 A lot of people are saying credit card is evil and avoid it if you're a student but...? |
| isn't credit card needed to build credit score, which is needed in many aspects of life? For instance wouldn't a student with good credit score have a better chance of securing a job than ... |
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 Will having a high credit limit on my card increase my score? |
| i have a card with a limit of 2,000 and one with 500 pounds, im only 18. i really want to build a really good credit score for buying a house in a many years time. will asking my card issuers every ... |
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 I'm trying to rebuild my credit, just looking for "easy" to get credit cards, no secure ones. Thanks. |
| It's pretty much what I said, trying to rebuild, looking for credit cards that don't require much of a history and no secured ones. Thanks for any help or suggestions.... |
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 How do i establish credit in the USA? |
| having recently moved to the USA , how do I take out say a credit card or open a bank account here (in the USA). what do I need and does my credit from the UK affect any USA rating I may get.... |
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 Identity taken? please help, I think my neighbours have taken my son details and applied for credit!!!!!? |
| How can I find out if they have? I don't really want to pay, why should I? Can't really go into detail on here regarding my neighbours but this wouldn't be the first time they have ... |
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 How do i establish credit? |
| i have no credit and wanted to know how i would qualify for some type of credit card, i tried going to a bank credit union and they were having problems giving me an account since i had no credit, ... |
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 How much does a prepaid visa card cost? and how much can u put on it? |
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also is there a expreation date of the card???????... |
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 A debt of over 15 year old? |
| a debt agency says we owe money from 15 years ago! Can they still try and get the money back?... |
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 Victoria's Secret angel credit card? |
My girlfriend wants to get an angel credit card from Victoria's Secret. If she applies in store, will she be able to have it that day? How does the whole process work?
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 How can i build my credit? |
| I am young and have been trying to establish some type of good credit. Besides the normal- renting an apartment, buying a car, having bills in my name, making sure i pay on time, and applying for ... |
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 How much could someone actually do with a million dollars(like give examples!)? |
| It just doesn't seem like that much money to me. Someone asked on here, if someone offered you one million dollars would you stop watching television forever and I said no, even though I barely ... |
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 I have a credit score of 575? |
and i payed down half of my credit card. and payed off a collection do you think it should bring my score up by 5 or more points did this biginning of last month
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also ... |
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 I'm broke and I can't pay my credit card... what should I do? |
| My company closed and I'm out of job at the moment but it would take some time for me to recover financially. I can't pay my credit card. What should I do? Please help...... |
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 I have a very bad credit score and I need a loan,Does anyone know of Institutions that lend to people like me? |
| I don't have it because I don't pay creditors back, but because I just got divorce and my husband ruin both our credit. (why I am divorce) Anyhow, I am trying to rebuilt my credit, but I ... |
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 How many credit cards should I have? |
| I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what's d' ... |
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 Closing A Credit Card? |
| If you want to close a credit card will it affect your credit (will your credit score be low) b/c a want to close a Best Buy Credit Card and i dont want anything from them anymore i have other credit ... |
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Truth | Debit v. Credit Card - can u clairfy difference here? |
Ok this is what I'm confused about. When at the grocery store or gas pump I will use my bank's ATM checking card that has the visa logo. Aside from flexibility of having merchants widely accept visa why is the set up that way? Second question is when at the pump or store it asks for credit or debit after you slide your visa checking card. Why does it do this? I mean can't the machine tell its obviuously a debit card and the funds are coming from my checking acct? Why would it ask this and what impact would it have if I chose credit rather than debit when using my card. Someone help me! Thanks! |
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gpatrick900
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Some machines are set up this way. They let the consumer decide. Some credit cards can unofficially be run as a debit card but counts as a cash advance.
The reason is that some merchants let you decide. Some banks and merchants charge you if you run it as a pin transaction then as a signature transaction.
Just for info
U.S. debit cards that have a Visa or MasterCard symbol
Can be used at least two ways. A pin transaction you would select ATM/debit or a signature transaction you would select credit button than sign for your purchase. Either way it comes out of your account right away. |
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Kathie G
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It is set up that way for convenience. If you want the money to come from your checking account immediately, use the card as a debit card (it asks you on the screen, in most cases). If it was set up as a credit card/debit card, choosing credit would earn you a bill at the end of the month. If you chose credit and it wasn't set up for credit, it would be refused and you would have to begin again. |
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;)
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Debit comes straight out of your bank account. They are basically an ATM card that businesses take. Credit, you make payments on loaned money. |
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bijan816
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also credit card, you get reward, which debit does not give
------------------------------...
http://www.bestcreditrates.net |
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crazyscottsman38
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well debit you already have the money on the card and credit you borrow the money tell the end of the month |
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Gregory D
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Credit cards only require a signature without ID. Debit cards require your pin number for identification purposes and takes a moment longer to process because of it. Also businesses are charged a fee for credit and not debit. Although debit is a little longer process, most businesses will pick it when you tell them it doesn't matter because of the fee consumers are not aware of. |
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JEFF B
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One thing is if your debit card is stolen and used the money is gone. Where has a credit card it is not. You can dispute illegal charges. And it is the responsibility of the vendor to make sure who he is extending credit to. The odds of getting your money back are way better with a credit card. |
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B_G_PECK
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For some people, the Debit Card is the ONLY Card, because you must have money on deposit at the bank or Credit Union, or the transaction will be declined, however, if you have a savings acct with the signed agreement authorizing OVER-Draft protection then the transaction may clear(be paid), ! But, If you have Good or Fair credit history and agree to the terms a Credit Card may work for you, only because it DELAYS the payment until a later date to be PAID, (penalties incurred for MISUSE) ..! |
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sexytrojan
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Debit cards are free, always, from your bank. However, some merchants will charge you to use the debit card.
They are a direct link to your checking account, and you use them with a PIN. When you use your PIN, the money is immediately deducted.
If you go over the amount in your account, you will be charged overdraft fees by the bank...about $30 a pop.
Most debit cards have Master Card or Visa logos. You can purchase things by your signature, but again, you must have the money in your account for the transaction to go through. When you use your signature to make a purchase, the money comes out in 3 days. |
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Linda B
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You already know the difference between debit and credit...Your debit card says either Visa or MasterCard because some cards can be both, a debit and a credit card and you have a choice....If your card is only debit and you push credit, it will not be approved, and will be declined.....Hope this clears this up for you... |
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Pro challenger
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a debit comes from bank account.
credit send you a bill to pay |
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Custom83
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Ok.. So the ONLY difference between Credit and DEBIT is the channels its processed thru and how it authorizes on your account. Credit traditionally will offer you lower Authorization amounts (1 dollar to pump gas on credit is all holds versus the sometimes 100 as debit). You do not recieve ANY kind of loan or differed payment options for "credit" purchased on your Banks debit card linked to your bank account. It will just process out in a longer time. Credit gives you all the protections offered by Visa or Mastercard, tho (Mastercard offers buyer protections like extended warranties and the ability to contest charges for services you didn't deem to your standard.) Either way you choose the money will be taken out of your account within a very short amount of time and does NOTHING to build your credit or give you loans. |
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