How many credit card holders declared bankruptcy last year?’?

How many credit card holders declared bankruptcy last year?’?

Answer : I might suggest you to try this web site where you can compare from different companies: https://tinyurl.com/y6883byc .

Related :


 Does deleting negative stuff from your credit report really works?
 Because im about to pay $100 to some law firm who says their program works. They delete negative stuff from your credit and your credit score will go up. I need my credit score to go high by june 2010 becasue ill be looking for a new home. Does that really work? Any suggestions please?
“”
 Where can i get my credit report with no monthly fee’s?
 I got my free credit report for the year several months ago i have since moved and cannot find them where can i get another from all 3 credit burea’s and only get charged a 1 time fee no revolving charges because i have to cancell something.
“”
 Is it possible to get a new auto loan on a used vehcile after repossession 2 years ago.?
 My husband had stopped working and wasn’ t receiving Unemployment for 6 months due t denial, After he won his unemployment it took an additioal 20 to 30 days to start receiving unemployment checks, which his car had a prior repossession and two week after he received his first unemployment check his car was repossessed and car was sold.””
“”
 Does a car dealer have to honor advertised price?
 A local Ford dealer has a truck listed on thier website at a price that’s off by some $10,000. Every link of thier site that has any info on this truck has the same price listed and they fully admit prices listed on thier web site can and usually are a better deal than what you’ll get at the lot. Even if this is a misprint, do they have to honor the price if I print the web page and take it to the dealer?””
“”
 Can I get an auto loan on a vehicle I already own?
 Two years ago, and straight out of college, I bought a used car privately (from an acquaintance, without going through a dealer). I needed the cash quick to make the deal, so I took out a personal loan””””””
“”
 Loan Help please?
 Does anybody know any online loan for house
“”
 What happens to a put option when the company goes bankrupt?
 I have a put option on a homebuilder and am wondering what happens to the option’s contract if the co. declares bankruptcy and stops trading. I know that filing bankruptcy does not necessarily force the stock to stop trading but sometimes…thanks a lot!!
“”
 What is the best website to learn your credit score?
 I’m learning more about my credit and trying to keep up on bills and debts now before it gets out of hand. To me the first step is learning what my score is now and working from there. I’ve seen a lot of commercials saying to go to their site and find out my score I’d like to know which website is the best one to go to so I can get started on a journey to good credit.
“”
 #repost
 
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 Tax Experts! Form 1099 A (acquisition and abandonment of real estate property)?
 If you file chapter 7 and you are not able to pay for your home, bank take home back and send you a 1099 A. Market Value of home at time of abandonment is $80,000, Mortgage balance $100,000. Do you have a taxable canceled debt or is it not taxable since you are insolvent? Thanks””
“”
 Credit bureau disputes?
 I just got a tax lien withdrawn which means there should be NO RECORD of it whatsoever on my credit report. I have a letter from the IRS proving that. Im pretty sure the lien is showing up on at least 2 of the bureaus of not all 3. I realize that IF i do nothing that the liens may be removed on their own. But that could take 30–90 days. I want it off NOW. So, my question is…is there any downside to sending in proof that the liens should be removed now ? Do I have to have requested a report recently in order to file the dispute ? I haven’t but I know it hit my score back in Nov. My score didn’t go down 100 points for anything else. Thanks PS, another concern of mine is my county is close to bankruptcy so the probate records department probably isn’t updating things as fast as they should. If i wait 30–90 days, it may well take another 30 to have it removed. Don’t want to wait that long.””
“”
 “”This is my 1st credit card, I need help!?””
 ok, so I am a student in college, and I signed up for a student credit card with my bank. I already have a checking/debit card but I am thinking of my future and want to build my credit as soon as I can.. So, I really dont understand anything, and I am very confused about the vocabulary and terms and such. Here is what the Cardmember Agreement States: APR for purchases= Prime Rate + 13.99%, but not less than 19.990%………………….19.990%, Variable APR for cash advances=Prime Rate + 16.40%………………….21.150%, Variable minimum standard APR for cash advances will not decrease below 21.15% regardless of the Prime Rate…………. 0.05794% Daily periodic rate minimum standard default APR will not decrease below 29.99% regardless of of the changes to the prime rate…………………….0.08216% daily periodic rate card limit $600 cash limit $300 **************************************… ok so i dont plan on making any cash advances, and i know to always pay my balance in full if i can. If i can’t pay off as much as I can a month. My card is from Wachovia, if that helps? And are these numbers bad or what? Remember, I am a student with no credit. Can someone tell me what is stated above because I have no idea what they are saying. Heres an example: If I charge $200 but cannot pay it in full, how much interest am I being charged. What would be the full total amount including interest and the charge? How long do I have to pay of my charge if I decide to make payments?””
“”
 Which way will I pay less Interest? Credit card 4.99% Fixed for Life or Auto Loan 6.35%?
 Assume that my payment amount will be at least the amount I will be paying for the 6.35% car loan.
“”
 “”What happens if I can’t complete my bankruptcy payments? I only have five months left, but no job?
 
“”
 “”I have one payday loan out already, can I still get another?””
 I got a payday loan last week because I needed to catch up on some bills. I’m in need of a little extra cash again before my pay day, so can I go to a different place and get a loan, or can they check and deny me because I have another loan out? My friends say some are connected, but others aren’t and it might work. And yes, I would be able to pay them off.””
“”
 What is the current bankruptcy law if you make under $12K?
 
“”
 After Chapter 7 bankruptcy what should we expect?
 We just was discharged from a Chapter 7 bankruptcy. The lawyer said they would look after our taxes for the next few years and our daughter’s estate, wrongful death(very little money), they could take that. We are ok with it. Anything we have to be careful with besides getting back into debt. LOL?””
“”
 Does bankruptcy effect you from getting licensed to work at pharmacy?
 
“”
 How to build score up from 608?
 credit score
“”
 #repost
 
“”
 Can I buy a house in my name if my wife refuses to buy or sign any escrow papers or even quit claim deed?
 I am married man and I am registered nurse. I want to invest money to buy single family homes, but my wife does not want to. Even though she is not working, I Keep telling her that we both will be on the deed. But she still refuses to sign any escrow paper. Is there a way that I just buy the property and she should not know and she still be on the title. If she can’t be on the title, then she has to sign the quit claim deed and she won’t do it. Now I don’t know how I can invest money without telling her. Please answer my question. Thanks””
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 #repost
 
“”
 “”I need a $400 personal loan, but my credit is not good. What banks can I apply to that will give me this loan?
 Anyone know any legitimate banks or sources that will lend me $400 with bad credit?
“”
 How and where can I get a personal loan with only ok credit?
 I need about $1500 to accomodate new living arrangements. (I am moving, and I don’t have extra money laying around to pay for 1st months rent and a security deposit.) I don’t want to go through one of those places that rip you off big time, like those payday loan places and others. Do I have any other options? Please help!! Thanks! :)””
“”
 “”If you don’t pay back your car title loan and they take the car, will it go on your credit?””
 My husband got a title loan for this clunker he used for work. He sold”””” it to a friend who has yet to pay the full balance. Anyway””
“How many credit card holders declared bankruptcy last year?’?


 Are there any one time free credit reports without a sign up for more?
 Looking for a sight to get our credit report without having to sign up for a package deal.
“”
 Age verification with a Credit card for a website?
 ok, on some adult sites and such they require you to verify your age with a credit card but i dont want to give them my card i am worried they will charge me. will they? and can i get informative answers pls””
“”
 Building good credit from bad credit?
 my current credit score is a perfect 0, im 20, i’ve only just started to try to build credit and understand what im doing. i have closed a bank account and applied for loans and been denied 5 or 6 times becuase i had no idea it would hurt my credit, i recently applied for a normal credit card and a secured credit card, i was declined for both, i have no debt of any kind but where do i start if i cant even get approved for a secured credit card for $300? i have considered just applying at every bank around to try to get a few cards to begin to work with but i dont know if this will hurt me more than help me. i dont actually need the cards i will only be using about 30% of the max so that i can build credit and make more than enough money to pay them in full every month. is there a better way to begin to build credit? and once i have cards can i never get rid of them becuase this will also hurt my credit?””
“”
 Cheap online asian clothes website?
 I’m looking for a website/online store that sells really cheap and preferably has free shipping. I found yfmart.com and eastclothes.com but I don’t know if they are reliable. If anyone has ever shopped at these two websites PLEASE tell me if it’s safe! Or if you shop at a different cheap website please share the link with me! Thanks so much in advance!
“”
 #repost
 
“”
 Credit Card Question! I’m lost.?
 Okay, so I just got a credit card with a 500 dollar limit. APR is 19.8% I want to buy something for $419.00. I’m trying to figure out what my monthly payment will be plus what does a 19.8% apr mean? How much more money is that going to tack on? Please don’t make fun of me or tell me I shouldn’t have a credit card. I have a good enough job that I can pay this off, I just don’t know much about credit cards.””
“”
 How can I get a free credit score?
 Every time I fill out a form to get one at the bottom they want a credit card number and some money later. Is there a truly free credit score?
“”
 How to build a house on a loan?
 Current home — — HELOC for cash for land loan Now current home maxed out 50% down on land loan — — Will I get it? Hold on for dear life….. Sell house….. Get construction loan — — Build house — — Get new home loan. Does this sound like the way it is done? Any suggestions on a professional tax/realestate/loan attorney?
“”
 #repost
 
“”
 Difference Between Visa Card/Master Card?
 I just wanna know the difference between a mastercard and visa card everyone tells a different story
“”
 Where can I print out or get a bankruptcy form?
 I already filed and when I was looking over my papers the paralegal did not include one creditor, I was told to just print out an amendment to list of creditor. I just cant find it. I don’t want to go back to the paralegal that prepared the papers since this is the 2nd time they missed something. I just need the form and I will complete and file with courts. I am filling chapter 7 in california. Please help, I just want to get this over with.””
“”
 How much do lawyers charge to file chapter 7 bankruptcy In NYC?
 
“”
 Credit card default consequences? Will they sue me if I am not able to maintain my payments?
 I am in harsh financial situation and can not afford payments any longer. What would be the worst scenario if I default on my credit card which I have the outstanding balance of $8000 on? Please help answering me in this regard …
“”
 How much equity is needed for a reverse mortgage?
 I am looking into getting a reverse mortgage for my father. He lives in the Miami, Florida area. About a 2 years ago he refied and I want to know whether or not he will be qualified because of the last of equity.””
“”
 “”Home mortgage, what’s better? paying down the principal, or putting money in escrow?””
 I’ve been paying a couple of hundred extra on the principal to get the balance down. Is there any advantage to putting money in escrow? Could I do both? I have a chance to throw extra cash at my mortgage, how should I do it?””
“”
 Capital One Platinum Credit Card?
 link: capitalone.com/credit-cards/platinum/ Looking for a first time credit card. I have limited to no credit history, I am no longer a student. Looking to build good credit history. So far this is my best option. First off: Any one have experience with this card? Second: I don’t want to pay the annual fee $19 on the 2nd year with the card. My goal would be to find a new card with better rewards, assuming I have better credit history at that time and then cancel this card before the annual fee goes in place. doable? Any advise would be great, thank you””
“”
 #repost
 
“”
 What is the average monthly payment for a house?
 I want to buy a house, and I’m figuring out how much money I need to make in order to live comfortably.””
“”
 What are the guidelines in filing chapter 7 bankruptcy?
 I am being told that my property taxes have to be up to date in order to file for chapter 7. Is this true? I am behind for 2009 and owe for all of 2010 amounting around $9k. Do these have to be paid before I can file? Why?
“”
 How to check free annual credit report properly?
 I went to www.annualcreditreport.com to check my score. I then have to fill out necessary info, then came to a page where I have to select the reporter (TransUnion, Experian, Equifax), before proceeding to a page, there’s a note to click on the link back to annualcreditreport after a visit to the reporter, when are you going to click the link? after filling out another form from that reporting company? it’s kinda confusing coz it says there there’s a fee, so I don’t know if I have to fill out their form. Do I suppose to fill this out before going back to annualcreditreport link?””
“”
 “”After a chapter 7 bankruptcy, how many years do you have to wait to apply for rural housing?
 Our bk will be two years old 11/08. We are 1st time homebuyers.
“”
 “”My experian plus score is 599 and on another crdit report my experian vantage score is 563, which is more accu?
 
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 #repost
 
“”
 Can I get my license back without release form if I file bankruptcy?
 I had a dui 4 years ago. I hit someone, they sued, I can’t pay them because I’m broke. Will filing bankruptcy help me?””
“”
 #repost
 
“How many credit card holders declared bankruptcy last year?’?


 I gave a payday loan company my debit card details a few months back and agreed for them to debit my account.?
 Since then I lost my job and I was unable to pay them. Money hasn;t gone into my accout for a few months but I will be having money going into my account at the end of the month and I don’t want this company to take any money out of my account. I have recently had a new debit card and my details have changed. Will they still be able to debit my account??
“”
 Personal Loan vs. Auto Loan?
 I need a new car, and need a loan for at least 10k of it. I don’t want my payments to be over $200 a month, and I don’t want the term to be any more than 5 years, with no pre-payment penalty. The interest rate doesn’t matter to me, just the monthly and the term. Being that my credit is good, I feel this is simple enough, but my problem is that the car I want is a rebuilt classic from the 50’s. There are no if’s, and’s, or but’s about this — -this is the car I’m getting. The issue is that most banks will only give you an auto loan for cars 15 years old and newer. Thus, do I take a personal loan at a higher interest rate, or is there a bank or credit union anyone knows about that will finance me for a car this old? Or, is there a way to get a personal loan with a similar monthly payments and terms as a car loan? Thank you.””
“”
 “”Sam has a loan that requires a single payment of $4,000 at the end of 3 years. The loan’s interest rate is 6%,?
 compounded semiannually. How much did Sam borrow?
“”
 Are there any companies that cosign for auto loans for a fee?
 Are there any companies that cosign for auto loans for a fee?
“”
 What is the difference between prime lending rate and fixed rate of interest?
 
“”
 Does anyone know a website that I can watch supernatural for free with no download/credit card details?
 I really want to watch it but megashare won’t let me watch seasons 1–4:@ I don’t even have a credit card to put in credit card details and I’ve been looking for a site for weeks
“”
 H&R Block Emerald Advance Line of Credit Qualifications??
 Im interested in doing the H&R Block Emerald Advance Line of Credit, and am wondering what the qualifications are to receive it?? All H&R Block’s website says is that you have to have filed your return with them for the 2005 or 2006 tax season, but doesn’t list any other specific qualifications. It says no credit check so what exactly do they base their decision on? We have filed every year with H&R Block since 1999 & have an Emerald card from last year’s tax return. Thanks in advance for your help!””
“”
 Applying for HSBC auto loan online?
 Ok credit is a 552. If they check my credit will it affect my score (already bad as it is). What are my chances of getting approved with this company? And how much am i looking at getting financed? Plus am i obligated to take the loan? And what do i have to pay, down payment. Looking at buying a 15k car””
“”
 “”Auto Loan : cost vehicle12,000; 7000 down payment ;715 credit score for 3yrs ?
 What payment should i get ? and what does dealer owned car mean ?
“”
 #repost
 
“”
 I received a call from financial crime investigation department complaints?
 I received a call financial crime investigation stating I owe a loan from the pass. His name is Eric Foster with a broken english. He was very rude to me and said I owe a loan from USA Cash Advance in which I never heard of it. I asked him for the number and he said he can’t give me the company number. He told me if I don’t pay the loan back, he will hav e me arrest and I will go to prison. I believe this is a money scam because it sounds very strange. My questi on is how do I find out if this is a scam and how do I take further action so I can get him to stop calling me?””
“”
 #repost
 
“”
 Is it possible to obtain an auto loan and have it taken directly out of paychecks?
 I moved two years ago to support my newborn after finding out my girlfriend was pregnant. I left behind my old car and my family put it in my brothers name so I’ve been stuck without a vehicle. I’ve been working at my current job for 6 months and management said it is possible to pay any debts or loans by having it taken out of my checks. I don’t plan on leaving the company at all and plan on living up here. I’ve tried for an auto loan but was denied because of my bank balance (after fixing my fiancee’s car and her mother’s truck because they were out of work and were on HUD). Is it possible to get an auto loan in this manner? At work, management said they’d need the necessary paperwork to have it directly taken out, but I’m not quite sure if dealerships would allow such payments- since its not directly through a bank. Is this method even possible? The maximum loan i’m thinking of getting is $5000. I’ve talked with several dealers about downpayments and those I can easily handle.””
“”
 Can you get a auto loan with a learner permit in new jersey?
 I’M 32 years old with a learner permit,and i want to get a auto loan for achevrolet blazer.Is this possible in new jersey.””
“”
 Are there really auto loans for any credit situation like a delinquency status?
 I bought my current vehicle over a year ago and it’s died on me recently. The car is a piece of junk and there’s no point investing more money to get it fixed. I want to trade it in for a new or used car I’ve gotten a decent appraisal amount for it but the problem is my credit report. my score is in the low 500’s since i’m just starting to build my credit but my overall credit history is good I’m financing my junk car and haven’t missed a payment. But I owe back payments on a loan i took out for school and its put me in a delinquent status so now every dealership i go to even ones that offer in house financing won’t approve me for a loan even though with the trade in and money down I have over 3000 I can put towards a new car. Is there any auto lender that really approves any credit situation?
“”
 #repost
 
“”
 Online payday loan lender not matching site?
 anyone know of a payday loan LENDER and not a matching website…??i find myself typing the same info in like 5 different webpages and i dont like my information out there like that…so does anyone know of a payday loan lender that has its own website that i can go to an apply for a payday loan? and, i know PDL are not a good idea, so please dont comment about that.””
“”
 Can I get a credit card with bad credit?
 I’ve tried to get one in the past but generally the only ones I can get are pre-paid credit cards. I’ve never had a credit card before but my credit is so bad that everytime I try to get one I get turned down. Anyone know of a credit card I could get with no bank account and no credit checks?
“”
 Taking over friends auto loan?
 My friend has a 05 Acura RSX, he can’t make the payments anymore and his interest rate is about 13.5% his pay off is about 8,000 and his payments are 330, he has 2 years left he says. My credit score is around 720, What should I do in this case? I’m in need of a car, but i’d like to be somewhere around 250$ a month I don’t mind if the loan term increase by another year. So what can I do in this case? Should I get an auto loan through a credit union and pay off his car and just finance my auto loan? I’m confused at this moment.””
“”
 If you pass the means test does it automatically mean you can file for chapter 7 bankruptcy?
 I found a means test online and I took it, I did it two ways, with our income at the moment and our income in the last 6 months. Depending on how I did it, we either had a negative amount of money as disposable income (last six months) or we had a very low amount of disposable income ($128) future 6 months. It said I passed the means test both times, of course I’m not positive if I did it right but I just went with what they had as deductions. If you are below the Median for your state and you pass the means test, will you automatically qualify for chapter 7? We have no assets except for a car we are still paying on. I do have an appointment with an attorney, I would just like to know what to expect.””
“”
 #repost
 
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 #repost
 
“”
 What catchy slogans are there for the Mortgage Home Loan Business?
 
“”
 “”What should annual income be if purchasing a house for 225,000. With 50,000. down?””
 If someone was interested in buying a house for 225k and had 50k to use as down payment, what would annual income need to be in order to qualify for a 175k 30yr fixed mortgage with taxes approx 5k/yr? Credit report is fine. Also, how would you figure out the monthly mortgage for this amt? Thanks so much :)””
“”
 Is Amazon.com safe and secure for me to use my visa debit card?
 i’m not 18, so i dont have a credit card to use, but i really need to get stuff from there cuz its way cheaper, like a financial calculator. i was reading through the info they gave me from the bank, i have a bank of america card, and they say that i would be reimbursed if there was unauthorized payments. is that true, whats the deal? and should i use it or not””
“How many credit card holders declared bankruptcy last year?’?


 Could You trade in car if your still making auto loan payments on that car?
 
“”
 Studying about auto loans?
 Being this is the first time I’ve gone for an auto loan I don’t want to get stiffed as my granddad would say. He goes on for hours about how crooked auto dealers are. I’m going to do some studying before applying for an auto loan and would appreciate any tips.
“”
 Anyone know a legit website that is free to your check credit score?
 I meant to say FICO score.. Does anyone know legit websites for free for FICO score? I remembered before Wamu offered it but it’s no longer Wamu.
“”
 #repost
 
“”
 Auto loan with no credit?
 I’m 18 years old and I have no credit and I need a loan for about 5,000 so I can get a reliable suv. I run a tow truck so income varies from day to day. I need the suv so I can work road side assistance also. Any suggestions””
“”
 Has anyone ever heard of Trinity Credit services from Texas?they do credit repair and want$1500 to do 2 people
 I found these guys on the web. They have been in business 10 years. Their rep says for my husband and I it will be $1500 because there is so much to clean off. This seems excessive but I have not ever done this before. I know we can do it ourselves but we have no time. Can someone please advise?
“”
 #repost
 
“”
 “”If a house goes on a short sale but seller later files bankruptcy, what happens?
 does this mean the house will go into foreclosure?
“”
 #repost
 
“”
 How much money do pawn shops make?
 Now before you start telling me depending on the pawn shop. I just wanted a annual revenue range. I’m thinking ($50,000-$200,000) Is that a good estimate? Thanks””
“”
 Is it possible to get ur house back after chapter 13 but before the house is auctioned off?
 last spring me and my wife filed chapter 13 bankruptcy and gave up our house. at the time I was in school and we couldn’t afford the payments.Since then I have graduated and have a good paying job and would like to discharge the bankruptcy and get my house back but don’t know if it possible.
“”
 #repost
 
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 #repost
 
“”
 “”Bad credit personal loan(for a franchise),people from australia please only reply?””
 i also dont want to get scammed how do i tell if it is a scam or not?and if possible i would like to hear from a lender in australia,please someone help me!!!””
“”
 No interest Credit Card/or Debit Card for a college student.?
 So i’m going away for my first year of college and since i’ve paid most of my bills for my whole high school career my mom is going to pay for all my expenses while im at college (like my gas, grocery’s, supplies). We are trying to figure out the easiest way to do that. Is there any interest free credit cards out there? or would we better off just getting a checking account set up with a debit card. I’m responsible with my money and my spending, so my mom isn’t really worried about me over spending because i wont. I was looking online and there are some offers, like the Chase cards…that have 0% apr for up to #months..what exactly does that mean?? like after my year away at school we can just cancel the card as to not gather interest after the said amount of months. Ideas would be greatly appreciated :) thank you””
“”
 Cut off date for a credit card?
 I have a credit card and I pay it off every month in full, but what I don’t know is if there is a cut off point for my credit card due date. For example if my due date is on the 20th of each month and I charge somthing on the 15th and the bill is already paid will it still show up on this months bill and I would have to repay again before the 20th? Hope this makes sense.””
“”
 Getting a Credit Report?
 Yes, I am over 18"”
“”
 What are the pros and cons of the united states borrowing more money?
 So I already have my own opinions on this crisis we’re facing right now in the u.s. However, I want both sides. Can anyone give me both?””
“”
 What are the best ways to clean up your credit in one year?
 
“”
 Is there such thing as an auto loan mod?
 Is there such thing as an auto loan mod? For like a car truck or boat? I am having trouble paying them i need help.
“”
 Freeannualcreditreport.com?
 Has anybody ordered their credit report through them? I ordered mine about 5 days ago and havent got it yet, did yall get yours?””
“”
 Bad credit auto loan for a private dealer?
 My credit isn’t the best and I’m looking to get a loan for about $6,000-$6,500. But the truck I am looking at is being sold by a friend, rather than a dealer, can I still be financed if it is a private dealer?””
“”
 MY CREDIT SCORE IS 576 IS THIS GOOD ENOUGHT TO GET A LOAN?
 
“”
 Ok i was pre approved for a motorcycle loan and am expecting a check from USAA banking but sellers want cash?
 most private motorcycle sellers want to deal in cash but i was expecting a blank check from my lender to endorse over to the seller (I THINK THATS HOW IT WORKS) can i just cash the loan myself or is there a way i can get the cash so they arnt thinking im trying to scam them
“”
 Why on earth do i have to pay to get my credit score?
 Im trying to find out my credit score. Every place i check, you have to subscribe. All those things that say Free, they arent free. You have to subscribe to some service or website and then you can cancel it within a time limit and not be charged. But i know how that works, they will probably pull some crap on you and cause you to have to pay regardless. Anyways its my credit score, it should be free info provided to me. Why on earth should i have to pay for this? I am interested in buying a new car, as ive been driving the same car for 11 years and its really not as reliable anymore. I even have thought of buying a house since houses are going for a dime a dozen in my area these days. I would like to find out my credit score before i go any further and i keep hitting a dead end. I checked this website creditkarma.com — it was free there but they gave me a credit score so high im not certain if it was right. It said 780. I know i had a hard time around 2 years ago with a few credit card bills while i was laid off but have since gotten caught up, thus this makes me feel skeptical about that.””
“How many credit card holders declared bankruptcy last year?’?