 Someone stole my credit card and charged almost $200 last week...I know who did it, what are my options?!?!?!? |
| I'm really pissed off. I know who they are and where they live. I want to know what are my options... Like can I sue them or press charged with the police...etc... This was really mean and ... |
|
 Collection agencys? |
| do you think collection agencys are allowed to call you at work and demand payment over the phone?... |
|
 Paid online surveys? |
ok well i'm thinking about starting to do paid online surveys. are there any legit payed surveys out there. would you please list them.
also if you have ever tried anything like this ... |
|
 Should I purchase a Home now or wait and approve my credit score? |
| I applied for a home loan and was approved, but was given a rate of 10% that I know is very high. My credit score was a 600. Should I clear out some things in my credit and boost my score and try ... |
|
 Cheapest no fee credit card? |
| i owe £4000 i want to transfer my cards to interest free card but they all ask for a2% fee is there any cards out there thet dont charge a fee cheers ... |
|
 If you have a credit card, and haven't used it in a year should you close the account, or keep it open? |
| I was wondering about this question because alot of people said that you should close an account if you are not using it, or at least close the credit accounts that have annual fees. Also other ... |
|
 Can someone get jailed for not paying his credit card debts? |
| How big is the amount before the bank can sue a creditor? I hope the answers have legal basis. Thank you.... |
|
 My friend may not be able to pay about $25,000.00 in Visa bills. He has no property, what can they do to him? |
| All he has is a small pension and social security...No car, no house, no stocks.. but he is very worried.. What can they do to him? He lives with his daughter but has no property. He is over 88 years ... |
|
 I want to sue a creditor. does anyone know where i may possibly find some legal help in California? |
| i signed up for a cingular phone. I signed 2 contracts. one with the dealer and one with cingular. the dealer's, MSWireless, contract stated that if i were to cancel within 6 month i would be ... |
|
 What happens if I let my credit card go to Default? |
| I can't afford to make the repayments at the moment.... |
|
| I need money advice.....not judgement? |
| okay...so i totally messed my finaces like an idiot. I have horrible credit and cannot get a loan and have noone to borrow money from and nothing to sell. I need a grand ASAP. Any ideas?... |
|
 Do you think Credit equals wealth? |
I see tons of questions in this category which pertain to a TOTAL obsession over credit scores, cleaning up ones score, improving scores and the like.
PEOPLE: The use of credit, especially ... |
|
 I only payed half of my credit card payment? They raised my minuminum payment..how can i get it to go down.? |
| I am a college student and working a part time job with 300 dollars a month and i missed a payment and my card went over the limit. They raised mt min payment to 67 dollars. What can i do to get it ... |
|
|  |
stevendaox | I (minor) just bought a visa debit card, and my mom won't let me activate it.? |
I'm 15, and I just bought a visa debit/prepaid card from HEB/netspend.com, and was told that in order to activate it, I was told that I needed to fax them my mom's social security card, my birth certificate, and my social security card. I told my mom that and she got mad and told me that is private information and a social security card should be kept to one's self. What do I tell her? I mean, it's visa isn't it? What do I say?
Additional Details
But I bought the card at HEB, and it's labeled with the visa sign, both big businesses. Isn't that trustworthy enough? |
 |
 
Phil O' Brien
|
Those requirements are completely nuts.
Get a refund and find a prepaid debit card that doesn't require ridiculous amounts of personal information. I'm with your mom on this one. |
|
steamhead10
 |
Well first of all giving away your Social Security number is a good way to have your identity stolen and second of all "netspend.com" sounds like a flat out scam, you may want to try a Mastercard debit card or Chase.
P.S. Hope this will help |
|
Trollhair
|
she is right
why do they need that information for a PREPAID card? |
|
Randy M
 |
Good for her, until you reach the age of majority in your state (18-21), or become an emancipated minor, SHE is responsible for any bills you run up |
|
ncborgie
 |
Your mother is a smart women, listen to her. Never give out that kind of information online, and hopefully by her getting mad at you, you will not ever think of faxing your mothers social security card to anyone, as doing that could cause her years of trouble. |
|
dukes
|
Listen bud. You don't BUY visa cards. You have a checking account at your bank that offers a bank card with a visa logo on it, meaning you use it anywhere visa is accepted. Its like writing a check with out the hassle. The money comes out of your checking account. That's all you want. When your 18, you will want to get a credit card, only use it to put gas in your car once a week. Then set aside money to pay for it at the months end. Having a credit card increases your credit to debt ratio increasing your credit score which lowers your finance charges (interest rate) when you ask for a load. |
|
Sue H
 |
Be careful in choosing a card. Some cards come with "zero liabilty" policies; the charges vary widely from card to card; and the typical protections that you have with a credit card are not present. The real issue with a prepaid Visa is the customer service of the issuing bank. Avoid U.S. Bank -- they are terrible. The OCC has issued advisories about these cards with tips for consumers at http://www.occ.treas.gov/ftp/release/2004-108a.pdf. |
|
storkcandles
|
In regards to the netspend.com being a scam. No it's not. It is a prepaid card that can be recharged at several different places. The grocery store HEB and check cashing place Money Box are two of the places they can be recharged. I have and a netspend visa for almost 2 years now. I use the card to seperate some of my business expenses, works great. They even have direct deposit which I use to deposit from my business merchant account and you can also trasfer from PayPal. I provided my ssn when I activated my card. I have 3 cards, my business, personal and my husband has his allowance card :o). They are very much on the up and up.
With that said........ I don't understand why a minor would need a credit card. Perhaps you want to load your allowance and use it for downloading music or something. Not to point the finger, but just an FYI, several prepaid cards can't be used for online access to areas of the internet only slated for adults.
As a mom.... I kinda like the idea of a prepaid card. Would make it easy for my to transfer money (like I already do my hubby) and I could keep an eye on where the money is spent. Also keeps change out of the dryer!! |
|
gpatrick900
|
I would go back to the store with your mom. Have the manager call net spend or there prepaid card service to authorize a refund. Usually, you will not get a refund. Since you are a minor. They will have to issue a refund as long as you have the receipt.
Debit cards with or without the MasterCard & Visa symbol are protected in the U.S.
Debit cards with a Mastercard or Visa symbol are also proctected under Mastercard and Visa zero liblity policy in the U.S. and can be used online and by phone.
Gift and prepaid debit cards with either Mastercard or Visa symbol are NOT protected at all in the U.S. some can be used online and by phone. Some require you to register the card online. Some do require you to provide a social secuirty number.
However, I wouldn't fax them any info. They should accept it over the phone. .
You could give or sell it to someone else if you can not get a refund. This way they can use it. Some people don't mind giving the ss number out. |
|
dragonfire
|
that's because as a minor you cannot legally enter into ANY binding contract, hence why they want her SS number
but if they accepted your application
they are in violation as thy cannot even accept you application since your a minor
she can take them to court, sue and win
you should not even have a VISA, pre paid or not |
|
bostonianinmo
|
They have no need for that information for a pre-paid card! Get your money back! |
|
t D
 |
There are liabilty issues here.
The company can not hold you or your parents liable for your charges because you are a minor. This holds, unless they have your mother's direct permission and approval (indemnity - or guarantee). The policy of providing all the documents is likely in place to ensure you're not forging your mother's signature and you really have her permission. This way she is on the hook for you.
I don't know about the company, but the other user might have a point about being a scam. Tred very, very carefully with a company such as this. |
|
New Millennium Minds
|
Just because they are selling VISA debit cards does not equate to the fact that 'they' are Visa. Get your money back, go to your local bank and purchase a MasterCard gift card. Why do you need a Visa? You can get less expensive prepaid cards almost anyplace at local banks, etc. You will need to give a social security number to buy these cards too. GOOD LUCK! |
|
timmymac65
 |
Another suggestion that doesnt answer your question but is a word of warning. When you use a debit card and you get ripped off by a fraudulent company, you have no recourse and your money is gone. Alway use a credit card, not a debit card, and you will have protection from fraud. Debit cards are a big mistake unless you know for sure the company you are dealing with. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
15 | 13 minutes(s) ago
| | | |
14 | 25 minutes(s) ago
| | | |
14 | 28 minutes(s) ago
| | | |
14 | 2 hour(s) ago
| | | |
14 | 6 hour(s) ago
| | | |
14 | 10 hour(s) ago
| | | |
14 | 1 day(s) ago
| | | |
13 | 4 day(s) ago
| | | |
14 | 6 day(s) ago
| | | |
1 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
