Credit Card advice for 19yr old Title says it all. I’m 19 years old, living in BC Canada, and don’t know much about credit cards. I thought building my credit score early would be a good idea but my dad told me never use a credit card, ever, and I’m just not completely sure if that’s the best advice. I applied and received a secured credit card from Gulf and Fraser with a bala…

LPT: Write a card not just to show appreciation for others, but to better yourself as well I just spent the previous hour writing a card on impulse, and I’ve never let this many tears out before. When writing, you look back at the experiences you’ve had with people and slowly remember the tiny things that have happened between the two of you, and as the little things that have long faded from your mind slowly resurface in your head, y…

Debt from credit card fraud sent to collections Tldr: last year my uncle’s credit card was stolen and the thief racked up about $400 in charges. The credit card company rejected the fraud claim and said my uncle had to pay. My uncle refused to pay on principle and just ignored it. A few months ago the debt was sent to collections due to non-payment. Is there anything he can do at this point t…

Sources: Pixel 8 Pro will keep physical SIM card, add Night Sight video submitted by /u/ronakg

WISE Currency Conversion Card Hi! I’m wondering if anyone has used a WISE Currency conversion card for traveling abroad? Going to London in Oct and tying to find a better way to travel than cash and my Visa, I’m coming from Canada I’ve seen a few diff types, but looking for feedback: Are currency cards the best thing to get? Any problem transferring money from your reg bank …

LPT: Use a prepaid card while traveling/on vacation Use prepaid cards when you’re traveling so you can stay within budget. You won’t have to worry about losing your card or transactions being rejected. You’ll also be able to reload it if needed. Also great for multiple member families; give kids their own and let them learn financial responsibility. submitted by /u/itsurpenpal

Amazon won’t give me access to a gift card sent by my mother Hi all. My parents were kind enough to gift me an Apple gift card through Amazon.com in late September 2022. I was dumb and mistakenly thought that an email containing the information necessary to activate the card came to my email but it is nowhere in any of my inboxes. I did not need to purchase a new laptop until now which is why it took so l…

A Credit Card Number Is All It Takes To Track Someone Through NYC’s Subways For the past few years, a new payment system has been rolling out on New York City’s trains and buses: OMNY, a modern, credit card-based replacement for the old MetroCard system. OMNY is simple, replacing single-purpose reloadable MetroCards with contactless readers on turnstiles that accept the contactless payment… Read more…

Need help deciding what to pay off: motorcycle or credit card? Hi everyone! I was hoping to get a bit of advice on the best move here as I am trying to get out of debt and eliminate at least one payment so when my student loans resume I can have one less payment somewhere. Back story: My significant other took his life and he left behind a lot of loose ends I needed to tie up. His Harley has $6100 left on i…

TD Credit Card Fraud Nightmare – Thief signed up for recurring service Just wanted to post about my situation and see if anyone else has had a similar experience. Last month, I noticed a few fraudulent charges on my TD Credit Card. No big deal, called the bank and reported them and was issued a new card. One was to ADT the security company. Thought it was all figured out. Fast forward to this month, notice that A…

Lying about a credit card. Help So I made a stupid decision to lie about getting a credit card back in March. I honestly don’t even know why I lied. (Maybe because I was scared not to get approved.) On the application I said I made $50,000 yearly When in reality I make less, probably $33,000 or even as low as $19,000 Everything was going okay, and I was making monthly payment…

Pay towards credit card debt with whole paycheck? I have about 8k in credit card debt (across 3 cards). One credit card has about 4500 on it. I just got paid and I was thinking about just using my whole paycheck to pay it down and then using my savings to pay my bills. I’ve been trying to pay my cards off and not putting anything into savings until I do pay them off. If I do this, I’ll be down …

LPT: your credit card may have extended warranty benefits, covering the cost of repairs/replacements Sharing because I didn’t know this until a month or so ago when I was reading through the benefit booklet of a new credit card I got. Many credit cards have, as a benefit, extended warranty for items you purchase with the credit card. Before you re-purchase or spend your own money to fix something that breaks, check your extended warranty benef…

Should I get a credit card? I’m a teen (16) with a part-time job and I was wondering if it would be a good idea to get a credit card. I can confidently say that I have good self-control and I don’t spend more than I need to. I have a pretty solid spending plan and budget. I know that the big rule to using a credit card is to always pay the balance in full every month and t…

Card problem with booking.com Hi there! I have an upcoming hotel booking and I’ve recently gotten a booking.com system notification telling me that they’ve detected a problem with my bank card and I will need to verify it in order to avoid any cancellations. They’ve already taken the money out my account when I made the booking over a month ago, never had issues with any oth…

Best Buy denied fraudulent credit card claim Hi, a few months ago I received emails about a credit card from Best Buy being opened in my name. As soon as I noticed I called Best Buy and reported the fraud and locked my credit. Best Buy said they would look into it. I got a letter in the mail saying that they determined that I opened the card and j am responsible for the balance that’s is …

Paying off my credit card every month, they give me the option to use my cashback bonus toward the payment. Should I use it? Or let it accumulate? Are there benefits to letting it accumulate? submitted by /u/KeepNotesThisTime

I have never had a credit card and tried to avoid them. But do I actually need a one? I’m fortunate to live at home to save on expenses, but I would like to eventually buy a small house. I checked my credit score a few days ago and it wasn’t the greatest, like 600. I paid my student loan off a 2 years ago and I bought a used car at discount before that for cash. I’d like to keep it as long as I can. I feel like I should be in a g…

Can someone help me make a plan to pay off my credit card please??? EDIT: I’m 26 years old no parental figures for years because parents were addicts and grandpa died 6 days after High school finished so I have had no one to guide me in adult life and things like credit and loans The new used car is a new problem. I got it August 1st. Before that I had a 2 year medical loan for $180 a month that I finally paid o…

Enterprise rental was scratched – filing claim with credit card? So I am renting a car rn, and while parked it was scratched by the car next to it, leaving behind some of that car’s paint. (It’s a very unique Dodge Charger yellow-ish color that left the scratch on my rental). I didn’t buy the damage waiver, but my credit card (Capital One Savor One) does have rental car coverage as secondary. I took some pict…