Oddly enough, if I don't use my bank card as a credit card in the billing cycle, I get charged fo
Posted By: how weird on 2006-04-12
In Reply to: Did anyone hear the full story on the news about...sm - Casey
x
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
Debit card. They've got the credit card logo on them, so they
can be used anywhere a credit card can be used.
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.
Credit card? I'm not sure either.
NM
Bank debt/check card? Same thing?
Is the prepaid visa card the same as a bank debt or check card?
First, a prepaired debit card is not attached to your bank at all. SM
It is a separate account set up for use with your prepaid debit card only. No checks. No bank. And with the prepaid card, they cannot withdraw money without your prior authorization. Your employer can only deposit money if your employer provides a signed DD form with your signature on it.
I've never had any problems with my card. I feel pretty secure. I do pay bills with my card, but rather than authorize a recurring monthly charge (which you can do), I opt to manually get on the money card website and pay each bill, each month. So consider this. Once you authorize a recurring bill payment, it sometimes takes an act of God to stop it.
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?
Looking for best credit card, visa,mastercard or amercian express
need to consolidate some bills,
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/
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.
Charge what the credit card companies charge when they don't get paid on time!!!!
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.
Go to your bank or credit union and they can help
you set it up. What you claim depends on how you setup the account. You can claim $$ this year provided it is paid in by 4/15 and get taxed when you take out, or you can put in after taxes and not get taxed when taking out.
card
Riversongs and angelrays are the best...but they are free.
2,000 debit card
When your boss gives you your paycheck, do they ask what are you going to do with that money? Didnt think so. Same thing for the people of the gulf coast. They lost their jobs, their homes. The money they will be given will be in lieu of a paycheck till they can find another job and home. Its a paycheck from the govt.
Ethernet card
If your connection to the internet is through a cable connection, then you have an Ethernet card. If it is dial up, you may not have one. Look at the back of your PC, and if you have a plug for a cable connection (it is slightly bigger than a phone plug), then you have an ethernet card. Hope this helps. You can also go into MY Computer and check there too.
find a new card....
or, as long as your payments have been on time, call them and let them know you will move your business, and most of the time, they will lower it. Check your FICO score...if it's good, you can call the shots if they want your business. All have that little clause now that says even if you are even 1 day late on ANY other bills, i.e, utilities, dept store, anything, they can charge up to 36% interest on your remaining paymnents. Read the very small print.
Nothing but a card in the mail...sm
Do ya think it would have broke the company to have slipped a little something into that card? McDonald's $5.00 gift certificate; anything to show a little appreciation.
I've been thinking about it because there's not a lot of suits to pay; 1 owner. Now that I think about it some more, I'm thinking the owner might be Jewish, and not celebrate Christmas. But then why even send the card? And why not call it "appreciation during the holidays" instead of a Christmas gift? I duuno. The supervisors actually are MTs; I would have thought they would have brought it up during their weekly huddle. "what are we going to do for the MTs for the holidays?"
I thought about it some more and maybe only being with the company for 2-1/2 months might have something to do with not getting even a token. Oh well.
YES. We had an IBM selectric with mag card
and we thought it was great! HAHAHAHA
wireless card
thanks for the info. When I call today, I will mention what you said. Maybe I will just go to one of the local Super stores and see if they can set me up with a inout deal, if not i really am going to move if it does not work-eeks
does anyone have a prescription card that
isn't through their insurance company? like rxdrugcard, pharamacistrxcard, etc. i was considering getting one to cover the meds that insurance doesn't cover or pays very little on. any info is greatly appreciated
Debit card use
I know the credit card companies charge the place of business a fee or percentage when you use your credit card but does anyone know if it costs them every time you use a debit card, does the business pay a fee? Our apartment complex just offered the option of automatic checking account deduction because they said it costs them less than credit/debit.
debit card
Usually my purchases show up right away, unless its a holiday weekend and I use the debit card like a credit card instead; then its usually the next business day before those purchases show up. However, if I use it like a regular debit card, holiday or not the purchases show right away.
And if you got a $10 card you'd gripe, too. It's all you know
*
Anyone use a PC card for their work
I use a wireless card from Sprint and I am not that close to a tower. I checked with Verizon and their coverage does not seem to be as broad as Spint. I have no problems with downloading work, but do have a bit of a time lag when uploading work.
I would definitely suggest checking though with your IT department if you work for a national. I occasionally work for another service, and I when I download reports for them, I have to rely on dial up.
Hope this helps
I use a Verizon card
when traveling. I have the Nationwide package, $60 a month unlimited. In heavily populated areas, it is almost as quick as my DSL at home, but even in low population areas it is still better than dial-up. I've traveled from coast to coast (mostly along I-80) and only lost signal in the usual remote places (certain stretches of Wyoming or in heavy tree coverage). You might want to buy a card from whoever has the best cell signals in your area.
Rx drug card
I have one that's only $4.95 a month, and it's fabulous!! When I first applied for it online, I had 3 prescriptions waiting for me that were close to $60, but I paid less than $20 for them because the card was active within an hour after I ordered it!!
If you have a sound card..(sm)
you should have excellent quality. If the sound card is within your computer, you should hook the ear phones directly up to the computer. If not, you can install an external sound card and plug your ear phones into that. I have the external and have absolutely wonderful sound quality. On my lap tap I have an internal sound card and, again, have wonderful sound quality. I have speakers, but don't use them. If I unplug my ear phones, the speakers work, but I honestly can't say the last time I did that. I always use my ear phones.
My cat just stepped on my keyboard...Now I have two of them sitting right in front of me. Lovely, I guess they want my attention.
My daughter made it to the state tournament for softball All-Stars and we are headed up to the high country in the cool 80s. We will be out of this 115 degree weather for a week. Yippeee! That is something I love about Arizona. You just have a couple-hour drive and you are up in the cool mountain air.
Hope everyone has a great Sunday!
calling card
I used mine when I was out of town, and my minutes started as soon as I was connected to the dictation system. I diconnected in between reports when I proofread. It was cumbersome to do that, but saved some of my minutes.
Verizon air card
More info please. My husband and I are planning to do a lot of traveling and have been questioning the same things. I know we can leach off a signal if we are close enough to a wireless place such as a hotel, but what if we are up in the mountains or on a beach in the middle of nowhere? 
sound card
Thanks so much - great ideas!
Did anyone ever have a video card go bad and what does it cause when this happens. nm
:
wireless card
Well there are a LOT of factors - you may be a ways down the road from the nearest cell tower, which is one of the reasons that you only get one bar on your cell phone. I mentioned the "new wireless card" as a POSSIBLE alternative to those MTs who live in a rural area and cannot get a DSL or cable connection or satellite is not a viable option and are also utilizing a desktop computer. Until recently, the wireless cards were only feasible if you had a laptop computer, so I was just informing people that this might be another option. Sorry you have such bad cell phone service -- this is not an option for everyone but as I mentioned a POSSIBLE option with possible being the keyword
air card usage
Great that Sprint offers that. I do know on my account with Verizon there is unlimited usage, unlimited area. So I guess as well it goes to show that different companies offer different packages and most likely for different areas, depending on competition. Hope you find one that suits you, but make sure that you get the name, ID# , etc. of every person you talk to. Makes it a lot easier if you have to go back for whatever reason to them. Also, Verizon offers an antenna that you can hook to a window with suction cups, etc., so be sure to ask whoever you talk to if they offer any accessories at the time of sign up and if they can throw those in for free.
I don't know if you mean WiFi or the air card.
The air card lets you connect to the internet provided there is service available in the area. Just like cell service if there is no service it doesn't work.
WiFi works in the same way, if there is a network available within range you can connect to it, but unless it is an open hotspot you have to have a password to connect to it. Most computers now come WiFi compatible. If you have an older computer you can get a WiFi card that slides into a slot on your laptop. They range in price from about $40 up to $100+ and can be found at any computer store, or a store like Best Buy or Circuit City.
air card Sprint or AT&T?
i looked at verizon and don't think i want that one. I was going to go through Sprint/Nextel, but then noticed that AT&T has a network as well. any advice?
|
