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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4
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1answer
81 views

Authorized user on parents credit card, will it affect credit?

My sister just applied for a credit card and got denied. Shes never had a loan, always paid her current credit card in full every month, and should have essentially perfect credit (though maybe not ...
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1answer
177 views

How to cancel a credit card you currently have debt on if the bank won't respond?

Several months ago, I got a credit card from Santander. I've tried many times to get their app Santander Sign set up and after about two months, it finally worked. But I still can't sign in because ...
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0answers
62 views

Deposit hold for over a month in Credit card

I have recently rented a car for about a month and one thing just came to my mind. At the rental office they took a very high deposit into my credit card (I have a foreign license, this happens in ...
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0answers
49 views

Paypal wont allow me to check my balance ive tried everything [closed]

Paypal will not allow me to see my balance. Iv'e done everything. It keeps saying that i need to update my paypal and it wont let me do that either. Im getting frustrated.
0
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1answer
121 views

How can I prevent Mastercard fraud protection from blocking legitimate purchases?

I have a Mastercard and use it to buy books. I buy a lot of books, over $100,000 per year easily and it is not unusual for me to buy, say, $5000 worth of books on a single day from multiple vendors ...
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5answers
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Why don't you need to pay taxes on cash back bonuses?

I have a Discover credit card that pays 1% cash back on and 5% on select categories. My question is: why isn't that cash back "bonus" taxed when stuff like canceled debt (1099-C), interest (1099-INT), ...
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1answer
133 views

Does cancelling a credit card affect my credit score?

Recently I realized I haven't been using a credit card at all for purchases, and an annual fee would start to bite at my bank account for basically no reason - so I called up the card number to cancel ...
2
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1answer
185 views

What happens if someone signs up for Netflix on a locked credit card?

When you lock a credit card, recurring auto-payments will continue to get paid through the card. What happens if I use a locked card to sign up for Netflix? Will the payment after the "free trial" ...
18
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2answers
4k views

How can a debit/credit card PIN be updated remotely?

Certain banks (like Capital One or NAB) offer to change a debit/credit card PIN remotely, from an app or the bank's website. However, it seems to me that the PIN is also stored on the chip of the ...
20
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9answers
6k views

What are credit cards, debit cards, and other types of cards?

This question right here and the plethora of comments in it reminded me of something that I've found annoying for a long, long time. Seems that depending on where you come from the terms "credit card" ...
26
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7answers
8k views

Debt management: 0% CC APR for 15 months vs 7% student loan debt

About me: I make about $3330 a month from my job after taxes. I'm currently $72,500 in debt from student loans, 7% APR. I have 0 other forms of debt (I live with my parents and bought a used car for ...
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12answers
14k views

What are the pros and cons of a credit card for a European?

I have a bank account, with some savings. Enough to cover every expense I could have to face without delay. I also have a debit card, which I use for my offline payments, a Paypal account for most of ...
25
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5answers
11k views

Whose responsibility is it to handle an over-tendered tip?

Suppose I go out to eat and I pay for my meal with a credit card. I sign the receipt and when the server goes back to finalize the transaction, they put way more money for the tip than I did. At ...
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1answer
313 views

Why are card security codes always in a certain italic font?

I have around 10 different credit + debit cards from different banks, and while they can each have their own font/styling for the 16 digit sequence, all of them have the security code written in this ...
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3answers
859 views

Sugar daddy needs pictures of my credit card — scam or not?

I met this guy. I've been talking to him for two weeks. I'm too shy to meet him. He wants to pay my credit card. To pay it he needs a full picture of both sides on my credit card. Do I give it to him ...
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1answer
55 views

Is it possible to use the credit card BIN to find the bank's ABA?

I am trying to determine the correct institution ABA based on the credit card's BIN. There are several resources which can determine bank's name and some other info based on the card BIN but many ...
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2answers
208 views

Most surefire way to keep yourself from using a credit card

I have gotten myself into trouble with credit card debt, $XX,XXXX. Never been very good with money, three cards decided to hand me stupid limits and now they're all maxed. The only upside is I'm ...
2
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4answers
392 views

Paying Credit Card After Cash Back Credit

With a credit card, are you obliged to pay the statement balance or the current balance? For the period ending Jan 12th I have a statement balance of $200 (payment due Jan 30th), on Jan 16th I ...
0
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2answers
218 views

Credit cards: Is it worth using the interest-free period on a second card?

I am about to start a 12 month part-time course, requiring variable but monthly payments. To maximise my budget I want to pay for it via credit card, but am trying to understand which method will end ...
3
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2answers
185 views

Credit utilization ratio, in practice

So, I am new to the US credit card system, and I have read about the credit utilization ratio around. Everyone talks about it as being the percentage of your current balance over your current credit ...
3
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2answers
140 views

Purchase/money/allowance management for teenagers

I have two kids older than 13 but younger than 18. One is 16+. As they start making their own purchasing decisions, I'm trying to set things up to be convenient for everyone. My current problems are: ...
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1answer
112 views

Do I get charged any fee if pay my Chase Amazon prime credit card bill from Bank of America?

I have a bank account with Bank of America. I am planning to apply for the Amazon Prime rewards credit card by Chase. Do I get charged any fee if pay my Chase Amazon prime credit card bill with auto ...
2
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1answer
340 views

Should I save up my credit card points?

I earn points on my credit card and can redeem them at one cent per point, so if I have 10,000 points, I can deduct $100 from my bill. Is there any advantage to saving my points and spending my ...
2
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1answer
235 views

Is selling tradelines safe?

I recently learned about selling tradelines. As far as I understand it users with credit cards with long credit histories and large limits sell authorized user positions to people looking to improve ...
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0answers
153 views

Can a credit card machine refund to a different card than the one inserted?

I purchased a $279.99 holiday feast from Whole Foods online. When I inquired as to what time I was to collect the meal, they said I didn't have an order. One week later, my card was charged. I ...
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2answers
212 views

Is Amex not welcome or it's only my idea

I just applied for a new (free) AMEX, but the first 3 transactions I tryed on it were declined because the shop "does not handle AMEX". All 3 went flawlessy on my debit mastercard. Are shops allowed ...
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9answers
4k views

Negative balance on Credit Card

Some mates and I have the amount to cover the cost of an item but have a credit limit lower then the price. The purchase has a hard requirement that the payment method is a credit card. So, my mates ...
12
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1answer
2k views

I've made a bill pay for my credit card after my statement was ready. Now my balance is doubled minus from begining

I got my statement at 21 of December, but was at flight, and I had -35.5 USD balance on my credit card. Next day (22) I made a payment (by 2 transactions) to hit it to 0, and set payment to be ...
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2answers
339 views

Paying Off Credit Card, Scam? [duplicate]

I have someone who wants to pay off my credit card for me and all he asked for was my username and password for my online account to make the payments. I’ve checked my account and I can’t find any ...
2
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2answers
235 views

How to prevent credit card number from being stolen?

I have a small business, and my credit card number for the business was recently stolen and used for two purchases: (1) a burger place in my home town of Boston and (2) a Walmart in Arkansas. I was ...
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3answers
159 views

Is a credit or debit card refund is technically-speaking the same as a wire transfer?

I am trying to figure out some categories to encompass some sort of money transfers / transactions but my banking "expertise" is falling short. Ok what I am trying to group are the things below: ...
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2answers
302 views

I don't understand secured credit cards

I was trying to explain to people in Europe the obsession with the credit score in North America and the topic of secured cards came up. I know the concept, but unless the goal is to abuse people in ...
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1answer
139 views

Cannot pay enough to mitigate late/overdue fees on credit card. What is the best way to handle this?

I've tried working with a credit card company over late fees/debt. I can of course make some payments, but they're always lower than the overdue fees they continuously charge. In other words I'm ...
2
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1answer
90 views

What happens when I make a purchase on a credit card after the promotional purchase window but before interest is due?

Sorry for the poor question title. I couldn't think of a better way to word it. Suppose I have a credit card that offers a promotional no interest for 12 months on purchases made in the first 60 ...
2
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1answer
114 views

Is it normal to be asked to include detailed financial information on a home rental application?

I'm submitting a rental application for a privately-owned townhome in North Dakota, US. The application asks for more detailed financial information than I have ever had to provide on past ...
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2answers
122 views

Figuring out a way to reduce credit card spend due to memorizing the card number

I have been fairly good at controlling my credit card spend, but occasionally I spend more than I intend (online). I am not in any kind of debt, and I come out positive at the end of the month, but I ...
0
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2answers
59 views

Getting a refund with different-currency credit card

If I have a US Credit Card and I make a purchase in Canada, I know I won't get the BEST exchange rate. But if I return whatever I purchase and the store initiates the refund process, will I get a full ...
0
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1answer
78 views

How to handle taxes by using credit card app (Square)

My old workplace wanted to contract me in to help with some on going issues they had. They ended up having me sign up to square which is a credit card service that charges a small fee when you charge ...
5
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2answers
300 views

Why do I have to accept a lower rate on my credit card?

I opened a credit card a few years ago and have been making full on-time payments the entire time (it's never carried a balance). I logged into my bank today and there was a page that said I have ...
0
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1answer
121 views

Used car loan and number of credit cards

My credit history is almost 6 months old and I have a score of around 700 now. I got my first credit card 6 months ago and two weeks ago I got another credit card. Last day I got prequalified for a ...
0
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1answer
57 views

Avoiding currency exchange fees on credit card security deposits

I recently did a warranty exchange with a $25 service fee: I gave $500 deposit on my VISA card. They shipped the replacement. I returned the old item. They refunded $475 to my VISA card. which from ...
5
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2answers
2k views

How often to check credit card statement

How often should a person check their credit card statement to make sure that they don't fall victim to a wrong charge or cc fraud?
2
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1answer
185 views

Card Locking and Credit Score

My wife and I are trying to build up her credit, so we decided to: Add her as an authorized user to my Card A, which is about 10 years old and currently my only form of credit. I'll call hers Card B ...
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8answers
5k views

Would the minimum payment or full CC amount be considered monthly debt?

Based on Is rent considered a debt? The question of: What is your total monthly debt payment (e.g. student loans, vehicles, credit cards, personal loans, etc.)? got me thinking. If you rack up $...
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1answer
214 views

US hotel asks for CVV when checking in

I have reserved a budget motel in the US over booking.com. I live in Europe. Upon checking in, I was asked for my ID and credit card, like everywhere else. For a bit of increased security, I've ...
20
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7answers
11k views

Charges from Dollar General have never shown up on my debit card. How can I resolve this?

During the summer of 2016 I lived by a Dollar General and went there about once a week. I only had a debit card then and paid for everything this way. DG was notable in that I never had to enter my ...
23
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4answers
7k views

Do businesses save their customers' credit card information until the payment is finalized?

Paying by credit card is sometimes a multi-step process. In some of those cases, only the initial authorization is made at the point of sale; the finalized transactions are usually entered as a batch ...
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2answers
82 views

Applying for first Credit Card in USA (International Student/Teacher)

I have been in the U.S. for the past 1 year and since then I just have a Wells Fargo Debit card. Recently I tried to apply for an American Express credit card (applied online) but I got rejected. ...
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2answers
179 views

Is it safe to give credit card first 6 numbers+ last 4 over email? [duplicate]

A company that I had previously had a subscription with and cancelled continues to charge me, so I contact their support team and they say that their system shows me to be cancelled. They have asked ...
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4answers
402 views

How do I transfer funds from MY OWN card to MY OWN personal bank account?

Would anyone please be so kind to explain me how (where) could I transfer funds from my own debit and/or credit (particularly debit) card issued by X bank (USA) to my own personal checking bank ...

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