Question: How often should you use balance transfer offers?

Answer: Use balance transfer offers with caution. Many of these offers are only for a limited time only so be sure you will have the amount you transfer paid off before the time period expires. If you do find an offer that is for the life of the balance be awar

Question: Can you use a debit card as a credit card without your PIN number?

Answer: Only if it is a "check card." Debit cards require a PIN number, but many banks have switched to check cards that can be used as either a debit or credit card. To find out for sure, next time you use your card, hit the "credit button." If it's a check card

Question: Is a retailer responsible for fraudulent credit card charges?

Answer: I'm not sure about your particular case, but I know that unlike consumers, retailers are generally liable for check/credit card fraud. I know of a particular case where Home Depot took the loss for an unauthorized $3,000 credit charge for a generator purc

Question: Can your request a list of charges from your credit card company?

Answer: Most credit card companys (atleast the higher up ones like Capital one) will give you a list (by email, or through mail) in a statement to show you your history. however this will not show your COMPLETE history maximum is 1 to 3 month depending on credit

Question: What should you do if someone is trying to get a credit card in your child's name?

Answer: Credit card fraud /is/ a crime. If you know which company contacted you, I would get in touch with them and let them know what you suspect is going on. Otherwise, I guess you could contact the police or maybe even the FBI. Not only would this be credit

Question: If you cancel a credit card without activating it will it still appear on your credit report?

Answer: No, in order to actually use the credit card you need at activate it. But many years ago when they just sent you the cards, I was 18 years (this was 1986) I got a Lazurus credit card, I never used it, just hung on it "in case". Well I just bought a house

Question: When a credit card has different balances and interest rates can you choose which balance to pay?

Answer: Probably not, unless you can find something in your contract that will allow you to do this. The card issuer is going to apply all payments to the low-interest balance and let the high-interest balance continue to make money. It's best to use those low-in

Question: If a 16 years old student had a young person card but he is now 18 when can he get a credit card?

Answer: Once 18 this person may Apply for any credit card (at first few will accept) once this person sets a good credit line other companys will be eager to pre-approve this person.

Question: Does having more than one credit card hurt your credit?

Answer: Yes. Every time you apply for a credit card it shows on your credit report...having a lot of these is not in your favor..

Question: Can a credit card company garnish wages without taking someone to court first?

Answer: No.