Visa Credit Card
Innumerable time have we seen the legendary Sachin Tendulker endorsing the power of ‘Visa’ on the small screen. However, if you are still wondering what that rectangular card with a blue and yellow logo has to do with power, then you are at the right place.
What is a Credit Card?
A credit card is an instrument that helps you shop on credit. The credited amount can be paid off in easy installment later on in the stipulated time decided by the credit card company rules.
What happens is this – When you swipe your card the amount of the purchase is paid by your credit card company to the seller. This credited amount is later on paid by you either in the form of installments or balance pay offs. Your advantage in such an equation is that you get the merchandise without paying for it upfront and the credit card company’s advantage is that they charge interest and late fees on your balance.
What is Visa Card?
Visa is a brand that provides global financial services worldwide. It is a credit card brand that gives you easy and reliable payment options through its wide network of consumers, merchants, institutions and other businesses. A visa card is one of the most widely accepted and recognized credit its popularity and acceptability gives you convenience of shopping anywhere irrespective of the country you are in.
Visa Brands
The Visa family has a host of payment brands which are accepted worldwide. These include Visa, Visa Electron, PLUS and Interlink. You can opt for any of these cards provided you satisfy the terms and conditions and enjoy unsurpassed flexibility of payment. It gives you a range of personal small and large business financial solutions.
Visa Benefits
Opting for a Visa card will extend innumerable Credit Cards Benefits towards you. It comes with all the advantages you get when you join a global leader in any field. Apart from taking care of all your payments like bills and taxes etc, Visa also provides a host of other advantages. Due to its wide acceptance, a Visa card becomes the obvious choice for national and international travel. If your bank card is a Visa card, you can also do all your transactions online through the Visa website. By issuing separate cards for students, Visa has come out with smart spending and saving solutions much needed in student life.
Apart from this, being a seasoned company, Visa also provides with its own distinct security programs for better benefits.
Getting a Platinum Visa Credit Card undoubtedly gives you the freedom of convenient payment. A host of related benefits and services give you the confidence of spending with ease. No wonder, the Visa power is a well sought after power that makes your life simple!
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Help answer the question about visa credit card
how old do you have to be to get a Visa credit card in New York?Im 15 years old, i have a job that pays 200 dollars a week and my parents are okay with me getting a Visa. What is the minimum age to get a credit card.
March 6th, 2009 at 11:58 am
I don't think they can "convert" a store credit card into one of their Visa Credit Card offers. (2 different accounts).
Be careful with these store cards… they are expensive to maintain.
http://creditcardforum.com/store-issued-cards/728-macy-s-credit-card-warning.html
March 6th, 2009 at 1:09 pm
epassport is one good option, another one is Green Dot Visa which can be picked up at any CVS or Walgreens
March 6th, 2009 at 3:29 pm
You have a given line of credit on your card, generally about $500 to start.
When you make a purchase, you swipe or give your card to a cashier. This initiates an electronic call to the credit company [Visa] who will then approve or decline the transaction based on your available credit. If approved, you will usually be asked to sign a receipt stating that you will pay the transaction. This receipt is counted into the companies daily revenue and then deposited in the bank where it or an electronic copy of it is sent to the credit company [Visa], similar to how you get a check that you write back after it is cashed. This signature is kept on file in case you don't pay, as it is a legally binding contract.
Once Visa has the signature, they send the payment to the company that you made the charge at [the delay of some companies sending the receipt back to Visa is what causes some things to pend for a few days before posting to your account]. You are then billed on your next statement. If you pay the bill by the due date, you will not pay any interest. If you let a charge stay on your bill for over a month, you begin getting finance charges on it until you pay it. This means that you end up paying more for the object then it was originally worth.
If you continuously pay your bill on time, you will recieve raises to your credit line once or twice a year. If you do not pay your bill on time, you will be fined and have interest charges added to your account.
ADDED: I saw your update that said you get $1000 a month, and wanted to let you know that it does not work as a limit per month. $1000 is your limit overall, meaning if you go over 1000, you will not have ANY credit available until you pay your balance down, and you will continue to get Overbalance charges each month until you do so.
March 6th, 2009 at 12:47 pm
I found a Virtual credit card generator on a site for download here. Jus thought i might share the link with u guys
techupdate[dot]byteact[dot]com/hacktools.php
March 7th, 2009 at 3:39 am
The three-digit code on the back of the card, which can't be derived from the account number on the front, and isn't stored on the magnetic stripe (it's called a CVV2). It is a security measure to ensure that someone using the card over the internet actually has the card in front of them.
If you are getting an error saying that this security number is invalid, you either haven't entered the CVV2 number correctly or you have a bogus card.
March 7th, 2009 at 4:58 am
check these links, you might even find a better card but there's plenty of advice throughout if you have time to read:
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
good luck!
if it helps please remember me cheers
March 7th, 2009 at 12:07 pm
yes since it will require account number you might want to do this in person at the bank!!!
March 8th, 2009 at 11:10 pm
Yes you can.
Most Merchants require credit or debit cards to have address verification. Your bank may need to activate your card for internet/phone purchases. You may have tried to order from outside of your home country. Some banks require you to activate the card for international purchases even if ordering on the internet. If you placed a lot of orders you may be over your daily authorization limit. Some merchants charge you an authorization and a purchase which looks like two charges because the merchant does not know how to merge the transaction. The authorization is usually removed in about a week.
To correct some people above
In person US debit card with a Visa or MasterCard symbol can be used two ways at some merchants
Use the Credit button and you usually sign for the purchase.
Use the debit button and you enter your pin at the pos terminal
Online and by phone it can only be used as a Credit Card and you should never give anyone your pin number. All ways come out of your checking account with no delays using a debit card. My experience. You are also protected with debit card purchases. The key is notifying the bank fast.
March 9th, 2009 at 5:35 am
check out http://www.bankrate.com. You can compare Credit card companies and offers on there. Beware of annual fees, vs reward programs and interest rates.
March 9th, 2009 at 11:11 pm