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I have an account that I am getting ready to pay off, and found out that it is a revolving credit account.
After paying it off, will it negatively impact my credit rating by closing the ... |
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 What's bad about credit cards? |
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My sister wants me to apply to old navy credit card ... |
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| I have no credit and I am having a hard time getting approved becuase of it. Just wondering what kind of credit card I could get approved for that isnt ripping me off with fees.... |
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 Poor credit rating please help? |
im in urgent need of 8000 dollars, where would i be able to obtain a loan quickly and that would accept poor credit ratings?
Additional Details
i dont mind paying a higher interest rate, ... |
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 Do i qualify for the car i want? |
| i started a new job 6 months ago but have been with the company 2 years straight. i make 14.75 hr work full time, i am going to put 7,000 down and want to buy a 15,000 altima my credit right now is 61... |
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codename: MANDINGO | Why would you press the credit key even if you were using your debit card? |
I just got my new debit card in the mail. It has a VISA logo, but the bank says I should be sure to press the "credit" button when making merchant transactions with my debit card.
Why would I want to do this? Is there any advantage? |
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amy23
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Some banks, such as US Bank, offer cash back rewards on your debit card when you use it as a VISA card/credit card. Instead of writing a check to pay for something, I use my card, even for my utilities, this causes my cash back rewards to add up even faster. Last year I go over $100 back on cash rewards! |
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gpatrick900
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The banks makes more money this way. Some banks and some merchants charge a pin transaction fee if they are not ran over the Cirrus/Maestro/Interlink/plus debit network. The banks fee will not be shown on the receipt. A few banks do allow you a certain amount of free pin transaction per month or statement cycle.
Other banks don't ever charge for a pin transaction-yet. |
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dances with unicorns
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Pressing the credit key means that the merchant will be required to get your signature for purchases; thus, the card cannot be used fraudulently so easily. |
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eyebchery
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I think the bank makes more money ... probably from the Visa guys. Some banks reward people by giving them a tiny percentage later in the year for all of their 'credit' purchases. |
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?
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CAUSE IT WILL EARN YOU POINTS AND WITH ENOUGH POINTS , THE BANK WILL ISSUE YOU A GIFT CERTIFICATE TO A PLACE THEY DO HAVE MANY DIFFERENT CHOICES! I KNOW MY BANK DOES THAT WITH ME , THEY SAY , TELL THE PLACE YOU WANT YOUR ITEMS RUNG UP AS CREDIT. |
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reel tur
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Some places charge a fee for debit transactions and you have to use a PIN. If you use the credit (because you have a logo) the money still comes out of your account but in most cases, you do not pay the debit transaction fee charged by banks. It is just a way of avoiding the debit fee and if you forget your PIN you can still pay for your items using the "credit" feature. |
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debbiemaedke
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Because if you do not specify "debit", it will automatically go on to the credit card account and not the debit card.
Also beware of merchants who say "yes, we accept debit cards" and then put the bill on your credit card, when you originally wanted it to automatically be deducted from your bank account.
Some of the folks who work these registers are clueless, and a few with small brains even get hostile when you inquire, because they just don't "get it." |
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Rusty Nails
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You have to put in a pin number in the machine when you use as a debt card and sign for credit card I always hold my wallet over the top when I put in pin numbers to keep prying away..
The merchants have to pay more for transactions when you use as a credit card than as a debt card ,it looks like the bank card company is just trying to help themselves..Most businesses won't give cash back on credit card purchases .. |
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porterhouse
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if you use debit,its taken out of your account that second. where as if you use credit,it takes about 2 days for it to effect your account |
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kelly h
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One reason it is more secure to do it as credit. Another reason is if you use it as a debit card, the money is debited automatically. If you use it as credit, it takes a few days usually before it is debited. Some people like that. |
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