I am a recent college student with loans and credit cards to pay. I’m very confused about the whole process, and am looking for some guidance. I am also a couple payments behind, which I know is NOT GOOD. I’m starting to get phone calls, and I just want to get back on track. Any ideas?
I live in Philadelphia, PA. Anything in the area would be appreciated.

Technorati Tags: credit cards, guidance, loans, philadelphia pa, phone calls, recent college

I see them all the time at grocery stores but i don’t know how to use them? I know there are different models and each is a little bit different, but im guessing it all works about the same.

The one im wondering about is the self-swipe machine; i see people ahead of me in grocery lines use it and they only press 1 button after swiping their card…what button would this most likely be? There are so many buttons on the machine that it looks like a calculator but they only press 1…..what are all the other buttons for?

Technorati Tags: calculator, grocery lines, grocery stores, little bit, models, swipe machine

I deal with BMO and they recommend Moneris but their charges seem high.

I’m starting up a small business; I will be making sales over the phone of a single product. And, I need a very basic point of sale system. Essentially I need the program to do a few things:

Process credit cards, take down customer information (i.e. name, billing/shipping address), account for taxes, and print invoices (maybe also print labels).

Obviously, if there is a free program that does this, it would be great, but otherwise I’m willing to consider any suggestions.

Thanks to everyone ahead of time!

Technorati Tags: address account, credit cards, customer information, invoices, labels, point of sale, point of sale system, shipping address, small business

Or should I lease it for per month? Which credit card machine is more popular and last longer? What’s the life of the credit card machine? Thank you

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Someone told me they would pay me through credit card, but they did not have time to deal with it so they gave me their credit card information and told me to take care of it. How do i get paid the money through credit card? I do not have a credit card machine. Thanks
I tried paypal. It needs me to confirm the credit card in a couple of days. Any other options?

Technorati Tags: couple of days, credit card information, credit card machine, money

i don’t carry cash because i have already been robed twice and lost money more then a few times in my life and i have found its just better to use my debit card for everything, it is also a good way to monitor my spending as it is all listed for me on my bank web page. just today i was buying a soda at a convenience store, it was 1.29 and i used my debit card , the Russian cashier thinking i didn’t understand his language was on the phone and said "this f%6#$ng jerk is buying a Pepsi with a credit card ,what the f*7%K" first of all it clearly states its a debit card though it can be run as credit, second of all why would it matter? if it costs them extra to process credit/debit cards they can charge a surcharge so it shouldnt be that. i cant be the only person who never uses cash.

Technorati Tags: bank web, cashier, convenience store, credit card, credit debit cards, debit card, jerk, money, pepsi, soda, surcharge, web page

This is a verifone omni 3200. I have no istruction booklet and need to know if it works or not. Any help would be appreciated. thanks.

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I owe money on 3 credit cards. My car got repoed a few months ago and it’s in the process of being auctioned off and I am responsible for paying the difference which is a few grand. I am literally broke. I closed my bank account because I’m scared that the collection agencies have authorization to take whatever is in my name. Is this true? Can you please tell me what to watch out for? This is getting really annoying because there are some things I want to pay for like my phone bill or just simple things here and there and it sucks not having a debit card, it’s so much easier. I even purchased that american express gift card but that’s not even re loadable. Any tips? Also, another crazy thing. I am a new customer with a cell phone carrier and the very next day after getting new service, my phone has not stopped ringing from the creditors. How did they get my number???
Lemon: Thank you for understanding and taking the time to answer this. I’m very scared about the whole bankruptcy thing lol I’ve considered it numerous times before and I even contacted an attorney but when the appt came, I chickened out and never showed up lol

Technorati Tags: american express, american express gift card, appt, bankruptcy, cell phone, collection agencies, crazy thing, credit cards, creditors, debit card, express gift card, money, phone carrier, taking the time

I am just wondering how does the credit card machine work? For example, for a restraurant- When they charge a bill, doesn’t the credit card machine company get a percentage? Why do businesses insist of costumers on paying cash all the time rather than credit cards? (Who gets the money and how does the system work?)

Technorati Tags: costumers, credit card machine, credit cards, money, restraurant

We own a business that accepts credit and several times we have run our personal credit card through to put funds in our business account. Is this legal? We are in NJ.

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i want to pay off an old cc that is not at an outside collection agency, but it is with collections of the credit cards. i want to pay it off before they sue, they already started that process. do you think it’s safe to pay over the phone by electronic check? is capital one.

Technorati Tags: capital one, collections, credit cards, electronic check

i use my property owners credit card machine and at first she said i could use it and apply all amts. to the lease and now she wants to charge me fees to use the machine. if it is not written in the lease am i liable. she changes her mind as the wind blows
she has a motel and i have leased her other motel until i can get the equipment she told my i could use her machine and apply all cc run to my lease to keep her from having to pay me then i pay her with my check.but the fees she is trying to make me pay was not in the lease just a verbal agreement by her all of the sudden. now i have another expense and she told me in the begining i didnt have to worry about it.

Technorati Tags: amts, begining, credit card machine, property owners, verbal agreement

CHINA
PEOPLE’S REPUBLIC OF CHINA

Head of state: Hu Jintao
Head of government: Wen Jiabao
Death penalty: retentionist
International Criminal Court: not ratified

An increased number of lawyers and journalists were harassed, detained, and jailed. Thousands of people who pursued their faith outside officially sanctioned churches were subjected to harassment and many to detention and imprisonment. Thousands of people were sentenced to death or executed. Migrants from rural areas were deprived of basic rights. Severe repression of Uighurs in the Xinjiang Uighur Autonomous Region continued, and freedom of expression and religion continued to be severely restricted in Tibet and among Tibetans elsewhere.

International community
Before China’s election to the new UN Human Rights Council, it made a number of human rights-related pledges, including ratification of the International Covenant on Civil and Political Rights and active co-operation with the UN on human rights.
http://thereport.amnesty.org/eng/Regions/Asia-Pacific/China

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OK, let me start off by saying I NEVER let bills go by and make sure I set aside money so I’m prompt. Also, I’m not naive- I know CCs don’t care HOW you mess up…but I also know they want to keep their customers.

LONGER VERSION:
I’m a 22 year old college student. Last year (April 2008) I got my first credit card, mainly to establish credit, and that’s it. I signed up for CitiCard Platinum Select Visa. It had 0% APR for the first 6 months, and a surprisingly good APR after that (9%). Yes, I read the fine print- if you mess up just once, they could reserve the right to bump up the APR A LOT.

So since April 2008 I’ve avoided using it for many big things- the biggest thing came when I had to step in for a family emergency and put 0 bucks on there. I wasn’t happy about that, but I did get help paying that back. I started out paying a few hundred a month (the minimum was only 22 something a month) and have since paid ON TIME every month, usually at least 40 bucks more than the minimum. Currently I had about 1300 on the bill and was paying it down. They liked me, of course, and kept increasing my limit until I had 3500 on the card (of course, I wasn’t putting more stuff, but still). Everything was good.

Until this past week.

I lost my job and was running low on my usual bank account money. When I realized I wasn’t going to be able to replenish that in time, I asked a family member to spot me 30 bucks through their account because I wanted to make sure I paid this on time. I entered their bank account info online, double checked it…but stupid me, I was still one digit off somehow and the payment was returned.

Now, I did this at the end of the month, so by the time the payment processed and was returned, it was past the due date. As SOON as I was alerted, I called them and made June’s payment over the phone (that happened on July 2nd) from my newly replenished bank account.

Today, I go online, and guess what? Yup, late fee and returned check fee. I expected that. But they also bumped my APR from 9% to 28.9% and my minimum is now 9 instead of . I expected the APR bump, but they seem to really be going for the throat.

I need to call them tommorow, obviously. What should I say? Can I get negotiate? Can I get my APR back down to 9? This is my first error in over a year and it was a clerical one…clearly I was trying to pay them. I know I’ll have to pay some fees one way or the other, but since I have new credit I’m worried about my APR and my credit score. I’m going to cancel if they don’t revert my APR, simply because I can’t afford that. What should I be leary of when cancelling, if it comes to it?

Thanks

***************SHORT VERSION:

If you didn’t want to read all that: I’m a student with new credit, has been on time with payments for over a year, tried to pay ON TIME but because of a clerical error I entered the wrong bank account info, which caused me to get a bounced check/late fee, but worst of all, my APR went from 9 to 28 percent. Can I get them to reverse this?
Called and got it resolved today, they agreed to reverse every charge and lower my APR back to normal. I didn’t even have to argue…I got lucky this time.

Technorati Tags: bank account info, ccs, credit card, due date, family emergency, family member, job, money, platinum, visa

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I need to find out my username/password for my router so we can set up credit card processing at my work. My ISP has given me a couple options, but they don’t work. And after looking it up, the factory defaults don’t work either. Is there any way to reset the router back to factory default? Or does anyone have a tech support phone # for Siemens? Or just any helpful info would be appreciated. Thanks.

Technorati Tags: couple options, credit card processing, factory default, factory defaults, isp, router, siemens, tech support

At the time, I signed up a merchant account, the sales person ask me to say yes to the phone call that she made in the middle of signing up a merchant account. A trick that is normally used by some dirty players.

I noticed a month later that I end up signing a lease for 36 months with Ladco Leasing company, and that can not be cancelled. I have to give the lease payments for 27 month more that is the period left on lease.

A machine that was less that 0 is going to cost me 00.00 or more. I have been ripped off badly by a merchant account sales women.

Please help me, I have been killed by this lease.
Thanks in advance for your advise

Technorati Tags: lease payments, leasing company, merchant account, phone call, sales person, thanks in advance

I have a Wal-Mart Discover card that I use for gas and minor purchases that I pay off every single month. Over a year ago, I paid my bill online and by the time the check was processed, I didn’t have enough money in my checking account so my check was returned. I paid the fee right away along with whatever my balance was and continued using my card. Suddenly, at the end of November, I tried to use my card and it got declined. I thought this was so weird because I called the customer service line and was told that I had PLENTY of available credit and my next bill isn’t due for 3 weeks. The card still didn’t work and kept getting declined. I called the Wal-Mart customer service line literally 10 times and was put on hold for about 20 minutes each time… (a COMPLETE waste of cell phone minutes). They kept telling me that they reset my account and that my card should work and didn’t know what was causing the issue. Finally, after the 10th call, and being transferred through about 5 departments, a lady told me that they are putting a hold for 1 billing cycle on anyone’s account who has had a returned check. THIS WAS OVER A YEAR AGO! I was NEVER notified that a hold was going to be placed on my account and this is just a wonderful little gift right in the middle of the holiday season! Is this reasonable? I have NEVER heard of this before and I think it’s ridiculous… Any thoughts?

Technorati Tags: billing cycle, cell phone, checking account, customer service line, discover card, enough money, holiday season, minor purchases, wal mart

I am opening a really small womans boutique. I do want to get a credit card machine. But if I start out opening my business with just cash for about a month, should I expect a loss in profit?

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I need to get an old fashioned credit card machine that takes card imprints for an upcoming craft fair. It’s a one time thing so I don’t really want to spend the time or money to customize a merchant plate. Will the machine still take the cards imprint without it, or does it need the merchant plate in order to work properly?

Technorati Tags: cards, credit card machine, imprints, money, time thing

I ordered a family plan with 4 lines from Verizon. I paid for it with my credit card. It never said anything about putting down a deposit, just asked for my social and credit card. It took like a few seconds to process my order, but it went through and charged my credit card right away. Then I checked my email and it said the order is being process and going through a final credit check. ??? I don’t get it, will i get my order? they charged me! What will happen if the final credit check don’t get approved and I already paid?

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I want to be able to accept credit cards at my customers home when I perform my hair service. About how much will that cost? Where do I get the machines?

Technorati Tags: credit cards, hair service