credit card merchant
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Help - Which Credit Card Should I Get?
Asked by A.J. from Dallas
on April 3, 2006
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Hi Moms,
I have to get a credit card and I have never had one before (don't believe in them at all) and I have no idea which one to get.
Is there one that is bet...
Answers
- A., I have no idea how old you are but after working for 4 years in a credit card collections department I think it is absolutely outstanding that you are asking th...
- I like Discover. You can get cash back rewards, they have a low APR (which is annual percentage rate, or what they charge you on your balance.) My best advice is to d...
- I would suggest you check with your bank first. Normally a bank will offer a credit card that you can pay directly from your bank account online. Also, the APR is norm...
Accepting Credit Cards
Asked by R.S. from Dallas
on September 21, 2010
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I have just started a business and need to accept credit cards. Does anyone know what is a good option to sign up and accept credit cards for business with good secur...
Answers
- I would NOT accept American Express. I was told it has the highest fees. I have heard similar complaints about Discover. Master Card and Visa are the most popular an...
- It depends on whether you want go use it at a storefront, or if everything is done electronically (selling on a website, etc.) We go through PayPal.. it gives peopl...
- 100% go PayPal! Seriously. It is much better to pay for internet access than the privilege of using that credit card machine...
Credit Cards Not Working Overseas?
Asked by A.V. from Washington DC
on June 30, 2011
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I saw this:
http://www.msnbc.msn.com/id/43582483/ns/business-consumer_news/t/us-credit-cards-may-not-always-work-overseas/
Anybody with recent UK experience who...
Answers
- Interesting...I just returned from a week in France (late June 2011) and had no issues. I was in the UK in 2009, Germany in 2010 and had no problems. I have never noti...
- I just got back from Germany, and we ran into this problem once. But we were mostly using ATMs and paying cash because our bank doesn't charge transaction fees, so it...
- If you talk to your bank you should be able to get a card that works. Then you can use it just about anywhere. At the atms you should be able to get a better rate if...
Do You Use Debit or Credit?
Asked by N.N. from Detroit
on December 1, 2011
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When you make a purchase at a store and asked if it is debit or credit Which do you swipe and why?
I always use debit and I am wondering is that the best.
Answers
- I used to do credit because I got money at the end of the year. It was awesome. Then, many of the merchants I frequented quit participating in that program and now it'...
- I use debit so it will come out right away, but I try to use it as credit when I think of it because my bank gives me points toward stuff. Right now I have enough poi...
- I do debit since it shows up instantly in the online banking and I dont have to wait to sign a piece of paper. I use BofA and it automatically rounds out the amount a...
Debit Card Questions and Opinions
Asked by M.C. from Detroit
on June 9, 2011
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I've been reading all these articles about retailers being charged when consumers use their debit cards and eventually these charges will be passed on to the debit car...
Answers
- Not exactly what you asked, but I'm going to throw it in anyway. I always use my card as "credit" because when you run it as credit you get the same fraud protection ...
- A law has just been passed which PREVENTS banks from charging the store a fee when we use our debit card as a credit. I actually just got a letter from my bank about t...
- It costs more for a store to handle a check than it does the debit card. Keep swiping. Big Brother will always make sure to charge business owners for doing business...
Mom Business Owners- Do You Take Credit Cards?
Asked by M.M. from Chicago
on March 31, 2010
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Hi moms,
Do you have a business and do you take credit cards? If so, do you use Paypal, a bank credit card machine? I would like to take them over the phone and am...
Answers
- We just started using Authorize.net to process credit cards. You still have to find someone for the credit card processing and get a merchant ID but after that you get...
- Hello, I tried taking credit cards for my small business last year, and the fees were way worse than dealing with paypal. There was a setup fee around $160, and then ...
- Use paypal, it is so much easier, easy to set up too.
Transferring Money to Child, Protecting Credit
Asked by J.P. from Houston
on August 13, 2009
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My college-aged child lost his wallet, credit card, debit card, drivers license
when at a gas station while travelling. He called me to track down the telephone
n...
Answers
- We went through this recently. The others are right about Western Union for the immediate cash. Regarding the drivers license, the DMV told us to come in and get a...
- Hi J., Western Union is probably your best bet for getting money to him quickly. As a victim of identity theft (and believe me, I have been through it all), here...
- You can transfer money from a Wal-Mart to a Wal-mart. They are everywhere so it's very convenient. It's also very simple. Good luck!!
Should I Accept Credit Cards for My Small Business?
Asked by D.H. from Dallas
on July 25, 2009
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I have a seasonal business selling personalized Christmas ornaments. I sell at bazaars, craft shows, and through word of mouth.
I have been selling accepting cash/...
Answers
- Hi D., If you decide to accept credit cards, you might want to check out Costco. I just got the August 2009 Costco Connection magazine and they had an ad for their...
- Hi D., You should absolutely accept credit cards!! You are losing sales if you do not! I use www.propay.com They have a really cool card reader that I used at cr...
- Hi D., I have a home based business selling personalized music/storybook cd's; alarm clocks and labels for children. I've been using propay for almost 4 years. I t...
Gift Card Problems w/Target and Visa Bank Cards - Beware
Asked by N.O. from Chicago
on December 3, 2007
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Hi All,
We have lots of teens that we purchase gifts for - and most of them would prefer gift cards. We also use gift cards for employee prizes at our company funct...
Answers
- Hey there..oh how I know the hassle that you are talking about with these sorts of cards. I just wanted to let you know what I have figured out with them. I work at St...
- I think I've kind of had it with the whole gift card concept. I've given many of them myself, but the excitement over the idea has worn off for me. Not to seem ungr...
- We can make it easy. Don't shop at Target. They don't support our veterans!
Back to School and Teenage Shopper.
Asked by M.Z. from Seattle
on August 30, 2008
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Normally at this time of year I'm able to give my teenage kids cash for their back to school needs, but not this year. My queastion is since my son is 17 and going sho...
Answers
- You would be better off getting him a bank card with a cash limit with his name on it. I know that I was would still be if I worked retail one that would not let that ...
- Or you could buy him a 'mall gift certificate'. Most shopping malls have these that are good for every store within the mall. That way you can set a spending limit in...
- I work retail and we're not allowed to accept parent's credit cards from teenagers. In the event that the card is taken without the parents knowledge and they dispute ...
