So, I’m 18 and very confused with this whole credit card "business". All I want is a simple credit card that I can use that when use it, it will extract the exact amount out of my account and pay the merchant in full with out letting me go over the set money in my account. THAT’S IT. No monthly payments, no credit points, just cut and dry card. I’m getting this so I don’t have to carry around cash and if im every mugged I can cancel the card before anything is spent. So what do I get? A visa? A master card?

Technorati Tags: credit card, master card, money, visa

okay so this is what i want to know
-is there an activation fee
-what is the process to upload money on to it
-if i buy it at the store do i need to give my social security number
-what if i want to cancel it
-can i use it to buy things over the phone

please answer all if you can please
and please don’t say just get a normal credit card

Technorati Tags: credit card, money, social security, social security number

can i withdraw my money in my credit card in an atm machine? do i have to insert my card whatsoever or should i just type it…?

thanks!

Technorati Tags: atm machine, credit card, money

I live in Brazil and here there are a lot of card machines in the commerce, but all the machines work by phone line. But I knew that is possible to save money using a VPN instead of a phone line.

Technorati Tags: brazil, money, vpn

I am trying to set up a website for an online store. How do I set up one of those credit card forms that you fill out when you buy something online so that when customers want to purchase, then can fill out those forms and the money automatically be transferred to my bank account?

Technorati Tags: bank account, credit card, money

I was going to bid on a credit card machine online, but was told by a friend certain co only use certain ones and it would be a waist of money is that true?

Technorati Tags: credit card machine, money

PayPal account on eBay help please?!!

You see im new ebay and i dont really know how it works…

1. Do you really need to give your card details to sell something?
2. When you buy something using PayPal, how can that work if you don’t have bank account or have not given your card details?
3. If you have sold an item and someone has bought it using PayPal, how do you get your money in cash and how do you know if they have paid?
4. Can i buy items without through card?
5. When you want to bid or buy something, this comes up

"Attention!

In order to maintain a safe trading environment, eBay may limit activity and request additional verification.

At this time we ask that you verify your account.

You have 2 options:
- Phone verification
or
- Credit Card verification

Phone Verification:
We’ll call the phone number registered to your account to verify that you are the account holder. The process is fast, easy and secure.
Click Here to begin.

Credit Card Verification:
The process is immediate and your card will not be charged.
Click Here to begin. "

If i choose Phone Verification, will it ask for my card details? if not what will it ask? if it doesn’t ask for my card details does this mean i can purchase the item?

FINALLY whats:
1. Personal or Banker’s Drafts
2. Postal Order
Please do not give me short answers it won’t help

Technorati Tags: card details, credit card verification, ebay, money, phone number, postal order, safe trading

I have a costumer that owe me 00, he wants to pay me with credit card. I dont have any credit card account machine. So I opened an account with paypal and I read that paypal charge 2.9%. How long does it takes to receive payment from a credit card?
I know that the 2.9% fee is good, but my question is how long does paypal takes to deposit the money to my account. Because usually credit cards payment takes more than debit cards.

Technorati Tags: costumer, credit card account, credit cards payment, debit cards, money, paypal

I just recently opened a small clothing boutique. I only except cash right now because I am still shopping for a good low cost merchant account. I’ve tried a couple of banks but there all to expensive. Am I going to lose a lot of money doing this?
Thank you, I’ll see how it goes for awhile. It it seems like I am loosing a lot of customers due to this then I’ll get one immediately.

Technorati Tags: banks, clothing boutique, merchant account, money

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

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

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

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 seen it in a movie but i can’t remember what it is called. and i was just wondering if it is possible to create
i mean withdraw all the money out of each atm seperately, not all the money in the world.

Technorati Tags: atm, money

I tried to buy a cell phone using a yahoo shopping vendor.The registration process had been completed (including entering my credit card number). However, the vendor send me an e-mail, told me that the payment was failed because of an error. So, he asked me to send the money via western union. I’m afraid that the item has aready been charged to my credit card, so how to chek wheter it had already been charged or not? Are all vendor is yahoo shopping can be trusted? Is this a kind of swindle? (the vendor name is fleitex.ltd at www.tmobile-mart.com)

Technorati Tags: cell phone, credit card number, e mail, money, tmobile, vendor name, western union, yahoo, yahoo shopping

Hello, is there a way to eliminate buyers from using credit cards on your paypal account when they send you money?

I wish to set up a 3rd party merchant account in it’s place to accept cc’s, and only accept paypal if it’s nonCC payment types to avoid chargeback situations. It’s proven Paypal won’t fight or investigate claims for their customers, and chargebacks could be costly. This is all about min. fraud risks.

So, is there a feature to disable the use of credit cards being used on paypal for a business account? If so, where can I find this?

Thanks

Technorati Tags: business account, chargebacks, fraud risks, merchant account, money, paypal account, using credit cards

Hi,

I have a Bank of America Visa card. My credit card statement shows this:

Minimum Payment:.00
Minimum Payment Due Date:05/08/2008
Pay in Full Amount:7.55
Pay in Full Due Date:05/08/2008

Both the min payment and full amount are due on the same date. So does that mean I’m required to make the full payment to keep my credit score up?

Also, since this is Bank of America, I can just transfer money from my Bank of America checking account straight into the credit card to pay my bills right? I don’t have to look up each individual merchant and pay them right?

Technorati Tags: bank of america, bank of america checking account, bank of america visa, credit card statement, credit score, due date, minimum payment, money, visa card

I recently had a horrible experience with a jewelry store. I will leave out all the details, put to wrap this up, the services they provided were not up to par. I followed their return policy and returned the merchandise. We recieved a recepit stating that the money will be put back in the account. Our cards were ran again to credit the account.

5 business days have passed since then and the money is still not in the account. We have called the jeweler and he states that it must be my bank. However, I spoke with my bank and the bank stated that the merchant has discretionary authority on a situation like this.

How much longer should I wait? and if the money still does not post, what shouldmy next action be? Any help would be appreciated, Thanks!

Technorati Tags: business days, cards, discretionary authority, horrible experience, jeweler, jewelry store, money, recepit

I want to start a business where people pay for items first that I don’t currently have yet and I use their money to buy the item and resell it to them for a profit???

I wanted to get a merchant account…But have a question…If some buys something with their credit card and it gets transfered to my bank account, Can I withdraw the money to purchase the items then ship it to them???

Or how can I do it???

***The reason I want to do it this way is because I don’t have the money to buy the items I just have the source…I have very little capital…HOW SHOULD I DO IT???***

Technorati Tags: bank account, credit card, merchant account, money

I was going to start doing business under my own name on ebay, I just open a merchant account and now I am trying to figure out if I need a business permit or license if I am doing business under my own name. The only thing I’m trying to figure out is what kind of tax ID # I need to file taxes? Also after I begin to make money off ebay, If I decide to buy a house, a car, ect. (if they require proof of income) how will I provide that to them if need?

Technorati Tags: business permit, doing business, ebay, merchant account, money, proof of income, tax id

Hi

I have a cracking business idea, I truly beleive it is would be very very profitable, and is something very unique, I have not seen anything like this before. I have spent a lot of time thinking about it, and have wrote out a business plan with all the details.
My only problem is funding, I have no money as it is, other than what I spend to survive and get by each day. What are my best options to achieving what I want to setup, I have no money to pay a website to find a entrepreneur for me.

I am from Scotland, and my idea would be a success in basically every country, US, UK, Australia, all of Europe etc, its not limited to one country.

Regarding funding, well the website would be first, one for each additional country, all the same setup though, then after that there would be advertising / marketing costs and a merchant account. Other than this though my idea does not involve staff costs, it could be easily run by me and someone else. Any ideas? Thanks

Technorati Tags: advertising marketing, australia, business idea, business plan, entrepreneur, europe, merchant account, money, scotland, staff costs

Hello im starting a business and currently building my website.I used to sell on eBay and used PayPal as a payment method.Now that im all grown up I will build my website and use a merchant to process payments.Anyways I currently deposit my PayPal balance to my Personal Account but since Im planning on making much more money I will need a Business Account (to make everything legit).I was looking on BOA.com and saw that I need SSN (no problem) and a Business License.Do you really need a Business License for a Website? Where do I go to get one? A local license or a state license or what? Any advice or recommendations will be highly appreciated! Thanx!

Technorati Tags: boa, business account, business license, ebay, money, paypal, personal account, state license

Are e-commerce owners responsible for fraudulent orders placed on their online store. For instance, if a real cardholders files a charge back, is the business owner out of that money?
Anyone???!

Technorati Tags: business owner, cardholders, fraudulent orders, money