 Will adding my son to my credit card impact my credit rating, even if he never uses the card? |
My son read that a way to improve his credit rating was
"Add Your Name to Someone Else’s Good Account.
Piggybacking off of someone else’s good credit is an easy way to improve ... |
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 I have a credit card question. My credit card is up to its limit and im making monthly payments to pay it off. |
| Is it a good idea to do a balance transfor to another credit card for lower intrest rates or does that just make it worst. Did anyone ever do a balace transfor? and does it help?... |
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 How do I get my Credit Score? |
I just recieved a personal credit file from Equifax, but it did not include my credit score. How do I go about getting that score?
I live in ... |
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 Why is the lost or stolen number written on the back of your bank/ credit card? |
For goodness sake!!!!
If you lose it you would never know what number to call anyway!!!!!!!!!!!!!!!!!!!.......
Egg's site impressed me though, first thing you see in the &... |
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 Does anyone know of a place that re consolidates private student loans without running your credit report? |
Additional Details
I have about 40k in student loans through Sallie Mae that I just recently brought current and the monthyly payments are $600 and my APR is 18.24% I need to do ... |
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 They put my account as "Charged off"....??..? |
| I have an outstanding balance with a creditor, I called one of debt releif organization. So I am making monthly payments. The collection agency put my account as "charged off". Are they ... |
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 New year and I want to start clearing my debt.. what are some good free debt management companies I can call? |
My debt amounts to about 4000GBP.
I want to start cleaning up my credit file and clearing debits.
I need a decent free debt management company that won't take any of my money in ... |
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 I need 2000 to bail my boyfriend out of jail but i dont have ne credit cards or bank account? |
Additional Details
ok i dont think it right that you ppl judge my boyfriend not one of you kno him or kno why he is in ther so i really dont think you should judge ... |
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 ING Direct, is it worthy?? |
| I am researchign ING, and see that the ing direct savings account accures 4% interest. Y is it so much higher than normal banks? I am 18 with no credit hostory ( dont kno if that metters), can I open ... |
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 I'm 19 years old, full time college student, thinking of getting a credit card. What should I look for?? |
| I do not currently have a part time job (but I do have money saved up). I wanted a card that will give me points and/or rewards. Any suggestions on where to look? Should I even get one?... |
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| Will my bad credit be renewed when I get married? |
| I live in Texas and because of a hospital bill my credit is bad (the bill is only $35) We want to get married and buy a house and a car and all that good stuff. He has no credit will we be able to do ... |
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 Considering a personal loan...? |
If I was to take a small personal loan (less than £500), how long does the whole process take. Would I have the funds within a month for an overseas trip?
Thank you!!... |
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 Where can I go to "watch" my credit (I don't care if I have to pay for it.)? |
I would prefer to have a place where I can do a trial period.
I ALREADY tried PRIVACY 1-2-3 and FREECREDITREPORT.COM. I can NOT get another free trial though them, but there has to be ... |
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 Does going over your limit due to interest hurt you? |
| My question is as follows. I have a credit card and for the past 2 months when the interest payment hits it sends me over my limit. Will this hurt my credit score?... |
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truly_yours | Can a merchant keep a printed copy of my credit card? |
Just wanted to ask if a merchant/travel agent is legally allowed to copy my driver's license and the credit card and keep? I recently did a large transacation of about a thousand dollars with a travel agent. After processing the payment, the agent took a copy of my driver's license and credit card with him. I was wondering if its legally allowed to do so? I was concerned he may post a transaction maybe an year later on my card, and I may be too busy to notice it. Is it all possible?
Additional Details
i guess....one concern i had is .. what if he tries to sneak in a transaction of say $15.93 next year in October...and then maybe $7.93 in December...I know we all get bills and can check it...but such "innocent" transactions can get entirely unnoticed and I may end up paying for them. Is the above possible? |
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Jason Bordeaux
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The reason they do this is to protect themselves from a "chargeback". A chargeback is a disputed charge that a merchant is often forced to refund to the cardholder if they do not have the proper documentation to prove that the cardholder actually made and understood the terms of the purchase. In the travel industry, there is an especially high level of chargebacks because folks purchase nonrefundable travel packages and then can't make the trip - then they lie, cheat and steal to get their money back. Travel agents also can't control fulfillment issues by airlines, hotels, etc. so it is VERY difficult for them to even get a merchant account. By photocopying your drivers license and credit card, they will more likely be able to prove that you were present at the time of the transaction if you dispute the charge. This is a relatively common practice.
Your risk here isn't significantly greater than it is with most credit card purchases as long as they didn't store your CVV code on the back of your card. Many businesses store your credit card # on their POS systems and many thermal credit card terminals have your full credit card number on the merchant copy and only truncate the numbers on the cardholder copy. You're always at risk of being the victim of fraud and that is why it is so important to regularly monitor your statements. I actually do it online in the middle of the month to assure that no mystery charges turn up.
Also, if you're not aware of how easily your credit card info can be stolen, check out the link below. It usually happens in places where you aren't worried about it! |
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Amanda H
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I wouldn't worry about it. Before they started the credit card machiens the way they are today, they used to take "imprints" of the card-- which showed expiration dates & full CC numbers. Nowadays your receipt often has all 16 digits. |
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NONAME
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you would notice it if he charged it again. He has to keep it on file for 5 yrs - or at least that is how long i have to keep them |
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logan
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They can do this although I do not like it myself. As long as they do not have the cvc number, then you should be ok. I would suggest call your credit card company and tell them of your concerns. Also I would talk to the owner or manager of the travel agancy about this and ask specifically why they did that. Fraud abounds greatly and the person who took your card may in fact be up to something. You are very wise to be concerned. |
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▒GO FLAMЄS▒
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Actually they can...remember those pizza delivery guys,,thats what they do...right...
Dont worry if anything happens ...your credit card company will reimbuse you... |
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STEVEN F
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There are actually situations where they are REQUIRED to keep that type of record. Given that the transaction was with a travel agent, I would not be surprised if this is one of those situations. |
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kurticus1024
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you are being paranoid
if you are too busy to miss a $1000 transaction, then it doesn't really matter to you, does it?
just read the bill when it arrives and make sure you really bought that stuff
if not, dispute it. |
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RUAQT?
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Normally you should be able to destroy those. |
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Nabo's Woman
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I don't know, but it sounds fishy to me. Why would they need copies? |
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Keyser S
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You may want to contact your bank, I worked at several hotels and up until last year, we made/kept imprint (ink stamps) of guests' credit cards. We also did the same thing with cash paying guests' ID/Driver License. We were told it is now illegal to do and don't do it anymore. But since you were working with such a large amount of money, you may want to investigate this further with your financial institution. |
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◄☯♫ vanitee of vanitees ♫☯►
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i doubt it...
the only record he needs would be on the system that you paid through from the card...
it is true that he can use it....
please never do this again |
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Larisa
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id on't think they can do that. |
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