I need to replace my laptop. In order to defer costs, I decided to apply for a 0% APR (over the first 15 cycles) card, and put the laptop's cost on that so I can pay a bit each month without accruing interest on the purchase. I'm worried about the longevity of the deal, and my card isn't set to arrive for a week. They also offer fee-free balance transfers - so I'm thinking of putting the charge on an existing card and then transferring the balance. Is there anything else I should keep in mind here, or is there a hidden fee somewhere that might screw me? [more inside]
Where can I find information and resources for a teenager trying to make first steps toward financial independence from controlling/unstable/abusive parents? Particularly parental identity theft prevention. [more inside]
Can I get my FICO or credit score if I have a credit freeze in place with the big 3 credit reporting agencies? Would I need to remove the credit freeze in order to get my credit rating?
My debt situation is in the $117,000 range. I'm 25. I make $2,000 a month. I missed payments for the first time last month. Called a financial counselor for possible help. He told me to stop paying my student loan bills. Is that really a good idea? This sounds awful... Also - Any financial advice would be MEGA helpful. [more inside]
Do I put pennies toward my empty, matched 401(k) or pennies toward my slowly accruing credit card debt? [more inside]
I have had my credit card canceled and re-issued at least every 3-4 months for a couple of years for fraud. Help! [more inside]
I am going to be renting a car in a few days. I have a credit card account, but I lost the actual card and will not be getting the replacement before I am renting the car. How does this work? [more inside]
My photographer client does not want to credit me for my accompanying copy or provide me with a testimonial for my work. Suck it up or cut him loose? [more inside]
I had to replace my credit card this week due to fraud. I've received a super basic (no pretty image, no bank name, no chip, etc.) temporary card until my permanent one arrives. Just tried to use the temporary one, and was declined. Called up the credit card company and was told that the purchase was declined by the retailer because the card does not have a chip. Is this correct? Do some retailers only accept chip cards? I actually had to go through this whole new card number process not two months ago, and this was never an issue during that go around (even using it during interstate travel).
equifax credit report freeze issue [more inside]
My Realtor steered me to a mortgage broker, who in turn steered me to a credit fixer. I am suspicious. [more inside]
UK tax filter. My artist friend has been claiming working tax credits for his art business for 35 hours a week, but has been working for less time than that. What should he do? Snowflakes inside. [more inside]
My employer suffered a data breach and my personal information was leaked. They've provided me a subscription to a identity theft and credit monitoring service. I don't trust them. What is the best service money can buy that will protect me from identity theft and credit fraud?
I am planning on buying or leasing a car and buying or renting an apartment or condo. I plan to do both withing the next 4-6 months. As far as my credit is concerned, is there a certain amount of time that you need to space between these two things? I have perfect credit, savings and am not overextending myself financially. What do I need to know or consider as far as timeline? Thank you
A very close friend owes me $1000 and has for several years. I don't feel great about it. I'm not sure how I should handle this situation. [more inside]
My partner had about $400 of credit at a huge music store in Montreal. We read in the paper today that it closed down forever about 5 days ago without any notice to anyone. How could he go about getting his money back (as cash or stuff from there)? [more inside]
Im trying to figure out the best way to deal with a private student loan that got charged off. I've been slowly repaying the debt collection agency, planning to repay it in full, but now wondering if that's actually the best strategy as far as my credit score is concerned. [more inside]
I got the money back from my bank, closed the compromised account and filed a police report. So... what happens now? What will the police do? What else should I do? [more inside]
I've always been told to shop around for a mortgage. I have one and want to refinance, so what does shopping around mean? Is that still good advice? [more inside]
I'd like to know if there's any benefit to buying a shelf company in 2016, particularly if the goal is to build a solid credit history fast (if not immediately). [more inside]
My credit card was compromised - but I don't get it, the scammer got nothing. Explain to me how this works... [more inside]
I am a longtime AmEx customer (nothing fancy, just a charge card) who just moved to the US from Canada and who needs a new credit card. I love the customer service of AmEx--I trust them, especially, for travel and for dispute resolution. So far AmEx Canada has been iffy (reasons below). I'm happy to pay an annual fee. What's my best bet? [more inside]
I have looked up my own credit scores, but I'd like to hire a professional to help analyze my credit history to make a plan for improving it. I started an LLC and I really need to improve my personal credit score. Can I hire someone to help me do this? I'm in Columbus Ohio if that matters. Thanks!
I just sent a PDF of my credit report to the wrong email address. (I left out two letters in my broker's email address). Am I totally screwed? What steps can I take to protect myself? [more inside]
This has been happening for a while, and since I haven't seen any actual transactions shown in bank / credit card statements, I've just cancelled every order that came my way - until today, when somebody ordered from Checks Unlimited! (but still sent to my old address under my name?! WTF) [more inside]
What is the proper series of credits given to a screenplay which was liberally adapted from a short story, but which was selected for adaptation (and premise changed) by someone other than the screenwriter? [more inside]
My one debit card and one out of four credit cards are continually subject to fraud charges no matter what I do. Why is this and what can I do to prevent it? [more inside]
I had to cancel a ticket I bought on Orbitz and I now have $648.04 to spend on a ticket with Korean Air. I'm very open on where I would go. How would I go about searching - and where - to find out how to get the most bang for my buck with this? Google Flights? ITA? And how would i search?
Hey guys, I have a business in Costa Rica that specializes in tourism and does about $20-$30K of business per month. Does anyone out there know of the best possible option for accepting credit card payments in Costa Rica? Right now we are working through paypal but its certainly not ideal (and neither is requesting cash from our clients). I have already seen and heard of some of these third party entities withholding funds and even denying funds in Costa Rica (and elsewhere). Also, some of the rates on these things look ridiculous. Any help is obviously greatly appreciated!
What is current vs statement balance? [more inside]
I'm dissatisfied with my local credit union and am interested in taking my business elsewhere. They are the only game in town, so I'm wondering how best to assess my options for online only or at least long distance friendly credit unions. [more inside]
I'm hoping to start a new job soon and the company has extended an offer which I have accepted. However the offer is contingent on the results of a background check which I understand is either in progress or will be performed shortly. The problem is that this background check will show that I filed for a Chapter 7 bankruptcy early this year and received a discharge shortly thereafter. So while I wish I could take this moment to celebrate a great new opportunity, I'm afraid that the offer might be rescinded at any moment due to this new information. [more inside]
I'll be paying off my student loans in the next year or so. When that's over, I'll be completely debt-free. I don't really want a credit card, and I'm not planning any big, credit-required purchases for the foreseeable future. I don't want to rule anything out though, and am interested in maintaining my hard-earned good credit score. So what should I do now? [more inside]
I have some questions about an online payment company and their ability to sick a collection agency on me. [more inside]
For a month now I have been involved in a Kafkaesque nightmare with a local hospital billing department. I am convinced that they have a thief in their employ but I cannot figure out how to convince them of this or to positively make my case. [more inside]
The TrueEarnings American Express card from Costco will be discontinued next year. What is the best credit card for me to use instead? I use a card for several thousand dollars of business expenses per month. The balance is paid monthly. I want rewards that I can cash out, or points I can redeem, NOT a credit to my statement, which is what the rewards for the new 'SimplyCash' business credit card from AmEx would do.
I'm looking for a rewards credit card that will email me my balance--not just my purchases--daily. My current card will email me all my purchases as part of its fraud alert service, but I still have to log in to check my balance. Do you have or know of a card that will email me my balance? I'm pretty sure I had one like 15 years ago, but I don't remember what bank it was with.
I need to figure out how to make my cards useless at a few locations near me. [more inside]
I owed Verizon Wireless $38 and now it’s in collections. I need some help with how to handle this situation. [more inside]
Don't get me wrong, I DO want to pay this debt, I just need to take care of some other things first. Say, if you have a smallish unpaid debt (2k euros back then, I don't want to think about how much it must be 9 years later) in Spain, and now you're starting new in Sweden, can this debt bite you in the ass before you've used your small savings to rent a house, buy groceries, etc. while you get a job that will help you pay said debt? Could your new Swedish bank account or other assets be frozen? [more inside]
I run a small company and recently signed up to sell my items at the companies weekly farmers market as well as a big all day festival that they are putting on in September. After several markets, I did not do nearly the business that I had hoped and I also felt that the people running the market/festival to be non concerned and unpleasant to work with. [more inside]
Is this safe? They asked for my credit card info to give me a refund and i gave them my credit card number. Now theyre asking for the expiry date in order to process the refund. Is this safe? Can they misuse this data? Can't they automatically charge it back to my account?
How do I protect my credit card on apps that require it to be on file to use like Uber, Amazon or Walmart? [more inside]
A while ago, I stopped paying off an old credit card from college - I couldn't afford the payments for a while. However, once things did look better for me financially, I had forgotten about the debt. I also moved, meaning I did not receive any letters that were sent. The balance is well under $500; I know the exact amount of this debt. I just got two phone calls from debt collectors and caved to one. Did I handle this situation correctly? [more inside]
Last I checked (a bit under a year ago), I had a fantastic credit score. Now, a leasing agent just ran a background and credit check on me and says that I have no credit at all. What gives? Should this worry me? What am I supposed to do about it? [more inside]
Hey Mefites, what do you think is the best credit monitoring service? Is it worth it?
So I've got several 2-3 credit cards that I use heavily; I never run a balance, none of the cards have annual fees, I just like the convenience and earning rewards. I'd like to switch from the cards I'm using to some new ones that have better rewards, and do it in a way that doesn't hurt my credit score. [more inside]
My landlord just sent out a notice saying that we're going to be required to pay our rent online, through a service that will charge a fee. Is this allowed? [more inside]
Recent used car purchase is costing me money. What should I do about this? [more inside]
Pretty much what it says in the title. I need to pay debt. I need to increase my credit score. How do I do both simultaneously? [more inside]