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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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 ...
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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 ...
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What would happen if I sign up for a credit card, but never use the card? [duplicate]
Amazon is offering $200 to sign up for their Prime Visa card. (I have Amazon Prime) (I have never had a credit card before only debit) What would happen if I sign up for the card and get approved but ...
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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 ...
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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 ...
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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
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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 ...
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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?...
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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 ...
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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 ...
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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. ...
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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 ...
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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 ...
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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?
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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 ...
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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 ...
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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 ...
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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 ...
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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?
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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 ...
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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 ...
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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,...
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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. ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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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