Jill Kane asked:




It is the norm for all credit cards to have a series of numbers which is unique to your card and along with it a smaller series which tells you when your card will expire. Credit card companies keep track of your card use through these numbers. One would do well to ask why the card has to expire at all. The foremost reason for this is that your card has a magnetic strip behind it that wears over time with use. At some point this magnetic strip is going to be unreadable by the machines.

When a card is due to expire, the concerned card company informs the card holder. This way they maintain customer contact and in the process also discuss problems and suggestions if any. It keeps the connection between the card company and the customer going. These things go a long way in helping the companies keep their clientele as competition in this field is as stiff as in any other.

Another reason for expiration dates is the security of the card holder. There is potential for fraud in every financial industry today and credit card fraud is very prevalent. Someone might have a card issued in his name without his knowledge and it could be running up huge bills. The need to renew a card on certain dates minimizes problems like identity theft.

Card companies are usually very keen on keeping people on as their customers and so usually one month prior to the expiration date on your card a new one comes to you free of cost. For travelers whose card might expire while they are away, prior intimation ensures the card comes to you ahead of time so you can use it wherever you are.

Once you receive your new card, be sure to read the literature that comes with it. Check for anomalies if any, contact the company for discrepancies, and wait until all the issues are sorted out before using the card. Remember that the company needs you, not the other way around. So if you want terms changed, tell them so. And tell them why. More often than not, you’ll find they respond favorably.

visa credit cards

Shirannnnn. (: asked:


I need to check around the last 20 things purchased with my Visa card.

visa credit cards

Morgan Hamilton asked:




Getting a visa card, whether your first or your fifth, is an exciting prospect. Filling out the application can be just as nerve-wracking as getting the card is exciting. Several things can improve your chances of getting that all important visa card credit application approved including complete and truthful information, knowing what cards are out of your credit range and applying for a secured card if you can’t get an unsecured one. What follows is a look at the things you should pay attention to when filling out your visa application.

1. Know the requirements before applying for a card. Know the criteria for getting a credit card at all. First you must be eighteen. Next you must have a steady income or be a full-time student who has some dependable source of income.

2. Don’t apply for cards out of your league. Many of the online directories for credit cards will show you straight out what type of credit you need in order to qualify for that card. If you know your credit is less than perfect, don’t apply for a visa card that requires excellent credit. By concentrating your efforts on visa cards that match your current level of credit rating, you have a better chance of getting your visa credit card application approved.

3. Fill out all of the information required. Many times applicants will skip over questions they don’t know or don’t want to ask. Don’t try to hide anything by leaving a section blank since that will only result in you getting declined for credit. If a question is asked that you don’t know off-hand, hunt up the information rather than risking a rejection from the credit company.

4. Be Honest. Some people think credit card companies ask question on the application and then don’t check whether the answers are true. Nothing could be further from the truth. Know that every application is followed up with a complete credit history check and income verification process. You won’t be able to fool anyone so don’t bother trying.

5. If all else fails, apply for a secured visa card. A secured visa card is an excellent way to build up credit when your credit score is so low you can’t get an unsecured visa card credit application approved. A secured card will require a small monetary deposit to back up the credit limit on the card, but it will get your foot in the door.

visa credit cards

Distance5473458 asked:

Looking for a personal credit card? Visa credit cards offer the best value, security and convenience for your money For additional information about Annual Percentage Rates (APRs), fees, and other costs, see the Summary of Credit Terms.Find Credit Cards with the Lowest APR Possible and Compare…

visa credit cards

Shahid Khan asked:




American Express Credit cards made their presence known in the financial jungle in the early 50′s. Visa and Master Card also came into the scene around the same time and served the same market segment – Credit. There soon developed their own model for serving the market and established themselves as leaders in the credit card providers the world over.

While American Express or AMEX as it is popularly known in the European countries has grown to be the most widely recognizable of credit cards and is a name that describes exclusivity in a way. However, not many credit card holders throughout the world know the difference in the three major players in the credit card industry. Actually there is no difference between Visa and Master Card, the main difference is between these two players and American Express credit cards – The major difference is in their style of operation.

Visa Card and Master Card are primarily methods of making payments. These are tow financial companies that have grown into institutions by themselves. They negotiate and setup payment systems at different merchant locations across the globe but never issue any credit cards themselves. Visa and Master Card set up business partnerships with merchant establishments where customers can use the credit cards and banks or financial institutions that actually issue credit cards to their customers. Visa and Master Card make the payment to the merchant establishments where the cards are used and charge the company that actually issued the card to the customer a fee for making the up front payment on their behalf. The card issuing company on its part charges a fee for issuing the card, an annual rental for the card and an interest on the amount of payment paid out to the merchant establishment.

These credit card companies are billed by Visa or Master Card and they in turn bill the card holder. The holder never pays any cash directly to Visa or Master Card.

American Express is different in that they have an entirely private setup. They issue their credit cards under their own name and logo. They also directly make payments to merchant establishments where the card is used. American Express do their own marketing of services to merchant establishments and card customers. The other difference is that American Express has a limited usage through the world while Visa and Master Card are accepted at over 20 million merchant establishments in over a hundred and fifty countries.

visa credit cards

Missy asked:


Okay I got a credit card by mistake about 2 months ago. It was a Bank of America Student Visa Credit Card. I nothing about history so when I got the card I cut it up and closed it over the phone. I never used it. My aunt told me later that it would hurt my credit and that I should have left it opened. I did not know because I know nothing about credit cards. Will my credit score go down? If so, by how much? Please be detailed. I know nothing about this stuff.

visa credit cards

solvei83227 asked:

www.FullAccessPrepaid.com If youre looking for credit cards bad credit, get approved today! No credit checks required! From online bill pay to better banking solutions, a prepaid Visa or MasterCard gives you the flexibility you need without the hassles. Get approved instantly at the click of a button! FullAccessPrepaid.com is the source for credit cards bad credit.

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channelmf3D asked:

Read more at invest-money-stocks.com Consumers believe retailers benefit far more from accepting credit and debit cards than they pay in costs, according to a new survey released today by Visa Inc.

visa credit cards

eHow asked:

Western Union offers prepaid Visa credit cards with no credit check by allowing consumers to pay a Western Union representative to generate a prepaid card. Find out about the large fees associated with Western Union prepaid credit cards withinformation from a registered financial consultant in this free video on credit cards. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC

visa credit cards