Questions tagged [credit-card]

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 address should I key in when using a friend's credit card?

I am from India. I am registering for an academic conference taking place in Australia. My credit card doesn't allow international transactions, so I am paying the conference registration fee using a ...
cpursekar's user avatar
-1 votes
4 answers
200 views

Can i set up a recurring credit card charge to an individual? [closed]

I want to set up a recurring payment to a friend, and ideally, I would like to use a credit card to pay them. Is there a way? My friend would need a way to receive from or charge to my credit card - ...
AndOr's user avatar
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0 votes
2 answers
206 views

Credit card company won’t take their money

Account was transitioning to closing so I couldn’t pay until it transitioned which took over a week of me calling. Attempted to make a payment but it got declined from my debit card which the credit ...
breadgg's user avatar
4 votes
1 answer
347 views

How is Credit Card Interest charged?

It is my understanding that if have an outstanding balance on most credit card and you use it make a purchase then the interest will start to accrue from the date of purchase. However, I thought that ...
Bob's user avatar
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0 votes
2 answers
194 views

Is there a good solution to not paying extra charges when paying by payment card?

One hears about situations where someone legitimately pays using a payment card, but further charges are made unexpectedly. Examples include additional charges determined by the company without ...
User65535's user avatar
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1 vote
0 answers
126 views

Does Capital One Buying Discover Revive My Capital One Debt?

I never paid a Capital One CC debt and now have a Discover card. After the proposed sale of Discover to Capital one can Capital One transfer my old debt to the Discover account that I have and ...
Bert's user avatar
  • 11
8 votes
3 answers
3k views

Are contactless cards more secure than "insert required" cards?

I have been using my credit card in Asia. Vendors frequently commented that what I was doing was insecure because my card didn't require a PIN and was not contactless. I got a new card that is ...
Ken - Enough about Monica's user avatar
4 votes
1 answer
758 views

Online ticket website confirmed order but didn't deliver tickets + charge my credit card so I bought again

This live event ticketing website confirmed my order but it got sent to my spam. Since I didn't notice it in my inbox and saw no credit card transaction for it, I bought it again. Now I'm scared that ...
btrballin's user avatar
  • 371
4 votes
1 answer
223 views

Can a prepaid Amex be legally allowed to expire in Canada?

While moving, I recently found an old prepaid Amex card that I had originally selected from my then-employer's "recognition" benefits program. The card expired in 2013, but my understanding ...
Grade 'Eh' Bacon's user avatar
1 vote
1 answer
119 views

Is there anyway to retrieve the MCC of a store while making a transaction?

I'm trying to build an app that involves credit cards and I want to know if there's a way that I can get the merchant category code (MCC) of the store before I make a transaction using a credit card ...
Alexander Dong's user avatar
16 votes
7 answers
8k views

Can I dispute a credit card charge for a hacked Vanilla Visa Gift Card?

I bought 4 $500 Vanilla Visa Gift Cards from CVS Store #2149 in Alexandria, VA right before Christmas. I used my Citibank MasterCard to pay for the gift cards. They were for my employees as a holiday ...
Del Mar 2024's user avatar
1 vote
1 answer
129 views

Does the customer have obligations under Know Your Customer?

I have a credit card with a Canadian bank that I do no other business with at all - no accounts, no loans, no investments. They sent me a letter asking me to confirm that all the salient details are ...
Kate Gregory's user avatar
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11 votes
4 answers
3k views

0 APR Promotional Offer For Credit Cards

I’m currently learning about personal finance and I just found out that there are some credit cards that will give zero interest rate for a certain period of time (10-20 months). I know that to get a ...
Matthew Hua's user avatar
3 votes
3 answers
735 views

Why would I be asked for the last 4 digits of a card number for a card-present transaction?

I regularly shop at a store where they ask me if I am a member of their loyalty program (no), then I insert my chip-enabled card into their card reader, the purchase is approved, and after the ...
Badger's user avatar
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1 vote
1 answer
110 views

LLC Credit Card - When does money count as being spent

I run a single member LLC in the state of Virginia and, for tax purposes, I am trying to figure out calculating profit/loss at the end of the year when using a business credit card. In the first year ...
Elder Tree's user avatar
15 votes
2 answers
7k views

What is this scam? Card CVV entered incorrectly too many times

I have a Visa debit card that I use mainly for travel (it has low FX fees). The other day I received loads of notifications from the corresponding app: 2 with 'The CVV was incorrect', followed by 4 ...
rinspy's user avatar
  • 271
2 votes
0 answers
66 views

Time Limits on chargebacks when large company assures me refund is in progress

Short version: Company rep has told me "refund is in progress" for a purchase I made with my credit card, however, it's been over a month, and I have not seen the refund. When or should I ...
Rboreal_Frippery's user avatar
0 votes
1 answer
667 views

Will a negative reward points balance of a credit card incur interest?

If I have a credit card with a negative reward points balance (say due to a returned product), and if I let the reward balance remain negative, will this eventually incur interest charges? A negative ...
Zuriel's user avatar
  • 1,569
14 votes
5 answers
10k views

A stranger messaged me “please put 10 dollars on my card”, followed by a card number. Is this a known scam?

I got contacted by someone on Telegram with the user name "." with the following message: I am a citizen of Uzbekistan, my child is sick with gout, so can you put 10 dollars on my card ...
Scz's user avatar
  • 257
-2 votes
1 answer
511 views

Should I pay the current balance or the remaining statement balance to avoid paying interest on my US credit card? [duplicate]

I have a credit card. I used it to make a few payments. In my account, I see: If I want to avoid paying any interest or late fees, do I have to pay the current balance or the remaining statement ...
Franck Dernoncourt's user avatar
-1 votes
1 answer
92 views

What are the different data levels for credit card transactions?

I recently came across this notion of levels, as in "level 3 data", for credit card transactions. I'm not sure what is meant by that concept. What are the levels for credit card transactions?...
jxramos's user avatar
  • 1,421
0 votes
2 answers
106 views

Is it possible to impose a rolling window budget on cards?

I use credit cards for most of my spending. My issuer allows me to create "additional cards", which can have a spending limit (can be changed more easily and quickly than credit limit). I ...
gomennathan's user avatar
-3 votes
1 answer
315 views

How can banks & credit cards fall victim to what seems obvious fraud?

I'm trying to identify the company that is a payee on my credit card statement where fraudulent transactions were paid, but I'm having a difficult time. There are a couple of scams that have ...
artiefufkin's user avatar
8 votes
4 answers
4k views

Online shopping: order date vs shipping date vs charge date

I’m not sure how long this pattern has been going on but I just noticed certain charges on my credit card statement do not match the order date for my online purchases, particularly with Amazon.com. ...
jxramos's user avatar
  • 1,421
10 votes
1 answer
7k views

Dropship scammer hasn't billed yet - what's going on here?

A family member recently fell for a scammy online merchant who was advertising nice-looking goods at reasonable price. They ordered about $150 US worth of merch, then shortly after the order had gone ...
GB supports the mod strike's user avatar
2 votes
1 answer
151 views

Received an unrequested business credit card - identity theft?

I received a "Divvy business card" in the mail. I didn't apply for this card. The mail contains my name "cardholder name" and doesn't seem to be just spam. I do have an LLC but ...
Ken - Enough about Monica's user avatar
-5 votes
1 answer
266 views

How do I file a complaint about a bank's dishonest practices to Visa/Mastercard?

How do I file a complaint about a bank's dishonest practices to Visa or Mastercard?
xqwxeqwex's user avatar
  • 128
1 vote
2 answers
103 views

Fees associated with credit card payments for small businesses

I once went to a deli in Boston, and when I attempted to pay with a credit card, they said that the process will cost them almost 10% of the entire sale. This was curious to me since I had always ...
James McDonald's user avatar
-4 votes
2 answers
157 views

Credit card company questions [duplicate]

What credit card or debit card companies allow for you to set a maximum swipe charge? So that when the limit is above, it either denies it, or texts you for approval. I am not looking for advice on ...
Neal Conroy's user avatar
0 votes
2 answers
187 views

Improving my credit score by getting my own card vs being added as an authorized user on a better card

Does getting added as an authorized user on my relative's higher tier credit card (with an annual fee and better benefits) have a different impact on my credit score when compared to getting my own ...
rahul Saha's user avatar
3 votes
3 answers
2k views

Adding someone as an authorized user vs giving them credit card details

Is there a benefit to adding someone as an authorized credit card user as opposed to just giving them my credit card details without adding them as an authorized user? Is the only benefit of adding ...
rahul Saha's user avatar
5 votes
4 answers
5k views

When a customer buys a product with a credit card, does the seller receive the money in installments or completely in one transaction?

Assuming a customer buys a $2,000 computer with a credit card and will pay in 12 months, will the seller receive those payments in 12 installments? or will he receive them all in one payment?
Willy's user avatar
  • 99
4 votes
2 answers
2k views

Can Visa, Mastercard... credit/debit cards be used to receive online payments?

If I open an online store and allow my buyers to pay by card, can I receive those payments on my own international credit/debit cards? Or are those cards only for spending? If this is possible, what ...
Willy's user avatar
  • 99
4 votes
5 answers
842 views

Extended warranty scam -- should I dispute the credit card transaction?

My spouse was the victim of an extended warranty scam, and charged ~$2000 to my credit card. I called the scammer back and threatened to dispute the transaction, and he told me that he will void the ...
Betterthan Kwora's user avatar
12 votes
2 answers
4k views

Should I report stolen card or damaged card if the CVV was stolen?

I was in a public concert today and I went to buy food. It was a brand new card but the services men suspiciously said it didn't work by swiped it very slowly, and then tried to record the card number,...
ShoutOutAndCalculate's user avatar
0 votes
1 answer
178 views

Getting a refund from online seller (used engines seller)

I've had the worst experience with online used engine sellers. My question is how to receive my refund from the seller. Here's a short summary: I've been trying to find a used engine for my old car. ...
Swetko's user avatar
  • 103
1 vote
3 answers
187 views

what is a cash payment transactions when it comes to credit cards?

I'm looking at a certain credit card that has an introductory offer. To qualify for that offer, the conditions are stated as: Vorausgesetzt, Sie machen mit der Karte innerhalb der ersten 6 Monate ...
LocustHorde's user avatar
0 votes
0 answers
157 views

I have not paid my bill to Ability GmbH due to medical tragedy and moved to India what happens

It will be helpful if I find answer for this. I was working in Germany and there I registered in some dating site which I forgot after I moved to India due to my medical tragedy and now I am in ...
Aravind M's user avatar
44 votes
6 answers
11k views

Why did my credit card company resolve my dispute in seconds?

I had a dispute regarding a tip charge on my credit card when I dined in a restaurant. The tip amount which I signed to pay is $8.98 but the restaurant charged me $15.00. A few days later when I ...
Zuriel's user avatar
  • 1,569
16 votes
4 answers
8k views

Why am I being declined for credit card offers?

I tried applying for a new credit card, as the only one I had strangely jumped from 2% to 35% APR unexpectedly, without any reason I could tell, and customer service was unhelpful. I plan to cut the ...
Village's user avatar
  • 2,813
-2 votes
1 answer
295 views

Is Amex fraud protection better than Mastercards? (in terms of convenience)

I use a Mastercard and one of my huge problems is their automatic "anti fraud" system. I buy a lot of stuff every year and often order things from all over the world. It's not unusual for me ...
Five Bagger's user avatar
  • 9,785
4 votes
1 answer
2k views

Can I get sued by a company after winning a chargeback? [closed]

I have a problem with a company that has delivered a service that it considers to be completed, even though it has failed to comply with the contract. I have evidence to justify these failures and ...
jawpotato's user avatar
0 votes
0 answers
88 views

Does Paypal block non-account transactions when a Paypal account is closed?

Some months ago I permanently closed my Paypal account. Today I tried to pay for something online at a web site using Paypal as its credit card payment provider. It gave me the option to create a ...
Kyralessa's user avatar
  • 531
8 votes
1 answer
3k views

Can I preload my credit card for a big future purchase?

Say my credit card has a limit of $3000 and I need to make a purchase of $10000. If I have the money, can/should I preload my credit card with $10000 and then make the purchase? Or is my purchase ...
Zuriel's user avatar
  • 1,569
1 vote
2 answers
2k views

Can I apply to a credit card company that I had debt with

My credit card debt was sent to collections 7+ years ago and now the collection agency doesn’t bother me and my credit is much better. What I want to know is can I get a credit card from the same ...
Dwight Walker's user avatar
10 votes
3 answers
6k views

Earn CC flight miles by paying rent?

I want to accrue flight miles/points from everyday purchases. I'm looking at the "Capital One Venture Rewards Credit Card". It states "Earn unlimited 2X miles on every purchase, every ...
Dividable6919's user avatar
-5 votes
1 answer
125 views

Why are foreign transaction fees with debit cards often higher than foreign transaction fees with credit cards? [closed]

I read in this answer by Sneftel: Debit card foreign transaction fees are often higher than credit card fees. I've noticed that too with cards issued in the US. Why are foreign transaction fees with ...
Franck Dernoncourt's user avatar
6 votes
2 answers
1k views

Is currency conversion and foreign transaction fee inevitable when purchasing a service from a country different from a credit card company?

I purchased plane tickets at Kuwait Airways website, for a trip originated from US with a transition/overlay at Kuwait, by using Fidelity Rewards Credit Card, a credit card issued in US. My credit ...
Tim's user avatar
  • 5,883
2 votes
1 answer
288 views

Did MasterCard change the shape of their cards? Or is the shape chosen by the bank?

I read on npr.org that: Credit cards have a round notch; debit cards have a broad, square notch; and prepaid cards have a triangular notch, the company said. However, my Wise debit card (MasterCard) ...
Franck Dernoncourt's user avatar
6 votes
2 answers
2k views

Why is the remaining credit positive?

Maybe it is wrong equation: -7.1 + 1.63 = -5.47 #instead of +5.47 Why does the seller say -7.1 + 1.63 = 5.47?
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