Q&A :

How to properly use a credit card

I am a first time owner of my own credit card. I got it with the purpose of building my credit to be able to receive loans for cars/house and things of that sort. I have...

Can I pay my student loan with a credit card?

As far as I can tell, it’s not possible to pay off student loan debt with a credit card. I’m currently making payments through Great Lakes borrowing...

Can I get cashback for buying gift cards on Amazon?

I have an Amazon Prime Rewards Visa Signature Card that gets me 5% cashback on purchases made through Amazon. Is it possible to reap that reward on gift card purchases?

how far can one push the signup bonus game?

I have never signed up for cards with signup bonuses with the expectation of canceling, but I am getting curious about it. The signup bonuses range from $250-500, more...

Do I need to get it in writing when paying off collections accounts?

I have a credit card in collections with a balance of $1972. I will be able to pay this off in a couple of weeks. I have read a lot of articles that say that I can...

Credit Card with -95 balance

I just closed my account after I paid off the balance. However, now the balance becomes -95. Does anyone know why? How can I make it back to zero and do I have to? The...

Can a merchant accept some Visa cards but not others?

I recently ate at a restaurant that accepts Visa but has a policy that specifically excludes accepting Costco Visa credit cards. I have never heard of such a thing....

Why does it take so long to refund to credit card?

I cannot understand this: if I make an online purchase with a credit card, the purchase is done instantly, and I receive a SMS notification within 5 seconds. However, if...

Is it a bad idea to have 3 secured credit card accounts open?

I initially signed up for a Wells Fargo cash secured credit card, last month, but lately with their changing the ToS and extra fee, I am worried about my choice. People...