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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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 very good standing, but I'm always looking for ways to improve. To fully understand my ...
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144 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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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
49 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
37 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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73 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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13answers
5k views

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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2answers
96 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
167 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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49 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
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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
46 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
92 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
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 ...
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2answers
123 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
75 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
114 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
282 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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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
166 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
481 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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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 ...
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1answer
73 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
117 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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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 ...
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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
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 ...
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2answers
92 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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2answers
115 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
215 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
183 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 ...
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1answer
78 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 ...
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1answer
68 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 ...
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2answers
84 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 ...
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1answer
50 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 ...
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3answers
174 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 ...
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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?
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4answers
121 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 ...
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5answers
903 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 ...
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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.
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2answers
806 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, ...
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1answer
120 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
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1answer
139 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
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1answer
176 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 ...
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1answer
58 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 ...
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1answer
232 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 ...
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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 ...
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3answers
346 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
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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 ...