#card

Best credit card for gas?

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Best credit card for gas? Hey guys I’m looking for the best credit card for rewards/ cash back from gas stations/gasoline purchases. Need to add a card to get my score higher I think. (No annual/monthly fees as well) submitted by /u/ImagineBeingBullish

Reddit Personal Finance 187 2023-07-09

LPT: When gifting money, like for a wedding, write what you gifted them in the card

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LPT: When gifting money, like for a wedding, write what you gifted them in the card Too many stories about family members stealing the money out of cards that someone has been gifted! Write “please enjoy this $100 to splurge on your honeymoon” or something of that effect, to establish what should have been included in the card. That way, you know your money is going to the intended, and not a greedy third party. submitted b…

Life Pro Tips 252 2023-07-09

Amazon Gift Card – limited-edition Prime van

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Amazon Gift Card – limited-edition Prime van ACI Gift Cards LLC via Amazon has *$50 Amazon Gift Card in Limited Edition Prime Van Tin* for *$50*. *Shipping is free*. Thanks to Community Member *AaronF8618* for sharing this…

Slickdeals 175 2023-07-09

Amazon converted my refund to a gift card and didn’t tell me. Deceptive practice.

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Amazon converted my refund to a gift card and didn’t tell me. Deceptive practice. I ordered a tablet from Amazon; the total was $124.99. When it arrived, it was defective and I returned it using their online process. My Amazon account showed the item was received by Amazon and also stated a refund was issued on May 30th. But that was not what happened. Instead of crediting my Visa account they issued me a “gift card” in the a…

Reddit ecommerce 203 2023-07-09

I need advice on how to pay off my credit card debt 39K

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I need advice on how to pay off my credit card debt 39K I make about 76k pre tax, bringing home around 59k a year I have been struggling how to pay off my 39k credit cards (+20K auto loan), now it’s in a repeat cycle In a bi week I bring home around $2200 average ​ My credit debt -> Discover 12500(24%) , AMEX 8500(26%), CHASE 4000(24%), Capital 3500(24%), personal loan 9500(8% set for auto withdraw)…

Reddit Personal Finance 161 2023-07-09

Using my bank’s bill pay for a credit card?

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Using my bank’s bill pay for a credit card? Forgive me if this is a dumb question, or if it isn’t the place to ask… I would like to set up my bank’s bill pay to process payments to my credit card account. I think it will be easier/clearer (for me) to “push” payments from my bank rather than “pull” from another account. Should be easy – but I can’t seem to track down exactly what my cc …

Reddit Personal Finance 167 2023-07-09

People need to think about credit card debt (or any debt) differently. You have to think of available disposable income to repay!

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People need to think about credit card debt (or any debt) differently. You have to think of available disposable income to repay! A person might think $10k on credit card is “okay” because they make $60k/yr. No. It means at 20% they gotta find an extra $250/month in your monthly budget of all your income and expenses, to be able to pay it all off in 67 months (that’s 5 years, 7 months), paying over $16,616 total. And that’s assuming they cut up their credit card and haven’…

Reddit Personal Finance 156 2023-07-09

LPT: Use a virtual card for subscription trials and other canceled services.

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LPT: Use a virtual card for subscription trials and other canceled services. I frequently read or hear accounts of people who failed to end their free trials and were charged. Or even worse, they terminated the subscription but were still billed, forcing them to deal with customer care. It’s an easy fix that has served me well for a long time. Make use of a virtual card that you can manage. Although I use Privacy.com, I’…

Life Pro Tips 222 2023-07-07

Shopify Gift card Scam

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Shopify Gift card Scam We had a gift card purchased on our webshop, but shopify flagged the transaction it as fraudulent. We will cancel and refund but makes me wonder, other than that the purchase was probably made by a stolen card, what other way can the scammer exploit the giftcard? It’s non refundable and they can’t spend it anywhere other than our site. subm…

Reddit ecommerce 163 2023-07-07

About $7k in credit card debt. Hard to not use the credit card at the same time because I feel like I have a cash flow problem

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About $7k in credit card debt. Hard to not use the credit card at the same time because I feel like I have a cash flow problem First, definitely have a spending problem if my credit card keeps getting so high, but at the same time I feel like I don’t over spend on too many things. About me: 27 years old, after my 401k, insurance, ESOP, taxes, I take home $1,370 biweekly. So let’s say 2,740 monthly. Car and insurance are $370. I split rent with my girlfriend which is $6…

Reddit Personal Finance 160 2023-07-06

Credit Card Financial Hardship – Does it impact credit score?

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Credit Card Financial Hardship – Does it impact credit score? Hi! I was offered a 9.99% APR by Discover as I am experiencing financial hardship. They mentioned that the account will be “SUSPENDED” during this time. I did the same thing with Amex CC but they offered 7.99% with account active status for 12 months. Discover offer is for 6 months with “SUSPENDED” state. I would like to know if it affects my cr…

Reddit Personal Finance 114 2023-07-06

Paying off credit card more than once per month?

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Paying off credit card more than once per month? Hello! I just got my first credit card and I have a question about it. I understand that I should keep my utilization below 30%. I read somewhere that it can be helpful to pay off the card multiple times during the month to keep utilization low. Is this true, or is the amount used with the card still tallied up per month? I have a Chase Freedom …

Reddit Personal Finance 142 2023-07-06

Should i Paydown My Car Loan Debt Or Payoff Credit card First?

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Should i Paydown My Car Loan Debt Or Payoff Credit card First? Hello I Very recently just got out of a bad relationship moved back in with parents to pay down debt to start over. My Credit Card Debt is 9,293 at 26.74%. my car loan is 33,404 at 7.89% 96 months which is horrible I know. I bring home after taxes and insurance deductions 2578 a month after the min due on both and a gas budget and ETC I’m left w…

Reddit Personal Finance 208 2023-07-06

Spouse has credit card debt that I want to pay off but we file separately due to student loans. Can I do this without having to pay a gift tax?

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Spouse has credit card debt that I want to pay off but we file separately due to student loans. Can I do this without having to pay a gift tax? My wife and I file separately to keep her income based student loan payments low. She is working for the government so they will forgive her loans after 10 years of service and the savings for us would be substantial. However she also has substantial credit card debt from some earlier hardships and unforseen events. We just sold our house and m…

Reddit Personal Finance 129 2023-07-06

Unauthorised charges on my account but I have the physical card and it’s never been used?

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Unauthorised charges on my account but I have the physical card and it’s never been used? Racking my brain trying to figure out how this has happened: For the last 9 days, someone has been on a very fun binge using my debit card details which is linked to my mortgage offset account. Unfortunately as this is my mortgage offset account with a completely different bank to the one I use for my daily spending, I don’t check it daily, on…

Reddit Personal Finance 174 2023-07-06