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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.

4
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In your words, you have a "bad habit." This is a habit you need to break. However, the large balance on your credit card is the symptom; the problem is spending more money than you take in. Followin …
answered Apr 9 '14 by Ben Miller - Reinstate Monica
7
votes
As I explained in my answer to “What to do with expired cards”, I don’t think you need to worry a whole lot about it. The card is already expired and can’t be swiped/scanned anywhere successfully. Yes …
answered Sep 25 '18 by Ben Miller - Reinstate Monica
29
votes
I don't know if you purchased the tickets from Ticketmaster or from somewhere else, but Ticketmaster covers this in their "Credit Card Entry" FAQ: What if the credit card I used expires before the …
answered May 25 '16 by Ben Miller - Reinstate Monica
4
votes
The purpose of the code is to prove that you have the physical card in your possession. Here are the features: For Mastercard/Visa, the code appears on the back of the card, and on American Express …
answered Apr 6 '16 by Ben Miller - Reinstate Monica
8
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At one time, cashiers were instructed to look at the signature on the back of the card and see if it resembles the signature on the receipt. However, most cashiers these days are told not to worry abo …
answered Jun 29 by Ben Miller - Reinstate Monica
4
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It is not true that the credit scoring/reporting system cannot tell whether or not you are using your credit. On your credit report, each of your credit accounts reports on a monthly basis both what …
answered Jul 8 by Ben Miller - Reinstate Monica
15
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You'll need to read all the fine print with your particular credit card, but in general, if there is no annual fee and you don't make any purchases, you don't pay anything.
answered Feb 25 '16 by Ben Miller - Reinstate Monica
22
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If the live customer service person says it's closed, and the computer says it's closed, then it is most likely closed. You shouldn't need to do anything more. If you happen to be unlucky and your a …
answered Jan 17 '17 by Ben Miller - Reinstate Monica
1
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If you've got the money to pay off your credit cards, do it. Today, if possible. There is no need to pay another penny of interest to them. They may or may not cancel your cards. That is up to them. …
answered Dec 13 '14 by Ben Miller - Reinstate Monica
1
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The statement date is the date that is the last date of transactions on each monthly statement. On that date, they will total up your new transactions, add any interest charges, calculate the minimum …
answered Jun 18 by Ben Miller - Reinstate Monica
130
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Yes, these companies benefit from people forgetting to cancel. However, besides this, there is another reason why companies do this. One of the obstacles that a business has to making a sale is the …
answered Sep 20 '18 by Ben Miller - Reinstate Monica
4
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It is very common to require a phone call to cancel the account; this is not normally possible from the website. After you have notified them that you want to cancel the card, and they have told you t …
answered Jul 4 '15 by Ben Miller - Reinstate Monica
1
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Perhaps not the answer you are looking for, but if you pay for the balance once, you can then keep track of the balance yourself. Every time you use the card, you can do some math and subtract how muc …
answered Feb 17 by Ben Miller - Reinstate Monica
24
votes
If it is a well known company that wants to give you a refund, I would not worry about giving them your credit card number. However, I would never type my credit card number into an e-mail message. …
answered Aug 12 '16 by Ben Miller - Reinstate Monica
52
votes
The purpose of the security code is not a secret PIN. The purpose is to "prove" that you have the physical card in your possession at the time of purchase. It is only used when the merchant cannot c …
answered Dec 18 '18 by Ben Miller - Reinstate Monica

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