184
votes
Is this person wanting to pay my credit card trying to defraud me?
This is no friend.
The clue is that your user name and password aren't required.
I've made payments for my mother in law, and the card number, just the 16 digits on front, were enough to send a ...
141
votes
Could I take my car even though my mom says no?
im not sure exactly what the title name is
Well, you need to be, because that and only that determines ownership (in the US, at least).
See Wikipedia: Vehicle title
- 50.6k
121
votes
I have 9,000 cash. What debt should I pay first?
Generally, there's no particular "win" to paying off the larger debt first, all things being equal. Pay largest interest rate first.
(Now, some advisors say there's a certain logic to paying off ...
121
votes
How can I gift $41,000 to my friend anonymously? (Australia)
Use a Lawyer
To ensure the legality and anonymity of such a transaction you should be able to use a lawyer as an intermediary without revealing your identity to the friend.
Contact a lawyer and ask ...
73
votes
Accepted
In what cases can a business refuse to take cash?
The Federal Reserve website notes that creditors must accept cash for debts on services already rendered, but that businesses may refuse cash for services not yet rendered unless prohibited by local ...
- 32.7k
70
votes
How can I get a refund from a seller who only accepts Zelle?
If the seller only accepts a payment method that doesn't allow you to get your money back, then there is a reason for that. There is a much higher likelihood that something happens where you'd want a ...
- 22.4k
64
votes
Is this person wanting to pay my credit card trying to defraud me?
Your friend has unwittingly got a virus/malware on his computer which has read his contacts list and sent some or all of his contacts (including you) a message, pretending to be from him, asking you ...
- 703
60
votes
How can I get a refund from a seller who only accepts Zelle?
The Zelle FAQ article "I’m unsure about using Zelle® to pay someone I don’t know. What should I do?" can be sumarized in three words: "Use something else".
Zelle is a great way to ...
- 23.9k
59
votes
How can I buy things with monthly payments in the US?
Trying to frame my advice in a way that technically answers the question:
Don't buy it right away. Pay $100/month to a savings account, and after ten months, buy the item with your accumulated $1000.
...
- 4,466
57
votes
Accepted
How do people with multiple credit cards keep track of their due dates and not miss payments?
No, paying only the minimum does not avoid interest charges. If you do not pay the full balance by the due date, then you will pay interest on some or all of the total balance, depending on the terms ...
- 131k
56
votes
Using credit/debit card details vs swiping a card in a payment (credit card) terminal
I see three possible reasons:
He doesn't have a secure way (or any way) to manually enter card details. Most payment terminals have a keypad and can support manual entry (or PINs), but everything ...
- 2,105
51
votes
Pay everything now or gradually?
To put this into perspective, you are paying ~$1500 interest annually (gradually decreasing), or $132 monthly.
All the while, you have money sitting in your bank account doing seemingly nothing.
...
- 3,118
50
votes
Paid off $5,000 credit card 7 weeks ago but the money never came out of my checking account
Don't be afraid, but definitely leave the money in your account!!!
It's spent money; the other bank just doesn't realize it yet.
I'd probably call the CC bank and ask them what account they think the ...
- 50.6k
46
votes
I would like to get cash for money judgement
Have you considered contacting the debtor directly and offering them a cash settlement? If they have any money set aside, they may be minded to accept a discount in return for giving you a lump sum. ...
- 1,374
46
votes
How can I gift $41,000 to my friend anonymously? (Australia)
Frame Challenge (idk if that's a thing in this SE, but I think it should be in this case)
You're concerned your friend won't accept the money if he knows it is from you, how do you know he'll accept ...
- 660
45
votes
Is online payment with credit card equal to giving merchant whole wallet to take the money we agreed upon?
Yes, technically they can. Nobody is stopping me as a software engineer from showing you a different price to what I'll eventually command the payment processor to take from your bank account.
You are ...
- 559
44
votes
I'm unemployed. Should I pay off my credit cards to avoid monthly payments?
Should I pay off my credit cards to avoid monthly payments even if it reduces half of my savings?
Unless you can still live for quite a while with that half of your savings and no income, then no. ...
- 131k
43
votes
Accepted
Undated cheque was given by client but client asks me continually not to deposit it
The receipt is irrelevant. It only means that you acknowledge that you were given a check, not that the check was any good.
Since you have not yet started the work, I recommend that, if you have ...
- 115k
39
votes
Is this person wanting to pay my credit card trying to defraud me?
That's what "friend" means.
The very definition of a friend is someone who knows you well, you know well, can be presumed to help you move**, and would never rip you off.
If you are not properly ...
36
votes
Accepted
What is happening every time I pay my credit card? Am I 'settling' with my bank, the credit card company, or another entity?
When you have a credit card account, your agreement is with the bank that issued your credit card. The bank is the one that is directly loaning you money. The credit card network (MasterCard, Visa, ...
- 115k
34
votes
Is online payment with credit card equal to giving merchant whole wallet to take the money we agreed upon?
Is online payment with credit card equal to giving merchant whole wallet to take the money we agreen upon?
No, it is not. To clarify: you're not giving access to cash (=wallet), you're not even ...
- 166k
33
votes
Is it a good idea to make one additional monthly payment to a mortgage?
Unless you plan on skipping a payment in the future, you'll be better off paying extra to principal rather than "banking" a payment early. If you "bank" a payment early, I'm ...
- 131k
30
votes
How can I buy things with monthly payments in the US?
I am a new international student in the US
Aren't you here on an F-2 visa?
that it's price is $1000, and I want to do the payment like $100 per month for 10 months (with no extra interest), how can ...
- 50.6k
28
votes
Using credit/debit card details vs swiping a card in a payment (credit card) terminal
Using the physical card or not are two different scenarios, namely "Card Present" and "Card Not Present" (also known as MOTO as in Mail Order / Telephone Order). They may involve different contracts, ...
- 3,942
27
votes
Advice for paying off student loans and auto loans now that I have my first 'real' job
The best approach by the numbers is to pay minimums on everything and put all extra towards the debt with the highest interest rate. So, that would be the unsubsidized loans in any order, then the ...
- 69.1k
25
votes
I'm unemployed. Should I pay off my credit cards to avoid monthly payments?
Dave Ramsey, the famous personal-finance guru and radio personality, has a concept he developed after counseling thousands of families in crisis situations called the four-walls. The idea is to ...
- 481
24
votes
Accepted
Can I get a late payment on my credit card if apr is 0% for the first 21 months?
Even if your APR is 0% for any particular statement billing cycle, there is nonetheless a minimum payment (typically 1% or 2% of the statement balance) that must be paid by the due date marked on the ...
- 31.6k
23
votes
Accepted
I feel I'm not getting paid completely. Do these numbers add up?
The statement suggests that you worked 114.13 hours this pay period, not the amount you suggest (68.23+37.9+8). So that could be the discrepancy in yours and your employer's calculation.
It looks ...
- 76.1k
23
votes
Pay everything now or gradually?
Reasons to not close your debt:
You can make more than 6.8% return somewhere else
You fear an unexpected expense in which you need temporary cash
Reasons to close your debt:
Even if you believe you ...
- 467
23
votes
Paid off $5,000 credit card 7 weeks ago but the money never came out of my checking account
The reverse happened to one of my kids. A payment for a credit card bill that wasn't theirs was made from their bank account. They notified their bank, and worried that the account had been hacked. ...
- 136k
Only top scored, non community-wiki answers of a minimum length are eligible