Question #1. re: credit. I have one credit card, and I always paid the balance in full every month for three years. But I had a string of emergencies earlier this year, so I've been paying the minimum for about 6 months, and I'm now over my limit by about $30 (due to a gym membership that I canceled months ago, but they're still billing me every month b/c they're shady bastards.)
How much is this going to hurt my credit score?
And after I pay off the balance...if I just charge some miniscule amount every month (like only charge 20$ of groceries or something on the card) and pay it off every month, will that improve my credit score?
Question #2: re: bank accounts and the IRS.
I'm a dual citizen, and I want to open a savings account in another country the next time I go back for a visit. Just because I would feel more secure not putting all my eggs in one basket money-wise. Would this somehow increase my chances of an audit in the U.S.?




Reply With Quote


Bookmarks