Posts Tagged ‘cards’
in new york state if I was to die and carried unsecured credit card debt would my wife be responsible to pay?
my father has about 40,000 in unsecured credit card debt, the cards are in his name only with no co-signer. he has terminal stomach cancer and is now going to hospice care, he is very worried about this debt. in new york state when he passes away is my mother going to be responsible to pay these cards off? she is on a fixed income with not much [...]
What is the best retail credit card that can help build and repair my credit?
I am in the process of repairing bad credit and building good credit. I have contacted debt collection agencies and have gotten a couple of my negative hits removed completely. From what I have read, one of the best ways to start building good credit is by obtaining a retail credit card. I am not concerned about the interest rate, I am looking for [...]
should I try to change an HR's person's mind about hiring me?
So, I interview for this customer service position at a company that is 10 minutes from my apartment. I interviewed with 3 different people and all of the interviews went well. I send out thank you cards to all the people that interviewed me and then followed up with the company about a week after my interviews. I get a call from someone in the HR [...]
should I try to change a Human Resources person's mind about hiring me?
So, I interview for this customer service position at a company that is 10 minutes from my apartment. I interviewed with 3 different people and all of the interviews went well. I send out thank you cards to all the people that interviewed me and then followed up with the company about a week after my interviews. I get a call from someone in the HR [...]
I want to transfer existing balances from 3-4 credit cards of like 5k each to one account, whats best solution?
I have about 20k in credit card balances across 3-4 cards. I want to close those and transfer the balances or pay them off with a new line. I doubt I can qualify for a 20k line of credit right now because of the conditions. What is my best alternative to making this happen, does anyone know? can someone make as many suggestions as possible as [...]
I want to go self employed and deliver Alcohol and Tobacco…?
I am starting a business which involves delivering Alcohol and Tobacco. Do I need a Personal License or do I need a Premises License? Or both? I have a feeling its both. What are the processes in obtaining both of these licenses, for example, I know a Premises License involves paying a non-refundable £100 but would I have to go to court or [...]
Can anyone tell me about professional debt arbitrators?
Their brochure mentions "customized savings plan" and says generally they have average settlement of approx. 35% of balances owed. This outfit has an "Inc." and does charge fee according to debt amount. About how much? Anyone know??? If someone could better explain this I'd know whether or not this is my best way of getting out [...]
Question about Best Buy financing?
Okay, so I called Best Buy's financing dept. and told them I was interested in financing a TV. The guy then ran me through a process of reinstating a credit account of only 0 (that's the limit I had before I closed my account with them). With this in mind, the TV I want to finance is ,600. How in God's name can I do this with a 0 limit? [...]
how can i plug a credit card machine into my cell phone?
I'm looking to avoid the ridiculous cost of a land line for my business. I already have a cell phone for business use. Is there a way to connect a basic credit card terminal into a cell phone? If not, what would be the most cost effective way to accept cards? This is a small restaurant and service needs to be speedy!
How should I invest the money I have acquired?
I opened a small business from home a year ago and it is still in operation. Last year I made saved ,000.00. I want to purchase a home with that money (0,000.00) but my personal credit score is still below 620. I have paid everything off, written to my credit companies, and have tried getting a new line of credit, etc... i also incorporated my [...]
Are there any consumer credit cards that provide 3rd level detail (item level) on purchases in statements?
3rd level detail information on credit card statements is line-item information. I know that some small business oriented credit card companies can provide this level of detail on statements. Are there any consumer-focused cards that provide this level of information? I'm trying to monitor my spending. When I buy stuff from Super Target, for [...]
how long does it take for a credit application to show up on my credit report
i've heard that the process of applying for credit is reported and that one's eligability is judged in part by how much credit is being applied for. but i want to apply for multiple cards so that i may chose the best. how can i do this without hurting my chances of approval.
What's the best category for the following question?
I asked this in Credit, corporations, and Internet other and still got no ligitimate answer! I asked on another account What's the best category for: "I tried making a purchase at Macy.com but when I entered my visa check card info it said it was unable to process request and to use different card. I have no other card! No other store [...]
I am interested in buying a home, but my credit is bad, what is my best option?
I have a number of delinquencies on my credit report (charged off cards, med bills, etc all over 3 years old) and my score is is between 500 and 600.I know the economy is hurting, houses are foreclosing; and banks are doing some nifty things right now. If I was attempting to try and make a purchase in September, to assure the bank would even work [...]
Do I stay current on my home mortgage or unsecured credit cards?
I recently got laid off from a second job. I used this to keep current on my unsecured debt(Over 50k) we had a rough couple of years with medical and household expenditures. Between my wife and I through our primary jobs we can keep current on our home loan and keep the household budget going along. I just won't be able to make all the current [...]
can my son sue me for credit card fraud even though he gave me permission to use them and I made the payments
My son andI talked and agreed that it would be a good idea for him to accept a couple of the pre approved credit card offers he had received in the mail to start building him some credit. The deal was I would keep the cards use them for things we needed and I would make the payments since I had much more money coming in at the time. Everything was [...]
How often should I use a credit card to keep it "active"?
I'm several years into the process of repairing my credit after stupid youth + a divorce, and I have a few old cards that have insultingly high APRs. The companies refuse to negotiate (even though my credit score is more than 200 points higher these days - getting close to 700), but I don't want to close them for fear of losing too much credit [...]
How does the concept of debt consolidation work? Especially as it applies to credit cards.?
I am trying to help someone who has aboout ,000 in credit card debt, spread over 6 cards, get things turned around. Is there anyone who knows the options they have and which processes are the best. Any help is greatly appreciated.
Is there a difference between secured and unsecured credit cards ON YOUR CREDIT REPORT?
I know the difference between the two cards, but I want to know if there is a difference between the two on your credit report. For example, would it be more beneficial to have an unsecured card for your credit score? Or does it not make a difference which card you have?
Looking for a good retail merchant account?
Here's a quote I've received from one company. Looking for a better deal if anyone knows of one: Here's their terms for swiped cards: Visa/MC rate: 1.69% + {content}.20 per transaction Visa/MC Debit rate: 1.49% + {content}.20 per transaction Monthly Gateway Fee: {content}.00 Monthly Statement Fee: .00 Monthly Minimum: [...]
Can someone explain the entire credit card process;who makes money after my card is swiped? First Data?
I'm looking to see how a company like First Data or Mastercard makes money. I read that JPMorganChase decided to move away from First Data to process their cards. Can someone explain how First Data makes money (not via Western Union)? Am I to understand that they "process" the credit card or debit payment? So if they process [...]
how does the whole credit card consolidation process work?
i have\ about ,000 or more of credit card debts and i really want to pay it all but just can't so soon as am a single working mother with two kids... my credit rating is the lowest and all my cards have gone to collection agencies and attorneys have been calling and i can't answer i can't pay so much at one credit card alone and i want to have one [...]
What exactly is a merchant account? & what bank is the best as far as merchant accounts go?
I am a Passion Party consultant & I want to accept crredit cards but I keep hearing I should get a merchant account. What exactly is it & what are some of the fees? Which bank is best? Thanks in advance.
