Online Transaction.?
Question:
how safe can an online transaction be?is here anything else i need to reimburse rather than the registration fees?and another issue is that i'm doing it from Singapore to United States.Will near any extra caution i entail to take for that?
Answer:
The safekeeping of an online transaction purely depends on the setup provided by the merchant.
Don't know about the "registration fees" mentioned within the question, as it may be peculiar to the website you are registering to, if it is a subscription clear sure if they charge you periodically for their services.
Anyway, as far as the security of your transaction is concerned spawn sure that the page where you input your credit card details is out of harm`s way, you can verify this by checking the status bar of your browser you should see a "lock" similar to icon or the address hotel, the URL would start with a https:// fairly than a normal http:// this routine that all the information sent from that page will be encrypted ensure the protection of your data.
In expressions of the security of your card details, technically a short time ago the long card number (usually 16 digits) and the expiry date should match alongwith sufficient funds within your account for a transaction to turn through, some merchants also ensure extra safety by asking the CVV (3 digit protection code on the back of the card or 4 digit surrounded by front for AMEX), or using 3D Secure like SecureCode or VerifiedbyVisa which requires the cardholder to set a password, or they simply adopt the transaction if the name/address of the card holder matched, the more they do the better it is.
Anyway, the long and short of it is, purely to ensure your safety produce sure that the page is secure using the guidelines given above.
Yes, and also, your card issuing guard would normally charge a small percentage of the amount for foreign currency transactions, you should check beside your bank around that.
Hope this helps
O.K thru which mound you are sending with, because if you are sending via Citi edge from singapore to Citi bank here within USA than it is free or else you own to pay the transaction duty that depends on how much you are sending, but it is safe.
What genus of transaction?
Credit card? Wire transfer? Exactly what are you doing and why?
Need more info. If you're worried give or take a few safety, after you're probably getting scammed by someone so don't do it.
Credit Card?
Question:
I have three credit cards, respectively having a credit factor around $15,000. One is a no interest til May 2007, my balance on this card is roughly 13,000. My other card have around 10,000. I just finished paying stale my third credit. My 3rd card is the longest existing credit card i have. Should I move about ahead and close it out, or keep it. Will it affect my credit rating, if I close it. Meaning, will my credit evaluation go up or down? I own a new post with a flawless salary, I should know how to cut my debt in partially this year alone. But, I guess what I really want to know is if closing a credit card with a 15,000 decrease have a refusal affect on my credit score? Thank you.
Answer:
a virtuous part of your gain is made up of your credit length, so if you close that card, that will affect it and will make your rack up go down greatly. another part of your evaluation is how much credit is available to how much you debt you have, so if you close it, it will look close to you have almost maxed out your available credit, and you you credit gain will go down even more, so simply don't do it.
Do not close the account...you want to save the history active and the longer the relationship is the better.
You can swot more at http://www.mycreditadvise.com
keep it interested
Never close a credit card account. You do not enjoy to use, but don't close it. It will indeed have a denial effect on your credit score.
yes, your c/s is effect by your use of available credit...if you close that card you will appear maxed out on your available credit..it will lower your C/S to close that card
i would suggest burning it though so you cant use it again
Keep it...if you close the account on the credit card you enjoy paid stale your credit score will step down! Yes, it will have a refusal effect if you close a long standing account. Freeze the card surrounded by a block of ice if you meditate your going to use it.
I HEARD THAT IF PEOPLE CLOSE THE ACCOUNT IN THE CREDIT CARD IS BAD BECAUSE IT AFFECTS YOUR CREDIT IT IS BETTER IF YOU CUT IT IN HALF, SO YOU WON'T USE BUT YOU STILL HAVE IT OPEN FOR FUTURE EMERGENCIES. YOU NEVER KNOW!!
If your goal is to obtain out of debt,then yoou should close it out to avoid the lure to charge more.
You can pay past its sell-by date the other 2 and close out 1 and pay past its sell-by date the remaining card but keep it alive by charging something once in awhile,but retribution off the harmonize every month.
Having good,but unused credit cards is as desperate as having maxed out credit cards.
Your credit gain is determined by several factors.
If possible,try to verbs your current baqlances to cards with lower interest rates than the cards you are using presently.
Fraud/ my own daughter used my s.s number!!to turn on her table lamp beside out my go-ahead what can we do?
Question:
where can i progress to find out if someone i know used my s,s number for turning on there lights surrounded by the passed?
Answer:
call the electric company, permit them know your SS# was used by someone bar you, if she has outstanding bills, and you find stuck paying for them that's fraud. She could be facing Jail time.
You need to move about and speak to the utility company in personality and explain the situation to themthen they can check for you.
give her a break, she's your daughterjust consult to her about it.
Call the electric company and ask them just about outstanding accounts connected to your s.s. # My father actually have this happen to him... The elec. company sent him a bill for a house within another town that he didnt even own! Barely knew the guy! Apparently this guy have gotten hold of his S.S. # somehow and used it to turn on his lights also.. So my advice is to hail as them. Might be a good opinion to get copies of your credit report also. Will donate you current and past due accounts within your name.. Good Luck and God Bless.
You can write your electric company and make clear to them you suspect something and just wondered if anyone have used your SS number on their account. They will provide you near the names. If they don't provide you beside the address you can ask for that as well. If it's merely a SS number then no money transaction have been involved and it will be up to you to press charges thru the electric company or notl, you hold a choice. Since she's a member of your relatives you could ask just that that SS number be delete from her account and that she supply her own SS number. A SS number is trouble-free to get.
Now if that be a credit card it would take greatly more work to solve.
Mobile home?
Question:
i paid my mobile home rotten last year. the will not convey the title what can i do.the loan is paid surrounded by full.
Answer:
Make a complaint to the state where you live.
Some lend institutions "purge" mobile home titles when loan is for home and land. Do you own the property as all right? If so, there may not be a separate title for mobile home.
Why is my credit card denied?
Question:
I'm trying to register my daughter an account and from what the information it asking it say it needs my credit card information for age purposes. I put within my credit card and it gets denied. If its for age purposes why be my card denied. Wouldn't it be easier just to ask for the adults birthdate? This path no one would be to concerned roughly speaking putting out that information. If you ask for credit card information for birtdate purposes people chew over they'll get charged for doing that. I don't conjecture you should ask for credit card information if all you inevitability is verification of the adults birthdate. I would resembling to sign my daughter up on yahoo but it seems similar to it more trouble than its worth to bother with it. Is in that another way I can sign my daughter up lacking using my credit card information?
Answer:
Generally, they ping your account to variety sure that the card is valid and the address matches what you give them. Think of it as a pre-authorization at a hotel, or when you buy gas. When you look at your online bank statement after visit a gas station, it generally shows a $1 pre-authorization ping, which is replaced by the actual amount of your purchase when it's processed next.
In the case of Yahoo, I would guess they're going to ping your card to authenticate the address. If it's being decline, that probably means that any a) your card is maxed out, overlimit, not valid for purchases or expired, so that even the $1 charge won't go through; or b) you own entered an address on Yahoo that doesn't correctly meeting the billing address of the credit card. This could be because you made a typo, moved and didn't change the address on the card, or you used a street address on Yahoo and the credit card bill comes to your PO box.
The short answer to your cross-question about why they requirement that kind of substantiation is that there are too several people out here using the internet to do evil things, and Yahoo can be held responsible if they don't take measures to track who is using their services. Yahoo offer many advisable services to the internet community at no charge, so the time it takes to provide valid credit card information to confirm your identity seem like a small article to ask.
LOL! You are over the limit. the card is no right til you pay it down.
The merely time you give out your credit card number is when you PAY for something. I don't really follow what you are trying to do but I would stop giving out your credit card number.
Karen M hit it right on the nose. At tiniest I am not the only creature that knows roughly speaking address verification.
You might also want to read just about C V V.
Sometimes you need to initiate your card for online and phone transactions. Especially if it is a debit card. My bank does require me to generate my card for transactions outside of the U.S.
Is A 23.90% APR too dignified for a credit card?
Question:
Young adult beside short credit history choosing a credit card to establish some form of credit.
Answer:
yes you can get cards beside Apr's a lot lower but scrutinize out credit cards can get you surrounded by big trouble
Well, it doesn't matter what the interest rate is as long as you reimburse it off respectively month. If you want the best piece of financial advice you will ever attain listen to this: Don't use this card to buy things you can't otherwise afford, just use it a few times a month for common things and pay it rotten IN FULL EVERY MONTH. In no time you will have credit card companies offering you 0% interest and 9.9% and so forth. But if you blow it near this card, you won't recover financially until you are contained by your late 30's. Once you own significant debt with 23% interest, you simply can't reimburse it off. And even when you bring the better cards the same piece still applies, a CC is not an avenue for buying things you can't otherwise afford, it's just a method to manage your money, but the opportunity exists to literally ruin your financial time if you don't stay smart with it. If you aren't comfortable writing a check for the alien tv you see and want, then you should be no more comfortable putting it on a credit card, you STILL can't afford it.
That is mode to high. Try Orchard Bank. The interest rate is 14.90 and the fees are average for a credit card. They give liberal credit keep a tight rein on increases if you handle your story properly. While marketed towards race with bad/damaged credit, this is a great card to build your credit next to.
You can get more info at http://www.creditcardindex.org/bad-credi...
a 23.90% credit card is too giant for a customer who has "A" tier...but not to elevated for somebody who is an "at risk" customer. It's all relative. I would suggest pulling your credit report at www.annualcreditreport.com and this will convey you if you have worthy credit or not relative to the rest of the United States.
Loan to payment stale debts?
Question:
Where did the idea of loans to take-home pay off debts come from.
How can a loan payment off a debt? You newly owe the money to someone else!
Also as these loans are often secured against property, they pose a genuine risk of you losing your house!
Why on earth don't folks with loans they cannot feel see organisations that sort out these problems with negotiate repayment plans like the citizens counsel bureau.
Answer:
You argue a strong point, one that I agree with totally. By using a personal loan, or worse, a home equity loan to clear of bills, you are essentially taking an unsecured debt and making it secure (with your most prized possession, your house). Failure to kind usecured payments (such as credit cards and personal loans) will merely result in hundreds of annoying phone call and letters, and at the worst garnish wages. Failure to pay a refinanced mortgage will expiration in ridge forclosure and homelessness. Not a very intelligent verdict. You are still paying same amout that you owe (usually more, due to a higher interest rate) and in a minute just owe someone else. The best bearing to deal near debt is to pay your bills prompt everytime. But if this is no longer an option, I would insist on seeking some sort of debt settlement company to negotiate the principle owed, instead of consumer credit counseling, which shows on your credit report as a third party agency intrusion in your finances, which is nearly as unpromising as bankruptcy.
A loan pays stale a debt because it's a promise that you'll pay the money backbone to whomever grants it to you and they promise to retribution back the merchants you become indebted to. There's a documentary that you can find online called "Money as Debt" that discussions about this sort of point. You learn within a macroeconomics class how the fractional reserve system works...
http://www.moneyasdebt.net/
http://www.paulgrignon.netfirms.com/cana... shows a 15-minute sample/clip.
http://rds.yahoo.com/_ylt=a0geu7ir4_nfuj... may or may not show the whole show. (I'm not sure... G00GLE doesn't work on my router.)
The trick is to try to KEEP unsecured debt (such as most credit cards) unsecured. Refinancing puts your house on the line and is mostly NOT a good impression. Those with poor credit are stuck surrounded by a position where a secured loan is the solitary kind they can win.
People need to cram to live within their money... but that's something that most societys frown on.
i agree
I think the below website help you.
Hello there, I am Mr chris peter.A legit loan lender.Are you into debts? Do you enjoy a bad credit?Are you financialy down.I dispense out loans at low interest rate of 3%.I give out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I dispense out long term loan for three to five years maximum next to your interest in this you can as all right tell me the amount you want so that I send to you the language and condition that is if you are realing interested surrounded by getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I dispense is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested letters for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we lug a loan and pay support after duration with the interest, if you are honest I will trust you because I similar to to do business with Honest inhabitants if you are one you will get the loan next to out problem and for your information if you should more loan like $10,000,000m I can offer only if you are one of these cartigories: Manager of a company A private Holder A broker within banks A director within any office or company A large investor of and compay If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME: PHONE:... COUNTRY:. LOAN AMOUNT NEEDED.sen... these info it is essential. Mind you loans is given to every part of the world solely if i see you to be honest and will pay vertebrae after duration. If you are interested you have to distribute the amount you need as loan so that i can make available you the terms and condition on the loan for your information loan are given to every constituent of the world on honest people so if you are honest apply for the loan presently at cpc_consultant@yahoo.com
what is the target of annual levy within lingo of credit?
Question:
Answer:
That the credit card charges you $XX per year to have the card. Usually billed on the anniversary of when you get the card each year.
An annual levy is what you pay for the privilege of have a credit card, and you get charged whether you use the card or not.
The first two answers are correct. What they gone out is, you should be able to capture a card with no annual allowance.
My sisters husband took credit cards out surrounded by my sisters pet name, and wracked up $40000 surrounded by making a bet debt!?
Question:
She had no perception the credit cards even existed until a lawyer representing one of the credit cards call her at work, demanding payment. Before the bridal, 28 months ago, the husband had no credit and my sisters credit be impeccable. She is getting a lawyer. Is in attendance any way out of her paying for this debt she have nothing to do near? Can she go hindmost and sue what will be her "ex" husband later for the portion of the $40000 she pays?
Answer:
the with the sole purpose way out is to folder a fraud charge claim on the credit cards. That is it. If she does not file in 60 days of the charges, she is claiming they are hers. Been there done that.
Other than that she is pretty much Fu(#*& However if you are married at the time he used her cards, NOPEhusband and wife are one and responsible for adjectives charges. If she was divorced yep she can profile fraud.
Pay nothing. Claim credit card fraud by ex-husband. She never signed the credit card application nor participate in any fraudulent credit card scam for laying a bet.
she should sue him but the damaged credit will stay until she have it repaired , i am a credit repair specialist and can help her do it on her own she doesnt own to hire one of these companies that will take her money achef22@yahoo.com
Look, she should settle out the debt for give or take a few 50 cents on the dollar to avoid legal remedies that the credit card companies are trying to invoke. If she is a homeowner, she could use equity from "their" home to reimburse these reduced amounts. Check out the free evaluation form at the source website, maybe they can back. Good luck.
She must claim credit card fraud and file charges against her husband.
My wife go through this a couple of years ago with her Son. The credit card company eventually cleared it adjectives up and it was removed from her credit.
Can't find mastercard one-off website can you backing?
Question:
Answer:
I'm not certain what you're referring to but would assume, given that the request for information was posed within the UK & Ireland, that you're referring to the "unique card", a prepaid MasterCard card issued by Broadcastle Bank.
The website can be found at http://www.theuniquecard.com/
If this is not the site you are looking for please clarify your press and I'll come back near a better answer for you.
http://www.mastercard.com/index.html...
am a trini,what do u dream up something like the prices of tickets to stir to trinidad.?
Question:
i was on the internet one week ago checking out tickets too trinidad,i go back on more or less two days ago and that was it took hit sky dignified,the tickets are going up by d hour.that is really unbelieveable.would u still purchase a ticket for 1,103.00?
Answer:
yeah if you brought them too close you the time that your going away kiddo.. i was on time off in keywest and i brought my tickets two months ahead of time.
Help me out guys: Credit ranking?
Question:
I have 2 credit cards (both of them from different country). I enjoy only one sketch and an ATM card from Bank of America. I ve paid one time-CASH to my coup¨¦ and I didnt take any credits from any sandbank!
I ve been living contained by US for 3 months now. Just because I dont enjoy enough history, I hold a bad gain! How is that possible? and What do i need to do to promote it?
Answer:
get some credit
unambiguous a few accounts, that are manageable for you, hold the payments up, and with surrounded by a year you should raise your credit.
Department stores, near are some credit card companies that you can send 150 to 500 to initiate a credit account, you only keep up beside the payments.
I know what I am going to say is not the mode people do it today, but permit me suggest that you keep yourself out of debt. To put it another method, don't go and attain those credit cards. And if you do only buy something that you can write a check for it. Therefore earnings it off every month.
Let me explain it a different style. If you buy a big screen TV for a $1,000 and clear it off within 5 years at credit card rate of 18% per year. Your payments will be $23.59 per month. In that 5 years you will pay $523 surrounded by interest. -- you bought a $1500 tv not a $1000 TV but only enjoy a $1000 TV.
Now suppose you put $23.59 per month in a Money Market depiction and earn only 5% (rather than settle up 18%). You can buy that TV in 3 years. Actually you could buy it within 2 years the way electronics are dropping contained by price. If you put that $23.59 per month aside for the same 5 years as it took to discharge it off if you bought it on credit, you would hold $1,700 -- a TV and a nice sound system to budge with it. Pay lolly -- pay credit cards bad. You will benefit.
Bell Canada reopened outmoded resolved dispute 3-4yrs then by have collection agency after me?
Question:
Lengthy title but that sums it up. Over two years we got a cell phone from Baha that did not do everything they claimed so we returned it inwardly the designated 24hrs only to be slapped near a $280 bill. Now I dont remember the details because we worked out issues with BC (we did not remuneration them anything) and now 3-4yrs latter I am getting calls again from the collection agency. Frankly, I meditate it was rude and unprofessional for BC to not call upon me first. I refuse to give the name them or deal beside this old resolved issue. They ring up me daily next to an automated service. I have amazing credit. Since consequently I have nought from BC other than my work cell that drops call like crazy even outside! BC and Baha have some serious customer service issues. They do not support you in any track. Any advice as to how to treaty with this?
Answer:
Here surrounded by the U.S., you tell the collection agency that you do not owe any money to the creditor they are representing and ask them for documentation to prove it.
BC would consequently have to come up beside the proof.
I don't know what procedures you have within Canada but I found this website for the Canadian Department of Consumer Affairs. Find out what your rights are and how to fight it.
Why is my credit win still 0?
Question:
I've had a credit card that *IS* reporting adjectives my account diversion (which is all positive) near a nice limit. Yes, I hold spent and paid on the side, so it does have monthly commotion.
I also share a bank justification with my fiancee.
I've have this card for 6 months and I know they are reporting my transactions because it is showing up on my credit report.
HOWEVER, I still don't have a credit rack up!! It's at 0, and I don't know why. Does anyone know why it would be like this?
I haven't moved or changed my label.. or ANYTHING that would effect it.
Answer:
score collection from 350 - 850. if you have no win then the trade have been approachable to short a period of time to mark you. Give it time it will. Also open 2 more lines and retribution as agreed and it will soar. Most of the things you mention have beyond doubt nothing to do near your credit score. If you are looking to buy a home for example you do not necessitate a score at adjectives. You will have to build alternative trade lines such as eclectic, cable, auto insurance etc to catch a manual underwrite done. The instruction book system gives you an automatic ranking of 619 and you can get a conforming loan on a home.
You probably own to carry a go together, i.e. not pay bad the entire balance on the depiction each month, within order to boost your credit rating. Credit card companies, who are in cahoots near the credit bureaus, call customers who settle off their balance each month "deadbeats," believe it or not.
It take a long time to build up credit. 6 months on one credit card isnt very long.
Order a free credit report from Equifax or Transunion. You are entitled to 1per year free. After you receive it, if it still does not show up ask them why?
Banking doesnt supply to credit-sorry. Things that add to credit are paying ontime, similar to a car or a house, or a credit card- it would rob a couple years to build credit on a credit card alone, you need to recompense it off, and next add more and take-home pay it off etc. Its better to foot alittle more then the miniium respectively month to build up credit history. Possibly even a celluar phone would add to credit. It take years to build up a credit history, it dont just take place overnight.
If you are paying off the full symmetry every month it will never register. Buy something...make the payments for a few months but, don't compensate it off to soon. You need to take some history going. Get a small personnal loan for an item, make the payments and wages it off in good time. Not one of those 0 interest retail comeons either. A tangible loan.
well you entail to try to get your own hill account your self...I hold never really checked my credit score so I wouldn't know how low or lofty it is but i have my own ridge account, own credit card, saloon payment, saloon insurance, cable, water, electricity bills, etc. somethings may require have to buy a car or something outstandingly expensive.
The fastest way to build credit is to buy a coup¨¦ or get a loan where on earth you have to create monthy payments. Charge cards are not enough. Hint: those furniture loans that proffer 0% interest or no payments for 2 years are not good credit builders. You enjoy to look at the quality of the lender as very well as the terms of the loan when trying to build your credit. It does clutch time - 6 months is not a long time. People spend years building their credit histories, that's why they are so important.
OK. Wachovia won't run my ATM (my bank) 'cause my card is bent a bit bit but Bank of America?
Question:
but I go partly a block and Bank of America takes it and charges me two dollars for transaction. What's up?
Answer:
The best entity to do would be to call your hill and tell them your ATM card is simply working at other banks' ATMs. Tell them you don't want to diactivate that one yet, but you want a up to date one sent out to you (it's probably free). Once you get the up to date one, it will be with directions to trigger it and deactivate your out-of-date one. This way, you can still use your out-of-date one in the meantime.
Your dune MAY require you to deactivate your aged one to have a modern one sent out, although it's unlikely. If this is the case, freshly plan ahead and get adequate cash to finishing you for about a week.
dance to Wachovia and get another one (for nearly $1.00)
Thats because Wachovia is full of promblems.Change banks.