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Anonymous (17)

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

If you give family a dollar, they'll take a few thousand

How can I shift over debt that's technically in my name to my mom (the actual debtor)? Small claims court? [more inside]
posted by never nice on Oct 11, 2011 - 18 answers

It’s a (credit) trap!?!

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]
posted by Razzle Bathbone on Aug 22, 2011 - 17 answers

Capitalism Getting Me Down Low

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]
posted by asimplemouse on Aug 19, 2011 - 15 answers

Don't wanna miss those miles

Is there a way to make certain I am aware of my Capital One visa's bonus miles tie-ins? [more inside]
posted by BleachBypass on Aug 3, 2011 - 0 answers

Yet another credit card question.

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]
posted by elizardbits on Jul 28, 2011 - 17 answers

Will my bad credit affect my girlfriend's credit?

Will my bad credit affect my girlfriend's credit? [more inside]
posted by anonymous on Mar 29, 2011 - 8 answers

Consumer bennies are only good for the consumer if you are a good consumer.

Who offers a credit card without rewards? [more inside]
posted by 10ch on Feb 3, 2011 - 17 answers

Out of debt. Now what?

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]
posted by supercres on Jan 15, 2011 - 22 answers

$20,000 in CC defaults: starting over

I'm about to default on a lot of CC debt, how do I start rebuilding right away. [more inside]
posted by anonymous on Dec 10, 2010 - 14 answers

Riddle me this. Credit card style.

Is the Fidelity Retirement Rewards card the right one for me? If not, which one is. [more inside]
posted by anonymous on Dec 4, 2010 - 2 answers

How to cancel old and busted credit cards?

Yet another credit card question...now that the credit is good, how do I ditch the old ones without damaging the good score? [more inside]
posted by Thistledown on Nov 9, 2010 - 10 answers

Pay down credit cards or save money?

My parents are loaning us $10,000. Should we save it or use it to pay down credit cards? [more inside]
posted by fantoche on Oct 1, 2010 - 42 answers

I need a new provider of virtual credit cards

Since Paypal is shutting down their virtual credit card number feature I would like to find a different provider, but I dont want to apply for a new credit card. [more inside]
posted by digividal on Aug 13, 2010 - 10 answers

How did you get out of debt?

What are your success stories for getting out of credit card debt? [more inside]
posted by anonymous on May 20, 2010 - 25 answers

Help me stop digging deeper into credit card debt.

I want to stop using my credit card, but I have one regular (2 or 3 times monthly) expense that I need it for. Help me figure out the best strategy for covering that expense without the card. [more inside]
posted by ocherdraco on Apr 10, 2010 - 12 answers

Country song in reverse: you get your car back, you get your wife back, you get your dog back...

[DivorceFilter] How do you go about revising the financial terms of a divorce agreement, particularly when both parties are now in a different state than the one in which the divorce took place? [more inside]
posted by sheena is a sock puppet on Mar 16, 2010 - 6 answers

Is it safe to email credit card info?

Is it safe to send credit card info by email to Asia? The intended recipient is totally trustworthy; it's hackers I'm worried about.
posted by yarly on Jan 27, 2010 - 22 answers

How do I properly mix a personal credit card with a business bank account?

How do I log the use of a personal credit card for my business so as not to confuse the heck out of my accountant, come tax time? (Canada) [more inside]
posted by Imperfect on Jan 21, 2010 - 13 answers

Give me money to fly to my honey

Best credit cards to earn travel reward points within the US so I can visit my beloved frequently? [more inside]
posted by mlo on Jan 10, 2010 - 11 answers

How to build credit from ZERO when you're 24?

I'm 24 and have (apparently) no credit history. Nothing on it. Nada. I'm trying to get some kind of credit to start building up some credit history, but I keep getting turned down for cards. How can I build credit when it seems like nothing I do is being reported to credit bureaus? [more inside]
posted by raygan on Dec 8, 2009 - 44 answers

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