My bank wants to lower my credit limit on my credit card. Will this impact me negatively?

Adam BarnesDec 02, 2018

I have a credit card upon which I buy my day-to-day purchases, and pay off in full every month, in order to build a credit history. I have a credit limit of £4050. My...

Make large Amazon purchase with 5% cash back or gift card balance?

PeteDec 02, 2018

I’m an Amazon prime member, and I have their 5% back credit card. I’m also recently engaged, and after two wedding showers we have a $1000 Amazon gift card...

What does the negative balance number mean?

MarinaDec 02, 2018

My credit card has a negative number but my credit limit has not been exceeded. Do I owe that negative sum to the bank? I have only spent 26$ since I made my last...

Best way to build a credit history for a graduate student in the US

user400261Dec 02, 2018

I’m a first year graduate student in the US, and I’m considering several options to start building credit history. 1) Apply for a local credit union secured...

Authorized user on Lowe’s credit card (only credit history besides phone bill) how will this affect me when applying for an auto loan?

Erin LargeNov 25, 2018

I’m 18 with a credit score of ~719. My grandfather added me on his Lowe’s credit card ($8,000 limit). He’s had this credit card for over two years and it shows up...

How much effort (and why) should consumers put into protecting their credit card numbers?

MehrdadNov 25, 2018

The more I think about it, the more it seems to me that credit card information is among the least worrisome type of personal information belong to any consumer. If...

What should I do if my credit card company isn't debiting my bank account even though they're crediting payment?

Frank QuarryNov 25, 2018

I’ve been paying my credit card every month at the company’s website. They credit me, but never debit my bank account. My bank says the requests are never...

Credit card purchase and retailer math error

farnsyNov 25, 2018

I recently made a large purchase and the retailer made a math error and wrote down the wrong final price on my invoice/receipt (the top price was correct, but when they...

In what countries can credit card merchants use address verification?

miernikNov 25, 2018

Usually when you pay with a Visa or MasterCard online you have to provide a billing address. Many online shops, especially from the United States, will only send...

What are my best options if I don't have a lot of credit lines for housing loans?

user52829Oct 27, 2018

I’ve been denied for a pre qualify loan by Bank of America for a house recently due to having insufficient credit lines. I do have a credit score that is good and...