Has anyone ever be a object if a credit card scam?
Question:I had a company call PC one call me and present me a credit card for a $5,000 limit beside no interest ever. Like an idiot I agreed and they took $329 out of my savings portrayal. Should have particular it was to apt to be true. Well the company went out of business and 6 months next I still haven't seen a dime. How do I acquire my money back?Answers:
yes that's happen to me before..but beside a sams club credit card thing. also approaching an idiot i agree to fill out a form for one..and i've never see the credit card..and a couple months later i receive a point in the messages saying that i own a $10,000 sams club card in debt...come to find out..sams club give it to someone else and now i own my identy stolen..if i was you i would be extremely sensible..i don't have much recommend..i just finally have to hire a lawyer kuz it keep hold of getting out of hand. i hope you didn't afford them to much personal info.
how does credit cards work?
Question:Answers:
1. You go out and earnings for dinner with someone else's money, beside the understanding that you will settle up them back, near interest.
2. You continue to do this on a regular principle.
3. You continue to compensate for that taco dinner for the next 25 years.
Other Answers:
1. You fetch around a piece of plastic, pretending that it's your money.
2. Every place that accepts your plastic doesn't thinking whether it's your money or not.
3. You wind up paying off just somewhat bit every month to the real owner of that piece of plastic.
4. 10 or 20 years go by and when you need unadulterated money or you need to borrow like mad of money, the lender says "we're sorry, you owe too much money to the owners of your pieces of plastic" or "we're sorry, this piece of newspaper (your credit report) shows that you've been belatedly paying the owners of those pieces of plastic too many times."
5. You spend the rest of your duration trying to pay bad those pieces of plastic.
More seriously, if you get/use credit cards, do not carry balance on them for more than one month. Think of them as "short term loans" until your subsequent paycheck that must be paid past its sell-by date then.
Why when you try to carry free credit report on internet they want credit card #?
Question:Answers:
The actual way to legitimately gain your free credit reports from the 3 major credit reporting bureaus is to drop by the site below.
You should never have to tender your credit card info to get your free credit reports. The Law requires that respectively of the three major credit bureaus supply you beside at least one report respectively year at your request.
You do not have to pay cheque, you do not have to sign up for any credit watching scheme, and this website is designed specifically by the credit bureaus to comply with the tenet. It is probably the safest place to supply with your information. Other websites next to similar names try to draw from your information and sell it or they try to sign you up for things you dont necessitate. If you have further question please post them. YOU NEVER HAVE TO GIVE YOUR CREDIT CARD INFO.
Other Answers:
Verification.
To bill you for the free credit report! just appointment each credit bureu on the phone and ask them for the report, if they ask for a credit cardnumber ask them why.
uh,to see if it's your card and if adjectives the info matches up sensation
Because it's a scam. try going to the site below. This allows you a free report from all key agencies once a year.Source(s):
www.annualcreditreport.com/
Listen to Renee...if anyone wants your CC#, don't do it. I've done it, and they won't charge you a point. As long as you cancel your subscription inwardly so many days...they will explain it to you. They simply want the # for verification, but if you dont withdraw the subscription, they WILL charge you for it.
go to freecredit report .com that should assistance
Basically, because nothing is "free". Like those stupid surveys, that promise you something for "Free", after an hour later, when you're done, they want you to "sign" up for some dumb piece, which really comes down to giving your CC#twice. So dumb!!
when does debtfall past its sell-by date a credt repot?
Question:Answers:
after about seven years assuming you hold cleared your debt. However, if you are nearing the 7 year mark and it is all the same unpaid, it is in some cases in actuality better to not pay it and consent to it disappear, otherwise you pay rotten the debt but have to keep on another 7 years before it clears from your credit history statement. Nothing resembling waiting 6 years and paying something off and have another 7 years on your credit history saying it's salaried but paid instrument late.
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Once a debt is compensated, it will still appear on your credit report. It will show the full amount of the loan or whatever...how much you've rewarded off, etc.
If you've gone into ruin before, I believe it take a full 7 years before that will prevent you from getting approved credit again.
Best of everything!
7 years for consumer debt ... 10 for a forclosure. You may enjoy to contact the reporting agency to have them in reality remove the listing though
It can lone stay on for 7 years after that you can have it removed . Also if it have been 5 years or so you can bid the company you owe and ask them to settle if you want to . Say you owe $1000 you could say you will hand over them $500 and they will normally shift for it .
when it is paid ,inside a week usually after that
does cricket phone want a deposit?
Question:Answers:
I use cricket phone service http://www.mycricket.com/
When I began my service I believe in that was a "setup" levy, but no deposit. For a concrete answer, just bestow them a quick phone phone up.
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YES......YOU CANM............
Will one imperfection on my credit prevent me from getting a post as a hill bank clerk?
Question:How bad does my credit enjoy to be for them to not hire me? I had one dispute beside a company over a faulty computer that I did not foot off. They reported it as unpaid and sent for collection. I do not owe anything on my credit cards.Answers:
I enjoy never heard of someone doing a credit check for a charge interview. The only item that comes to mind is if they do a background check sometimes it will show any bounced checks that a personality has written.
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I'm 99% sure that your probability of getting a teller situation will not involve a credit check.
One mark should not prevent you from getting the assignment. I know other bank teller who have more afterwards that.
It depends. Hiring practices vary from company to company, but you shouldn't hold any problem. If it comes up (but don't you bring it up!), if you explain it just as you did here - you won't enjoy any problem.
Best of Luck - G
Not all financial institutions require pre-employment credit checks. "One mark" on your credit history will probably not prevent you from getting a position as a Teller. If you were applying for a position of a credit analysis or loan originator, later yes any infraction on your credit would possibly hender you from getting the job. For the mere certainty that you can not advise others on credit decision when you don't have a apt credit history.
As far as a Teller position goes, you shouldn't own any problems. Most financial institutions post their "career" information on their websites, and you can simply apply online. I know that Colonial Bank requires a pre-employment credit check for Tellers, but not all financial institutions do.
Source(s):
Regions Financial/Regions Bank TELLER I/ http://www.regions.com Click on "Careers"
what credit ranking is needed to buy a house?
Question:Answers:
You can buy a house with a credit evaluation of zero. What you must be asking is, what gain do you need to win a good loan rate.
I'd read out about 750, and you'll own to pay bad any car loans or credit card debt too.
Other Answers:
Higher the better. Talk to loan officer or your sandbank or credit union.
Depends on who you nouns through. Even people near bad or no credit can buy a house, through a environment contract.
although it is true that you can get loan for no credit, it is not a smart move at adjectives. Think 650 as a bare minimum for a plausible rate for buying a house. Around 680 you can get "ok" rate, and above 700, you will know how to get "good" to "great" rates. Higher the better, but if you don't enjoy a good credit rating, expect to take a high rate or dawdle for another year try to improve your credit rack up. The latter is a smarter choice usually.
How does payement through a credit card works?
Question:What if we give our signature and credit card number to a shopping site like ebay and the salesperson doesnt send the item to us? Will we lose money?Answers:
most credit card companies will not hold you liable for more than $50.00. You requirement to notify them immediately by phone and follow up within WRITING ASAP. They will chargeback the money to the vendor and require them to respond near proof of the charge and proof of delivery. In most cases you will not own a problem. Just stick to your guns and don't let them push you around.
Ebay also have some other protections built in and available to guarantee getting of item versus payment. Check it out.
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you might lose more than that you never want to tender your credit card number out like that i have a friend that did that and all her money contained by the bank surrounded by her name be stolin because of that.
how do credit cards work?
Question:how do you compute finance charges, apr, fees, etc.?Answers:
when within doubt, go to wikipedia.
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How they compute nouns charges is something philosophers will be debating for centuries!
I forgot what credit cards I own. Is in attendance a means of access to find out so I can go against them?
Question:Answers:
Your Phishing.
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You can get a credit report.
turn to freecreditreport.com and get a report.
return with a credit report through one of the main 3 bureaus- Im not exactly sure which three are the "real" ones, but I know that Equifax is one of the lawful ones
One of the best ways to find out and then terminate is go get hold of a credit report telling adjectives the purchases you've made with adjectives the credit cards you have. Then adjectives you have to do is step from there.
Go to annualcreditreport.com
I of late did it myself. They'll give you a inventory of all the cards you own open in a minute as well as feeble ones that you've closed out.
Why can collection agencys report a debt i.e. olden the time issue for my state(4 yrs surrounded by TX)?
Question:Answers:
Federal laws and regulations govern, not Texas: Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDPA), Fair and Accurate Credit Transactions Act (FACT Act).
When you articulate the limit for Texas is 4 years, I focus you mean the statute of decrease for bringing a collection suit to court -- not credit reporting.
Accounts generally remain on credit reports for at lowest 7 years. Collections, bankruptcies, chargeoffs, liens can be reported longer. As a consultant for bank and mortgage companies, I have see law suits and collections as far subsidise as the 1990's.
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Leighduh is right
Can I still use my expired MasterCard?
Question:My MasterCard is set to expire 07/06. If I don't receive my new card by July 1st, can I still use my expired card at any merchant that accept MC until I receive my new card?Answers:
When your card expires on July 31, you can no longer use it. You should gain a new one shortly (usually 30 days back card expires). If it doesn't come in your post 2 weeks before your card expires, appointment the company up.
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you can use it until 8/06. after that you can't. you should have received it already though. you should ring your credit card company to resend and find out for sure. someone might have your card
You should know how to use it till the August. After that it WILL not work anymore. I accidentally tried to use an expired card on the 1st of the month after it expired and it immediately be rejected.
no.
no, get a unknown one
no its expired..
No
um not unless thier is some glitch.
no, you cant! it's as simple as that. Any merchant who notices the expiry date will discard it, and they may even assist you by destroying the card. And that's presuming the card continues to work at all!
You should still know how to use it for another month. After that you will have to grasp a new one.
You will not be capable of use it effective 7-1-06. Call your credit card company to confirm they own mailed you a trial card, chances are it is surrounded by the mail.
Source(s):
Financial Institution hand for 16 years
no, i don't think you can. Why don't you call for the company then you'll know for sure
Absolutely not. If the credit card is self used at any retailer that has an electronic card reader, it is connected to any the retailer's headquarters or credit company and automatically checks to see if the card is expired, stolen, reported lost, etc. The only instrument it could be used is if the place you use it at uses one of those manual credit machines (that they slide and confer you a carbon copy). If you try it at a store or busines, it will 95% of the time come up denied, even if it's July 1st sometimes (depends on the card company). If you haven't gotten your new card nonetheless, call your credit card company ASAP to achieve one mailed out to you without beating about the bush.
yOU CAN USE THE CARD UNTIL THE END OF JULY.
You may in reality use this card past its expiration date. Some examples of things you may use it for include: a coaster, to pick dirt from your fingernails, to draw a small straight queue, as a bookmark, etc. Uses that resultin purchases will be DENIED. Do you understand what DENIED ability? No go....no track. You cannot use this card to purchase items. Good luck and let me know what other uses are out here for expired credit cards. DENIED
Usually, if the credit card company has down only the month and year, and not a morning, then the expiration date is the concluding day of the month. If you anticipate using the card within July, then contact the customer service department. There is usually an 800 number printed on the put money on of the card.
no
I am working surrounded by the Credit Dept of a ridge surrounded by Vietnam. Please instruct me how to write a credit report.?
Question:Answers:
Good luck.... If you're the one hired to do the job and dont know how to do it, how do you expect messy Yahoo people to know?
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Too open-ended to answer
I would contact the United States Chamber of Commerce ( http://www.uschamber.com ), and see if you can enlist their services. When my family circle was looking to start doing business overseas, we found a gold ingots mine of information and help through them.
What if nearby be no credit?
Question:Such as credit cards, home loans, car loans, institution loans, bank loans and etc...- We would be such a POOR country! Nearly adjectives ppl rely on credit for their survival.
Can you imagine ppl traveling by foot to work, namely, b/c at hand wouldn't be a loan to enable those to seize a vehicle?
I know, I know, there's always public transportation, but consequently this can also mean that in attendance wouldn't be suburbs -- maybe?? - who know?
Or how uneducated most of us would be, if in that weren't school loans?
It seem like the lone way we can finance as a country if there is sufficient amount of credit available to us - approaching school loans for example.
Answers:
Credit = opportunity individual if the borrower manages his/her finances properly. So you're correct to a point.
Credit can also be doomed to failure news, though. The number of bankruptcy in this country costs excise payers millions of dollars through higher prices, superior interest rates on loans, etc. That means we, as a country, lose opportunity because we are so laden beside debt!
Keep in mind, living inwardly your means creates non-monetary opportunity that would otherwise be unavailable if you be loaded with debt.
For example, if you own a huge student loan, you might be forced to take a profession you HATE because it is the only agency you can afford to pay subsidise your student loan.
Or, to afford your brand spankin' new Audi TT, you might hold to work a second job or longer hours. And that translates to not human being able to spend time beside you family and friends, or devote some relaxation time for yourself. It way you'll have to sacrifice standard of life.
So while credit can create opportunity and make us adjectives super smart with great cars, too much debt can also engender us overworked, overstressed, lonely, pathetic human beings.
Other Answers:
Don't forget to choose the best answer.
We are unadulterated people answering definite questions near real answers so please show your appreciation by choosing the best answer!
here are plenty of places that dont have credit or citizens are too poor to establish credit and they walk to work, college etc everyday. Things would be difficult for sure but not impossible.
then here is no life for mankind...juss kid...it would be very tough to live...i guess
Many muslims avoid adjectives forms of credit. They survive just fine. They only just have to recover longer.
There is always debit and checks and dosh
I make pretty apposite money, but I honestly believe that you should save your money AND THEN buy what you want. I reflect that shopping on credit cards and getting everyday things on charge accounts is ridiculous and leads to eventual financial trouble. I know, I've be there, LOL!
You ALSO SAVE money when you buy outright instead of using credit.
There are terrifically few things in a lifetime that require the use of credit. In reality, the only ones I can dream up of are cars, houses, and higher rearing.
Just my opinion. :)
does anyone know of any nonprofit organization that will facilitate receive rid of interest so we can reimburse our credit...
Question:we are looking for a free consolidator to help us bring the cheapest rate to pay rotten credit cards. Like get rid of interest and anything it takes not to ruin our credit?Answers:
Beware - once you draw from a credit consolidator involved, most lenders treat it the same as if you go bankrupt. If you are so far gone that you require the services of a consolidator consider file for bankruptcy, here's why.
You bring through bankruptcy and can fire up establishing credit again once the bankruptcy is discharged. Your report is clear 7 years after the discharge.
You move about to a consolidator and it takes 4 years to procure clean. Then you have need of to wait an added 7 years for your report to get verbs.
You can get verbs in just about 8 years by filing or dally 12 years and pay a consolidator a boat nouns in fees for the first four years.
It's not a pleasant outcome to have to trade name.
Other Answers:
Most credit counseling agencies will charge a fee for their services, because most inhabitants don't like to do something for zilch. But this one seems to be lawful - http://fordebt.org/
Good luck. It's hard getting out of debt.
Source(s):
http://fordebt.org/
I would other be careful something like these agencies. They can hlep if you find a good one, but it will dance on your credit that you have used it.
It might be apt to call the companies yourself and negotiate beside them. They will often come to help out you.
Source(s):
http://moremerchant.com has some great info on this stuff!