Archive for the ‘Credit’ Category:

Current best credit card offers?

What is the best Credit Card gimmick offer right now? (redux from 2008)
and how can they afford to give 75,000 miles for $1000 in purchases?

Original text: Current best credit card offers?


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Seeking tips on getting fast service from Discover Card customer service.

Need tips on working with Discover Card customer service. We have not yet contacted Discover. I’m hoping the mefites can offer some strategies to help get very quick service. Trying to help a friend correct a credit report problem:

Friend is applying for a loan. Credit check showed a late payment reported by on Discover Card. Loan company needs a letter from Discover, stating that the late payment fees were forgiven and refunded. With the letter, my friend can get good loan terms on a provisional basis, and then work on getting his credit history corrected.

Background:
Earlier this year my friend was charged in error by a vendor. It took a couple months to resolve the issue. Discover posted late fees for two months, which he did not pay. When the issue was resolved, Discover credited the two late fees. This is all visible on the Discover statements. (Loan company will not accept the statements as proof.)

It seems that Discover reported his lateness to the credit agencies, but did not report the forgiveness. (Yes, my friend should have been more proactive and diligent.)

He does not use this Discover account very much. Aside from this issue, his credit history is very good.

What is the best, fastest way for my friend to procure this letter from Discover?

Original text: Seeking tips on getting fast service from Discover Card customer service.


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$20,000 in CC defaults: starting over

I’m about to default on a lot of CC debt, how do I start rebuilding right away. I got in over my head with credit cards (almost $20,000) and then lost my job. Citi, Chase, and a large credit union are the primary debt holders. Had/have almost no money to work out repayment and even their reduced offers were just too much. It looks like my situation will improve markedly in the next few months, and I want to get my credit in «recovery mode» as soon as possible.

Good things:
a. I have a car loan that I’ve managed to keep 100% on time with Chase and I’ll continue to do so until it ends in 2013.
b. I have a tiny Orchard Bank card with a $300 limit I’ve kept going for deposits on hotels and rental cars.
c. I have no assets. Sadly, this is a «plus» in my situation.

I’m 28 and involved with a woman I think I’m going to be building a life with. My main concern is eventually getting a mortgage. I’d like any experiences similar and had a few specific questions.

1. Defaults will begin in a few weeks according to letters. Is bankruptcy an option worth exploring?

2. Can you «settle» with debt collectors? Bargain on price? Is it possible to rebuild without fully paying your existing debts off? (Also, please don’t derail into morality of paying off debt)

3. Are any of those «rebuild your credit!» cards worth it? The ridiculous fees and all?

4. Any advice on dealing with debt collectors? I have GoogleVoice, so I guess any help with setting up something like «nobody outside of these area codes rings to my phone» would be awesome.

Any additional questions: email is screwedcreditmefi[at-ta]gmail.com

thank you

Original text: $20,000 in CC defaults: starting over


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How can I get a credit card with no credit?

I need a credit card. I am 22, and have never had a credit card. I have no credit. What do I do? I’m 22, and I’ve never had a credit card. I also don’t have any student loans, mortgages, car loans, etc, so I don’t have any credit history with the major credit bureaus. I have about $200 left in medical debt, and will pay that off by the end of January.

I’ve applied for an Amex and for a card with my Big Bank (rhymes with «Shitty»). I’ve been denied for both. I know that secured cards exist, where I have like a $250 limit and have to pay in advance, but those seem to be usurious and have tons of fees.

I have a decent, full-time job, and make in the low $30k. I am probably going to have to travel abroad for work this year, though, and I will need to have a card to put my flight, hotels, etc, on.

I’ve heard college student cards are easy to get. I still have a .edu email address. Can I get a student card? How bad is it to lie and say that I am still a student?

If this is a horrible idea, what are my options and how do I get a card?

Original text: How can I get a credit card with no credit?


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How do I get one more hour (credit) at the last minute?

I’m transferring in the Spring (January) and by my stupidity and ignorance, I am short of one credit to transfer. They need 60, I only have 59. I’ve found out recently that a 3 hour credit class I took is not going to transfer.

I’m in a community college in the San Francisco Bay Area. I have been admitted, but can be rejected because of this. I really don’t want to stay here for just one credit.

I need your help. They don’t have any winter session classes and the last class I can take is about smog check (I don’t even have a car!). I asked both my photography and philosophy professors about receiving an extra hour credit; however, the head of the department seems uncooperative. Although its understandable since its almost the end of the semester.

Has anyone gone through this miserable hellhole of a predicament? Are you guys aware of any other way I can have that one elusive credit? :(

Original text: How do I get one more hour (credit) at the last minute?


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What if I just throw them away?

What would happen if I stopped paying my credit card bills? I’ve got really good credit, own my home (mortgage but we have some equity), a good job. And a bunch of credit card debt.

In very practical terms, what would happen if I just stopped paying them and threw the bills in the trash every month? All total, we’re talking about roughly $20K, spread across four different companies. Would my house be in jeopardy? Could they garnish wages? Would anyone other than me and the CC companies find out? Is there a chance it would be written off as uncollectable?

(Not interested in exploring the ethics of this, BTW.)

Original text: What if I just throw them away?


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Consequences from getting a credit card as a minor?

When I was a dumb 16-year-old, I got a credit card from one of the largest issuers in the US. On the application, I was 100% truthful, except that I added 3 years to my DOB so that I would be over 18. I paid the card off in full, and closed it. I’ve also filed disputes with credit bureaus to correct my DOB. Are there any other ramifications I’m not considering? Posted anonymously in case this might put me in jail. Send private comments to enolatipac[at-ta]hush.com.

Original text: Consequences from getting a credit card as a minor?


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Riddle me this. Credit card style.

Is the Fidelity Retirement Rewards card the right one for me? If not, which one is. TL DR version: which is the best rewards credit card to pay off ~$200 in spending each month.

I received a solicitation a few months ago for the Fidelity Retirement Rewards AMEX and I’ve been considering it on and off since. I like that it offers a manner of contributing to retirement. I do have both a 401(k) and ROTH IRA but I’m not able to fully fund either.

I know about bankrate for evaluating cards, but I find it harder when what I’m looking for isn’t necessarily one of the choices. I’m used to looking for teaser low APR or balance transfer, but I don’t need either in this case.

I recently balance transferred a chunk on my AMEX to a lower rate offer in order to keep that from continuing to mushroom. My spending habits are much better than they were but my credit card debt is as follows:

*15K on a mixed low/still pretty good rate BT. The low rate is «for life» and while I know they can change that, my credit is solid and I don’t think they will. Still pretty good is .99 for 18 months (April 2012) and is 7.99 when the promo ends. I had paid down almost all of the really low rate until this BT which was from a 15%

*3.5K on the AMEX. Couldn’t BT it all. Aim to pay this off within six months. This has been my primary card for ~4 years. Great rewards (Starwood) but high APR and AMEX isn’t taken everywhere.

The issue is I don’t want to continue to charge to the AMEX while paying it off. The charges that I foresee (and pay off every month) are as follows:
cable/internet bill, gym membership and weight loss plan membership. Total is ~200-210/month. Others I can and do pay cash/debit from bank account for. Budgeted for without a problem. Issue with spending on the AMEX was I’d see the bill was so high – why not charge more. I’ve moved away from that byt I believe a monthly clean slate will help me keep to that. This spending would let me hit the minimum on the AMEX to get the $50 to my IRA, but I don’t know if there’s something more beneficial I should be looking at.

I have other cards and very good credit (760+ real FICO) but none are much, rewards wise. An Amazon VISA (find it just encourages spending I don’t need to do), a Continental Mastercard from when I used to travel more and a Discover (not widely accepted). Is there another card I should consider? Something else entirely? I prefer one that doesn’t give gift cards because it just encourages spending I don’t need.

TIA for your assistance. Throwaway email for questions/etc: credit_card_debt[at-ta]ymail.com

Original text: Riddle me this. Credit card style.


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eFax Ripped Me Off, Mastercard Won’t Help

Efax notified me that they’d billed me hundreds of dollars to auto-renew my totally sucky membership. I called and asked to cancel, and they said no problem, they’d cancel me and refund my credit card. Then….nothing. Repeat. Same result. Seems to be the scam where they hope X% of customers don’t notice refund hasn’t gone through. So….I disupted charge with Mastercard. And they refuse to do anything. Mastercard told me «This charge is from a merchant that automatically charges your account at periodic intervals until you or they cancel this agreement. The disputed charge is considered valid since it was either made prior to the cancellation date or posted less than 15 days after you cancelled ith the merchant. We look forward to providing you with the best possible service».

One potentially helpful wrinkle: at some point in the last year I changed my billing info to a fake name and address in the hopes that the auto-renew would not go through (there was no other clear method for blocking the auto-renew, and I – smartly – didn’t trust their reps to turn it off for me). It obviously did go through. But is this of any help for me? Can I have Citibank demand proof of the transaction, and hopefully see that they had me all wrong?

BTW, did I mention eFax totally totally sux?

Original text: eFax Ripped Me Off, Mastercard Won’t Help


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Catch a transfer by the toe, lest it catches me…

Is this balance transfer offer Citibank sent me a good idea? There’s always a catch, right? What’s the catch? I have some credit card debt I’d like to be rid of. I’ve been paying it off, getting ahead of it, but I’d like to be rid of it as quickly and as cheaply as I can.

I got an offer in the mail for a Citi Divided World MasterCard, and one of its perks is a 0% APR on balance transfers until February 2012 (and 12.99 after that).

The two balances I’ve been paying down are the following:

$4072 on an eBay MasterCard with a 23.99% APR (yeah, I know. It seemed like a good idea at the time, and then I ran it up.)
$3850 on a Discover card with a 12.99% APR (it varies a little each month, but that’s what it was last billing cycle)

0% from now until February of 2012 sounds very attractive in theory (I imagine that’s the idea), but I know that no one is doing any favors for me; I know there’s a benefit to Citibank if I take them up on this. I’ve read through the fine print that came in the envelope–there’s a 3% fee on transferred balances, for instance–but I know it can’t possibly be that easy. I figure one or two of you have done things like this before, so before I either mail in the application or run this through my shredder, I wanted to see if this was a good idea or not.

Related: what happens if they decide they don’t want to transfer all of my current balance? Is there any way to find out what they’ll transfer before I get stuck with a card I don’t particularly want?

Original text: Catch a transfer by the toe, lest it catches me…


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Not spending any money, being frugal, and DIY

Blogs for this EXTREMELY BROKE moment of my life? The best blogs about being frugal, DIY, crafty, freegan, coupon-clipping, urban homesteaders, or just plain broke? I am looking for blogs about how to live the good life without spending money, and about how to deal with financial difficulties.

I’m trying to figure out how to do most everything without spending money these days. I need to:
- eat (by couponing, dumpster-diving, growing my own vegetables),
- travel (by repairing my bike, while selling my car),
- blend in at the office (by bathing with homemade or free toiletries, mastering the DIY haircut, reviving my worn-out wardrobe at Goodwill or otherwise),
- celebrate the holidays (by making cards and presents, by somehow aggregating or trading credit card points for one rental car trip I must make),
- do minor house repairs (using the tool lending library and recycled building materials),
- and keep my health and spirits up during this hard time (by making healthier food and exercising despite the dark).

Just as one example, I recently realized that the cheapest way to eat would be to plant these seeds I had sitting in my cupboard. So now, I have all these tiny vegetable seedlings. They’ll need bigger pots soon, so I’m looking for free/cheap containers, soil, and compost. Some blogger must be all over this, right?

And I’m aware that people can make their own soap and cleaning supplies, but how? Everything is a new research project. I’d love to find good blogs to help, be they about one category (frugal eating, frugal crafting), or be they about others’ adventures in dramatically cutting expenditures.

The other category of blog I’d like is personal finance by or for people who have experienced financial emergencies. I know and love several of the most popular personal finance blogs, but their audience seems less broke than I am at the moment. Much of the information still applies, but I’d also like to find one with stories like «Protecting your credit during this difficult time.»

I found a few great Ask Metafilter questions on frugal living or frugality blogs, but if you remember one, I’m sure I haven’t found them all yet. Most of all, I am looking for blogs and bulletin boards so that I can get ongoing advice and a sense of camaraderie.

Original text: Not spending any money, being frugal, and DIY


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Wanted: Means to Make Restitution

Help me pay off debts I incurred in the US 10 years ago. I’ve been living abroad ever since. Apologies for the length of this.

I left the US in 1999, leaving behind a mess of unpaid bills, BMG CDs at regular price unbought, student loans, parking tickets, auto insurance premiums, bank accounts overdrawn by small amounts, etc. To be perfectly honest, I don’t even know what all the loose ends are that I left untied. I never intended to defraud or cheat anyone out of money I owed them, I was just too much of a mess, in terms of procrastination and disorganization, to take care of things that I needed to take care of. So, for example, there were bills I didn’t pay, but I also didn’t file my taxes, even though I knew I was owed a substantial tax refund.

In the ten years since, I have been a fine upstanding citizen, but I’ve scared myself enough that I have never kept a credit card, because I’m not sure that I’m organized enough not to create a similar chaotic situation for myself again.

I feel terribly guilty about these things, and would like to figure out how to pay off what I owe, with a minimum of negative conseuences, while continuing, for the time being, to reside in another country, but visiting the US occasionally.

To that end, I seek your advice.

Some of the questions that occur to me are:
1) How do I find out what I owe, and to whom? I don’t have any means to make an online payment myself, and when I try to access my free credit report get a message that I need to be within the US to make that request. Is a credit report the only or best way to get this information?
2) Will seeking this information send a horde of collection agencies after my family members (parents, siblings) in the US, particularly since I do use their address for things like reporting to the US embassy, etc.?
3) Once I find out what I owe to whom, how can I start paying them back without calling down the aforementioned horde of collection agencies on myself when I visit the US and my family who lives there?
4) Are there other potential negative consequences that I should consider?
5) My spouse does not know about this mess, and I would prefer to keep it that way, at least until I’ve figured out how to proceed. Is that going to be impractical? Not asking for relationship advice here, please.

Any and all relevant advice would be appreciated. If there are questions I’m not asking that I should be, please point them out.

Other potentially relevant information:
1) The largest sum of money would be the student loan, which, with penalties and such, is about $20,000. I know this because I did, in fact, try to start a repayment plan on this, but it fell apart in the face of logistical problems with inter-country wire transfers. It is incredibly difficult to do international banking with the US.
2) Other debts, the principal would not be more than $150-200.
3) Some of the debts were already in collection before I left the US.
4) I am a dual citizen of the US and my country of residence.

I hate that I ever allowed myself to be so delinquent. In the years ensuing I have made sure that nothing similar happened again in my financial life. Please help me make amends.

Email for followup and questions is helpmepaymydebtsmefi[at-ta]gmail.com

Original text: Wanted: Means to Make Restitution


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How does credit insurance/debt cancellation work?

Will credit insurance programs pay if the individual is aware of and has been notified an upcoming layoff prior to enrollment? YANML: I was recently notified that my position is being terminated this coming April. I intend to stay at my job until my separation date to take advantage of a retention bonus, and I’m not in any rush to rejoin the rat race.

A couple weeks back I acquired a credit card that offered credit insurance that would forgive my balance if I became involuntary unemployed for more than 90 days. If I enroll in this program now, use the card and pay the insurance premium, will my debts still be erased when I’m laid off? I’m worried that I would be exempt because I had been forewarned about my pending unemployment. And I won’t get the full terms of service from the lender until after I sign up for the program.

Moral ambiguity aside, if I apply for other credit lines with this type of program, knowing that a 90+ day unemployment period is most likely on my horizon, is it likely the charges will be forgiven?

Original text: How does credit insurance/debt cancellation work?


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Can I get a loan/refinance a house without regular, steady income?

Is it going to be difficult for me to refinance my house .. and get a car loan .. or a loan of any type not having a regular income? I *just* started working as a freelance developer after a summer in Ecuador. Things are great, but I don’t have a regular, steady income. Its more sporadic and comes from a few different clients.

I don’t have a problem paying my bills and my credit score is *excellent*.

Is it going to be difficult for me to refinance my house .. and get a car loan .. or a loan of any type .. with me not having a regular, steady source of income?

Original text: Can I get a loan/refinance a house without regular, steady income?


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What was foreclosure like for you?

Financial-Trainwreck-Filter. What was your foreclosure experience like? What about your experience with just having bad credit? Where could I get inexpensive legal foreclosure advice? Is there a good repository of people’s foreclosure stories on the web somewhere? My story is like so many other people’s, and I don’t think I can hold onto this house unless I want to start sacrificing my (even-)long(er)-term financial future. I’m trying to find out what it would be like to go into foreclosure and have bad credit for the next five years or so.

Relevant details: Bank of America, HUD/FHA loan, in northern California. I owe $155k on the loan but could probably sell it for only $60k-$80k (given the repairs needed). I lost my job, and by the time I found another, most of my savings were gone. This new job pays less. So I’m current on all accounts, but now my income barely exceeds minimal expenses even after taking on roommates, and cutting and deferring everything I can. (My student loans, for instance, can only be deferred for five more months before I have to pay them again.) After one emergency repair, I now have $10k in credit card debt that is starting to drag down my otherwise good credit score and that I’m itching to pay off (I had no debt for several years leading up to the purchase). I could catch up within a year if I went back to renting, but being underwater, I can’t sell. My small cash reserve could easily be gone if I were to lose my job or have some other additional emergency (and already there are house repairs needed that I cannot afford), so this is not sustainable over the long term. I’m starting to think I have to use the cash I have left to get through a foreclosure.

What was your foreclosure experience like? Did you just send them the keys? How long did it take for them to foreclose on you? I’ve heard of banks refusing to foreclose — did that happen to you, and was there anything you could do, or were you stuck in a long-term limbo? Did you pay your property tax and home insurance during the limbo time? What was the credit score hit? When did it hit your credit report in relation to the different phases in the foreclosure timeline? How fast did your credit rebound? I know my credit card lines will be slashed, and that I should secure a place to rent before the credit hit happens. I don’t need a good credit score for my employment. Will this affect my ability to get student loans in two or three years? I want to sell my (old) car to partially pay off the debt, as I live somewhere with good public transit, but would bad credit impact my ability to rent a car when I do need to drive for work? Were there any consequences that you did not foresee?

Did you find other good resources to learn about the foreclosure experience and consequences? Ideally, in addition to hearing your stories, I’d like to find some real-life sliding scale or free legal advice, a good web forum with people discussing the experience, and a «Strategic Foreclosure For Dummies» guide. (This is not a strategic foreclosure if you consider that term to refer to foreclosures done solely because the house is far underwater, but I would be going into it deliberately and do have enough latitude to approach this carefully.)

You can send your private stories to me at anony.foreclosure[at-ta]gmail.com. I appreciate hearing anything you can share.

Original text: What was foreclosure like for you?


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*In* A Website?

Magazine X published my article on their website. Would it be correct to claim that my article «appeared in Magazine X?» Magazine X (fictional name) is a big publication with a popular dead tree magazine. They also publish other articles on their website, MagazineX.com

When introducing me, someone said «Lassen’s work has appeared in Magazine X and other places» despite the fact that my article was never in the magazine, it was published on the website.

1) Is it accurate to claim that, because my article appeared on MagazineX.com, it was «in Magazine X»?

2) When I add the article to my CV, do I called the publication «Magazine X» or «MagazineX.com»?

Original text: *In* A Website?


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What recourse does my sister have on a mortgage?

In 2006 my sister Emy took on a condo loan for her then-future mother-in-law, Mabel, who could not qualify. Things have not worked out as well as she planned. What recourse does she have? In 2006 my sister Emy took on a condo loan for her then-future mother-in-law, Mabel, who could not qualify. This was not a co-signature: Emy’s is the only name on the loan, which I believe was for $80,000. Recently Mabel has fallen into arrears, and the condo is worth perhaps 60% of what was paid for it. So far the lenders are working directly with Mabel, whom they know as Emy, but it seems only a matter of time until they locate the real Emy, whose SSN is of course in their possession. Emy’s husband is disgusted by what he views as his mother’s taking advantage of Emy’s gullibility and amenable to the idea of evicting his mother, but with the condo underwater this would be an expensive solution, although it would have the benefit of ending the situation and potential credit report damage. Emy and her family live in a different town and own their home outright, and are not interested in moving to Houston where this condo is located.

Does Emy have any recourse to get out from under this loan? I wondered whether she could win in court based on coercion or fraud.

Original text: What recourse does my sister have on a mortgage?


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Help me hack my wedding finances!

My fiancé and I are getting married next April in Los Angeles and we basically want to maximize the use of our available credit. We’ve budgeted appropriately and we feel our wedding, which will be modest (50-60 guests) will cost about $16,000. I’ve saved up enough money to cover this entire cost in cash, but my idea was to put as much as I can on a single or several credit cards and maximize the rewards – be it airline miles, cash back or in point-purchasable items.

Airline miles would be ideal, as we’re planning to go to Europe next August to visit my fiancé’s extended family who live in Poland and will, most likely, not be able to attend our wedding in Los Angeles.

In terms of my financial history, at the risk of sounding arrogant, it’s more or less immaculate. I’m 28, I’ve only ever owned 1 credit card and I’ve never made a late payment on it in 8 years. Its got a credit limit of $26,000. I own a home and have never missed a mortgage payment and I have a car which originally was attached to a 5 year loan that I paid off in 4 years. I haven’t checked my FICO score, but I’d imagine I’m pretty close to the 800 or so. I also have a fairly steady income.

I’ve skimmed through blogs like Eventual Millionaire, Get Rich Slowly, Make Love Not Debt and I Will Teach You to Be Rich and often times they have articles about high point yielding credit cards, but that information goes out of date so quickly its hard to keep up with whats the best deal out there.

Also, has anyone had any experience with www.frequentflyermaster.com ? My concern with this program, and many programs similar to it, is that opening several credit cards in such a short span of time with negatively affect my FICO score.

Any words of wisdom, links, general anecdotes would be much appreciated!

Original text: Help me hack my wedding finances!


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Quebec Debt and Credit Reporting Laws?

I need references for laws in Quebec regarding debt collection and credit reporting. More specifically, I am looking for the exact act outlining acceptable debt collection practices, the statute of limitations on outstanding debt, and laws on credit reporting (how long an unpaid debt can stay on a credit report).

For example, I know of the Ontario Consumer Reporting Act, which says under 9.3 (f) that credit reports cannot include debts older than 7 years (loose paraphrase); where and what is the equivalent for Quebec? How about the Limitations Act, establishing the statute of limitations on claims? The Collection Agencies Act?

Also, debt incurred in Ontario to an Ontario creditor, residence in Quebec. Which provincial statutes apply, Ontario’s or Quebec’s? If Ontario’s, then I guess I have all the info I need, but what about Quebec?

I am not seeking advice, but rather references to the actual law. Thanks.

Original text: Quebec Debt and Credit Reporting Laws?


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Credit card surcharge legal on rent payment in Texas?

Can my landlord charge a convenience fee for paying rent with a credit card (in Texas)? From what I’ve found, most credit card companies seem to allow a «convenience fee» on CC transactions. And this seems to fall into the category of acceptable convience fees (not face-to-face, not a recurring charge, etc). But Texas specifically has a «no surcharge rule.» (See http://law.onecle.com/texas/finance/339.001.00.html). YANML, but do you think I should I take the time to file a complaint? Or just pay with a check? (I want to pay with a CC specifically for the rewards, not just to cause trouble).

Original text: Credit card surcharge legal on rent payment in Texas?


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American Express Never Forgets

I recently applied for a corporate American Express card through work and they told me that they found an old written-off debt from 1990 under my name. How best should I handle this? So, I got the corporate card (with a little rule-bending). I called their «special investigations department». The debt is for about $700 and is for charges that occurred between 1987 and 1990. This doesn’t show anywhere on my credit report. When I asked AmEx to provide documentation that the debt was, in fact, mine, they said that they couldn’t provide me with anything, and they couldn’t prove that it was mine. Nor could that prove that it wasn’t. They have nothing to send me, no records, no receipts, no old statements. Nada. Only a record of a debt for $700 linked to my social security number. They’ve never sued, or attempted to collect as far as I know, and like I said, my credit reports show nothing (not even an account from Amex from back then).

As far as I can tell, the only time that this will cause me problems is if I apply for future corporate AmEx cards. However, I’ve now gotten two without a problem.

I’m pretty sure, but not 100% sure, that this is left over from my free-spending ways back in college. I was deep in debt, and initiated but never completed a personal bankruptcy. I was only 20 at the time. I paid off many of my bills. Some were «charged off» or «written off». I think that the AmEx bill was one of those that was «written off», but apparently AmEx has a long, long memory.

So, the question is this: if I don’t pay off the bill, there appear to be no consequences whatsoever. As I said, I’m fairly sure it’s my debt, but not 100% sure. Regardless of the moral/ethical obligation, I’m wondering, is there another shoe out there that could drop, or some other way that this old debt could come back to haunt/trouble me? Is there a unanticipated financial/legal/credit consequence to not paying this off.

I’m most likely going to pay it regardless so that I can sleep easier, but I’m still curious as to whether or not there would be consequences if I don’t.

Original text: American Express Never Forgets


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How to determine type of payment source (credit or debit) online

Is there a way to distinguish between online payments made from a debt card and a credit card? I’m working with an organization that wants to do the best it can to prevent people from purchasing materials from them if they do so by incurring unsecured debt (e.g. credit card debt). If we had a way to distinguish between online debit and credit card payments, it would go a long way towards helping us in this process.

Original text: How to determine type of payment source (credit or debit) online


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It’s not a Nigerian money order, but……

I’m trying to sell my car: is this potential buyer trying to scam me by paying with a «credit card check?» I’m selling my car on craigslist and a VERY interested buyer wants to pay for it using a «check» from his credit card. I know of these checks, because my credit card company frequently sends them to me, but I always just shred them and throw them away. He wants to give me the check, let me cash it, and let the money clear into my account before he will take possession of the car.

It seems like this might be okay, but I’m wondering if he could possibly challenge the charge later and I could somehow be compelled to return the money. Does anyone have experience with this sort of transaction or thoughts about things that could go wrong?

Aside from the method of payment, my read on this guy is generally positive. I’m not really getting a scam feel from him, but it’s always hard to know.

Original text: It’s not a Nigerian money order, but……


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I need a new provider of virtual credit cards

Since Paypal is shutting down their virtual credit card number feature I would like to find a different provider, but I dont want to apply for a new credit card. I have been a long time user of Paypal, and also of their Virtual Credit Card number feature.

It allowed me to create a unique credit card number, for use with online merchants that did not directly accept Paypal payments.

I felt safer being able to make purchases from vendors online I did not know or trust fully. The credit card number issued should only work with one vendor, and is either allowed one single transaction or reoccuring transactions.

I am sad to see that Paypal has decided to shut down this program.

I have thought about the various pre paid debit cards that are around, but that would mean that every merchant I did not trust would get the same number (unless I kept buying new prepaid debit cards for every transaction). Plus most of the pre paid debit cards I have looked into seems to have a lot of fees.

If there is a pre paid debit card, that will allow me to generate new virtual credit cards, I would love that.
,
Preferably I am seeking a provider much like Paypal, that allows me to generate single use credit card numbers,without any fees and takes the money needed from a payment source that I have registered with the Paypal like intermediary.

I really like the idea that even if someone manages to hack into the merchant I bought items from at a later date, if they get my credit card number, it will be worthless, since its tied to a specific vendor.

None of the credit cards I currently own, have this feature unfortunately, and I am not in a position to try and sign up for
a new real credit card.

Original text: I need a new provider of virtual credit cards


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How To Settle Credit Card Debt – And Get Out Of Debt 50% Quicker

Are you wondering how to settle credit card debt? Would you like to get out of debt 50% faster as well? At this point in your life there is a pretty good chance that you are sick and tired of dealing with creditors on a regular basis.

Original text: How To Settle Credit Card Debt – And Get Out Of Debt 50% Quicker


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Pay Off Credit Cards And Lower Payments The Fast Way

Has your credit card payments been slowly creeping up each and every single month? Has your payments gone ridiculously high to the point when you cannot afford to keep up with them any longer? Would you like to pay off credit cards quickly and easily and also lower your payments before it is too late?

Original text: Pay Off Credit Cards And Lower Payments The Fast Way


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Get Your Credit Straight!

One of the most important things to remember in wealth creation is your credit rating is important. If anyone tells you it’s not, it is very likely that they are credit challenged. The reality is, in spite of well thought out plans and precautionary measures, life happens.

Original text: Get Your Credit Straight!


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Man guilty of Peter Jackson credit card fraud

Man guilty of Peter Jackson credit card fraud
An American man faces sentencing next month for fraudulently billing around US$ 190,000 to Sir Peter Jackson’s credit card.
Read more on 3news

Grand opening celebrations of United Communities Credit Union Complex begin Saturday
AMHERSTBURG — The United Communities Credit Union Complex, Amherstburg’s new sporting and recreation facility, today announced details of its Grand Opening Festivities schedule for January 29 – February 5, 2011.[...]
Read more on The Amherstburg Echo

Harry & David credit ratings take a hit
Harry & David lurched closer to a day of reckoning after two bond-rating agencies downgraded the Medford-based gourmet food-and-gift retailer’s credit ratings.
Read more on Ashland Daily Tidings


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Eric LaBadie of Guardian Analytics to Speak at Credit Union IT Risk Management & Security Summit

Eric LaBadie of Guardian Analytics to Speak at Credit Union IT Risk Management & Security Summit
Technology Credit Union joins Guardian Analytics executive to discuss how credit unions can combat online banking fraud (PRWeb January 26, 2011) Read the full story at http://www.prweb.com/releases/2011/01/prweb5004634.htm
Read more on PRWeb

S&P rattles investors with Japan credit cut
The yen fell and investors took a cautious stance on stocks and riskier assets on Thursday after Standard & Poor’s cut Japan’s credit rating in a forceful reminder of the fragile state of some leading countries’ finances.
Read more on Reuters via Yahoo! News

TV Review: ‘Simpsons’: Bet on Andy Garcia!
Image Credit: Everett Collection; Fox Fans of The Simpsons , our advice to you is to run and hide: Andy Garcia is lending his voice to an episode of the animated comedy that winks at the Ocean’s Eleven franchise, EW has learned exclusively.
Read more on Entertainment Weekly


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S&P cuts Japan’s credit rating on debt concerns

S&P cuts Japan’s credit rating on debt concerns
Standard & Poor’s cut Japan’s credit rating for the first time in almost nine years Thursday, issuing a harsh critique of the government’s ability to control its ballooning debt.
Read more on KSWO Lawton-Wichita Falls

Hiking Fla. reserves by .2 billion to maintain credit rating would mean more service cuts
Hiking Fla. reserves by $ 1.2 billion to maintain credit rating would mean more service cuts
Read more on The Palm Beach Post

Tax credit is little used by low-income filers
Lower-income individuals still have time to get a federal income tax credit worth up to $ 1,000 off their 2010 taxes by contributing at least $ 2,000 to a qualified retirement account. Contributions for 2010 can be made…
Read more on San Francisco Chronicle


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