ebay purchase and paypal reward?
Question:
I purchased an item on ebay on friday evening through paypal and i received confirmation to my email, on my paypal account it read TRANSACTION COMPLETE & PAYMENT STATUS complete. Another e-mail from the seller read:
- Your payment have been received for Item # 150068640448
and
- We will convey you another email when we ship the item.Thank you !
And i received the last e-mail that read:
Dear ****
We have chock-a-block your eBay UK Item # 150068640448 To: <My home address>
>>Our postal pickups are Monday-Friday at 2pm.<<
Please allow 3-5 working days after despatch (excluding Sat/Sun/Bank Hols
Now,does this really mean that the money have been deposited into their portrayal? because I have checked my sandbank account several times and no money have been taken out; this worries me since it's my first time doing this "ebay purchase and paypal payment" entity.
Can anyone give me detailed and informative reply PLEASE!
Answer:
Money surrounded by your paypal account does sometimes work differently to the money within your bank picture. If you have withdrawn money from your sandbank account into your paypal commentary then the money you spend from your paypal does not show surrounded by your bank.
If they own sent you that confirmation email and paypal say the money have been sent later there shouldnt be any problems at adjectives because they are sending the item which I would assume means they hold recieved payment.
If you are worried or want to check next to paypal here is paypals telephone help out number;
Monday to Friday: 6:00 a.m. GMT until 10:00 p.m. GMT
Saturday: 8:00 a.m. GMT until 10:00 p.m. GMT
Sunday: 9:00 a.m. GMT until 10:00 p.m. GMT
Call us on: 08707 307 191
There is also an email contact but they should be able to speak about you if the payment have cleared.
If you've payed through your current account it will steal about 3-5 working days to show. Don't verbs, the sytem works perfectly.
they enjoy recieved the money don't worry they will be despatching the item to you
suggest its been taken out but not shown up on peak yet
Sounds okay to me - conceivably you had money within your paypal account already ?? Sometimes it take a few days to show in your wall account xxx
I hope you own better luck that me, They took my money twice and I still never got my stock and that 3months ago, Paypal refuse to acknowledge my emails and phone call, and ebay say that because the item be less that lb15 within value it falls outside their protection,
I enjoy had to right it stale and will never use Paypal again
Here is the possible answer. If you have used a credit card through PayPal you could hail as that card's customer service number and the transaction should be stated there. If you used a checking explanation, banks do not run updates during the weekends so you may not see the transaction on your guard statement until Monday evening.
If it was a credit card purchase, the money be transferred over to his PayPal account.
Good luck!
If the human being is going to ship the goods it probably way that they've received the payment. Sometimes at hand is a delay between the transaction completing and it showing on your ebay story as being completed. It will probably thieve a day or two to show on your wall account too. Don't verbs about it, check your paypal and ebay accounts next today and if it is still not showing then drop them an email and ask them if it's gone through.
It is not an automatic verbs.. it will take between 3-5 days to depart your account.. but don't verbs it will be debited. It's indistinguishable when someone pays you money for something you have sold on Ebay. It go to your paypal accont and you withdraw it to your hill account but still don;t obtain the money for up to 7 days!
You're fine. They received your payment, past the money was taken from your details. It will take your mound 3-5 days to catch up. You'll see it taken from your portrayal in a few days, don't verbs.
It takes awhile for it to be taken out of your sketch,and you
may also find you will get your purchase since the money
is taken from your account,happen to me lots.
So don't worry it sorts it self out.
I use paypal and e-bay regular, it will lift a few transaction to become familar with processes. I would also support you to make sure your firewall and anti-virus software is upto date as this will offer you more peace of mind also. Only trade through e-bay also as sometimes people will e-mail you and ask to do the transaction out of e-bay (to salvage on charges from e-bay). I would only do small transaction near regards money (say smaller number than lb20) until familar with wot you are doing, I enjoy had some great bargain on ebay and saved loads of money ENJOY and well brought-up hunting
Have you deposited any money with paypal. PayPal is one of the most popular online money verbs systems widely used for online auctions, pay to surf programs, e-books and purchase of low appeal goods. It is in a minute a part of the online auction website eBay. More details available at
http://www.money-transfer.in/paypalindia...
A Credit Card With Unlimited Authorized Users??
Question:
Does anyone know any credit card companies that offer unlimited authorized users for additiona credit cards?
Answer:
Almost adjectives creditors offer unlimited users, but these are mostly reserved for large corporations. While the like of AMEX and others may issue several thousand cards to say varied government organization for travel, the cards require dual responsibility for repayment.
The 'employee' is held responsible for payment, but if he fail, then the GVT pays up.
Technically, these 'employee' situations are not true 'authorized users'.
the single people who might know the answer to this are the inhabitants doing all the identity embezzlement stuff
There are no such companies as risk involved is too high
What does it close-fisted if a card have a "broken up minimum nouns charge" of $1.00?
Question:
Thanks.
Answer:
it means if you hold any account harmonize at all they'll charge you at lowest $1 for interest. in other words, they aren't going to subtract the interest on $ .34
If you have a $0.00 harmonize you're ok though. no charges.
They're charging you fees for no reason.
It process that if your balance be $250 and interest rate 10% APR, you would pay $25/12 for that month.
If your harmonize was $100 and interest rate of 10% APR, you would earnings $1.00 instead of the $10/12 you would otherwise pay (which would be smaller amount than $1.00).
Hope that helps.
Merry Christmas!
This manner that whether you use your card or not and whether you have a set off on it, you will be charged $1 every month.
Enjoy!
i think it process the minimum finance charge for a cert on length
will be no lower than $1.00 for that period when they charge you for the nouns charge.this minimum charge is for when you have a low match for the period,the more you charge on the card will lift the minimum finance charge for the time of year .
if you took out a cash finance or have stability that carries over, the minimum amount they will charge you is $1.00 (if interest charges be less).
Periodic in jargon of credit cards means respectively billing cycle. The card has a minimum nouns of $1 charge each billing cycle. Basically what you own to do is get rid of that card if your credit is honourable.
If you have a 0 match on your card and it is still open, your credit card company will charge you $1 a month within finance charges.
It's a be for company's to get money from you any way they can. It's messed up, but sometimes it's better on your credit if you confer on your cards open for a while previously closing them.
on a hill statment what is a over the counter cheack?
Question:
Answer:
The term you use is slightly incorrect. It's a 'counter check'.
A counter check is a blank check which bank keep on foot when a customer doesn't bring a pre-printed check with them, but aspiration to withdraw change.
It's usually a plain white check without an information number or name engraved. The bank personage fills surrounded by your account # on the bottom.
If you write a check at the guard to withdraw dosh, using a blank check form supplied by the bank instead of one out of your checkbook.
probably any a handwritten check you wrote or a check that the company electronically cashed it and handed the check itself wager on to you then you wrote negated on it.
When you go to the edge and want to take out money, you can use one of their checks to reduce by money from your account. If your wall statement states that you have an over-the-counter check that withdraw money from your account and you didn't do it, contact the mound right away. When a store takes your check and automatically deduct money from your account using your routing number and give you your check back, I don't focus that is considered an over-the-counter check. That's a direct reduce by, I believe.
I enjoy clutch a loan 0f 210,000$ for 10 years at 11% interest rate, I want to obtain NPV?
Question:
What discount rate should I use
Answer:
Find out how your bank or loan company calculate the interest first before you can even plug this into your calculator, formula, or spreadsheet- semi-monthly, compounded, simple, etc...?
I wont do the answer for you, but here's a allusion: do it in Excel.
My husband took credit cards out within my entitle and run up debt.?
Question:
In october 2000 a building collapsed on me and I sustained a brain injury and multiple physical injuries. I was confined to bed for almost 2 years, aside from the several doctors appointments I had to be in motion to. My husband was appointed payee for my SSDI checks by Social Security. In 2005, when I get my credit report I learned my husband have run up credit card debt in my describe only of $80,000. He rerfinanced my house which I owned earlier marriage for $100,000, it would own been salaried off contained by 2008, but now it have a 30 year loan. He refinanced our house for $500,000 in my term only. When I discovered this I threatened to report for fraud if he didn't acquire the credit card debts paid and the $500,000 loan out of my first name and in his given name only. He did by refinancing the house within his name and paying rotten the credit cards. I am going through a divorce and I don't know if I'll be responsible to pay stale the loan on my house. I have no perception what he did with the money. Can anyone tender me some advice. Thanks!
Answer:
First, did YOU provide him power of attorney?
You can exit all the debt he acquire in your given name by signing an affidavit of forgery, if YOU did NOT grant him the power to borrow.
He go to jail. But up to that time we pack his bags, he must own borrowing capacity, so I'd suggest you permit your attorney know. If you send him to penal complex, he'll lose his job. Then you could lose the house and anything else.
This clearly needs attorney input.
What a bastard! Divorce him - this is so so wrong. it betrays you completely. You stipulation to talk this through, I don`t know with a 3rd body, if you truly want to save your relationship. Recomment counselling for him if he cant control himself. perfect luck : )
You need to gain yourself a good advocate to handle this mess. I only wanted to enunciate good luck.
Get your heading off adjectives the loans now. If both your name are on them make sure your attorney get your name removed from them asap.
Uh, yeah, this is something that you want to discuss with your attorney... Good luck!
bring a fantastic lawyer and divorce him...also return with your lawyer to fix this mess. my mother did this to me and racked up almost 50,000 and next they came after me for it. it's in a minute two years later and my credit still is not fund to the perfect picture it once be and it's a pain contained by the butt to explain to the banks what happen.
how could he refinance in his describe only? you would own had to sign something giving up your house, approaching a quit deed.. if you did that it is immediately HIS house! and he is responsible for the loan..
I would contact an attorney, NOW.. and also have him arrested for identity pilfering and fraud. Him signing using your name is private... He needs to sit contained by jail for awhile!
Even though your X be the payee for your checks, unless he had power of attorney, after legally he should hold not be able to use the cards, or refinance the house...
Did you quash the credit cards? Cause even if u are paying on the card, you can cancel it, so you can't charge anything more on it, so the symmetry will not go any highly developed..
If I where you,I would sort sure that in your divorce papers, it CLEARLY states, that he will foot off the rest of the bills that he have accruded during the marriage. Even though he promised that he would compensate for them now, he could settle on later that he wouldnt payment for it anymore,and it would only nose-dive back on your credit..
worthy luck, and I hope that you feel better!
What happen after your entering of credit card number within the F.A.S.T service to claaaim the prize...?
Question:
Will the prize be immediately sent to the card or are in attendance still hindrances?
Answer:
what happens is that you enjoy just lost money on a credit card debit
I didn't give attention to anyone was that stupid
If you own to enter your credit card information just to claim a prize, it's a scam and you simply gave them the information they call for to rip you off . . . sorry.
Sounds similar to a scam to me..
================
I would call this give somebody the third degree stupid...but...
I just hear a new report on the Nigerian scam. You know, the ones where some dude within Nigeria is related to some high establishment official who just now died? This person somehow manage to accumulate $25 million dollars, and the relative desires a way to win it out of the country. If you help, they will dispense you $5 Million for your troubles?
Obvious scam. But the news report said they caught a couple congressmen, doctors, lawyer, and some very intelligent general public! One lost over $300k!
Greed does amazing things to people. And immediately these lottery scams!
Just ask yourself? You never enter the lottery. And if you did, why on earth would you call for to pay someone to gain your prize?
lock ur credit card immediately. Even i've be scammed by freelotto. My friend was charged $51 and i 28.95$ when i give it.
mortgage brokers hold be pulling my credit minus my authorization who do I report them to?
Question:
In all the cases that they pulled my credit report is when I specifically decline to authorize a new verbs. I would fax them my most current report with a contigency that I will authorize a contemporary pull lone if I was delighted with their loan prequalification. this wasn't done and however they proceeded .
Answer:
You can put a "hold" or "freeze" on your report with the bureau but that will also slow down your applications for credit because you will own to authorize a release for them first.
Also, a hold won't stop delinquent account collections/creditors and businesses that you already do business next to or have credit beside.
Always Opt-Out of sharing info with "business partners" on privacy releases.
When they verbs your credit, it is marked as "marketing" and it will NOT effect your credit chalk up. Applying for an auto loan with 5 different companies will though.
=======================
Despite what most general public are told, there is immensely little information verification needed for a business to catch your credit report. The amount of information they recieve varies depending on what they provide during the verbs. None should pull your credit report minus your authorization, but if they indicate during the pull that it is for pre approval screening and request the report next to the least amount of information, you may not know how to stop them. Pull a copy of your credit report from Equifax and look at the inquiries. You should be able to identify what type of report be pulled from there. If you consistency that they have acted contained by an unfair or unfair manor, you may want to consult a lawyer and see if here are any legal ramification.
Creditors and mortgage brokers need your written authorization to pull your report. Many of these mortgage brokers are start up companies and backfire within a year or two.
Report the pulls to the credit bureaus, and they will stop the pulls. Then, dance to a lawyer, and push further, if you preference.
Creditors are allowed to pull your credit report for "tolerable purposes". The minute you contact them for a loan, you gave them that rationale. At best they could pull one report, but never more.
You entail to send them a certified notification, return receipt relating them they do not have a acceptable purpose and you are no longer doing business with them. Inform them that if they verbs it again they are in infringement of the Fair Credit Reporting Act and they could be sued for $1000.
If they pull another report on you, pretend you of late won the lottery. It's a simple small claims lawsuit and you will win, as long as you have that proof of mail them a letter first.
call on www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enter Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a support, online database available to hundreds of civil and criminal law enforcement agencies within the U.S. and abroad.
How to call off my enrollment ??
Question:
I am now paying for the Yahoo Photos service.
I dont entail this anymore.
How can I cancel this service so my credit card will not be auto discount by Six Apart LTd ?
Answer:
Trye here:
How can I contact customer care beside an issue I’m having next to my account or the service?
If you’re unsatisfied, we want to hear in the region of it!
So if you have question, complaints, or feedback about Yahoo! Photos, please contact us by completing this customer consideration form. We ask that you please provide as much information as possible to assist us in troubleshooting your issue.
If the issue is specific to an writ (prints, gifts, or the shopping cart), we ask that you please send an email to (yahoo-photos@certifiedcustome... to contact our prints and gifts customer comfort team inwardly 30 days of placing your order.
In your email we ask that you include as much information as possible so that the prints and gifts squad can investigate the issue and make the appropriate reprint or settlement decision. Please include the following information:
The direct number from your confirmation email
The issue or reason for the return
The request for a reprint or return
http://help.yahoo.com/l/us/yahoo/photos/...
In Consumer Loans, what is the difference between a 90% Share Loan & Signature Loan?
Question:
I'm new to this together loan thing. My husband and I are up to our ears within debt. We don't own a home. We are on our local Credit Union's site and trying to figure out what quality of loan we will be able to achieve. Under Consumer Loans there are 2 types. A Share Loan which the APR ranges from 12.25%-18%, and a 90% Share Loan which have a rate of 3.25%. What is the difference, I am so confused. 12.25%-18% doesn't really seem approaching it would save us THAT much money. Thanks!
Answer:
The 90% share loan is guaranteed by money you hold on deposit with the credit league. You must have 90% of the loan amount on deposit beside the credit union. Since the loan is insured by the money on deposit (which you won't be allowed to withdraw) it's a risk-free loan so you achieve the ultra low rate.
How do I fix my credit?
Question:
is there someone I can hire to do it for me- I know here are 3 different companies involved with credit-is within someone who would get a total of everything owed and put it contained by one bill.
Answer:
In order to build up credit and establish a virtuous credit, you must show a number of stabilizing attributes. Most above all, your report must prove to the lender that he will get his money backbone. Here are some suggestions:
OPEN A BANK ACCOUNT
Open a bank narrative and use it responsibly. This is the first step in establishing a financial history.
CO-SIGN
One road is to piggy-back onto someone who already has a apt credit history established and is willing to co-sign. Once the co-signing have occurred, you simply craft payments on or before the due date. In time you will own established a credit history.
SECURED CREDIT CARD
Apply for a credit card. Shop around and only apply for a card if you can group the lender's requirements. Responsible use (spending within your budget and paying your bill on time) will lend a hand you build a good credit history.
DEPARTMENT AND GASOLINE CREDIT CARDS
Since gasoline credit cards are not revolving (cannot fetch a balance forward month-to-month), regularly they are easier to obtain than regular credit cards. Similarly, some department stores bestow revolving credit for a specific purchase and this is sometimes easier to establish. It is also a great way to establish credit.
This website can be really useful for you:
http://www.howtoestablishgoodcredit.com/...
Yes here is. You can do what they call debt consolidation. They thieve everything and add it up to one monthly salary.
I use CDS. They are very kind.
http://www.counselfordebtsolutions.org...
Really, the only road to fix credit is get payments hindmost on track and time. There are no magic fixes.
The following cooperation is an article on how to rebuild your credit after liquidation, how to consolidate your debts etc...
get your credit report at www.annualcreditreport.com if there's impossible stuff or wrong stuff just dispute it. the credit bureaus (each of them) must be contacted next to the dispute and they will "verify" the validity. they own a set amt of time to verify the facts and report back otherwise the decree says they must delete it. I expect the credit fix places just dispute the discouraging stuff if it's true or not to get it bad your credit.
I have placed this contained by the source box. There is a wealth of information in attendance and a great free debt management software program. I bookmarked the site as I return to it regularly for the advice it offer. I hope this helps you.
The Credit Repair System consists of methods that provide nouns to various debtors. It consists of number of steps that abet you get over your debt, while reestablishing your financial situation. If you own bad credit, you may be aware of the denigrating looks given by the inhabitants, making it embarrassing for you. But the truth is everybody experiences doomed to failure times, but few are able to overcome the problems faster than the others. Many populace, including rich have applied for collapse. So remember you are not unique. Use the steps outlined below to receive out of your financial mess.
how long after collapse can creditors verbs to report "included contained by bankruptcy"?
Question:
In March 2006 the bankruptcy be discharged but creditors named contained by the bankruptcy still wallet new reports that influence "included in bankruptcy" These trial reportings are showing up on the "derogatory statements" section of the credit report. it seem that these hurt my credit - can the creditors report this nearly a year later? Seems close to its just "sour grapes" on their part of the pack and I can't imagine that the imperative would allow this - if you know or have a right place to find out the specifics on this particular issue would be willing.
PS - My atty's office is closed today or I would enjoy tired him first. But I would like to start writting to the credit agencies today if at hand is something that I can and should be doing
Thanks! :-)
Answer:
The bankruptcy will appear on your credit report for 7 to 10 years. If after 10 years it is still showing, you can after dispute it.
My belief is that if these debts were discharged and not reaffirmed, after your attorney need to profile a notice to the reporting agencies..Even though its the directive..they still play games..I'm curious about this..Good sound out
You don't understand. The liquidation will continue to be reported for seven years from the date of discharge. If it took 5 years to discharge the expenses, your credit is still rocked for another 7 years.
Save your money, put it to work within little ways. If you know someone that have a house and they are inclined to sell it to you and run back the mortgage, buy it. The money you are paying contained by rent will pay for the property. If you enjoy a car giving, get rid of it and grasp a car that does not hold payments. Get auto insurance that is undeveloped only. You inevitability to put as much money as possible to work for you.
Everyone that want you to buy anything because you deserve it is a liar. That includes your wife, husband, mother and father. YOU deserve to live a go free of WORRY. Going into debt is not anything that you deserve. Although you want your children to enjoy things, that $150 dollar toy will stop them from getting a college education. You chew over you will not be able to afford a college tuition for your children, YOU ARE WRONG.
If you start today to make the decision that put your money to work instead of consuming it, you will be able to do more than most population are able to do. You enjoy already done the bankruptcy, immediately you need to cram to build a life that you should of be taught from the begining. If you enjoy a house, pay down the mortgage, avoid credit cards. Keep merely one credit card even if it is the type that you send contained by $500.00 and get a splash for $500.00 of credit. Do not use this card unless there is an emergency. If you own a job where on earth the work expenses are reimbursed, you can use the card. MAKE SURE THAT YOU PAY THE BALANCE IN FULL EACH MONTH.
Having credit balances is not biddable for your credit rating. Having lines of credit is good especially if you are not using them.
Your collapse will show up on your credit report until March 2016, as a public record.
The accounts artificial would typically show for 7 years from the date of last entertainment. (you paying them) on each information.
If your old charge-offs or discharged accounts are reading as "included surrounded by bankruptcy", that's ok and accurate, as long as there is no past-due harmonize remaining. Some banks won't nought it, but include it in BK, and it's worse that route.
That is totally valid and within the imperative. A Bankrupty will stay on your record for 10 years. Other derogitory items will stay on your report for 7 years from later activity, such as a sum.
What you need to do is fashion sure that all your accounts are included contained by the bankrupty. There are cases especially when it has gone to several collection agencies that even though you included it within the BK the report will still show a balance and self past due. This is in truth worse than having it covered within the BK because it not only shows you owe money but you are past due which is not the case anymore. In this armour you need to dispute it near the Credit Reporting Agency letting them know it was included.
Bankruptcy does not verbs up, or even clear up your credit: it destroys it.
These creditors can report that for 7 years since you did not pay the loans stale, they were charged past its sell-by date as bad debt. It does not "hurt" your credit, for one and only you can hurt your credit.
7 years
Debating on taking an issue to Small Claims Court?
Question:
I had a vehicle that I be trying to sell but completed up with the choice of someone taking over the payments. Since I have done this this human being has constantly be late on the payments which very soon has effectively ruined my credit. I hold emailed & called this party, only to receive a reply by the assistant.
An agreement was signed between myself & the other creature using their business name, stating that the payments be made on the 1st of every month. The most recent incident is when the fee wasn't made for 3 months. It is now mired but enough is satisfactory. It has be 2 years now of have to deal near this. The vehicle has be wrecked twice that I know of & I really don't want it back. Knowing it will not be within the condition it was within when they got it.
My cross-examine is that since the agreement was made using the businesses autograph, do I have any recourse through small claims court to be in motion ahead and get this compensated off? Or will I own to suffer until the loan is satisfied?
Answer:
Yes, you will lately need to label the Business as the defendant instead of the individual.
One thing you will enjoy to do is figure out the actual damages to your credit, if any. Did you earnings the loan each month even though he did not discharge you. If so then your credit really be not damaged.
Is in attendance anything in the contract he signed that said you could ask for full reimbursement? You may be able to sue for the amount due so you can retribution off the loan.
Really if he is a business he should know how to get a loan within his or his companies name to earnings you off. If he can't after he probably has unpromising credit other places and would explain why he paid you unpunctually.
Also, most small claims courts have a constrict so you won't be able to sue for more than that amount. This vary by state but I beleive it is around 5,000 in most states.
what is the best card for unpromising credit?
Question:
I currently have a credit card next to household bank but i am not too jolly with it.
Answer:
I would right to be heard any card that is secured and states that they report to a credit agency monthly. There are several card out near that will do this. Also if you can get a small loan for a 2 year residence and then remuneration the loan on time for a year and after a year fully clear it off that will back as well.
Granted adjectives of this is pointless if you don't pay on the dot. Also it look so much better if you always income over the minimum.
You can apply for Bad Credit Credit Card.
http://bad-credit-credit-card.blogspot.c...
Try Capitol One.
try visa
check this site: http://www.badcreditresources.com... . This site This site is dedicated to you! Here you will find lenders who specialize contained by approving bad credit loan and credit card request.
Maybe you can try below website
Bad credit is one of the worst problems to enjoy... however there exists a solution.
I will hereby homily from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would repay to some minor details,
if someone wants to return with out of debt today it is pretty easy beside a debt consolidation plan, however it may get a bit tricky at times, I suggest you get hold of as much information as possible online on this first,
a good place to start contained by my humble opinion is astraight to the point ebook beside question and answer I found :
http://debtconsolidation5.atspace.com/de...
if it help kindly remember me surrounded by your voting!.. cheers!
Can you buy endowment cards or "prepaid" credit cards beside A charge card?
Question:
I have an American Express charge card and i stipulation ALOT of gift cards for the holidays.Can I buy them? Which ones? The ONLY one that said I could be victoria secret.And is here any chance of them freezing my charge card if i do so? (AMEX is particular to freeze accounts for stupid reasons)
Answer:
yes . walmart .. and other department stores
Yes, anyone that takes American Express. And the with the sole purpose way they would probably "freeze" your card is if it be stolen, or you went over your "day by day spending limit".
What about American Express? They vend AMEX gift cards. I get one last christmas from my work for $100. It have an expiration date on it for June. I got Sirius satelite raido and a bunch of trimmings for a little extra-it be great!
You can also call a department store approaching Macy's or Robinson's or something like that. They may work differently than specialty stores resembling VS's. Department stores also have lots of different shopping option, so you would be able to draw from most of them in one place. They own men's, women's, jr's, babies. cosmetics, electronics...its got something for everyone. Good luck!
yes, the foremost department and discount stores. Macy's, bloomingdales, kohls, target.
I just go over to GiftCertificates.com. They sell a unbroken bunch of gift certs and endowment cards from many merchants. I used a credit card, not AMEX, and they should be coming within the mail within a week or so.