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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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 ...
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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 ...
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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 ...
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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 ...
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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) ...
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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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Best Billing Date selection for multiple Credit card utilization
I have 2 credit cards. This card has a billing date of 20th of a month and payment date of 7/8th of month.
What is the ideal billing date for the second credit card?
Should I keep the billing dates ...
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Credit card rejected because of an "address mismatch"?
I am having a problem buying something because the vendor is claiming that the "billing address given on the order does not match the address for the card".
I don't understand this. First of ...
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Scam caller asked for last 4 digits of card. Fake number doesn't fool him, does he have my full number?
I just got off a very obvious scam call where the scammer was offering to "lower" my interest rate. I played along to try to waste some of their time. I gave a fake expiration date and a ...
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Does a retail brand (e.g. Walmart or a regional coffee chain) have one Merchant ID per location, or just one for all of its locations?
Let's say I'm a big retail brand like Walmart or a small local chain of coffee shops, and I accept credit card payments.
Through my acquiring bank (or an acquiring bank by way of my MSP like Square or ...
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If I can continuously get short-term interest free personal loans with no fee, is there a way that I can use this money to generate more money?
I can get a $120 interest-free loan each day, but I need to return the money in 30 days (when my credit card bill is due). There is no fee I need to pay; instead, I can get small cashback from this ...
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accidentally opened up a line of credit - what can i do?
So I was trying to update my address on my PayPal Credit Card and apparently I opened up a new line of PayPal Credit instead. Like apparently the PayPal Credit Card and PayPal Credit are two ...
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What is a way to plan and return the "balance transfer" of a credit card?
I got "offers" to do balance transfers for US$8000 or US$16,000 for an upfront rate of 2% or 3%, but after 1 year or 18 months, the rate would go up to 22% APR.
However, during this one year,...
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Are ongoing credit card charges added to the revolving balance and interest calculations immediately following a carried balance
Say I have a credit card, and I carry a balance of $200 from my statement at the end of the month of June. Are all transactions from the month of July immediately added to the revolving balance and ...
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If I donate 100 USD to a charity using PayPal Giving Fund, does the charity receive 100 USD?
I have a question about PayPal Giving Fund.
About a year ago, I called them on the phone (I don't remember what number I called, but it was a line intended for donors). I asked the representative this ...
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"full balance due" vs "statement balance" vs "pay in full"
I wanted to pay off my credit card, and at the "Select Payment Option" screen at my bank presents the following options:
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MINIMUM ($163.00)
MINIMUM PLUS PAST DUE ($163.00)
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Why wouldn't credit card reward auto-redemption offer statement credit? [closed]
I see that with Bank of America, credit card reward redemption can be a statement credit:
unless it's auto-redemption:
Why wouldn't credit card reward auto-redemption offer statement credit?
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Who's paying for my disputes? (Traveling overseas)
I'm using US credit cards outside of US. If I get scammed, I file a dispute and get my money back. Filing the dispute takes less than a minute. I didn't measure it but this happened like 1% to 5% of ...
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Is there any advantage to using physical Apple Card vs conventional credit card?
Is there any reason to use a physical Apple Card instead of a conventional Visa card? My understanding is that superior Apple Card anti-fraud protection only works if you use Apple Pay with an iPhone, ...
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How can I get the same protection shopping with a credit card, without using a credit card?
Following the advice of Dave Ramsey, I'm getting rid of my credit cards. The problem is, the alternatives don't seem safe. There are people who stand around the cash machines watching people take out ...
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When is a transaction not "normal" and considered a cash advance?
I had recently opened a Wise account which required an initial deposit to be active. It had an option to make the initial deposit by credit card. One of my credit cards froze the website and the bank ...
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Is online payment with credit card equal to giving merchant whole wallet to take the money we agreed upon?
I'm curious about how the credit cards work.
When you do a bank transfer it is you who tells your "bank account" what amount to send and where to send it.
When you pay with credit card it ...
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Can I notify a card-holder or their bank that their card is being used fraudulently?
I'm an online merchant based in the USA, and I received an order that failed my fraud checks. I believe the "customer" is using a credit card that doesn't belong to them. I don't want to ...
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Does having multiple credit cards (over 5) hurt your credit score, or will it build your credit score?
After my divorce I found that I had no credit. So, I began building my credit and am doing quite well with it. I started with a secured card with a low limit (under 1K) several years ago.
When my ...
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How do I physically remove the tap-to-pay functionality from my Visa credit card?
How can I physically modify my credit card such that it is no longer possible to communicate wirelessly?
My bank sent me a new credit card with tap-to-pay functionality. I told them I don't want it; ...
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F1 visa and credit card debt
I am currently in the US on an F1 visa and I have over 4000$ credit card debt (4 maxed out credit cards). I make on time payments each month and should pay it all within a year. Can I leave the US and ...
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Can I get a late payment on my credit card if apr is 0% for the first 21 months?
Can I get a late payment on my credit card if APR is 0% for the first 21 months? (through a Chase Slate Edge intro offer)
(I've always paid on time but I am in a situation where I might need to avail ...
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Statement credit forfeited on American Express card
I signed up for an American Express credit card which was advertising a $225 bonus upon signing up for the card and spending some $1200 in the first six months, which I did and received the cash ...
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Do the HDFC credit card reward points calculated on billed amount or the amount spent using the card
I read that paying credit card bills before bill generation can help regulate credit utilization ratio and thereby improving credit score. But are the reward points computed on the total unpaid amount ...
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How can I pay with my credit card, without disclosing its details to seller who needs them over the phone?
I shall buy furniture from Møbelringen, a chain retailer. My remote town in Canada has no furniture stores. But each Møbelringen store is "member-owned and independent". I know Møbelringen ...
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How can I know before paying whether the payment will incur foreign transaction fees?
I live in the US and have a Bank of America credit card with 3% foreign transaction fees. From time to time, I order something online in USD from a firm whose headquarters is outside the US but may ...
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How credit score is improved after debts are paid off
Here is a scenario for the credit score improvement I am interested in. Suppose a person can not pay the credit card debts for over 6 months. This is very bad for his credit score because unpaid cards ...
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How much does high credit utilization impact my credit score?
Prior information of the credit card in question:
Maximum Available Credit limit: र100,000
Available Credit limit: र30,000 --- (Virtually set by me using bank's portal based on my spending habits on ...
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Which is worse for credit score: requesting the closure of a retail card or letting it close due to inactivity?
I applied and was approved for a TD Retail Card Services store credit card about two weeks ago but ultimately did not use it for my purchase. The card is currently sitting at $0 balance, and I do not ...
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Buying gold with a credit card
Assuming I find a merchant willing to sell gold bullion with a credit card, are there any pitfalls to this besides the additional fee the merchant may choose to add for credit card purchases? Is it ...
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I can't seem to make a payment out of my bank account. What can I do?
I am an expat living overseas. But I still make several purchase using my US credit card (Citi Card). Recently my electronic credit card payment (for my monthly bill) was returned with a code saying ...
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Opening first credit card and car financing
I just graduated and I'm about to start a new job in the US in September. I haven't had a credit card before and I would like to finance a car, which is $34k. My monthly salary after taxes will be $5k ...
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Can I paypal myself to get free money? [duplicate]
This quarter my credit card [Discover offers 5% cashback for using Paypal. At the end of the year, it matches all the cashback that I earned and thus I will earn a total of 10% cashback for using ...
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Can I dispute too many transactions? (credit card)
There's a restaurant here that's a hit or miss. Sometimes they mess up my order. Sometimes food sucks. But sometimes they're great and when they're great its really good. Maybe I'm a little addicted ...
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Credit card vs debit card for car rent
I want to rent a car in Europe and one of the requirement is to have credit card where they will block some deposit. It's higlighted that it should be credit card not debit.
I have only debit card and ...
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Should I pay credit card statement balance despite a refund?
Statement balance is $1000
Something I bought was refunded so actual balance now is $200
Am I supposed to pay $1000 or $200?
If I pay $1000, my balance will be -$800 but I don't want this to happen ...
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How do people with multiple credit cards keep track of their due dates and not miss payments?
I never spend more than I have and always intend to pay the full balance on my credit card statements. Because the due date changes and because they are different for each card, I sometimes forget and ...
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I didn't use my credit card for one month and my credit score dropped 22 points. Will it be fixed in the next snapshot?
I only use my credit card to buy gas. I couldn't use it last month because the gas station's credit card system wasn't working. My FICO Score 9 dropped from 842 to 820 in this month's snapshot.
I ...
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If you pay off a variable APR daily accruing credit card before the end of the month, is there interest?
Can you avoid 100% of interest on a card that accrues interest daily, by paying it off in full before the end of each billing cycle?
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Can a bank take money out of my account without asking, to collect old outdated debt?
Almost 2 decades ago I had identity theft and they maxed out my card. I lived with it (and terrible credit) and could not discharge it or pay it off.
Some years ago this all fell off my record and is ...
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How can I stop fraudulent recurring credit card transactions being forwarded to a new card?
I have a Mastercard credit card issued by a U.S.-based financial institution. Several billing cycles ago the card information was compromised and several hundred transactions were initiated. The card ...
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Does a payment receiver get a full name of a cardholder when I pay with a credit card?
What information about a cardholder does a payment receiver get when paid with credit card via direct transfer. Examples: Spotify, Netflix, etc... How's all buying digital goods process released?
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How to make sure that online/ATM/POS card payments always use one currency?
Anonymous payments through Paypal, ATMs, POS machines constantly offer me alternative currencies for my MasterCard or VISA. For example, Paypal will just bill me in the alternative currency even if I ...
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Does a non-permanent resident of the US have to close their credit cards before they leave the US?
The background is the same as in my previous question:
I'm in the US on an F1 visa (and this will be the case for the next two years). I'm not sure whether I will take the path of staying in the US ...
user88299
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What do the various types of APR mean on my credit card?
I am looking at APR details and want to understand how it works.
I see a credit card that says:
Introductory APR - 0% for 15 billing cycles
Standard APR - 14.74% -
24.74% variable
Balance Transfer ...
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