Looking for best credit card, visa,mastercard or amercian express
Posted By: Leo on 2005-10-18
In Reply to:
need to consolidate some bills,
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Oddly enough, if I don't use my bank card as a credit card in the billing cycle, I get charged fo
x
No credit card is a good credit card.
Just kidding. I'd suggest not using credit cards to pay debts. It'll only dig you in deeper. Look into a signature loan or putting a lien against a vehicle or house. Lower interest rate, pay off sooner.
Prepaid Visa Card for payment
Has anyone used a prepaid Visa card for receiving payment for work? Is this safe? Thanks
Debit card. They've got the credit card logo on them, so they
can be used anywhere a credit card can be used.
I always use my debit card (with visa symbol) for online purchases, never a problem. nm
x
Credit card? I'm not sure either.
NM
How do you rent a car without credit card?
I only use my debit card now. However, how do you rent a rental car without a credit card?
Credit Card Consulidation
These offers for credit consolidation sound good until you read the fine print. Basically, you are taking out a loan for the amount of your debt. If you miss a payment or even are one day late, you can end up with huge, huge interest charges added to your bill. I thik a lot of people go bankrupt falling for this scam.
get a credit card just for your IC expenses
it will keep all your expenses in one place and you won't need to keep receipts, just the credit card statements. Other than that, track mileage, though to be frank most people will just claim an average mileage and then create a mileage journal if audited. Also if you will take the home office deduction, you can claim percentage of heating, etc. but easy enough to do that. Might be worth your while to consult with a CPA if you take the IC job, and then the first year that you do your taxes. He can explain everything you need and then you can take it from there. Just one or two more forms to fill out, nothing earth-shattering.
A credit card separates
personal purchases from business purchases and simplifies bookkeeping. No need to keep multiple receipts, just credit card bills. You need to HOLD money in 2006 to pay tax bill FOR 2006 when due in April 2007. At that time, the IRS will send you a notice that your underpayment is too great and they would like you to file quarterly. Then, as said, you only have to pay 100% of what you paid for 2006, divided into 4 quarterly payments, across 2007 in order not to get a fine, even if you make lots more or lots less. Come April 15, you settle up the difference again.
Oh, not this discussion again. I haven't had a credit card
account in over 10 years now, and I do just fine. That includes reserving hotel rooms and rental cars, buying plane tickets. I live on a cash basis within my means. Nobody needs a credit card.
In addition to your credit card receipt you should
get a printout of your payment and if they don't offer it, ask for it. Be sure to check right away that they are showing you paid and if you have a receipt your payment was put in the system, which should eliminate this issue in the future.
Billing an insurance company will give the insurance company a good laugh and will probably create further problems.
New credit card interest rates (sm)
Wondering if those of us on this board have noticed that credit card companies will be increasing their interest rates along with the minimum payment due soon. How will this affect some people who can barely make the minimum payments now. Any insight greatly appreciated.
Purchase date on credit card
x
is it safe to apply for a credit card
over the internet? I hesitate to give out social security number and personal things on the net. Is it okay or not? Thanks
Credit card/income question. sm
I got an offer from Capital One for a personal credit card. Credit not great, but I figured they checked it before sending offer since I have a business card and they check with CRA every month.
Anyway, they declined it. They said I didn't make too much. Said they would not put denial on credit report. Want to find out how do they know how much or little I made since that information is not reported. Do they go by FICO score? Just wondering if anyone else had this problem.
Had this problem before, and worked for a credit card company too
I also had problems with travelocity, which ultimately was routed back to hotels.com, where I booked it for one date, they reserved it for a different date, and I ended up having to pay for both dates, PLUS a HUGE fee. I challenged them on it, but nothing ended up happening, other than me biting my tongue and paying it.
HOWEVER, since you were told that they would credit the amount, you need to talk to Hotels.com first. Make a concentrated effort to speak to supervisor after supervisor until they give you an apology and credit it. ALSO (and, if they refuse to give you the remaining credit), call your credit card company and explain the situation. They can do a few different things here. They can, and probably will remove the over-the-limit fee for you, if you explain the situation, as long as you don't have a long over-the-limit history. Don't let them tell you that they can't remove it, just keep going up the chain of command until someone does. All CSRs in that situation are able to remove the charge, and if they don't, ask for their manager (they will just put you through to a phone queue where the people have higher capacity to remove stuff like that). The second thing that they can, and will do, is, if hotels.com won't do it, you can dispute the charge, explain what happened, and it will be removed while they research it. Most of the time, they remove it and you never hear about it again, other than to tell you that it's been taken care of. If they decide it was a valid charge, which they won't, they will add it back to your credit card balance after getting hotels.com to prove that they provided the necessary service.
Make sure you contact your credit card company, even if hotels.com refunds your money, at least to get the over-the-limit fee waived. I would still dispute the charge, and that way, it is covered if they say they are going to refund it and don't. If you dispute it, and they end up refunding your money, just alert the credit card company, and it will be a wash. Good luck! 
call credit card people immediately
and dispute charge (the back of your bill should give you the procedure on this) WRITE down everything you have done for the record. Yes, you absolutely must contact someone who knows something at hotel.com and be sure you contact the Atty General of your state and the state where hotel.com is headquartered, not to mention the BBB. Hotel.com has just got a load of bad publicity - don't forget to point that out to them. They also need to reimburse you for any charges incurred.
Be sure to keep a paper trail...emails will work. Good luck to you.
Do not close credit card accts with 0 balance
I get offered and have used no interest credit cards for years. They are usually no interest for 1-1/2 years. When it is time for them to start charging interest, I roll them over into another no interest card. I have never closed an acct, just cut up the cards and forget about them. My FICO score is excellent, as is my credit. I get offers for no interest cards at least once a week so it obviously hasn't hurt me.
could it have to do with the class action law suit, my credit card company did that once...
they sent me a check of some money they supposedly owed me because someone filed a class action suit regarding their not posting monies received the same day and therefore charging people late fees, etc. I got like $3.46 for something or other.
perhaps it was a class action suit that was filed, and then of course MQ would have to go back and pay any monies due to everyone regarding the line-count discrepency issue.
maybe I am way-off, but if it is on the QT, that could be why. once they pay you off, they are no longer liable, right?.
anyone else have any ideas?
They hand your credit card #'s when processing orders - why not mail?
It is common knowledge inmates work by processing internet and catalog orders. They hand credit card numbers every day. How can you even trust to place an order anymore, not knowing who is actually processing your order? It is surprising what inmates are allowed to do. Some live better than us behind bars!
Call the credit card companies and ask them to lower your rate. sm
Tell them you are having trouble and you need a lower rate. I would try that first on your own. I have done it and went from 14.9% to 4.9% on my credit cards. I can now pay them more monthly than they ask for and I am on my way out of credit card debt.
Consolidation companies, some, charge a fee and it goes on your credit report as "write off or bad creditor". If you have no success with the cc companies yourself, than try a consumer company to help you.
Good luck to you!
I renew my subscription to Norton each year it is due by credit card through them on the internet.
If I change computers how do I get that back into the new computer as I dont have a disc or anything I just do it over the internet. I have the original disc that I purchase 2 years ago but have since upgraded over the internet as I said.
Indian call centre credit card 'scam' exposed
RE: Symantec (Antivirus) customers credit card information being sold.
http://www.theregister.co.uk/2009/03/20/call_centre_credit_card_fraud/
If you have an American Express card...
You can get incredible prices on rental cars through AMEX's travel site.
Sounds like their sound card is not compatible with express scribe. (nm)
x
if you determined you do have a sound card, uninstall express scribe and reinstall. sm
i have had some computer issues recently and it seemed there were some quirks with downloading it. i had to reinstall to get mine functioning although i wasn't getting the exact same response as you, but issues. i would also update your drivers if you do have a sound card before buying another one. right click my computer icon, hit properties, hardware tab, device manager, look under sound, video, and game controllers and you will see a sound card there if you have one. also notice if there are any yellow triangles or anything as those signal a conflict. email me if you need to.
Charge what the credit card companies charge when they don't get paid on time!!!!
i use GM mastercard w/rebates on new cars.
We have saved something like $8000 over last 10-12 years in rebates. We put most everything on there, gas, groceries, etc and it adds up. But we only have one card and pay it off every month too, so not sure about interest rates, etc. Can go to gmcard.com and see if it works for you.
great website for credit and credit cards, interest rates
great website
Has anyone used a credit counseling service to consolidate credit cards?
What was your experience? Was it worth it? Which ones are credible?
I used to send a card and gift card to my direct supervisor, but that's it. sm
She was the only one who knew me as more than an employee number, and the only one I had any respect for.
Prepaid MC/Visa
i think you ladies have this MC/Visa thing all wrong...think of it as a debit card from your bank. I have worked for multiple companies that have had this. This was done through ADP the payroll company...you can have all or a percentage of a fixed dollar amt put on the card, the rest is direct deposited into your bank account. you go to ADP online and get your paystub just like regular. Other payroll processes that do this are Paychex which uses JPMorgan/Chase as their MC/Visa...all reputable and above board. Face it ladies this is the wave of the future...banks don't want us writing checks and don't want to deal with paper checks so they are slowly phasing them out.
I think it was visa versa. I worked for sm
TL since 1983 and it switched to MQ in the 90s. Must have been R&R before TL. When I worked in the hospital we had the paper mites and had to have the office sprayed all the time. Then Igot them at home when I worked at home and same thing. They will eat your ankles up!
If you use a Visa CC, they usually provide collision
xx
Part time on H1B visa
Hi, I live & work in the US, but on a H1B. Have W2 employment status with a contracting company. Can I work for MT part time?
If i do, would it risk my current employment. How can I get this confirmed?Regards.
do you mind saying what prepaid visa--sm
Do you know what card they use or what the name on the card it? Is this for IC or employee?
I have been looking into getting a prepaid visa or mcard for direct deposit. There are several I have found online, but among other things to consider, I am still unclear what the fees are or just how they work.
Thanks in advance if you know the answer to the card name.
CREDIT, everyone is living on credit, and from what I see
with a rather, 'might as well, we have no future' kind of attitude.
our credit cards are maxed out, we are buying gas, food (which I swore I would never do, how stupid - all that interest for food, yuck!), paying bills, and we would not have survived without them. now they are maxed out, and we are not making one bit more than we were.
glad things must be going so well for you, but look around in your own neighborhood.
the gap is closing between rich and poor. like it is in somalia, for example.
call us doomsdayers, but I call it protecting our own interests.
why is it the only people who are supposed to care about themselves are the rich?
Washington Mutual offers Visa debit cards with
nm
Has anyone disconnected the internal sound card and replace with another sound card?
I am having problems with my sound on one of my computers. Several different ExText program have been on it so I don't think it is the program and the sound is just now as clear as on my other computer. Has anyone switched (disconnected the internal sound care and replaced) to a new sound card? Did it make a difference.
Everyone on this board is so knowledgeable, I really appreciate you. You have helped me many times.
They will put this on your credit
Please get them to explain to you that this does affect your credit in a similar way that a bankruptcy does. After having this explained to me, I filed a Chapter 7 and was done with the problem...no payments to anyone (other than the attorney).
I was able to immediately (upon discharge 3 months later) get secured credit cards and purchased a new vehicle after 12 months. Best move I ever made.
credit
www.creditboard.com
Cars and homes can be purchased 1 day out of discharge.
thanks, but the credit goes to......
the--ahem--offshore MT who actually transcribed this. I don't think it's an urban myth.
getting credit for CCs
I guess really I don't care what the client wants, necessarily, I just want to know if we get paid for those Keystrokes if we do have to add physician names and addresses to the CCs.
Give yourself some credit.
nm
consumer credit
i don't know about them, but CAmbridge is a good one. They pay the creditors on time and are always in follow up with you. They do, however, charge a fee but it's not too great of one.
Consumer Credit
I talked with them and there was a HIGH fee for them handling my payments. Too high for me. I talked to the credit cards directly and worked with them. I think my payment to CC would have been about $70 a month. Also through them, the interest rate was lower, but the payment was higher as they do a percentage of the balance. But now that the credit cards are doing higher minimums, more people are going to be in this situation. I did go throught Trinity Credit Counseling and my fee to them was only $25. So you need to check around.
Just my two cents worth.
Credit not way great...sm
I have a pre-pay credit card; it's a Visa. The bank account, well, we don't have one, but I could give my mother-in-law's; she let us deposit in her account before, no problem. This is such a great idea. I hope this all works out. Thanks for the info!
credit cards
Don't charge unless you can pay the piper.
credit cards (sm)
Yes, this is what I am referring to. I have been receiving these notices in the mail lately basically stating that the credit card companies can do whatever they want, i.e., raising interest rates, miminum payments, etc. This was attached onto the new bankruptcy bill that was passed in October. These changes will take effect I believe in Jan 2006. I am getting rid of all of mine. I have a good FICO score of 765 and have opted out of these new changes with the intent of paying off these cards. Hope everyone else is paying attention. Happy Thanksgiving!!
Credit counseling
Yes, it does go on your credit report. I explained this to my banker that I had not had a problem before in paying my bills, just that I had too many. My banker reviewed my payment history and still approved the loans I requested. Each case is individual, and going through credit counseling may or may not affect your ability to get loans in the future.
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