Robert Weber asked:




Looking for a 0% balance transfer credit card that does not charge a balance transfer fee? Chances are, you’ve had some trouble finding one. Over the past year, the number of credit cards offering no fee balance transfers has decreased dramatically. Additionally, the maximum fees have risen on many cards from $50 to $75. Fortunately, there are still a few credit card companies that offer no fee balance transfers. The trick is to find the right offer and to read the fine print.

The standard fee for balance transfers is 3%, with a maximum fee of between $50 to $75. Now, if you are transferring a large balance, let’s say $5,000 the maximum fee of $75 amounts about 1.5% of the balance transferred. However, if you are transferring $5000 from three different cards, you will be charged 3% from each card. Thus, if you transfer balances from two credit cards with $1500 balances and one with a $1000 balance, your fees will amount to $120, or 2.4%.

Now, even with balance transfer fees, transferring $5000 to a 0% credit card from a credit card with a 15% interest rate will still save you over $600 over the course of 1 year. However, doing so with a no fee balance transfer credit card will save you about $750, or enough to buy a very nice dinner with a bottle of wine.

Clearly, moving balances from high interest credit cards to 0% credit cards is a great money saver. However, it is worthwhile to seek out a 0% credit card that offers no fee balance transfers, as the savings can add up quickly, especially when consolidating balances from multiple cards.

Now the hard part. Since credit card companies that offer 0% balance transfers aren’t making money on interest, they look to get it from fees. Consequently, many companies bury the details of their balance transfer offers in the fine print. After looking over credit card offers from every major issuer, I was only able to find one company that currently offers no fee balance transfers. And the offer was buried very deep in the fine print. However, if you look hard, no fee balance transfer offers can be found.

Zachary

Ndawula M asked:


I dont have a credit card but i want to make online transactions that require credit cards.?
I dont have a credit card but i want to make online transactions that require credit cards. I have the cash with me and i can acess facilities like western union and money gram. Is there any way i can get a credit card safely? Or How can i Make the transactions.
Thanks

Arnold

Jack M Patterson asked:




Prepaid debit cards have advantages over credit cards, as well as some limitations. Both kinds of “plastic” let you make purchases safely and conveniently without having to carry cash. Both are widely accepted by stores, restaurants, and other bricks-and-mortar and online merchants. The main difference between the two is that spending using a credit card is a form borrowing while with a debit card you are spending your own cash that you have already deposited to your card’s account. Thus you have “prepaid” for your purchase.

What Debit Cards Can Do that Credit Cards Can’t

Debit cards let you deposit your money into an account and spend it as you see fit. In contrast, you can’t deposit money on a credit card; you can only use credit that you then have to pay back. Even a “secured credit card”-for instance where you have to put $500 down as collateral to cover your charges-does not allow you to add your own money and withdraw it interest free. Rather, your deposit is only securing your line of credit and is not accessible to you until you close the credit card. Your line of credit could be increased beyond your initial collateral deposit as you develop a good payment history.

You have many ways to add money to a prepaid card, such as using a money transfer agent or purchasing a Greendot MoneyPak at a broad swath of participating retailers nationwide. You can even set up a direct deposit to your debit card for all or part of your payroll or benefits payments.

Debit cards can curb your impulse spending. The reason for this is simple psychology. It’s your money, and you can only make purchases on the card if you have enough funds in your card account to cover your purchases. Unlike writing a check which might bounce, you can’t get overdrawn. And unlike paying with a credit card that only limits your spending, based on the spending limit of the card, you can’t borrow money that you don’t have. You don’t have to worry about going further into debt and having to make monthly installment payments to pay back the charges. Odds are you will think twice about every purchase and will be more mindful of your budget.

Some debit cards let you check your purchase history and balance online, by calling a customer service number, by using an ATM machine, or even using text messaging on your mobile phone. In today’s economy, more and more people are finding it harder to get a credit card. But it is easy to get a prepaid debit card with a Visa or MasterCard logo on it. All you have to do is pass an identity check which helps prevent fraud. An identity check basically establishes your name, birth date, and address matches your official identity usually matched against your social security number. With a debit card, you’ll have the flexibility of a credit card yet peace of mind that you will not be going into debt.

What Debit Cards Can Do that Checks Can’t

If a retailer does not accept personal checks, it likely will accept a debit card as a form of payment for products or services. Just ask or look for a sign that reads that MasterCard or Visa cards are accepted. While debit card purchases technically run on a different network than credit cards, these networks are still run by MasterCard or Visa. If you write a check and don’t have enough funds in your bank account to cover the amount of the check, you can get overdrawn. This can mean hefty overdraft fees for every bounced check, sometimes as much as $30 per check. A check card (a debit card that is tied to your checking account) can still put you at overdraft risk depending on the bank. Most reloadable prepaid cards, however, will not allow you to become overdrawn and thus can’t hit you with an overdraft fee.

Writing checks, or even using a check card, does not help you build credit. That is also the case with prepaid cards, unless they are tied to credit building program like the iAdvance(R) Line of Credit from MetaBank. This program lets you take out small loans on your card, for example $20, and every time you pay them back that fact gets reported to one or more of the major credit bureaus.

Debit Card Limitations

Credit card consumers generally speaking have more leverage against merchants than debit card consumers in disputes over charges, given current Federal regulations. MasterCard offers a zero liability coverage for unauthorized use of a Prepaid MasterCard, which do not apply for PIN transactions (which is why it is important to protect your PIN number).

Perhaps one of the biggest limitations is the consequences of not reporting a lost or stolen card to the bank issuing your card within 48 hours. The level of protection differs from state to state. If the lost card is never found, or the cardholder reports the theft within 48 hours, the FDIC-backed funds will remain safe, and can be moved to a new account when the original account is closed. But a cardholder who fails to report the lost or stolen card in a timely fashion could wave goodbye to his or her money that was once on the card but spent by the thief. The amount of liability will depend upon the policies of the bank issuing the card as well as the state laws governing any such limits.

Wesley

Omar Vega asked:




There are some websites you would like to purchase merchandise but you don’t trust the website yet with your credit card information. A solution is in place, Get a Prepaid Credit Card! These plastic wonders help you protect your real credit card information giving you better peace of mind when doing this kind of purchases

Advantages of Prepaid Credit Cards

These Credit Cards provide a reliable way to purchase from somebody you don’t trust yet, since you can control their balance. If you are purchasing a $20 item you can get a prepaid credit card around that price. Also with these Prepaid Credit Cards you don’t pay any interest, saving you lots of money in the long run. Also you can send these out to your kids in college to control their spending. And since its so easy to refill them it makes sending them money a breeze.

Where I can use a prepaid credit card?

You can use a prepaid credit card in every place that you can use a regular credit card. Online purchases, Grocery Stores, gas and convenience stores, department stores, etc. And if You get a pin number with your Prepaid Credit Card you can even get money from a ATM.

These card are normally safer to use than regular Credit Cards because their balance is their maximum expending limit, no overdraft, no having somebody steal it to spend countless amount of money, and no kids expending more than their allowed amouth. Get a little more peace of mind today and get a prepaid credit card for all your online purchases.

Tyler

vicky.cochrane.uk@googlemail.com asked:


Say the words “credit card” to most people and they’ll shudder briefly before launching into their own tale of woe including steep interest rates and never ending bill payments. It’s a sad fact that many people don’t fare well with credit cards, mainly due to poor planning with repayments. Credit cards themselves are actually incredibly useful money accounts, where banks lend you cash you don’t actually have on the promise that you’ll pay them back.

Naturally, until you add in the interest rates banks ask for on repayments, this can cause the bills to just leap and jump upwards until a considerable debt has collected.

This is a popular view of credits cards shared by many – but it’s not necessarily correct. The fact is that credit cards can be enormously useful when you need to make large purchases without currently having the means to do so. And, providing you’re aware of the costs – if any – when it comes to paying amounts back, there’s no reason why you shouldn’t benefit from the help of such accounts.

Credit cards come in all forms. You can get ones that offer you no interest for periods of as long as 14 months, cards with lower interest rates than others or even types catering to students that offer weeks of interest-free repayment periods on purchases before an interest rate kicks in.

It’s only when you start becoming less organised that you can start to fall behind on credit card repayments and get bitten by the interest bug, though with careful planning this can be avoided. Examine the terms on your credit card and plan how much would be reasonable for you to pay back and how frequently. If you cannot do so within reason then it might be time for you to review whether you really need to make a large purchase or not.

In any case, by shopping around, you’ll discover that every bank has different credit card accounts offering differing and competitive accounts. In fact, many now offer the chance to obtain a credit card online that could also save you time and money with lower rates, easier access and manageability, as well as the convenience of not having to visit a branch or make any phone calls.

Credit cards can be hugely useful, especially when making a large purchase. Just make sure you plan carefully and you could find out just how convenient these accounts are. You will have all heard the horror stories from various people, but that needn’t be what happens to you. After finding the right card to suit your purposes and lifestyle, paying back any balances owed could be easier than you think with some consideration.



MARTIN

shannon s asked:


I have basketball, football baseball cards to sell they’re pretty good ones too but I don’t have a credit card or don’t know anybody who does.. But I would like to sell them..

STEVE

Nick Makaryk asked:


Credit card offers come in the mail everyday. They all claim that you are pre approved to receive a credit card. All you have to do is call the number to apply. The problem is that once you have called, you spend weeks, sometimes months to receive notification that you have been approved or denied. This has led to the development of online credit card applications. When you apply online, you receive an answer within minutes instead of waiting long periods of time just to find that you have been denied.

A person who has good credit should have no problems obtaining a credit card online. Often you will find that credit cards online have better rates than other card companies. It is important that you know what your credit score is before you apply and using the Internet to find it is very fast and easy. Many sites offer free credit reports for consumers.

It is recommended that you check your credit report at least twice a year to catch any discrepancies.

When you are denied a credit card, it will show on your credit report. This can further damage your credit rating. It is important that you fix any problems that do not look favorable on your credit report. This may not be as simple as it sounds, however it is very important that you take care of it as soon as possible to avoid any further damage to your credit rating.

When you know what your credit score is, you can go online and apply for the appropriate credit card. It takes minutes to get an answer.

All credit card applications will ask for personal information. This includes your name, address, telephone number, social security number, age and income and employer. Failing to provide any of this information will result in a denial of the credit card.

It is important that you understand all of the terms of service before you apply for your credit card. Once you have signed the contract it is legally binding. You cannot claim that you did not understand.

The TOS will be listed on the site that you choose. If it is not, choose another site. The most important aspect is to know what the APR is for the card that you are applying for.

It is important that you research the site that you are applying to. You will be giving your personal information online, and you want to make sure that it is a secure site.

An encryption of anything less than SSL 128 bit is leaving yourself open for identity theft. This encryption level is the standard and is considered to be hacker proof.Thereby ensuring that your information is safe and secure.

When you have finished filling out the application, double check it to make sure there are no errors. Once you send it, you will have your answer within minutes. Most companies will notify you on screen; however, some will send an answer in the mail. If your application is denied, than you will receive notification and the reason why.

When your application is approved, you will receive your card within a few days. It is sent through the mail and available to use upon activation.

It is now easier than ever to apply for a credit card. When you use online methods, your answer is just a mouse click away. It is no longer necessary to wait weeks to get an answer to your credit card application.



NUMBERS

William Black asked:


Credit cards are getting popular these days as you can use it anywhere and at anytime. You don’t need to carry cash with you if you have credit card in your pocket. Credit card is a compact part of your cash.

The rise of the internet has made it possible to shop credit card online. It is an easiest and convenient way to apply for credit card with a simple click of mouse.

You will find number of reputed lenders and financial companies right at your fingertips while searching online. Due to stiff competition in the market their interest rates may vary so it is suggested to search carefully and go for best deal that fulfills your requirements.

The credit card websites divide the cards in to different categories. All you need to do is click on a certain type you are interested in, such as 0% APR or cash back, and a number of option will appear. You can then scroll through the list to look at them and can choose the best among them.

Many websites will keep you updated with interest rates and various policies of the credit cards offered by the online lenders.

With so many e-shops, online credit card usage is becoming even more popular. Now, one can easily purchase goods of their requirements while just sitting at home as possibility of receiving credit cards payments has given a new dimension to shopping. Online credit card payment- acceptance ability allows you to receive goods at your doorstep.

If you have credit card in your pocket you can use it to pay off your various bills instantly like for shopping, car repair etc. But one should be very careful about its repayment as you should only use it to a limit which can be easily repaid. The non-repayment may indulge you in the stressful situation of debts.



CARROLL

Jiawen L asked:


Could I just send to the company cash in mail?
Or is there a faster way?
I wanna buy yugioh cards online but I don’t have a credit card

DINO

Jeff Moynihan asked:


With the advent of the Internet, the way we run our businesses has changed dramatically. It has made the world spin faster and no one wants to wait for anything anymore than few seconds to few minutes. Waiting for 300 seconds too long and it is frustrating. The credit industry tries to exploit this growing weakness of the society to market its products. They try to attract customers through instant online cards and online credit card approval schemes.

How does the online credit card approval system work?

Once you fill your application online for your choice of credit card your credit details will be verified by the system; if you have your credit history anywhere between good and excellent then you are certain to get your card application approved and you will be notified of your status through email. In case of poor credit, your application will be declined and this too will be notified of the status of the application.

Is it safe to apply online?

You have to be careful while you apply for any cards; stories on online card scams never cease. Try to identify reputable credit card companies before you apply for your card. If you suspect that the application is requesting unnecessary information then be warned and try to check on other online application forms to see whether they request similar information. Secondly, be cautious of the terms and conditions; double check everything before you submit the details. Many online card approval schemes demand security deposits. The range of security deposits vary from $200 to $600.

Is online card approval really useful?

The answer would be yes and no. It is useful because you know the status of your application for the card instantly, you will know whether your application has been approved or not. You save yourself from the painful period of waiting and also the frustration when your application happens to be declined. It is lot more helpful to be updated of the status even if it is going to be declined so that you can start checking out for other options.

Besides that, card applications to a great extent seem not to worry about the credit history. There are people who have got their application approved even without a good credit history. However, we are not sure whether those are some exceptional cases or whether that is the general trend with online card applications. For some strange reasons there are also people with good credit history whose applications have been declined. This can be due to various possible reasons including the inability of the system to access the credit history of the applicant at the time of the application submission.

Even though your application gets approved instantly you have to wait for your card to reach you through mail before you can start using it. This is yet another marketing gimmick from the credit cards industry.

Summary: Today it is possible to apply for credit cards online and know the status of your application through online credit card approval. You have to be extra careful while applying for your card online enticed by instant approvals, as you might become one of the victims of online credit card scam.



DARIN