Questions tagged [visa]

For questions related to Card settlement "Visa" company. If the questions are not specific then the tags Credit-card should be used.

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28
votes
4answers
28k views

Why are American Express cards are not as popular as Visa or MasterCard?

For me, AMEX is a preferred choice because I can earn more treat points. But I found that (at least in Malaysia), a lot of merchants are rejecting AMEX card in favor of Visa or MasterCard. Why?
28
votes
1answer
9k views

What are the limitations of use of “Electronic use only ” debit card

I have a visa electron debit card and there is "electronic use only" marked on it, so I don't know where or when I can't use my debit card ?
26
votes
6answers
13k views

Transferring balances left over prepaid credit cards

How can one transfer small balances, leftovers, on prepaid credit cards? I actually have 6 or 7 prepaid Visa or Mastercard cards left with balances between $1 and $4. I would like to get rid of them. ...
23
votes
3answers
4k views

Is there any inherent difference between Visa and Mastercard credit cards?

Are there any inherent differences between a Visa credit card and a Mastercard credit card? Obviously, there can be huge differences between one Visa card and another. And between one Mastercard and ...
12
votes
5answers
10k views

How are Visa payWave and MasterCard PayPass protected against unauthorized use?

Visa payWave and MasterCard PayPass have similar description - the card is equipped with antenna that it uses to talk to the terminal. For small purchases (something like less that $50) the ...
8
votes
1answer
629 views

Claiming against visa rental car insurance

I'm planning on claiming against my visa cards rental car insurance benefit. For an incident using a zip-car. Will this claim affect my credit score or car insurance rates?
7
votes
2answers
35k views

Can I transfer money from my prepaid Visa gift card to my debit card?

I bought a prepaid Visa gift card to add money on my phone account. It turns out I can't do this because the gift card can not be processed by my phone company because the card does not have my ...
6
votes
1answer
5k views

Can I get cashback for buying gift cards on Amazon?

I have an Amazon Prime Rewards Visa Signature Card that gets me 5% cashback on purchases made through Amazon. Is it possible to reap that reward on gift card purchases?
6
votes
3answers
10k views

Choosing debit card: MasterCard Debit or Visa Electron?

What to take into account when choosing debit card for my personal account, between MasterCard Debit and Visa Electron? Should I take into account for example possible international travel (EU vs US)?...
6
votes
2answers
188 views

Why are contactless cards so heavily advertised?

In UK Visa advertises contactless payments heavily, so do banks. They offer cashbacks on contactless payments or enter you in some kind of tombola. What benefit do VISA and the banks have when you pay ...
6
votes
1answer
203 views

Friend is leaving US without ending the lease? What the apartment manager can do?

Friend is leaving US due to visa problem. She has very good credit history. She is planning to pay all the credit card and utility bills. The only thing she is not willing to pay is lease breaking ...
6
votes
1answer
141 views

Transfering balance between VISA cards in different continents

Is it possible to transfer credit card balance from a VISA card issued in Europe to a VISA card issued in the US? I've never done balance transfers before, and I (US card holder) need to help my ...
5
votes
3answers
7k views

Who performs the blocking on a Visa card?

I recently tried to pay for a train ticket online with my Visa debit card. However the payment got refused, but the price of the ticket is being blocked on my card. I contacted the train company to ...
5
votes
3answers
518 views

Is there a Canadian credit card which shows holds?

It is really frustrating not being able to run a tight ship with my money. Neither CIBC nor TD shows them immediately. It is certainly possible because I ran across a Visa gift card which showed them. ...
5
votes
2answers
12k views

Are all VISA cards connected with bank accounts?

I know that this is a question about fundamentals, but I couldn't find any explanation out there. I'm a bit lost in the world of credit cards. I got used to cards that are issued by a bank for getting ...
5
votes
1answer
3k views

Credit card changed by card company: Why is Citi changing my Visa dividend platinum select card to dividend world Mastercard?

My citi divident platinum select card is being replaced with citi dividend world mastercard. I don't quite understand their explanation. But what are the changes on the benefits? why change from ...
5
votes
3answers
314 views

How do I remember to use Visa Signature benefits, such as extended warranty on purchases?

My bank has upgraded my credit card to a Visa Signature card, which comes with benefits such as Warranty Manager Service (up to one additional year of warranty), Purchase Security (reimbursement for ...
5
votes
2answers
2k views

If a company in China says it accepts Visa, does it accept all Visas?

I am doing some finance research for payment methods in China, there is some confusion as to whether only certain types of Visa Credit Cards are accepted at businesses versus all Visas... Is this the ...
5
votes
1answer
214 views

Long card payment delay caused loss on exchange rate

While travelling two months ago I made a purchase in a store abroad with a card, everything went smoothly. Today I received a call from my bank saying that only yesterday the transaction went through ...
4
votes
5answers
10k views

Can I preemptively pay my credit card bill before a charge is posted?

Today, I paid a $1000 bill with a credit card that has a $1500 credit limit. (Note, I have changed the numbers slightly here, but the ratios are roughly correct.) The bill has not yet been posted to ...
4
votes
3answers
9k views

Is it safe to put pin of debit card in worldpay?

I am buying from proxybonanza.com that accept worldpay. Then I go to this screen: Looks like they managed to figure out that the bank is USbank without me having to tell them. In fact, they know ...
4
votes
2answers
825 views

Is there any reason to prefer Visa or Mastercard?

My Italian bank, Fineco, offers me Visa or MasterCard credit cards at (apparently) the exact same conditions. IIRC when I first requested it a few years ago, it was just a checkbox in the contract ...
4
votes
1answer
874 views

Is it legal for a hostel to write down my debit card information for security purposes?

I just moved to Manchester and I'm staying at a hostel. I booked a bed online via hostelworld.com. What bothers me is that a receptionist asked me to give her my debit card in order to ensure some ...
4
votes
1answer
525 views

MasterCard/Visa: For my second card should I stay with the same network?

I have a card in a country, and want to create another card in another country for convenience reasons. Let's say the terms of both networks are very similar for me, so I have no special reason to ...
4
votes
1answer
206 views

Visa transaction happened only after 16 days after I made purchase

Visa transaction (money reduced from account) happened only after 16 days after I made purchase. 2017-10-01 Paid flight tickets. Money was deducted or reserved (haven't paid attention). When paid, I ...
4
votes
1answer
379 views

Is it true Visa & Mastercard can choose a more beneficial date (for them) for the exchange rate on a foreign transaction?

Whenever I pay abroad (or online) with my debit card, the amount charged is in a currency other than my card's own. I am aware Visa/Mastercard charge for a foreign currency conversion. I heard a ...
4
votes
4answers
15k views

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 ...
4
votes
2answers
466 views

Will my India based Visa debit card work in the USA or do I need a chip based EMV card?

I have an international debit card by VISA issued in India. The card has magnetic stripe. Will the ATM card be valid in the USA or do i need a chip based EMV card?
4
votes
1answer
178 views

Is it legal to keep my US bank account after leaving the US, and receive money on it?

I currently live in the united states on an L1 visa. There is a chance that I'll quit my job and travel around central/Latin america for quite some time. With L1 visa, If I leave my job, I have to ...
4
votes
3answers
1k views

How does Apple Pay work? Why is Apple's intercession necessary? [closed]

(Long post warning); (In this posting, I use "NFC" as shorthand for the established (pre-Apple Pay) system used by extant credit-cards and banks for short-range (under 10cm) wireless payments, I ...
4
votes
1answer
1k views

Does mechanically disabling payWave/PayPass by punching a hole formally invalidate the card?

There's a bit of paranoia about whether payWave/PayPass contactless payments technology is fully secure and some people are willing to disable those in their cards. This post and this post explain how ...
3
votes
2answers
270 views

Using services from both mastercard and visa

Could be a silly question. I do know many software companies that prevent / have a write up on how the clients cannot use a competitor product for a specific time/ duration after they stop using their ...
3
votes
4answers
242 views

Fees for using mastercard/Visa card at a place which accepts payment in other currency

I want to know what are the fees involved when we pay online using Visa/MasterCard to a service which accepts payment in some other currency. I have very little knowledge related to this. I am from ...
3
votes
2answers
216 views

Does Visa Electron preauth success necessarily mean the transaction will succeed?

I have placed an order with an online store which preauthorises charges at 100% the price of the item. Now on my Visa Electron debit card I have a daily purchase limit of say x dollars. The purchase ...
3
votes
1answer
770 views

How secure is payWave debit card compared to a chip-and-PIN one?

My bank in Australia (SuncorpMetway) just issued me a new payWave Debit card (VISA) to replace my old/expiring savings account card. My old card required a PIN for any withdrawal or purchase. I ...
3
votes
2answers
747 views

How is income earned on a J1 student visa taxed?

So I am an Irish J1 student doing an internship in Minnesota and have been since july 5th of this year. I have been getting paid a monthly paycheck of $2,000 for the 6 months I have been here and thus ...
3
votes
1answer
280 views

Why do retailers in Peru have different POS terminals for Mastercard and Visa?

A recent visit to Lima showed me that virtually all retailers who accepted both cards had to use two different terminals instead of a unified one. Is there a specific infrastructure, culture or market ...
3
votes
0answers
65 views

Taxes and Visa Implication: Canadian citizen, Canadian payroll, working M-F in US

Tried to skim through all existing questions, but couldn't find a match to my situation - so any help or input appreciated. I'm looking at a possible scenario where I'm on the Canadian payroll (with ...
2
votes
2answers
2k views

Money deducted without Verified By Visa authentication

I am an Indian who has a MNC Bank Visa debit card. I always use Verified By Visa service to pay using my debit card. Last day as usual i entered the details of card in an International Site(I have ...
2
votes
1answer
445 views

Got a work offer but asked for my first visa digits

I live in Lebanon and I made an account on Linkedin. I got a work offer from a company from Canada. They asked me questions about my education, marital status and if I have 12,000$ in my account to ...
2
votes
1answer
153 views

How long can a company wait before withdrawing the money of a purchase?

In November, 2015 I purchased something from an online shop located in the UK. Total price was 143£ (including shipping to Denmark) and I paid with my Visa credit card. The item was shipped to me ...
2
votes
1answer
4k views

Question about using a VISA card to withdraw money from PayPal balance

According to the following PayPal policy, https://cms.paypal.com/mz/cgi-bin/?cmd=_render-content&content_ID=ua/RecPymt_print The only way for me to withdraw money from PayPal in my country is ...
2
votes
1answer
2k views

Who is a “Business Apprentice” in the context of India-USA tax treaty?

I am an Indian citizen who plans to go to US on a J1 visa to teach and do research in a US university. I expect to be in USA for about five months. I will be filing taxes as a Nonresident Alien. ...
2
votes
2answers
79 views

Am I allowed to accept payment to my US bank account, after leaving the US? (I was on F1 visa, I have no SSN)

Am I allowed to accept payment to my US bank account, after leaving the US? (I was on F1 visa, I have no SSN, I never worked in the US) I don't even know if I'm allowed to have a bank account after ...
2
votes
1answer
828 views

Which card data online merchant can store and what can he do with it?

I see that to perform on-line transaction with credit (or debit) card you usually need 3 pieces of information Card number Expiration date Security code Some merchants offer option to store payment ...
2
votes
0answers
223 views

Certified copy of U.S. Visa for ITIN application

I need to request an ITIN number in the United States but do not want to send my passport through the mail. To support my application, I must submit certified copies of my passport and U.S. Visa. ...
1
vote
2answers
652 views

How to safely pay with VISA online

Usually I can get away with PayPal for online purchases, but sometimes I come across a website that only accepts VISA card. I refuse to use my VISA card, as my account contains all of my money, and ...
1
vote
3answers
121 views

Visa card transaction please help? [closed]

2 weeks ago, I had to pay 5 thousand USD from my visa card which was almost the total balance existing on it. The transaction was declined twice and then it got accepted after trying the 3rd time in a ...
1
vote
1answer
111 views

Nationwide FlexOne internationally

I am planning a trip to Berlin, and I have seen that my debit card has no transaction fees or cash fees for foreign currency, so it is charged at VISA's exchange rate. Are there any costs I'm missing, ...
1
vote
2answers
69 views

Visa balance transfer from one loan company to another

I have a Visa loan with company A that has an interest rate of 10%. Company B is offering to let me transfer my balance with A to them for a 12-month 0% interest rate. I know that company A also ...