Credit Cards FAQ
- Why do I have a positive credit amount reflected on my credit card statement?
- Can I convert the positive balance on my credit card to cash without taking out a cash advance?
- When I refund something by credit card is it possible to get cash back?
- Why does it take so long for a credit card refund to show up on my statement?
- How does the VISA card company make sure that my information is safe?
- Is it safe to give out my credit card number when purchasing goods and services by phone or online?
- Who came up with the concept of Credit Card Rewards programs?
- Why are credit card companies so willing to give away stuff or give money back?
- What is a good strategy for maximizing the number of reward points ?
- What is the difference between a cash back program and a rewards program?
- How can I save money with Gas Rebate Credit cards?
- Are there any disadvantages to using a gas rebate card?
- Are there automobile rebate cards that aren’t just restricted to use with one car company ?
- I currently have a credit card I have had for ages that has no points or rewards.
- Can I transfer a balance from an existing card to a new rebate card to earn additional rebate points
- I love a good deal. To take advantage of low introductory rates and card with reward points.
- If I donate to a charity, do I still get bonus rewards or points?
- What are the latest and greatest things offered as reward programs by the credit card companies?
- Do I need credit card insurance?
- What are the advantages of carrying a credit card?
- What is a VISA warranty manager?
- What types of products are covered in a warranty management program?
- How do I contact my credit card company?
- I have been offered convenience checks from my credit card company. What are they?
- What is the deal with an extended warranty?
- How can I avoid getting into trouble with credit card blocking?
- Can blocking on my credit card hurt my credit rating?
- I just experienced blocking after using my credit card at a gas station. Can they do this?
- How can I get the extra money from blocked charges back if I have not incurred it ?
- Is blocking your credit card legal?
- Do waiters and waitresses block their tips on credit card reservations?
- I just rented a hotel room for $200 a night yet they took $300 off my card. Am I being ripped off?
- What is the difference between my credit card number and my customer code?
- How many possible credit card account numbers are there?
- How do I obtain a credit card application?
- What is a pre-established credit limit?
- Can I get a credit card without a social security number?
- I don’t have a social security number, as I am a landed immigrant.
- Is a checking account required with the bank I want to apply for a credit card with?
- I have no credit history. Do I have a chance of being accepted for a credit card?
- I have bad credit. Can I still get a credit card?
- If I have bad credit should I try for the unsecured card with high fees for borrowers with credit pr
- How long does it take to receive a credit card after it has been approved?
- Where is a good fair unbiased place to compare credit card offers online
- Why do I have to apply for a credit card? Why can’t I just pay cash and live a peaceful, cheaper
- Is it secure to apply for a credit card online?
- What information will I need to provide to apply online?
- How long does it take to get a credit card company to approve an instant approval type of credit car
- Can I apply for more than one credit card at a time?
- How many credit cards should I have in my wallet?
- What kind of benefits should I consider before choosing a credit card?
- What should I do if I apply and then am denied a credit card?
- What is a card holder agreement?
- What is pre-authorized payment?
- Do I have to sign a paper receipt in order to make a credit card transaction?
- What does an “authorization only” transaction mean
- What is the authorization date and is it accurate?
- Where is my authorization code when I do a credit card transaction?
- Do I have to pay off my credit card debt in full each month?
- Why is my credit card bill balance always so much higher than I expect every time I get my statement
- How do I know how much I will owe the credit card companies?
- How is the average daily balance calculated?
- What are clear cards?
- Who makes the card that commerates the September 11th terrorist attacks?
- Who came out with the first wild credit card design?
- Are people willing to pay a higher interest rate just to have a fancier looking card?
- Why is it so hard for me to get my debt down on my cash advances?
- When does the interest on a cash advance start to accrue?
- Why is the interest on my credit card advances a lot higher than the interest on regular purchases?
- I enrolled in a cash back program but I never got my cash? Why?
- What are the usual methods of cash back payments?
- I enrolled in a cash back program, expecting a lot of cash back but it didn’t happen - why?
- I need to ask for a charge back on my credit card account as a mistake has been made.
- What sorts of credit card accounts should I cancel?
- How long does it take for my request to close my credit card account to take effect?
- I hadn’t used my credit card for about a year when my bank canceled my account. Can a bank do that?
- What is the process that I should take to cancel a credit card account?
- Should I cancel my card before the balance is paid of or after?
- How can I confirm that I have paid off the total balance of my credit card balance ?
- How do I make it clear that I am the one closing the account and not the credit card company?
- I have credit card accounts that I am not using. Should I close them?
- If I close a credit card account will it harm my credit rating?
- Is a corporate procurement card and a corporate purchasing card the same thing?
- Does the Bank Americard company still exist?
- What is the advantage of an Aadvantage Card?
- What is the true cost of owning a credit card?
- How does one stop the revolving door of credit card debt?
- Should I get a home equity loan to consolidate my credit card debt?
- How can I avoid going to debtor’s prison?
- Why do most people get into credit card debt?
- If I am summoned to court over a credit card debt, do I have to go?
- I have received a court summons to pay an old credit card bill. What does this mean?
- I have declared bankruptcy but debt collectors are still calling me. What can I do?
- What should I do if an old debt comes back to haunt me after it has been charged off for years?
- A debt collector is hassling me about a bill I have already paid. What can I do?
- Can a debt collector come after me for a credit card bill after I have declared bankruptcy?
- Why is paying a debt with post-dated checks a bad idea?
- Once a debt is named as “ charged off” on my credit report, what does it mean ?
- I settled a debt for $2000 for $1000 and sent them a check marked paid in full. Then?
- When negotiating with debt collectors what kind of deal should I offer them ?
- What is the best way to negotiate with a debt collector?
- How can I stop a debt collector from harassing me by phone?
- I’ve managed to get the credit agencies to delete an old charged-off account from my credit. But
- How can I get a debt collector off my back?
- Is a debt collector allowed to swear at me or verbally abuse me if I cant make arrangements to pay?
- What is the best way to handle a collector trying to collect a really old debt?
- Should I pay down the card with the highest interest rate or the card with the highest debt first
- I have been contacted by a company to pay off a credit card debt that is more then a decade old?
- Can a collection agency sue me after a credit card company has written off the original debt?
- Can it hurt my credit score to pay off my older debts first?
- Can settling a debt with a credit card company actually hurt my credit score?
- What is the periodic rate?
- What is the length of a standard grace period and do they vary from credit card to credit card?
- Where can I find the CID on my credit card?
- What is the difference between a credit card and a charge card?
- What is a CID?
- What is a Schumer Box?
- Can you walk me through the process of disputing a credit card charge?
- What should I write in my dispute letter to the credit card company?
- What do I do if the merchant refuses to take back damaged merchandise I am returning to the store?
- Why is it always so necessary to put everything in writing?
- Why do the credit card companies just assume the customer is not lying about credit card fraud
- What does Purchase Protection really mean?
- Do I have to keep paying my credit card off if there is an amount in dispute?
- Are there situations where I may not be able to dispute false credit card charges?
- There is a charge on my credit card that is not mine .How do I file a credit card dispute?
- What is a counterfeit credit card?
- What should I do with my credit card receipts to protect myself from identity theft?
- My brother stole my credit card and personal identification number (PIN) and took out a cash advance
- How does credit card fraud most commonly occur?
- What is an unauthorized charge on my credit card?
- What are Over Limit Fees?
- Is it possible for me to ask for a higher credit limit?
- I gave a credit company a fee in advance to obtain a credit card and now the company has disappeared
- What exactly is a debt suspension and should I go for it?
- Why is the way a credit card works the same all over the world?
- Who determines what a credit card is supposed to look like and why do they all look the same?
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FAQS About Credit Cards and Money Managementback to top
- How do I go about setting up a budget so that it achieves effective change
- How can I curtail my excessive credit card spending?
- After every Christmas I go broke paying down debt on my credit cards.
- What is a good strategy for managing my credit card use?
- Should I consolidate all of my credit card debt onto one card?
- What is the biggest mistake that most people make when managing their credit card finances?
- Is applying for store credit cards a good idea?
- I am out of control when it comes to using credit cards. What is my first step to get help?
- What do people mean when they say I am “robbing Peter to pay Paul?”
- Should I get a pay day advance to help pay my credit card debt?
- Should I take money from my 401 K or other retirement savings to pay off a credit card debt?
- Should I get a home equity loan to pay off my credit card debt?
- Is getting a higher limit for my credit card good for my credit rating?
- Why do merchants refuse me when I try to use my credit card for smaller purchases fewer than $5
- What is better – more plastic or less plastic?
- What are the best credit cards to have?
- Can having a credit card help me buy a house?
- I have a lot of credit cards. What is considered a healthy mix of credit by FICO?
- Can settling a debt actually hurt my credit rating?
- Why am I always advised not to use a credit monitoring service?
- What should I look for in a credit monitoring service?
- What does a credit monitoring service do?
- I have inherited a lot of money and property from my father’s estate but he was also in debt.
- My husband passed away but a credit card company is asking me to pay his credit card debt?
- If I did not have a joint account with my husband who has now passed away
- If I pass away owing as much credit card debt as I do, what’s next?
- If I die does my wife have to pay my credit card debt on our joint account?
- What is the first thing I should do about my credit cards if I am getting a divorce ?
- What should I be on the lookout for when dealing with a debt consolidation company?
- Is the address to send complaints the same as the billing address of the credit card company?
- I disputed an error on my report for an unauthorized charge, but ?
- My credit card is about to expire. When will I be sent a new one?
- Is a credit card company allowed to raise my interest rate before it issues me a new one?
- I want to dispute a late payment fee. What should I put in the letter to the credit card company?
- What the heck are bill payment fees?
- Do I absolutely have to be charged the late payment fee or
- What types of cards have the highest fees?
- When I look at my credit card bill for my credit card that is supposed to have no annual fees, but ?
- What is the best way to pay my credit card bill so I can avoid being charged a late fee?
- What is an annual fee?
- If I miss a payment on my credit card balance what kind of late fees can I expect to be charged?
- How is the FICO credit score broken down?
- What is a finance charge?
- How much notice does a credit card company have to give me,
- Which has a lower interest rate – the variable rate or fixed rate card?
- If I get a credit card with a fixed rate, what does it mean ?
- What is the difference between an https and an http online?
- How long does an alert last?
- Will a fraud alert help me tell who has been using my credit?
- What do credit card companies do to prevent skimming?
- What is a Fraud Alert?
- Are there disadvantages to Fraud Alerts?
- Is credit card fraud on the rise?
- What is skimming?
- Should I sign the back of my credit card?
- Why do credit card companies ask me to verify my address all the time?
- How much does freezing my credit report usually cost?
- How soon after placing my order for a freeze must the credit bureaus comply with it?
- How do I go about placing a credit freeze on my credit report?
- What is the cost of a security freeze on my credit report?
- If I freeze my account does it halt the fraudulent activity?
- I have false and damaging information on my credit report as the result of identity theft
- Can I put a freeze on my credit report even though I haven’t been robbed?
- Do miles earned on airline frequent flyer credit cards expire?
- Are airline-specific rewards credit cards better than generic mileage credit cards?
- What happens to the miles once they are earned on the credit card?
- Is there an annual fee for all airline frequent flyer credit cards and, if so, why?
- How are miles earned on airline frequent flyer credit cards?
- I have my own business and want to offer my customers the option of paying by credit cards.
- Who do I contact to place a fraud alert?
- As a credit card fraud victim, how can I protect my credit?
- Which federal agencies can help me with credit card fraud?
- What is a fraud affidavit?
- What is “Verified by Visa”?
- If I am disputing a charge, should I pay the bill?
- My friend sent a letter disputing a credit card charge in the same envelope as her payment.
- A credit card that I don’t use very often was stolen
- When I checked my account online, I saw a charge I didn’t make on my credit card
- What is the correct way to dispute a charge?
- What law protects me from unauthorized charges made by a credit card thief?
- What is a credit card “billing error”?
- What law protects my credit history from being damaged if I am a victim of identity theft?
- What should I do with old statements after I have paid them?
- What will happen if I move and forget to change my mailing address with my credit card company?
- Should I pay for a service that will notify all my card issuers if my cards are lost or stolen?
- Why is it important to review my credit card statement when it arrives?
- What should I do if my credit card statement does not arrive?
- What are credit card companies doing to fight fraud?
- Is there any way that I can monitor my credit card between statements?
- Why should I care about fraud when my credit card company has to pay for it, not me?
- We are going to renovate our kitchen and pay for the materials with our credit card
- Is it safe to use my credit card PIN number over the phone or at an ATM?
- I plan to take a trip and to use my credit card while I am away
- What should I do with old credit cards?
- How can I make sure that my personal identification number (PIN) is safe?
- When I bank online—is there anything I can do to protect my personal information?
- Can someone steal my identity from one of the credit card carbons that are left over ?
- What is mail fraud and how can I avoid it?
- How can I avoid mail fraud?
- How can I prepare myself in case my card is lost or stolen?
- How can I protect myself against unauthorized charges?
- How can I avoid becoming a victim of credit card fraud?
- In terms of security what should I do when I receive a new credit card?
- How do I keep my personal information private?
- What is the latest scam to watch out for?
- What is a credit card “security code” and what purpose does it serve?
- How can I tell the difference between a scammer’s e-mail and a legitimate attempt from by bank?
- What could happen if I accidentally respond to a phishing e-mail?
- What are credit card companies doing to prevent phishing?
- What is “phishing”?
- What situations do I need to guard myself against to prevent myself from being a victim of phishing?
- Are victims of ID theft held liable for the losses?
- What are the consequences of identity theft?
- How is identity theft defined?
- Can a credit card company take me to court if I do not pay?
- Can a credit card company take my house?
- What happens if I just give up and do not pay my credit card bills at all?
- I am so overwhelmed with debt I am afraid to pick up the phone and talk to my creditors?
- I had an accident, and then some medical bills and now I can’t pay my credit card
- I have an illness and lost everything. Can the credit card company still force me to pay?
- Is there some kinds of information that credit card companies can share with other companies ?
- How can I limit the sharing of my information?
- Why do credit card companies feel compelled to share my information?
- What is a privacy notice?
- How long does it take to get a credit card once my application has received instant approval?
- Are online instant approval applications as secure as paper application?
- What does instant approval credit really mean for applicants?
- How does this differ from Instant Decision?
- How can I use a low APR card to become debt free?
- I’d like to ask my credit card company for a lower interest rate but I am not sure what to write ?
- I signed up for a card with a 7.9% rate and later I got a solicitation for the same card with a 5.9%
- My balance includes purchases, cash advances and balance transfers, each carries a different % rate
- What is meant by the penalty rate?
- My card issuer is about to raise my interest rate
- What should I say when asking for a lower credit card rate?
- I asked for a lower interest rate and my credit card company said no? Now what?
- What is a tiered rate?
- My credit card interest is supposed to be at a prime rate but
- Can I negotiate my interest rate?
- If I have a choice about which method should be used ?
- Which states have the least favorable usury laws to credit card applicants?
- What is interest rate based on adjusted balance?
- What is the absolute highest interest a credit card company can charge me?
- What is the cheapest kind of credit card to get in the long run?
- My credit card has been lost or stolen but
- What is the flaw in my thinking about my monthly payments that keeps getting me deeper into debt?
- I never got my bill this month. Am I stuck if I don’t pay on time?
- I am having trouble making the minimum payments on my credit cards
- I mailed in my credit card payment on time, but the bank says it arrived late
- What type of late payment qualifies as a delinquent payment?
- Is there any way of avoiding a late payment being termed as “delinquent.”?
- Is there any kind of grace period if I am late with my minimum monthly payment?
- What can happen if I am late with a minimum monthly payment?
- Is it faster to pay your credit card bills online?
- How do I know what date my minimum monthly payment is due?
- Credit card with a higher minimum payment or a lower minimum payment for month?
- I have just gotten married. Do I need to change the name on my credit cards?
- How do prepaid credit cards work?
- Can anyone get an unsecured credit card?
- How can I use a secured credit card to build my credit rating?
- Can getting a secured card help improve my credit rating?
- Will the fact that the credit card I have obtained is a secured one hurt my credit rating?
- Are secured cards a better bargain then non-secured cards?
- I obtained a secured card But
- What kind of deposit do I have to put down on a secured credit card?
- Where does the money to secure a secured credit card come from?
- What are the states where I am least likely to be sued over a credit card debt?
- The statute of limitations for credit card debt in each State
- What is a statute of limitation?
- Should I avoid signing up for a credit card while I am a student?
- How do I establish good credit as a college student without getting into a lot of debt?
- How can falling behind in credit card payments affect my education?
- How many students have credit cards?
- Why are the credit card companies so vulture-like when it comes to my child?
- Is there any way I can have more control as a parent over this situation ?
- Where can I find the best terms for a student card?
- I am a parent who is concerned about my child getting so many credit card offers
- What details should I put in the letter to the credit company when I transfer my balance?
- On the Internet I keep hearing about something called an ISO provider. What is that?
- What do you call the thing that you swipe your credit card through at a store?
- What is an approval response?
- What does it mean when an ATM or swiping machine says that my authentication is approved?
- Is my digital signature an electronic version of my real signature?
- What is an acquiring bank?
- In my credit card contract there is reference to the acquirer. Who is the acquirer?
- I transferred my balance and now the credit card company has suddenly changed my rate!
- Can you walk me through the credit card balance transfer process?
- Which cards should I close first before transferring balances?
- How can transferring my credit card balance from one credit card to another benefit me?
- What do I need to be cautious of before I transfer a credit card balance?
- Are there any credit cards that don’t charge foreign transaction fees?
- How should I go about choosing an air miles credit card?
- I just traveled abroad and used my credit card and
- I am a Canadian and I don’t understand…
- What is the difference between airline credit cards and generic air mile cards?
- How do air mile credit cards work?
- What are specialty credit cards?
- Are there advantages to having a business credit card?
- What are standard credit cards?
- What are low interest credit cards?
- What are prepaid credit cards?
- Which credit card company markets the most visually interesting credit cards?
- What is the difference between a gold and a platinum credit card?
- Is Chase Credit Cards a credit card company?
- What is an Affinity card?
- Can I use my credit card on any web site?
- Does paying my bills online guarantee they are paid on time?
- Does it cost extra to pay my bills online with a credit card?
- How do extra passwords work?
- How can I use my credit card to pay bills online?
- Am I liable if someone steals my credit card identity over the Internet?
- How does a one time use credit card work?
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FAQS About Your Rights As A Credit Card Userback to top
- I am paying my bill in full time on time but
- Is it possible to sue a credit card company that violates the laws of the Fair Credit Act?
- What is the Fair Billing Credit Act?
- How soon before a credit card bill is due must the credit card company send me my billing statement?
- What kind of information is a credit card company legally obligated…
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FAQS About Zero and Low Interest Credit Cardsback to top
- What is the biggest delusion about zero balance credit card transfers?
- What is a transfer balance fee and how much will it end up costing me
- I have not missed a single payment on my low interest credit card but
- Can other loans be moved over to a low interest or zero interest credit card?