I have discovered a vulnerability in an eCommerce platform which leaves sensitive and private customer data at risk. I reported this loophole to the developer, but their response has been underwhelming. What should I do? [more inside]
I have an emergency savings fund with at least 6 months of living expenses. It's almost exactly the same amount as my total debt (credit cards and student loans). I am really tempted to just get rid of it all in one fell swoop, but I'm not sure this is a good idea. I have a steady income and fairly predictable expenses (though anything could happen). No kids, spouse or house. [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 would like a wallet for credit/debit card. My imagined wallet has two key properties. A) It's small. Right now I use an elastic as my wallet. I wouldn't want to add much more bulk than that. B) Cards are somehow attached to their slots and can be used without detaching them. This could be either because they rotate out from the pile or (better) because they stick out. from the short end of the rectangle that is the pile. Does this exist? Where do I get it? [more inside]
My credit card did not charge me for the tip that I added on to the bill. Who got screwed - the restaurant or the waitress? [more inside]
I have three credit cards, and this is probably one too many. Help me figure out how to manage my credit card spend and maximize rewards. [more inside]
I recently fired a doctor because she doesn't take credit cards or insurance. Can anyone think of a legitimate reason for this? [more inside]
Large CC debt ignored for nearly a year, going to call all collectors tomorrow to try to get a payment plan. Tips? [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.
So let's say a, um, "friend" of mine has done something truly boneheaded: paid off THE WRONG CREDIT CARD. Instead of putting money towards the credit card he uses all the time and actually has a balance, he has instead paid off the credit card he never touches and had a balance of ZERO DOLLARS. So now I—ahem, I mean he—has one credit card with a huge credit and a credit card with a huge balance. Are there any downsides to simply paying off the primary credit card with the credit on the secondary credit card? [more inside]
I would like to reform my porn consumption habits, shut down my torrent client, and start paying for what I view. However, I'm worried about getting stuck with recurring charges. Are there best practices for getting single-charge subscriptions to adult websites and ensuring that I only get charged once? [more inside]
If a person is flat broke for a relatively short period of time (<10 days) but some expenses are unavoidable during that time,* is it better to raid a savings account or to use a credit card to pay for the expenses? Assume that the interest rate on the credit card is shamefully high, and that the savings account is very modest (<$500) but nonetheless a good morale booster and safety blanket. [more inside]
In summer 2016, we'd like to take a major trip to France, probably a month to three months. We have about 2.5 years to save up. What's the best credit card for accruing miles? (and any other tips you have for saving, besides sticking $20 in a jar every week…) [more inside]
So when I was in college I ran up a $700 credit card debt with Citibank visa. Then I didn't pay it. And for over a decade my credit was crap. But eventually I turned it around and have good credit again. So here's my question: I need to get a credit card for one of the biggest hotel chains as I stay there for business a bit. I'd like the benefits and points maximizing. Problem: the best card is run through citibank. Since my teenage folly I've changed my name but I still have the same SS#. Will applying today reactivate the debt with them?
I am bewildered by the fact that in 2014 my Chase credit card statements are so terse on transaction details. I have had fraud on my card multiple times in the past year, and it's often difficult to sort out the legitimate and the fraudulent transactions. In response to one fraudulent charge, however, Chase e-mailed me asking about the suspect charges. In addition to the abbreviated and cryptic sounding company name that is on my statement, they helpfully listed the non-abbreviated name, the time (rather than just the date), as well as the category (a taxi and limousine company). I would love such information on my credit card statements for all transactions. So two questions: 1) Do any of you have credit cards you are happy with that list details such as time, or category? Or phone number for the merchant? This question was spurred by a memory of a friend telling me his card listed such things. 2) Less importantly, but in case anyone wants to chime in, does anyone know why all cards don't give more detail? How hard can this be in 2014? Thanks in advance.
My understanding is that a stolen card or card number has a shelf life of a couple of days at most, before someone gets wise to the theft and cancels the number. The stories I'm reading suggest that these stolen numbers are good for quite a long time. The online stores that sell them even guarantee they're still good! Are the owners of the cards failing to notify the bank after realizing that their cards were used at Target during the period when all the numbers were stolen? Are the banks not scanning their files to find out which cards were used at Target during the period, and taking the initiative in canceling them?
The cash is in the account. (Free and clear, not waiting on holds to drop or checks to clear.) The Debit MasterCard is declined. I call Customer Service. The rep tells me that the account has exceeded the daily transaction limit. It’s 4pm on Monday. Special Snowflake details inside. The cash is in the account. The Debit MasterCard is declined. [more inside]
Lately I've been thinking I should apply for a few more credit cards in order to take advantage of points, cash back, and other bonuses. Assuming I am not currently in debt, I already own a home and don't foresee needing any loans in the near future, and assuming I pay my bill every month, is there a downside to doing this? [more inside]
I'd like to send my sister some money to use while she's traveling, and for practical reasons (I have to mail it, some airlines only take credit cards on board the plane, don't want her carrying around lots of cash), I'd like to send her a pre-paid Visa/Amex/whatever gift card that she can use as a credit card. But I've heard horror stories about them being difficult to use. Is there one that's worth getting? Note that it will be for short-term use, so I'm not too worried about recurring fees; I just want to make sure that she can actually use the card I send her for things like buying food and paying for cabs (assuming she is traveling to a magical land where cabs take credit cards). She's traveling within the US. I have a local grocery store with a huge gift card selection, but also would be OK with buying it online if I can have it shipped quickly.
I have a russian (.ru) domain name I registered through nic.ru. Since the last time I paid they changed their payment processor and none of my credit cards work with the new one. I've talked to them, they've talked to the processor, I've talked to my card companies, but I can't pay them. Do you pay for Russian domains or make credit card payments to Russia? How can I renew this domain? [more inside]
How can I arrange for the absolutely cheapest possible merchant fees when processing a credit card online? [more inside]
Is this the creepiest credit card hack ever? [more inside]
Should I take out a personal loan to consolidate my credit card debt? Does anyone have any experience with personal loans through Discover? [more inside]
Due to a family thing, I have received a one-time windfall, and I would like to pay off my credit cards, improve my credit, and buy a new car (getting a loan for most of it). I just want to know if it's good to keep a small balance or pay them off completely. [more inside]
I'm the director of a local road race that raises funds for our public school, and I'm looking for a reasonable online app that lets us solicit credit card donations via individual participant pages which would associate given donations with the participants who solicited them. [more inside]
Picked the worst enrollment offer for my credit card, how can I persuade the issuer to give me a break?
I was sent multiple versions of the same (or so I thought) credit card offer and accidentally applied to the one that charges interest from day one, instead of the one with 0% introductory APR for 12 months. I called customer service and got a boilerplate letter of refusal back. Now what? [more inside]
I need a new wallet. Caveat: I currently carry 47 paper/plastic gift cards, credit cards, etc., and need something that will hold them all. I do not want a long "mom wallet." [more inside]
Credit cards - which to keep open, which to close? [more inside]
Experiences with getting Square to raise card-not-present transaction limits? [more inside]
Already pre-approved for the amount I offered on a short sale. Is it okay to work on finances while I wait for short sale approval? [more inside]
Is there any way to accept credit cards via Square or similar WITHOUT having an expensive cell phone plan or shelling out lots of money? [more inside]
What options does our small UK business have for booking short notice travel when the credit limit on our business cards is fairly low? [more inside]
I have $25,000 of credit card debt, spread out evenly over 3 cards. My interest rates are 18% (on a card I've had for almost 20 years), 15% (on the card with the highest limit), and 13%. Which one of these should I keep to minimize my debt but maximize my credit score? [more inside]
So I'm considering applying for a new credit card for the sign-up promotion. I know this is generally not a great policy. but how bad of an idea is it really in terms of credit score? [more inside]
Which counts more positively to your credit score - fewer revolving accounts (credit cards) or a lower balance:available credit ratio? [more inside]
Settling with credit card company and dealing with debt collectors. Hey, my husband has not been able to work for a few years and we stopped paying on our credit card bills over a year ago. One of the companies is getting really aggressive (calling me at work, talking to the receptionist, etc.) so I feel that I need to take action. [more inside]
Applying for a mortgage soon (less than two months). Have close to $10k in credit card balance for reimbursable work expenses on cards. Always pay off at due date. Does it make sense to a) pay off balance to zero immediately? b) use other methods (debit card, corporate charge card) to pay for everything for next two months or c) both? Or is this too late to matter? [more inside]
How can an American expat get a credit card that isn't from a big bank? [more inside]
Good financial planners in central Virginia? [more inside]
I may be a little naïve, but in my perspective, my credit union seem to have been hiding charges from me for MONTHS, all when trying to pay of a credit card, which also hasn't happened. I want to go to my bank and ask for the amount from these charges back. How to do that, successfully? [more inside]
How can I shift over debt that's technically in my name to my mom (the actual debtor)? Small claims court? [more inside]
With my recent credit card statement, I also received an offer for 1.99% interest on my balance for new purchases made over the next 12 months starting September 1. Cash advances and transferring of balances from other credit cards are not included. Is this too good to be true? [more inside]
I have been unemployed for a long time, and I can no longer handle the minimum payment for my credit card. It's a Chase card, and my checking account is also Chase. If I stop paying my card, and hope to negotiate a lower interest rate (it's 29.9% and I haven't put a penny on the card in years, just keep paying off the interest month after month), can Chase somehow take money from (or otherwise harm) my checking account? [more inside]
Is there a way to make certain I am aware of my Capital One visa's bonus miles tie-ins? [more inside]
Now that my credit is superawesome spectacular, can I get rid of the shitty low-limit high-interest credit-building card I loathe? [more inside]
Will my bad credit affect my girlfriend's credit? [more inside]
Who offers a credit card without rewards? [more inside]
Mrs Supercres and I just came into some money (okay, she did) and used it to pay off our not-insignificant credit card debt in full (okay, mostly mine). Questions about credit scores, closing accounts, and moving forward are inside. [more inside]
I'm about to default on a lot of CC debt, how do I start rebuilding right away. [more inside]
Is the Fidelity Retirement Rewards card the right one for me? If not, which one is. [more inside]