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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A stranger messaged someone I know via an online listing and gave them their credit card details and encouraged them to use it. Is there a scam here?
A family member of mine (female, not sure if that's relevant) was contacted via a listing on Facebook for an item of clothing by a someone (male) who then sent through their credit card details.
The ...
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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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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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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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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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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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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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Is there any catch in life time free credit cards against fixed deposits?
Many banks have offerred me life time free credit cards because of my good credit score. However, there are some banks which did not offer any life time free credit card. However they offer credit ...
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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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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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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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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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What do the numbers on my credit/debit card mean?
I have the following visa card from comdirect.de:
I guess:
Number A is my credit card number. The 4 groups don't have a meaning.
Number B: I have no idea. Might be my security code?
Number C is my ...
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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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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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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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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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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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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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14/45 day notice
On 1 March I receive the 45-day notification stating that higher interest rate will be charged on any new transactions made after 14 days from the date of the notice.
On 10 March I made a $100 ...
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Is it safe to share the first six digits of my credit card with an immigration company?
I was contacting with an Immigration company from Canada during the call the took all data which they need to start their evaluation. Then, they requested to know the first 6 digits of my payment card....
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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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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 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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Personal credit card for business expenses
If I have a personal credit card that is only used for business expenses, is there any disadvantage? The company is a sole prop.
If the company becomes an LLC, will that make any difference?
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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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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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Why does Costco refuse credit card payments from non-Costco members in the United States?
Alice and Bob were doing some shopping at Costco in the United States. Bob is Costco member, and Alice isn't not. The cashier, citing Costco's policy, refused to accept Alice's credit card: Alice was ...
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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 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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Which one is better for credit score: use and charge the card a lot or keep money on them and don't spend much?
If we have a credit card with 1000, 2000, 5000 of dollars, is it a good idea to use it daily like spend 30%-50% of the money per day and recharging the card at the same day just to increase the credit ...
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Can we add a person with no SSN/ITIN to our credit card?
If there is someone with F-1 student visa in the US and has a SSN and a credit card, can he/she add his/her spouse who has no SSN/ITIN to his/her credit card?
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Which is better to build credit score? Becoming an authorized user of another credit card or get a personal secured credit card?
I am new to the US with a F-2(student dependent) visa, I want to have credit history and build credit score in the US. I think I have three options but don't know which is better to do or maybe better ...
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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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Credit card charge off : Can creditor take away the electrician's toolbox and the car even if the car was paid off a long time ago?
Here is the situation:
Suppose a person owes a credit card company $10,000, can't pay it
any longer, and after 6 months, the credit card company decides to
charge off this credit card.
Suppose that ...
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Should I use cash back rewards for rewards, or to pay off the balance?
I have a credit card with cash back rewards. I can use these rewards to go shopping on Amazon, for example, to buy gift cards, to pay off the balance, and possibly some other options that I may have ...
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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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In what countries can credit card merchants use address verification?
Usually when you pay with a Visa or MasterCard online you have to provide a billing address. Many online shops, especially from the United States, will only send purchases to the cardholders billing ...
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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 ...