Comments on: Credit Card Services And Why We Need Those Little Cards

By: ajj2125

ajj2125 — Sat, 25 Apr 2009 16:12:48 +0000

They should never ask you to show ID when using a debit card. Your PIN# is your ID!

By: manishkumar3414

manishkumar3414 — Sat, 25 Apr 2009 02:10:01 +0000

Yes, but only on sites that are well known and trustworthy such as Amazon.com, 1800petmeds.com, etc.

By: Jim

Jim — Fri, 24 Apr 2009 21:03:25 +0000

Your creditors will only help you if you are behind. They will not settle on current accounts.

CCCS is not as bad as filing for BK. They can negotiate reduced interest and payments. They will require you to stop using all credit and to cut up your cards. Your credit report will be updated to "enrolled in debt management." This does not damage your credit, but it may make it difficult to obtain new credit while you are enrolled in their program….so don't use this service if you anticipate applying for a new apartment, car loan or mortgage anytime soon, as you would might be denied while you're enrolled in the CCCS debt management program…

By: EpicRacer

EpicRacer — Thu, 23 Apr 2009 21:27:19 +0000

if you do not have any kind of credit history there is no way you will get a card with a low interest rate unless you are a student and apply for a student credit card other wise you will be looking at credit cards with higher interest rates and annual fees but this happens with your first card but you once you have stablish a little bit of credit you could apply for a better one. check out http://www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates, fees and rewards.

http://fastcreditcardapprovals.com/

By: Fran

Fran — Thu, 23 Apr 2009 04:40:14 +0000

I am a letter carrier with the USPS for going on 30 years who has had a PO box for more than 20, and can tell you that regarding PO boxes from the USPS, you do not know what you are talking about. Businesses open and close PO boxes that are used strictly for commerce all the time. An individual can use their box for personal or business use. I do. I receive my personal mail as well as all mail for my eBay business, and no one at the PO has ever asked me for anything other than the info I signed up for it with in 1987, which was my name, street address and phone number.

There is a local band with a large following that has a member of it living in my zip code. That person happens to be the business manager for the group and receives all of the mail addressed to the group at his personal residence, but if he were to open up a PO box to handle this mail, he'd have no problem at all.

I don't know what kind of problems you've had with private outfits, or their policies, but the PO is no problem at all. Just go there and tell them that you want to open a box with you as the owner, representing your business, the band, and make sure the clerk understands that mail addressed to you or the band is to go there. They won't care if you're making money from it, that's the whole idea of business, and the PO isn't in business to turn business away. Just so you don't run into problems getting everything, make sure that any advertising you do instructs fans to send mail for individual band members IN CARE OF the band, or the clerks may not recognize the name and 'kill' the piece, ie, send it back.

By: twentyrosepetals

twentyrosepetals — Wed, 22 Apr 2009 14:14:14 +0000

I do survey.com…and they add money to my pay pal account….that is the only reason I use them….

I hope this helps you…Happy Holidays

By: detagirl

detagirl — Wed, 22 Apr 2009 12:52:28 +0000

This is Amazing.

By: njtocalifornia

njtocalifornia — Wed, 22 Apr 2009 10:48:46 +0000

if you gave thim the cc number. i would say if you read the fine print that is what it was for. if your dad called chase and disputed the charge you may get drug back in to court or jailed for non payment

By: lanaii_the_wolf

lanaii_the_wolf — Wed, 22 Apr 2009 04:53:54 +0000

You can find a complete list of balance transfer credit cards here:

http://www.asapcreditcard.com/0-apr.html

Unfortunately, it will be almost impossible to find a 0% APR offer without a 'balance transfer fee'. Since so many people were taking advantage of these deals and constantly switching offers– the credit card companies have take action to prevent the losses associated with these cards.

Your best bet is to find offers with LIMITS or CAPS on the 'balance transfer fee'. For example, Chase and Discover both charge a 3% balance transfer fee– but it's limited to $75.

Hope this helps. GOOD LUCK!

By: To G

To G — Wed, 22 Apr 2009 04:39:56 +0000

I went through somewhat the same ordeal. Ask him the name of the company that he works for, and if they have not sent you any letters ask him then to do so, so you can varify the amount owed. The company can take you to small claims court, but if they have no intention to do so then this is a severe violation of the FDCPA. Feel free to email me for any other questions.