Podcast #128: We chat with Kent C Dodds about why he loves React and discuss what life was like in the dark days before Git. Listen now.
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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.

5
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There is no downside for requesting an increase that I am aware of, unless you are the type who can't handle rejection. The worst thing they can do is say "No."
answered Oct 27 '10 by JohnFx
3
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You won't have to cancel the card. However, you won't be able to make any new purchases on the card until you pay it down under the limit. Also, if you exceed the limit the credit card company may cha …
answered Apr 30 '15 by JohnFx
6
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This is just my opinion, but paying an annual fee for a credit card these days is simply not worth it. Also, if you are just going for the airline miles, I'd suggest a cash back card is a better choic …
answered Jul 11 '12 by JohnFx
1
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Usually it is called a "convenience fee", but they could call it anything they want I guess. Depending on the card issuer and state, this practice may be against the rules for the merchant to do this …
answered Apr 13 '16 by JohnFx
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I think what you are looking for is a secured credit card. They are mostly used by people who have ruined their credit and want to rebuild it, but it might also serve your purpose. Essentially you d …
answered Nov 1 '10 by JohnFx
11
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Assuming you don't plan on continuing to use the card frequently, the best advice I've heard is to leave them open unless they have an annual fee. Also, leaving it open with a zero balance doesn't he …
answered Mar 17 '10 by JohnFx
2
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It would probably be more effective to call your existing credit card companies and have them raise your limit. Ultimately, though. I'd suggest not trying to game the credit scoring system. Get extra …
answered Aug 26 '10 by JohnFx
4
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Avoid cards with annual fees. They just aren't worth it except with very few exceptions such as: 1) Someone else pays the fee, for example your employer for a corporate card. 2) You charge enough th …
answered Aug 5 '13 by JohnFx
1
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If you are determined to file a complaint the correct way to do so is with the bank's regulatory agency. This probably won't help you get resolution on the refund, but will definitely get the bank's …
answered Mar 5 '15 by JohnFx
16
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This isn't so much a legal issue, the prohibition on giving discounts was written into the merchant agreements that most of the major credit card companies enforced on businesses that accepted their c …
answered Aug 26 '10 by JohnFx
9
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There is a benefit to using it, but you only need to make 1-2 charges a year per card to get the benefit. That is enough to keep the account considered active and help your credit history length. I …
answered Nov 2 '10 by JohnFx
5
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According to this article by LaToya Irby, paying off your card each month doesn't help you with respect to the credit utilization part of your score You can't trick the FICO score into thinking …
answered Aug 10 '10 by JohnFx
10
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Why not just get another credit card and transfer the balance? Many of them will give you special perks like x months of no interest for doing so. Also, once you call to actually cancel the card you …
answered Mar 16 '11 by JohnFx
4
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My understanding it that the signature requirement is at the retailer's discretion. If the merchant decides to require a signature it protects them against fraudulent charge-back claims, but increases …
answered Feb 20 '13 by JohnFx
5
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Debit cards can be riskier than credit cards. That's why I personally avoid debit cards unless I have a very good reason to go that direction (e.g. HSA accounts). To explain the risk, consider what …
answered Jan 11 '15 by JohnFx

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