Credit cards are unstructured debt accounts linked to a plastic card that allows the holder to make purchases from retailers that accept the card. Common credit card networks in the U.S. include Visa, MasterCard, Discover, and American Express.

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Question about using a VISA card to withdraw money from PayPal balance

According to the following PayPal policy, https://cms.paypal.com/mz/cgi-bin/?cmd=_render-content&content_ID=ua/RecPymt_print The only way for me to withdraw money from PayPal in my country is ...
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1answer
104 views

Would you liquidate your 401k to pay off debt in this situation?

I have a potentially complex situation that I am looking to resolve in the least painful way possible. I am going through a divorce. My income is nearly twice as much as my ex's, and I am going to ...
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1answer
51 views

How does credit card's online authentication work?

I am not sure if this question is valid here but this seems to be the most appropriate place. I have a credit card which I use to shop online. When I checkout a product on say, Flipkart, it asks me ...
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1answer
39 views

How does a bank determine when to report you to Credit Bureaus when added as an Authorized User on a Credit Card?

I've heard that when you are added as a an authorized user on a credit card, it would be reported on your credit history. Example: Larry has a Chase credit card John Doe has no credit cards Larry ...
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3answers
91 views

Soft Loan using a 0% APR credit Card

I am getting a new Student Credit Card . It has as 0% Intro APR for 18 months. The credit card company is ready to loan me money, which I can repay in 18 months at 0% APR. With this loan money I ...
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Is there a catch in applying for a credit card with the first year free, then cancelling before paying for the 2nd year?

There are a lot of cards with very tempting bonuses and rewards which include the first year annual fee waived. The thing is, I want to take advantage of the specific benefits and then bail out when ...
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2answers
82 views

To whom should I report fraud on both of my credit cards?

I have two credit cards with separate banks. In the last two weeks, I've had one fraudulent charge on each of them. Both fraudulent charges were from businesses in the same city, that is not where I ...
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What happen if I don't pay credit card and leave the country

I have a credit card debt of $600, five years ago in Newzealand. I left the country from then, now I live in Singapore. Will the Newzealand bankers come to Singapore and ask my bank to take money ...
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127 views

Is there a rule that a merchant must identify themself when making a charge

Recently I sent several credit card payments online. The company that charged my card is a multi-billion dollar company, so not just a small start-up. However on the statements the charges appeared as ...
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1answer
36 views

Is it possible to negotiate getting a better credit card tier without the annual fee? [duplicate]

I was logging on to my online credit card account and I saw that there were now offering better cards but with annual fees. My current card is the same variation, but less benefits and zero annual ...
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4answers
157 views

What to do with this cash- pay off ONE card, or pay down a few?

I've got a $5k payment coming through with about $12k in CC debt, over 4 cards. 1 card is at $3000 (total line is $4k), 14.8% interest rate, another at $3450(total line is 4.5k), 19.3% interest rate, ...
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61 views

Over payment via autopay

I have an amex account, say the balance is $200. I setup autopayment for $500 every month. What happens to the $300 left over after the autopay? Do they just take the $200, an no more? It is too ...
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3answers
126 views

What is the difference between the closing date and due date for a credit card?

I just got my first credit card ever to begin building a credit. I got the chase credit card called Freedom. I have heard so many stories of credit cards that I got a little scared and that is why ...
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3answers
744 views

What are the complications of making different signatures?

I'm a young person, new to the professional world such as banking. At first, I had difficulty maintaining the same signature. For example, when I opened the bank account, I made different signatures ...
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1answer
64 views

In what circumstances will a bank waive the annual credit card fee?

I've had my credit card for two years. I use it extensively for all kinds of purchases and I have never gone over my limit or incurred a late payment fee. The card has an annual fee and I was ...
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1answer
61 views

Apply for credit card online and get card # immediately?

Are there credit cards, as for online shopping only, that one can apply to online and get the card number immediately, without waiting for a physical card to arrive via snail-mail?
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2answers
61 views

How can I judge loan availability?

I want to apply for home loan ( I am from India ). But I did not know If I am qualified for loan or not. Previous history is that I already have a home loan for a property through my family. That ...
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2answers
153 views

How do I know what credit card to sign up?

So I'm very late to the building-up credit party (27 y/o) but I was thinking since I use Amazon a ton and will be using it even more now that I'm moving into my own appt, an Amazon Credit Card would ...
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2answers
173 views

Am I investing properly for my future?

What should my next step be? I apologize in advance for the length of the post. I consider myself to be in a good standing, but I'm always looking for ways to improve. Student loans: I graduated ...
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5answers
349 views

How can people have such high credit card debts?

Apparently, the average US household has 16000 US$ in credit card debt, with even college graduates having 2000 US$ by the time they graduate. In Canada, this figure is almost 27000 CA$. For ...
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1answer
62 views

If I buy a $0 subsizided phone with a carrier, can my credit card extended warranty apply to the phone purchase?

I'm currently considering getting a subsidized phone for $0 with a 2 year contract through some Canadian carrier. I'd like to use one of my credit cards that extends the manufacturer warranty up to 2 ...
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1answer
60 views

How can I resolve a missing credit card reward check?

My wife has a points-based rewards card with a significant point balance. Recently she tried to cash her points (for around $200), requesting a paper check be sent to her mailing address. After 3 ...
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1answer
45 views

Make Visa, hybrid debit/credit card default to credit mode?

I have a Visa, "hybrid" debit/credit card. Is there a way to make it act as a credit card by default so I don't have to hit "cancel" or "ok" when checking out, just to get it to use credit mode?
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1answer
85 views

Why does the American Express credit application ask how you want your name to appear?

On the Canadian credit application for an Amex card after it asks for your full name it asks next: how do you want your name to appear on the card? I don't remember Visa asking this. Does this mean we ...
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14answers
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What are the reasons to get more than one credit card?

I currently have one credit card, and I was thinking of applying for another one since my current card is Amex, and not many stores support that, so I'm thinking of getting a Visa or Mastercard one. ...
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3answers
136 views

What is the best credit card for someone with no credit history

A little background, I've never had a credit card and I'm seriously due for a credit check as I've never had one. I've applied to numerous credit cards and I've been declined every time. I hold a ...
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2answers
219 views

How do celebrities protect their banking-related identity?

Wanted to know this for a very long time, but not sure what's the best place to ask. Their information is everywhere, and public. Like movie stars, pop stars, etc. I know some use a company account, ...
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59 views

How soon (after your first credit card statement ever) do you get a credit file/history in Canada?

How many days after your first credit card statement EVER does one get a credit report on file with one of the two Canadian bureaus? I'm trying to develop Canadian credit on my first credit card and I ...
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4answers
1k views

Credit card issued against my express refusal; What action can I take?

About a year ago, I walked into my local Wells Fargo branch, where I have several personal and business accounts. I had several transactions to take care of and I asked the banker to be quick because ...
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1answer
50 views

Receive credit card payment sending my customer details to a credit card processing company?

I would like to receive credit card payments for my business. (tourist apartment). I actually get my guests via the booking.com website. This company provides me the guests credit card details. But i ...
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2answers
103 views

Magazine subscription leads to unauthorized recurring payment

I've heard various stories about unscrupulous business practices relating to recurring credit card payments, but this is a new one on me. I've been subscribing to Scientific American for a long time, ...
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11answers
5k views

Will a credit card issuer cancel an account if it never incurs interest?

I have a few credit cards that are currently carrying some larger "promotional" balances. These are purchases that I decided to put on a 6, 12, or 18 month 0% APR financing offer vs. taking any points ...
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6answers
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I received a refund when I did not return the item, and they won't reverse the refund? At what point is that considered “my money”?

The item was a mattress, which I still have and never asked to return. They made a mistake with my delivery and the delivery fee was supposed to be returned. However, the credit, about $600 is on my ...
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2answers
156 views

Credit card with no card holder names on it

I am interested in creating a credit/debit card for online use which in no way references my real names and etc. I need to use, for say, pay some website hosting and not expose my credit card printed ...
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1answer
91 views

How do credit card companies deal with disputes of duplicate charges?

I recently read a post on another site about this situation, and was wondering, as a general question, what stops a merchant from (inadvertently or deliberately) providing multiple copies of ...
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2answers
121 views

Rental Car Company or Insurance Provider: Whom Do I Call First?

Scenario: I have a 7-day rental on a car from Budget Rent-A-Car. I purchased the rental it with my Capital One Platinum MasterCard, which has rental car coverage. During the evening--below freezing ...
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2answers
302 views

How do credit cards, minimum payments, and interest work?

I'm just starting out in my financial life and such, so I want to make sure I understand credit cards to avoid nasty surprises when I receive my bill. I am starting to look at credit cards, and there ...
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28 views

Provident Fund is deducted as Basic+DA*12% is that correct?

Am working in a Software company as a contractor, my vendor is paying our salary is such a way where 12% of Basic+DA is deducted as PF for both Employee and Employer's and post that is our Gross ...
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1answer
177 views

Who is legal owner of credit card, me or bank?

As far as I understand, usually with some official documents (such as Passport), the government/passport office is the one who owns it. Is the same thing is with debit/credit cards? Just theorising: ...
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2answers
504 views

Is credit card payment authorization safe?

I live it Canada. I took an IELTS test (english test) last month and they want me to pay the courier charge by filling a credit card authorization. (because I missed the free delivery) They sent me a ...
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2k views

It is legal if company asks for scans of my Credit Card?

I've made the deposit into my investment account, but company ask me for the scans (front and signed back) of my Credit Card that I used to make the deposit and send them via e-mail for verification ...
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1answer
78 views

When is credit card utilization calculated?

I'm confused on how and when credit card utilization is calculated for one's credit score. Is the credit card utilization percentage calculated based on the maximum balance you had in a given month? ...
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2answers
149 views

How do I protect my credit/debit cards from being stolen or scanned?

Until a few years ago my credit card number had only been stolen once, about 15 years ago. But in the last two years it has been stolen four times. The first recent time was a few years ago in Hawaii, ...
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27 views

How to pay when merchant only accepts UK creditcards? [duplicate]

I'd like to buy something at a site that only accepts UK credit cards. I'm situated outside the UK and I don't have such card. I've asked about this before, but unfortunately that question was put ...
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2answers
59 views

What constitutes 'income' for credit card &c? (US specific)

I also have gotten several inquiries like this one My credit card company is asking for my current income citing "Federal Regulations" which started me wondering just what is considered ...
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3answers
124 views

How to minimize the risk of a credit card being compromised

Our credit cards got compromised at least 4-5 times in the last year. It's nothing that we did, it's typically security leaks and hacks at retailers: Home Depot, Target, Staples, etc. Every time that ...
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100 views

There are 2% cash back (on all purchases) business credit cards, are there ones for individuals? [closed]

I've been searching for a simple, 2% cash back (no exceptions or categories, etc etc) credit card for individuals. My capital one business CC is quite simple - 2% cash back on all purchases. I have 2 ...
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146 views

Is it possible to get a Visa or Mastercard Gift Card in the US and use it to buy UK products that require a UK billing address?

Is it possible to get a Visa or Mastercard Gift Card in the US and use it to buy UK products/services (online) that require a UK billing address? I know that in the US, I can buy something like that ...
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3answers
231 views

If I pay the balance due, will I pay no interest in that month?

Here's what I have : Total Balance : X Balance Due : X-500 Minimum Payment : 50 If I pay X-500, will I pay zero interest on that month? Or will I pay interest for the remainder of ...
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4answers
191 views

Should I get a credit card if I already have a debit card?

I'm sorry if this question seems a duplicate of another (likely this), but my situation is actually a little different. My situation is that, I have a debit card from a bank I find convenient but ...