt. They would have to serve you with the court papers before they could have a trial.
March 9th, 2010 - 22:17
I use Discover for business and Chase for personal. Here is why:
Discover has had a long tradition of being different. When the Discover card was first introduced there was no annual fee, – that may not seem like a big deal but back in the day it absolutely was. Discover credit cards also offer cash back rewards.
For a business using Discover for their corporate credit cards this is a big advantage – you get cash back for spending. And the best part about using these particular corporate credit cards is that the cash back rewards are targeted at specific purchases that you will make as a business, such as gas, travel and office supplies.
The current standard APR on Discover corporate credit cards is 13.99%. There is also a 0% APR introductory offer. Remember – these cards come with a grace period of at least 25 days when you pay the balance in full each month. This means you can run your business interest free on Discover's money in 25 day cycles.
A lot of the others have shorter grace periods – something most consumers don't think to check up on.
March 9th, 2010 - 22:53
The money in your savings account would not be available while using your debit card making normal purchases unless you have selected an overdraft protection program and the funds are not available in your checking account. I highly recommend adding this to your account, in the event that you make a purchase that is greater than the amount available in your checking account, the bank will use money from your savings account to cover the purchase. This way you don't aquire all those overdraft fees or have bounced checks (while writing checks). Pay close attention to your funds! Alot of debit cards can also be used as a credit card. Its basically the same thing in this case, where in both cases the monies will be deducted from your checking account, debit takes the funds immediately while credit will take sometimes up to 4 days to completely withdraw. The difference between your debit card, and a credit card, would be that credit cards are an open balance of money availably ready to be lended from banks, purchases using a traditional credit card also incrue interest on the amount you spend. (you have to pay back more than you spend) Debit cards are attatched to your bank account and will just deduct money from your account to pay for the things you've purchased
And though you didn't ask for it… After you've accrued a larger sum of money in your savings account, speak to your local financial director and check into special savings account that give you back more money for allowing the bank to use it, such as locked savings accounts and bonds! 
March 10th, 2010 - 04:35
There used to be a time when our politicians would logically work out the problems of this country, that day is over, it really shows in the national debt. Both sides are so afraid to make any serious changes like, true reforms to entitlement programs or the growth of government employees, I can see things only getting worse. I think that the Demorats and Republirats main thrust is: First; to stay in power, Second; to establish their ideology no matter how toxic it is for the country. Ciao
March 10th, 2010 - 07:31
I don’t mind. The USA is the reason this shit happened in the first place. A new order in this world is needed. The corruption of the USA needs to come to and end.
March 10th, 2010 - 11:50
The Federal governments debt affects all Americans because it must use resources that could be used on programs, tax relief or national defense to pay interest on our national debt. The government spent $173 billion in 2009 on interest owed on our national debt, and will spend an estimated $400 billion on interest over the next three years
March 10th, 2010 - 08:08
there are a couple of ways you could start building credit, you could get a small personal loan which you might need a cosigner or the best way will be getting a credit cards, you could get a credit card and use it for your every day expenses but make sure you pay in full at the end of the month that way it will show pay in full everytime the credit card company reports to the credit beuros. At the begining you will only be approved for the lower end credit cards but once you build credit in about 6-9 months you should be able to apply for a better card with better benefits such as free miles or cash back. Check out http://www.fastcreditcardapprovals.com and go under bad or no credit section and you will find a few choices. But if you are a student apply of a student credit card these cards have no annual fees and low rates.
March 10th, 2010 - 15:14
why do you sound so happy about that?!
im not happy about that
March 10th, 2010 - 11:46
Once your percent gets to below 30% of your available credit, you will see improvements. They lower the percentage, the higher your potential score is.
March 10th, 2010 - 21:39
Holy fuck, we have to pay this much for this shit.
March 11th, 2010 - 01:02
Debt : Output is within normal bounds.
The US has significant tax elasticicty compared to other first world countries.
Personally, I think the current goverment sector spending has greater benefits compared to the costs of having the private sector retreat in a perpetually reinforcing deflation cycle.
March 10th, 2010 - 20:41
Spiff! Man you are starting to disappoint me something terrible!
The definition of a "written" contact is one where all of the payment issues are completely spelled out. The monthly payments, the timeframe, everything.
An "open" or "revolving" credit line does not fall into this catagory because the terms of the agreement change every month. One month you owe $200, and the next you owe $400…..and each month you have a varying amount of payment. You can pay it off, and then run it right back up again….that's why they call it a 'revolving" line of credit.
This is also clearly spelled out in the US UCC codes, and many states specifically label credit card debts as open accounts.
Georgia is one state that specifically labels credit cards as NOT being a written contract. Please refer to the link below.
Once again….poor answers with no source of information cause a lot of damage here on Yahoo. If they don't provide you with a source for further examination it's best not to believe it.
March 10th, 2010 - 23:20
Canceling a credit card can ding your credit because part of your credit score is based on something called a debt-to-credit ratio. When you cancel a credit card, you lower the amount of credit available to you, making that ratio look bigger (and more risky) to creditors..
15 percent Length of Credit History: "In general, a credit report containing a list of accounts opened for a long time will help your credit score. The score considers your oldest account and the average age of all accounts."
35 percent Payment History: "Having a long history making of payments on time and no missed payments on all credit accounts is one of the most important items lenders look for
March 10th, 2010 - 23:36
Congrats, on your cleaning up your debt and your credit score. What you want to do is compare credit cards and the good news is there are many internet sites that will allow you to.
Check http://www.creditland.com, http://www.bankrate.com, http://www.credit.com On these sites you can look and compare the credit cards that have no annual fee and a low APR. Also if you belong to a credit union, they have excellent rates. You may also consider doing a search for LOW credit card rates in search engines. USA Today does a comprehensive list every year.
I hope this helps you out.
Good Luck
March 11th, 2010 - 11:42
Instead if putting a new clock up they should figure out a way that we don’t need a new one. maybe try and manage the money better. this debt is a disgrace to our people. I hope the countries that borrow us our money stop doing it, they probably wont get their money anyway. If they have to put a new clock up that should be the last straw.
March 11th, 2010 - 16:54
Oh no! We have to stop this! What can I do?
March 11th, 2010 - 17:54
The government does not create any product that would provide it with “revenue” so they would have to create a daily “tax” clock. Join The Free Enterprise Nation in fighting against this exact type of wasteful government spending.
March 11th, 2010 - 15:40
A credit card can be a really good thing to have, or it can be a nightmare. Try to find one that charges no annual fee and that gives you some kind of reward…airline miles, cash back, something. Then…and listen closely…PAY IT OFF IN FULL EVERY MONTH!! You do that, no problem. you start missing payments, then you can quickly get in over your head.
They may occassionally send you the most boring looking documents you have ever seen in the mail. Read them. The credit cards can change the terms of your agreement, and these boring looking notices are the only way they tell you. If you use the card after theyhave sent out the change of terms, you have accepted the new terms.
Good luck.
March 11th, 2010 - 23:10
Isn’t it time for a National Revenue Clock. We need to have daily running tally of how much money is taken in by the government(taxes, licenses, fees, oil tax revenues, interests, the list is too long.). But it is high time for a National Revenue Clock. While we are at it. We also need State Revenue Clocks and City Revenue Clocks.
March 11th, 2010 - 23:47
Well, let me be the first to tell you that a credit card can be a "safety net" in the event that you're in a crunch in between paychecks, and especially renting cars. Granted, you can use your debit card, but you better have the money on it, becuase credit and debit cards work completely different in that respect. But even if you just make small payments that you pay off in full every month, it's another way to build credit, which you can't build alone just by paying off loans. Credit and the scoring system is designed to where you should show that you can handle different types of credit both installment(car,furniture,appliance,personal signature, and mortgages) and revolving (credit cards and line of credit). An example of a balanced mixture of credit is 3 credit cards (2 major and one department store card) and either one paid or currently paying installment account.
Now while it is a good thing to have a credit card in the event of emergencies that may come about that could potentially wipe out your checking account if you use that, it's important to know the true meaning of needs vs. wants. Credit cards are not bad, it's the judgement of some people that use them. They easily confuse the 2 and that's where the problems arise. As long as you keep your priorities straight, and use credit like it's supposed to be used, then you should be ok.
A credit card you should look for, ideally is one without an annual fee and a low or 0 introductory interest rate. But my advice is to keep the balance no more than 30% of your total available credit to minimize the interest anyway.
Chase, Bank of America, and Citi all offer fairly good cards
I hope this answer helps out,
Good luck!
March 12th, 2010 - 11:50
holy fucken shit 1989 we had 3 trillon, 21 years later were at 13 omfg, we should of elected mcain, becaues at least he had the right idea.
stop speding and start saveing becaues soon the world market wount back up the dollar anymore and the real value will show.and you no what it is.
your dollar is worth 0.00 zero dollar and zero cents.thank god for free market gold and silver.
March 12th, 2010 - 16:36
but do all of you realize that money is just paper*the US uses cotton* with ink printed on it?
the only power it holds is its symbolism,theres no more gold backing it up,the only thing that makes it important is trade treaties and capitalism,if we took all the infrastructure out,then money would be nothing but cotton and ink.
March 12th, 2010 - 14:16
Stop applying for the cards, you will only be denied. You will have to start building your credit rating with secured credit. Make sure the banks report to the credit bureaus, otherwise it does no good.
Go to the bank you do business with, ask them if they have a secured credit card, if they do open a new account with $300 – $500 tell them you want a secured credit card against that account. Use the card for small purchases like gas or food and pay the card off entirely each month on time.
Also you can take your savings account and save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months. Lenders like to see a mixture of credit, revolving, installments, personal loans.
After a few months you can try for an unsecured card again. Retail store cards and gas cards are normally easier to get.
It takes 24 months of consistent on time payments to build a good credit rating.
March 12th, 2010 - 16:04
The sure-fire way of NEVER being turned down for a major credit card would be to apply for secured credit card. Basically what type of card this is, is that you give them money up front (say you ask for a $500 limit), and everytime you use that card, the money will already be in your account with that card and it will just come out. This secures to both the credit card company and to yourself that the money will always be in there, therefore there will never be any over-ages, late fees, and the the like and will guarantee you a strong credit building account. I hope that my answer has helped you.
March 12th, 2010 - 17:06
Definitely NOT Bank of America.
They recently upped peoples APR without any explanation or reason; it was all over the news. Try a company that's a little less shady. There are plenty of horror stories of what this company has done to their consumers.
March 13th, 2010 - 00:15
I wish we a some type of invention or something that we could sell to reduce this massive debt..
March 12th, 2010 - 21:06
Most credit card companies state in their cardholder terms that if a consumer is not satisfied with any goods or services through a merchant they can dispute the charges and or have them reversed. Even with a signature I think they can refund the customer. Unfortunately this happened at my job last year.