Credit Cards by Web Q&A http://www.creditcardsbyweb.com/questions The financial industry comes with a lot of questions. Read through our extensive library of user submitted questions and answers. Help yourself save time and money by doing financial research on our site. Fri, 18 May 2012 07:20:21 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Prepaid visa/mastercard credit card in jamaica?http://www.creditcardsbyweb.com/questions/credit-card-prepaid/14485-prepaid-visamastercard-credit-card-in-jamaica http://www.creditcardsbyweb.com/questions/credit-card-prepaid/14485-prepaid-visamastercard-credit-card-in-jamaica#comments Fri, 18 May 2012 07:20:21 +0000 jessica http://www.creditcardsbyweb.com/questions/credit-card-prepaid/14485-prepaid-visamastercard-credit-card-in-jamaica Continue reading →]]>
Kerry

Prepaid visa/mastercard credit card in jamaica?

How can i get a prepaid visa/mastercard credit card from here in jamaica . i cant make any purchases online and i dont want a normal credit card which is going to put me in debt.

]]> http://www.creditcardsbyweb.com/questions/credit-card-prepaid/14485-prepaid-visamastercard-credit-card-in-jamaica/feed 1 Credit Cards Trouble-Help!please?http://www.creditcardsbyweb.com/questions/balance-transfer/14484-credit-cards-trouble-helpplease http://www.creditcardsbyweb.com/questions/balance-transfer/14484-credit-cards-trouble-helpplease#comments Fri, 18 May 2012 07:07:31 +0000 jessica http://www.creditcardsbyweb.com/questions/balance-transfer/14484-credit-cards-trouble-helpplease Continue reading →]]>
Britt

Credit Cards Trouble-Help!please?

I have four credit cards and one credit Line limit $ 3000 and i have a zero balance on it, but all my credit cards are maxed out or almost. 1. America Express Limit $ 2000 used $ 1400 needs to be pay APR is 12.99% will soon increase 2. Visa Limit $ 2000 used $ 800 needs to be pay APR is 15.99% 3. Master Card Limit $ 900 balance $ 700 needs to pay APR is 14.99% and 4. Visa Limit $ 500 balance $ 450 needs to be pay APR is $ 15.99 will increase next month. My question is should i transfer all the balances on my credit cards to my Credit Line that have a zero balance with a 19.99% fixed APR? If i do transfer i plan on canceling the two cards with a less credit Limit, will that be a good idea? i know it will lower my score/fico but i don’t plan on using credit any time soon, so can i still cancel?
yea i kno and i have not used any of my credit cards for three months now……….i charged the $ 1400 and $ 700 on two of my cards for car repairs when i got into a Nasty Car Accident but i have not used my credit cards ever since. I just wanna pay them off now……kno wha i mean=)

]]> http://www.creditcardsbyweb.com/questions/balance-transfer/14484-credit-cards-trouble-helpplease/feed 5 I can’t pay my company LLC credit card debt. What is the worse that can happen?http://www.creditcardsbyweb.com/questions/credit-card-business/14483-i-cant-pay-my-company-llc-credit-card-debt-what-is-the-worse-that-can-happen http://www.creditcardsbyweb.com/questions/credit-card-business/14483-i-cant-pay-my-company-llc-credit-card-debt-what-is-the-worse-that-can-happen#comments Fri, 18 May 2012 07:05:22 +0000 jessica http://www.creditcardsbyweb.com/questions/credit-card-business/14483-i-cant-pay-my-company-llc-credit-card-debt-what-is-the-worse-that-can-happen Continue reading →]]>
David G

I can’t pay my company LLC credit card debt. What is the worse that can happen?

I have a small business LLC which folded recently, and I can’t pay off the company credit card debts. What will happen to the company, and to me?

]]> http://www.creditcardsbyweb.com/questions/credit-card-business/14483-i-cant-pay-my-company-llc-credit-card-debt-what-is-the-worse-that-can-happen/feed 1 How can I lower interest on credit cards? and lower the minimum payment?http://www.creditcardsbyweb.com/questions/debt-consolidation/14482-how-can-i-lower-interest-on-credit-cards-and-lower-the-minimum-payment http://www.creditcardsbyweb.com/questions/debt-consolidation/14482-how-can-i-lower-interest-on-credit-cards-and-lower-the-minimum-payment#comments Fri, 18 May 2012 07:05:20 +0000 jessica http://www.creditcardsbyweb.com/questions/debt-consolidation/14482-how-can-i-lower-interest-on-credit-cards-and-lower-the-minimum-payment Continue reading →]]>
grimseraphim

How can I lower interest on credit cards? and lower the minimum payment?

I am working with a non-profit to help people in the community with debt consolidation and budgeting. I am looking for tips, suggestions, strategies and proven methods for debt consolidation/credit counseling. Also, in need of assistance brainstorming for budgeting for people of various ages and lifestyles including money saving ideas on:
mortgage/rent
homeowners/renters insurance
property taxes
home repairs/maintenance
home improvements
electricity
water/sewer
natural gas/oil
cable bill
internet service
telephone land line
cell phone
college tuition
groceries
eating out/restaurants/lunches/snacks
child support
alimony
day care/babysitting
insurance(medical,dental,vision)
medical expenses/ co-pays
Fitness(yoga, massage, gym)
car payments
car gasoline/oil
auto repairs/maintenance/fees
auto insurance
transportation(tolls, buses,subway)
credit cards
student loans
other loans
clothing/dry cleaning
toiletries, household products
gifts/donations(e.g.)church
grooming(hair, make-up, other)
miscellaneous expenses
Please any help is greatly appreciated!

]]> http://www.creditcardsbyweb.com/questions/debt-consolidation/14482-how-can-i-lower-interest-on-credit-cards-and-lower-the-minimum-payment/feed 3 Recently denied a credit card?http://www.creditcardsbyweb.com/questions/credit-card-student/14481-recently-denied-a-credit-card http://www.creditcardsbyweb.com/questions/credit-card-student/14481-recently-denied-a-credit-card#comments Fri, 18 May 2012 07:04:37 +0000 jessica http://www.creditcardsbyweb.com/questions/credit-card-student/14481-recently-denied-a-credit-card Continue reading →]]>

Recently denied a credit card?

So I applied for a Citi Student Card and got gracefully denied. It said in the e-mail that I have 30 days to mail them my credit report for reconsideration. Now, what I was thinking of doing to help my odds:

-Mailing my latest pay stub with the credit report
-Maybe my latest credit card statement
-Slipping a $ 20 into envelope. Maybe this will convince them the most?

Now, I applied 1 month to early! I have had my first credit card for 5 months, with all 5 months PIF. I have a TU score of 728, but not EX, which they checked. Anyway, do you think that $ 20 will convince them?

]]> http://www.creditcardsbyweb.com/questions/credit-card-student/14481-recently-denied-a-credit-card/feed 1 How bad does a foreclosure hurt your credit and can you ever buy a home again?http://www.creditcardsbyweb.com/questions/foreclosure/14480-how-bad-does-a-foreclosure-hurt-your-credit-and-can-you-ever-buy-a-home-again http://www.creditcardsbyweb.com/questions/foreclosure/14480-how-bad-does-a-foreclosure-hurt-your-credit-and-can-you-ever-buy-a-home-again#comments Fri, 18 May 2012 06:14:21 +0000 jessica http://www.creditcardsbyweb.com/questions/foreclosure/14480-how-bad-does-a-foreclosure-hurt-your-credit-and-can-you-ever-buy-a-home-again
ls1016ks

How bad does a foreclosure hurt your credit and can you ever buy a home again?

]]> http://www.creditcardsbyweb.com/questions/foreclosure/14480-how-bad-does-a-foreclosure-hurt-your-credit-and-can-you-ever-buy-a-home-again/feed 15 Refinance Car BEFORE or AFTER trying to obtain a mortgage?http://www.creditcardsbyweb.com/questions/refinancing/14479-refinance-car-before-or-after-trying-to-obtain-a-mortgage http://www.creditcardsbyweb.com/questions/refinancing/14479-refinance-car-before-or-after-trying-to-obtain-a-mortgage#comments Fri, 18 May 2012 06:08:00 +0000 jessica http://www.creditcardsbyweb.com/questions/refinancing/14479-refinance-car-before-or-after-trying-to-obtain-a-mortgage Continue reading →]]>
Iamme1979

Refinance Car BEFORE or AFTER trying to obtain a mortgage?

Husband is trying to refinance his car, and his bank can DRASTICALLY lower the interest rate. BUT they wont cover the full loan. Leaving about 11K financed, and almost 2K on a separate unsecured loan (because a little upside down on carnote because of high interest rate). Is this NOT GOOD to do before trying to obtain a mortgage in 6 months!? We dont have GREAT credit, but it’s FAIR, and will have 3-4% down (possibly more, anywhere up to 10%), trying to obtain our first home. The lady at the bank, said the unsecured loan, may reduce his credit score temporarily, but he needs it because he doesnt have much credit. I am torn between a FAIR CReport, and a chance to get a house with our money saved, and refinancing his car, risking his score going down (BAD), but him HAVING credit (GOOD). What should we do? All collections and anything like that has been paid off, not much debt at ALL Between both of us other than his carnote. (One credit card of mine, that has a 300 limit, and a $ 50 balance).
With that said, with my small credit card, should I leave the balance on it, or just constantly buy and pay off, buy and pay off, does that really help, or just keeping a small amount on the card, so your debt to income ratio is good. (not maxed out).
Help.

]]> http://www.creditcardsbyweb.com/questions/refinancing/14479-refinance-car-before-or-after-trying-to-obtain-a-mortgage/feed 3 What is the best way to buy things on ebay without a credit card?http://www.creditcardsbyweb.com/questions/credit-card-prepaid/14478-what-is-the-best-way-to-buy-things-on-ebay-without-a-credit-card http://www.creditcardsbyweb.com/questions/credit-card-prepaid/14478-what-is-the-best-way-to-buy-things-on-ebay-without-a-credit-card#comments Fri, 18 May 2012 03:20:13 +0000 jessica http://www.creditcardsbyweb.com/questions/credit-card-prepaid/14478-what-is-the-best-way-to-buy-things-on-ebay-without-a-credit-card Continue reading →]]>

What is the best way to buy things on ebay without a credit card?

I am 17, I would rather do this with no parental involvement.
I was thinking either a prepaid credit card (not sure about age limit)
OR
a visa gift card (not sure if that can be used on ebay/paypal)
No, I don’t have a debit card. I only have a savings type bank account. Will a visa gift card work?

]]> http://www.creditcardsbyweb.com/questions/credit-card-prepaid/14478-what-is-the-best-way-to-buy-things-on-ebay-without-a-credit-card/feed 4 Does converting a credit card affect the account age?http://www.creditcardsbyweb.com/questions/balance-transfer/14477-does-converting-a-credit-card-affect-the-account-age http://www.creditcardsbyweb.com/questions/balance-transfer/14477-does-converting-a-credit-card-affect-the-account-age#comments Fri, 18 May 2012 03:06:53 +0000 jessica http://www.creditcardsbyweb.com/questions/balance-transfer/14477-does-converting-a-credit-card-affect-the-account-age Continue reading →]]>
CelestialDream

Does converting a credit card affect the account age?

I have had my $ 1,000 Crapital One “Platinum Reward Visa” for almost five years now. I opened the card when I was 17, & I have never been late. Being my single oldest revolving credit line, I can’t just close it. My FICO score would take a nose-dive.

I have tried time & time again to have my miserable $ 1000 limit increased, & they just keep denying me & sending me crap balance-transfer offers in the mail. I finally got a CSR on the phone tonight to make me an offer, a $ 3,200 limit…

All 3 of my credit reports are immaculate, I have $ 0 revolving debt, & as of last week my Trans/Union FICO was 771!

I plan on using the card every six months on a 10 cent package of ramen noodles, just to keep it open until I have a long enough credit history to sock-drawer it forever.

Until that time, I am now thinking that converting said Crap1 card, to another worthless Crap1 card, maybe my only shot at a decent Credit Limit.

My concern is that it may affect the length of the account in my credit report. Is this at all possible, or do they just carry-over the “date opened” from the original card, to the new card?

Everyone has a horror-story in regards to Crap1, but if your experience applies directly to my situation, I am open to advice on an increase anyway I can get it…

]]> http://www.creditcardsbyweb.com/questions/balance-transfer/14477-does-converting-a-credit-card-affect-the-account-age/feed 2 Have I been scammed by Trilegiant and my bank? How do I stop it?http://www.creditcardsbyweb.com/questions/credit-card-business/14476-have-i-been-scammed-by-trilegiant-and-my-bank-how-do-i-stop-it http://www.creditcardsbyweb.com/questions/credit-card-business/14476-have-i-been-scammed-by-trilegiant-and-my-bank-how-do-i-stop-it#comments Fri, 18 May 2012 03:05:27 +0000 jessica http://www.creditcardsbyweb.com/questions/credit-card-business/14476-have-i-been-scammed-by-trilegiant-and-my-bank-how-do-i-stop-it Continue reading →]]>
Elizabeth S

Have I been scammed by Trilegiant and my bank? How do I stop it?

I’ve been researching issues on credit card scamming and bank scamming. (Some people are cashing checks and being charged mysterious fees, others are enrolling for credit protection, and some have no clue why these extra monthly fees are popping up on their cards). I received the following information about how to stop a Trilegiant scam. (I hope this helps).

And I was wondering has this happened to you? And how did you stop it?

Details: Trilegiant is behind more consumer abuse. Take action and contact Freed & Weiss – info @ freedweiss (dot) com (No Spaces), or call, toll free 866.779.9610

Here’s more information:

Customers of websites like 1-800-Flowers.com, Travelocity, Shutterfly, and Orbitz are reporting mysterious monthly reoccurring charges to their credit cards.

Thanks to marketing tactics (i.e., those pop-up windows) used during check out, without proper consent consumers are accidentally joining club memberships and having to pay for them monthly!

Most people don’t even realize they are being charged every month for a service they never ordered!

Is this happening to you? Have you made a purchase for travel, work, or fun using any of the following sites:

1-800-Flowers.com,
Hotwire.com,
Orbitz,
Classmates.com,
Barnes&Noble.com,
Ticketmaster.com,
Avon.com.
Budget,
Staples.com,
Travelocity,
Expedia/Hotel.com,
Columbiahouse,
Buy.com,
FTD,
Intelius,
Gamestop/
EB Games.com,
Airtransholdings.com,
Continental Airlines,
Shutterfly Inc.,
US Airways
Vistaprint USA
Redcats USA
Pizza Hut
Movie Tickets.com
GMAC Mortgage

Join this cause to learn more and stop the consumer abuse from Trilegiant.

AND PLEASE CONTACT FREED & WEISS IMMEDIATELY if you – or anyone you know – has reoccurring charges after purchasing from any of these companies.

Contact Freed & Weiss by emailing: info @ FreedWeiss (dot) com (No Spaces), or calling: (312) 220 – 0000, or toll free (866) 779 – 9610

Help Spread the Word to Your Friends!

What should I look for? Mysterious charges involving the business practice of Trilegiant/Affinion and Verture include the following membership programs:

LiveWell,
Great Fun,
Shopping Essentials,
Privacy Guard,
Shoppers Advantage,
Travelers Advantage,
Buyers Advantage,
Privacy Guard (or Credit Alert),
HealthSaver,
Netmarket.com,
CompleteHome,
Great Options,
Everyday Values,
Auto Advantage,
Complete Savings,
HealthSaver,
Just For Me,
Everyday Privileges Gold,
IdentitySecure,
CardCops,
PC SafetyPlus,
and Hot-Line

Banks issuing the credit cards and processing unauthorized charges on your account include: Visa, MasterCard, Discover, American Express, Chase, Bank of America, US Bank.

CHARGES WILL APPEAR ON YOUR CREDIT CARD BILLS WITH CRYPTIC DESCRIPTIONS SUCH AS: TLG*LIVWEL15130916JUL 800-7932318 CT.”

What can I do?

Contact us immediately, if you or someone you know has been charged mysterious monthly recurring fees after making purchased as any of the online companies.

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