Credit and Debit Cards
Credit cards are instruments that facilitate revolving debt for consumers so that they may acquire goods and services and pay the card issuer the amount of the charge plus interest at a later date. Debit cards pay for purchases at the time of sale by deducting the amount immediately from the consumer's deposit account.
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JseloverI am emphatic with your problem. Here is her address. I have a similar complaint and am sending her a tear page from AARP senior...
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Buy any pre-paid cell phone package. You usually get the phone with the charger and air-time (minutes).
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Yes, go to www.ebtaccount.jpmorgan.com
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no you cannot it is cash only :(
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I'm not sure, I'm trying to figure this put as well. Everytime I use my debit card at sheetz my bank statement always shows I'm...
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Yes. An ATM can be considered a Kiosk. The objective of an ATM machine is to provide Anytime or Automated Banking services to the...
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Are you asking why people can borrow money or why we have credit scores? The idea of borrowing money and paying a fee to do so...
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My store is cold and hot sandwich store
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There is no such thing as a joint credit rating or joint credit score. Even when two people apply for credit together, their...
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It is always preferable to have legal council, but every person has the right to represent themselves. Each state has laws that...
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Many judgments are "renewable". You should consult the laws of your state of residency. Many judgments such as liens against real...
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If you are not late on your payments, why would you be in a debt program or settle with creditors if you are paying your accounts...
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Yes. Even though you weren't married at the time he does own part of the property. Probably as Tenants In Common, unless there...
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Utilization is the word in the credit industry. This term describes the ratios and percentages of credit usage as compared to...
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If you are a joint account holder you can still use the card. The creditor should be notified of the death of the other account...
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If you keep the account balance reasonable (low) or pay it off every month, and if you make payments on time, preferably more...
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No. The person who signed the card agreement (card holder) is completely responsible for any charges made on the card. The only...
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They can call him. All he needs to do is tell thm it is not his debt and he wants them to stop contacting him. However, though...
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They do this all the time. And they should not be allowed to get away with it. Authorized users cannot be held accountable for...
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It's a type of "legal kickback". And in many cases the card issuer is part of the corporate conglomerate, that gives the so...
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If you have a valid passport and are only "visiting", the answer would be no. However, if you planned a lengthy stay or wanted to...
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Afraid so..this is how credit card companies make "easy" money. By charging a non-usage fee. Then, if the fee isn't paid, late...
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Creditors make the decision to sue on the basis of whether or not the debt is collectable. If the consumer is employed and wages...
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If you gave your CC# to "try out" something that probably means that whoever made the offer will be very persistent. For instance...
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It depends on the contract between the credit grantor and consumer, type of account and applicable state and federal laws. Many...
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Yes. They are under no obligation to accept anything but payment in full. There are agencies that will accept a payment plan...
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All credit grantors have the option of filing suit against a consumer that owes them money. Such considerations are usually made...
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There's no particular time limit to file a suit. Actually there is no way to be certain if they will. The average length of time...
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You can remove yourself from the account. Keep in mind that if it is a joint account you are still equably responsible for the...
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Someone who becomes a co-signer for a financial transaction is pledging to be responsible for the debt if the primary borrower...
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No. The state SOL begins approximately 6 months after the debt is defaulted upon. (Usually the last activity on the account). If...
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In general no, as long as the person is the primary wage earner. Funds in bank accounts are exempted for six months from levy as...
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Authorized users are not responsible for repaying cc charges. Unless they are a spouse of the account holder and live in a...
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If the person holds a valid passport then there would not be a problem. If a student or work visa was needed there could be...
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Your credit score can be decreased by having collection accounts listed, a judgment, late payments or if you have too much...
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Not only is your overall score based upon payment history which is very important, it is also based upon the credit to debt...
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if you are talking about bank--checking, loans, credit card statements or utilities- the answer is yes. Fair credit...
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They are the ones who control storecards eg. from Adams childrenswear or JJB Sports. I found this out since my creditexpert check...
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Yes. Just go to http://www.ntb.accountonline.com If you have questions or need assistance, call (888) 867-5658 - Monday - Friday...
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You can sue anybody you want to sue if you can find a lawyer who will file the suit and you want to pay for it. You can file in...
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You can only have a wine giftcard, otherwise no
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Yes. The creditor must follow due process of law before a writ of garnishmen can be issued. Mass. adheres to Federal garnishment...
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No. The only way to improve a credit score is by paying contracts (debts) as agreed, keeping the credit to debt to income ratio...
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Generally to get one's own card requires the person to be 18 years of age. However, if oyu want to "share" your car the you can...
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Only if you get an agreement from them in writing. How could the collection agency have any affect on the original credit card...
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Yes. Your length of credit history alone can affect your credit score. Yes. A drop in your credit score does not indicate...
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There is information missing that makes it difficult to assess if your mother's estate is chargeable for debts. Do the laws of...
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You must include all reportable income on the final tax return. Under section 61 of the Internal Revenue Code, forgiveness or...
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It may. I have heard rumors that the statement "closed by credit grantor" is considered negative and has an impact on credit...
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It is not likely that a private individual would qualify or pay the funds necessary to report a consumer to the three major...
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No, but that doesn't mean they won't try. Some creditors are kinda "tricky" about getting their money. However, if you show...
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I am not certain what you mean by "community property change", unless it pertains to a divorce decree. If you live in a community...
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Even though no action has been taken against you. The SOL for your state has probably not expired. Therefore, whoever has the...
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The interest rate, payment amount, items purchased, transfers are among factors which have no bearing on your credit. These...
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The receipt is for the store's records. In case there is a question about a damaged item, or return, something of that nature....
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More than likely been sold to a third party collector work with attorneys that specialize in collections. The first contact is...
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Not as a rule. The company will want proof, preferably a death certificate. The account will be closed, but the charges will...
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The SOL for credit cards, which are considered "open accounts" varies by state. Some are as short as three years most are under...
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If you are on the account your are building a credit history, hopefully a good one.
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There are no "set amounts" a creditor uses to determine if a lawsuit should be filed. The largest factor is whether or not a...
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Of course. Your credit report is a history of how you have managed debt. If there is no history recorded on you, how can a...
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The visa can be denied if the correct procedures are followed, the credit default will show up. If student loans were a factor...
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The person would be equally responsible for any debt that was incurred before requesting they be removed from the account....
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Of couse it does. If you are consistant about making payments and miss one or two, but contact the company and explain why,...
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It's difficult to assess if a CCC will bring legal action or not. It is not just the amount owed, but if there is reasonable...
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Texas does not allow wage garnishment. Texas is known as a debtor friendly state. This means the exemptions are so liberal the...
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No. The CC will list your account as closed on your CR.
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Some states allow garnishment orders to be enforced when rendered in another state. Others have specific terms, and still others...
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You can't. All of those factors are at the discretion of the card issuer.
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It's certainly worth a try. Many collection agencies are open for negotiation, but usually on their terms. Original creditors...
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The time limits for various types of information to appear on consumer credit reports are set forth by the federal Fair Credit...
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If the SOL has expired there is nothing a creditor can do unless a lawsuit was filed before the SOL expired, which happens quite...
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AnswerMany times the money for a student loan is transfered directly from the lender to the University. Therefore you would be...
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A statute of limitations on a credit card typically begins to run at the time of the last correspondance. If you write them a...
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This completely depends on the bank you are going to and their guidelines. Currently, most banks are turning people down with...
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This varies not only from person to person, but school to school. I attend DeVry University online, once I have a credit balance...
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There is no 'normal' interest rate on sovereign debt. The initial rates are set at the sovereign debt auctions. Investors offer...
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The amount of money you can put on a Visa gift card ranges from a modest $25 to $500. You can purchase Visa gift cards from many...
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I am a representative of Bristol Farms' grocery chain in California and yes, we do accept EBT cards.
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AnswerDepends on what interest rate the card charges and what the bank charges. Probably NOT. Your CR already has a repo on it,...
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If you have no proof of payment, then it's the same as if you have not paid. Don't expect a collection agency to believe you. ...
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Anytime a negative item is removed from your credit report, it will raise your credit score unless new collections are added to...
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It is not possible to "attach a statement to an account". It is only possible to place a consumer statement on your report. ...
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The Fair Credit Reporting Act, a federal law, establishes the statute of limitations for judgments as 7 years from the date it...
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Probably not. You can request it be placed in your file, they may or may not oblige. The reality is the "big three" CRA's almost...
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AnswerSorry to disagree with the previous poster. You do indeed still have to pay. A charge off is a term used by the original...
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Yes. But if the account holder has been in good standing and tis is the first late payment, it probably won't be reported. 4...
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Credit scores reflect the number of paid credit accounts you have. So, when you transfer from the first account to another, that...
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AnswerYour beacon score is basically an equifax branded FICO score, there is no difference except that a beacon score uses data...
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The card holder person(s) who signed the original agreement are always the one(s) responsible for the debt incurred. Unless your...
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Credit scores are kept separate, unless the account in default is a joint account. However, if you are a co-signer you will be...
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Not as long as you don't default in the payments.
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No. The person who is the card holder is the person whose FICO score applies to. An authorized user/signer is in most cases not...
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Not sure I understand but if you leave you still owe the money. Can they shut down, take the cell phone, NO. But if you don't pay...
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There is a toll free number for customer service on the front of the abilling statement. And ususually on the back of the credit...
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Depends on the brokerage house, its clearing firm and/or the principals of the firm. "Know your customer". A medium-sized...
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No. People often allow others to use their card(s). Problems sometime arise if there's a question as to who should pay the...
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No it should have no affect on your CR. All charges that a consumer feels are invalid should be challenged. With the CRA and...
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