Are Credit Cards A Lot Better Than Funds for Junk Food

Just some time ago, junk food restaurants are not also attracted to taking charge cards. Instances have modified, nevertheless. A lot of speedy-services dining establishments have experienced the trend is unavoidable, persuasive these to let customers demand their acquisitions on the materials. Even now, within a planet wherever money is master, the issue continues to be: should you use your card rather than cash for take out purchases?

Previously, dining places accepted only funds, due to the fact charge cards necessary a lengthy running time, contradicting rapid foodstuff principle. Quickly enough, technology developed and minute card purchases could already be practiced within a short time. In accordance with industry experts, taking charge cards as opposed to funds stimulates client respect. A good reason because of this is always that most of the people right now carry their parts every time they want to spend. Amazing . the point that a large number of individuals off their nations around the world use their playing cards since they do not have profit community forex using them.

Fast food providers may have also thought we would recognize the cards because they improve income. Determined by statistics, customers pay a lot more when they employ credit rating as opposed to the traditional funds. Additionally, there’s a forecast that this setting of settlement can ultimately reduce the volume of employees had to take clients’ requests.

3 Good Reasons to work with Playing cards As opposed to Income

If you are planning to deal with friends and family the family for the supper at any take out sequence, your charge card can be quite a better technique of transaction than money. Here are 3 good reasons why:

Safer. How frequently have you ever heard someone complain about sacrificing their cash? You could have by now skilled the same in the past wherever you might have sensed helpless. It doesn’t occur whenever you get rid of your greeting card. Whether it is stolen or perhaps you misplaced it a place, you just need to get in touch with your financial institution and terminate the charge card. In addition, if you opt for something and lose it, your bank might even give a reimbursement.

Credit Score. This is one of the purposes why individuals have a credit card. With your card, it is possible to create a good credit historical past. Really should be reality, charge cards are thought to be the top and best way to build credit.

Straightforward Following. Eating in fastfoods may take a huge amount from your budget. Usually when you use income, it can be hard to regulate your investing, particularly when you are unable to record it. With cards, although, you can preserve tabs on the costs accrued on fastfoods. This enables you to build a viable spending budget and stay with it.

Money nonetheless rules supreme during present day time. Nevertheless, there is no-one to refute that bank cards provide several advantages. If you have a advantages credit card, you can even takes place breaks to cover any occasion . and eventually gain advantages. This can be something you can’t ever receive before you choose money.

112 Comments

  • Maryanne says:

    she is 4 months old. I havnt spoken to my daughter in 10 years, and she told me she “doesnt want me in her or her daughters life.”

    The ins and outs as to why SHE has estranged herself from ME .. when she was young she was pretty fat, and i used to put her on a diet and not let her eat junk food like her friends (she just doesnt have the metabolism to do it even though she exercised!) and when she was a teenager she ended up with eating disorders, and she blamed me, changed her name, and now considers her step father “the only dad she has ever had and the only grandad her child will ever know.”

    Also we had a family dispute over her college fund. She said she was entitled to it – but when me and her mother got divorced, i needed it to pay off credit card etc. Shes still angry she had to work while at university.

    BUT i am her babies biological GRANDFATHER regardless of what happened in the past – what rights do i have to visitation of the baby? I dont particularly want to be estranged, but she wont speak to me anymore.
    emma – yea i agree too! She estranged herself from me after i used this money for my debts. Technically, it was me and her mum who paid into her college fund, but we saved it in my name, coz we couldnt open a bank account for her until she was 7.
    Legally it was mine, but she says morally it wasnt as it was intended for her.

  • Alexandra says:

    So I held a good as a steel welder for 12 years. I loved my job and I loved the people I worked with. But then I started thinking about it, isn’t my employer basically exploiting me? I mean, he buys the tools, pays me to do all the work, and then he gets all the surplus value that I’m generating. After thinking about this for quite some time, it became clear that since he’s taking all the value I’m generating, I’m just as good off being employed (exploited) by my employer as I am being unemployed. So I quit my job.

    I’m now dealing with unemployment. My wife is a waitress so we still have income coming in, but I’m still having a hard time making ends meat. How do I best deal with unemployment the system forced me into?

  • Herman says:

    Ok I live at home for now til. I find a new job I am not going to collage. I don’t plan to. I work for a junk mail place. I make 8.75 an hour. How can I budget better. Here are things I need and want.

    Rent 200 dollars a month
    Health insurance $96.50
    auto insurance is paid for a while. I sold my my dad my car for 4000 dollars he is going to take that money and pay my insurance.

    Hair cut $14.00 great clips. I do give a tip but I feel like I should. And my hair is growing more and need to cut it often.

    Fast food and going out. This month I spent 45.00. I am buying for 2 people.don’t say don’t go out to eat.

    Gas is going to go down. I spend different prices. I do go out I will spend more. I would like to say I spend less then 100 dollars. My job is 4 miles away from my house. I live in the country and don’t want to walk.

    retail stores I spend very amounts. I would Like to say 1-75. I buy pop, candy, I do stock up when on sale. I do need candy and pop.

    Personal stuff shaveing cream, razors, zit cream, I spend maybe less then 100 dollars a year. I do use coupons when I do buy these item.

    Going to the movies. I buy 2 tickets. We normally go to the early ones. I buy pop 2. Candy I get at the gas station. When I say 2 its me and my friends. There a girl they don’t have a job. I don’t want to stay home or go to my house. I don’t mind. To buy the tickets or dinner.

    I don’t pay light bill, cell, food. I plan on geting health insurance from my work. And dental. I get paid every 2 weeks. So far in my accounts I have checking 933.70, savings 379.21 vacation fund. 244.88 credit card is 1000 dollars but I use my credit card for health insurance. I have a balance of 903.00. My other saveing account is $2653.03

    please help every bit helps.

    I use the credit card for health insurance. So it build up my credit.

  • Wayne says:

    Is it really possible for a glutenous American who wants everything now with no consequences later able to turn the tide?

    Ok, let me explain…
    First of all, have you ever heard of the Duggar family? http://www.duggarfamily.com/ I think the family is incredible and has something really special going on. For one thing, they made a commitment to live debt-free.

    What exactly does that mean? Everything they own is bought and paid for, including a 7000 sq.ft. home. WOW. o_O That blew my mind. I would so love to have that kind of discipline. I can’t tell you how sick I am of the whole credit “game”.

    I mean, do you realize how long it would take me to save 150,000 to pay for a house living off of 60,000/yr combined income? The most I could save annually is about 20K. That would take me roughly 8 years living meagerly, no vacations, no extras. …but then again, I would OWN my home outright. I dunno…

    Is there anyone out there that lives by these principles (that isn’t wealthy…just average) that could give some insight into this lifestyle?

  • Kurtis says:

    My husband and I already have two vehicles, but he has a gmc suburban which guzzles gas and i still owe 3 years on my car and it has 70,000 miles on it. My car is a kia optima and I would like to keep the miles down on it so that I am not paying for repairs while still making a car payment. My husband suggested we buy a honda for about $500 – $800 to keep the miles off my car and save gas money from his. Liability insurance would only be about $20 a month. I have a lot of credit card debt though so I am wondering if I should pay the money on credit cards or buy the car?
    as i said before liability insurance would only be about $20 a month. we live on a military base that is 35 miles from town right now, so if we could drive the beater for a while it would save a lot of miles on my car. getting rid of the suburban is not an option my husband has an emotional attachment lol since he is in the military though tags would only be $20 a year. we have AAA insurance so if it broke down we could tow it home for free and my husband would be able to work on an older model honda but not on my car. the suburban gets maybe 13 miles per gallon on the highway so i figured we would save the cost of the car in gas and have the added benefit of saving miles on my car. getting rid of both cars and getting 2 beaters is not a possiblility since we are still paying on the car and it would be unnecessary since i don’t drive anywhere except to get groceries lol and our state does not require emissions testing…

  • Claretta says:

    Ok, here is my story and the basis of my question.

    I am currently a employee in the TV industry. I have risen to the top quickly, and at age 24 I make over 100k/yr as a freelancer. I work a lot of hours and they are horrible (4pm-12mid, 1130p-7a, 545p-215a, 530a-130p) and flucuate. Plus, my salary can go up and down by thousands a check.

    I was happier as a poor college student. I drive a jazzy car and have all the junk I could want. Is a simplier life better?

  • Glenn says:

    she is 4 months old. I havnt spoken to my daughter in 10 years, and she told me she “doesnt want me in her or her daughters life.”

    The ins and outs as to why SHE has estranged herself from ME .. when she was young she was pretty fat, and i used to put her on a diet and not let her eat junk food like her friends (she just doesnt have the metabolism to do it even though she exercised!) and when she was a teenager she ended up with eating disorders, and she blamed me, changed her name, and now considers her step father “the only dad she has ever had and the only grandad her child will ever know.”

    Also we had a family dispute over her college fund. She said she was entitled to it – but when me and her mother got divorced, i needed it to pay off credit card etc. Shes still angry she had to work while at university.

    BUT i am her babies biological GRANDFATHER regardless of what happened in the past – what rights do i have to visitation of the baby? I dont particularly want to be estranged, but she wont speak to me anymore.
    question G – totally agree with you!

  • Daniela says:

    I have an American Express charge card and would like to cancel it but I am curious if the cancellation ramifications (on my credit report) are the same as cancelling a credit card.

  • Benita says:

    Knowing that most customers are asked to pay off the balance outstanding amount within a month of the swiping of the card, how does a Bank earn anything from a Charge Card transaction?

  • Jacquline says:

    I am trying to build my credit. I am only 20 and I want to get my score into a good range. Will a store charge card help my score at all? Is there anything else I can do to build my credit that would be more helpful than the store card?

  • Isaias says:

    Since I started using my Visa/MasterCard credit cards, I’ve always treated them like charge cards (paying them off in full each month) to avoid the interest unless its absolutely necessary to maintain a balance. Some people say that this can have a negative effect on ones credit rating? Is this true?

  • Marhta says:

    Amex keeps sending me spam to look into the Zinc (the cheap one =p) and I figure it would be worth the 25 bucks a year just to build credit. I know credit cards are 18 but are charge cards the same? Will they really issue me a charge card or is this just generic spam they send anyone with a first and last name?

  • Temple says:

    I know you should not close credit cards because they give you credit availability which helps you score, but what about a charge card such as the American Express Gold? Is it bad to close since there is not credit limit anyways?

  • Catharine says:

    I want to give my son a prepaid charge card. I do not expect him to use the card except in a dire emergency. I do not mind paying an upfront fee, but I do not want the monthly fees to eat up the balance when the card is sitting and collecting dust. Any thoughts? Thanks

  • Queenie says:

    I am close to buy a new car using cash…but why can’t I put it on my charge card to get the points?

  • Tana says:

    I want to apply for Kohl’s Charge card but I’m afraid to do it at the store (I don’t want to be embarrassed in front of anyone if i get denied). I was thinking about doing it online but it’s asking me to enter my SSN. The agreement that you have to check the box for, says in fine print that Kohl’s is not held responsible if a 3rd party accesses your information. Is this likely to happen? Should I?

  • Ashlie says:

    rates double in the last couple of months. I do not have visa, master cards, no charge cards, daughter and son in law does….couple of friends, the rates doubled…if your credit card interest rates doubled what are you going to do? My daughter complained to the bank, they dropped the rates she can no longer use the card which is great, but some friends claimed theirs went to 32% OUCH.

  • Lina says:

    i need to slim down on my monthly expenses due to cut back in income. Is it wise to just pay the minimum due on charge cards as
    a way to cut back or should i look elsewhere

  • Nichelle says:

    ok.. I know some minor details that for American Express its an charge card and that you got to pay your charges at the end of each month.But isn’t credit cards the same that you got to pay for the amount you used in each month too?kind of confused..

  • Harland says:

    I want to buy a house and am bringing down my charge cards to zero, but Not closing them. I have a financial plan of when I’ll be done with that (end of July). I want to find out when I should go to a mortgage person. I would prefer them to pull my credit report and see those zero balances alongside a higher score than before. If my last payoff is scheduled for July 20th, how much time should there be before the meeting with the mortgage person?

  • Joyce says:

    I read somewhere that western union was the first company to issue charge cards. Does it still do that? Where can I get a card from western union? Does the gold card issue by western union works as a credit card?

  • Cheri says:

    What is the difference between a Charge Card and a Credit Card?

  • Kurtis says:

    Most card companies exchange money at rates that are generally more favorable than the rates you would get on your own at a retail store or hotel. How much does it cost to use a chase credit card and/or charge card when traveling outside the country?

  • Tyson says:

    Im thinking about getting a charge card to khols. They say I will save more by getting a charge card.Is it true?

  • Ashlie says:

    I did receive a Kohls Charge Card and register online. But it shows that I have to pay the amount of money that listed. Click the link below to see the screenshort:

    http://img213.imageshack.us/img213/6747/mykohlschargemb1.jpg

    Any help will be appreciated.
    To view the clear picture you need to maximize it. Because I upload a really big one!

    I think you need to click on the pic and somehow it will be bigger

  • Irma says:

    Will paying off the charge card rasie my credit score? and if so will it be by much?

  • Russell says:

    I want a Kohls charge card to save but will it hurt me in the long run and is it a good idea to do that if i pay my bill on time.

  • Elizabeth says:

    I get how credit cards work for the companies that issue them, but how does american express profit from charge card since they´re paid in full, and do not have an interest rate?

  • Alayna says:

    I am looking for a charge card or credit card that offers benefits that exceed 1% back on regular purchases and 3% back on gas and grocery. Annual fee is OK – I am not interested in airline miles – just CASH BACK options. Any suggestions?

  • Valentine says:

    Who sets the limits on the Bulls charge card, anyway? And where can I get one? Assuming the bull wins the bull fight, and the unlucky matador bites the dust, is the bull fighter’s estate relieved on the obligation to pay off the charge card?

  • Parthenia says:

    I have a charge card with chase bank that goes to my bank account. I’ve had this card for 5 years, and since this spring, I have to cancel it three times because of unauthorized charges showing up on it. Is there something i am doing that is exposing this card and allowing fraudulent activity to happen?

    I use ebay an amazon, but chase bank told me those are secure.

  • Vernon says:

    Mildred Pirelli supervises salespeople in a department store. She observed a salesperson approve a charge card purchase with following the company policy of verifying the signature. As a supervisor how would you handle this issue with the employee?

  • Meta says:

    I’m considering buying a new car and I’ve read that charge cards are considered a liability. I have two charge cards along with other store and bank credit cards. Therefore, I want to get educated before I apply for loans in how this might affect my car loan interest rate.

    Is this really bad? How much would my interest raise? Any help will be great!

  • Taneka says:

    I got a new amp and to replace the old one I need to de charge the cap. I lost the charge card that came with it. If I hook the amp to the cap will it like kill the amp? I heard you can use a light bulb to do it but idk how.

  • Sabina says:

    I think there are 7. So far I have smart cards, credit cards, debit cards, cash cards, and charge cards.

  • Tory says:

    How does a charge card work? do you put money onto the card and then you can make charges to the card or do you charge things to the card and then pay the balance?

  • Marhta says:

    We have been making payments on our charge cards with Bank of America, however, they haven’t been the minimum payment each month. We are now being told that they are going to charge off our accounts as a bad debt. Can they do this if something is being paid on the accounts each month?

  • Earleen says:

    Want to know how charge card works? Once the credit limit is spent and I make the payments, do I have to wait till all of the credit given to me is aid back or can I still use it and just pay monthly?

  • Jackqueline says:

    Charge cards have different fees but 80% of people use debit and vharge cards today. People rarely carry cash for large purchases.

  • Chana says:

    I wanted to charge about $3000 or a bit more on my green amex charge card, for a purchase, which I plan to pay off within the month actually, but all my other cards won’t do.

    Can I call amex and let them know that I’ll be making a purchase so that they approve it, because what if it declines, they might think it’s a fraudulent charge if it goes up after a certain amount or whatever?

    Thanks!

  • Cherilyn says:

    I know the former is a charge card and the latter is a credit card. But how do you distinguish the pros and cons?

  • Huey says:

    I researched what exactly the charge card is and concluded that it does not charge interest, simply an annual fee and end of month full payment. Does this mean that an inflationary period would not affect the charge card?

  • Noe says:

    i was just wondering is the american express platinum charge card only invitation only or can you apply for it?
    also what does it take to get the american express platinum charge card??? is it based on credit history? or is it on income? what score do u need?

  • Jennefer says:

    I recently opened a charge card at a jewelry store. Lets say legal name is “Zachary Middlename Lastname”, but the statement and credit card i received have the name “Larry Last-Initial Middlename”. Do I have to pay them? Can I fight this somehow, since when I signed to open the credit card I WAS NEVER ASKED TO VERIFY THAT ALL THE INFORMATION was correct, like at most stores. Did I sign a legal contract?

  • Sandy says:

    Can you use your jc penny charge card to pay for services at the salon?

  • Jefferey says:

    I remember years ago, someone I knew had this charge card that you had to pay in full each month.
    Around what time (decade) did Amex also start offering credit cards that you can carry balances? Is this all very recent? Or has it been around a while?
    I was never a “fond” of Amex or paid attention, since I thought all of their cards carried an annual fee.

  • Deanne says:

    I want to purchase something from walmart and they have a option called BILL me later. does anyone know the difference between that option and just using a regular credit card or store charge card?

  • Johnny says:

    A charge card is not a credit card there is a difference between the two.

    Charge card definition: A card that charges no interest but requires the user to pay his/her balance in full upon receipt of the statement, usually on a monthly basis. While it is similar to a credit card, the major benefit offered by a charge card is that it has much higher, often unlimited, spending limits.

    Credit card definition: A card issued by a financial company giving the holder an option to borrow funds, usually at point of sale. Credit cards charge interest and are primarily used for short-term financing. Interest usually begins one month after a purchase is made and borrowing limits are pre-set according to the individual’s credit rating.

  • Trenton says:

    I want to get a charge card but I’m only 13. I have a job and everything but I don’t know if I’m old enough to receive one yet. Can you please help me, it will be very very helpful to me. :D
    Thank you.

  • Robbie says:

    Credit cards and charge cards differ in two important ways. One is the method of payment. What is the other difference?

    ——————————————————————————–

    You can get a credit card from your bank but not a charge card.
    You have to pay interest on charge cards but not on credit cards.
    You have to pay interest on credit cards but not on charge cards.

  • Titus says:

    I hear that AMEX cards are good for some reason. Is it the rewards program? Is a charge card good for my credit score? Is it worth the $150 annual fee. I have excellent credit and just want to know if this would help or hinder my score and if its worth it.

  • Yolando says:

    I need to know what is the best charge card not by interest or the offers alone.
    I need to know why this charge card works the best based on your experience of using it. Did it work for you or was it terrible?

  • Vanita says:

    How can I promote the use of Government charge cards at my business?

  • Malcolm says:

    My Dad has an Amex gold charge card and he said he will add me as an authorized user. I know when i was add as an AU for his other credit card it raised my credit score. Will the same be applied even though the Amex is a charge card and not a credit card? there is no limit on the card.

  • Jenell says:

    I’ve been looking a little into the Upromise Sally Mae card, I have loans that I’m paying back through Sally Mae and mygreatlakes. If I got that credit card, or a different charge card (like AMEX platinum) could I use it to make payments and then reap the benefits?

    I have a job now, so paying my loans back isn’t too difficult, I’m just wondering if there’s anyway I could get rewards from it rather than just paying out of my checking account

    Thanks for your input!

  • Marvin says:

    I’m a student and I want to apply for an american express charge card, preferabbly someone with experience applying for one with american express and who is a student, what credit score would a need to get an amex charge card, Currently i have limited credit history, though its all positive and I do have an income.
    Thanks for people’s advice not to go with them at all, however, I want a charge card as i’m then required to pay it all in full every month, if you still think i should not go with them can you at least anwser with some detials on how they are bad and which companies i should choose to get a credit card from and what credit score i would need from them, but again, I would also really want to know what credit score I would need for an AMEX charge card

  • Ayako says:

    I want to improve my credit score by increasing my limits on my charge cards. If I ask them to raise my limits do I get charged with a hard inquiry on my credit reports?

  • Arnulfo says:

    I feel like getting an AMEX charge card and using that for everything within Montreal from even the smallest of purchase, however, I have no idea just how widely accepted AMEX is in this city since I never paid any attention to it.

  • Kimberli says:

    Isaiah and Chakshu went to dinner at Chili’s restaurant and received a bill for $35. Isaiah paid the bill along with an additional 20% tip on his charge card. What was the total amount that he put on his charge card?

  • Patrica says:

    history? Which is better the secured credit card or the AMEX charge card in biulding credit history?

  • Beulah says:

    I’ve had a Lazarus charge card for nearly 10 years. As we all know they’re now Macy’s however every year when I run my own Equifax report this card still appears. I’v inquired as to who I need to contact in order to have this account closed, but no one can give me an answer. When I call the 800 # on the card itslef I get the runaround. Has anyone had this similar problem? How do I get this account shut down?

  • Elouise says:

    I had a credit card statement of 1000. Within 4 days I get a refund of 200 during the grace period of 15 days. The payment date then follows 11 days later and the credit card company still try to take 1000 – so making my credit card a positive balance – which is not what I want! Can I insist on only paying 800? They then tell me that I will be charged to taking cash out of a positive balanced credit card. Can they do that?

    What is stupid is that if I dispute 200 – they will only take 800. Some credit card companies do not do this – but if you stop the direct debit (especially on a charge card) and just pay the actual account balance – then there is no charge.

    If I decide to pay my bill in 3 parts for example during the grace period so the total is paid then that is not a problem: as long as the whole amount is paid. Well that is effectively what is happening here – but one part is paid by the refund. How can this be justified?

  • Verona says:

    I have many charge cards that ARE zero. Also have heard both sides of the story to keep your credit score hi. Not sure which way to go with this.
    See what I mean? Look at the answers that I have received. Please move this to the group for a vote..!!

  • Deedra says:

    everytime i try to get out of debt i seem to get in more debt.. i don’t splurge on stuff but i just can’t seem to get out of debt… i have horrible credit so i probably won’t be able to get a loan does anyone know of a way to get out of debt without getting a loan

  • Mahalia says:

    Would this plan help build my credit or are the amounts/numbers too low. I would like to get a charge card for a store and buy a $10 gift card using their store charge card each month. Then I would pay the bill off on time each month. Would using it once a month for $10 have a positive impact on report over time? thanks all

  • Collene says:

    Would using a credit card (Chase Visa, specifically) to pay household bills incur any extra charges? The site says there are no monthly charges and it’s free to use. I scanned the site and I didn’t find anything about them charging anything (but companies normally never put that face in an easy to find place). The site always mentions paying with your “Chase Card” for all these no fee things, does it mean all cards from Chase? Just debit cards? Just credit cards?
    Would using a credit card (Chase Visa, specifically) to pay household bills incur any extra charges? The site says there are no monthly charges and it’s free to use. I scanned the site and I didn’t find anything about them charging anything (but companies normally never put that fact in an easy to find place). The site always mentions paying with your “Chase Card” for all these no fee things, does it mean all cards from Chase? Just debit cards? Just credit cards?

  • Dwain says:

    i had a gift card already in the “redeemed” place, and i got my receipt and it said it was $14 and whatever cents
    did it charge my brother’s credit card, or did it get deducted from the gift card?
    it had Order Total: $14.75
    i don’t know if they charged my brother’s credit card or not.. help?

  • Golden says:

    I filled out the form to dispute a charge on my credit card that I authorized as a deposit for something, was told it was refundable, but then after I cancelled they refused to refund. What happens next?

  • Issac says:

    Having a charge card like Amex Green, good or bad for Credit score?

  • Denver says:

    How charge card is different from credit card? how payment is done for charge card?

  • Dewey says:

    My credit card got charged off in September, and the recovery department called me to set up payments through them of $75/month. I heard that once a credit card is charged off, even if you’re making payments it won’t be reported to your credit. Anyone know how this works?

  • Thad says:

    I have been using one visa card for 2 years through pay pal…we had a large charge, refrigerator went out, so I used the same card as I have been using to purchase items through Ebay, you have to use Pay Pal…I switched back to my original card, Pay Pal charged me $1.95 cents, to verify it was my card, after using it for 2 years….has anyone out there had a problem with pay pal…I will not use them anymore, nor will I purchase from Ebay…what did you do? Its the principal of the thing, anything to get a buck out of us.

  • Salvador says:

    If I place an order online, charge to my credit card, does anyone know when they actually charge your account? Is it right away? is it when they ship? Im getting paid tomorrow but if I order today i get free shipping but I dont want to overdraw just to save a few bucks…. if they ship to day and charge today then im in trouble….any help is much appreciated!!

  • Porfirio says:

    Ok, so I finally added my credit card information to iTunes. Now I’m looking at my credit card pending charges and I see a transaction from APL*APPLE ITUNES STORE for “Merchandise” for the amount of $1. is this just their way of confirming it and it’ll be reversed? because I didn’t buy anything. btw, I’m new to this whole online credit card shopping thing

  • Abe says:

    My last 2 Credit Card Bills have come up with Communic8 (Telstra) charging $20- $30 in My Account around about 7 times. The last time it equalled up to $300. My daughter and I are the only ones with access to the card and neither of us are with Telstra in out Phone Plans. We also don’t pay our Phone Bills with this card. Even if the Bank cancels the card the people who are taking the money are out are still going to get it. Help? I’m not sure what to do, or why this is happening?

  • Tamatha says:

    I have a credit card with Egg. They recently cancelled my contract with them (like 1000s of other customers). So needless to say I never spend on my Egg card. I continue to pay well over the minimum payment each month but seem to go over the agreed credit limit and get charged a fee, then I pay enough tro get within the credit limit and the same happens the following month!

    Should the ‘minimum payment’ cover all interest charged?

    Can Egg continue to charge interest on an account that they cancelled and broke the contract?

    Any other tips for handling Eggs tactics?

  • Haywood says:

    Okay, here’s the deal.

    4/15 I check in to this motel in Georgia. Paid 160.00 Cash for one of their lower cost rooms.
    4/22 I pay the weekly fee of 168.00 for a better room.
    4/30 The motel calls my room around 11:00 asking when I am going to pay for the next week. I tell them it will be one hour and go and withdraw the money from the ATM. I then come back and give them this money. Everything is golden, right? HELL NO.
    5/1 I checked my card at around 10:00 and find that I am NEGATIVE 335!!!!

    After looking on my online banking account and then calling an associate at my bank, I learn that there was a charge from this motel on 4/30 for 168.00 at 10:52 a.m. So, they charged my account and then still asked me for that week’s rent?!?!?!

    I talked to the Manager and his son and after a HUGE process of trying to prove this transaction to them the son says if I can get my bank statement and show it to them where they took an extra 168.00 dollars from my account they will refund me.

    MY QUESTION IS;
    Shouldn’t I be compensated for the non-consented 168.00 charge they made before they still asked me for the money for this week ANDANDAND ANY OVERDRAFT FEES BECAUSE OF THIS?!?!!

  • Hilde says:

    I have a Chase credit card. I paid my balance in full last month. Now this month, I get a statement saying I owe one dollar. I made no purchases between last month and this month and I paid the balance in full. Yet, they are saying I owe one dollar.
    I called and the man told me that even if you start out with a zero balance, you then make a purchase of say 300 bucks, you get the statement, you pay it on time and in full (300 bucks), you will still get a statement the next month saying you owe the one dollar finance charge.
    Have you ever heard of this?
    This is crazy. If you pay the balance in full and on time, you should not have to pay any finance charge.
    Tomk,
    I see what you mean about the few days but that is why they call it a grace period.
    I should also add that the man from Chase agreed to remove the dollar charge but he said it was a one-time thing. I just won’t use this card anymore.
    Clarification: he said that removing the dollar charge was a one-time thing and that they won’t remove it again.

  • Modesto says:

    Citibank is charging around $50 on my credit card that has zero balance. They are charging an interest rate of 29.99% APR. I already paid off my entire balance.

    I requested them to lower my APR. They replied that the APR is already low.
    They are sending letters with the address from “Citibank early warning.”

    They are scaring me and insulting me and charging my account has zero balance.
    They are not closing my account.

    I am mentally and psychologically affected by this. I know as a single customer I am powerless in front of a big bank. But Please help me to get out of this.
    This is not an Annual fee. It is mentioned as interest for purchases and cash advances.

    Details
    1)The card has credit limit of $3600. My balance crossed the limit and went to $3605 during the statement date of 03/04/2011.
    2)The payment due date was 03/27/11. I paid $2350 on 03/15/11 and the entire balance $1255 on 04/01/11 bringing the balance to zero.
    3)In the statement date on 04/04/11, I was charged $57.23 towards interest charges for cash advance and purchases.

    They have the 25 days rule that no interest will be charged for the amount paid before due date and the interest accrues only from due date. So they charged an interest of $57.23 on $1255 for 8 days (from 03/27/11 to 04/04/11).

    When I asked them they are saying, they have reviwed it and the charges are correct. They are not answering to my request to close my account.

  • Shiloh says:

    I’m referring to CHARGE cards like American Express and Diner’s Club, NOT credit cards like VISA or MasterCard.

    I don’t really see the purpose of a charge card or why anyone would want one. Unlike a credit card, you have to pay off the balance every month. This means that you must have the money anyway, so why not just use a debit card? Charge cards all have annual fees that are quite high compared to credit cards, which may be no-fees or have very low fees. The advertised advantages like reward points and membership in airline/rental car clubs seems gimmicky and hardly even worth the annual fee. Things like rental car insurance and other travel-related advantages can be equally achieved with pretty much any gold credit card.

    The only time I’ve ever used a charge card is when I had an AmEx from work for charges on my expense account, and that’s really the only time I can see it being useful: for keeping track of business-related purchases. I can’t see the usefulness of a personal charge card where a debit card or even credit card would work just as well without all the fees and risk of overspending and blowing your credit rating.

    So, if anyone thinks they understand the purpose of charge cards, or if you use a charge card yourself, I’d appreciate some insight.

  • Nelson says:

    I need to order a few things online and I don’t have 100% trust in the site(AliExpress) and all I have is a vannilla visa card… Problem is I need that for another site(budk) to buy stuff and that card has just the right amount, and if I were to use it on the other site I’d only be spending half the money and the vanilla visa’s arent re-loadable… Upon checkout on the site (Aliexpress.com) it said it doesnt accept charge cards… I dont really know what a charge card is seeing as Ive never heard anyone call it a charge card…

    So are charge cards and prepaid cards the same thing?

    Thanks!

  • Emmett says:

    I’ve got a few questions that would like to ask:
    1. Is that only London in the UK has tube?(i mean subway/metro)
    2. Is tube in the UK also called as underground?
    3. Is there any transportation card for bus or tube passengers? And how does it charge?
    Thank you.

  • Era says:

    Hi I need to pay for the ESTA fee $14/£8 but I’m not even sure if we will be traveling to the USA after all but I heard it last for two years. However, if I pay with my debit visa card will my bank charge me for exchange rates?

  • Mason says:

    I desperately need some advice.
    before my husband and i got married, he had a credit card which was paid off by the time we got married. (this was 10 years ago!!). he never closed the account though because somebody told him it was always good to have credit open for good credit scores. last week he gets a letter that he needs to go to a superior court. we have no idea what it’s for, so he contacts his friend which is a lawyer. apparently, there was a 6000 charge on that open account FROM YEARS AGO. we moved a couple of times so supposedely they tried to contact my husband but was nowhere to be found. now he is expected to pay this 6000 for something we never bought!!! the lawyer will call the credit card company today to see if they will take less. but my point is WHY do WE have to pay for a fraud?? anybody been in this situation before? they did verify with my husband it is his name and ss#.. what can we do?? please help with any useful advice.. thank you!! :(

  • Kermit says:

    Just ordered a few things off of Amazon… I used a $25 gift card and the order came to $27.20… I have cash on my card (which I was required to provide) but my account statement online hasn’t changed since I ordered. I figure if they didn’t get the cash from me they wouldn’t put the order thru but I’m just confused on if it worked and if they’re going to charge my card and when?

  • Milo says:

    I posted an ad on Craigslist and it wasn’t accepting the first card I used, for some reason it said it wasn’t able to go through, I tried 3 times then gave up and used a different credit card and it accepted that one and sent me a confirmation email afterwards and everything, for THAT card. How do I contact them and have them take off the three charges of $25 each, so a total of $75 on the other credit card?

  • Wayne says:

    i bought about $200 worth of items last night using my visa debit card, and newegg says the it has successfully charged me but when i checked my online bank summary, it doesnt show up and says i have the same amount. usually things show up quickly on my online summary when i use my card. so have i been charged yet?

  • Trenton says:

    I just recently approved and use my amex green charge card on my daily transactions. My intention is to use this amex card as my primary card (ie use it for all my purchases which was previously with visa) and leave my visa for emergency and reference of how long i have it for. Would that be a good idea? I am a student and my intention is to improve my credit score and record… Since the idea of a charge card makes more sense and I understand that the rule of thumb to any plastic is pay it in full every mnth no matter if its a credit card or a charge card. So any advice if I should stay with amex or put it aside and start using the visa again? Thx in advance guys
    I will for sure keep both of them for sure, Im just wandering which will benefit me and also the effects on my record and score if i use the amex for all of the purchases compare to the visa, and i still a big believer of paying my balances in full every mnth for either visa and amex

  • Sal says:

    I am looking for a reloadable charge card that will allow me to put money on it from another credit/debit card.
    I am looking for a reloadable charge card that will allow me to put money on it from another credit/debit card via online or through a customer service rep. I am incurring expenses for a friend out of the country and they want to do this to help me pay it. I do not have a bank account.

  • Whitney says:

    i have a chase credit card and have diputed a charge they say that i have to pay without ever calling me and asking me my story on the over the phone charge of $80.00 deposit and then adding another $485.00 a day latter. how can i dispute this with the company were it does not hurt my credit?

  • Vanna says:

    One that is for people who are not in collage but is only 19 going on 20. Also if possible one with no fee’s (start up fee or anything like that I can handle a late fee). Also I would reather have a charge card and not a credit card.

    Also if possible one you get in seconds online instent approval that they give you an temp printable card once approved.

  • Margrett says:

    I have a fraudulent charge on my credit card bill. I spoke to my credit card company and they said they will cancel the card and mail me a new one, and they will investigate this charge. I have excellent credit and I don’t want this to mess it up.

    I always pay my credit card bill in full when I get it, but I don’t want to pay for this charge (which happens to be the only charge on the bill) since I didn’t make the charge. I’m wondering if I should in fact just make the minimum payment so that my perfect credit stays intact. The credit card company said that if it is found to be a fraudulent charge, anything I pay towards the charge will be refunded back to me, including any interest paid.

    Has anyone had any experience with something like this. I’d like to hear how this was handled by someone who experienced something like this.

  • Corrin says:

    question in regard to my American Express Gold charge card I went to check my spending limit it told me they couldn’t approve the limit I ask for because I had no preset spending limit what those that mean

  • Antone says:

    Hello, I have about $5,000 of debt spread across 5 different credit cards. I’ll spare you the details but they are all charged off. I am currently trying to get a security clearance with the military and I need to get these all paid off. The problem is I have nowhere to start.

    My parents are going to help me pay off the debt completely and I will be paying them back in time. So I basically have this $5,000 to pay off my debt. Do I go directly to the credit card company’s? The collection agencies?

    Thanks for the help.

  • Alma says:

    Okay last year I had problems with my sears card, some book online got my credit card number and began charging me without notice and sending me books my mail without my premssion at all I never really sign up the piece of crap. Okay so I decide to renew sear card with new account number. Sometime after that they began sending letters saying that I owe them and now I got a mail from Allied Interstate saying that I HAVE to owe them. Can they charge my credit without me given them my number? How do they work anyway?

    The book online is literary guild never even heard them and don’t care.

  • Toney says:

    I found four different charges made on the same day to my credit card that I did not authorize. I found out they were for companies that sell software licenses online and software that once purchased is downloaded to the purchasers computer. I have disputed these charges with my credit card company and am waiting for a reply. My questions are should I cancel my card or have my card number changed. How likely it is that I would have to pay these charges even though I clearly did not purchase anything.

  • Sandy says:

    I’m always buying things at kohls for the regular or sale price. What would the card have to offer me? Do you get special discounts? Do you use the card each time to get the discounts. etc etc. For those who have one do you like it?

  • Dexter says:

    I’m booking a trip to NYNY and when my total comes up it shows a total and a deposit. I’ve never booked directly through the hotel and I was wondering when the deposit is charged to my card and when the left over balance is charged?

    My guess is the deposit comes out immediately and the balance is billed after I check out. Is this correct?

    Also, if the price drops before my trip do I automatically get the better rate even if I booked through one of their online promotions?

    Thanks
    Yea i know. 1 time in 10 years sounds like pretty good odds that I’ll be fine. It could have happened at any hotel on the strip. I stayed there last year and had a great time.

  • Jermaine says:

    Is there a flat fee for each credit card transaction, in addition to a %of the amount charged to the card? or is it only a flat fee, or is it only a %? (if it is only a %, why would some restaurants have a ‘minimum $x purchase with credit card’ limit?)

  • Marcelino says:

    I went to a strip club 2.5 weeks ago. I used my AMEX credit card for a cash advance of $110. They swiped the card, I signed the slip, and they wrote down my Driver License # on the slip, Why? Am I going to have someone knocking on my door because of their error? Why wouldn’t the charge show up on my statement? I have been checking almost every day.

  • Rosena says:

    I do not have an American Express credit card or charge card, nor am I getting one in the foreseeable future. I have a credit card with a different company. I was just wondering what the penalties were on AM-EX charge cards. I know the website says that each purchase is paid in full at the end of the statement period. However, they mention nothing about interest? If for say, someone got in a sticky situation and couldn’t pay the full amount, is there a hidden fee charge that comes with failing to pay in full? How are AM-EX charge card holders supposed to know these penalties? Just wondering, Thanks!

  • Corey says:

    I got into an accident. I was 100% prepared to pay the damages ($1600) in payments, like discussed with the manager. The card that the car was rented on was maxed out. They went ahead and charged a card that I had used once to extend the rental (we do monthly rentals and extend weekly). So, the only authorization they had on paper was for the original card. They only had a verbal copy and authorization on the second card. Is it legal to charge that $1600 to the second card?

  • Connie says:

    I want to make a paypal account. I don’t mind activating it with my credit card, but I was hoping to put money into the paypal account with my credit card, and when I wanted to buy something, use that money instead of charging directly to the credit card. Can you do this?

  • Alonzo says:

    I went into a debt consolidation program, and paid off all my cards last month, YIPEE!! Now I have a balance of zero, but got charges interest…

    10/09 INTEREST CHARGED TO STANDARD ADV $9.97
    10/09 INTEREST CHARGED TO STANDARD PURCH $10.04

    What do these mean? and why did I get charges for them if I had no balance?

    I was young and stupid when I got this card, so feel free to add some advice, and explain things in-depth.
    Thanks! and the interest isn’t counted as part of the balance, thankfully. That all makes sense though :)

  • Lashaun says:

    I was recently approved for the green amex charge card, does anyone have the card? I know its around a $95 annual fee, but do you like the card and are the benefits good?

  • Rodger says:

    So, I ought a laser from amazon.com like 2 days ago. Recently my parents switched credit cards to lower their interest rate. The thing is that you cant even charge one penny on your old card or your rate will go back up. And of course when I was entering billing info and stuff I put in the wrong credit card. The item is already in the shipping process by now and cannot be canceled or modified. Is there any hope that I could refuse the item and have it shipped back for no shipping charges? My dad tried rejecting the charge, but it didn’t work. Any ideas? because I am so screwed if our rate goes up again.

  • Annabell says:

    Ok, so the situation is I went to Atlantic City with my family. We booked the hotel room online and we went there, checked in and went to our room. I checked my bank account and they took the money from it, and an extra $100 for deposit. On the last day, I went to check out at the reception and asked the lady when I will get back the deposit and she gave me the receipt. When we got home I checked my bank account again and there was no charge for the hotel. They put all the money back into my bank card. Not only the deposit but the whole amount which was on the receipt. Did they make a mistake or they will take the money after a certain days? This is the second they since we checked out from the hotel and they still didn’t take the money for the one night.

  • Mickey says:

    How long does a merchant have to wait before they can be sure that a credit card transaction will not be charged back? Is there a certain period of time that a credit card company or consumer have to initiate a charge back after a credit card purchase is made? Thanks:)

  • Shin says:

    So I ordered a Blu-ray DVD player from Bestbuy.com for Christmas for my husband and received an e-mail it was backordered. As I needed it for Christmas I canceled my order. A day AFTER I canceled it they charged my card! I called them complaining and they said it should be off in 48-72 hours, blah, blah. I think this is completely unfair! It was over $300.00!! I wanted to go to the actual store and purchase one, but not now…not until I have my money back! I just was wondering if this seems right to anyone else??! I’m sitting here stewing and would just like your opinions! Thank you!!

  • Terry says:

    Explain the difference between the following items:

    Charge Card: _______________
    Debt Card: __________________
    credit card:_________________

  • Emerita says:

    What are those Visa (I think?) credit cards where you charge money to them called and how do you get one (where to buy, etc)? If you can help I would be forever grateful. Thank you.
    http://www.walgreens.com/store/promotion/greendot/default.jsp?ban=slt_greendot

    Well I found it but does it really cost $10 to activate? That’s crazy.

  • Heath says:

    I got charged for some fees that I don’t know on my credit card. Is there any way for me to avoid those payments?

    It’s actually some kind of trial product I signed up for. They started to charge me for monthly fees after the trial period, and I didn’t even know. They didn’t say anything about the monthly fees on the home page, either on the term and condition or FAQ, so it is really hard to know they actually charge for monthly fees. Here’s the site:
    http://www.overnightgenius.com

    To Heaven Lee: It doesn’t says how long is the trial period on the web site, only says free software trial, kind of get you sign up for the program without letting you know there is a actual charge for monthly fee

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