Answers
has anyone heard of cash yes master card? It asks for banking information on line and i don't like putting that kind of information on line....
This is a card for rebuilding your credit. They will charge you an arm and a leg to have the card. I cut and pasted this from their terms and conditions:
Annual Percentage Rate (APR) for Purchases
19.75% for first 3 billing cycles; after that, 22.75%
Other APRs
Cash Advance APR: 26.25%
Penalty APR for Purchases and Cash Advances: 29.95%*
Grace period for repayment of balances for Purchases
Not less than 25 days from the closing date of the billing cycle if the prior month’s New Balance was paid in full by the Payment Due Date
Method of computing the balance for Purchases
Average Daily Balance (including new Purchases)
Annual fees and Other Fees for Issuance or Availability
One-Time Account Set Up Fee: $125.00
One-Time Program Participation Fee: $76.00
Annual Fee: $96.00 per year
Monthly Participation Fee: $96.00 per year, billed monthly at $8.00 per month
Minimum Finance Charge
$0.50
Foreign Currency Transaction Fee: 2% of amount in U.S. dollars after each Purchase and Cash Advance transaction has been converted from a foreign currency
Transaction Fee for Cash Advances: Greater of $5.00 or 5% of Cash Advance amount
Late Payment Fee: $25.00
Over Limit Fee: $25.00
There is also a $40.00 credit limit increase fee if you choose to request one and it is approved.
This is probably not meant to be a long term card. I have had the card myself for a year. It has helped to improve my credit score. There fees are about the same as others such as Capital One, Orchard Bank, First Premier and Contiental Finance. They are here to make a buck and in return help you regain your credit status. You just have to do you part and not over-extend yourself with credit you can't afford.
It's your decision whether to use a program like this. To each their own and everyone is not in your shoes. Good Luck!
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yes i applied and got approved but it takes them like a week almost 2 to process it . i havent recieved my card yet but keep check back with me later after about 7 days and tell you about it
We use the card/check so many times that we forget to use the bills :))
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The Associated Bank sponsors this VISA cash rebate card, and the billing info reads REBATE DOLLARS EARNED YTD: $407.17 We have had this card over a year and I can not find out how to receive the money. Thanks , and yes the bank didn't seem to be much help so we are in the process of changing banks and I hate to go back.
Hello, I would first put a request in writing, certified mail. Keeping a copy for your records. I would contact your local commerce of banks, local federal reserve/equivalent,states attorney's office, and though it is just a reporting station I would leave a complaint with better business bureau.
This is something you have in writing regarding your cash back rebate and what's owed to you. If they don't honor you, consider putting in a small claims.
Check your local laws and if necessary, how the the laws apply where the card is from. Example, Delaware.
Good Luck
p.s. Here is some extra information
http://www.federalreserveconsumerhelp.go v/complaintinfo.cfm?info=4
Can I file a complaint?
You can file a complaint if you think a bank has been unfair or misleading, discriminated against you in lending, or violated a law or regulation. We investigate complaints related to federal consumer protection laws, such as the Equal Credit Opportunity Act, Fair Credit Reporting Act, and the Truth in Lending Act.
http://www.federalreserveconsumerhelp.go v/complaintinfo.cfm?info=1
How do I file a complaint?
First, try to settle the problem directly with your bank or financial institution. If you cannot resolve the problem, contact us for help.
To file a complaint, you can:
* Call us toll-free at 888-851-1920 (TTY: 877-766-8533) 8 a.m. to 6 p.m. CST
* E-mail us at ConsumerHelp@FederalReserve.gov
* Send us a fax at 877-888-2520
* Write to us at:
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
In your complaint, be sure to include the following:
* Your name, address, and telephone number(s).
* The complete name and address of the bank involved in your complaint, if known.
* The names of those you dealt with at the bank, along with the dates.
* A description of the complaint. Tell us what happened. The more information we have about the problem, the faster we can investigate and respond. Include copies of letters or other documents that may help us investigate your complaint. Please send only copies of documents - do not send originals.
File your complaint online now. To file your complaint via fax or mail, download and print the consumer complaint form.
http://www.federalreserveconsumerhelp.go v/complaintinfo.cfm?info=2
What will the Federal Reserve do?
We will connect you with or forward your complaint to the appropriate federal regulator for the bank or institution involved in your complaint.
If your complaint is against a financial institution that the Federal Reserve supervises, it will be investigated by one of the 12 regional Federal Reserve Banks.
As the Reserve Bank investigates each issue raised in your complaint, it will:
* Ask the bank involved for information and records regarding your complaint.
* Determine if the bank's response addresses your concerns.
* Send you a letter about its findings.
The Reserve Bank may also contact you to request additional information necessary to complete its investigation.
The Reserve Bank will let you know if it finds an error or a violation of a federal law or regulation. Investigations typically take 30 to 60 days to complete. If more than 60 days have passed, the Reserve Bank will contact you to let you know the status of its investigation. Please note that it may take several months to investigate more complex complaints like those alleging illegal credit discrimination.
http://www.federalreserveconsumerhelp.go v/complaintinfo.cfm?info=3
What won't the Federal Reserve do?
Although the Federal Reserve looks into every complaint that involves the banks we regulate, we do not have the authority to resolve every type of problem. For example:
* We are unable to resolve contract disputes or undocumented factual disputes between a customer and a bank. In these cases, we suggest that you contact an attorney.
* We cannot investigate matters that are the subject of a pending lawsuit.
* We are unable to resolve complaints about customer service or disagreements over specific bank policies and procedures not addressed by federal law or regulation.
i've long admired online shopping.i see it as a way of easy access and direct contact with producers and direct dealers or agents of goods of my taste.now the problem is the possibility of shopping online without the use of a credit card.is cash payment acceptable?;if yes,how do we measure or calculate the risk accruing from this?
Sign up for a paypal account.
Man flees after stolen credit card is declined
———
A man told police he was in his driveway in the 600 block of Burton Avenue Thursday afternoon when two men and a woman stopped in a white Ford Explorer and asked if he knew where James Street was located. The man told them he didn't know where it was, and the driver asked him what he had in his pocket, a police report stated. The man told them had only his wallet in his pocket and asked if they were trying to "jack" him. The driver nodded yes and the man ran for safety while the three people drove away.
———
A store employee was found to have stolen money from a cash register earlier in the week at a business in the 100 block of South John Redditt Drive.
The History of Credit Cards in Retail | The Always Upward Blog
Yes, times are tough. And yes, a lot of businesses are up against a wall financially. And yes, there are a lot of vendors getting “declines” when they run credit cards for ready-to-ship orders. But wait a minute…. How did retailers get themselves into this dysfunctional “pay up front” system, eradicating N30 terms, erasing any possibility of pulling revenue out of the product before the bills are due?
They didn’t. This one began on the vendor side. A few vendors begin to offer credit card payment as an additional option for accounts on N30 terms. A few retailers go that route, mostly for hotel and airline points. When day 30 rolls around, the store and vendor speak to authorize use of the card. Retailers know what’s going on the card, how much, and when. If there’s a problem with the order (mis-ships, damages, etc.), it gets straightened out before the payment is agreed upon.
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