How To Decide On The Best Charge Card Offer you

Credit cards have obtained extremely prominent location in our life fashion these days. You will find little or no earning people urban inhabitants that don’t have got any kind of charge card. Recently, even growers are increasingly being supplied Kisan . This shows the puncture of Plastic card in your lives.

Plastic card Asia has changed the way you store right now. It’s got brought about profound modifications not only in cash-a smaller amount purchases and also in buying online. Actually, without bank cards shopping online do not need been achievable.

Charge cards perform by offering certain restriction of credit rating to the consumer. Individual can use this credit limit for getting products or services from legitimate enterprise. Standard bank will cover the goods or companies purchased by consumer. A elegance amount of 45 nights is given to consumer when, the buyer will have to pay back the amount to bank. Interest is incurred on unpaid amounts.

These days, virtually all banking institutions supply charge card Of india. Cards can be had by utilizing online. Financial institution clients can use for charge card. But, before applying for credit card, you should be familiar with conditions and terms of the involved standard bank before you apply for charge card.

Several of this sort of terms and conditions range from the grace period that is certainly supplied. On basic size, leeway time period is between four weeks to sixty days. In the event the lender offers a elegance time period of 30 days, that means that the consumer needs to settle any exceptional sum within 1 month of time. So, basic general guideline is the greater the grace period of time, the better.

An additional ingredient that determines if the lender offers finest credit card center is curiosity that is certainly billed on outstanding volume. The lower a person’s eye price better, because if at all on account of unanticipated circumstances, if the consumer can’t settle, awareness will heighten the load. So, bank card which charges a smaller amount interest is required.

Another criteria to find the finest bank card is thru delivers like festival discounts, money-back gives, lower price on making use of bank cards from selected financial institutions may also be of great interest for customers.

It’s possible to respect individuals as well bank cards where there are no undetectable fees. Specifics of hidden expenses come in stipulations.

For benefit of comfort, finance institutions present on the internet software which may be chock-full and posted on the web. This protects lot of time of standard bank clients as those customers do not possess to check out the bank physically and spend some time posting the approval. To avoid wasting added time, financial institutions have released facilities like AIP (Endorsement In Principle). This facility was initially created by Normal Charted Standard bank. With this particular facility, a web-based program for is reviewed instantaneously and concerned buyer is offered a feed again about their credit history and whether he / she is qualified or otherwise not. This facility is assisting the two banking institutions and charge card job seekers in saving their time while at identical time, accelerating their minute card endorsement process. One has to observe that AIP (Authorization In Rule) is the initial step while obtaining charge card as it offers simple details about consumers credit history.


  • Mariella says:

    Anyone know how do you apply for a credit card? Cause I wud prefer to spend money with my card instead of by cash and withdrawing it out of my bank all the time to purchase goods

  • Lavina says:

    I want to sell credit card processors but I am trying to find out how I can get started in the business

  • Ignacia says:

    My husband’s been working for a cleaning company that’s miles away and has decided to get his own company together without having any real knowledge of how to get it started. He’s got his EIN number from IRS and his company name. But he’s not business oriented and doesn’t know how to really get started. That’s where I come into to the picture. I don’t know where to look for the jobs. Are there agencies that you can advertise your cleaning business with, that typically, when businesses are in need of cleaning compnies, can look at? We’re located in south central Ohio. There’s no question that we have the skills to do the work. We just need a little help getting it started.
    You can contact me at

  • Isreal says:

    Standard Bank advises that yahoo blocks my credit card statements , that is why I do not receive them by e mail. Other yahoo users apperently have the same problem. What can I do

  • Alonzo says:

    I’ll admit it. I’m an American Football fan. I prefer to watch both college football & the NFL. With the Olympics starting, I think I’d like to watch some of the soccer games. I have watched a little bit of soccer. It doesn’t seem much at all like football. I do see some similarities with basketball and hockey. Any tips you can offer to help me understand the concept of soccer?

  • Liliana says:

    I’ve been told that it has to do with the banks ‘coursing’ information that they hold on you as a customer. Is this true? How exactly does it work? Do they share information with other banks in this respect? Do you run the risk of being refused an overdraft if a bank credit checks you and see’s that you have too many other overdrafts?

  • Cristobal says:

    Is it possible for a bank to offer a million dollars in a credit card?

  • Dudley says:

    I am attempting to establish credit but I don’t really have any idea of how to go about it. Credit card companies send me offers every week. But I know that most of those are no good. I read all of the information they send me. I find out that the 0% apr rate is only temporary. I also discovered that I will be charged all kinds of fees just to open up the account. I don’t even want to mention what happens when you default. What way should I go about this. I have close family members such as aunts, uncles, my own mom and older brother who have all gotten caught up in the credit web. What should I do?

  • Adria says:

    Because my divorce, I have to re-mortgage my house to remove my ex wife’s name from the mortgage. Well, I live in the suburbs of Detroit and the home values have dropped so much, I owe more then the house is worth. At this rate, I do not have the requested 10% equity for standard banks to re-mortgage my house. What are my options? The lawyer said I have 90 days to get her name off the mortgage…what do I do? Any help would be appreciated!

  • Terry says:

    Lets say I have a blance of $1000 on a card w/ 20% interest. After one month of not being paid in full, would there be an additional charge of $200?

    Basically, is the interest accrued monthly?? Whats typical?

  • Delfina says:

    And what are some credit cards for people with no credit? What sites are fraud and which are not? I really need to know. I’m looking to build credit. I’m 19 and I’ve never had any kind of credit card. Could I have credit without doing that?

    Much help appreciated!!
    No, I’m not in college at the moment.

  • Leo says:

    According to FSA (financial services authority) guidelines, if somebody in a call center phones you, takes your bank details (16 digit), but then you don’t accept the terms and conditions, can they legally charge your card?

  • Celeste says:

    I’m only sixteen, so I’m getting my paychecks in cash but I don’t have a credit card so I can’t order stuff off of E-bay or anywhere else on the internet. My dad doesn’t want to get any bills in his name, and he won’t let me get a credit card or anything else under his name either so thats out. Anything else I can do?

  • Jaime says:

    I’m a rookie grapic designer I made a logo for my workmate it took about 8 hours to make in total , we never discussed a price and id be happy to do it for free but if she offers that would be good Cus I kinda needs the money what would be a good price to say she owes me? The logo came out looking badass BTW

  • Werner says:

    I am trying to decide if going to one of these Debt resolution companies is beneficial to me. How do they get the companies to lower the balance? Can I do this without going to them? Will going to one of these places hurt my credit rating?

  • Olive says:

    Tired of calling places for rates just want it in writing. Pricing per credit card charge, rates of credit cards, debit cards, and checks. Monthly rates and rental, lease, or to buy is the better way?

  • Lizzie says:

    Transfer money from Standard Bank Tjek/Savings to Paypal?

  • Shiloh says:

    Hi, I finished school in August and got a job. I have no credit I guess, and I want to buy a car so I have to get some credit. I paid off my $2600 student loan in one payment and I guess that really does not help. But I have read that credit cards really help your credit if you know how to use them. Right now I just carry around my debit card. So how do you take advantage of CC, and which one works best to build credit. Or if First Citizens Bank has something like that, since this is where I bank and will prob be getting the loan from, that’d be good too!

  • Taryn says:

    I have a credit card debt. I have been offered a settlement of 60%.
    The letter says that once paid, they will consider the account settled in full. What will that look like on my credit report and how will it affect it negatively?

  • Selina says:

    just wondering how a secured credit card works and do you have to have it for a certain amount of time? We are wanting to build up our credit and want to know if this is a good way to do it with this kinda of card? Thanks

  • Jamie says:

    I had been laid off three times in 18 months and ended up working part time for a while and finally settling for a job making considerably less money. Now I cant afford my credit card bills and need to get some help but dont want to go bankrupt. Do these companies really do the job they say they do?

  • Nan says:

    I applied for a credit card from Credit One bank after I got an offer in the mail, but now that I got it I decided that I don’t want it or need it. Apart from that, the annual fee is ridiculous. They already sent me the statement for a $75 annual fee with a min payment of $20 even before the card itself arrived. Can I just not activate the card and ask them to close the account? I don’t need the card and that annual fee is ridiculous.

  • Merrill says:

    I’m 21 and have made some studip choices on getting credit cards and charging them up. I have $8000 in debt and am still in school. Is there any way to get this reduced or set up as one payment. I can’t continue to keep making the payments due to living expenses. Thanks.

  • Lona says:

    I would offer removals, no job too small, long distance, also general garden maintenance ie Grass mowing, hedge trimming etc. I would also do store pick ups, for example if you had a new appliance too big for your car, I would deliver at a better charge than the store. Really want to know how much intrest I would get if I did decide to go ahead… Cheers people..

  • Quinton says:

    I’m 18 and I’ve had a credit card for about 4 months now and I’ve been paying off my bills in full does that hurt my credit score. I heard that if you have a balance on your account it shows lenders you are capable of paying off debt? Anyone have any answers?

  • Karlyn says:

    in a standard bank how many departments are available.

  • Sondra says:

    This is for Canada. The two companies offer a monthly or yearly fee. isnt’ there just a one time fee for ONE credit check?

  • Clifton says:

    We need to pay a company in the US from our Standard Bank business cheque account in South Africa

  • Nolan says:

    A friend has been collecting trading cards from all major North American sports leagues for the last 20 years. Most of the purchases were made between 1990 and 2000. These were bulk purchases, several boxes at a time (mostly special edition boxes), and to this date none of them have been opened and they have been well stored. Easily over 200,000 cards in total. Would it be best to open them up, see what treasures are inside and trade them online? Or would it be better to seek out someone who wants to buy them all in one shot, without knowing what’s inside?

  • Grant says:

    I wanna know what retailer offers the best deals on camcorders like amazon ebay bestbuy or what?

  • Jennette says:

    I’m buying a car today and need to take £3700 with me in cash to buy it. Do I just walk down the bank or do do I need to phone someone or something? My bank is Lloyds tsb and I have a standard bank account.

  • Terry says:

    I have money in a paypal account and want to send from paypal to a bank account. Which south africans banks support pay pal and would be able to accept the money? Would standard bank accept from pay pal?

  • Alonzo says:

    Hughesnet salesman offers satellite internet service, free hookup, for 300US billed to credit card. Installers charge 345US, credit card bill =475
    Big overcharge, no response from company after many calls. Card company says tough, must pay bill. What to do?

  • Quincy says:

    I have some credit card debt and I don’t know what credit card company to consider, either a “CCCS” or Debt Settlement company. Is there a better alternitive to either?

  • Golden says:

    what is the requirements of Standard charterd bank

  • Buster says:

    have a sign from a bank building in liverpool standard bank of west africa made of copper. is it worth anything?

  • Jacqualine says:

    Recently I have noted sound clips associated with fairly standard advertisements (banks, cars, holidays etc.) included on on the homepages of several sites I visit – particularly on-line newspapers. Clicking the mute icon works for only a second before it is somehow overridden.

    How can I block these audio pop-ups? I have no problems with the traditional commercial visual variety.

  • Michel says:

    I want to make a money transaction from icici bank to standard chartered bank. How much time will it take. Now days it is core banking so I assume it will be done instantaneously.

  • Kip says:

    I have made arrangements with my creditors and have not defaulted on my arrangements. These are 2 credit cards (Absa and Standard bank) I also had a homeloan with Absa bank but the house with reposessed when I got divorced. I am paying all these people a reduced amount each month but just never enough to get out of the red. Meanwhile I need to buy property again. I am wasting money on renting. Someone help me please

  • Milo says:

    I need to accept credit card in my business but I have no idea where can I get the terminal. Please recommend me a company that offers good rates. Thank you.

  • Carmela says:

    I work in a call center and one of our clients pre authorize an amount on the customers credit card for seven days. They offer 7 days free trial after the 7th day if customer decides to keep svc it will charge the amount if not it releases. I had a few customers calling saying that got overdraft for the hold… Can the bank do this since is just a pre auth?

  • Darrick says:

    If I go to the bank and submitted all the documents, I would like to know from when will my account be activated as well as when will I get my ATM card and PIN for that?

  • Leonel says:

    I was just wondering how interest rates get lowered on credit cards? Why do some people have lower interest rates, and some have higher? I understand the whole difference between credit scores and that some people have better credit than others. But I know that every single person with a low interest rate on credit cards didn’t “call and dispute with the card company until they lower the interest rate”. So, how do they get it? Is it something the credit card companies monitor regularly and lower according to your credit improvement and such over the time? I’m 24 years old, my credit score is 750+. My cards have been allowed higher credit increases in very short times that I’ve had them, due to zealously paying them above and beyond the expect (and sometimes multiple times a month). None of the cards are charged up 1/3 of their limit..less than that. What things can I do to get lower interest rates? One has 22.24%. Not sure about the other two.
    Absolutely nothing bad on my credit…
    Actually…while it is a good practice to stay on top of what you charge on credit cards (and to immediately pay off what you owe to avoid interest)…it’s good to carry a balance from time to time. Credit cards are for that; for credit. Meaning you DON’T have the money at the time – Thus, that’s the whole point of credit. You can buy what you need now, and pay it a little later when you have the money. Though of course, you don’t charge up what you know you won’t be able to pay back, either. But good credit isn’t built without carrying a balance at some point. If you cancel out your charge each month by completely paying it off, where’s the ongoing charge for ‘credit’? It shows them you are just playing a game, trying to make your credit better, but not being able to apparently handle needing a higher credit limit (which can and does indeed affect your credit score, that I do know). So…if they see that you “pay it off instantly”, what’s the point of them upping your credit line??

  • Len says:

    I want to put paying options in my website so my clients can buy on-line my products? I would apriciete if you would tell me where I can find a way to contact to the attorneys who offer this paying options. And if you know many ways of paying for my products I would apriciete if you would give me a complete list of paying options.

  • Whitney says:

    I live in a small town and have looked at a few houses. Ive looked at one I really like and they are asking $86,000. How much less is normal to offer. I know there are always things to consider with the house. Year built, roofing etc. With all that aside, how much do you take off when you put in an offer on average. Ive never bought a house before. I don’t know what to do and my realator says she will never tell a client how much to offer.

  • Tom says:

    Is there a difference? I am sick of buying travelcards everyday when im in london (im never there for 7 days, so have to get 4 1 day tickets etc.) so i am thinking of getting a visitor oyster card as i will save so much money, but is there a difference between a normal oyster card and a visitor one? Am i losing out on any deals/offers etc. by buying a visitor oyster card? Thanks in advance :)

  • Lashonda says:

    I have been trying to resolve an issue with Standard bank for a month and they are giving me the run around about additional money I deposited into my Bond/Mortgage facility.

  • Brigida says:

    After helping my friend learn English pronunciation, I’ve decided to post an ad on Craigslist offering English Lessons. I was thinking $10.00 an hour and I buy the learning supplies like notebooks and index cards, but what do you think?

  • Lela says:

    After applying a form I-485 a couple of years to get a green card. He finally gets a green card (permanent resident).

    A person who was granted asylum wants to visit his country which he applied for asylum.

    If the above person can not go back to his country, how about his children?

    If you can refer me to a specific goverment website or the code of law, would be very appreciated.

    Thank you.

  • Joette says:

    Does it really take the same time for a $1.00 check to clear compared to $17,000,000.00 from a over seas bank sent here by Fedex in a standard bank check form ?

  • Ashlie says:

    Is Mr. Richard Meddings an employee of STANDARD CHARTERED BANK PLC UK?

  • Len says:

    I want to get an Amex card. What are the pros and cons as compared to Mastercard/Visa?

  • Marhta says:

    I have 5000 balance spread out on 4 different credit cards and i want to take one of the balances, which is 3,000, and TRANSFER it to another caard with LOW transfer balance APR fees…what are my options???

  • Arthur says:

    I applied for a credit card before reading all the fees. I got approved for a $300 limit, but after all the fees my available limit is $75. I got the card two days later and have not activated it. If I cancel the card am I still stuck with that $225 worth of fees?

  • Dave says:

    I have a £100 limit Capital One Classic CC, and I want to spend another £170. Is it possible? I know I will get charged, but I dont care. Its my CC, and I have to have the purchase Im looking at. :D

  • German says:

    please give me some advise on how to identify if these online jobs are legitimate? Most of them, if not, all of them are asking for your credit card account.

  • Sierra says:

    I’ve been distributing my service around my community for anyone who wants creative business cards made for them. Basically, instead of just making a template and putting the contact info, I decided I can design the card into the shape of your product, make the letters outstanding, use 3D shapes to get more creative and incorporate interesting colors, real textures and use different materials and shapes to make the card. A few people are interested, and I was wondering how much should I charge? I’d be designing the layout, template and design and adding a creative element, but I won’t be printing.

  • Rosalina says:

    I’m a college student, and I would like to apply for a credit card. I’ve heard of ridiculous interest rates and fees, and I don’t want either. I also only have student loans that reflect on my credit, but I’m not saying I have bad credit. What would be a good credit card for me?

  • Quincy says:

    I’m with BofA and they will soon start charging $5 monthly and many other banks. Are there any banks left that will still have free of charge checkings account?

  • Shanda says:

    I am looking into buying a phone for my friend with Virgin Mobile. I want to get him the Unlimited plan which is $49.99 a month. If I buy Top Up cards will they cover that monthly fee or is that just for adding minutes to your phone? I don’t have a credit card or Pay Pal so I am wondering. Thanks.

  • Garnet says:

    I’m requesting my official high-school transcripts from the Ministry of Education. The only way to pay for it is by sending my Credit Card number and Expiration date in a form along with my request.
    Is this safe? Should I use UPS/FedEx or is regular mail just fine?

  • Cyndi says:

    Eating in but fancy a day at the waterpark Furthermore, how would you take it? Cash? Or just get it out on a debt card. I am little worried about the financial situation there.

  • Alton says:

    Could anyone know standard chartered bank-Amritsar Branch local phone number.

  • Elliott says:

    I’m planning on applying for a credit card. So I need to know the ins and outs of getting one. Like pros and cons, what to look for when getting one or which one is good to get. I also need to know what annual plans and fees are and those kind of stuff. Help would be much appreciated.

  • Nelson says:

    I am trying to figure out how much money I will need to save for a 7 day cruise on Carnival. My fiancee and I are average drinkers (probably 4-5 drinks per day) and would most likely go on about half the excursions that are offered. Given that information, can anyone give me an estimate of about how much money I should be saving?

  • Kellee says:

    So, if we decided to go epcot for the morning. And then hollywood studios in the afternoon on the same day, do we have to pay again for parking, or is it good for both parks?

  • Kristie says:

    It would seem to me that it would significantly weaken the ability to borrow fund to meet the public debt and would plunge Ireland into a far worse economic climate.

    What do you think?

  • Lionel says:

    I just want to know is Standard Chartered Bank good company to

    start career. I know its multinational bank. Am currently MBA fresher.

    I have job offer from Ford Motors also. I dont mind about the salary.

    What i need is good career and good firm to start.

    Please suggest me which shall i choose Standard Chartered or Ford Motors

  • Celeste says:

    Can any one tell me what is the procedure for opening an account in Noble Finance Plc for persons living in India. Can he apply on line at their website? If so what is their website address. Also tell me is it a standard bank like CITI Bank, HSBC, ANZ Bank etc.

    I have been asked by somebody in UK to send $ 1000 for account opening and I felt that something is fictious and scam. Please respond as early as possible.


  • Connie says:

    I would like to switch to a strictly internet/atm based bank, but a lot of my income is cash based – is there any internet banks with cash deposit options? I don’t want to have multiple accounts and be forced to transfer from a standard bank to an internet bank. Thank you!

  • Issac says:

    I applied for a standard Bank Account but my credit rating is in ruins! SO they said I could only have a Baisc Bank account. It seems OK. But what card do they give you? Recent openers only please cos I think everyone recently phased out the ***** Electron.

  • Olen says:

    I’m a customer of Standard Bank of South Africa. I have a cheque account.

  • Avelina says:

    Is it possible to transfer funds from Europe into a Standard Bank Blue Bean Mastercard account in South Africa?
    What details does the account holder in Europe need ?
    Any specific procedure that must be followed ?
    And how is the recipient notified when the money is in the Blue Bean account ?

  • Anja says:

    what is the 3 digit bank code and branch code for the standard chartered bank in hk

  • Jeanna says:

    does it include Standard Chartered Bank, Hongleong finance, ocbc? And till how much they will guarantee is it 100% of the deposit amount or…? is it only on Saving account or also for current account?

  • Terese says:

    Got the visa debit card from standard chartered bank in Nigeria. Can it be used in india

  • Torri says:

    i am on a debt management programme,they reccomended think banking but i found these rubbish as you can never get through on their phone lines….. please help!

  • Keena says:

    Like how to transfer money from Standard chartered bank to RBC bank? These banks are located in USA.
    Only one of the account is under my name

  • Erin says:

    is it possible to get a standard bank account when bankrupt ? no overdraft or cheque book just the abillity to pay money in and setup direct debits etc. zero credit facillities.

    Anyone know of a bank in the UK who will do this?

  • Hollis says:

    Supposing I visit london , (I am a resident Indian) wish to use my Indian bank debit card to with draw GBpound from London Standard chartered bank. I have account in SCB in India. Is it legit? how much will be the charges applicable?

  • Cedrick says:

    He is 21, With not so good credit (which is the reason he needs the loan). Do standard banks such as Chase give emergency personal loans? If not, then… who does?

  • Jefferey says:

    I have some amount outstanding in Balance transfer account in my Standard chartered credit card. How can i pay for the amount? I don’t have a savings bank account with the standard chartered bank.

  • Kristan says:

    So to save time, quicker getaway by not having to leave my car and whatnot, I write the standard bank robbery note that robbers slip to the teller, pull up to the drive through,put the note in the container and send it up the chute to them.

    Then if they don’t take me seriously, what I could do to show them I mean business, is I could place my gun in the container and then send that up to them too.

    Lol what would they do?

  • Bert says:

    I would like Yahoo! to host my e-commerce website, but would like to know if its possible for transactions to be linked to my local bank here in South Africa, Standard Bank. Please help me with this one, before i decide.

  • Bruce says:

    I am a 16 year old student (enrolled in high school) that is looking for a position in the banking industry, preferably as a teller. It seems that for the national banks, such as Bank of America, Wells Fargo and Capital One all require applicants to be a minimum of 18 years of age with a high school diploma or GED. Do you know if this is a standard for all bank tellers throughout the nation? Or is it possible for small, regional banks to operate with a 16 year old teller? In fact, is there any job within a bank where you could be an intern while attending school?

    Thank you for all of your answers! Your help is greatly appreciated.

    If it helps at all, I live in central Texas (USA).

  • Carmela says:

    I wonder that the sentence in the letter of credit that asking for the seller issuing performance bond issued by top 150 standard bank presented by the World Bank. What does it mean? What are the names of these banks?

  • Nickolas says:

    I earn the bloody money and should be able to do what I like with it. Why should I have to use a service that I don’t want in the first place – I hate banks.

  • Jaime says:

    I did sell my car in London, and need to take the money from my car over to South Africa where I do have an account with Standard Bank and also with FNB Bank.

  • Mary says:

    I am a 16 year old student (enrolled in high school) that is looking for a position in the banking industry, preferably as a teller. It seems that for the national banks, such as Bank of America, Wells Fargo and Capital One all require applicants to be a minimum of 18 years of age with a high school diploma or GED. Do you know if this is a standard for all bank tellers throughout the nation? Or is it possible for small, regional banks to operate with a 16 year old teller? In fact, is there any job within a bank where you could be an intern while attending school?

    Thank you for all of your answers! Your help is greatly appreciated.

    If it helps at all, I live in central Texas (USA).

  • Olive says:

    Please let me know which banks do British like to use in England? Standard Chartered Bank?? Awaiting for answers…… Thank you.

  • Shiloh says:

    I find that service standards of local banks in Singapore, especially UOB Toa Payoh Central branch, are getting from bank to worst? Please share your experiences.

  • Zackary says:

    Hi just wondering if anyone with more knowledge could shed some light on how much interest would be earned in one year for £1000 in a standard uk bank account? Approximations are fine lol

  • Judi says:

    I’m pretty sure it’s possible, but I’d like to hear details please.

    Does the car have to be a 2000 or newer model? Does a standard bank give out the loan? How do I go about getting everything done? etc, as much information as possible please.

  • Chester says:

    Hello I would like some proper advice on transferring money from my FNB Bank Account in South Africa to a bank in Uganda. The only way I can presently do this is by transferring money from my FNB account to a friends account with Standard Bank also in SA and he gives me the exchange rate in Uganda Shillings, and this is a little inconvenient for me for two simple reasons, I have no guarantee that my friend won’t disappear with my money and secondly I lose with the transfer costs, I have to settle to the nearest 100 which also loses me money. Is there any way I can transfer the money directly from FNB to a bank of my choice (preferably one with a direct link up with FNB) in Uganda. Otherwise you have to wait sometimes 3 days for clearance between banks to get your money. I know that all monies transferred out of SA must go through the SA Reserve Bank and therein lies the biggest problem. The money I transfer through my friend is my pension money and Allan Gray say that they cannot pay the pension fund into an off-shore bank account. If anyone can please advise the easiest way around this scenario I will be very grateful.

  • Johnnie says:

    Please give me details on laws, rights, standard bank practices, etc. and how you know this or where you got the information.

  • Catarina says:

    I have applied a loan from Equity Solutions Comapny which was approved. Bank of America will be the source of fund and it will be transfered to my Standard Chartered Bank account thru thomas Morgan Associates Law Firm who is asking for a US $ 760 for the proccess. Shall I push this on or is this a kind of scam. Tahnk you……

  • Tyra says:

    I am proud to be an Indian. I am having a Standard Chartered Credit Card [Add-on Card]. I want to obtain an independent credit card. I feel our Indian Banks can never compete with famous banks like Standard Chartered Bank, Citibank, etc. Must I go in for an Indian Credit Card only? Please help me.

  • Wayne says:

    Standard Bank and ABSA start phoning about a week before payment is due on overdrafts and credit card payments and continue to do so untill payment is done. These phone calls are made after hours and over weekends. I feel this is an invasion of my privacy as I cannot go to the bank after hours to see the bank manager.

  • Jacinto says:

    Is this a reasonable and affordable working class option to the standard Swiss Bank Account, in order to obtain financial privacy from domestic government or court (USA) prying?

  • Silvia says:

    I have to complaint regarding Banking Operations of said bank and mentioned branch.
    Can some-one furnish me the email addresses OTHER AUTHORITIES too, where I can mail to have my problem resolved.

  • Chad says:

    Home loan Amount = ? INR
    Home loan Duration = ?
    Keeping standard interest bank as banks offer diffrently?

  • Melania says:

    Can the credit card company/ Do the credit card companies then come after your “next of kin”? How do they decide who? Or does your debt die with you and is chalked up to a poor credit decision on their part?
    Is it just they have first claim on your estate?

  • Enriqueta says:

    hello, and thank you for your time. As you can see, I am trying to purchase an item from which is around $250-$300. however, I do not have a credit or a debit card ( I have cash). But I do have an ebay account (not linked with paypal) and a paypal account (not linked w/ credit/debit card)

    So as you can see, my only option is to go down to my local shop (Ralphs, cvs, Albertsons, etc) to buy myself a giftcard or a prepaid card. the problem is, I do not know how these cards work, or anything about them. E.g. today I saw an ebay gift card there, so how do I use that on ebay? Do I need a paypal for it? Will it work like a credit card? are there any bills or hidden fees? Do they even go up to $300 (or do I need to buy like 12 $25 cards) plz explain to me the easiest way to buy from ebay w/o credit or debit cards.

    Ps, I do not want any hidden-fees or monthly fees, I just want one of those gift cards llike from starbucks but only you use them on ebay.

    Again, thank you for your time

  • Christine says:

    We are starting up a business, and as everyone knows credit cards are very common. We have no idea how to go about searching for credit card terminals, the going rate per transaction or anything about the process. Does anybody know how to get further info? I would really appreciate it. Thanks.

  • Maribel says:

    I am 19 and was looking in to getting a credit card for major emergencies. I am a waitress and my husband is a bus boy. in our paychecks he makes enough to pay our rent (with some left over) and I make enough to pay our bills (with some left over, which since I only pay bills once a month leaves us with quite a bit extra) I also make tips which I use for little things like gas for the car and only use our account for bills and rent. Recently I had gotten sick and they cut my husbands hours so we almost couldnt pay our bills, but I used my tip money and got everything paid on time. I wanted to use a credit card for times like that when we don’t have enough (I’m sorry i’m droning on but this is just in case you guys need some financial details on my life) We have lived very well without needing a credit card and our credit is immaculate because I pay all our bills on time or before their due date. My bank was offering a credit card that offers cash back and 0% APR for the first year, and 12.99%-21.99% after the year is up. It says I need a balance transferred within 90 days to get the 0% APR. I don’t get it, I need a balance for a credit card that I don’t plan on using all that often? Can someone explain this to me? I took a class in high school but it covered things like how to write checks and figure out rent not how to do credit cards. If this isn’t a good deal does anyone recommend a different credit card for my situation? Please and thank you.

  • Whitney says:

    So I received a paper that said that I was pre-approved for a Visa card and just to send it back so I did. When I received my card, it had a sticker on the front that said “Call today to activate! For your security, cards not activated within 14 days will be closed” So before I activated the card, I was reading the Fine Print and found out that the APR was 23.90%. I thought that was WAYYY Too much so I decided not to activate it and just placed it inside my drawer. Then about 3 days after I received my card, I got a bill that said that I owed 74.75 for opening an account. Then Yesterday I received my pin number and the card said that my card was already sent to me, and that if I had not received my card, to call them. I haven’t used my card. My question: Will they still charge me, even if I didn’t activate my card, or should I just wait the 14 days to see what happens?? Thanks!!!

  • Scott says:

    Hypothetically if you have a person who is paying minimum payments on a credit card you have and since they are doing this for you they decide to charge 5 and 6 times the amount on the card without your permission, is this okay? I have only used my credit cards maybe 7 times in my entire life and they are only used for emergencies. I have someone in my family who volunteered to help me out and make minimum payments for me until i can get a job. (i am a college student) So i trust the person and when i finally check my statements it turns out they are charging 5 and 6 times the amount on my cards without my permission and paying the bare minimum. They have been doing this for about 4 or 5 years. Just bc they helped me does it give them the right to make unauthorized charges to my card? Are they entitled to do this bc they helped me although I have been making payments on the cards as well.
    I am kind of stuck here bc although they helped pay the minimum until I could find a job, they still charged about 5,000 dollars on my credit cards without my permission. Do I have a case here or not?

    Also, work has been hard to find since I am in college and did not have a car, but when I finally got financial aid money and cash from work study I would pay entire credit cards off at one time. Example I had one card that had 1500 on it. So what I did was save enough money up and I eventually paid it off in one wack. When I recently checked my statement this person charged 1400 bucks back to my account again.
    what happens if they are charging a lot of money but only paying the minimum payment and then the next month charging more and making another minimum payment and the debt is going up instead of down.
    No, i specified but he said that he felt entitled since he was helping me.

  • Heath says:

    I have a Chase bank Credit Card right now and I admit, I’m too lazy to go to the bank today and decided to just ask here (I went yesterday, looked at the line, came back to home)

    Anyway, on the account online, I have three numbers on the credit card, that I think may result in me paying the APR interest, but I’m not sure which one.

    An example:

    Current Balance: $700
    Statement Balance: $75
    Minimum Payment: $0

    Now, I am wondering if I pay my statement balance every month, do I still get charged the APR rate? Do I have to pay the current balance every month, in order not to get any interest charged to me?
    This is what I usually do…

    I charge the credit card today, go to Chase’s online banking website and pay it off when the balance shows up.

    This is the first time that I actually don’t have the money in the account to pay the “Current Balance”, not the statement balance which is $75 because I haven’t transferred the money from another bank.
    Also, the credit card is Chase Exclusives Freedom and it has 20 days grace periods.

  • Dione says:

    I just got an offer in the mail (the green card) I am gonna take it and get rid of my Bank of America Card. However my father said he is surprised I got an offer from them, I am 20 I have had a credit card since I was 18 and he was always skeptical that I got one at such a young age however I have been on point so is the offer I am getting special in anyway?

  • Willard says:

    Getting ready for Birthday/Christmas shopping, credit is too bad for credit card (I order stuff online) using a Visa Debit.

    Best Buy


  • Ernest says:

    I’m looking to make myself a computer and it will cost $500. I have the money I need for it already but I decided to look into those offers for credit cards that say “Spend $500 in the first 3 months and get $200 back.”

    Is there some catch to this? Why would they give you $200 dollars back if they aren’t charging you an annual fee or any interest as long as you pay it back on time?

    What information am I missing? If I got the card it would be basically for that one purchase, pay it off immediately, and keep it as a just in case my car breaks down thing.

    Any help is welcome…I’m looking at a Citibank and Chase cash beck credit card offer.

  • Nestor says:

    has anyone paid over 30 dollars as service charge for making credit card payments online.?i was charged 32 bucks recently for paying monthly rent and the explanation was it was a luxury offered by the company and has to pay in order to use the service. They took 3% of rent as service charge.. What you guys think about this?

  • Sal says:

    Someone referred me to “OPEN Business Network” by American Express, where I wanted to apply for my first business credit card.
    The Application was successful, but now in the mail when I got the Gold card, it does not have any ‘spending limit’ and it turned out to be a Charge card and if I decide to activate, I have to pay US$125 per year. Amex Rep says that I can use the card for even 10,000 purchase, but I have to pay the FULL amount back within month.
    Which means, I cannot pay minimum etc, like traditional credit cards. My question is that how does this kind of charge cards helps small businesses and for what reason one will go for a charge card with no spending limit, but yet so many restrictions.
    Any help will be appreciated.


  • Ranae says:

    i’ve been wanting to have a credit card since i turned 18. i know they are the devil and i can be responsible with it and not get into a hole that most don’t get out of. i know about the other various ways to build credit like cell phone contracts, and lease agreements etc. but i’d rather have a credit card also. It seems all the ones i could apply for need a credit rating.
    Any help or other suggestions would help immensely!

  • Jamison says:

    Ok, I’m new to the whole credit card thing. I was always afraid to get one because you hear all those horror stories about them. Well, I decided to look into it anyway for emergencies and things like that. Is the lower the APR the better? Does anyone know where I can get a good honest card if I have no credit or bad credit? How about one that wont charge me a load of money just to get it? Someone with experience on this who has a card like what I’m looking for, please help!

  • Salvatore says:

    What are the ways that credit card companies earn income?
    What is the financial relationship the credit card companies have with retailers?
    How do credit card companies decide what interest rate to charge prospective customers?
    How is the minimum payment required calculated?

  • Margarite says:

    I’ve had direct tv for 2 years at least, and was paying $64 and some change. I haven’t payed the bill in 2 or 3 months (since cable was one of the bills i could do without while money was tight). And it got around to $138 and some change. So today i took a look at my bank account and saw that direct tv said “screw it we’re going to just take the money anyway” they charged a total of $237.35. I called to ask why they charged my account without my authorization. The guy said it was a final billing ($138) and the other charges were for the 2 boxes i did not return to them.

    Shouldn’t they at least have sent me the boxes to return the equipment before they charged me for it? Since i’ve called them about it, NOW they are going to send me the boxes and said that they will reimburse what they charged for the boxes. I called twice to make sure that they will reimburse me and they said yeah and to also be sure that my account is cancelled i don’t want any surprises of being charged for a cancellation fee or something. But they say it’s already cancelled, even though I didn’t cancel it, they did and took what fees they had to take.

    Do they really reimburse you after they get the boxes back? What about the dish? do i just leave it on the roof, will they be sneaky and try to charge me some kinda way for the dish? I’ve read all kinds of horror situations of people being charged so much money for all sorts of fees. I’m thinking as soon or IF they actually do reimburse me for charging me for these two receivers. I’m going to call up the bank and tell them i lost my CC or something so that i could get a new one and not have to deal with Direct Tv charging me for anything else. Because i can’t find where to cancel out my CC on direct tv’s website.

    Will it be Fed Ex or UPS that will bring me the empty boxes to pack the receivers in?

  • Mary says:

    I have two credit card that has a total of $19,000 debt with a crazy APR of 24%. I got an offer from another creadit card company that’s offering a personal loan up to 35K with an APR of %7.99. Should I go ahead and consolidate my two CC debt and get the low APR personal loan? Would getting another loan decrease my creditt score? Thanks.
    By the way, this is not an offer from a credit card consolidation co. It’s from Capital One offering a personal loan w 7.99APR for the life of the loan.

  • Odell says:

    I’ve done a little research and i’ve tried to completely understand, but some things arent clicking in, too much business jargon i don’t understand.
    But i’m a senior in high school and i am probably going to apply for a student credit card from Discovery.
    I understand the caution I have to take when applying for one and using them, and I know I will be.
    But I wanted to compare my calculations to someone else who knows credit cards well, to make sure i know how to calculate everything right.
    So in this card, I see it has a 14.99 apr.
    does this mean that it will only charge 14.99 % if i take a year to pay off what i borrowed?
    Also what is grace period?
    And once you’ve explained this can you just do an example for me?
    like let’s say i buy a 500 dollar guitar.
    how much would that be once i get my bill?
    how often do i get bills?
    so much to answer i know, but if you could help i would appreciate immensely.
    Here is the credit card info:

    Annual Percentage Rate (APR) For Purchases
    0.0% until the last day of the billing period ending during August 2009;* then the standard APR, 14.99% variable
    Other APRs
    Cash Advances: 23.99%
    Default Rate: Up to 30.99%*
    Variable Rate Information
    The standard purchase APR may vary monthly and equals the Prime Rate + 11.74%.†
    Grace Period for Repayment of the Balance of Purchases
    At least 25 days when you pay your balance in full each month
    Method of Computing the Balance for Purchases
    Average Daily Balance (including new purchases)
    Annual Fee
    Minimum Finance Charge
    Other Fees
    CASH ADVANCE TRANSACTION FEE: 3% for each cash advance, with a minimum of $5 and no maximum. LATE FEE: $19 on balances up to $250 and $39 on balances over $250. OVERLIMIT FEE: $15 on balances up to $500, and $39 on balances over $500.
    * If you are late making a payment or your account is overlimit twice, we may increase your APRs to a Default Rate. Your Default Rates are determined based on factors such as your current purchase APR, your payment history with us and your general credit history. See Cardmember Agreement for details.

    † The Prime Rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month.

    INTRODUCTORY/SPECIAL APR OFFERS: If you are late making a payment or your account is overlimit twice, any introductory/special rates will terminate and the Default Rate will apply.

    PAYMENT ALLOCATION: We apply payments to balances with low introductory/special APRs (such as special balance transfer and purchase APRs) prior to balances with standard APRs. Therefore, your savings will be reduced by making additional transactions or having balances with standard APRs. In addition, the length of time the introductory/special APRs will apply to your account may be reduced by the amount of your payments.

    APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to obtain a consumer report from consumer reporting agencies in considering this application and for review, renewal, change in credit limit, collection or other legitimate purposes associated with your Account. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to US residents 18 and older. To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, including a spouse, may apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculation of variable rates, are accurate as of December 2008 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. Please allow 30 days for us to process your application.

    Offer valid for new cardmembers only.

    CARDMEMBER AGREEMENT: You agree to be bound by the terms of the Cardmember Agreement, which will be sent with the card. You also agree that the Cardmember Agreement and the account are governed by Delaware and federal law. The terms and conditions of your account, including rates and fees, are subject to change.

    ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.

    OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporti

  • Lupe says:

    Well I’m thinking of getting a Credit Card from Best Buy (For the 18months to pay offer without interest) so I can buy a Canon 5DmrkII

    BUT I don’t know how credit cards work exactly (I’m not sure I’ll even get the card)
    If i own this card will I have to pay monthly JUST for owning it? like even before I use it?
    or just to pay it off (which won’t be a problem)

    and when I’m done with it (after I pay off the camera which in my estimation will be about 5-6 months) will I be charged just for having it or can I like deactivate it? or is there a time period I have to wait out?

  • Azalee says:

    ok-so I have 4 credit cards equaling about 7000.00 in debt and I am unable to keep up with my monthly payments. I am sick of getting phone calls all the time. I tried getting put on programs thru the credit card company’s already and 2 I did successfully but are done now and the other 2 was unable to. Ia m looking to go through but how does that effect my credit score> Am i considered bank rupt? Please help..

  • Dawn says:

    hi.. someone sent me this e-mail saying that they’ll give me a credit card with no credit check and no deposit.. this is their web.. is this true? is it safe?

    thank you!

  • Daniel says:

    I have several credit cards…not high balances though. I rec’d a blank check in the mail from one of my credit card companies offering 5.99% on balance transfers til the first billing cycle in Aug 08. I did some figuring and think it will work (this plan does include paying it off in Aug)….Transferring 4500.00 from three credit cards where I was paying a total of 90.00/m in finance charge alone! I’m thinking along the lines of making the bigger payments to one company instead of to several companies…..Any suggestions?
    There is a 3% fee or max of $75.00. That’s why I choose to write one check for $4500.00 instead of the three they sent. I don’t mind paying the $75.00 if I’m going to save a few hundred in the long run….they’re getting my money one way or another.

  • Corinna says:

    Hey everyone,
    Does anyone know specifically the criteria to aquire a Black Card? Please, I’m looking for a specific answer that you know is correct. I don’t want a speculated answer. I have done extensive research on the web and now I’m looking for answers that people know are 100% certain. Thanks!

  • Omer says:

    being that I just turned 18 I have been hearing alot that when u turn this age you start to get alot of mail from credit card companies, what would be the best one to go with?thanks GOD BLESS

  • Suzanne says:

    Best has the $20 gift card deal which i can use on CoD black ops
    or Gamestop gives you some extra armor thing what shoulf i choose

    Giftcard or Armor
    Help me decide i might go out i pre order this weekend

  • Adalberto says:

    SunTrust Bank has decided to make a number of changes, recently. Those changes benefit SunTrust, but not the customers. In my mind, ST needs to be less selfish–money centered. Most banks continue to issue pure ATM cards (without a bank card logo on them) for the purpose of withdrawing your own money from an ATM. SunTrust is stopping this most basic banking service. It is outrageous. PNC, TD, Wachovia, Wells Fargo, and many, many other banks still continue to issue ATM cards. SunTrust is now profitting from putting the Master Card logo on their cards. They are no longer pure ATM cards, they are check cards or debit cards. Check and debit cards are far more risky to have than are credit cards. Please see the outstanding article by PIRG on the dangers of Debit Cards. I have contacted SunTrust many, many times in the last few weeks to complain of their poor service to customers. I have gotten highly evasive responses. I am very disappointed, because I have banked with them for many decades. I plan to leave them and will urge others……Twitter and this site are very good educational spots.

  • Mi says:

    I live in an apartment with a roommate. On Wednesday she decided to steal my debit card
    and go to a CVS store and purchase $150.00 worth of merchandise with my debit card.

    I reported my card stolen to the police on Thursday when I noticed it was missing from
    my wallet. The officers retrieved the surveillance video of her in the CVS purchasing
    products with my debit card.

    The officer said that I had two choices, either settle the situation out of court and accept
    the $150.00 back from her or press charges for fraud and theft. I definitely want to press
    charges, her court date is October 27th, but she keeps offering me the money back and
    I keep declining.

    Will this affect what will happen in court on the 27th? Can a Judge order her to pay me
    $150 in restitution? Will the fact that I keep denying the $150.00 back from her make any
    difference? Also, Can I sue her for identity theft?

    Any answers would be appreciated, thank you in advance

  • Thanh says:

    Because I have really good computer skills and I am very creative and savvy, I decided to start designing flyers, brochures, business cards, invitation/greeting cards and newsletters for pretty much anything. Community yard sales, birthday invites, holiday greetings and even small companies. There is a community site in my neighbourhood where you can distribute your services, and a woman replied to my ad saying she’d like me to make a catalogue of her products with prices and short descriptions. It will be roughly 20 pages.

    I was wondering how much I should charge for making a catalogue of 20 pages? I don’t think I will be printing, so no charges for that. And I have enough experience to make it original and visually appealing (I am very ambitious and I can do wonders with this catalogue!).

  • Tyesha says:

    I decided to apply for Visa debit card but I need a card to be both signature based and pin based.Is it possible? If yes, How much percent I will be charged for signature based transaction? How much percent I will be charged for PIN based transaction?

  • Ronnie says:

    i got a discover credit card offer saying 0% APR until feb 2009.

    ive never gotten my own credit card before, what other info is vital in signing up for one?

  • Winona says:

    Cash is just much better in every practical way.

  • Daniela says:

    hi , i live in new york, and i’ve hear some stories, that after you would settle with a collection agency to pay 50% of your credit card debt, they either sue you or start harassing you again for the rest of the money. I also hear that having account “settled” on your credit report is extremely bad for you and stays there for long long time, so my question is, what steps should i take when i am trying to settle my debt for the lesser amount then the original debt to make sure they dont get a judgment for the rest of the money, or start calling me again, to get the rest of the money ?

  • Elbert says:

    The international banks I meant are HSBC, Standard Chartard etc… Which bank is available the most?

    By the way, any local bank in Netherlands is free for opening and closing an account?


  • Isaias says:

    What happens if I have a credit card and decide to never use it ?

    Would thier be any charges or credit rating drop ?

    or would It be like I dont own one and if I do decide to use it, it would be as fresh as when I first recieved it ?

  • Victor says:

    I work as a graphic Designer assistant and gets paid hourly by the company. I was asked by a co-worker to take portraits of his wife who is lunching her own hair business and design them on to flyer’s and business cards. Because they liked the pictures and the design so much, i might be asked to do more for the people who wants me to do the same. But they need to know how much i’ll charged. so i need to know what i should charge with out being under or over charged?

  • Mark says:

    I recently used my friends debit cards for gas charges without permission. I finally told her what I did and now her mother wants to press charges. I know I am very wrong for the actions I did. I’m in contact with her mother and awaiting her answers. She wants me to pay the amount due by the end of this week. The total is $360. If I cannot come up with that amount I will be arrested. What will be my punishments if used in the state of Alabama. I am 19 years of age
    Also My friends mother lives in WI, I’m in CO visiting family and she said I can get arrested here. Please let me know my penalties

  • Jay says:

    i have quite a few cards used and in mint condition. but Amazon charge 0.36p ,x
    So how mch should i charge for them

  • Laure says:

    hey everyone im interesting in learning how to read tarot cards for my self , i wanted to know what book is really good and that has every detail as upside down and upright what cards i should get.

  • Kurt says:

    I just received a credit card in the mail, but I have decided not to accept it. As long as I don’t activate the card, then I’m not involved in any form of contract with the credit company right? Meaning I don’t have to pay an annual fee or anything right? As if I never applied for the card right?

  • Sabrina says:

    How much do they cost? How much do they charge u to fill it up again…or do they? Where do i go fill it up?

  • Jarred says:

    Is the internet bank with password a scam?

  • Christen says:

    I’d like to get a cash-back credit card and am having trouble deciding which card to get. I’d prefer a Visa or Mastercard and have excellent credit. I’m considering the Citi CashReturns card or the Capital One No Hassle Cash Rewards card. The Capital One card seems to have better (higher %) benefits, but I’ve read reviews indicating their customer service is lacking. Customer service is nearly as important to me as the rewards. Also, I will be traveling abroad and need a card/company with a higher limit that won’t charge excessive fees (or deactivate the card) when used abroad. Anyone have any experience with either of these cards or companies? Any recommendations?

  • Corey says:

    hi i am thinking about getting a credit card but not sure how they work.

    if i bought a card with 0% new purchase for a set time, any purchases i buy during this period, does this mean that i do not pay the interest APR as stated on the websites?

    also say that i buy anything at any point, at what point do they charge interest? do they charge interest regardless or do they waiver the interest fee if you pay like the next day or something?
    just to let you know the purpose of the card is really for purchasing items online. i don’t really want to be using my main debit card online so looking for an alternative. i just want to avoid it costing me money, i.e. if i buy something online and then pay it off straight away, if there is interest charged then this is not an option. if not, then it is.

    hope this makes sense.

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