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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What mix of credit lines and loans is optimal for my credit score?

Mint.com just told me my credit score. It says in the advice section: Try to have a good mix of credit lines open. Creditors like to see that you have both loans and credit cards. If you're low ...
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52 views

Using credit card near the closing date

Say my closing date is on April 28. and I currently have $0 balance. Is it ok to use the credit to buy something around today (April 24)? Or should I keep my $0 balance until the next closing date and ...
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88 views

How will getting a second credit card from another bank impact my credit score?

I am almost 20 and have had a credit card since I was 18, I was working (officially) since I got my chequing account in early teens. I have been with TD Canada Trust ever since (Canada). Now I want to ...
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Most Efficient Spending Habits To Build Credit Given My Circumstances

I had a question regarding building credit. I have no past credit history, and just opened a secured card with a $200 credit to help me build mine (yes, it reports to all 3 bureaus). I currently have ...
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159 views

Price drop protection on Apple iPhone

Two of my credit cards (Discover and Citi) have programs for cardholders that allow you to buy a product and if the price drops in certain amount of time, file a requests to be reimbursed the ...
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134 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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57 views

Nonresident Travel Money (Card or Bank Account) Solution with Emergency Cash Feature in Euros?

I'm from the new EU so my country's banks are not that advanced that they can offer me this feature. So this will be a nonresident account for travel money. The solution I am looking for is like ...
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Do no-balance-transfer-fee credit cards make exceptions in their special offers?

I have a wide array of credit cards that I use to maximize rewards. Every now and then I get an offer in the mail from one of the cards I haven't used in a while, offering 0% APR on balance transfers ...
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138 views

How does a debt consolidation loan affect my credit score?

I am in a stinky situation where I accumulated lots of debt by paying my tuition fees on my credit cards and now they are just killing me with interests. Being on a visa, I was not eligible for a ...
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58 views

Default on credit report

I was wondering if anyone could help me with a situation that is giving me a lot of trouble at the minute? Back in 2011, I took a credit card with Vanquis Bank. Being young and silly, I didn't really ...
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37 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, ...
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130 views

Is it possible to add a EUR Master Card in PayPal?

I have a bank account and two Master Cards with it: for USD and for EUR. I want to add EUR card in my PayPal account. Is it possible? Do PayPal accepts Euro or it will exchange Euro to US dollars?
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How do I reconcile a pre-payment on a credit card in Quickbooks?

I have two payments to credit card for the same period. One is tied to last month's reconciliation but the other one is just a prepayment because I wanted to charge the account over my limit, so I ...
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Does RBC in Canada report to Equifax or Transunion?

Anybody have a RBC credit card and know which agency they report to?
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Home Office Rent Expense Payment via C-Corp

I am a 1 person incorporated C-Corp software development company. (Although, I currently usually do not use the C-corp for most checks and contracts which just go straight to me as an individual.) ...
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Can cash advances still be made if the cash advance limit is 0

Banks/issuers are sometimes reclassify credit card purchases (i.e. purchases of cash-like items) as cash advances. Is it possible that a cash advance type of transaction could trigger cash advance ...
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44 views

Create bank account for LLC company

I live in Europe and I want to register LLC company in USA. Registering a company is very easy using company specialized in this area. But the major problem is how I can open bank account in USA ...
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129 views

How Often Should I Chase a Credit Card Signup Bonus?

I put as much of my spending on credit cards as I can, to collect the cashback rewards. I see a lot of credit card offers that have a signup bonus--I've taken advantage of several of these offers in ...
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64 views

Advice for applying for new credit with no history to lose

I have had a credit history for all of 7 months, and so I only recently (hypothetically) got a credit score. Now I would like to add a small loan and some better sources of credit to my wallet, and ...
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137 views

Is there a downside to applying for several credit cards for rewards?

Qantas offers several bonuses (mostly frequent flyer points) for applying for some credit card programs and spending X amount within Y months with that card. Most of these cards have annual fees. I ...
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Switching to PC Savings account from PC Credit card

I currently have a Presidents Choice credit card on which I have kept a low credit limit. I use this credit card for day to day purchases. My primary reason for getting this card were the PC Points. ...