 Is bankruptcy right for me? |
I am really considering bankruptcy but since it is a major decision, I would really appreciate some feedback from people. Heres my situation:
1. I am 22 years old (23 in 10 days, 33 years ... |
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 Debt collector refuses to send me a receipt.? |
| I recently paid a debt in full but the debt collector says that they will not fax a receipt to me. They say the only way is for a bank or someone looking into my credit to fax them a inquary request ... |
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 Is it a good idea to pay off credit card debt by taking a withdraw from a 401k account? |
| Recently divorced, had to use credit card to buy furniture, household items, etc. I bought a house, but had to use the equity to purchase a new furnace this past winter and replace the windows. I ... |
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 I no longer use a credit card. Do I call to cancel it or do I decline calling to activate NEW replacement? |
| The replacement was sent to me because the former card expired. I have not charged anything to this card in years.... |
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 Question about BofA check card...? |
i just got my Bank of America Check Card in the mail yesterday... it has the option of both credit and debit on it... but with it, i did not recieve a PIN number.
do you even need the PIN ... |
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 Is credit card a necessity in day-to-day life??? |
| Please provide me sufficient information on why one needs credit card???... |
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 Withdrawing from an ATM? |
| Is it possible to withdraw from your checking account at an ATM that doesn't have sufficient funds? How much will it cost me to overdraft? But I have the intent paying back the bank in less ... |
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 Credit Card Numbers? |
| How can one use credit card number if I give him / her away mine without the actual card ? If you can not sweep the card at the register, my card is safe right? If not, how can I track down who is ... |
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 Does my address go against my credit score? |
If a previous occupant has a poor credit history, will this affect my credit score?
Additional Details
If a previous occupant has a poor credit history, will this affect my credit score?<... |
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 Can somebody use my credit card even if he doesn't have my credit card? |
| but when I give him my credit card number can he still use my credit card with it to pay something?... |
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| I owe on my car, can they freeze my bank account? |
| I owe soo much on my account in SC for my car that they will not accept a payment arrangemant or defer a payment. I am saving to by me a used car for no more then 3500.00 dollars. Then I am going to ... |
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 I have horrible credit and would like to get a credit card? |
| I was told that if you have a credit card with a high limit and only use 10-30 % of it that will raise you score drastically. Does anyone know of any companies that will give credit cards to poeple ... |
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Tech | Is it valid (and wise) to write ASK FOR PHOTO ID on the back of a credit card instead of your signature? |
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emyleeanne
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I think since it is your credit card you should be able to put anything you want. I always put CID(see ID) on mine. The only place I have a problem with is the Post Office. They won't take it if you don't sign it. I think that is stupid and they should not be allowed to do that. |
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Mess
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This is a huge myth that is circulating. Have you ever noticed that the card says "not valid unless signed". Your signing the back of your ID is a contract between you and the credit card company to repay whatever is charged on the card. It's not for verification purposes. Retailers are supposed to ask for your ID in order to verify it's you. |
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Roger N
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NOT valid...
Unless your name is "Ask for photo id"
The block says "signature" |
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rainfingers
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The card says "not valid unless signed", so technically a merchant could refuse to accept the card. But I doubt they would do that. I was with someone who had "check ID" on his card, and the clerk asked for his ID and charged the card. |
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brandi
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it is a wonderful idea, you can just put see ID. you will be surprised though at how many people still do not ask for ID. |
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MCsnizz
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Absolutely. And you know if the cashier ignores it, you can sue them for negligence. Well, not really, but you should. |
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Steven O
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Check cards and credit cards are governed by the Electronic Funds Transfer (EFT) Act, whether they are Visa, MasterCard, American Express, etc. In reference to the answer from Mess, the terms and conditions of the card are considered accepted when the cardholder has:
- requested and received, or
- has signed, or
- has used or authorized another to use
their card (see the link below). By this definition, the fact that the card is signed is almost always a moot point if any of the other conditions have been met (such as a previous purchase that the consumer recognizes as authorized, or they simply acknowledge the card was issued at their reqest).
All card issuers must comply with the EFT Act. They may create provisions in their own terms and conditions that favor the customer, but may not make more restrictive provisions that allowed by EFT. Knowing that pretty broad definition of an accepted card by the EFT Act, and the fact that Visa's terms and conditions may not be more restrictive, I would assume (although I haven't read through Visa's lengthy terms and conditions) their definition of an activated/accepted card is about the same.
That being said, it's a good practice to write something to the effect of "See ID" on the signature line of your card because the line is used almost exclusively for verification purposes. However, the US Post Office will not accept cards that are not actually signed though (no clue why). |
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forbidden
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its one of the best security things to do for yourself, my sister has this and i would say about 90% of the time she is asked for it.. |
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skybabe
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Yes very smart ,unless you did what I did,Tried to use it without realizing my photo id wasn't with me ,HA It's still a good idea though!! |
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