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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8
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4answers
532 views

Credit card issued against my express refusal

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 ...
0
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1answer
37 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 ...
4
votes
2answers
75 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, ...
22
votes
11answers
4k 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 ...
26
votes
6answers
5k views

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 ...
0
votes
2answers
116 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 ...
2
votes
1answer
74 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 ...
6
votes
2answers
111 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 ...
6
votes
2answers
278 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 ...
0
votes
0answers
22 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 ...
1
vote
1answer
164 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: ...
3
votes
2answers
475 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 ...
5
votes
3answers
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 ...
0
votes
1answer
69 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? ...
2
votes
2answers
110 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, ...
0
votes
0answers
25 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 ...
1
vote
2answers
48 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 ...
2
votes
3answers
112 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 ...
1
vote
2answers
90 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 ...
2
votes
2answers
108 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 ...
1
vote
3answers
214 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 ...
1
vote
4answers
182 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 ...
-1
votes
1answer
76 views

What can you with no income do, if you want credit card limit increases? [closed]

Assume that one has 0 income, but regularly uses her credit card, always promptly pays the balance (eg from savings). I've heard from some banks that they generally eschew or decline credit card ...
0
votes
1answer
66 views

To prevent credit score decreases, what are the optimal frequency and number of credit card applications in Canada?

The bolded seems anecdotal; is there any official source? http://www.moneysense.ca/debt/know-your-credit-score: While you can check your own credit as many times as you’d like, others can only ...
0
votes
2answers
83 views

In Canada, can a rejected credit card application hurt?

These two conflicting articles by the same author apply to the US, but what about in Canada? I'm only interested in one or two credit cards, so should I just apply singly one at a time? Will a ...
0
votes
1answer
48 views

Handling of credit card bill transactions on bank account when using online banking in Gnucash

I'm using HBCI for downloading both my bank account and the credit card account. The weekly credit card bill will be downloaded in two transactions, one in the bank account and one statement in the ...
1
vote
3answers
166 views

any credit cards that won't let you go over your limit?

My credit card company has this language in the agreement: You must keep your Account balance below your Account credit line. If you do not, we may request immediate payment of the amount by which ...
2
votes
3answers
204 views

Looking to get my first credit card

I have no prior credit history. Does anyone know of a credit card company that doesn't require much (if any) deposit money down and has a high approval rate for first time credit card holders?
3
votes
4answers
120 views

How much do I need to travel for mileage rewards to beat cash back?

I'm happy with my cash-back rewards cards. I pay my balance in full and don't care about the interest rate. Now I'm trying to evaluate a promotional offer for an airline miles card to see if it's ...
5
votes
5answers
895 views

Should I use cash back rewards for rewards, or to pay off the balance?

I have a credit card with cash back rewards. I can use these rewards to go shopping on Amazon, for example, to buy gift cards, to pay off the balance, and possibly some other options that I may have ...
0
votes
1answer
51 views

Intenational Credit card

How to get an inernational credit card? I can't get it in my country from a normal bank I need a card from a virtual bank or sth like that . what is the best way.
4
votes
2answers
797 views

Credit Card Purchase - 'it is the bank's money no[t] yours' ?

[25% down the page] Finally, always use a credit card to make major purchases - you can always pay off the balance immediately so it doesn't cost you any more. Bankers get a bad wrap these days, ...
1
vote
1answer
116 views

My bank refused to do a charge back

Once I got mis-charged on my bank-issued debit/credit card. What happened is that a COMCAST service representative offered to connect me with "premium" technical support for $50, so I said OK, then ...
4
votes
1answer
137 views

Does mechanically disabling payWave/PayPass by punching a hole formally invalidate the card?

There's a bit of paranoia about whether payWave/PayPass contactless payments technology is fully secure and some people are willing to disable those in their cards. This post and this post explain how ...
6
votes
1answer
173 views

How to protect myself against unauthorized recurring CC charges?

A gym I used to be a member of and to which I owe no more contractual obligation but are being difficult about membership cancellation still have my CC info. I changed my CC number hoping their not ...
5
votes
1answer
53 views

Transfering balance between VISA cards in different continents

Is it possible to transfer credit card balance from a VISA card issued in Europe to a VISA card issued in the US? I've never done balance transfers before, and I (US card holder) need to help my ...
2
votes
1answer
206 views

Do early payments reset my limit?

Does paying for my balance before my cc company produces a statement reset my balance? Say I have a limit of $5,000 and use $3,000 and my cycle ends around the 27~ end of month. I pay on the 21st a ...
2
votes
1answer
53 views

Credit card at Best Buy [duplicate]

I also just bought a TV worth $1400 with a best buy credit card. I only want to pay for the TV and never use this card again. Can someone tell me what I should do after I pay for my TV? How will not ...
7
votes
3answers
343 views

How can I reduce the risk of credit card closure when paying the balance in full?

This is a follow-up to another question I asked many months ago: Why was my credit card just cancelled? I'm now prepared to pay off a couple more credit cards, but I don't want the accounts to be ...
2
votes
1answer
110 views

Credit card company doesn't have a record of my account

In 2006, I was notified by mail that a credit account I had opened three years earlier was being transitioned to a new, different account. Both accounts are currently reported as open on my credit ...
3
votes
2answers
316 views

What should I be considering, as a student with an income for one year?

I'm a 3rd year university student (age 20) in the UK, and I'm half-way through a years placement that's paying ~£1200/month which finishes in July. I'm engaged, and looking to get married after I've ...
-1
votes
1answer
58 views

Which US services allow small/micro-payments using a credit card? [closed]

I'm looking for some US-based service that allows having frequent and small payments via credit card. Ideally it should be some popular or mainstream service. A hypothetical example of a good ...
1
vote
2answers
180 views

Why are rewards for credit cards so much better than debit cards?

My understanding is credit card companies make money based on a transaction cost, which presumably is the same for credit/debit. I can't really find information on this, so it might be a faulty ...
0
votes
3answers
392 views

What happen if we do not pay facebook

I buy services from Facebook, but recently I wasn't careful and exceeded my credit card's limit. Then Facebook sent me this: Amount You Owe: $518.35 USD We were unable to charge your ad ...
2
votes
1answer
85 views

Do I need to bargain with my credit card customer service for better offers?

I am very new with credit card stuffs. I started with a BOA secure credit card with a credit limit of $300. I always pay off my balance in full each month and never go beyond my credit limit. I ...
0
votes
2answers
133 views

Can a name be gotten from an account number?

Can a name be gotten from an account number for whom the account bearer is not known? That is to say, should Tim send Jim ONLY his account number, can Jim identify Tim with this information alone? ...
0
votes
2answers
196 views

FICO score provided by discover card legit?

Recently Discover Card has started putting a FICO score on my statements. I was wondering how accurate this score is. Is it an approximation or accurate? What would be other ways (free/paid) to ...
0
votes
1answer
99 views

Approved for a Credit Line of $700 BoA

I'm 18, and I recently applied for a Credit Card at Bank of America. I applied for the BankAmericacard Cash Rewards Platinum Plus Visa, I got approved for a credit line of $700, I was wondering how ...
1
vote
0answers
28 views

file a complaint to bureaus of a company's residence if you live in another country?

Can I submit a consumer complaint to Better Business Bureau, federal Trade Commissionn, or the Consumer Frauds and Protection Bureau if I've bought a faulty product froma company based in Brooklyn, ...
9
votes
2answers
2k views

How is Discover different from a Visa or a MasterCard?

I was searching online to compare the new offer I have from Discover, and I found that credit cards are divided into Visa, MasterCard, Discover and American Express. How is the Discover card ...