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is it safe to apply for a credit card

Posted By: Mimi on 2006-04-17
In Reply to:

over the internet?  I hesitate to give out social security number and personal things on the net.  Is it okay or not?  Thanks





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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.
Debit card. They've got the credit card logo on them, so they
can be used anywhere a credit card can be used.
Check with your CPA--a $3000 tax credit may apply!
We're looking into this as well. Even if we don't go with the hybrid, a purchase of a new, more fuel-efficient auto may result in a $3000 tax credit (versus a reduction, so a wonderful thing) for the 2006 tax year!
If you apply for a hospital job, will they do a credit check? SM
I have had a problem with my credit and am working on building it up again.  I'd like to apply for a hospital job.  Does anyone know if they are likely do a credit check? 
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
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/


 


Charge what the credit card companies charge when they don't get paid on time!!!!
 
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.
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?
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. 


It never was safe. nm
x
To be safe, 30,000-40,000 (NM)
nm
I think it's safe. We do it all the time. You
sit right there with them and watch everything they do as you talk to them. Once you terminate the connection, they can't get back in without your help and permission the next time.
Better safe than sorry - money aside - LM
Way, way back when I was a student in college & lived in a dormitory, I started with right-sided pain walking back from classes one day. Next morning I was doubled over in pain & running a fever. Roommate called our floor "House Mother" to get me some help & for some unknown reason she thought I was "faking" it when I said I couldn't go to my classes - got me no help & told me to go to my classes. Thank God for my roommate "who knew me" & knew I had never missed any of my classes & stood up to our "House Mother". My roommate just happened to have an older brother (a coach at the local high school) She called him - he came to the dorm, saw the shape I was in & carried me out to his car & took me to the campus hospital. After all their examinations - they shipped me to the city hospital & thankfully the doctor there felt it was imperative I have surgery & did so with phone permission from my parents - thinking I "did" have a ruptured appendix. Come to find out, I had a ruptured ovarian cyst, was hemorrhaging internally, & was a mess. I was 18 - they took part of my ovary & went ahead & took out my appendix while they were in there.

Simply put -if I had had pain for 3 days which was not improving - regardless of the price, I'd have it checked out. I'd rather pay $100 to find out nothing was wrong & have my peace of mind than suffer the possible consequences of ignoring it. You just never know!

If I knew I had done nothing strenuous or out of the ordinary for me to cause this pain, i.e., all of sudden from sedentary to working out 24/7, I'd check it out- immediately !!
I'd rather be scared & safe than sorry!
I have surge protectors & an APC battery back-up system; however, I have those so I will have an alarm & time to close my applications safely without loosing info during a storm (Hopefully). That being said -"I will not work during a thunderstorm/bad lightening." When my APC beeps - I backup & close what I've been working on, close all applications, log off & unplug everything!

NO - it's not safe to work during a thunderstorm/bad lightning!! Your time and/or comittment at work will have to play seconds to saving your life - & I'm not kidding that this is a possibility. Anything plugged into an electrical socket, including a phone, has the potential of being hit with lightning. I just won't risk playing with Mother Nature !! I've read of too many who have and have lost !!
OMG...these are hilarious...I think it's safe to say we all have

So no real safe way to put...
a "bug" in their ear that you're available if they want you huh?
Melatonin can be useful and safe for some ... BUT
there can be side effects. I used it several years ago to help with sleep problems and it did help, and I thought I'd finally licked the problem. Unfortunately, I began to suffer from depression, which I had never experienced before. Since the Melatonin was the only change I had made before the depression, I stopped it, and the depression subsided. I later learned that depression can be a side effect of using melatonin for some people. I hope this is not the case for you and that you are able to continue to enjoy the sleep benefits of melatonin. However, if you find yourself becoming depressed, consider that the melatonin might be the cause.
Is Red Bull safe? sm
Does anyone know exactly how it works chemically? Is it different than caffeine?
I am glad you are safe

You said:   "I know the definition of an addict, and I, in no way, resemble or exhibit an addicts behavior."


I question whether you do know the definition of addictive behavior.  Going away by yourself in a hotel room without telling anyone where you are in order to withdraw from opiates is not what most people would do if they do not have something to hide.  Being a pain patient does not exclude one from becoming addicted.


Safe Family Act

The case I referred to was settled perhaps 2 years ago.  In that case, the grandmother already had custody (not adopted) of the older 2 siblings by filing in court herself.  In the case of the youngest child, he was premature, in a different county, and as the bio already had a history of not being able to take care of her children, the child was taken to the foster home the day he was released from the hospital.  This grandmother is a kindergarten teacher and grandfather has classification clearance in the Air Force.  Even though the grandmother had the older 2, they did not give her the opportunity to have the 3rd child.  She hired lawyers and finally did everything herself by terminating parental rights (bios don't like having to pay child support to the grandparents!) and then was able to adopt the 3rd child. 


The act gives the state 24 months (period) to close a case on children in state care.  If the bio is not agreeable to giving custody to relatives, the case can remain open and the bio has the opportunity to go to drug rehabilitation, parenting classes, get a stable job and prove they can independently provide for themselves BUT while those children are in foster care, the clock is ticking.  Some bios don't want to do all those things or cannot in that time frame.  If the state realizes the bios are going to make the time frame, and no relatives are involved, then yes, the child can be adopted by the foster care.  The case workers are overworked and under a lot of pressure to get cases closed so the state gets a good Federal score and gets bonus money...so yes, there are cases when it is easier to adopt the child to a foster parent than to relatives...then relatives have a fight they should not have to be fighting.


I knew when my GD was born that someday this was going to happen and I put myself in a position to be available and willing to take her.  I listen to her night terrors.  She asks why mommy doesn't call - I tell her mommy has to take a test (drugs) and then mommy can visit again.  It can be maddening because now I have to supervise the bios visiting the child.  No overnight visits.  Some states require background checks on other people who may care for the child.  Can't place her on my insurance as she is not adopted.  I got state benefits and part of that means I have to take my own daughter to court to get child support (bio dud has his own court case).  Some states make relatives become foster parents to keep their own grandchildren.  I'm single so now I work 2 jobs. The state closed my case as it became a private petition.   But whatever I go through, what she gives me is priceless. 


A Cross pen or pen set is always safe. :-)
nm
Thanks for the help. To be 100% safe I'm going to call my tax guy
x
Frosting is safe....for now!

How bad is that?!  I've eaten leftover frosting after the container was opened so it "wouldn't go to waste," but I still have the cake mix to make cupcakes and am too much of a tightwad deep down to waste it like that...and I'm just not in the mood to bake nuthin' today. 


So I ate a couple of teaspoons of straight-up honey and called it good.  Grocery run...gotta make one!


Safe mode sm

Have you tried to delete program under safe mode?  That is your best option right now. 


Also, when you said you accessed task manager and you have 37 running, do you mean processes running?  Because if you will under task manager, you have "applications, processes, performance, users, etc." 


Oops, meant to ask first, what operating system do you have? 


Let me know.  I will be in and out of this site, so it may take me a bit to get back to you. 


Going to safe mode now
Just found a site that walked me through how to try the safe mode route. Hope it works... I don't have my laptop backed up for work yet!
As for 37 task managers, that's what I meant, as if I had pushed ctrl/alt/dlt 37 times. Lots of other processes running, but 37 task managers open (that were not there before). I think the gremlins were having a party!
And I have Windows XP. Wish me luck and hopefully I'll talk to y'all tomorrow. Thanks for all your help.
I think you're safe.
I'm sure there's a possibility something could happen, but millions of people get theirs direct deposited so they must have some good security measures in place.

I've done the direct deposit for probably 6 years now and never had a problem. You get your refund much, much faster too.
Sure, nothing is 100% safe anymore.
It's only as safe as the technology you use and set up you have, which is constantly changing these days. But just because you are "wireless" doesn't mean you can't have a connection as secure as any other.
Try it in safe mode...sm

Shut down the computer.  As soon as you turn it back on, begin pressing the F8 key repeatedly.  You should come to a black and white screen with an option of starting in safe mode.  Arrow down to this option and press 'Enter'.  The computer will then start in safe mode.  Try it from there.  Hope this helps. 


Does anyone know when the Safe ID bill comes up for vote?
(regarding our medical records being sent out of the country).  I have already emailed my senators and am encouraging everyone to do the same.
Don't buy dolphin-safe tuna...
http://www.greenpeacefoundation.com/dolphinmark.html