I only tried it once and had a bad experience. Once the firm got my credit card number, they started sending me merchandise monthly that I did not order and charging me for it. I cancelled the card but it's still not settled.
Even though I sent their merchandise back to them, they still have not given me credit for it.|||It's best to shop from cites that are reliable ... check them out first. You do really have to pay attention to the "fine print" so to speak because many company's will get you that way. Especially those with products that you use frequently like beauty products, cleaning products, etc.
I've only had one problem and it was from a TV offer not the internet. I don't ever buy anything from TV offers now because most are automated and it's real easy to fall prey to multiple orders like what you described.
I do most of my shopping from the internet and so far (thank you Lord) I've never had a problem with using my credit card. I've had to return some merchandise because it wasn't right but that had nothing to do with the credit card.
You did the right thing ... notify your bank and credit card company and let them handle it.|||Purchasing things with your credit card offers protection that you can't get by paying with other methods. There is nothing to worry about because if you really didn't authorize a charge or purchase you can dispute the transaction with your bank and the funds will be credited back to your card. This has nothing to do with the vendor deciding to credit you back. VISA/MC/DISCOVER/AMEX all take on that responsibility. They guarantee the funds. That is why it's so hard to get a merchant account to be able to accept credit cards. Buying online is not any less safe than anything else. The vendor would have to PROVE that you willingly signed or authorized the transaction and if you didn't, then they can't prove that and you would get your money back fast. It's very simple. You need to keep track of your transactions so you know what you did.
Hope that helps.|||That's bad. Normally the online websites I deal with have an extra layer of security like Lloyds Bank's 'Click Safe' which requires and extra password. But since I have bought via them I have had no problem. There are other security systems employed by websites and I can't quite remember their names, I think one is something like 'Veritas' and that was fine. Ebay items from reputable sellers have been good too.|||I don't do that, I call by phone and they can put my Credit Card # in, they they will send me confirmation # right away, and through my email.
Email me and share me the merchant's name so I can watch.
I learn a lot from experienced working in CC, from reading, and not trusting people It only happens once.|||You'd best call the credit card company and inquire as to their policy about disputing charges.
Saturday, December 17, 2011
Which is the best credit card for a college student?
I am planning on getting a student credit card before i go to school in the fall and I cannon decide which would be the best for me. I have it narrowed down to 3 cards...
1. Citi mtvU Platinum Visa for College students
2. Citi Forward Student Card
3. Discover Student Card
Please help me decide|||I Totally denounce the anti-credit card for college kids. A checking account will not sufficiently boost credit. While budgeting is great, I recommend mint.com.
IF you are wise and use the card for only things like REAL needs, e.g. gas, food, etc., you can get a ticket on the capitalism bus early.
Some rules:
Low Rates, Rewards, NO ANNUAL FEE!
Pay IN FULL every month from your checking and/or savings account. The web makes it SO easy to manage money/pay bills.
Do not exceed 35-40% of available credit for more than one billing cycle preferably never.
If you can do that with one, then apply for three and NEVER EVER close them. That shows a lengthy credit history.
DO NOT fall for retail % discount gimmicks. EVERY time you aplly for a credit card, your FICO score goes down.|||When you're deciding between these three, you should look at the interest rates for each. Have you thought about getting a pre-paid card which isn't attached to your bank account (so that if you lose your card in the laundry room at the dorm, or at the Frat house, you don't have to worry about some student getting into your account?) Also, there aren't interest rates applied to them (sometimes different fees here and there, though).
For college, it's a good idea because you'll definitely have other expenses that you'll want to save your money for -- instead of wasting it on overdraft fees. For some good advice on managing finances, budgeting and building credit, check out this group of articles written for college students, mostly by college students who have gone through the process: http://www.unigo.com/articles/beyond_tui鈥?/a>
oh, and make sure the stores on campus accept your credit card... Your university might even have a deal with a specific or local bank that gives you an even better deal for buying things on campus.|||I have both #1 %26amp; #2. Why Settle for just one? If you have fairly new or non-existent credit history I would go with the mtvU since as a student card it is easier to get accepted to. They both have the exact same perks, 5 thank you points for books, movies, restaurants, etc.
I know you can get $100 in giftcards just for signing up for the Forward though through here: http://www.offers.com/citi/forward-r/ Which might make that one more appealing.
Pay your bill in full every month and you can ignore and interest amounts. Also Visa/MC are more accepted than Discover.|||All three of those cards are great. I work in the credit card industry, and the Forward and mtvU are the best among college students. Look at a site called findcollegecards, they give a lot of great reviews from the students themselves.|||The best is no card, install your budget in a checking account and learn to budget. The credit card allows you to overspend with nothing but your meager funds to make payments with thus lowering your monthly cash.|||I personally thing that Discover card is the best student card because it has low rates and they have no annual fees, check out www.fastcreditcardapprovals.com
1. Citi mtvU Platinum Visa for College students
2. Citi Forward Student Card
3. Discover Student Card
Please help me decide|||I Totally denounce the anti-credit card for college kids. A checking account will not sufficiently boost credit. While budgeting is great, I recommend mint.com.
IF you are wise and use the card for only things like REAL needs, e.g. gas, food, etc., you can get a ticket on the capitalism bus early.
Some rules:
Low Rates, Rewards, NO ANNUAL FEE!
Pay IN FULL every month from your checking and/or savings account. The web makes it SO easy to manage money/pay bills.
Do not exceed 35-40% of available credit for more than one billing cycle preferably never.
If you can do that with one, then apply for three and NEVER EVER close them. That shows a lengthy credit history.
DO NOT fall for retail % discount gimmicks. EVERY time you aplly for a credit card, your FICO score goes down.|||When you're deciding between these three, you should look at the interest rates for each. Have you thought about getting a pre-paid card which isn't attached to your bank account (so that if you lose your card in the laundry room at the dorm, or at the Frat house, you don't have to worry about some student getting into your account?) Also, there aren't interest rates applied to them (sometimes different fees here and there, though).
For college, it's a good idea because you'll definitely have other expenses that you'll want to save your money for -- instead of wasting it on overdraft fees. For some good advice on managing finances, budgeting and building credit, check out this group of articles written for college students, mostly by college students who have gone through the process: http://www.unigo.com/articles/beyond_tui鈥?/a>
oh, and make sure the stores on campus accept your credit card... Your university might even have a deal with a specific or local bank that gives you an even better deal for buying things on campus.|||I have both #1 %26amp; #2. Why Settle for just one? If you have fairly new or non-existent credit history I would go with the mtvU since as a student card it is easier to get accepted to. They both have the exact same perks, 5 thank you points for books, movies, restaurants, etc.
I know you can get $100 in giftcards just for signing up for the Forward though through here: http://www.offers.com/citi/forward-r/ Which might make that one more appealing.
Pay your bill in full every month and you can ignore and interest amounts. Also Visa/MC are more accepted than Discover.|||All three of those cards are great. I work in the credit card industry, and the Forward and mtvU are the best among college students. Look at a site called findcollegecards, they give a lot of great reviews from the students themselves.|||The best is no card, install your budget in a checking account and learn to budget. The credit card allows you to overspend with nothing but your meager funds to make payments with thus lowering your monthly cash.|||I personally thing that Discover card is the best student card because it has low rates and they have no annual fees, check out www.fastcreditcardapprovals.com
What should I look for when considering a credit card?
I'm currently a student in college, and I've been tossing around the idea of getting a credit card. I'm not that big of a spend so the card would only be used in emergencies or for a little extra vacation money. So my question is: given my situation what should I consider when looking at different credit cards?|||ok- from personal experience--
EVERYONE says they're not much of a spender, and would only use the card every once in a while.
I was like that too. ONE YEAR LATER, i started using the card when i went out to eat, and it started accumulating.
but if you want my advice,
visit americanexpress.com
they have a good introductory offer, and depending on your credit history, you might get lucky with a low APR after the intro period.
take a look into what charges are imposed--
such as transferring balances (if you get a second card later)
late fee, bounced checked or rejected payment fees.|||Low interest rate!! Read the small print though. many beginner cards will list a low introductory rate...then jack it up to outrageous amounts later on. Good luck!!|||Try this website, it will give you many options, look over carefully, and talk to your parents, or a adult friend, see what they think.
http://smartbalancetransfers.com/
Good luck.|||Low interest and no yearly fee. Just be very very careful, it is way to easy to get into debt or to have your card stolen!
EVERYONE says they're not much of a spender, and would only use the card every once in a while.
I was like that too. ONE YEAR LATER, i started using the card when i went out to eat, and it started accumulating.
but if you want my advice,
visit americanexpress.com
they have a good introductory offer, and depending on your credit history, you might get lucky with a low APR after the intro period.
take a look into what charges are imposed--
such as transferring balances (if you get a second card later)
late fee, bounced checked or rejected payment fees.|||Low interest rate!! Read the small print though. many beginner cards will list a low introductory rate...then jack it up to outrageous amounts later on. Good luck!!|||Try this website, it will give you many options, look over carefully, and talk to your parents, or a adult friend, see what they think.
http://smartbalancetransfers.com/
Good luck.|||Low interest and no yearly fee. Just be very very careful, it is way to easy to get into debt or to have your card stolen!
Is it possible to close out a credit card account and continue to make monthly payments versus full payoff?
I'm wanting to close out some maxed out credit cards, but can't afford to pay them off fully. Do credit card companies still give a monthly minimum payment once an account is closed, or is payment expected in full upon closing?|||If you are making payments why close them?
Closing them may reduce your credit worthiness.
If you are closing your oldest card, it could wipe out your "length of credit history", which is 15% of your fico.
Now, if the card changes the terms on you, then call them up and tell them you do not agree with the new terms. They will close the account and you continue to make your normal payments.
/|||Yes, it is possible, but there is no benefit to you in doing that.
Closing them may reduce your credit worthiness.
If you are closing your oldest card, it could wipe out your "length of credit history", which is 15% of your fico.
Now, if the card changes the terms on you, then call them up and tell them you do not agree with the new terms. They will close the account and you continue to make your normal payments.
/|||Yes, it is possible, but there is no benefit to you in doing that.
How does a prepaid credit card work?
I don't want a real credit card. I'm starting college in the fall and I just want something that will allow me to pay my deposits and fees online without me having to pay interest later.|||I have an account now card. Which is basically a debit card that you can put money on, without ever going over an amount.You have to direct deposit or add cash, but you also have to go to a bank to do this. The website that I got mine from is called: www.accountnow.com
You have to apply to get this card, which is easy. And it will arrive to your house in about 3-7 business days. I hope this information helps (:|||You give the credit card company money 300-500 $ and then you can use that amount.
Try not to go over or and pay your bills you should be fine|||prepaid you put the money on it before you use it and you can go over but there are fees|||As long as you a receipt, with the number on it. It's call a prepaid card!
You have to apply to get this card, which is easy. And it will arrive to your house in about 3-7 business days. I hope this information helps (:|||You give the credit card company money 300-500 $ and then you can use that amount.
Try not to go over or and pay your bills you should be fine|||prepaid you put the money on it before you use it and you can go over but there are fees|||As long as you a receipt, with the number on it. It's call a prepaid card!
How long can a company wait to charge your credit card for a delivered item?
I purchased an item that was needed to be ordered and delivered. When I purchased it, they requested a deposit, for which I gave them my credit card. They stated they would charge the remainder after delivery to the same card on the account. Seemed fair to me. It was purchased on August 11th, delivered on August 28th. The deposit has been charged, but the remainder has not. How long do they have before it is no longer chargeable?
|||I know that by law they have 30 days to issue you a credit. Ex: taking shoes back.
Wait 30 days. I bet the charge will show up.
If not charged after 90 days, I bet they have to forfeit that charge.
I charged a waterpark fee in August and it just showed up on my credit card. I think they have 90 to make the charge.|||We should all be so lucky. I've heard of bank errors in your favor, but not of a company forgetting to bill you on a credit card. I did some research and found that a bank can come after you for an indefinite period for an error it makes in your favor, because, under the law, it is considered 'lost and found' money and you are obligated to report it. I couldn't find anything in the maze of Google unrelated stuff about how long a company has to collect on a debt they forgot to collect. Everything I saw goes to the debtors rights in false billing/overbilling cases, nothing the other way.
I'm guessing they have up to a year, but it could be longer. They can bill you indefinitely if they're billing you and you're not paying, so they may be able to come back against you indefinitely for one they overlooked.|||This is a good question. I don't actually think there is a time limit as such. I'm not sure with like statute of limitations or something similar would apply here. If it concerns you, ring them and ask them why they haven't charged you for it. If not, and it doesn't particulartly bother you, perhaps just don't say anything. It may have been overlooked or been deleted from there end or something. You may get away with not paying any more for it. hehe. If it's their mistake, let it go. |||You can better try this to get some useful links. It will help you a lot as it helped me.
http://personal-loan-info.freehostia.com/
All the best...|||Hi, 45 days.
|||I know that by law they have 30 days to issue you a credit. Ex: taking shoes back.
Wait 30 days. I bet the charge will show up.
If not charged after 90 days, I bet they have to forfeit that charge.
I charged a waterpark fee in August and it just showed up on my credit card. I think they have 90 to make the charge.|||We should all be so lucky. I've heard of bank errors in your favor, but not of a company forgetting to bill you on a credit card. I did some research and found that a bank can come after you for an indefinite period for an error it makes in your favor, because, under the law, it is considered 'lost and found' money and you are obligated to report it. I couldn't find anything in the maze of Google unrelated stuff about how long a company has to collect on a debt they forgot to collect. Everything I saw goes to the debtors rights in false billing/overbilling cases, nothing the other way.
I'm guessing they have up to a year, but it could be longer. They can bill you indefinitely if they're billing you and you're not paying, so they may be able to come back against you indefinitely for one they overlooked.|||This is a good question. I don't actually think there is a time limit as such. I'm not sure with like statute of limitations or something similar would apply here. If it concerns you, ring them and ask them why they haven't charged you for it. If not, and it doesn't particulartly bother you, perhaps just don't say anything. It may have been overlooked or been deleted from there end or something. You may get away with not paying any more for it. hehe. If it's their mistake, let it go. |||You can better try this to get some useful links. It will help you a lot as it helped me.
http://personal-loan-info.freehostia.com/
All the best...|||Hi, 45 days.
What are the requirment of getting a credit card?
is there an age limit? does a person have to be a citizen of the United States ti get a credit card? can a parent give a credit card to their children to use?|||No, not necessarily. Some credit card companies do not like to give credit to those that are young with no credit history. So generally they prefer for a credit user to be 18 and employed. No you don't have to be a citizen as far as I know. I think you have to have proof of address and a social security number though. And yes a parent can let a child use their credit card but it depends on if a store will allow the child to use it without id. But a parent can make a child a authorized user, which means the child will be able to use the credit card legit.
Hope I helped!
Hope I helped!
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