Just make sure you refinance with a credible lender or company. This makes sense if a lower interest rate or longer loan could make your car payment doable. If lenders break the rules, they might lose other rights against you or have to pay you damages. States have their own rules about how cars can be repossessed and what happens after. Check with your State Attorney General or local consumer protection agency. Find out what rights you have in your state.If your lender agrees to any changes, make sure you have them in writing for later. Some banks, credit unions, and auto financing companies are letting people delay payments or renegotiate their payment schedules. Identity Theft and Online Security Show/hide Identity Theft and Online Security menu itemsĪre you worried that you won’t be able to make your next car payment because you’ve lost your job or income because of the Coronavirus? Or are you already behind on your payments? You’re not alone.Unwanted Calls, Emails, and Texts Show/hide Unwanted Calls, Emails, and Texts menu items.Money-Making Opportunities and Investments.Jobs and Making Money Show/hide Jobs and Making Money menu items.Credit, Loans, and Debt Show/hide Credit, Loans, and Debt menu items.
and the only negative impact is this company. My current score in spite is 757,727,742. I'm buying a house and the bank has told me these late payments will impact me, because its current. This company prays on people that have so much to lose by this type of negative impact. I have contacted Crescent several times regarding my concern, with no compassion to my issues. This 15 late payments has impacted my credit reporting negatively, had the agent 2/2020 told me continue paying and/or late payments would be reported later, I would have exercised another option. Crescent credit reporting went back to 3/2020- 7/2021 and showed late payments prior to the settlement, it showed CHARGE OFF before payment. I sent the payment, but Crescent wasn't done taking advantage of me. The account was finally assigned to a collection agency 1/2021 and the gentleman was hard-selling me to give more than I owed or can afford, finally 3rd quarter, he accepted an amount, I could afford. I argued that with the gentlemen & he told me the account will eventually go to the collection company, which point, I could negotiate with them. I finally spoke with someone the end 2/2020, that closed the account to eliminate the customer service calls, mid-July or August, I called & was told the balance was more than the original $7980. Customer service continued to call me, so I made 1/2020 & 2/2020 within the 30 days.
The car would have to be auctioned and the amount applied to my account, and then the balance would be determine. It’s known for approving customers with credit scores as low as 450.ġ/2020, the car was totaled, I called Crescent & inform them that the car was towed & completely totaled, so I want to make an offer & close the account. Auto loans Crescent Bank offers auto loans in 32 states. However, these accounts must be opened at a branch. A minimum $1,000 deposit is required, and you can open a CD online.Ĭrescent Bank also offers IRA CDs with similar terms. Certificates of deposit Crescent Bank CDs come in one-year to five-year terms and have APYs up to 4.75% at the time of publishing. The service fee is $10 for personal accounts and $12 for business accounts. It has tiered interest rates ranging from 1.70% to 2.20% APY as of publishing, depending on your balance. The Crescent Bank Money Market Account is a bit better, requiring a $1,000 minimum deposit. However, it requires a $100,000 minimum opening deposit. Savings accounts Crescent Bank’s Jumbo Savings has no monthly fees and earns 2.20% APY at publishing.
If your balance dips below $1,000, a $10 service fee kicks in and you don’t earn any interest.īoth of Crescent Bank’s checking accounts can also be opened as business accounts. The Personal Checking Account has a $100 opening deposit and a service fee of $0 to $10 based on your account balance.Īt publishing, the Crescent Bank Personal NOW Account has a 1.40% annual percentage yield (APY) and a $1,000 minimum opening deposit. Crescent Bank provides customers with these financial products: Checking accounts Crescent Bank has two checking accounts, both of which can only be opened in person at a branch.
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