Q&A :Credit Card

Apply for credit card again after being rejected

I already have one discover credit card and I recently applied for Wells Fargo credit card. But it got rejected saying that I am not a US resident. Something about me:-...

Make large Amazon purchase with 5% cash back or gift card balance?

I’m an Amazon prime member, and I have their 5% back credit card. I’m also recently engaged, and after two wedding showers we have a $1000 Amazon gift card...

My bank wants to lower my credit limit on my credit card. Will this impact me negatively?

I have a credit card upon which I buy my day-to-day purchases, and pay off in full every month, in order to build a credit history. I have a credit limit of £4050. My...

Best way to build a credit history for a graduate student in the US

I’m a first year graduate student in the US, and I’m considering several options to start building credit history. 1) Apply for a local credit union secured...

What does the negative balance number mean?

My credit card has a negative number but my credit limit has not been exceeded. Do I owe that negative sum to the bank? I have only spent 26$ since I made my last...

Authorized user on Lowe’s credit card (only credit history besides phone bill) how will this affect me when applying for an auto loan?

I’m 18 with a credit score of ~719. My grandfather added me on his Lowe’s credit card ($8,000 limit). He’s had this credit card for over two years and it shows up...

How much effort (and why) should consumers put into protecting their credit card numbers?

The more I think about it, the more it seems to me that credit card information is among the least worrisome type of personal information belong to any consumer. If...

What should I do if my credit card company isn't debiting my bank account even though they're crediting payment?

I’ve been paying my credit card every month at the company’s website. They credit me, but never debit my bank account. My bank says the requests are never...

Credit card purchase and retailer math error

I recently made a large purchase and the retailer made a math error and wrote down the wrong final price on my invoice/receipt (the top price was correct, but when they...

In what countries can credit card merchants use address verification?

Usually when you pay with a Visa or MasterCard online you have to provide a billing address. Many online shops, especially from the United States, will only send...