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3

There are many small-time landlords that are a bit overzealous in asking for information or simply don't know what information is appropriate to ask for. Some ask for pretty much everything remotely relevant to see what you'll provide, since that helps them get as detailed an understanding of your financial situation as possible. Savings/checking balances ...


0

The third was to just switch to using my debit card. This is what I did. This presents a security risk dealing with necessary online things (bill pay). Yeah, but less than you'd think. If you're really worried about it, open up a separate checking account, use that debit card, and only transfer money to it when necessary for normal bills. Moreover, ...


0

My Suggestion is to get a second credit card. Since you evidently have a problem prioritizing your credit card spending, you can alternatively prioritize the card you use online. All you have to do is load the new card with just about enough money you would like to spend online. In addition, take out some free time to master the new card number - don't let ...


0

will I get a full refund? No, why should you? The ship will give you the refund in the currency they originally charged and the credit card company will give you funds in the credit card company for the exchange rate AT THE TIME OF PROCESSING THE REFUND. Sucks? Yeah, the world is not fair. This is how it is handled and this is how you agreed to have it ...


1

It depends on your credit card detail, you'll need to check the agreements. Typically, credit card charges are converted with the (very good) bank exchange rate, and then a 2.5 - 4% fee is tacked on (without explicitly showing on the statement, so you think you got a poor exchange rate). Some credit cards offer 0% fees, and they are obviously quite useful ...


4

Since you mentioned a W2, I'm assuming this is based in the United States. If you're a consultant, you should receive a 1099 at the end of the year (assuming you did more than a minimal amount of work over the course of the year- I believe $600). That 1099 should have the gross amount the company paid you. You'll then fill out a Schedule C (I assume you'...


-1

Generally, contracts cannot be changed one-sided, even if it's to your benefit. it's very similar to if I wanted to gift you $100, without strings attached - you still need to accept them. (and no, I don't want to)


8

A reason (the only reason?) to decline would be that you do not agree to the terms. In order to have the credit card in the first place, you have a contract with the bank that spells out the specific terms of your arrangement, which includes defining the interest rate. Changes to this contract require agreement by all parties involved (it's possible the ...


0

Having the 3rd credit card might slightly help your credit score in the future, but it probably won't help much right away. In fact when you apply for the new card the inquiry could lower your score by approximately 5-10 points for 2-3 months before it recovers. Since you're planning to purchase a car in less than 3 months I'd recommend getting the car loan ...


1

Seems your simplest path is to find a bank/credit card that doesn't charge you foreign transaction fees. We have these in the US although I assume banks make up for it with a worse exchange rate, so you might end up paying this anyways. I don't know about Canada.


9

At the very least, you should look over each statement each month as you receive it. You technically have an unlimited amount of time to dispute fraudulent transactions, but you have $0 liability if you do so within two billing cycles. For other disputes, you have 60 days (which would be roughly equivalent to two billing cycles anyway). Valuepenguin.com has ...


0

Note that there are two very different issues here. Opening a bank account is one thing, opening a credit card account is quite another--you're effectively beyond the reach of any enforcement action, why would any bank lend you money?


11

You are not "required" to check at all, except for the physical statement you receive each month. (Or online if you opted for paperless). That's when the clock starts for you to report fraudulent charges. That said, if you tend to use a high percent of the card's credit line, you should probably check more frequently, if only to avoid hitting the limit. ...


5

A physical card associated with an account being "locked" isn't even included in the data submitted to a credit bureau and therefore can't be included in credit score calculations. It's worth pointing out that the loan behind your credit card account is essentially the thing that is reported on, not the card itself (which is just a vehicle by which you can ...


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