Katie H asked:


I returned an item to a store which I had purchased with one credit card. In the mean time I had canceled this card. When the clerk went to credit me she said she could only credit back that card, not the one I had to replace it. Was this just this stores policy, or is that just the way things are?

Johnny

amy z asked:


I have the Citibank Platinum Dividend (not the Student version) card with a 18.99% interest. I think it is ridiculous to have a 18.99% APR. I have a great credit history although it is rather short (I am 21/student and started this card at age 18).

I have never been late and I always pay in full so it never really mattered to me. But I feel, after proving myself a responsible credit user for 3yrs, they should cut me some slack. My credit limit goes up every few months (almost $20,000 now) but the APR never goes down!

I called about it and they said there is nothing they can do now but call again in 2 weeks. This is the only request I’ve made in 3yrs. Should I just dump Citibank and go with another bank? I’m afraid my credit score would go down since this is my longest-running card.

Advice?

Denise

Jacquelyn C asked:


My elderly parents have a credit card through JC Pennys. Recently Pennys cut their limit which is going on right now with a lot of companies. However they cut their limit below what they already had on the card and are charging them over limit fees. My parents have never been late on a payment. What can be done about this? Who do you call?

Tiffany

oh asked:


I am a college student trying to establish credit and am looking for a card with a low fixed interest rate. I don’t know where to look because there are so many choices out there. Are there any suggestions on a card or on a range of fixed interest rates that i should look for?

Bryan

BlackDahlia asked:


I don’t understand why if you give a bank money up front, and that’s your limit on the card, why they have to pull a credit report? Is there any way around? The reason I don’t want a report pulled is I’m trying to raise the score, but it’s already been affected negatively by too many inquiries.

Carol

asked:


I purchased a laptop from Dell last year with my Dell Preferred credit card. I would like to write the laptop off on my taxes, because I am a part-time graduate student that take classes online. Could I claim it on my taxes if I purchased it with a credit card?

Dorothy

Sheraton, not Hyancith’s Son asked:


One I know is that merchants are charged for using a credit card service but are they charged for using Debit cards?
And in some situations, if one pays in cash or Debit they will give the customer a discount.

Nathaniel

I.B. asked:


I want to order something online. Is there a way you can order something without a credit card? I don’t want to ask my parents because they will say say no. They always say no. A few months ago I used their credit card, but I didn’t get caught. When the credit card records came, I blamed it on the item they bought a few days ago. Or is there a way to order something, but it won’t show on the credit card records? and can you have a credit card before age 18?

Rhonda

*J asked:


I have pending charges on my credit card account which will make me go over my credit limit by 1 dollar. If i make a payment before they are no longer pending charges will i still be charged fees and will my APR go up?

Kelly

Cassandra B-K asked:


I’ve applied for credit cards everywhere, but all of them turn me down because I have insufficient credit history. My husband however can get a credit card. We would really like to build up our credit so in the future we have a chance at good mortgage rates. If he gets a card and puts me on it so that I have one will this increase my credit history and thus my credit score?

Monica