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.
37
questions with no upvoted or accepted answers
3
votes
0
answers
236
views
How does “Velocity Banking” actually work?
I’ve seen this mentioned a few times now in various financial articles, but it smells like some kind of “system” a gambling addict would come up with to “beat the house”. Doing a web search on it, I ...
- 309
3
votes
0
answers
185
views
Internationally issued Visa Credit Card fraudulently used in the US, possibly because merchant bypassed card security features. What are my options?
My internationally issued credit card was stolen, along with a lot of my personal items in the US. There was also a Apple credit card issued in the US that were stolen, but the fraudulent charges were ...
- 39
3
votes
0
answers
124
views
Do I need to keep the product after a successful chargeback?
I am in California. I successfully filed a chargeback after a merchant repeatedly failed to send a return label after agreeing to an RMA. I now have my money back, but also a product taking up space ...
- 132
3
votes
0
answers
1k
views
Reapplying for same credit card after collections
My Amazon's Chase credit card bill was sent to collections in March 2019 due to some financial issues I had. I paid off the debt completely in collections and my credit rebounded. My credit card ...
- 131
3
votes
0
answers
1k
views
Credit and Debit Cards Stopped Working in Spain
I'm currently travelling in Europe with a VISA debit card for a Charles Schwab Checking Account as well as an American Express Bonvoy credit card. Both cards target travellers and don't usually ...
2
votes
0
answers
53
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 ...
- 211
2
votes
0
answers
75
views
Can my wife use my income/credit card to buy products for her self-employed business (UK)
I am in full time employment in the UK (and have no other sources of income).
My wife does not currently work (since having children). She will shortly be registering as self-employed/sole-trader and ...
- 121
2
votes
0
answers
103
views
When does a foreign transaction fee apply to a credit card (especially from shopping online)?
I assume if you go to another country and use a credit card, then the foreign transaction fee will always apply.
What if I use a credit card to make a purchase from an online store? Does it depend on ...
- 487
2
votes
0
answers
2k
views
Why does a U.S. credit card application ask for other citizenships?
Looking at a credit card application, they are asking U.S. citizens whether they are citizens of another country.
Why are they asking for this information?
Will it hurt the application to disclose ...
- 89
2
votes
0
answers
391
views
Price drop protection on Apple iPhone
Two of my credit cards (Discover and Citi) have programs for cardholders that allow you to buy a product and if the price drops in certain amount of time, file a requests to be reimbursed the ...
- 701
2
votes
0
answers
165
views
How soon (after your first credit card statement ever) do you get a credit file/history in Canada?
How many days after your first credit card statement EVER does one get a credit report on file with one of the two Canadian bureaus? I'm trying to develop Canadian credit on my first credit card and I ...
- 361
2
votes
0
answers
73
views
Nonresident Travel Money (Card or Bank Account) Solution with Emergency Cash Feature in Euros?
I'm from the new EU so my country's banks are not that advanced that they can offer me this feature. So this will be a nonresident account for travel money.
The solution I am looking for is like AMEX'...
- 203
1
vote
0
answers
42
views
Rules related to dispute on creditcard between Customers Bank and the Merchants Bank
I purchased certain domains with sav.com, but the merchant had site latency and the same was reported by many customers on Trustpilot.com. My credit card was charged but domains not posted on my ...
- 11
1
vote
0
answers
300
views
Can a thief who acquires a credit card number trace this back to PayPal and exploit the PayPal account?
A friend reports that their credit card number was stolen and used to purchase an iPhone.
They also report that nearly simultaneously, a large transfer from their bank account to their own PayPal ...
- 111
1
vote
0
answers
111
views
Paying by voice - what is its transaction type
When I purchase something through voice virtual assistant, for example order Pizza through my Echo-Alexa - is it written in card schemes (Visa/Mastercard) as a Card-Not-Present (CNP) transaction or it'...
- 185
1
vote
0
answers
132
views
Issue with Debit Card Payment But My Bank Says There's No Problem
I have had some curious but unpleasant experience with my debit card and want to know if someone's familiar with the problem.
Basically, I got my VISA debit card from the UAE but lives in the US at ...
- 111
1
vote
0
answers
47
views
file a complaint to bureaus of a company's residence if you live in another country?
Can I submit a consumer complaint to Better Business Bureau, federal Trade Commissionn, or the Consumer Frauds and Protection Bureau if I've bought a faulty product froma company based in Brooklyn, ...
- 11
1
vote
0
answers
371
views
Is it possible to add a EUR Master Card in PayPal?
I have a bank account and two Master Cards with it: for USD and for EUR. I want to add EUR card in my PayPal account. Is it possible? Do PayPal accepts Euro or it will exchange Euro to US dollars?
- 549
1
vote
0
answers
347
views
How do I reconcile a pre-payment on a credit card in Quickbooks?
I have two payments to credit card for the same period. One is tied to last month's reconciliation but the other one is just a prepayment because I wanted to charge the account over my limit, so I ...
- 11
0
votes
0
answers
154
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 ...
0
votes
0
answers
74
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 ...
- 531
0
votes
0
answers
104
views
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 ...
- 143
0
votes
0
answers
112
views
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?
- 9
0
votes
0
answers
131
views
Can I subtract credits/returns/refunds from statement balance and incur no interest?
My question is basically the Indian version of this US-based question. Another duplicate possible is this one, but it doesn't have any country tag associated with it, so I cannot go with it. This ...
- 101
0
votes
2
answers
485
views
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 ...
- 131
0
votes
0
answers
54
views
Need formula to create credit card payoff spreadsheet that accounts for additional monthly charges
I'm looking for a formula that I could program in a spreadsheet in order to create a credit card payoff calculator that accounts for recurrent monthly charges. I've been searching for days on Google ...
- 101
0
votes
0
answers
414
views
Using multiple credit cards for a single payment in the UK (section 75 protection)
How can someone buy a product which is over each of its credit card limits, but less than his total credit?
Suppose that I want to buy a car, which is £4500, and suppose that I have three credit cards ...
- 101
0
votes
0
answers
63
views
How to distinguish if company is using first or third party payment processor. Mastercard transaction
I was the victim of a scam and fraud where a service was not provided. I have had information returned from the credit card company as part of the dispute. is anyone able to acertain or deduce from ...
- 101
0
votes
0
answers
79
views
If I get a credit card that will give me a higher credit limit if I make on-time payments, will it carry over if there is no balance?
So, I got a card, and let's say I was approved for $300, but the creditor promised to increase it to an actual credit line if I made five on-time payments starting in April.
So, I make a few payments, ...
- 282
0
votes
0
answers
182
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 ...
- 1
0
votes
0
answers
115
views
Credit card debt
A Russian-Norwegian dual nationality person I know took up 20000 pounds of credit card loans in Norway. He then went back to Russia and has lived there for 1 year now.
He has not heard anything yet. ...
- 1
0
votes
0
answers
103
views
Creating a separate entity for bank transactions
So you have your personal bank account. But I'm wondering if you can then create a separate bank account of some kind, either a business bank account or another personal one, and have the name on it ...
- 585
0
votes
0
answers
83
views
Do credit card chargebacks apply to situations in which online retailer charges seller in favor of buyer?
This is the situation I have to deal with: One of the items I had listed with an online merchant sold. I shipped the item using standard postal service and provided buyer tracking information. A week ...
- 1,104
0
votes
0
answers
86
views
Home Office Rent Expense Payment via C-Corp
I am a 1 person incorporated C-Corp software development company. (Although, I currently usually do not use the C-corp for most checks and contracts which just go straight to me as an individual.)
...
- 360
0
votes
1
answer
100
views
Can I get a replacement credit card to overseas if I didn't activate the credit card account?
I'm overseas.
I apply for a new credit card. I already have one credit card from this bank.
My address is the address on file. US residential. There's no one there right now.
They mail the card.
I ...
0
votes
1
answer
203
views
When shopping online, I prefer bank transfer to credit card for privacy reasons. Is privacy really better with traditional bank transfers?
I shop online relatively often, because online shopping is much more efficient than brick-and-mortar retail. Unfortunately, I therefore also leave behind numerous data traces, which would not be ...
- 688
-2
votes
1
answer
2k
views
Ali Express and credit card frauds?
A lot of people around me claims that they have been victims of credit card thefts after shopping on Ali Express (one person even claims it happened several times). I am very sceptical to this because ...
- 357