148 posts tagged with creditcards.
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Balance Transferring on a 0% APR Card

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]
posted by codacorolla on Sep 6, 2016 - 12 answers

Square Clash

I have used Square Cash for a few years with a debit/credit card from my credit union (a Visa.) Recently, I received a new debit/credit card (Visa with a chip in it.) I've been able to use the card at retailers, including on Square terminals, but sending money through Square Cash with it keeps failing. Why? [more inside]
posted by michaelh on Jun 23, 2016 - 3 answers

Can I get my credit card to lower my APR?

I have a credit card that I've been paying off for the last three years and have not been making any new purchases on because of the high APR (19.9%). Every year they have increased my total credit limit, which is now at $17,500. I have a balance of $1600 on the card (which I plan on paying off completely with my tax return). My FICO credit score is 762. I'm planning on calling them to try and negotiate a lower APR but I had a few questions I was hoping you could help me with. [more inside]
posted by anonymous on Feb 18, 2016 - 10 answers

moving debt around on credit cards

I have 3 credit cards and am trying to determine the best decision to arrange my funds to accumulate minimum interest. Bringing up my so-so credit score would be a bonus. [more inside]
posted by anonymous on Jan 15, 2016 - 12 answers

How do not-your-bank credit cards work?

I have had two credit cards for years, but both have been with my bank (Chase). I am interested in a Citi rewards card. How does that work, payments-wise? Do I have to open up a bank account at Citi? Can I pay it via Chase bill pay? Can I do auto pay via my Chase checking account? How do I get the Citi rewards out? These are surprisingly difficult questions to google and if it will be a hassle to go outside my bank I'll just not get the new card. [more inside]
posted by vegartanipla on Dec 18, 2015 - 13 answers

Could my credit card company dump me for too many disputed charges?

I'm really happy with my Capital One credit card that I've had for about 9 years now. Over the past few years, I've discovered that I also really, really like how easy it is to file a dispute over charges for things, like defective items that merchants won't refund or monthly subscription fees that went through despite having being cancelled. However, I feel like maybe I use this feature more than most people. Could I lose my beloved card if Capital One things I'm too big of a PITA? [more inside]
posted by the thorn bushes have roses on Oct 14, 2015 - 15 answers

Is Square stalking me?

I made an in-person (not online) purchase yesterday from a vendor I had never used before using my personal credit card on a Square. I did not request that an e-mail receipt be sent to me, nor did the vendor. Yet, an e-mail receipt was sent by Square to my work email address. How would Square have this address? Why would they send it to my work email without me requesting it? Are they stalking me? [more inside]
posted by Toddles on Aug 11, 2015 - 11 answers

Learning how to hack travel points

I'm trying to get into the game of earning and using travel points see more of the word. I have a question on churning and earning and need any other hints [more inside]
posted by femmme on Aug 7, 2015 - 10 answers

Please explain credit cards to me the way you would to your teen

I am in my late twenties and beginning to realize I don't understand how credit cards work and that they kind of matter. [more inside]
posted by Otis the Lion on Aug 1, 2015 - 25 answers

What is the best replacement for the Costco American Express card?

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.
posted by bq on Jul 30, 2015 - 13 answers

Discovered vulnerability in eCommerce platform

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]
posted by anonymous on Jun 3, 2015 - 6 answers

Should I pay off all my debt in one fell swoop?

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]
posted by desjardins on Jun 2, 2015 - 35 answers

Best credit card for traveling outside of the U.S.

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!
posted by Conrad Cornelius o'Donald o'Dell on Apr 6, 2015 - 25 answers

Wallet that will let me use my credit/debit cards without removing them

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]
posted by If only I had a penguin... on Mar 5, 2015 - 20 answers

Restaurant insiders - who did I cheat?

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]
posted by susandennis on Dec 6, 2014 - 16 answers

Maximize! my credit card spend

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]
posted by so much modern time on Sep 26, 2014 - 11 answers

Why would a physician refuse to accept credit cards?

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]
posted by Violet Hour on Aug 15, 2014 - 45 answers

Credit card debt not paid on in a year, repayment plan options?

Large CC debt ignored for nearly a year, going to call all collectors tomorrow to try to get a payment plan. Tips? [more inside]
posted by anonymous on Jul 23, 2014 - 10 answers

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

Pay off one credit card bill with another credit card?

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]
posted by chrominance on May 24, 2014 - 7 answers

Best practices for buying porn online

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]
posted by The Grand Old Duke of York on Mar 21, 2014 - 4 answers

Savings vs. debt for short-term gap-stopping

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]
posted by magdalemon on Mar 19, 2014 - 28 answers

What's the best credit card for saving for a trip to France?

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]
posted by Ollie on Mar 8, 2014 - 14 answers

Applying for a credit card with bank I stiffed 20 years ago.

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?
posted by rileyray3000 on Feb 10, 2014 - 13 answers

Are there credit cards that list more detail on each transacton?

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.
posted by User7 on Jan 4, 2014 - 14 answers

How can they still be selling credit card numbers stolen from Target?

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?
posted by markcmyers on Dec 31, 2013 - 19 answers

Limit on the NUMBER of Debit Card transactions per day?

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]
posted by RevRob330 on Aug 26, 2013 - 17 answers

Is there a reason I shouldn't apply for/get a few more credit cards?

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]
posted by bondcliff on Aug 20, 2013 - 14 answers

Which is the best credit card-branded gift card?

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.
posted by rhiannonstone on Jul 29, 2013 - 12 answers

Renewing My Russian Domain Name

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]
posted by 23 on Jul 5, 2013 - 2 answers

Absolutely cheapest merchant fees?

How can I arrange for the absolutely cheapest possible merchant fees when processing a credit card online? [more inside]
posted by jsturgill on Jun 26, 2013 - 15 answers

Is this the creepiest credit card hack ever?

Is this the creepiest credit card hack ever? [more inside]
posted by knmr76 on May 13, 2013 - 13 answers

Convince me not to get a personal loan to pay off my credit cards.

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]
posted by royalsong on Mar 26, 2013 - 29 answers

Should I pay my credit cards off completely, or keep a small balance?

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]
posted by marble on Feb 21, 2013 - 20 answers

Good web app allowing fundraising participants to accept credit cards?

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]
posted by delfuego on Jan 20, 2013 - 6 answers

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]
posted by ziggly on Jan 6, 2013 - 5 answers

Wallet recommendations for the extra cardy.

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]
posted by jabes on Nov 26, 2012 - 18 answers

Close these credit cards?

Credit cards - which to keep open, which to close? [more inside]
posted by sunshine37 on Oct 24, 2012 - 10 answers

Square deposit limits

Experiences with getting Square to raise card-not-present transaction limits? [more inside]
posted by Salvatorparadise on Sep 25, 2012 - 1 answer

Waiting for short sale approval - time to clean up finances?

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]
posted by ginagina on Sep 8, 2012 - 1 answer

Accepting credit cards when you are broke

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]
posted by threeturtles on Aug 27, 2012 - 18 answers

Traveling for business with low credit card limit?

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]
posted by nangua on Jul 10, 2012 - 9 answers

Which credit card should I keep?

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]
posted by anonymous on Jun 4, 2012 - 8 answers

I know credit card companies are smart, but can I be smarter?

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]
posted by geegollygosh on May 1, 2012 - 6 answers

Which will help my credit score more

Which counts more positively to your credit score - fewer revolving accounts (credit cards) or a lower balance:available credit ratio? [more inside]
posted by Lt. Bunny Wigglesworth on Mar 11, 2012 - 4 answers

Hope me dig out of this hole!

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]
posted by anonymous on Feb 3, 2012 - 13 answers

Mortgage soon, wipe out credit cards?

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]
posted by sandmanwv on Feb 2, 2012 - 7 answers

Getting a US credit card as an expat

How can an American expat get a credit card that isn't from a big bank? [more inside]
posted by Philosopher Dirtbike on Jan 14, 2012 - 9 answers

Financial planners in central Virginia?

Good financial planners in central Virginia? [more inside]
posted by anonymous on Dec 28, 2011 - 3 answers

I can't pay my credit card bill with a wire transfer. And I just found the hidden charges...

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]
posted by alex_skazat on Oct 23, 2011 - 15 answers

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