 How long can a collection agency try to collect on a debt? |
| I owned a business (sole proprietorship) which was closed. All but one debt was paid off. The business has been closed for 12 years, and about 4 years after it closed, I got invoices for an unpaid ... |
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 How do you know its a collection agency and not a fraud? |
| I just got a call from a collection agency well actually they called my grandmothers house and i got the number and called back today. Its for a sprint bill from 2004 and they said they could take it ... |
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 Someone has used my social security number! HELP? |
| All I know for sure is that it was used to get food stamps in another state. I am terrified what else may have been done. Can anyone tell me what I can do? I definately cant travel to another state BT... |
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 How can a 13 yr old girl make some money for summer clothes? |
I need ideas and tips for making money this summer, for summer clothes etc...
If you can help that would be GREAT!
=)... |
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 Should I get another credit card? |
| I have one credit card and I'm currently trying to pay it off. I've been late on some payments so my interest is really high. I try really hard not to use it, but sometimes I need to. Even ... |
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 Idenity theft help please ASAP!!!!!!? |
| hello i'm so down right now, don't really know where to begin :(, i just recently know that my MOM using my name to apply for a whole bunch of credit card and now i owe like 13K, and she ... |
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 Do you know of ant lenders who offer bad credit home loans? |
| My husband and I both have bad credit (both from previous marriages). We both work and have stable jobs. Do you know of any lenders who legitimately offer home loans to people with bad credit. The ... |
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 I Need information regarding a $300 loan.? |
| I just started work last week and they're holding one week back from me and I need $300 fast... I'm 20 years old and have bad credit... can I still take a loan out? And where?... |
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 Bank Fraud or Theft? Please help :(? |
Hello - I am asking this question for a friend who needs help.
1) I'm going to call my friend "Jane" & her ex-husband "John". FYI. They're just separated. ... |
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 Unpaid Item dispute - Ebay? |
| I recently bid on a pair of sunglasses, & then realised that they were they wrong colour (I know, stupid. But they were the exact same design & I just bid on it last second...okay, it is VERY ... |
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 Lost bank card emergency? |
| Yesterday I realised that I had lost my bank card, (just a cash card because I am just 16) so I rang Natwest and they cancelled the card and they are sending me a new one. However, I want to know ... |
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 I am thinking about paying off my mortgage with a credit card. What is your opinion? |
| I have a 2nd Mortgage with a 9.5% interest rate. I can put that all on my card which has a 7.72% fixed interest rate and it also have a 1% cash back bonus on it. Lets say I paid the credit card off ... |
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 How can I get a mortgage with a 480 credit score? |
| I have an average 480 credit score but a local lender told me I needed at least a 580 to qualify for a FHA loan (1st time buyer/low down pmt). My boyfriend (co-borrower) has a 700+ credit score and ... |
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| Would you put a small car loan on a credit card...? |
... if the interest rate on the card (9.25) is smaller than the interest rate offered by the bank (11.25)?
The amount is $5K. This will NOT exceed my credit limit. I would pay it down ... |
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Neeon3000 | Which card is safer dibet card or credit card to shop online? |
i am just scary to shop online but i dont know which card is safe and how do i know which site is safer PLEASE GIVE ME SOME HINT ABOUT WHICH SITE IS SAFE AND WHICH CARD IS MORE SAFER
THANK YOU |
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mz_neemarie
 |
I just read an article about this. The article recommended that people use a credit card for online purchases. That way, if your purchase price is incorrect, or if you never receive the purchase or if the purchase is of poor quality, you'll have the right to dispute the charges through the credit card company if you can't resolve the issue with the merchant. |
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ann
 |
A credit card is safer. You have more consumer protection behind you to protest extra fees. I only use sites that I am familiar with. |
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Andrea B
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Both cards are safe to use online but I prefer credit cards because if there happen to be any fradulent charges, you can refuse to pay them. With a debit card, the money is already gone from your account and you have to work with you bank to get it back. Mostly debit cards should only be used for in person transactions in order to avoid hackers and fraud. |
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sugar and spice
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I've always heard the financial gurus say to use your credit not debit. If someone gets your debit account number they then have access to your entire checking accout. A little scary. Credit card companies usually have people watching for suspicious things. |
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Robert E
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Credit card is safer. You can be held liable for up to $50 in fraud charges on credit cards, but up to $500 from checking accounts/debit cards. Most credit card issuers actually have a "$0 Fraud Liability" policy as well.
The other important point is with a credit card, criminals are stealing the bank's money (that the bank is lending to you). With a debit card, criminals are stealing YOUR money, right out of your checking account. |
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Dina N
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I prefer credit card.
When you shop or typing in your card info make sure at the address bar it says https:// ("s" after http means secure) also look for the padlock sign meaning the page is encrypted). Some shows verisign.
Whe you shop online the regular page will display http:// but once you make or input your card information it should changed to https://... (meaning it's secure).
Do not store your credit info in the store site. Some store require you to store it because some the purchase is pending but once it's processed delete your card information. Most site where I purchased require the 3 digit security# at the back of the card even if you store your card info. I still prefer to delete my billing info after purchased has been processed. |
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Pokrzywa
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Well if you have on your debit card only like $200, it is safer because if someone else (thief) uses it there is a limit. If someone uses your credit card, he or she can use as much as he or she wants to, because it has no limit unless, the credit card company is alerted that you ran out of limit (but believe me, they don't want to know this - they want your money so they're not going to alert you of this). |
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Work and School
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Dibet, because there is no interrest or monthly bill you have to pay afterwards. When your purchasing something on a website be sure to look down the bottom or top of the screen where the tool bars are to see if there is a picture of a security lock. |
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Mary R
 |
I believe that for safety, a credit card is the safest to use because you would most likely be covered for purchases that you didn't make/ theft, etc. as Credit cards offer that protection. However, you may want to check with your bank to see what their policy is regarding theft and your debit card. Another reason to use the credit card is that if someone does get your credit card # and charges things to your card, you will not be out the money while it is investigated by the credit card company. If they get access to your debit card, they have access to everything in your account and could empty it, leaving you with nothing while it's investigated.
As for safe sites, always check out the site's security policies. If they don't even mention a policy then take a pass on the site. Stick with well known sites. Investigate a little if you have too.
Take care. |
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baw
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I think a debit card. I have more of a limit on my credit card than I keep in my checking account intentionally. If something goes wrong, I don't have that much money to lose. |
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cesc
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It makes no difference at all. If the website is safe, one you can trust, your transaction is safe. |
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