Tagged Questions

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1answer
18 views

Two of my credit cards got hit with fraudulent charges the same day. What gives?

This is bizarre and a bit troubling. Received a call from one credit card company questioning a charge. Turned out to be a fraudulent charge. Account was shut down. Around dinn …
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3answers
81 views

Anybody have sucesss with 0% Balance Transfers on Credit Cards?

Does anybody have experience in taking out 0% credit cards for 6-12 months and putting them into a savings account and then paying them off before the interest rates kicks in? I kn …
3
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1answer
100 views

Has anyone used Lexington Law to repair your credit?

I have about 20 negative marks on my credit report. Some are 30, 60, 90, 180 day late indicators, some are charged off accounts, some are sent to collections etc. Lexington Law se …
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2answers
238 views

Where to rent a car without a credit card?

Since I don't borrow money, that means I don't own any credit cards. Unfortunately, that makes it more difficult to rent a car, since most car companies have serious restrictions o …
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1answer
28 views

What’s the distinction between credit card companies and credit card issuers?

I realized that I've been sloppy in my posts by using "credit card companies" (like Visa and Mastercard) and the banks that issue credit cards (i.e. Chase) interchangeably. What s …
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6answers
146 views

Emergency Fund in place; Now I’m tempted to save. Should I?

Alrighty, kiddos, here's the deal. I have about 90K in school loans, 8K in credit card debt, and 7K owned on a car worth about 7K. I make 41K a year. I have just succeeded in sa …
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2answers
27 views

Am I compelled to write down my complete credit card information for patient registration?

I went to a new dentist on Friday, and had to fill out the new patient paperwork. One thing just made me shake my head, though. They asked for my name, credit card type and numbe …
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4answers
38 views

Is it smart to keep one credit card on hand for emergencies?

My wife and I swore off revolving credit about 2 years ago and have since paid off all our credit card debt and closed all but one credit account. Reading various sources in print …
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3answers
44 views

Save up or get 0% credit card for 6-12 months?

I am going to need to make a purchase in the next 8-10 months of about $6,000. Should I save up and pay in cash or should I invest that money, save $1,000, then get a credit card t …
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1answer
45 views

Is It True that I May Be Penalized for Paying My Credit Card Bills On Time?!

I just read this article on USAToday's website. I have also seen it on several other news sites. I would think, if I was charged for paying off my credit card every month, or for …
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2answers
35 views

Should I Get a USAA Card?

Some of my friends were discussing how good credit card holders are now being penalized for being good, and another friend said to get a USAA card. I thought only military people …
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1answer
33 views

What is the added value of the “black” credit cards?

For reasons unknown to me, I keep getting pre-approvals for a black visa card. I realize that this is their attempt to get in on the exclusive black Am Ex market. Does anyone kno …
2
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1answer
15 views

Is there an easy way to update expiring credit card information at multiple sites?

I have a handful of websites that have my credit card information on file for recurring purchases (like cell phone, internet, etc.), as do many people I'm sure. All of them have a …
1
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1answer
13 views

Why are some organizations allowed to charge to process credit cards?

Every time a merchant posts a note on the cash register like "Minimum Charge $10.00," they're violating their Visa or Mastercard merchant agreement. (Merchants must accept charges …
0
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1answer
7 views

How long does a fraud alert on a credit report last?

I used to be a member of LifeLock. As part of the service, they would initiate fraud alerts with the credit reporting agencies, which would mean that there would be extra authoriz …