For example, say I got a Jcpenny credit card, what determines the minimum amount I pay each month? (Yes I know interest is high which is why I would pay more than the minimum). If I spend more, does that mean I pay more a month? Or does that stay the same?|||The minimum payment is different in every card.
An ex though: $500 balance - $40 min payment.
$1,000 balance $90 a month
Did you know that carrying balances is an easy way to destroy credit scores?
Remember that employers check, so do landlords and car insurance companies (you'll pay more). If you get this card use it to get those top scores.
Use it at least every 6 months to buy something you need, and pay in full when the bill comes in the mail. This way you also never pay interest.
54% of Americans use cards this way - they statistically hold those top scores
Don't let a credit card ruin your life|||The minimum payment is generally the higher of a base fee or a percentage of your balance. For example: It can be the higher of $25 or 3% of your ending statement balance. The more you owe, the higher the minimum payment.
Saturday, December 17, 2011
How to use credit card in paypal and it is secure?
I want to buy something from paypal but I don't know how.Where I can find credit card number.It is the number in the front of the card.And where I can find the expiration date of my card.And also the CSC of my card.|||You can use your checking account with Paypal (that is their preferred form of payment) but if you want to use a credit or debit card then the number is on the front of the card as well as the exp date. The csc is on the back of the card, typically in the middle to the right side of the card (the last 3 numbers)|||The credit card number is on the front - typically the long 14 or 16 digit number. The expiration date is below it - often looks like "02/12" or 02/2012. The CSC is the 3 digit number often found on the back printed on the signature strip like 109 or something.
Paypal is pretty easy and secure. Just go in and sign up, they explain it along the way.
The nice thing is that you can add your credit card, then make the purchase, and then if you want, remove the credit card until next time , that way you're sure noone can use the info in the meantime.
I hope that helps Jim Frey
Paypal is pretty easy and secure. Just go in and sign up, they explain it along the way.
The nice thing is that you can add your credit card, then make the purchase, and then if you want, remove the credit card until next time , that way you're sure noone can use the info in the meantime.
I hope that helps Jim Frey
How to pay with a credit card through paypal?
I am in the process of buying a costume online and the only way to pay with through paypal. I read that you can put money on your paypal with a credit card. So I entered my credit card information on paypal, but how do I actually pay with paypal using money from my credit card?|||after you have gone thru all th address information click pay now,the paypal logo will appear and click it,paypal will charge your credit card the total amont of purchase
How much over my minimum monthly credit card payment must I pay for it to improve my credit?
I know that paying more than my minimum monthly credit card payment will improve my credit. But how much more do I have to pay? $1? 50%?|||Those other responses didn't directly answer the question.
First, it is correct that paying more than the minimum *won't* affect your score. What you are trying to accomplish is to keep from being characterized by the CC companies as a struggling payer. The strategy is to pay the min plus a little while paying down other cards.
My experience is that paying an extra percent above the min will keep the CC software from identifying you as a "minimum only" payer. To be safe since some companies are bumping the min from 2.5% to 3%, I suggest you pay 4%.|||You need to keep your debt-to-credit ratio down! For instance, if the limits on all your credit cards are $1000.00, Try to keep the total amount of what you owe under 20% of that $1000. The less debt you owe on your cards is what to strive for!!|||It doesn't matter what you pay monthly. Only that you pay on time. And once you have paid down to 50% of the max allowed, you will look better on paper. That you are not maxed-out..|||How much you pay monthly has NO bearing on your credit score. What matters is the balance in relation to available credit.|||pay as much as you can afford to
First, it is correct that paying more than the minimum *won't* affect your score. What you are trying to accomplish is to keep from being characterized by the CC companies as a struggling payer. The strategy is to pay the min plus a little while paying down other cards.
My experience is that paying an extra percent above the min will keep the CC software from identifying you as a "minimum only" payer. To be safe since some companies are bumping the min from 2.5% to 3%, I suggest you pay 4%.|||You need to keep your debt-to-credit ratio down! For instance, if the limits on all your credit cards are $1000.00, Try to keep the total amount of what you owe under 20% of that $1000. The less debt you owe on your cards is what to strive for!!|||It doesn't matter what you pay monthly. Only that you pay on time. And once you have paid down to 50% of the max allowed, you will look better on paper. That you are not maxed-out..|||How much you pay monthly has NO bearing on your credit score. What matters is the balance in relation to available credit.|||pay as much as you can afford to
How do I know when to use credit card versus cash?
I've only recently gotten a credit card and I'm never sure if I should pay cash, debit or credit card. I know there is an advantage to putting stuff on the credit card because then you can earn points. However, I don't like to use it much because I lose track of my spending and don't have as good of an idea of how much I have spent. In what cases do you use a credit card instead of cash and vice versa. Thank you :D|||What you need to do is set up some sort of a spending log. If you have a smartphone get Mint.com on it and use it to track your spending. THEN you know how much you spent.
I believe if you setup online access to your credit card account Mint.com can even pull that for you and let you know exactly how much you spent. Check it out.
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Kasey C, PC guru since Apple II days
11 Android Camera Replacement Apps Reviewed
http://hubpages.com/t/13a9b9|||use a credit card when it extends the warranty or you need leverage against the merchant if the mdse is shotty. use cash if you can afford it
I believe if you setup online access to your credit card account Mint.com can even pull that for you and let you know exactly how much you spent. Check it out.
---
Kasey C, PC guru since Apple II days
11 Android Camera Replacement Apps Reviewed
http://hubpages.com/t/13a9b9|||use a credit card when it extends the warranty or you need leverage against the merchant if the mdse is shotty. use cash if you can afford it
Can I use my friends credit card without them being at the store?
She offered to use her credit card and pay half of the repairs on my vehicle. Neither one of us have enough credit to pay for the whole thing on one credit card. Now she can't come with me but she said she would give me her card to use.
Can I do that? Do I need her written permission or something?|||We run a mechanics workshop and I DO check signatures every time someone pays with their credit card. One thing she can do (noting I am in Australia and I dont know if its the same everywhere) is to get her to call the workshop and give her details over the phone (some places accept this others dont so check ahead about this - personally I would be iffy about it) Another thing you could do is get her to draw cash out at an ATM and give it to you - you go in and pay half with her cash and the other half with your credit card... I guess the short of it would be if you came into our workshop with someone elses credit card I wouldnt accept it and we would withold the car until payment could be made. Sorry probably not the answer you were after but try the cash way - (It will probably cost her a little more in fees but you could pay her back the extra)|||Nope not usually. Some merchants will not split a bill with two cards. She and you need to go down there.|||Your friend just has to call the store and tell them that you are using it.|||probably. very few places ask for ID anymore.|||there is no friend, there is no car--you stole some old ladys credit card and you want to see how you can use it.
Crack will make you do weird things!|||she can get you a card with your name and all that
but it's not best that you take her card and use it.
it would get you into a world of TROUBLE.|||Depends on the person at the counter. Legally your friend is supposed to be there to sign (if she is not there to sign and for some reason gets mad at you she can get you arrested for forgery) If the person at the counter does not look at the card you would get away with it but most stores will check. I have even had people at stores not let me use my husbands card when he is not there|||Yes, You will be able to use her credit card if they don't ask for your ID, but I doubt it will work because you will be paying with your card and hers. I would still get written permission from her anyway even though the repair man won't take it..This situation could back fire and she could say that you used it without her permission. It will probably work best if you get it in writing and then do a cash advance on her car at a ATM machine|||No, and 99% of the time you cannot have her "write a note" saying it's ok, because they don't know who that is that wrote that note. It's not like High School. Besides, when you walk up there with two different credit cards, that is NOT going to look good. They will hold your car, because they will check one of the cards when you come up with two.|||Hopefully Not. They will neeed HER signature!|||car places don't care who pays the bill as long as someone does.but you could get into a world of hurt. why are you getting your car repaired if you don't have the money. can she come with you later in the day?
She needs to come with you.
Can I do that? Do I need her written permission or something?|||We run a mechanics workshop and I DO check signatures every time someone pays with their credit card. One thing she can do (noting I am in Australia and I dont know if its the same everywhere) is to get her to call the workshop and give her details over the phone (some places accept this others dont so check ahead about this - personally I would be iffy about it) Another thing you could do is get her to draw cash out at an ATM and give it to you - you go in and pay half with her cash and the other half with your credit card... I guess the short of it would be if you came into our workshop with someone elses credit card I wouldnt accept it and we would withold the car until payment could be made. Sorry probably not the answer you were after but try the cash way - (It will probably cost her a little more in fees but you could pay her back the extra)|||Nope not usually. Some merchants will not split a bill with two cards. She and you need to go down there.|||Your friend just has to call the store and tell them that you are using it.|||probably. very few places ask for ID anymore.|||there is no friend, there is no car--you stole some old ladys credit card and you want to see how you can use it.
Crack will make you do weird things!|||she can get you a card with your name and all that
but it's not best that you take her card and use it.
it would get you into a world of TROUBLE.|||Depends on the person at the counter. Legally your friend is supposed to be there to sign (if she is not there to sign and for some reason gets mad at you she can get you arrested for forgery) If the person at the counter does not look at the card you would get away with it but most stores will check. I have even had people at stores not let me use my husbands card when he is not there|||Yes, You will be able to use her credit card if they don't ask for your ID, but I doubt it will work because you will be paying with your card and hers. I would still get written permission from her anyway even though the repair man won't take it..This situation could back fire and she could say that you used it without her permission. It will probably work best if you get it in writing and then do a cash advance on her car at a ATM machine|||No, and 99% of the time you cannot have her "write a note" saying it's ok, because they don't know who that is that wrote that note. It's not like High School. Besides, when you walk up there with two different credit cards, that is NOT going to look good. They will hold your car, because they will check one of the cards when you come up with two.|||Hopefully Not. They will neeed HER signature!|||car places don't care who pays the bill as long as someone does.but you could get into a world of hurt. why are you getting your car repaired if you don't have the money. can she come with you later in the day?
She needs to come with you.
What kind of a credit card is good to get?
HERES MY PROBLEM:
i am 20 and my family, friends, and bank, suggessted that i get a credit card considering i don't have one. They said i should get one because i need to build my credit score so that when it will be time to buy something big, I will be able to. What credit card should i get? I will most likly not use it often, i was considering to buy an IPHONE with it and pay it off month to month. What do you think all in all?|||i would go with your local bank and get one there. Just dont go with anything that has to do with Household Bank they are horrible.|||I want to give you some advice. Make sure you get a credit card that don't have a annual fee that you pay per year. Alot of credit cards charge you annual fee every year. Always check for that. I have a credit card from Chase. They don't charge annual fee.|||Reward credit cards reward you depending on the amount you spend on the credit card. Usually, you can collect rewards through 3 methods. One method involves earning cash back on the card, which is generally a certain percentage of each amount you spend. The next method involves giving points or any other type of token to the customers to accrue. They can then redeem these points for gifts like luggage, cosmetics and other goodies that the credit card company offers. Most of these reward schemes have alluring gifts and huge variety of selections. But the better option is to go for a cash back reward as it allows you to use the money any way you like.
http://debts-to-wealth.com/category/Earn-Rewards-With-Your-Credit-Card.html
i am 20 and my family, friends, and bank, suggessted that i get a credit card considering i don't have one. They said i should get one because i need to build my credit score so that when it will be time to buy something big, I will be able to. What credit card should i get? I will most likly not use it often, i was considering to buy an IPHONE with it and pay it off month to month. What do you think all in all?|||i would go with your local bank and get one there. Just dont go with anything that has to do with Household Bank they are horrible.|||I want to give you some advice. Make sure you get a credit card that don't have a annual fee that you pay per year. Alot of credit cards charge you annual fee every year. Always check for that. I have a credit card from Chase. They don't charge annual fee.|||Reward credit cards reward you depending on the amount you spend on the credit card. Usually, you can collect rewards through 3 methods. One method involves earning cash back on the card, which is generally a certain percentage of each amount you spend. The next method involves giving points or any other type of token to the customers to accrue. They can then redeem these points for gifts like luggage, cosmetics and other goodies that the credit card company offers. Most of these reward schemes have alluring gifts and huge variety of selections. But the better option is to go for a cash back reward as it allows you to use the money any way you like.
http://debts-to-wealth.com/category/Earn-Rewards-With-Your-Credit-Card.html
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