• When will retail customers understand that cashiers can get in trouble when they say no to a credit card?

    Not that one “no” would get us in trouble. I mean, I work at a TJ Maxx and we have goals, like 7 per day, or 35 per week. If we fall short one week, the goal goes higher the next week! We have to stay within 1 percent of our transactions for a 3 month period or else we get a warning, placed under formal counseling... show more
    Not that one “no” would get us in trouble. I mean, I work at a TJ Maxx and we have goals, like 7 per day, or 35 per week. If we fall short one week, the goal goes higher the next week! We have to stay within 1 percent of our transactions for a 3 month period or else we get a warning, placed under formal counseling if we fall short again the next 3 months, and fired if we fall short in the next 3 month period! The majority of our customers are regulars that already have the card, so obviously we’re not going to ask them. But when I do ask other customers, I usually get people who just chuckle and say, “No thank you, but I know you have to ask.” Sometimes, they even cut me off mid sentence with a quick enthusiastic “No”! The higher ups even forced an even stricter policy on us, saying we need to get 1 card by 1:00, and another by 3:00, or else our names go into a report! And most of the customers I ask aren’t exactly smart with credit because they’re always worry about the interest rate, which is 22 percent. Which I think implies that they’ve been frequently late on their bills and other credit cards they might have!
    9 answers · 9 hours ago
  • I got scammed into buying 6 gift cards?

    I saw a charge on my Bank account that was Unknown. So I called up fake number I didn’t know was fake it was a guy wanting to be from Apple he told me in order to get rid of the charge I have to get three iTunes gift cards for $100 and three Google server cards for $500 so in total less than $1800 dollars I... show more
    I saw a charge on my Bank account that was Unknown. So I called up fake number I didn’t know was fake it was a guy wanting to be from Apple he told me in order to get rid of the charge I have to get three iTunes gift cards for $100 and three Google server cards for $500 so in total less than $1800 dollars I disputed it with my bank and they gave me $1800 temporary credit when my claim be denied? I know I made the purchase but I told the bank that I didn’t because I thought I would get the fraud charges bathroom I’ll co I know I made the purchase but I told the bank that I didn’t because I thought I would get the fraud charges removed from my account. So will I be able to keep the credit based on other people‘s experiences I’m curious to know
    10 answers · 1 day ago
  • Can my wife take out a personal loan to gift me as a down payment on a house?

    I am taking out a loan in just my name because my wife won t qualify. Trying to get down payment together and I am curious if since she isn t on the laon if she can take out a personal loan to gift me as down payment.
    I am taking out a loan in just my name because my wife won t qualify. Trying to get down payment together and I am curious if since she isn t on the laon if she can take out a personal loan to gift me as down payment.
    15 answers · 3 days ago
  • Will a late payment on credit card hurt my credit score?

    Ive had my credit card for a year and I’ve never missed a payment. I’m trying to build my credit by paying my credit card, phone bill, car note and car insurance. This past month I missed my credit card payment which was my first time missing any of my bills. My minimum payment due was always $25 in which i always... show more
    Ive had my credit card for a year and I’ve never missed a payment. I’m trying to build my credit by paying my credit card, phone bill, car note and car insurance. This past month I missed my credit card payment which was my first time missing any of my bills. My minimum payment due was always $25 in which i always paid more, then it was $35 past due and now my minimum payment due was $81 I just paid it. Will this hurt my credit? thanks
    35 answers · 5 days ago
  • I got an email from MOORCROFT (debt collectors). I also got a text from C.A.R.S, but I do not have any debt. What shall I do?

    The email from Moorcroft said they are working on behalf of my motorbike insurance (they mentioned the correct company I'm with). But I paid for that in full months ago. I even went to my bank to confirm the money went out. The text I got from c.a.r.s said to call them and gave me a reference number. I got no... show more
    The email from Moorcroft said they are working on behalf of my motorbike insurance (they mentioned the correct company I'm with). But I paid for that in full months ago. I even went to my bank to confirm the money went out. The text I got from c.a.r.s said to call them and gave me a reference number. I got no letter from either of these companies or voicemails. Please advise me. I'm a little bit scared. What shall I do? I have no debts. Thanks for polite answers
    5 answers · 6 hours ago
  • How to improve credit rating?

    I have bad credit score of 555 and 560 I was thinking of opening secured card with Citi bank the minimum deposit is $200 I thinking about applying with a deposit of $2000-$10000 will that be better than the minimum of $200? Btw I only had one credit card years ago with capital one and they closed it for failing to... show more
    I have bad credit score of 555 and 560 I was thinking of opening secured card with Citi bank the minimum deposit is $200 I thinking about applying with a deposit of $2000-$10000 will that be better than the minimum of $200? Btw I only had one credit card years ago with capital one and they closed it for failing to pay after I lost my job! So any advice is welcome! I make about $1500-1700 a week net as self employed and don't have anything financed what are other small purchases that I can qualified for with my credit score and improve my ratings? Besides car which I have working one and don't want waist my hard money to impress others! Thanks
    8 answers · 2 days ago
  • What’s the minimum credit you usually need to get a car loan?

    I’m currently rebuilding my credit and I need a car, I’m currently at 550.
    I’m currently rebuilding my credit and I need a car, I’m currently at 550.
    6 answers · 1 day ago
  • Building Credit!?

    Im 19 years old. I have a credit score of 300 & im about $3,000 in debt! I plan on opening a "Self Lender" account with monthly payments of $150.00 also im opening 3 secured credit cards. Im paying off my debt all at once. Im going to pay all them on time & a little exrta. How fast can my credit... show more
    Im 19 years old. I have a credit score of 300 & im about $3,000 in debt! I plan on opening a "Self Lender" account with monthly payments of $150.00 also im opening 3 secured credit cards. Im paying off my debt all at once. Im going to pay all them on time & a little exrta. How fast can my credit go up?
    7 answers · 2 days ago
  • How to payoff AT&T Bill that was sent to ERC collections?

    I would like to know how can I get a collection of $1,500 paid off and cleared from my credit report. It was from a bill I had from AT&T that I failed to pay on time and ended up getting sent to a collections company called ERC - Enhanced Recovery Company. I checked my credit report through Credit Karma and it... show more
    I would like to know how can I get a collection of $1,500 paid off and cleared from my credit report. It was from a bill I had from AT&T that I failed to pay on time and ended up getting sent to a collections company called ERC - Enhanced Recovery Company. I checked my credit report through Credit Karma and it shows the collections debt by ERC and it’s really affecting my credit report. How do I pay itt off so it doesn’t show my credit report? Should I just contact ERC and pay them? Or if possible can AT&T get the collection back and I pay it back to them? I’m really confused and need some guidance?
    20 answers · 1 week ago
  • I m 17 and have a visa card from a bank...does this have credit aswell as debit?

    my father says it has credit on it, but when i look up laws concerning credit cards i must be 18 and have a steady income so i say it only has debit on it...thoughts?
    my father says it has credit on it, but when i look up laws concerning credit cards i must be 18 and have a steady income so i say it only has debit on it...thoughts?
    17 answers · 6 days ago
  • Do you think paying for a new car is a bad deal?

    Unless you are rich of course. In my opinion, the average middle class American should not buy a new car from any dealership because every year the value of the car goes down and sometimes breaks but you still have to pay the same amount for the next 6 something years. Also by the time you finished paying... show more
    Unless you are rich of course. In my opinion, the average middle class American should not buy a new car from any dealership because every year the value of the car goes down and sometimes breaks but you still have to pay the same amount for the next 6 something years. Also by the time you finished paying you've spent more than what the car was worth.
    15 answers · 1 week ago
  • Who paid off Brett Kavanaugh's debts?

    9 answers · 6 days ago
  • If you take payday loans out... what happens if you don’t pay it?

    Can you pay off a little bit at a time like a hospital bill if you settle it in court?
    Can you pay off a little bit at a time like a hospital bill if you settle it in court?
    5 answers · 3 days ago
  • How can I see what credit card transactions my grandson has made on his account?

    I have his user I.D. and password. I need to see what he bought when a charge came in on my credit card.
    I have his user I.D. and password. I need to see what he bought when a charge came in on my credit card.
    8 answers · 6 days ago