Does Citi bank's credit card is the only one has virtual account?
Answers: If you are talking about the virtual account # that they provide for buying stuff over the internet so you don't have to give out your actual account number, no. Almost every credit card does that now. You just sign in through the credit card company's website and request a virtual, or secured, account number.
Can I return with a debt card thats not from a mound, a card that someone else near a credit card puts money on it ?
Like a gift card but I could use it anywhere, I reflect on its paypal, is there others that I could cart to the mall or grocery shopping or use it for gas or beer?Answers: They put on the market prepaid Visa cards.. I think you can buy them at your ridge or the store. You can use them anywhere until the money runs out. Best Wishes!
Greendot card is your solution. It is a reloadable prepaid card that can be used like a debit card. You can check your go together online and reload it any time. The card cost about $5.95 but you can use it until it expires, which is going on for 3 years. You can purchase the actual card at a store near you surrounded by the gift card fragment and reload it with lolly or credit card. I added a link for you on source.
If thats not what you are looking for try probing for "prepaid reloadable visa giftcard" on G00GLE and there should be abundant more options
You could enjoy them purchase your a prepaid card at the gas station, grocery store or your local bank. Some of these are reloadable, some are not. If it is it would hold to be done in character, I believe.
If that would not be convenient you can sign up for Paypal and there is a route to get a business debit card through them. Then enjoy whoever is giving you money send it directly near Paypal. Paypal takes a percentage.
The third substitute with probably the tiniest amount in fees and the most convenient would be for both of you to sign up for Obopay. www.obopay.com. You can convey money directly from your cell phone. So you both sign up and they can send you money beside it. I'd give my contact to refer you but you don't need it. They're also doing a promotion to where on earth they give you money to sign up and to refer. Not considerable but it's $10 free.
Yea, I know, sounds like I work for obopay, but I don't. If you review thier fees(like .10 per transfer) compared beside Paypal's percentage. They're less expensive. Downsides: It take about 2 weeks to seize your card and another few days and a call to customer service to acquire it activated. Customer service hours suck.
Does using a consumer credit counseling service to repay your debt effect your credit in a negative way?
Answers: They mark your credit report like if you where in Bankrupts, so yes. Now there are debt counselors that don't use the same approach. However you pay a little more due to the fact that they don't negotiate the CC companies just help you pay off you debt.
Anytime YOU change the terms of the original agreement you will get some type of a ding against your credit. But it is better to get help from a counsler and work out a deal, than to just default on the loan or credit, it won't look as bad.