 What happens if I do not activate a new credit card? |
| I applied for a new credit card, and got approved. I changed my mind and don't want it. The card has arrived in the mail. If I fail to call the number on the card, does that mean the card will ... |
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 I've been having some trouble not going over drawn in my bank account I need some help!? |
| Ok so I have been trying REALLY hard to save some money and keep on track. But it seems that everytime it comes to pay day I'm over drawn and my check being deposited is going to cover the money ... |
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 Should I pay this? |
| I am trying to buy a house. When I looked at my credit report I found that I have a charge off for $400. The thing is it is going to be removed in 4 months. Is it better to pay it or will it ... |
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 Is 681 a good credit score? |
could i get a new car with that?
Additional Details
it's just me not combined with a partner (just have a bf not a hubby i'm barely 20)... |
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 How do you get credit? |
| I.E. to buy a car, make a loan, etc.... |
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 Building credit with Credit Cards? |
| Do you need to pay late or skip a payment to build credit? I have been told that if you always pay your monthly bill on time and never let any interest get attached to your balance, you don't ... |
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 Stop paying credit card bills? |
Hi,
I recently visited a BK lawyer and he said just don't pay them any more.
I have several small balances.
Capital One 600
Providian 1000
Orchard Bank 300
Bank of A... |
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 Which is worse - real bad credit or filing bankruptcy? |
Additional Details
and why? Does anyone know for a fact?... |
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 Why do people think having (good) credit is a "good" thing? |
Having credit means you get a purchase or loan and defer the payment. In other words, you *owe* money or whatever it is you use to pay, trade, etc.
This usually comes with some sort of ... |
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 Can you get credit cards with a credit score of 650? |
| I just checked my credit score and it has gone up from 570 to 650 in two years. What could I expect if I applied for a credit card or tried to refinancing my home with a 650 credit score?... |
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 So, i'm having an argument with my friend? |
| about identity theft. i just don't understand how people get away with it. say someone opened a credit account using someone else's info and made a bunch of purchases online with it...... |
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 Paypal question? |
| i signed up for paypal yesterday and on the paypal website it ways that they have deposted the funds into my account for the acount setup but when i look at my online banking to see what they are it ... |
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 Should I get this mastercard with these fees? |
Fees for Issuance or Availability of Credit Account Set-up Fee: $29.00 (one-time fee)
Program Fee: $95.00 (one-time fee)
Annual Fee: $48.00
Monthly Servicing Fee: $84.00 Annually++
... |
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cmsb705 | Why is it that when you use a credit card sometimes you have to sign and sometimes you don't? |
The gas station never requires a signature. The grocery store or retail store usually does. Even if the amounts are the same. Who determines when you need to sign, and when you don't? |
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CableTech
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The agreement between merchant (the store) and the credit card processing company.I
f the store wants easier (faster) processing, they can elect to have a higher "Signature" amount, but will increase their risk level by being responsible for that amount if it is disputed.
Zero risk would be to require a signature for all transactions, but would take a little longer. So if the store has a lot of business, they may ellect to "bypass" the signature. |
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♥Mama_Leigh♥
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Debit you don't have to sign , you just punch in your pin number. Credit you need to sign, but in PA where I live, they just passed a law anything under $25 does not need a signature. |
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sdfem23
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when you use an automatic gas pump, you don't have to sign but if you're in the store you have to sign the receipt |
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cyanne2ak
 |
It depends on the laws in the area. |
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linkUS
 |
I have been told there is a dollar limit on a transaction for signature. One place says fifteen dollars another says thirty dollars. I think it might be a policy of the store or the clearinghouse. |
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Happy Mama
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it is really up to the store |
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Credit Guru
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Whether you sign or not is dependent on the credit card processors policy. The Visa/Mastercard association sets the "interchange rates" for all of the different types of credit card transactions(gas, hotel, airline, retail, etc) and when you are required to sign and not sign. The companies that charge the businesses a discount rate when you use your credit card pay different rates pay different amounts based on risk, transaction size, etc.
As a consumer what you need to do is protect your bank & credit cards and be aware of what you charge and where you charge to prevent fraudulent charges. |
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Dandylion
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I've always had to sign. |
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evelyn_denise_05
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just the different store policies |
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?
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Your name or someone else's? |
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newneenee33
 |
The business decides and usually does require a signature save human tendency to not do the job completely. Gas stations now require billing zip codes be entered for credit purchases at the pump. If you pay inside you will sign though. |
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