Thursday, December 15, 2011

How do i know my credit card number if i dont have the credit card, maybe through paypal?

My uncle allowed me to link his master card to paypal so i could buy items off ebay. So i linked it, now i need the credit card number to check the card statement online so i can verify my credit card. The only problem is i dont have the credit card and my uncle's on a business trip and i cant call him either. But anyhow my card is linked to paypal, is there a way i can check my credit card number through paypal? Thanks for your time.|||No


Even if you go into your account settings, only the last 4 digits of the credit card would show anyways.. LOL





Anyways, nice story. I highly doubt your *uncle* allowed you to use his credit card to sign up for Ebay/PayPal and now he is conveniently out of town, so you cannot call him (hmm he must have traveled to Pluto where there is no phone service?) to ask him to give you the numbers you need to verify your PayPal.





You did read the PayPal TOS right? I would guess you are under 18, had no credit card, so you took someone elses and thought you could get away with it. See, this is what happens when you steal and lie. You cannot complete your mission.|||A likely story.

What credit card to get at 18 and not a college student?

I always thought at 18 they love to give you credit cards, I've tried Capitol One, Chase, a QT credit card, and a Best Buy one. All deny due to no credit history. I obviously can't get Credit history if they won't let me have credit. I Work 2 jobs and just want to have one just in case and to actually build my credit. What's going on and why do i keep getting denied?|||Stop applying for the cards, you will only be denied. You will have to start building your credit rating with secured credit. Make sure the banks report to the credit bureaus, otherwise it does no good.





Go to the bank you do business with, ask them if they have a secured credit card, if they do open a new account with $300 - $500 tell them you want a secured credit card against that account. Use the card for small purchases like gas or food and pay the card off entirely each month on time.





Also you can take your savings account and save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months. Lenders like to see a mixture of credit, revolving, installments, personal loans.





After a few months you can try for an unsecured card again. Retail store cards and gas cards are normally easier to get.





It takes 24 months of consistent on time payments to build a good credit rating.|||As mention before, open up bank account with chase or whomever you prefer$500 is best; secondly get a loan against that amount; thirdly set-up autmatic payments so that you will never forget to pay on time; you could do this with two diffferent banks. Credit is guaranteed to be estabilsh

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|||The reason that you are being denied is because you are applying to too often. You should wait more than a year between applications. Any more frequent can result in rejection due to recent "inquiries".





You should start by depositing money at a bank that offers "secured" credit cards to depositors with no credit and obtaining a "secured" credit card from that bank. After you have made the payments on the "secured" credit card long enough to build your credit and have applied nowhere for over a year, then apply for a regular card.|||Credit card companies deny a lot of people now with the economy in the state that it is. The reason the economy is in the state that it is is because of banks handing out loans to people that couldn't pay them off. A credit card works similarly on a smaller scale, so the card companies don't want to risk giving a card to someone who has never had one before.


It wouldn't hurt to try a credit card matching service. I know the deal store has one, so I pulled the link up for you in my source.





Try that out and let me know if that works for ya. If you need any more help, I'm just a message away.





-Master|||Try a gas credit card, like Shell of Chevon, they will usually give you one, although I'm not sure if they report to the credit bureau to give you a credit history. Or try a prepaid credit card. Don't worry, in time you will be getting plenty of offers.

How does a debit/credit card work?

If you have a "check card", or a credit card that is linked to your debit account how does it work?





I know if you debit something it comes right out of your checking account, but if you decide to use the "credit" portion of the card how does that work?





Any insight would be helpful. Thanks.|||A "debit" hits your account immediately because you authorize it using your PIN number. A "credit" can take up to 48 hours to come out of your account because you authorize it with your signature.





Most businesses would prefer you to use your card as an ATM (debit) because they get charged a fee for processing a credit card (visa might charge them 2% of the amount for instance) which gives them less profit. Banks like you to use the ATM feature because the money is processed immediately.





Hope this helps!

How can I make free money online without using a credit card?

I am interested in earning free cash online but all the site I have been too require you to buy something or use a credit card for one time fees. Is there something out there where it is 100% free %26amp; you don't have to enter a credit card number?|||Make Money 24/7 with the PPC Click thru Program. It's Free EARN MONEY BY LEAVING YOUR COMPUTER ON!!





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http://www.ppcappraisal.com/register.php鈥?/a>








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Here are the instructions to get started, and you may want to print


this out first:








鈥?


click this link.


http://www.ppcappraisal.com/register.php鈥?/a>





鈥?Enter your personal details.





鈥?Where it says Company Name put: ppc appraisal.





鈥?For URL/Site put: ppcappraisal.com





鈥?For TAX ID: N/A





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鈥?After downloading run the test33.exe browser program


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The programs runs through 1500 clicks, which is about 4 hours a day then stops for the day.


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What does having a negative credit card balance mean?

I have a capitalone credit card with a 300 dollar limit. I recently paid it off and have $300 worth of credit available. But I have a balance of negative 200 some dollars. What does this mean?





Do I owe this money? I put down a full payment well before it was due so I'm kind of stumped.|||I would call Capitol One and ask somebody there if I were you. I know that on my card (not a Capitol One card) I was once worried because I had a negative fifty dollar balance, but that actually just meant that I'd overpaid, and could spend up to fifty dollars on it before I would even have to worry about paying off the balance again. I wouldn't want to assure you that that's what it means, though, as it might mean different things on different companies' statements.





If it hurts your credit score at all, I would recommend visiting http://www.onlinecreditscoring.com/credi鈥?/a> for some tips on repairing your credit score. They're where I get most of my information and they're pretty handy.|||I think you should call Capitol One and say my due date was ________


and my 300.00 check cleared the Bank on (date) and why are


you negative 200.00.

How do you cancel a credit card account without affecting you in any way?

I have a credit account that started off charging a 9.9% anual fee. Recently, I've checked my statements and realize that it's been bumped up to 30% due to, first, the credit card being maxed out, and second, paying only the minimum fee.


WTF!!!|||CLOSING the account can hurt your credit score. It's a silly thing to do.


Being maxed out and paying the minimum isn't what raised your rate.


I think that part of the story is missing. Were you late with a payment ? Even by an hour ? Did you go over your limit ?


Were you late on a different credit card payment ?





Credit cards are a necessary thing in todays world.


People who "hate" them are ignorant.





When you use a credit card and pay the bill in full, you don't pay a single solitary penny in interest.


You can also get free airline trips, cruises and many other benefits by paying the bills on time AND NEVER paying a penny in interest. What is there to hate ?





People who tell you to go ahead and close the account are just as ignorant. You get credit in your credit score for the age of an account.





AND for the record, you CAN close an account with an open balance. You will still owe the balance though.





So many incorrect answers from people who really don't know what they are talking about, they just guess.|||First of all, you have to pay it off. Then just call the company and cancel the account. They will try to talk you out of it, but stand your ground. Don't be intimidated. I hate credit card companies. They will stuck you dry.|||Write a letter to them and first ask them to change your rate back. If they are unwilling to do that tell them to cancel the card.





I think these credit cards have lost their minds. At least you do pay, you pay the min, what is what they asked you to pay.|||You can either pay off your card or transfer the balance to another card. But keep in mind, if you have other debt, and you cancel a card that has no balance, you are lowering your debt to available debt ratio, which will affect your FICO score. Also take into account if this card has your highest limit and how long you've had your card. You don't want to cancel a card that that holds your highest limit %26amp; is on your credit history the longest. Personally, I would either pay off the card, or transfer the balance onto another card, and as long as you don't have any annual fees, I would just put the card away, or tear it up, so you can't use it anymore. If there's no balance, it doens't cost anything to keep the card, and you don't affect your credit in a negative way by closing the account....





Good luck...|||You have to pay it off to cancel it - if it's at all possible transfer your money to one of those cards that offers you a 0% (or a really low rate) on balance transfers. Then, cancel the card as soon as possible after you make the transfer - be sure you never have anything automatically charged to your credit card (like a magazine subscription renewal or something like that). It will definitely affect your credit score for a while - but so does carrying a maxed out card.





If you were even one day late on that card (or any other debt you have - even rent, car payment, etc) they have the right - read the small print - to bump up to those exobitant rates. They are all be investigated by congress, but nothing has come of it yet.





Good luck - these things are really tough!|||A creditor has several options that are covered in the agreement that you signed when you open the account by purchasing something with, mostly in very little print, but still they pull your credit report periodically in order to reevaluate whether or not an increase your credit, or if the payment is just 1 day late at the best rate then you have also authorized the reduce credit line, or interest rate. It happens to everyone at least once, I think you shoud inquiry fo a new card, info available. If you have good credit try Bank Of America and Wells Fargo but are outstanding customer service. Then once you find one you like and apply for are approved then transfer that high rate 30%

How long before my new credit card shows up on my report?

I recently (about a week ago) applied for a credit card. Today I checked my credit report, and it wasn't on there, how long will it take to show up?|||Generally 30 - 60 days. Creditors do not report on a daily basis.|||Most credit card companies report new accounts at the same time each month therefore depending on when the account was approved, it can take up to 60 days for standard reporting.





There are some extremes to this. Some of the major banks have direct reporting for near instantaneous additions, and some regional banks may take as long as 3-4 months depending on their technology and internal policy.





There is even one more greater, but less seen extreme; there are some subprime (primarily) credit cards that don't report to credit bureaus unless the account is derogatory. Some others may only report to 1-2 of the 3 main credit reporting agencies.





Best of luck,


Mike|||The standard is about 60 days.


Most credit card companies report to the 3 credit bureaus once a month at the end of each month.





Check your credit report around the 5th of next month.


For a free credit report with scores, go here: http://ww.directshortcut.com/Credit