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US credit score shenanigans

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]
posted by Ashlyth on Sep 15, 2014 - 7 answers

Can I get a credit card, as a PhD student; and if so, which one?

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]
posted by ClaireBear on Sep 4, 2014 - 15 answers

Automatic payment for your bills: What's the catch!?

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]
posted by fizzix on Aug 14, 2014 - 22 answers

Temporary European banking

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]
posted by rustcellar on Jul 24, 2014 - 14 answers

Help me think through getting my very first credit card

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]
posted by tapir-whorf on Jun 30, 2014 - 18 answers

How to update my accounts quickly with less tedium?

Credit card stolen -- How to update my accounts quickly with less tedium? [more inside]
posted by bmosher on Jun 17, 2014 - 1 answer

How is non-stolen offline credit card fraud possible?

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.
posted by pockimidget on Jun 10, 2014 - 17 answers

Multiple NSF charges for one payment

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]
posted by mysterious_stranger on May 21, 2014 - 7 answers

Cabbing it in Jersey without cash

I have a business partner flying into Newark who wants to know if she needs cash for a cab. [more inside]
posted by ovenmitt on Apr 30, 2014 - 8 answers

Is your credit card cool?

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!
posted by ersatzkat on Mar 28, 2014 - 29 answers

Should I reject my credit card's mandatory arbitration clause?

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.
posted by ecmendenhall on Jan 11, 2014 - 7 answers

You give my website money, my website gives you the file you need

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]
posted by rockindata on Nov 20, 2013 - 13 answers

This is just a crazy, crazy coincidence, right?

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]
posted by looli on Nov 18, 2013 - 4 answers

Cancel my credit card?

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.
posted by holdenjordahl on Nov 15, 2013 - 28 answers

What's your favorite credit card?

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]
posted by bluelight on Oct 1, 2013 - 26 answers

Fundraising site - donor can pay processing fee?

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?
posted by divabat on Sep 7, 2013 - 8 answers

Using student loans to pay credit card debt, grad school edition

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]
posted by anonymous on Jul 30, 2013 - 13 answers

Can someone explain this scam to me?

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]
posted by DigDoug on Jul 27, 2013 - 16 answers

Credit card fraud but card was never activated, is this even possible?

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]
posted by glenno86 on Jul 9, 2013 - 10 answers

I want to put my tuition on a credit card and then pay it off.

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]
posted by GilloD on Jun 24, 2013 - 25 answers

My mom can't stop buying anti-virus software.

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]
posted by justkevin on May 29, 2013 - 24 answers

How do I prioritize my credit card and private/public student loan debt?

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]
posted by iamisaid on May 3, 2013 - 9 answers

Best strategy to improve credit rating

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]
posted by littlegreen on Apr 28, 2013 - 7 answers

Help me steal money from myself

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]
posted by raeka on Apr 18, 2013 - 22 answers

My $1500 albatross.

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]
posted by anonymous on Mar 27, 2013 - 29 answers

Help me with debit card security

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]
posted by selfnoise on Mar 11, 2013 - 19 answers

What to do about merchant sending bogus charges to debt collection?

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]
posted by skewed on Feb 28, 2013 - 15 answers

Credit card for small business

Need credit or charge card for a small business that has outgrown its President's ability to cover its obligations. [more inside]
posted by Protocols of the Elders of Sockpuppetry on Feb 27, 2013 - 9 answers

Now that I'm an adult (ha), how do I bank, invest, & budget?

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]
posted by acidic on Feb 16, 2013 - 4 answers

Why does PayPal and/or Photobucket want a credit card?

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]
posted by MinusCelsius on Feb 11, 2013 - 12 answers

Please help me navigate the world of 0% cards!

I want to transfer some of my credit card debt to a zero percent card. But which card? And how much? And is this really a good idea? [more inside]
posted by ablazingsaddle on Jan 7, 2013 - 21 answers

PayPal as terminal

Is there a way to use PayPal to set up your computer as a way to accept credit cards in person at a fundraising event? [more inside]
posted by tomcochrane on Dec 21, 2012 - 14 answers

To be honest, I'll probably max it out on a new computer first

I need a credit card for my job. Considering my situation, what are some of the best options (in terms of credit limit and benefits) right now? [more inside]
posted by WhitenoisE on Dec 11, 2012 - 16 answers

How can I fix my credit report if I don't know what's wrong?

I was turned down for a new credit card. The issuer said I can clean up my credit report and re-apply, but I don't know exactly what the problem is. [more inside]
posted by Boxenmacher on Oct 22, 2012 - 8 answers

Metafilter: How do I credit card?

This is embarrassing: I'm 25. I don't know the first thing about credit cards and building credit. I do not have a credit card, and therefore, no credit. Where do I even start? [more inside]
posted by anonymous on Oct 12, 2012 - 38 answers

What's the credit card for me?

Should I switch from the HSBC Premier World Mastercard to the Amazon Visa? If not, which credit card will let me save the most money rather than be rewarded for spending more? [more inside]
posted by A god with hooves, a god with horns on Oct 11, 2012 - 9 answers

Guidelines for a credit card limit?

Is there a rule of thumb or guidelines for selecting a credit card limit? [more inside]
posted by Forktine on Sep 9, 2012 - 7 answers

Surely sleep-driving is not the explanation...

Weird credit card charge..can you help? [more inside]
posted by sunshine37 on Aug 31, 2012 - 12 answers

To switch or not to switch?

Thinking of leaving one of the larger banks for either a community bank or credit union. The problem? My only two credit cards are also through the bank I'm considering leaving. What to do? [more inside]
posted by po822000 on Aug 21, 2012 - 12 answers

What is the legality of cloning a credit card that I own?

What is the legality of cloning a credit card that I own? [more inside]
posted by -1 on Aug 13, 2012 - 22 answers

Are there other services like Dwolla that allow charging of a "facilitator fee"?

Are there other services like Dwolla that allow charging of a "facilitator fee"? [more inside]
posted by thetruthisjustalie on Jul 14, 2012 - 1 answer

Did I order from a scam website and what do I do about it?

I think I ordered a wallet from a scam website. Help me determine if it's a scam, and what to do about it. [more inside]
posted by Marit on Jul 2, 2012 - 8 answers

Best credit card for a grad student?

Starting grad school in August. It seems about time I got a credit card. Advice? [more inside]
posted by pdq on Jun 17, 2012 - 15 answers

Who should I notify about a data breach?

I just discovered a huge amount of sensitive data (Scanned credit cards / Driver's Licenses) on an unsecured Wi-Fi network. Who should I notify? [more inside]
posted by ninepin on Jun 8, 2012 - 16 answers

You want I should get *another* credit card?

I have a good credit score according to creditkarma.com, have just a handful of credit cards that I pay off monthly, and am otherwise an upstanding citizen (j/k). According to their credit simulator, if I get a new credit card with a credit limit of at least $5-10k, that'll increase my score enough to boost me into the next level. I'm looking to refinance my mortgage, so I'm wondering if this will actually work. None of my research has given this as a fast/easy way to raise credit scores (for someone who already has a few credit cards, that is), so that's why I'm asking. (FWIW, I'm very frugal and disciplined, and I'm not at all concerned that I'm going to go on a wild shopping spree. The only reason to get the card would be to increase my score.) [more inside]
posted by edjusted on May 30, 2012 - 9 answers

Why do banks distrust a 27-year-old with no credit history?

Is lack of credit regarded as a risk only for older people? And if so, why? [more inside]
posted by jackbishop on May 6, 2012 - 8 answers

Querying a credit card statement

Confusing credit card statement. Is it possible for my credit card company to have made a mistake? What should I expect when I call them to clarify? [more inside]
posted by Ziggy500 on May 4, 2012 - 9 answers

My fiancee and I are buying a house in the next few months, and could use some advice.

My fiancee and I are buying a house in the next few months. We're looking for some financial guidance regarding some tricky judgement calls I have to make in short order. Thanks for any help! [more inside]
posted by amcm on Apr 30, 2012 - 29 answers

How do non-profits deal with fraudulent donations?

I'm the volunteer web developer for a local non-profit and we're having a problem with our donation page. It's the problem described in this article and this article - what's happening is that credit card thieves are using our donation page to validate stolen credit cards. [more inside]
posted by exhilaration on Apr 19, 2012 - 9 answers

Credit card fraud - how to act?

My SO was victim of credit card fraud - what now? [more inside]
posted by TheGoodBlood on Mar 15, 2012 - 20 answers

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