 I want to know can you get visa check card with bad credit? |
| without being member at a bank.thank you everyone who anwer this question and only legimtae secure sites no scam ... |
|
 Cant get approved for a credit card!? |
Ok, im 18-
and looking to get some credit here.
I will pay on the card, the TOTAL balance, every month. I mean
im just gong to put gas on it .. or food, ya know. Well anyways.
... |
|
 Debt Consolidation...? |
| Does anyone have any advice on debt consolidation? I want to learn everything I can about it before I take the leap to do it, what are the best companies, pros and cons...stuff like that. I haven�... |
|
 Can a visa gift card.........? |
| can you use a visa gift card to book a hotel?... |
|
 If I lied about my age and recieved a credit card when I was 16 am i responsible for paying them? |
| I applied for 2 credit cards in my name when I was 16 and of course I didnt realiize what a pain it is to pay on credit cards. I had a bank of america and Dell credit card. I used it for college but ... |
|
 Is borrower slave to the lender like the Bible says? |
Additional Details
If anyone figures out what Duane is talking about, let me know.... |
|
 If someone knows they're going to die, what's wrong with them charging up their credit cards...? |
and then giving everything away to people they love, with no intent of paying back the greedy credit card companies?
Additional Details
I should have clarified--I don't believe in G... |
|
 So how do I get a credit card ? (read details)? |
I applied for a Visa Credit card... It was declined...
The reason given to me was that I don't have credit. (not that I have bad credit, I basically have no credit rating, thats why I ... |
|
 Credit report information? |
| Okay, I checked my credit report today after about 6 months of hearing the same deal before - I only have a couple of open accounts but I've never been late or gone over my limits on any. My ... |
|
 My credit card got overpaid and I need to get my money back? |
| By some clerical error one of my credit cards got overpaid by a thousand dollars! I ended up way overdrawn on my account because of this and my bank is assessing me a lot of fees, plus my other bills ... |
|
 I have bad credit what should i do? |
| I have some medical bills that i cannot afford to pay...not even a minimum payment on most of them...but i would really like to build my credit...is there a more strategic way to pay them off? or ... |
|
 Do you need to get paypal plus credit card to buy things online? |
do you have to sign up for pay-pal plus credit card to buy things online? or can you just sign up and buy things already?
Additional Details
do you have to sign up for pay-pal plus ... |
|
 How do I send a message to the people in India on how banks cheat the common eople? |
Like to share something that happened to me today, I went to Icici atm to withdraw some cash I was astonished to learn that the balance was nil.
Icici bank had taken the whole balance from my ... |
|
 Is it wise for me to get another credit card? |
| I'm a 23 year old college student. I currently have one card with a limit of $3000 and a balance of about $500 (which I am paying $100 every month to pay off). My aunt mentioned that I might ... |
|
 What Credit cards should I close to maximize my score? |
I just paid off all of my credit cards and now I'm left with the following cards all with zero balances (I know it's a lot, sorry):
Card Date Opened C... |
|
|  |
Laura | Can I use my debit card as "credit" when there's a positive balance in my bank account, but not enough to... |
cover what I need to get? In other words, will it be approved by the credit card reader (I know I can't push "debit" because that's automatically posted) as long as there's a positive balance, and then I can put the money in later? Or will it deny me? :(
Additional Details
I need groceries and it's a few days before payday... sometimes these things happen. (I have no credit cards, by the way. I know they're evil.)
Yes, I know I'm running the risk of getting charged $32 in an overdraft fee, but when your kid needs food... it's worth it, right? I just want to know if, since there is a positive balance, it will go through. (Or, should I just write a check?) |
 |
 
OC1999
|
IF it goes through your bank will charge you an overdraft fee. This all depends if they allow it or not. Most of the times they do in what they say is a "convenience" to the customer. And while it is a convenience, it is also a big money maker for them. If you do this be sure to do it in one purchase and not multiple. Because every transaction that occurs while you are overdrawn will incurr the overdraft fee. So it would be better to do 1 transaction for $100 than 2 transactions for $50 each.
BTW it is not true that when you do credit it is never posted right away. It depends on the merchant you are shopping at, and how they process the payments. Some do it "offline" or in "batch" mode and they don't get posted for a day. But most are "real time", especially your major chain stores. |
|
chris
 |
no..If it goes through you will be charged overdraft fees by your bank. If you must do this, I advise getting a separate credit card. But as you know it's not good to carry a balance on a credit card due to the high interest it charges you. |
|
Ari
 |
There is a chance that it will still post (or attempt to post) right away, even if you try to put it through as credit. It depends on the grocery store's credit network. Remember-whenever you make a transaction with a credit card (or a debit card as 'credit') the system should ping your account to authorize the amount of the transaction. It then puts a hold on those funds in your account until the transaction clears. It may approve the transaction and put your account under, or it may deny it altogether. Really the only way to know is to try and see. |
|
luisamapacha
|
Sometimes the credit charges go through right away, too. I guess take your chances. |
|
Sami
 |
it will most likley deny you because if its a debit card, it will still come out of ur checking account if u use it as credit. its not that kind of "credit card" |
|
JL03
|
it depends on who you bank with. if you charge something to your account using debit from the store, it won't post for at least 2 days. by the time it posts, your check should have cleared by then and you will have enough for it to clear (with most banks anyway)...i do this all the time. |
|
mikey
|
It depends on the issuing bank and whether you also have a savings acct w/ them and have overdraft protection. Some banks' debit cards can only be used to the limit of funds immediately available in checking. If you don't have other accts in the same bank, the likelihood is that the store will reject the purchase. |
|
schmidtee
 |
It won't deny you but oh oh oh the fees that come afterwards because you've gone over are not worth whatever it is that you really want. My advice? Only spend what you have, never buy what you can't afford. |
|
$m¤¤v¥ £¤¢¤
|
Well, I definitely understand your situation, and the irony is that this would be the ideal time for a credit card. When it's absolutely necessary. Just to clarify something, credit cards are like guns in a sense, they do not cause harm by themselves, only if they happen to fall in the wrong hands. You don't have to use them all the time, but it's good to have them when you NEED them in an emergency. Having said that, on to your question...
Any way you slice it, you're going to run into problems whether you use "credit" or "debit" or your debit card or if you write a check. Reason being is that if you press "debit" you will be declined for anything else higher than what's available, and if you press "credit" the same thing will happen. The main difference between pressing the credit and debit button for debit cards is that your PIN is required and the funds come out immediately as opposed to pushing the credit button and signing the receipt. Depending on your bank, the funds can come out immediately as well. And writing a check may not be a good idea because with the way that the check processing system has changed, now a check can come out just as immediate as if you used your debit card. I know that it sucks to hear this, but I just wanted to give you a heads up to save you any potential embarassment at the grocery store. My suggestion would be to check your balance before you go, and get what you can with that. Maybe with the information that I've given may make you reconsider credit cards. |
|
Jeff
|
You will either pay the overdraft fee, or you will have the embarassment of having your card get declined. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 3 minutes(s) ago
| | | |
10 | 38 minutes(s) ago
| | | |
10 | 1 hour(s) ago
| | | |
10 | 6 hour(s) ago
| | | |
10 | 9 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 1 week(s) ago
| | | |
10 | 2 week(s) ago
| | | |
10 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
