money blog

These are useful and collceted by Anne!
Question: Closing credit cards that are paid in full and not using?
I have a few credit cards that at one time I used but not longer use because I try to keep a 0% interest card and use that.

My question is should I close these cards? They all have balances on them but I do not want to hurt my credit score by doing this.

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Q&A: Can Visa/Mastercard Gift Cards work as a Credit card to buy stuff online?
I am planning to buy some stuff of the internet, but I do not own a credit card. I was told Visa or Mastercard Gift Cards can work like a Credit Card, but they say Debit Card on the card. Will a prepaid Gift Card work if the Only pay option is Credit Card, or does it depend on who your buying it from online? So please only respond if you have attempted this. Thanks.

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Question: I collecting all the credit cards issue in the united states, which one am i missing?
I already have visa, mastercard, american express, discover, diners club, and JCB. Are there any more credit cards?
Please don’t mention credits cards issue by department stores like JC penny or cards issue by other companies like Capital one or CHASE.

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Question: What to do with bonus- pay the credit cards or make an investment?
we never live with credit cards before. and now we have 5000$ on our credit cards that we cant close . we are doing a min paymant every month and trying to pay more than that. we will have a bonuce 7000$ at the end of the year. will it be beter to pay to credit cards at onece. or there is another way to pay credits(and put this bonus on investment).
I read about calling to creditors and talking with them, so they will give a 10-20% of if we will pay it atonce, but will it afect in bad way to our credit report.
Sorry for wrong English writing.
Will caling a creditor afect on credit report badly?

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These are useful and collceted by Anne!
Question: How much available credit should a person have via credit cards?
Is there a financial guideline, rule of thumb, etc. for how much credit a person should have via credit cards? I am a responsible user and pay off my balances every month. I often wonder how much credit I should carry beyond my regular spending patterns. Should I keep as much as possible for an emergency, or should I streamline and eliminate extra cards/credit due to the risk of identity theft?

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Question: Are my different credit cards on paypal optional when buying an ebay item?
If I have two different credit cards on my Paypal account, can I pick which one I want to use when I buy something on Ebay? Or do I have to use the first credit card I added?

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Hi,my name is Anne,I did the following:
Q&A: What’s the best merchant service for processing credit cards online?
I want to be able to accept credit cards. Take down my clients card number and be able to charge it online w/out a card reader. I also don’t want to use paypal or goggle. And the rate should be the same for personal cards as well as business credit cards. Thanks for the help.

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Anne edited the following
Question: Can i get information on credit cards, like the average number of credit card transactions by users?
So, for instance what are the number of people carrying 3 or more credit cards? what was their average transaction per month? what was their credit card balance?

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Anne edited the following
Q&A: Is it true that some credit cards can damage your credit even if you pay fully and on time?
I heard somewhere that some credit cards can damage your credit even if you pay on time and more than the minimum balance. Is this true? What kind of credit cards would be like this? Thanks for your help!

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Anne edited the following
Question: What advantages and disadvantages do credit cards and a debit card?
I need help i need to know what are the advantages and disadvantage between these two cards a debit and a credit card.

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