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!
We've been overcharged by thousands by a service provider that can't refund the charges immediately, but wants to pay us back over time. We paid via credit card, but doing a chargeback would likely put the provider out of business. What is the right thing to do? [more inside]
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.
(Asking for a friend.) My friend just applied for a credit card and got a letter back asking for a letter on original letterhead from her bank with her home address, and we don't really know what would make the CC company happy. [more inside]
How liable is my wife for the debts her father had when he passed away? How close can collections get to our assets, and/or the assets we received from him? Can they impact her credit score? [more inside]
Someone ordered a bunch of stuff online using my credit card number and then had it shipped to me. I just don't understand this scam. Any idea what is going on here? [more inside]
It looks like I'm going to be moved onto a work project that will involve some significant travel, something like one week a month. I know that the real road warriors in the audience will scoff at that amount, but this will be the first time I've traveled consistently enough that it seems worth it to figure out the details of the various rewards programs and make them work for me. So tell, me what are the best deals out there? Credit card rewards? Mileage programs? Hotel chain loyalty programs? Details inside. [more inside]
I recently visited Tokyo. While I was there, I found myself in the Kabuki-cho region near Shinjuku. I hadn't checked the state department advisories before I left, but if I had I would have found there have been warnings about this going back years. I was drugged by a tout, who then led me around town in a dissociative state all night, and in the morning I found that my credit card had charges going up to the limit, all in $1k or $2k increments. I called my card company and told them the transactions were fraudulent, and also told the embassy and the Shinjuku police. Is there anything more I should do? I'd also like to reconstruct the night - can I get detailed records from my credit card company? [more inside]
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]
I manage a webshop. We have received a very odd order. We believe that it's a scam and we have a theory on how this will play out. Do you think that we are right? [more inside]
What credit card is best in life for traveling abroad? I'm in the U.S., headed to Israel next month. Would like to get a new credit card that has no foreign transaction fees and no annual fee. Any recommendations welcome. Thanks!
I left a bag on a plane last night; thankfully it was taken by airline staff to the airport's Lost and Found office and I will pick it up tonight. In it (still) are my U.S. passport, an American Express card, and Visa debit cards from two different bank accts. This is a small airport in a remote Scandinavian town with an extremely low crime rate. No activity today on any of the cards. Still, do I need to put any sort of identity-theft flags on passport and/or on cards?
I'm taking a trip to Japan next month. Should I go cash only? If so, what are logistics of this? [more inside]
I'm in Vietnam, soon to be India, and I have a medical problem and a credit card problem. (1.) How to treat stitches in my leg from an injury I got 17 days ago? YANMD, but you speak English. (2.) Credit card: My card is lost, where in Northern India should I get the replacement sent? [more inside]
I bought a computer through Best Buy using their deferred payment plan (i.e. no interest if balance paid in full before one year). I should have been able to pay it with some easy monthly payments, but a perfect storm of events basically means that I'll need a few extra months to do so. Is there a good place I can go to get a loan for this kind of situation? If not, what are my options? My credit score is ~650.
I've been carefully avoiding paying attention to our debt. Just added it up. Uh oh. [more inside]
Wife lost her job for a few months and I was trying to swing our mortgage and $500 monthly AMEX payment. Talked to AMEX to try and work out a plan and they said “just pay it when you can”. That was a couple months ago. The account is now closed and I assume they "sold it". If they sold it to a collection agency, can I negotiate with the agency? [more inside]
So how else can I use cash as an American travelling to Malaysia? [more inside]
My credit card was stolen, again, for the fifth or sixth time this year. What gives? [more inside]
All of the credit cards I use are magnetic stripe + signature, which is still the norm here in the US. We're planning a visit to Europe in spring of 2015 and I'd like to have an honest-to-God US-issued chip + PIN card by then. Who has the best one available at the moment? [more inside]
Non-American working in the US for 3 months, then returning to the US a year or two later. I want to use this 2 year gap to build a US credit score. How can I make this work? [more inside]
I'm in the latter stages of my PhD, and I have been recently realizing that I have literally zero credit history. I don't need a good credit history now, but I anticipate needing one later. Presumably, in order to do this I need to get a credit card. Help? [more inside]
I haven't used automatic billing/payment for any of my monthly bills - where the company takes out the money to pay a bill from your bank account or credit card - yet. I'm considering to begin doing this because I'm tired of keeping track which bills I have/haven't paid yet and spending time to do so. Is there any catch to using it or things of which I should be cautious? [more inside]
I'm going to the UK and Italy for 5 months for work and am having trouble getting the banking situation worked out. [more inside]
I'm in my mid-thirties and have good credit, but I've never had a "real" credit card. I'm going on an international trip in December/January, and in the hopes of offsetting some of my plane tickets through signup bonus miles, now seems as good a time as any to finally get a credit card (still, I'm not averse to cash back rather than miles). Give me advice! [more inside]
Credit card stolen -- How to update my accounts quickly with less tedium? [more inside]
I just got notified about suspicious credit card activity that is indeed not me. Talked to my bank and all is good. But what boggles me is how this even happened. I have my credit card with me right now (not stolen/lost). The purchases that were made also seem to have required a physical card (gas station, fast food restaurant, home supplies store, etc.). So how was it even possible for the fraudster to make physical purchases without an actual card? As far as I know, whenever you make a purchase offline, you have to swipe a physical card, correct? I am bewildered and now highly paranoid. I just want to know so I can be more aware and hopefully prevent something like this from happening again.
I am pissed that I got THREE non-sufficient fund charges from my bank for the same single payment that did not go through. What can I do about this? [more inside]
I have a business partner flying into Newark who wants to know if she needs cash for a cab. [more inside]
I'm shopping around for a credit card for the first time in ages - I've decided airline miles are a sucker's game, and just want something more straightforward. I'd like to know if there's anything really forward-thinking going on in the credit card world, because it all looks like "fees versus rates versus weird points schemes". If you have a credit card that you love (or hate) can you tell me why? FWIW, good credit, revolve occasionally (once a year or so?), and willing to pay a fee for something truly good. I've looked at previous questions but it feels like the landscape changes so quickly!
The cardmember agreement of my new Amex card includes the right to reject a mandatory arbitration clause by sending a letter within 45 days of my first purchase. (Background here, example agreement here). You are not a lawyer, you are not my lawyer, you probably don't even know what a lawyer is...but is there any good reason not to reject binding arbitration? I am already a deadbeat.
My dad is a consulting structural engineer. His current approach to billing clients is to finish a job (or portion of a job) and email files along with an invoice generated in (I think) quickbooks. This works fine for his regular architecture firm clients- he knows that they will pay, even if they take 90 days or whatever. The problem is little jobs for people that will probably never hire him again- say, someone who has a sagging beam in their house, and hires him to take a look at it and make a plan for a fix. Once they have the files they need, there isn't much leverage for him to get them to pay, and the amount isn't really enough to take them to court over. What he would like to do is be able to email them an invoice with a link. That link would take the client to a secure website where they can enter a credit card payment, and, after it goes through, give them access to the files that they paid for. Does such a tool exist, preferably as a plug-in or part of something like Freshbooks or the ecommerce portion of Square? [more inside]
OK, this sounds insane and paranoid, and I feel fairly confident this is just a very weird coincidence, but is there some computer virus-y way that a Google search term can end up being reflected in credit card fraud? [more inside]
I just got a call from my credit card company. it seems my card's number got compromised, along with about a million others. they strongly urge me to cancel the card and get a new one. this will be a major pain, as i have all sorts of accounts linked to the card for automatic billing. and, besides, isn't security their responsibility? because what if this happens next week and the week after? do we have to change numbers each time there's a breach? does anyone have any experience with a situation like this and how did you resolve it? thanks.
I am (finally) shopping for a credit card and I want something with cash back and/or airline rewards. What do you recommend? [more inside]
I remember running across a fundraiser on a site (ala GoFundMe or Indiegogo) where they gave the donors the option to add the processing fee to their donation, or take the processing fee out of their donation amount. Which site is this?
My partner and I have about $8k in credit card debt, built up over the last 10 years of undergrad followed by underemployment. I'm starting graduate school in the fall, with a fully-funded research assistant position and tuition waivers. I am thinking about borrowing ~$10k of the federal direct student loans I've been offered in order to pay down the credit card debt. What should I be considering? [more inside]
I received a package of 6 toothpastes from Amway at home yesterday. I didn't place this order. I called the enclosed number immediately and got myself expunged from their database. I have no desire to be involved with Amway. The order was placed by someone else, using MY credit card info (with no PIN), and sent to my address. [more inside]
A few days ago my mom got a bill for a department store credit card, Dress Barn issued by Comenity bank, she opened up 5 years ago. She took advantage of the "get 20% off when opening a credit card with us" offers at the time. When the actual card came, it just sat unactivated in her filing cabinet. The card didn't have a visable expiration date on it. [more inside]
So, I pay my surreal tuition with loan money- $15,000 at a time. It dawned on me the other day that its dumb to just let that money slide by without cashing in on it somehow. I hatched a hairbrained scheme: Put the 15k on a credit card, cash in on rewards points / airline miles, then immediately pay it off with the loans. Two Q's below. [more inside]
Is there such a thing as a credit card that can only be used in person? My mom needs that, because she'll give it to any website that tells her to. [more inside]
I need some help prioritizing the repayment of my debt, which consists of 0% APR credit card debt and a mix of private and government student loans. [more inside]
Through a mixture of screwups and missed opportunities, I'm pretty sure my credit rating is either dismal or nonexistent. What's the best strategy to improve it? (Snowflake details inside.) [more inside]
I lost my wallet. So far no one has used any of the cards in it, but I really need to. Is there anyway to pay in-store with just the credit or debit card numbers? [more inside]
My credit cards have been sitting at close to 100% utilization for...a long time. Should I pay them off right now? Also, how will this change my life, credit-wise? [more inside]
So, my debit card number has now been "compromised" twice in as many months. How am I supposed to approach security with cards nowadays? [more inside]
A local business charged my credit card about $18 eight different times over the last three months without authorization, interspersed with another eight or so legitimate charges. After a month of back and forth over e-mail, they refused to explain, refund or reverse the charges, so I initiated a charge back. They got really angry, and now say they want all the money plus $25 per chargeback or they'll send the debt to collections and make reports to all the credit reporting agencies. What to do? [more inside]
Need credit or charge card for a small business that has outgrown its President's ability to cover its obligations. [more inside]
I'm starting what feels like my first "real" job soon, so it's time to straighten out my good but messy financial situation. Need advice on: credit cards, banks, brokerage accounts, & budgeting. [more inside]
Why does PayPal/Photobucket seem to insist on adding a credit card now? What if I have no credit card? What if I want no credit card? [more inside]