Refunds and Merchant Credit? Hey everyone! I’m helping a friend’s shop (retail clothing) and been thinking about how to address refund requests. Seems like they’re necessary bc of sizing issues or not happy w/ look. Exchanges don’t always work so curious—how if anyone is strategically using store credit to lock in customers and keep cash on hand? Would love to hear if anyon…

Getting out of credit card debt I have been disabled since 2017. I worked here and there but my health issues always came back worse than ever so I would have to cut back on working. I started attending college online so I could at least be working towards something and got a WFH job June of last year. While I make a decent income now, I have probably close to $100,000 in deb…

Is it worth freezing credit if I am a former international student in America I was an international student in America in the past, and now I am back in my home country. I was a grad student and received a SSN for working at the school. I don’t know if that number is still active or anything. Also, I have an American bank account and credit card from those days, and still use them for online purchases from time to time. …

Costco Members: 32″ LG UltraGear 4K 240Hz OLED Monitor + $150 Gaming Credit $1000 + Free Shipping Costco Wholesale has for its *Members:* *32″ LG UltraGear 4K 240Hz OLED Gaming Monitor* (32GS95UE-B.AUS) + *$150 Digital Credit* (towards your choice of EA Play, Google Play, Microsoft 365, Roblox,…

Stuck in a Credit Card Cycle This month, my credit card bill was quite high ($420). With my salary of $579, plus the $140 in child support that I have to pay, I would be left with almost no money until next month. That would force me to rely on my credit card to cover my expenses, which could put me in the same situation again. I currently live with my parents, so I don’t h…

will i destroy my credit score if i do this i’m 28, single, living independently ever since i graduated college 5 years ago. i’ve never been super rich but i always had enough, until the last six months or so. i moved across the country and basically all my savings are now gone. my new area is HCOL and im just not keeping up on a teachers salary. i am living paycheck to paycheck and nearl…

Credit Card Utilization Hello, I just opened two credit cards for the first time to build up my credit. So I’m treating it like a debit card and will auto pay everything off each month. My question is regarding utilization rate. Let’s say my credit limit for the two cards are $1000 each. I’ve read that having a utilization rate above 30 percent is bad. So that means I …

8-Pack 124-Sheet Puffs Facial Tissues (Various) + $10 Amazon Promotional Credit 3 for $37.85 w/ Subscribe & Save + Free Shipping Amazon has *8-Pack 124-Sheet Puffs Facial Tissues* (Various) + *$10 Amazon Promotional Credit* on sale *3 for $**37.85* when you follow the instructions below. *Shipping is free*. Thanks to…

If you want to consolidate your credit card, avoid Credit Associates. For 2yrs, Credit Associates, made over $12,000 from me. After telling me to stop making my credit cards payments, because they wanted me to starved them. I followed their advice and every 2 weeks they take $267 from my bank account. In between, they would call and say they need more more money because my account was low. A year after I joined wi…

I have an unexpected ~$10,000 emergency expense. I can pay it, but I wouldn’t much left in emergency savings. Should I get a credit card? Hi, so I’ve only ever had two credit cards with different reward types. I have had them for 10 years. In all this time, I have never carried the amount on them forward to the next month. I make payments on them, enjoy my cash back, and pay them off at the end of the month. I have an unavoidable expense, in the $7k-$10k range. I could pay it off …

Credit One Bank Issues Has else had the following issue? I just initiated arbitration behind it. Closed my account in November with a zero balance (didn’t use the card anymore because my credit is substantially better than when I got it). Somehow, they messed up and didn’t close the account despite telling me they did. They kept charging the monthly “annual” fee. I th…

How should I handle this credit card issue? I am having some problems surrounding a credit card that I’m on and don’t have any access to. Several years ago my mother added me to a credit card account without asking me first while I was still a minor to “help teach me and build my credit”. I told her that I didn’t really want to share an account with anyone and I would get my own when I tu…

Should I sell my foreign stocks to not deal with the foreign tax credit next year? I purchased some “recommended stocks” on reddit and when I did my 1099-div, there was a line for foreign taxes to the amount of $2. Went through turbotax and after all the calculations were done on my 1099-div, it said they saved me $1 for foreign credit tax. I’ve never seen it before and I’m thinking of just selling all my foreign stocks so I d…

Trying to fix my credit after 5 years, not sure how to go about it. Before the pandemic, I had about three credit cards. Then I was laid off around March 2020 and had some medical bills that resulted in me being unable to make payments on those credit cards. In the end, they all defaulted and my credit score tanked. The total debt accrued was about $8,000 between the three cards. I’m finally at a point financi…

Credit card money owed? I think I bank with suncoast and i just wasnt too sure about some things Wish this community let me use screenshots but My credit card has a $5k limit Currently have a “balance” of $1231.96 and available balance of $3768.04 I just put $120 to my credit card and the “balance” didnt change but my “available balance” went up $120 to $3888.04 Why does my a…

Cash, debit or credit for large purchase in Europe? I’m traveling to Greece from the US next month and am planning on making a large purchase there (4,000 Euros). What would be the best method of payment to use? The vendor accepts Master/Visa Card or cash. Whether I use my card or currency exchange am I pretty much stuck paying the 3% conversion fee? submitted by /u/SmartAlec1512 …

how do you pay off credit card debt efficiently? Hello I’m M (33Y.O) i have about 18k debt right now, I have 2 jobs.. 1st job i make almost 4.1k/4.2k and the other job i make 2.7k./2.8k per month, so overall i get around 6.8/6.9k = month…… now my monthly expenses are car = 600$/month car insurance = 200$/month 3 phone line + internet = 200$/month storage = 110$/month apartment = 1,700/mont…

Mother is 25k in credit card debt My mother is 67 and seems to be addicted to spending. She is depressed and treats it with food and frivolous spending. I have tried to get her into therapy to no avail. She will not take care of herself. I just found out that she is 25k in credit card debt, and it keeps growing. She also has a car note (11k at 6.8% interest rate) She has about …

Pay Off One Credit Card (of Two) w/ No Emergency Fund Hi all. This might be a simple question? I have $5000 in the bank. That’s all the money I have in the world. One of my credit card debts is $4000. (The other is $10,000.) Is it best to just dump $4000 into that first debt right now and have it clear? It seems wise to be rid of it, but it feels so wasteful at the same time to just get rid of esse…

Hackers Use Google Tag Manager to Steal Credit Card Numbers via @sejournal, @martinibuster Hackers are using Google Tag Manager to load malware into Magento sites, stealing credit card numbers during checkout The post Hackers Use Google Tag Manager to Steal Credit Card Numbers appeared first on Search Engine Journal.