How can someone use my credit card when i have it

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Imagen","mtype":"Page","uv":"AH WLR_menu_desplegable_01">' > How can someone use my credit card when i have it

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                                                                                                                                              Get an instant answer to your question by viewing frequently asked questions about credit cards.

                                                                                                                                              PreguntaFrecuente","mtype":"SANAgrupador>Agrupacion","category":"ContentTypeSubtype","uv":"AH WLR_links_07">' > Can I use my credit card abroad?

                                                                                                                                              You can use your Santander credit cards abroad to make purchases and to withdraw local currency from cash machines as and when you need it, simply look for the Visa or MasterCard signs, and feel secure knowing that it's a safer option than carrying large amounts of cash or traveller's cheques.

                                                                                                                                              For further peace of mind, please tell us about your travel arrangements using Online Banking (Account Services), your nearest Santander branch or by calling us on 0800 9 123 123 (lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays). We’ll then be able to make sure your card isn't blocked when you use it overseas.

                                                                                                                                              PreguntaFrecuente","mtype":"SANAgrupador>Agrupacion","category":"ContentTypeSubtype","uv":"AH WLR_links_07">' > What are the fees and charges when using my credit card outside the UK?

                                                                                                                                              This depends on which credit card you hold with us and which type of transaction you make. The two kinds of transactions are:

                                                                                                                                              Making a purchase abroad or online in a currency other than sterling to buy goods or services.

                                                                                                                                              Withdrawing money (foreign currency) and buying traveller's cheques - Withdrawing cash abroad (either in a bank or at a cash machine), or buying traveller's cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Mastercard/Visa sign) in a currency other than sterling. Please note there is no interest free period on cash withdrawals and interest will be charged from the date of withdrawal

                                                                                                                                              The table below shows the charges on our credit cards when used abroad.

                                                                                                                                              Illustrative Cost Examples based on a €100 (Euro) transaction if using the 1I2I3 or All in One Credit Card.

                                                                                                                                              Illustrative Cost Examples based on a €100 (Euro) transaction if using the Everyday Credit Card

                                                                                                                                              ^ Mastercard exchange rate of €1 = £0.875944 as at 1 June 2017

                                                                                                                                              The exchange rates reflect the rate applicable when the relevant payment scheme (Mastercard or Visa) processed the transaction and not the date on which the transaction took place.

                                                                                                                                              If you are given the option of paying in either local currency or sterling, please make sure you choose local currency unless you are certain that the exchange rate is more favourable. If you choose sterling, it means that the retailer or bank will handle the conversion and may charge you a conversion fee, a foreign usage fee, or both.

                                                                                                                                              When you use your credit card to buy goods or services in a currency other than sterling, we will convert the amount into sterling using the exchange rate set by Visa or Mastercard (subject to card type) on the date the transaction is charged to your account, together with any applicable foreign usage fees as set out in the table above.

                                                                                                                                              The exchange rate used may differ from the rate that applied on the actual date of the transaction as exchange rates vary on a daily basis. The exchange rate used when the transaction is processed and the amount of the transaction in sterling after the application of the exchange rate will be detailed on your statement.

                                                                                                                                              A daily cash withdrawal limit of £300 applies, unless otherwise advised.

                                                                                                                                              PreguntaFrecuente","mtype":"SANAgrupador>Agrupacion","category":"ContentTypeSubtype","uv":"AH WLR_links_07">' > I would like to use my debit or credit card outside the UK. What do I need to do before I travel?

                                                                                                                                              Before you travel abroad make sure your contact details, especially your mobile telephone number are up to date.

                                                                                                                                              You can do this in three ways:

                                                                                                                                              Debit and Credit cards - 0800 9 123 123. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.

                                                                                                                                            • Update your details in your local Branch
                                                                                                                                            • You can also register for our text or email alert service to keep you informed of your finances while you're away. Learn more about account alerts

                                                                                                                                              PreguntaFrecuente","mtype":"SANAgrupador>Agrupacion","category":"ContentTypeSubtype","uv":"AH WLR_links_07">' > What should I do if I believe I'm a victim of a fraud or scam?

                                                                                                                                              Reporting a fraud or a scam

                                                                                                                                              If you think you’ve been the victim of a fraud or a scam, or are concerned about the security of your account, please contact us on 0800 9 123 123 – lines are open 24 hours a day, 7 days a week.

                                                                                                                                              Never disclose your security details such as your card PIN, a One Time Passcode (OTP) or security numbers (such as Online and Mobile Banking log on details). These are personal to you and shouldn’t be shared with anyone, not even a Santander employee.

                                                                                                                                              Never download software or let anyone log onto your computer or other device following or during a cold call. If you're ever asked to do this or are unsure about a message or phone call from someone saying they're from Santander, don't give any information and contact us immediately.

                                                                                                                                              PreguntaFrecuente","mtype":"SANAgrupador>Agrupacion","category":"ContentTypeSubtype","uv":"AH WLR_links_07">' > How do I pay off my credit card?

                                                                                                                                              You can make a payment in a number of different ways.

                                                                                                                                              Pay online directly from your account by quoting:

                                                                                                                                              Sort Code: 09-00-99

                                                                                                                                              Account Number: 01000007

                                                                                                                                              Reference: Your 16 digit credit card number

                                                                                                                                              Allow up to 1 working day for payments made through online banking to reach the account.

                                                                                                                                              You can send a cheque, payable to the primary cardholder, followed by your card number (for example: Mrs Smith 5286 8901 2345 6789) to:

                                                                                                                                              Santander Cards Limited

                                                                                                                                              Please remember to write your credit card account number on the back of the cheque.

                                                                                                                                              For payments by post, customers should allow 7 working days for their payment to clear once we’ve received it.

                                                                                                                                              You can pay at any Santander branch by cash or cheque using the payment slip at the bottom of your statement. Find your nearest branch

                                                                                                                                              For cheque payments, you should allow up to 7 working days for payment to clear. Up to 1 working day if paying in cash.

                                                                                                                                              You can set up a Direct Debit to pay the minimum repayment, a fixed amount or the full amount of your statement balance. If you would like to set up or amend a Direct Debit you can either call us on 0800 9 123 123, or, if you’re registered, use Online Banking.

                                                                                                                                              PreguntaFrecuente","mtype":"SANAgrupador>Agrupacion","category":"ContentTypeSubtype","uv":"AH WLR_links_07">' > My card has been lost or stolen/I think there may have been fraudulent activity on my account/there is a transaction I don't recognise - what should I do?

                                                                                                                                              To report a lost or stolen credit card or if you believe you’ve been a victim of credit card fraud please call 0800 9 123 123 (+44 1512 648 725 from abroad). Lines are open 24 hours a day, 7 days a week.

                                                                                                                                              PreguntaFrecuente","mtype":"SANAgrupador>Agrupacion","category":"ContentTypeSubtype","uv":"AH WLR_links_07">' > How do I activate my credit card?

                                                                                                                                              You can activate your credit card online by logging on to Online Banking or by calling 0800 783 7830. Lines are open 9am to 8pm Monday to Thursday, 9am to 7pm Friday and 9am to 5pm Saturday.

                                                                                                                                              Additional cardholders should call on the number above to activate their card.

                                                                                                                                              PreguntaFrecuente","mtype":"SANAgrupador>Agrupacion","category":"ContentTypeSubtype","uv":"AH WLR_links_07">' > What's my balance / what's my credit limit / how do I increase/decrease my credit limit?

                                                                                                                                              You can view your balance and credit limit online by logging on to Online Banking.

                                                                                                                                              You can also get this information by calling 0800 9 123 123.

                                                                                                                                              To request a change to your credit limit on your account call 0800 9 123 123. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.

                                                                                                                                              PreguntaFrecuente","mtype":"SANAgrupador>Agrupacion","category":"ContentTypeSubtype","uv":"AH WLR_links_07">' > How do I change my address and personal details?

                                                                                                                                              The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.

                                                                                                                                              If you have a joint account you can only change your own name and/or address within Online Banking. If both names and/or addresses need to be changed, both account holders must log on to their own Online Banking and change their own details.

                                                                                                                                              You can also change it by telephone or in branch.

                                                                                                                                              1. Online Banking (instant):

                                                                                                                                              Log on and update your details instantly from within the "My Details & Settings" tab.

                                                                                                                                              Choose 'Change personal details' from the left hand menu and then click 'Change address'.

                                                                                                                                              Enter your new details (including postcode) and follow the onscreen instructions.

                                                                                                                                              Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.

                                                                                                                                              2. By telephone (for current account and savings customers):

                                                                                                                                                • Call our Telephone Banking line on 0800 9 123 123. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.

                                                                                                                                              Complete a change of details form by

                                                                                                                                              Requesting a copy of the form by calling us on 0800 9 123 123. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.

                                                                                                                                              Collect a form from your local branch.

                                                                                                                                              Take the form to your local branch together with relevant account documentation:

                                                                                                                                              Your cash card, passbook or certificate and;

                                                                                                                                              Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport).

                                                                                                                                              If you would like to discuss our identification requirements please call us on 0800 9 123 123 and we will be happy to help. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.

                                                                                                                                              Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services' tab in Online Banking as they are not automatically updated when you change your details.

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                                                                                                                                              how can someone use my credit card when i have it

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Frequently asked questions

                                                                                                                                              Q. What are the benefits of using Online Account Manager?

                                                                                                                                              You can view your purchases, make payments and manage your Direct Debits online 24 hours a day, 365 days a year.

                                                                                                                                              Q. How do I register for Online Account Manager?

                                                                                                                                              Simply follow the instructions on the registration page, you’ll need your account number to hand.

                                                                                                                                              Q. What happens if I forget my username?

                                                                                                                                              Simply follow the instructions on the forgotten my username page to get a reminder of your username.

                                                                                                                                              Q. What happens if I forget my password and/or passcode?

                                                                                                                                              Simply follow the instructions on the forgotten my password/passcode page to reset either or both.

                                                                                                                                              Q. What is my password and/or passcode?

                                                                                                                                              You would have created a password and passcode when you first registered for the Online Account Manager. If you have forgotten these, click here.

                                                                                                                                              When making payments please always quote your account number, this is the 16 digit number found on the top right hand corner of your statement. You do not need to contact us to confirm receipt of payments.

                                                                                                                                              You can pay your account using any one of the following methods:

                                                                                                                                              • By Direct Debit - You can set up a Direct Debit to pay the minimum payment amount, the full balance or a fixed amount on your card automatically every month (Remember if fixed amount selected this should cover the minimum payment and if it does not, we will always collect at least the minimum payment). You can also set up a Direct Debit using the Online Account Manager under ‘Payments & transfers’. Alternatively, you can call Customer Services
                                                                                                                                              • By Internet or Telephone Banking - You'll need to provide your bank with our sort code 09-01-09, our account number 01000007, and your account number.
                                                                                                                                              • By Telephone - Call Customer Services to pay using a debit card, you can also pay using our automated service and select option 1.
                                                                                                                                              • By Post - Please send your payment at least seven working days before the payment due date. Please do not send post-dated cheques or cash. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line and send to NewDay Ltd, PO Box 218, Rotherham, S98 1NS.
                                                                                                                                              • At any bank - Please make your payment by cheque or cash at least five working days before the payment due date by using the Bank Giro Credit slip attached to your statement – your bank may charge a fee for this service. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line.
                                                                                                                                              • Online – Payments can be made online by logging onto your account and selecting the option to make a payment.
                                                                                                                                              • In-store – Simply take your card into any UK Debenhams store and you will be able to pay your account using cash or a debit card.

                                                                                                                                              Q. Can I change the date I pay my account?

                                                                                                                                              No, NewDay are unable to change payment due dates, as they are linked to when your statement is due, which is a fixed date.

                                                                                                                                              Q. How much can I pay each month?

                                                                                                                                              You can pay whatever you like each month, but you must make at least the minimum payment. If you only make the minimum payment this will cost you more and it will take longer to clear your balance.

                                                                                                                                              Q. What is the minimum that I have to pay each month?

                                                                                                                                              The minimum payment will be the sum of (i) the amount of any Interest and Default Fees charged to your account in that statement period plus (ii) 1% of the standard balance shown on your statement plus (iii) the amount of any arrears (which are immediately repayable) subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable too.

                                                                                                                                              Q. Will it cost me more if I only make the minimum payment?

                                                                                                                                              Yes. If you make only the minimum payment each month it will take you longer and cost you more to clear your balance due to incurring interest on your account.

                                                                                                                                              Q. What happens if I miss a payment?

                                                                                                                                              Q. Can I re-open my account if I close it?

                                                                                                                                              No, if you would like a new account, please apply again.

                                                                                                                                              Q. Are there any costs or charges if I decide I don’t want the card anymore?

                                                                                                                                              You will not pay any costs or charges if you decide to close your account.

                                                                                                                                              Q. How do I end the agreement if I decide I don’t want the card anymore?

                                                                                                                                              Call Customer Services or write to us at: at NewDay Ltd, Customer Service Department, P.O Box 700, Leeds LS99 2BD

                                                                                                                                              This is the maximum amount you may borrow on the account, including the cash limit, if any.

                                                                                                                                              Q. How do NewDay decide my credit limit?

                                                                                                                                              This is based on information obtained from your application and the outcome of the credit search performed with the credit reference agencies.

                                                                                                                                              Q. Can I increase my credit limit? (Not applicable to Debenhams Staff)

                                                                                                                                              You can request an increase to your credit limit and NewDay will then make an assessment to see if we consider an increase affordable for you. NewDay regularly review credit limits to make sure that customers have the credit limit that we believe is right for them. NewDay is committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with debt. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account. You can either log on to Online Account Manager or call Customer Services to request a credit limit increase.

                                                                                                                                              Q. Can I decrease my credit limit?

                                                                                                                                              Yes, you can ask NewDay to reduce your credit limit to any amount, provided it is not lower than your balance. In order to do this, either log on to Online Account Manager or call Customer Services. Opening hours are: Monday to Sunday 8am to 9pm, an automated service is also available Monday to Sunday 4am to 11pm.

                                                                                                                                              Q. Can NewDay increase my credit limit? (Not applicable to Debenhams Staff)

                                                                                                                                              NewDay regularly review credit limits to make sure that customers have a credit limit that we believe is right for them. We are committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with credit. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account.

                                                                                                                                              As part of our commitment to ensure that we are lending responsibly, we conduct regular reviews of all our accounts. NewDay will provide 30 days’ notice of any change and you will have the opportunity to tell us that you do not want the increase and/or that you do not want to be considered for an increase in the future. If you do decide that you do not want the increase, we will not treat you any differently in the future.

                                                                                                                                              Q. Can NewDay decrease my credit limit?

                                                                                                                                              NewDay regularly review credit limits to make sure that customers have a credit limit that we believe is right for them. We are committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with credit. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account.

                                                                                                                                              We may decrease your credit limit if we think that your credit limit is not right for you based on the way that you use your card, or the way that you manage your account or for any other good reason. We will let you know in advance of any decrease if we can, but this will not always be possible.

                                                                                                                                              Q. What happens if I go over my credit limit?

                                                                                                                                              You will be charged a £12 fee for exceeding your credit limit and this will affect your credit file and may make it more difficult for you to get credit in the future. Any over limit amounts are immediately repayable. If you have any promotional offers such as 0% interest on certain purchases, your promotion will be cancelled and you will pay the standard purchase rate.

                                                                                                                                              Q. What if the credit limit offered doesn’t cover the purchases in my basket, can the remainder be paid using another credit/debit card?

                                                                                                                                              Yes you are able to do this in store, but not online.

                                                                                                                                              Q. What is a Balance Transfer?

                                                                                                                                              A Balance Transfer is a facility you may be offered if you are accepted for a Debenhams Credit Card. It enables you to transfer a balance held on another card(s) to your new Debenhams Credit Card.

                                                                                                                                              Q. Is there a fee for Balance Transfers?

                                                                                                                                              The Balance Transfer handling fee is up to 5% of the amount transferred and will be charged each time you make a transfer. NewDay will let you know the fee payable when you request a balance transfer. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you. If you exercise your right to withdraw from your credit card agreement within 14 days of receiving your card, the fee will be refunded.

                                                                                                                                              Q. How can I request a Balance Transfer?

                                                                                                                                              To request a Balance Transfer, your Debenhams Credit Card must be activated and you should call Customer Services on 0333 220 2518*. Please have the full details of the balances you want to transfer to hand. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

                                                                                                                                              Q. How long will it take to process a Balance Transfer?

                                                                                                                                              It may take up to 10 working days to complete a Balance Transfer. You should continue making monthly repayments to your existing card providers until the transfer shows on your account with them.

                                                                                                                                              You can transfer any amount from £100 up to 95% of your credit limit. All or part of the balance(s) requested may be transferred subject to your credit limit and to NewDay’s approval.

                                                                                                                                              Q. Can I transfer balances from a number of financial providers?

                                                                                                                                              Yes, subject to approval, you can transfer balances from a number of accounts and financial providers – providing they are UK credit card/store card balances. However, you cannot transfer balances from another card provided by NewDay Ltd. All transfers are subject to NewDay’s approval.

                                                                                                                                              Q. When will interest be charged on my Balance Transfer?

                                                                                                                                              Interest will be charged at the end of the promotional period and we will let you know what this is before your balance transfer is processed.

                                                                                                                                              Q. What happens if I miss a payment or go over limit?

                                                                                                                                              If you do not make a requested payment in full and on time or if you go over limit, your Balance Transfer promotional period will end and NewDay will start to charge interest on your Balance Transfer. We will also charge a fee for missing a payment and/or going over limit.

                                                                                                                                              Available for new and existing Debenhams cardholders:

                                                                                                                                              0% interest for 12 months from the date of purchase on furniture and bed orders over £500 available from 2nd November 2015 to 31st January 2016 (inclusive)

                                                                                                                                              0% interest for 3 months from the date of purchase on all transactions over £100 available from 24th November 2015 to 24th December 2015 (inclusive).

                                                                                                                                              Q. How do I qualify for this offer?

                                                                                                                                              To get 0% for 12 months, spend at least £500 (after any discounts or vouchers have been applied) in a single transaction between the dates above on your Debenhams card, in-store or online on items in the following departments:

                                                                                                                                              To get 0% for 3 months, spend at least £100 (after any discounts or vouchers have been applied) in a single transaction between the dates above on your Debenhams card in store in Debenhams.

                                                                                                                                              Q. What is not included in this offer?

                                                                                                                                              The 0% for 12 months offer is only available when you buy furniture and beds as detailed above. It is not available for any other items.

                                                                                                                                              The 0% for 3 months offer has standard exclusions which are Gift Cards, Financial Services Products (such as Travel Money), Virgin Holidays, Debenhams Flowers, Debenhams Electricals and Debenhams Curtains.

                                                                                                                                              Q. How will the offer be shown on my statement?

                                                                                                                                              The transaction will appear on your statement in the usual way. Balances on promotional rates will be shown on the front and back of your statement. The back of your statement will show the date that your 0% interest rate comes to an end and the interest rate that you will then pay, but please note that if you have a number of offers at promotional rates it may not show the expiry dates of all the offers, but will always show those expiring soonest.

                                                                                                                                              Q. Can I make more than one purchase at 0%?

                                                                                                                                              You can make as many purchases as you like, provided that they qualify as explained above and that you do not go over your credit limit.

                                                                                                                                              Q. Do I have to make payments during the offer period?

                                                                                                                                              Yes, you will have to make at least the minimum payment as set out in your statement each month.

                                                                                                                                              Q. When does the 0% interest period end?

                                                                                                                                              The 0% interest period ends 3 or 12 calendar months, (according to the offer(s) that you have) from the transaction date. At that point, the balance will be moved to your standard purchase rate and will start accruing interest at the standard purchase rate. You will be made aware of this in advance on your statement.

                                                                                                                                              Q. What rate will I pay at the end of the 0% interest period?

                                                                                                                                              You will pay the standard purchase rate on any remaining balance. This rate is shown on your statement.

                                                                                                                                              Q. What happens if I do not make my minimum payment in full and on time or go over my credit limit?

                                                                                                                                              If you do not make at least your minimum payment in full and on time or if you go over your credit limit your promotional rate will be withdrawn and you will pay the standard purchase rate on any remaining balance.

                                                                                                                                              Q. What happens if I pay my balance in full each month via Direct Debit?

                                                                                                                                              If you have an existing Direct Debit that pays your full statement balance each month, please note that this will mean that any balances on 0% will also be collected. If you want to change this, please speak to our Customer Service team.

                                                                                                                                              Q. How do I change my payment method or Direct Debit details?

                                                                                                                                              Please speak to our Customer Service team. You can change your Direct Debit to take the minimum amount due, the full statement balance, or you can set a specific payment each month as long as it is equal to or greater than the minimum due.

                                                                                                                                              You will receive your Debenhams Credit Card within 10 working days of signing your credit agreement and the terms and conditions. If you are provided with a temporary card it will be available as soon as you are accepted for credit.

                                                                                                                                              Q. How do I activate my card?

                                                                                                                                              The main account holder must activate the Debenhams Credit Card before it can be used. You can do this by calling 0333 220 2518*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

                                                                                                                                              Q. What do I do if I lose my card or it’s stolen?

                                                                                                                                              As soon as you identify that your card has been lost/stolen, You should report it to us immediately on our Lost and Stolen Card Helpline. We will stop all transactions, block the card and will arrange for a replacement card to be sent to you as soon as possible.

                                                                                                                                              Q. Where can I use my Debenhams Credit Card?

                                                                                                                                              At over 32 million outlets worldwide, wherever the Mastercard logo is displayed.

                                                                                                                                              Q. How will I know that my card is a Chip and PIN card? (Only applicable to Mastercard)

                                                                                                                                              Your Debenhams Credit Card will be sent to you with accompanying information to state that it is Chip and PIN. We will also provide you with essential information about using Chip and PIN.

                                                                                                                                              Q. When will I get my PIN? (Only applicable to Mastercard)

                                                                                                                                              You will receive your PIN within 7 days of signing your agreement. This will be sent in the post to the billing address of your Debenhams Credit Card.

                                                                                                                                              Q. How do I change my PIN? (Only applicable to Mastercard)

                                                                                                                                              You can change your PIN at any cash machine displaying the Mastercard logo. Simply insert your Debenhams Credit Card, type in your PIN, select PIN Services and follow the simple instructions.

                                                                                                                                              Q. What if I forget my PIN or get it wrong? (Only applicable to Mastercard)

                                                                                                                                              You'll have three chances to enter your PIN correctly when you're trying to pay. If you enter it incorrectly three times in a row, your PIN will be locked and you'll need to call Customer Services to request a new PIN. Opening hours are: Monday to Sunday 8am to 9pm, an automated service is also available Monday to Sunday 4am to 11pm. You will receive your PIN reminder within 7 days, and you will need to unlock the PIN at an ATM.

                                                                                                                                              Q. If I lose or forget my PIN, how do I get a PIN reminder? (Only applicable to Mastercard)

                                                                                                                                              You'll need to call Customer Services to request a PIN reminder. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm. You will receive a PIN reminder within 7 days.

                                                                                                                                              Q. When will I get my PIN reminder? (Only applicable to Mastercard)

                                                                                                                                              You will receive your PIN reminder within 7 working days, and you will then need to unlock the PIN at an ATM.

                                                                                                                                              Q. Will I need to use my PIN when buying online, over the phone or via mail order? (Only applicable to Mastercard)

                                                                                                                                              No, you would only need to enter your PIN when purchasing in store. You may be asked to enter the 3 digit security code shown on the back of your card when purchasing online. Remember never reveal your PIN to anyone.

                                                                                                                                              Q. Can I use my Chip and PIN card abroad? (Only applicable to Mastercard)

                                                                                                                                              Chip and PIN has been introduced in most countries. Where this is not the case, you will be asked to sign a receipt. Therefore it is very important you still sign the back of your card as soon as you receive it.

                                                                                                                                              Q. Can I apply for an additional cardholder on my account?

                                                                                                                                              Yes, you can add up to three people to your account at no extra cost. Additional cardholders must be over the age of 18, be your partner, spouse or a close relative, a permanent UK resident and live at the same address as you. You will be responsible for all use of the card by the additional card holders; they will also share your credit limit. You can request for any additional card holders to be added to your account when you first apply. If you are already a cardholder and wish to add someone to your account please log onto Online Account Manager or speak to Customer Services. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

                                                                                                                                              Q. How can I protect my card from fraud and misuse?

                                                                                                                                              To avoid your card and account falling into the wrong hands, you should activate your card and sign the back of it as soon as you receive it.

                                                                                                                                              Q. What should I do if I don’t recognise a transaction on my account?

                                                                                                                                              Please contact Customer Services straightaway. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

                                                                                                                                              Q. How do I report my card lost or stolen?

                                                                                                                                              You should report it to us immediately on our Lost and Stolen Card Helpline . We will stop all transactions, block the card and will arrange for a replacement card to be sent to you as soon as possible.

                                                                                                                                              Q. What do I do if I suspect fraud on my account?

                                                                                                                                              Contact Customer Services immediately so that we can investigate this for you. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

                                                                                                                                              Q. In what circumstances will NewDay suspend use of the card?

                                                                                                                                              NewDay may at any time suspend your right to use the card or the account; we may do this where we reasonably consider that this is necessary because of reasons relating to the security of your card or account; suspected unauthorised or fraudulent use of the card; or if you have broken the terms of your agreement.

                                                                                                                                              Q. What is estimated interest?

                                                                                                                                              The estimated interest amount gives you an indication in advance of how much interest you could be asked to pay on your next statement and will help you manage your finances more effectively.

                                                                                                                                              • You only pay the minimum payment amount shown on your statement.
                                                                                                                                              • Your balance doesn't increase before your next statement date due to any more purchases, cash advances, Balance Transfers or Money Transfers.
                                                                                                                                              • The minimum payment is applied to your account on the due date.
                                                                                                                                              • The way we calculate interest doesn't change and the interest rate(s) (which can vary) used in the calculation are the same at next month's statement date as they are now.
                                                                                                                                              • The amount takes no account of any delayed payment promotions we may offer in the period ahead.

                                                                                                                                              Q. Will I be charged extra for using my card abroad? (Only applicable to Mastercard)

                                                                                                                                              You can make purchases at over 32 million places worldwide, wherever you see the Mastercard logo. Please note that occasionally, for fraud prevention and security purposes, transactions may be declined or referred when your Card is used abroad. NewDay Ltd adheres to a number of financial sanction regimes which may affect your ability to use your Card abroad. For details of any current restrictions, you should contact us before travelling. All transactions in currencies other than sterling will be converted into sterling on the day they are added to your Account at the Payment Scheme Exchange Rate (at the date and time the transaction is processed) together with the Non-Sterling Transaction Fee (2.75%). The Payment Scheme Exchange Rate used may differ from the rate when the transaction was made as exchange rates vary on a daily basis. The Payment Scheme Exchange Rate used when such transactions are made and the amount of the transactions in sterling following application of the exchange rate will be set out in your statement. For an indication of the Payment Scheme Exchange Rate you can visit www.mastercard.com.

                                                                                                                                              Q. What do NewDay mean by APR?

                                                                                                                                              It means the Annual Percentage Rate and is the annualised cost of credit; it also includes any fees, such as an annual fee, but not default charges. The APR is to help you to compare the cost of credit.

                                                                                                                                              The APR applicable to your account will be shown on your credit agreement.

                                                                                                                                              Q. Can I withdraw cash on my card? (Only applicable to Mastercard)

                                                                                                                                              Cash withdrawals are available on the Debenhams Credit Card. You are able to withdraw cash from any cashpoint that displays the Mastercard logo. There is a cash advance fee of 3% of the amount of the transaction or £3 (whichever is greater) every time you withdraw cash. There is no interest free period on cash withdrawals.

                                                                                                                                              Q. Can I use my card for gambling online? (Only applicable to Mastercard)

                                                                                                                                              Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

                                                                                                                                              Q. Can I purchase travel money or travellers cheques using my card? (Only applicable to Mastercard)

                                                                                                                                              Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

                                                                                                                                              Debenhams Cardholders will receive preferential rates on travel money purchased at Debenhams Travel Money Bureaus. Visit Debenhams.com/travelmoney for details or your local Travel Money Bureau in store to receive your discount.

                                                                                                                                              Q. When does NewDay charge interest?

                                                                                                                                              Interest is calculated from the date the transaction is added to your account until the balance is repaid in full unless you have a promotional offer in which case we will tell you how we charge interest on this at the time.

                                                                                                                                              Q. Why would NewDay change my interest rate?

                                                                                                                                              NewDay may change interest rates for the reasons set out in the terms and conditions. This could, for example, be to reflect rate moves in the market, increases in our operating or funding costs or if your personal circumstances change. We will always give you at least 30 days’ notice in writing of an interest rate increase and another 30 days to tell us that you would like to close your account and pay down the balance at the existing rate.

                                                                                                                                              Q. What other charges may be applied to my account?

                                                                                                                                              You can view other rates and charges on your credit agreement.

                                                                                                                                              Q. How much will I have to pay to my account each month?

                                                                                                                                              The minimum payment will be the sum of (i) 1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus (ii) the amount of any interest, and Default Fees charged to your Account in the current Statement Period plus (iii) the amount of any arrears (which are immediately repayable), subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable too.

                                                                                                                                              Q. How are payments applied to my account?

                                                                                                                                              If you do not pay the account balance in full in any month, NewDay will apply your payment to the statemented transactions as follows:

                                                                                                                                              1. It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.
                                                                                                                                              2. If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: cash transactions, money transfers, payment protection insurance premiums, balance transfers, other promotional transactions, purchases and other transactions. If you have more than one promotional transaction at the same rate, your payment will be applied first to the promotional transaction that has the earliest promotional period start date.

                                                                                                                                              Where an account fee is charged in connection with a transaction or promotional transaction, it will be applied by reference to that transaction type. Otherwise it will be applied after other transactions as set out in 2) above. We will apply any remaining payment to transactions not yet shown on your statement in the same order as set out above.

                                                                                                                                              Q. What should I do if I am experiencing financial difficulties?

                                                                                                                                              If you are having difficulties with your repayments please call NewDay Customer Services as early as possible and we can suggest ways to help. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

                                                                                                                                              Q. When will I get a statement?

                                                                                                                                              You will receive a statement once a month, when there is any movement on the balance on your account. Your statement date will be determined by NewDay and you can find out this date by contacting Customer Services.

                                                                                                                                              Q. Can I change the date I receive my statement?

                                                                                                                                              No, your statement date is fixed and will be the same each month.

                                                                                                                                              eStatements give you the same information as paper statements, but you view them through the Online Account Manager rather than receiving a paper copy by post. To sign up for eStatements - sign in to the Online Account Manager to update your preferences under ‘Account settings’. You can view, print and download your eStatements as and when it suits you. eStatements are free, completely secure and come in the same format as your paper statement. You will receive a reminder email each month to let you know that your eStatement is available which you can download and save at your convenience. eStatements are more secure - there is no need to file or shred old statements

                                                                                                                                              Q. How many Reward Points will I earn each time I use my Debenhams Credit Card?

                                                                                                                                              You’ll earn Debenhams Reward Points with every purchase. You’ll collect 3 points for every £1 you spend on your Debenhams Credit Card at Debenhams, and 1 point for every £2 you spend when you make a purchase on it anywhere else.

                                                                                                                                              Q. How often will I receive Reward Vouchers?

                                                                                                                                              Every 3 months we'll automatically convert the Reward Points you've collected by spending on your Debenhams Credit Card into Reward Vouchers. Reward Vouchers are sent out in January, April, July and October and will be issued in conjunction with your Debenhams Credit Card statement. These are valid until the date stated on your voucher and can be used to treat yourself in any UK Debenhams store when you pay with your Debenhams Credit Card. Please note that Reward Voucher cannot be used in respect of financial services, purchases of gift cards and vouchers or at Debenhams food outlets.

                                                                                                                                              Q. What is Payment Protection Insurance (PPI)?

                                                                                                                                              PPI is a type of insurance sold alongside financial products such as credit cards, loans and other finance agreements so that payments are made if the borrower is unable to make them due to sickness or unemployment.

                                                                                                                                              If you had PPI on your account your policy was provided through Santander. To find out more about PPI, including how to make a complaint if you wish to do so, please visit the Santander website.

                                                                                                                                              Q. Want to find out more about PPI?

                                                                                                                                              You can also call on 0800 171 2171 (Calls from UK landlines and mobiles are free)

                                                                                                                                              Opening hours from 29/08/2017 are 8am - 8pm Monday to Friday and 8am – 4pm Saturday

                                                                                                                                              9 Nelson Street

                                                                                                                                              Q. Who are NewDay Ltd and how do I contact them?

                                                                                                                                              NewDay Ltd issue and operate the Debenhams Credit Card and store cards.

                                                                                                                                              Key facts about NewDay Ltd:

                                                                                                                                              Contact address: Customer Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.

                                                                                                                                              Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and together form part of the NewDay Group of Companies.

                                                                                                                                              The registered office for these companies is: 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The NewDay trademarks are used by NewDay Ltd under licence from NewDay Cards Ltd.

                                                                                                                                              NewDay Ltd and NewDay Cards Ltd. are registered with the Office of the Information Commissioner – New Day Ltd Data Protection Register Entry Number Z272680X. NewDay Cards Ltd – VAT Registration Number 100 1745 76


                                                                                                                                              Can my son use MY credit card while he's studying abroad?

                                                                                                                                              My son will be studying in London next semester, and traveling throughout Europe. He's new to the world of credit, and has a credit limit of only $500 on his student Visa card. Can I get a credit card in MY name and then let him take that card to Europe? (Of course my son thinks this is a great idea--he can rack up the charges while mom stays home and pays the bills!) I also plan to open a joint bank account with him and he'll take the ATM card. I'll deposit money as needed, but will keep the balance pretty low in case the card gets stolen and the account hacked. Thanks for any ideas.

                                                                                                                                              The simple answer to your first question has to be a flat no.

                                                                                                                                              Notify your credit card company that you want to add your son as an authorized user. They will send you a card with his name on it. As an authorized user, you (the cardholder)will be held liable for all charges unlike a joint account where the company can hold both card holders responsible. Also notify the security department of your C.C. company and your bank that these cards (ATM) will be used in Europe and for how long. If you do not notify them they may flag the accounts as fraud and block them. Just like an adult, your son may be asked to show a picture ID when using the card. This is a dying practice but merchants still have a right to ask.

                                                                                                                                              If you already have a credit card account, you should be able to get a second card issued with your son's name on it. When my then 18 yr old daughter was traveling around the world, I got Amex and Visa to issue a second card in her name. Charges appeared on my account, and were listed separately from my own charges.

                                                                                                                                              Or you can go with flan's response. Just monitor his student visa balance on line. Have it set up where you can pay his visa with funds from your bank account on line. This will allow you to cut him off if he is being irresponsible.

                                                                                                                                              You may want to check out some short cell phone contracts. I use T-Mobile when traveling abroad. 99 cents a minute or 35 cents per t-message. Alot cheaper than calling parents the old fashion way.

                                                                                                                                              You might also ask if his credit limit can be temporarily increased while he is in Europe.

                                                                                                                                              Even if your son is a very responsible young man you are courting disaster here. Both of our sons traveled in Europe. One lost a wallet, one lost a camera.

                                                                                                                                              I think the best way to help him but also limit the risk is to; first, pay off the Visa so he has the full credit line, second, monitor the account and keep it current. Ideally, you can monitor this account on the internet and do electronic transfers as needed.

                                                                                                                                              What everyone said--get a card on your account in HIS name.

                                                                                                                                              And an ATM card.

                                                                                                                                              And tell him to keep HIS limited amount card as a backup in case there is a glitch in the other two. Getting that limit increased to $1000 would be good, and probably very possible.

                                                                                                                                              Hacking the ATM is pretty remote and would be refundable.

                                                                                                                                              Establish a link to these on the internet and keep track daily of what is going on.

                                                                                                                                              What you DON'T want to have happen is him be stranded with no means to get out.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Get a credit card in YOUR name, and ask for an additional card in your Son's name.

                                                                                                                                              Hopefully, rather than just adding him to an account, etc., etc. you'll use this opportunity to let him learn how to manage a certain number of funds.

                                                                                                                                              Ever since our two daughters have been driving, we've had them carry credit cards on one of our accounts with their own name. They have the funds available in emergencies or if they need something they can't otherwise afford. Never once has either of them abused this or seen it as a source of free funds. I can not imagine preferring that they be stranded in an emergency or go without the ability to pay for something they need if we are not around.

                                                                                                                                              Totally agree with Nikki. I would add that if carrying two cards (and no companion) carry them in different "locations9quot; on the body/"purse9quot; so they both don't go with one mishap. That IS courting disaster. AND a $100 traveller's check tucked "somewhere9quot; accessible--the ONE use for TC's.

                                                                                                                                              If you want another credit card, it seems safer (not to distrust your son, for all kinds of reasons) so open another seperate account. I don't see any benefit to having him tied to your primary account, and I do see many opportunities for problems.

                                                                                                                                              Thank you for your excellent input on this. The reason I'm planning on getting a new credit card account rather than just getting an extra card in my son's name on my current acct. is that my credit card has 3% fees on overseas transactions. I can get a credit card through the NEA with only 1% fees. This will be good for his trip, and also if I manage to scrape up enough money to visit him while he's abroad. I know it sounds like I'm bankrolling a possibly spoiled and potentially irresponsible young man on his European jaunt, but my son has grown up fully aware of the tight financial constraints that I--as a single mom of 2, and now putting both of them through college at the same time--have. And I certainly have shown him BUDGET travel during his formative years! (See our now ancient trip report "Trip Report: Mom and Teens Back From Fabulous European Vacation. " threadselect.jsp?fid=2&tid=34513204

                                                                                                                                              --sorry I don't know how to make it link). My thinking on the separate bank account with ATM was for the sake of safety to keep it apart from other savings. The account probably should be in my name because mostly it will be my money going into it, and if it's in his name, it could negatively affect his financial aid status at college. Also, I will be looking for a bank that charges lower non-network ATM fees than those at our current bank. Thank you all for your continued suggestions! And OMIGOD look at the exchange rate for GBPs. Yow! --Leslie

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              I don't think you are bankrolling anything like an irresponsible young man. I think you are aiding his education immensely and he is lucky. And I'll bet he knows that.

                                                                                                                                              Check the fine print of the NEA card--other credit cards have JUST begun to reveal all the added costs. Credit unions are well known NOT to add these--don't know if that is a "fit9quot; for you.

                                                                                                                                              Don't be bashful about going to your bank and asking them to waive the ATM fees. If you have a long history with the bank, they may well do that, as well as for the reason he will be using it.

                                                                                                                                              And along with that, tell your son that the fees are on a per withdrawal basis and he should budget for this--learn to handle his cash so that there are fewer withdrawals (one week, for example?). Lots of learning possibilities here.

                                                                                                                                              Leslie, your plan sounds good to me. Just make sure the bank issues a second card in your son's name.

                                                                                                                                              My neice lived in Europe twice. The first time she was in London working for six months and then spent last year studying in Copenhagen. He dad had an account set up for her at his credit union (no, or very small fees). She used her debit card for almost everything. My brother could moniter her account and would put $ in as needed. This seemed to work pretty well. He could moniter her spending etc. She had a credit card also and that was her thing and that's a whole other story.

                                                                                                                                              We organized for both of my stepdaughters to have cards issued in their name on both my AmEx and one of my Visa cards. (Their father's are company cards and it wouldn;t work.)

                                                                                                                                              Ended up getting a joint checking acct. with my son at TD Banknorth. Their current promotion here in Pennsylvania is Free ATM usage worldwide. They do not assess a fee for use of any U.S. bank's ATM, and they will reimburse the fee assessed by the other bank. For overseas transactions, TD Banknorth does not charge a fee, but will not reimburse the overseas bank's fee. I'm still deciding on which credit card is best. And of course I lectured my son on the evils of profligate spending while he's off having fun and mom's home paying the bills (especially with the exchange rate so terrible right now!)Thank you all for your great advice. --Leslie

                                                                                                                                              My daughter is currently studying abroad. She has 2 credit cards in her own name that we got just for this year. One has a $1000 limit and she carries that one with her. The other has a $500 limit and she keeps that hidden in her locked apartment. She also has an ATM card, which I add $$$ to for her. We have the credit card bills come here and I pay them. We photocopied BOTH sides of all of her cards and her passport and I am joint on her bank account so I can handle problems that arise. We did not think to call her credit cards ahead, but I would recommend that you alert them to his plans and also ask them to note on his account records that YOU are also authorized to answer for him. My daughter's card was calling due to charges in so many countries wondering if it was credit card fraud and it was kind of a mess to clear up. we have since added that note to her accounts!

                                                                                                                                              She also took some Euros with her for the first few days. just in case her ATM card wouldn't work for some reason. She is finding only very major resturant, hotles and shops accept credit cards, so her ATM is working out best. She got a cell phone through piccellwireless; her program recommended that. Good luck! It has been lonesome but exciting for us! We are going over to spend Xmas with her.

                                                                                                                                              oops. restaurants and hotels.

                                                                                                                                              As someone who flys overseas everyweek for work and has two kids who have done a year of study abroad each-I thought that I would chime in. EVERYONE who goes overseas needs two different ATM cards and two different credit cards. When my kids were studying overseas the past couple years,they each had their own low limit credit card along with a extra credit card (with their name on it) from our family account. Then they each had a low limit ATM account along with their own ATM account from our credit union(they we could add funds to). This worked out very well for not only living overseas but their weekend/spring break trips to other foreign countries.My son was robbed in Torino Italy on a bus from a soccer game and lost everything with the wallet. Fortunately, he had the two extra ATM and credit cards back at his apartment till we could send replacements which took over a week.

                                                                                                                                              I,myself have run into numerous times overseas when one of my ATM accounts do not work and fortunately, I had the other card to use. Personally, with all the extra fees these days to credit cards-I usually try and pay cash for everything over there.London is going to be VERY difficult to not spend money in. I would highly recommend that he get the 5 pound telephone cards from any tobacco/newstand shop and use those to call him even if he gets a cell phone over there. Most of the phone cards have about 200-300 minutes back to the states and they can be used from any hotel,pay phone,etc.I use them everyweek and they are more economical than getting something like T Mobile or Cingular phones for over there.Be sure to photocopy all his important stuff-a copy to you and one for himself. Get him a couple decent "broad view" (

                                                                                                                                              Western Europe,England,etc.)guidebooks like Lonely Planet so he can have a miniguide and info for some of the places he might travel to on the weekends.(Both my kids took a few books and used them quite a bit.) London (because of the language and culture) will be easy for him to transition into. Have fun!

                                                                                                                                              I forgot to mention this; my daughter has a cell phone, but we speak via the internet on skype.com. the cell phone is for travels and emergencies. It is more expensive.

                                                                                                                                              dutyfree; I wish I had spoken to you before we began this year! How can someone use my credit card when i have it

                                                                                                                                              My daughter and son are both in college. I set them up with a Visa Debit card through my bank. That way I can keep tabs on them and I can instantly deposit funds if they REALLY need it. My daughter also set up her own bank account at a local bank, where she deposits excess scholarship funds. That is her "independence account", I have no control over it, and don't want any.

                                                                                                                                              WAAAH, the children have eaten everything in sight and headed back to their colleges. Thanks to all for your input. AuntAnnie--my son will set me up with Skype when he's home for Christmas break. Do you know if the PiccellWireless deal is a good one, or if there are better mobile phone deals to be had once my son gets to London? (I should probably post this as a separate query. ) Thanks. --Leslie

                                                                                                                                              Just want to chime in on the cell phone ("mobile9quot; in the UK) question. I did a lot of research before I went for a month in the UK last year. (And found a lot of good info by searching this forum!)

                                                                                                                                              Thanks SB Travlr. Your suggestion sounds good. I was concerned about PicCell phone/service because the company's literature and website don't seem to spell out the exact costs. My son plans to be overseas for 5 months, about a month of which is to be spent traveling around Europe. Sounds like buying an inexpensive phone/SIM cards may be cheaper than the rental fees. --Leslie

                                                                                                                                              Lesliec1, I agree that a cheap mobile and payg card from a UK provider is the way to go. Furthermore, it may even be best for him to use it during his month travelling around Europe if he won't be making many calls. He would just need to insure that international roaming is authorized before leaving the UK.

                                                                                                                                              Heimdall, thanks for your information about international SIM cards. My son will arrive in London 2 or 3 days before his program begins, so he should have some time to shop around for the cell plan that best suits his needs and budget. --Leslie

                                                                                                                                              My cupboards are bare, too!

                                                                                                                                              Piccellwireless charged us (I believe. it was a while ago. )

                                                                                                                                              $39.99 for the phone and hook-up. They shipped ot to us free. She has no monthly charge and no charge for incoming calls. She pays for calls she dials. So far we have paid about $80 since August (total-excluding the initial $39.99) She called us en route from Iceland, London and the hostel she stayed in until she got her apartment. Now she just uses it to call her other friends who are studying in Germany and we talk on skype. I truthfully don't know if other plans are cheaper, just telling what I know about piccell. I did ask about renting a phone for myself when we go visit and the price for an adult was much higher.


                                                                                                                                              How to Transfer Money From a Credit Card to a Bank Account

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              How to Transfer Money Into a Bank Account From a Credit Card

                                                                                                                                              We have all had an emergency when we needed money fast, whether to pay for bills that have come due or to purchase things our family needs.

                                                                                                                                              In some situations, you can't use credit cards as a form of payment. Some of these situations include:

                                                                                                                                              • Mortgages
                                                                                                                                              • Car loans
                                                                                                                                              • Other credit cards (without an approved balance transfer)
                                                                                                                                              • Do-Si-Dos from the local Girl Scout troop

                                                                                                                                              I know budgeting experts will tell you not to use credit to pay for credit, but there are some situations where it will save you money.

                                                                                                                                              So how can you use your credit card to deposit money into your bank account?

                                                                                                                                              Pay Yourself With Your Credit Card to Transfer Money to Your Checking Accout

                                                                                                                                              To transfer money from your credit card into your checking account and avoid large interest rates and fees, you just need to pay yourself using a Square Account.

                                                                                                                                              Square is a service that gives people or businesses the ability to accept credit or debit card payments using their smart device. Signing up for a Square account is fast and when the sign-up process is done, you will get a free card reader for your iOS or Android device in the mail (although you can accept a limited number of transactions a day by typing them in manually.)

                                                                                                                                              You can also purchase a card reader at many popular retailers like Target. By paying yourself through Square, instead of taking out a cash advance or paying for a wire transfer, you can save a lot of money.

                                                                                                                                              My money hack violates Square's terms of service. Your Square account could be suspended, and the payments canceled. It also may violate terms of use for the credit card you are using.

                                                                                                                                              Please read the Square Terms of Service before attempting this money hack.

                                                                                                                                              It's possible that you may still be able to use my method by and be in line with Square's terms of service by providing an approved goods or service and using Square to accept the payment from yourself. However, you should still read the terms of service to be sure.

                                                                                                                                              You will need the following to transfer money from your credit card to your bank account using my Square transfer money hack:

                                                                                                                                              • A smart device (iOS or Android) with an Internet connection
                                                                                                                                              • A Square account
                                                                                                                                              • A bank account (duh right)
                                                                                                                                              • An active credit card with available credit
                                                                                                                                              • Ability to wait up to the next business day for the cash (though it may actually deposit on the same day)
                                                                                                                                              • Optional: A Square reader if you can wait more than a day for the cash to deposit

                                                                                                                                              Before attempting to transfer money from your credit card to your bank account, you should first read the "What you will need . . ." section above.

                                                                                                                                              If you already have a Square Account, skip to Step Two.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Sign-up for a Square account. Download the Square App from the Apple or Android App Store. You can also register for Square on your PC or Mac.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Ensure the bank account registered to the Square account is the one you need to transfer money to.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Plug in your Square card reader if available.

                                                                                                                                              Swipe your credit card or enter the information manually.

                                                                                                                                              Note: If you type in the credit card information manually, it will take more than 24 hours for the money to deposit into your account. It usually takes three or four days.

                                                                                                                                              Submit the payment and confirm. You can opt to send a receipt to yourself from yourself, but I don't think it's needed.

                                                                                                                                              Wait for your money to arrive.

                                                                                                                                              Why Is Transferring Money Using a Square Account Better?

                                                                                                                                              With your Square account, you will only be charged a one-time fee of 2.75% the purchase. You will avoid paying an increased interest rate, unlike a cash advance, and you will still have your grace period to pay the credit off before it gains any interest.

                                                                                                                                              Tip: Only use this if you have to. Do the math and see if it is financially better to use this money hack than by other means. It will most likely be a better option.

                                                                                                                                              How to Calculate How Much Money to Charge Yourself

                                                                                                                                              As mentioned, Square is going to charge 2.75% out of the total sent from the payee (which is you in this case). You will need to adjust the amount you send to account for the 2.75% that will be taken out. So if I needed $40 I would take 40 and divide it by .9725 to find the amount I need to charge myself.

                                                                                                                                              40 / .9725 = 41.1311 (Go ahead and take this up to $41.14).

                                                                                                                                              Thus, I would add $1.14 to the original amount needed of $40.

                                                                                                                                              I would need to pay myself $41.14 through Square to receive the $40 I need.

                                                                                                                                              I hope this helps you—good luck!

                                                                                                                                              For those who are curious, here's how I stumbled on this money hack: I had just finished paying most of my family's monthly bills, and the next day I noticed an unexpected doctor's bill that had automatically drafted earlier than normal.

                                                                                                                                              Since I was a new stay-at-home Dad, we were on a pretty tight budget. That surprise bill was going to incur fees that we didn't have the money to pay. At the same time, we had to pay our mortgage the next day, and the fees would leave us almost 40 dollars short.

                                                                                                                                              I had to get money into my checking account, but the banks were closed. I thought of using a wire transfer, since it is the fastest one. A wire transfer would be deposited the same or the next business day, but it had a fee of $25. The whole point was to avoid the overdraft fee of $35, so I didn't think the wire transfer was worth it.

                                                                                                                                              I had a ton of money in my Paypal account, but it takes 3-4 business days to withdraw funds from Paypal.

                                                                                                                                              I could also have used a cash advance offered by my credit card. With the cash advance, however, I would have had to pay a fee of 4% of the total amount advanced, plus I would instantly start incurring an increased percentage rate on the money that had been advanced. It didn't make sense to me.

                                                                                                                                              That's when I started to think outside the box for other options, and this is what I came up with. Remember to read Square's terms of service before trying it out, and good luck!

                                                                                                                                              How can someone use my credit card when i have it

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                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              To simplify, Credit Card into Cash is the company that uses a third party company. They have a dot com site. You just use their site as if you are ordering your cash. You save money by not having to open an LLC or corporation and paying unnecessary fees to keep that corporation open. And I was correct on their dropping of processing fees.

                                                                                                                                              If you are receiving your cash via a Chase account, you get charged a lesser fee than whats posted on their site. I hope this helps.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              A third party company is already utilized. There's no need to open up some shell company of your own and spend extra money to receive your cash from your card. Dont have to risk gambling on getting your account removed or suspended either. They remove all risk and just have the sole responsibility to transfer from your card to your account. Its just as simple as if you are ordering something from amazon.

                                                                                                                                              You process your payment, follow the proper channels of receiving a refund, and thats it. Cash gets to my Chase account a day later. Sometimes the same day. The fee I pay is built into my request so I just request extra to cover that fee. I understand just recently when using my chase account the fee was a few percentage points cheaper than originally posted.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Arthur. what process do you use and what third party company?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              I use credit card into cash's method. Just use a third party company to facilitate the purchase (follows terms of use). I've received (borrowed) over $15,000.00 thus far. Process took less than ten minutes online. Got my money the next day. Sometimes the same day. It is a little expensive but it definitely is cheaper than a typical loan. And it's safer than this hack method.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Didn't work anymore

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              BusinessOwner 5 months ago

                                                                                                                                              This technique is not necessarily grounds for your account to get banned. The problem lies in the structure of the individual's account. For example, I've done this method more than once with amounts higher than $5000. The only difference is that I have a LLC with it's own Tax ID #, address, name,etc. For those of you who don't know what LLC is, it's pretty much a corporation, and all corporations,LLC, LLP,etc are considered their OWN entity. So in my scenario, I'm not doing anything wrong because the LLC is a business (not an individual) separate from myself (my personal name and credit card). There's nothing stating that I as an individual cannot buy something from my business.

                                                                                                                                              That is why an individual may get their account banned. If YOU (meaning your name,SSN,credit card,etc) are "buying9quot; something from yourself (you better be a legitimate business) or yes, you can be violating some terms. The Square account is associated with your SSN (if you sign up as a person), while signing up as a business will be with a separate Tax ID

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Square requires a DEBIT card, and will not accept a credit card.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              My experience is positive so far. I followed these steps to create an account during this weekend. I then paid myself nearly $3000 with my Sears (Citi) credit card in a single transaction by manual input. I received an email Sunday night from Square stating the funds have been deposited to my bank account minus fees ($100 and some change). Bank account doesn't show anything yet. but it is only 12am Monday.

                                                                                                                                              Now I'm wondering about the $100.xx charge and if I could get that back if I processed a refund for this transaction. I mean, I only need this money temporarily since my money is tied up elsewhere. hmm.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 6 months ago from United States

                                                                                                                                              This is a risky trick, can you please give more detail to your situation. How much money did you attempt to transfer? Who's card, Square account, and bank account did you use? What type of card did you use? What information did Square or your bank provide?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 6 months ago from United States

                                                                                                                                              I personally would not use someone else's bank account to transfer credit funds into through square. There is always the risk that Square or the Bank will catch on to the transaction and freeze an account. Usually, Square just sends a warning or shuts the Square account down. If you didn't see an email from Square, check your junk mail and if it's not there then just ensure that you can log into your Square account using the credentials you created during the registration process. You should be able to manually enter a customer's card information as many times a day as you need, but for manually entered transactions, Square’s fee is 3.5% + 15¢ per transaction. Also, manually entering the card info sometimes makes the transaction take longer to process in my experience. What amount is too much to take from each card? Well, it's not just about the card? Square monitors transaction thoroughly and will be looking for anything odd. All of the transfers I have made have been under $100 and using my own card and bank accounts. I have had no trouble with Square. If you read some of the comments for this post, many will say they had issues using more money and some don't give enough detail to help us determine which amounts are being flagged. If your friend with the bank account approves of you using his bank account, I would go ahead and get him to sign up for Square. That way the bank account/Square account and the card being processed are registered to two different people. Your other option is to start providing a legit service or product to accept payments with Square. I hope this helps.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              After reading through all these comments, I'm thinking the best action to being able to do these types of transactions is to have an LLC linked into Square and your personal info to not appear anywhere on Square itself, then link Square to your LLC banking account. If you do all that then you shouldn't have any issues. That way everything is considered a business transaction from you to the business and not from you to yourself. That way you can do the large dollar transactions without any problems.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              I would NOT use this method! I almost got my credit card and Square account shut down doing this. It may have worked a couple years ago but banks and Square are wise to it.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Which other service is better than square ?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              I just created a square account now and I was told to link an account but I don't have any for now,can I use my friend's account to receive payment? And also after opening an account, I have not receive any emails from them showing a welcome mail or anything to show I just registered. The 3rd questions is, can't I use card manually 4times or more daily depending on purchase and what amount will too much to take from each cards?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 10 months ago from United States

                                                                                                                                              Mike Noa, You should add any income received on your taxes.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 10 months ago from United States

                                                                                                                                              Amanda, that is a horrible situation. The larger the amount of money the more likely an account will be closed and money will get tied up. I hope this all worked out. Who used their card to pay and who used their square account. From what I can gather it seems this was a legitimate transaction. If your taking payment from someone for a approve service then there really shouldn't be an issue. Square must have seen something that made them think the account was a risk - I wish they would have been specific, because that would give the account holder the chance to explain the issue. Sorry to hear this occurred.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 10 months ago from United States

                                                                                                                                              Fo Je, no up front taxes are involved if you don't choose to charge taxes when accepting the payment, but the income should be reported on your taxes.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 10 months ago from United States

                                                                                                                                              You can make a payment without the reader by entering the card info, but it will take longer to process and have a higher chance of getting your account flagged. Payments made without the reader are more heavily scrutinized.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 10 months ago from United States

                                                                                                                                              Mr Falafel, the general rule is you should include all income on your taxes. Even though the money you are getting paid is originating from your own credit card, it has been paid using a payment service.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 10 months ago from United States

                                                                                                                                              Ben, If you are using this technique multiple times or for large sums of money. anything over $100, you have an very high chance of having your account banned. Use caution.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Hi. I actually thought of this before I found this article. But I started searching for additional information because I'm afraid that Square may flag my account if I try to use it for my intended purpose. No fraud. I just have a large total credit spread over 7 or 8 credit cards. I want to take out the cash for the ones that I can't get 0% APR for cash advances. Looking at a several large transactions. Will Square flag me. Will my money get tied up. is there another option.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Will this effect my taxation, thanks

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Amanda Bjork 11 months ago

                                                                                                                                              I wasn't using Square to hack but found this in a search when my account was terminated.

                                                                                                                                              I am singing/performing at a wedding for close friends. I also have done much work on the wedding planning itself. My friends and I agreed on a sum of $3162 to include travel, hotel, equipment, performance, and planning services. They are paying upwards of $25000 for this wedding and are at the point where they needed to use credit cards to finalize payments. So I opened a Square account today in order to facilitate payment because it was recommended to me and boasted "instant deposit". And because I wanted to use it in the future, deciding that my band will have other performances at parties and such if this one went well.

                                                                                                                                              Payment went through fine, linked my bank account and debit card with no issue. Then a few minutes later they wanted verification. So I sent my ID, an explanation of the payment, THREE bank statements, and had the couple send me an email to use as an invoice, a breakdown of charges. I called and spoke to a representative who said it all looked good and I would hear back by tomorrow. Not even 10 minutes later I was informed that my account was shut down with the following email:

                                                                                                                                              We’re sorry to inform you that we are deactivating your account. Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity.

                                                                                                                                              For further information about our policies, you can review section 36 of the Square Payment Terms.

                                                                                                                                              We regret that, starting today, you will no longer be able to process transactions using Square. Any funds currently in your account will be held for 90 days before being released to your linked bank account.

                                                                                                                                              If you’d prefer to receive funds more quickly, you should consider refunding the payments back to the original cards and seeking alternate forms of payment. (Please note that we will refund all the fees, too.)

                                                                                                                                              Refunds are available within 60 days of the original payment. To process a refund, log in to the Square dashboard.

                                                                                                                                              Use the date selector tool to locate the specific payment.

                                                                                                                                              Click the payment you'd like to refund, then click "Issue Refund".

                                                                                                                                              Select the reason you're refunding the payment, and click "Issue Refund."

                                                                                                                                              Unfortunately, our decision to deactivate your account is final. Due to security reasons and the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details.

                                                                                                                                              Again, we apologize for any inconvenience this may have caused.

                                                                                                                                              Square Account Services

                                                                                                                                              Not only is this ridiculous AND ruins my friends wedding, but their email contradicts their own terms of service. And my payment did not violate the terms of service in any way. The only possible risk I could see was that I was communicating with them via my work computer, which is on a VPN so the IP addresses and time zones would be off. But that is it. I made no other transactions and now may or may not get the funds in time to make the wedding.

                                                                                                                                              The couple and myself are going to be hounding them all day tomorrow to see if they will deposit the funds. I don't want my account reinstated, but if that happens I will update that.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Any taxes involved? Will I be audited for taxes?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Hello bro please can i make payment without the card reader?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              MR FALAFEL 11 months ago

                                                                                                                                              Seems to be working with CC out of CAN and USA. But the questions really, would you be taxed due to using this service?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 12 months ago from United States

                                                                                                                                              azzoug, if you have an American address you can use then I would go ahead and use that one.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 12 months ago from United States

                                                                                                                                              Chetan & Emmanuel, I am not familiar with Indian bank practices and policies. If either of you try it, please let us know how it worked out.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 12 months ago from United States

                                                                                                                                              Ms. T, I'm glad that this could help. This is the type of reason I think the method should be used for. Sorry you have to deal with a landlord who isn't understanding, but in his their defense they may have been though some bad tenants in the past. Thanks for your comment and have a great day.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 12 months ago from United States

                                                                                                                                              Lee, I would not do this in connection with a card that someone else shares with you without their consent. Using gift cards may work, but most gift cards have a fee when you purchase them. If you or your mother is linked to the account and you use the card there is always the chance square will shut down your account.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Lifefusion do you think that it will cause any issues if I have the money deposited into my business checking account. (LLC)

                                                                                                                                              I was also wondering if I should buy gift cards with a credit card or use my mother has all of my credit cards in her name as a authorized user. I was going to charge $1000 to her card which my SSN is on the account. Josh ? Anyone ?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Just a thought, but also a possible solution. Most credit card companies allow you to have 2 cards linked (i.e. I have a card in my name and my mom has one in her name, and we share the credit limit). So the solution would be to use my moms card to pay into my account so that the name on the transaction is different. And if asked will just tell them she is paying me for taking care of her. Am I wrong in that thought?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Chetan Kulkarni 13 months ago

                                                                                                                                              Hey Wil this method work in India. I mean for Indian banks?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              This was an absolute life saver. I just paid my rent doing this Lifefusion you are a genius! My landlord sent me an email threatening possible eviction, unbelievable I paid you on time for 3 years and twice i'm late, you're getting your late fees so why bring up eviction? Makes me want to move out just because I feel she has no heart. Slumlord never even put a washer dryer in my unit as she said she would. It is what it is, hope things will get better in a hurry.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              I tried with square but they caught me. Has anyone tried Quickbooks Payment?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              I think u can only use 1 card and you will be fine if u doing more than one there's your problem

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 15 months ago from United States

                                                                                                                                              liljon50 - Yeah, Square has some quirks. It seems like the more money being paid the more likely that transaction will be red flagged by Square. I am currently researching how to a square account reinstated. The longest a payment of any kind has taken to process for me is 5 days. The few times I have used the transfer hack it processed by the next day. The largest amount I transferred was $150. Was the card you used to transfer in your name? If not you may be able to call square and get them to push the payment through and reinstate your account. A friend of mines account was suspended and the payment was on hold. Since he used his wife’s card he just called and explained that she was paying him for moving services because they were getting divorced. The CS agent pushed it through. Maybe something like that might help.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 15 months ago from United States

                                                                                                                                              dnile28 - It would be harder for Square to catch your violation if you use any card not linked to you in some way (Name, Address. ) If its a cared that's not registered to a person then I would highly doubt any red flags would be raised. That being said, I have had a few clients that tried to pay me with gift cards and square took longer to give me the payment. It seemed like the MasterCard gift cards took longer to process.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              I actually did this some months ago. I thought it stopped working. I never bothered to actually check my credit cards balance after though. I was using the phone app. So i figured if it didn't go into my account it didn't come out the other account. Err. Wrong.. It wasn't until I logged onto the PC I saw my account "needed to be verified" They verified me, I kept waiting though for my funds. I had $300 some odd waiting for deposit. They sent me an email about 2 weeks ago saying my account has been deleted. I should refund the money back to the original card. Or after 30 days it will go into my bank account. Isn't that the whole reason I did it?

                                                                                                                                              It was some of my cards, as well as my wife. We both worked the same job so we split bills 50/50

                                                                                                                                              With all that said, did anyone else have to wait this 30 days? Or they had no funds being processed at the time. I feel like even after the 30 days it will still sit in there.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Ok, here's a question. what if I got a visa/amex gift card and put the amount of money that I wanted on the gift card, then used my square account to deposit the cash to myself. would that be harder for square to find me in violation? can i even get a gift card with a CC?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 15 months ago from United States

                                                                                                                                              Mike, the process does still work. As mentioned in the disclaimer section though, you may not want to use this process because it does violate Squares terms of service. I still have never had an issue. I only do this when I really need to and I also use my reader to let clients pay me for services. I have actual service transactions and the rare card transfer hack transaction. I have had my square account from the beginning and its still active today. Be smart with it.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              This doesn't work anymore. They are cracking down on this as a lot of people have become wise to the method. I wouldn't suggest trying it if you use square often. Of they remove your account, you're out of luck

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              just use your head, and dont be a fool and swipe 1000 on your first sale, even if its your own card.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              i did this and they shut down my account

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Emmanuel Leorn 18 months ago

                                                                                                                                              I live in India and can I do this with Square , I have a Credit Card and bank Account with the same bank , Please advise.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Thread interesting and useful.

                                                                                                                                              My question is: I am my card. Issued by a European country. (My address)

                                                                                                                                              I have a bank account in America.

                                                                                                                                              When you open an account with : Square

                                                                                                                                              Do you put America or Europe address?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              I've been doing this for years to transfer gift cards to my account. I did it when I accidentally double paid a bill on my Discover card and then just swiped the card to pay myself for the overage. I haven't used it in a few months now so I don't know if it would still work.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 23 months ago from United States

                                                                                                                                              Mig, Square may be cracking down even more. Like I mention above, it's risky. You could always provide a legitimate product service to someone for payment to be safe. If you don't mind, could you share what happened. What did Square say? How did they notify you?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              I tried and i was caught

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 23 months ago from United States

                                                                                                                                              You are charged 2.75% for each transaction, thus you would be charged about $2.75 for a $100 transaction. you would need to make the transaction for $103 if you want $100. it will be slightly more than $100.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              is this is all true? just tell me for 100rs how much ou willl be charged?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              It's asking me to verify payment method. if I used my own credit card to myself, how in the world do I prove it without being blown out the water, and the money not going through?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 2 years ago from United States

                                                                                                                                              Thanks Random 149.16, just remember it may violate Terms and Conditions for your Credit Card and/or Square service. Hope it was helpful.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Sure you are a genius and I could kiss you

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 2 years ago from United States

                                                                                                                                              I think it is now called Square Register on the Google Play Store

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              i dont know how to use the square :( 2 years ago

                                                                                                                                              Can't find it how can i enter my account number and where . Is it the square up app

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Here is the email that was sent to me from Square:

                                                                                                                                              We reviewed your account and found some payments that violate the Square Terms of Service. As a result, we won’t be able to deposit funds for these payments into your account. We apologize for any inconvenience this may cause.

                                                                                                                                              Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square account. The Square Terms of Service also prohibit using Square as a money transfer system. You must provide a legitimate good or service in exchange for every payment processed with Square.

                                                                                                                                              Please refund the payments in question. If you aren’t sure how to refund a payment, this Support Center article will help you. It usually takes two to seven days for refunded payments to get credited back to the original payment card.

                                                                                                                                              Please understand that if you process these types of payments again, we’ll have to deactivate your Square account.

                                                                                                                                              Thank you for understanding.

                                                                                                                                              Square Account Services

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Hello, thanks for posting this article. I have successfully made 3 transactions with my new Square account and had the money deposited. However, after the fourth try, Square stopped the transfer and requested a legitimate business ID and proof of all of my invoices. I could not produce them so they canceled the transactions and warned me that I was in violation of their usage rules by using my own credit card to transfer money to myself. Was cool while it lasted!

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Would this work for large purchases for the sake of showing large credit card activity to get a say $10,000 secured credit card unsecured?

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              ok, all depends but for sure square up reports to the IRS.

                                                                                                                                              its on there website 10-99 form is send out by square up reporting that you have made xxxxx amount

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 3 years ago from United States

                                                                                                                                              I am not sure about that. I would think any additional income should be reported, but with the money actually stemming from your own credit account that makes it complicated. I will try to look into this more, but for my purposes (getting quick cash to avoid large late fees) it would still be well worth it even when factoring in claiming the income on my taxes.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              what about taxes or now you have additional income paying your self ??

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 3 years ago from United States

                                                                                                                                              You are correct. Thanks for pointing out the error. My old Finance 3100 professor would be ashamed.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Your math is a little off, if you do it your way and charge 40 +1.1 (41.10) that will be charged 2.75% or 1.13 and you will be left with 39.97 not 40. You need to actually take the amount you want to charge and divide it by .9725. $40 / .9725 = $41.13. So when they take 2.75% of your total (1.13) you are now left with $40.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              Josh Woods 3 years ago from United States

                                                                                                                                              I am glad this could help you out. It is a nice little trick.

                                                                                                                                              How can someone use my credit card when i have it

                                                                                                                                              This worked like an absolute CHARM. I can't thank you enough! I followed your instructions to the letter - signed up for Square on my phone at 9:00p on Monday, manually entered a credit card payment to myself, and voila! There it was in my bank account Wednesday morning. THANK YOU .

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                                                                                                                                              how can someone use my credit card when i have it

                                                                                                                                              Just some technical fun facts:

                                                                                                                                              You can actually pretty easily make a fake credit card (or change one) as all cards are completely re-writeable. Ever try getting into your hotel room and find that the key stopped working? You probably went to the front desk and they might have said that it was demagnetized and that’s very possible if the card was somehow exposed to magnets. The magstripe on the back of your card are a series of minuscule bar magnets that can have their poles reversed.

                                                                                                                                              With that said, you can purchase machines that program cards. As more companies enter the space of credit card readers (like Square, PayPal or Intuit) and card aggregation (like Coin or Plastc) these machines are becoming more common and you can often find them on eBay.

                                                                                                                                              But to copy someone’s code, you need a very specific type of card reader that reads track 1 and track 2. Most credit card readers designed for phones only read one track, so it’s unlikely this would happen to you at a craft fair or in a taxi. But, if someone has a two track (or three track) reader, they can easily decode your entire card and use a machine to adjust another card to mimic it perfectly. Once they can the card, they’ll have your full account number (including primary or supplementary number, which delineates if this the primary account holder or an additional card), the country the card was issued in, the name of the cardholder, and the expiration date. They can now duplicate all the information onto another card, perhaps a canceled card they already have so merchants won’t be suspicious.

                                                                                                                                              The new standard for cards (EMV, or chip and signature in the US — chip & pin for the rest of the world) will protect against this in the immediate term. Also, technologies like NFC, Apple Pay and Android Pay use a process of tokenization that will protect even better than EMV does.

                                                                                                                                              The great news, as you pointed out, is that credit card companies protect consumers against this kind of fraud. Unfortunately, something to keep in mind is that they rarely protect merchants. And while I’m sure Nordstrom can afford it, when a small business receives a chargeback for fraudulent purchases, they’re left in the lurch sometimes losing hundreds or thousands of dollars due to a fake credit card. And a lot of them can’t afford it. Some companies, like Square, now offer chargeback protection for merchants. But they’re still a fairly small platform compared to the big merchant acquirers out there.

                                                                                                                                              This seems to be more and more common nowadays. Hackers usually steal credit card information from big stores’ system and used those to make “new” cards. And they can even write their own name on it, so if they are asked to present an ID, it would not be an issue. My card was copied and had 10 transactions worth over $1200 in Georgia while I was in Oregon, thankfully I got all my money back.

                                                                                                                                              Must be pretty common. The same thing happened to me a few months ago. Strangely all of my fraudulent charges occurred in MD too.

                                                                                                                                              I’m not surprised that Ben hasn’t seen more of this — He’s not in the United States much. The systems we have in place in the US are archaic and insecure. Both in the card terminals AND back-office systems. Unfortunately the new Chip + Signature deal is barely an improvement over the current mag-stripe. They should have just gone with Chip + PIN and been done with it. For some reason the banks are afraid Americans are so lazy that adding a PIN to a CC will make them stop using it. Americans are indeed lazy, but when it comes to immediate gratification (ie: shopping), I don’t see a PIN slowing anyone down. No matter, the online gap still exists — no chip nor PIN needed for online purchases.

                                                                                                                                              Re: Chase — Yes, they DO have a problem and they’re aware of it. My source from Chase (who works in a different department) was given rather dirty looks and a “You shouldn’t be asking about that.” when s/he started asking around about the increase in Chase CC #’s being stolen. Obviously something’s going on, but they’re not willing to go into details about it, even other departments inside the company.

                                                                                                                                              Re: Skimmers — yes, they’re out there, but are only responsible for a small % of fraud. The underground marketplaces on the web are much better. Most of these guys are getting their data through breaches rather than skimmers. When I checked a few months back, Visa/MC #s were going for

                                                                                                                                              $1-$1.50USD each. Amexs were $2 each. Add an extra $1 to each of these if you want the owner’s ZIP code and possibly address. Full info (CC#, DOB, Driver’s license #, address, SSN, etc.) were running about $10-15 each.

                                                                                                                                              I should point out that stolen iTunes accounts were running $6 each vs. the $1-$2 for CCs Why? The Apple Store, of course, as anything with the fruit logo is easily sold on the black market (or your local flea market/craigslist), but more recently, Apple Pay. All you need is an iPhone and an iTunes account and you’ve got yourself a mostly unlimited and mostly safe way to abuse credit cards. For now, banks assume that anything purchased with Apple Pay or Google Wallet is trusted. After all, you have your phone in your possession, have the passwords in your possession, and are presenting both when paying. Except it’s someone with your iTunes account info and not you. Banks’ fraud algorithms will almost always green-light Apple Pay charges, and it doesn’t matter anyway — Apple is the one who greenlights the charge at the merchant’s terminal, not Visa/MC, and Apple’s very naive. So far not seeing stolen Google Wallet accounts on the black market much — they require an additional password in addition to the Google login to work. While the Apple Pay/Google Wallet thing is cute and sometimes convenient, I’d advise people to not have all of their cards on Apple Pay, if any cards on it. At least until Apple gets their stuff together in the security department.

                                                                                                                                              As to my own cards, I’ve had them stolen many times over. Never once due to a skimmer. Instead, all were due to merchant or card processor leaks. My Amex was hit by the Target breach. I noticed it before Amex did and gave them a call. Amex was good about it — they actually let me keep my # as long as I monitored the account often for the next few weeks. I had a large # of higher $ purchases that were about to happen (new computers for the office) and they hadn’t billed yet so I really didn’t want to have to go through all the orders and change the billing info. Wells-Fargo actually surprised me with their response when my card # got stolen — they geofenced the old card # to where I was going to be for the next 48 hrs until I received my new one. I liked this approach — I still had use of the card and any potential fraud was denied.

                                                                                                                                              Of course, I’ve had false positives on almost every card I have. Amex seems to have the itchiest trigger finger and they’ve balked at everything from my doctor’s office to a restaurant in NYC in the middle of a 10-day stint there. I would have thought Amex would have noticed all the other NYC charges and gone with the flow. At least their Android app makes the fraud alerts painless with it’s “We noticed some charges… please verify yes/no” notices. I got a call from my personal banker @ Wells when I purchased a boatload of emergency electronics parts at 3am. Chase triggered on the 3rd day of having my CSP. Purchases of the day were 2x gift cards from Macy’s, then about $14k at Lenovo, so I guess I can see why they’d be concerned. I just wish Chase’s fraud departments responded faster and handled the situation as smooth as Amex does.

                                                                                                                                              This just happened to me TWICE! Last month someone used my Citi card info to make a small purchase at Nordstrom. I cancelled that card, got reissued a new one, and 2 days ago someone used the new card number at the same location to the tune of $6,000. Now I have to cancel that one too. How does this happen so quickly? Is the data more likely to be coming from a store I visit in person or a site where my card number is stored for auto-payment?

                                                                                                                                              Here’s another new one — this morning at 3:14am, I got an email from Amex saying they had declined a $1409.95 charge at the Apple Web Store, and that if this was a valid charge, to click “verify.” At 5:31am, I received another email saying “Thank you for verifying your charge activity.” The item was charged again, and it went through. When I called Amex about the unauthorized charge, I wanted to know how someone had verified my information? They said they would investigate that and let me know, but according to their records, I received a phone call and verified the information that way.

                                                                                                                                              Obviously, I never received that phone call. I verified the phone numbers on my Amex account hadn’t changed. I have no way of knowing how the scammers verified my personal information, but they must have spent those two hours looking for some personal information about me. Perhaps enough of it is online that they were able to confirm something.

                                                                                                                                              We’ve been cloned now 4 times. Fortunately our bank or credit card companies have caught it before any damage.

                                                                                                                                              There are simple ways to help find the criminal culprits if only all agencies would work together instead of pointing fingers.

                                                                                                                                              One time the criminals made two cards and were trying to use them at the same time in two different stores. One for $3,000 + of clothing and the other for almost $4,000 of jewelry. We got a phone call from our bank within 10 minutes of the person being denied at the jewelry store. We spoke to the store manager and confirmed that they had clear multiple video recordings of the poser. They wouldn’t provide them to the police without a case number. The police wouldn’t create a case number to start an investigation unless the bank filed other paperwork which all stalls the entire process so long that by the time you get a case number the store has recorded over the evidence. Really stupid.

                                                                                                                                              Why isn’t there a database somewhere for people who’ve been ripped off or cloned to enter a list of all places they had recent transactions? This would surely produce correlations with other people and may help find the source of the people cloning our cards.

                                                                                                                                              It happened to me as my Discover card was “swiped” 8 times in distant NJ stores. At the same time my actual card has never left my wallet. Luckily , the Discover fraud department caught the fraud on time and reverse the charges. Interesting thingf is that ll the fraudelent charges were for the same amount ($59.95) – and as per Discover agent suggestions the croos were probably using vending machines buying phone cards or something elese they can re-sell.

                                                                                                                                              My credit card had been hacked and this is credit card fraud on this website (My issue bank told me the merchant), and the amount of money are Euro 2720.32 and Euro 2862.00 respectively. I contacted with it within 24 hours. Then the staff ask me to provide bank statement and first two and last four digital number of the card, it is really funny, when I wrote the email to the website, I have already provided all the information on this card, including transactions (time, total of money, expiration time), and I also explained two times that as I have contacted my issue bank to freeze this card, which means these transactions were regarded as ‘disputable’, so they would not be in my following bank statement. However, I provide a picture which showed the two transactions (every transaction my issue bank will send me a message to notice). I can understand, the bank statement will show clearly the transactions time and the merchant name. Nevertheless, I checked a lot of similar cases, the customer could just provide the transaction information and the card information, then the merchant will investigate.

                                                                                                                                              As this credit card’s issue bank is Bank of China, (but I am stutying in UK now) I have to admit the security is far less than the credit card in Europe, which means if you know all the information in this card (without keyword), you could illegally use this card. However, the credit card system in China and in western countries are totally different. If you cannot cancel these two orders, it’s really hard for me to dispute.

                                                                                                                                              Now I am really worried about it as the merchat is not so responsible and cooperative.

                                                                                                                                              The website is voyage-prive.com.

                                                                                                                                              Get rid of your Macy’s card or Macy’s American Express they are holding us responsible for fraudulent charges (huge) to our card which we did not make in numerous towns in an area we don’t reside in nor have we been to in years and it is hours away from where we live. In addition we were never ever called regarding these large charges made to Zales, Penneys and Nordstroms, hardware stores and a host of other stores. None of these stores asked for ID I would guess and yet they were authorized by American Express. I was not able to access my card account on line before I received my bill so I was unable to see the out of town charges until we got the hard copy bill with the first of the charges made before the end of our billing date and in the next ten days they went on a shopping spree and I still received no calls for the charges. I will never do business with them ever. Their fraud department obviously does not know how to investigate anything. Beware

                                                                                                                                              I was just notified by Discover Card that my credit card number was involved with a data breach and they are monitoring my account, plus sending me a new card with a new number. I asked which vendor/business had the breach and they replied that are not allowed to give me that information! It confounds me that I can’t find out which company had the breach of my information, perhaps what other info was breached (and whether or not I want to continue doing business with them or keeping any credit card info on file with them).

                                                                                                                                              my macy Amex had been so hard on me. someone had use my Amex abroad, in Jeddah(which ive never been to, and i have never been out of the country) and made puchases worth $1000! when i found out about it, i immediately called the CS and have asked me if i had filed a police report about it? how in the hell do i file for a police report when the purchases was made thousand miles away from where i am! and the CS told me to file for fraud, which i did back in August. Cs told me it would t ake about 30 days to get it resolved but when 30 days passed, my account was not still resolved! i called again and now they told me it will take up to 90 days to resolve my case! i have my card with me and never lost it and now i am wondering how were thety able to use my card! I hate MAcy Amex now! as soon as it gets resolve i will definitley close my account

                                                                                                                                              Here in the United Arab Emirates, all cards are chip and pin. In spite of that, my cards were compromised on two separate occasions. In July 2015, someone in the US made a purchase for usd 800 at a Target outlet. That payment went through, but my bank rejected the other successive attempts the fraudsters tried to make.

                                                                                                                                              Today, I was hit again, but in a stranger, bigger way, for usd 2000. It appears to be a network because the first swipe was made in the US, the second large one in India, followed by six swipes in the US. My credit card was maxed out in a matter of 2 minutes!

                                                                                                                                              So…for the second time in 4 months, my Chase Credit Card has been compromised. Here is the thing…I have NEVER used the card. The card has never been removed from the paper it is glued to when it arrives. The first time was approximately 4 months ago. The charges were made in Brazil, and Chase emailed me immediately, closed the account, and issued new cards. The original cards were still glued to the letter they arrived in…and this was a new account that I had just opened in April. Just about 3 weeks ago I received a letter from Chase stating they resolved those charges, and I was not liable for any amounts. Funny how long that took. Today, I received 2 emails from Chase regarding fraudulent charges to online stores. Once again, I have never used the replacement cards, and they, like the original cards, are still glued to the letter the way they arrived. Clearly, there is a problem within the Chase system, be it employees stealing and selling numbers, or employees stealing and using numbers. However, Chase refuses to admit that their system has been compromised, even though they can clearly see I have never charged anything to the cards. Once I get this issue resolved, I am going to notify the Federal authorities of Chase’s issues, and I am closing both of my chase accounts.

                                                                                                                                              They’re working overtime here in Baltimore.

                                                                                                                                              Around the same time, we got our account “stolen” and they did the same thing….charged up some gift cards at the local MACY’S down the street from us, bought some cigs at service stations on the darker side of town, and withdrew some money somehow.

                                                                                                                                              Just happened again and this time, coincidently, the last “legitimate” purchase before the shenanigans began happened at the same place. Hmmmmmm…..

                                                                                                                                              I’m the victim of Home Depot credit card data breach PLUS victim to this guy I let do work in my house for about two hours before I kicked him out feeling very uncomfortable with him in my house. Come to find out he is a fraudster who did five terms for the same stuff. Credit card fraud, bank fraud. GREAT! So I guess what he does is get your account info from Home Depot. He buys online. It was weird that my account I had just about paid off suddenly I’m aware it’s like 5,600.00 I still owe. I guess I have to make a police report but what a waste of time. They never do anything about this stuff really. And then I have this guy burning my house down. I live alone so I do get scared of such things. How did I get this guy in my house in the first place? Good question. I had several people working on my house and okay I might have asked for it. I don’t think all people who go to prison are bad and I had had pretty good luck with the people sent over in past. Nothing serious on their records. No one with five terms for fraud that’s for sure. I believe in giving people a chance but as the world is changing rapidly I guess my ideas on these things needs to change too. I get it. So give me a hard time about it. No, don’t give me a hard time just tell me what I should do, please.

                                                                                                                                              I ‘m dealing with something similar , but the worst part is that the person who committed the fraud is my sister in law.

                                                                                                                                              she used the name of her ex-husband and my husband credit card numbers and “made” a counterfeited new visa Navy Federal credit card.

                                                                                                                                              i found the charges in my husband bank statements, for purchase in groceries stores, Yellow cab, Panera bread and also she paid her phone bill (Sprint). we could collect a few details of each charges and we make a report at the police station.

                                                                                                                                              This is a ongoing problem for me it first it happened with my macys american express they were great and fixed the issue but it happened again which is a pain in my back side and dont get me started with chase uff. I had to close my account with them once everything was sorted out i mean Brazil really i live in ca come on it doesnt take a genious to figure out whats going on here is there any other figgen cards i should stay away from because im worried the next time (knock on wood there is no next time)it will take another year to resolve

                                                                                                                                              I had this same thing happen to me yesterday with my Discover It card. I used it a few times this weekend locally (New Orleans), including yesterday morning, so when I got an email about fraud alert I assumed it was from my own activity and was ok. I thought maybe it was flagged because I hadn’t been using the card much in recent months and then used it for quite a few transactions in just a couple days. Unfortunately, the charge was $500 at a place I didn’t recognize, and all of my purchases had been under $30 or so. When I called Discover, they said it was in Detroit, MI. I’ve only been to Detroit once maybe 15 years ago on a layover, and definitely didn’t have this card then. Then the Discover rep told me it was swiped! I didn’t know they could recreate cards. Fortunately something had tipped them off and they denied the charge and emailed me immediately. As soon as I called them, my account was shut down. I was very impressed with Discover on this. I have no idea where anyone could have gotten my info. I have heard of skimming as gas stations, but I haven’t used my card at a gas station in a couple of months. I did use it once recently outside the country, but that was at a very reputable venue so I can’t imagine why I’d have an issue there either. Regardless, I’m very happy Discover caught this, and it is now in their hands and no headache for me.

                                                                                                                                              Sorry to any of you that might have suffered a loss in your credit card payments which you were not responsible for,this happened to me also my cards were fraudulently used I suffered a loss of over $25,000, during this period my daughter had told me about this fantastic guy that dwas hired to check her company’s breach and also protect their database as it gets breached she described how amazing he did all day, I Asked about his contact and she told me to contact him [email protected] my two cards were used and I gave him my card #pin I saw all transactions and locations and yes it was used by a banker too, I didn’t believe my eyes but yes he ran the information to my phone and I saw it, he told me this happens a lot and banks would give you a false report of what happened at times to protect their bank interests and investor. Long story short I just hired him to clear up the debt I never had from my credit report back and he did and I got me other cards

                                                                                                                                              My back notified me this afternoon that there was suspicious activity with my visa debit card. I have never experienced this before so I am wondering what happens after this? The bank caught it and shut my card down immediately thank goodness. Tomorrow I am to go in and sign fraudulent papers at my bank but should I be preparing to pay those charges until the fraudulent charges are proven that they aren’t my charges?

                                                                                                                                              Last week the police were notifying people in the surrounding areas of skimmers being used at gas stations in a nearby town so i suppose it was possible that they had also moved into our town.

                                                                                                                                              I had also made an online purchase with a website that I have never done business with before a few days ago and have made no other purchases since that purchase…is it possible that that website wasn’t legit? How do you know? I’m a bit paranoid now!

                                                                                                                                              A couple of weeks ago I noticed that someone withdrew $500 from my credit union’s checking account at one of their branches a few miles from me. I’ve had fraudulent activity in the past, but this kind takes the cake. What chutzpah! The credit union would not even give me a hint as to how they could’ve done it. Fortunately they credited me the $500 the next day after I gave them grief. This kind of fraudulent activity is creepy.

                                                                                                                                              August 12th, 2016 Citibank called me to ask if I had authorized several withdrawals the previous day in New York City. I live in California and I told them I did not and had not been to New York, EVER! They said they had put a block on my existing card and were sending me a replacement with a different card number to arrive in 3 days. They said the PIN number would be the same as the original. I received the new card in three days. In eight days I received another card. According to Citibank’s records and my monthly statement this card had the same number as the card used to withdraw nearly $12,000.00 from my checking account the week before. And the PIN? It was a different number unknown to me. How can this happen without being some kind of “inside job”.

                                                                                                                                              Has anyone had any experience of having their card cloned in Singapore airport. If so where did you use your card?

                                                                                                                                              I’m no I.T. tech but I wonder if my recent fraud was the result of (admittedly) watching a couple of movies on free websites such as 123movies or m4ufreemovies. I had no problems with my credit cards until this happened. When a window popped up screaming ‘You may be tracked; all your credit info may be tracked!’ I got off right away. However, it may have been too late. I’ve had two cards replaced due to fraudulent activity – it’s scary because someone in FL used my card to pay his water bill (I’m in TX). Now, I don’t intend to do it again, but please tell me if this is possible!

                                                                                                                                              I worked for Sykes while I was in college. This company is a call center that lends its services to bank of america and wells fargo and others. Yes, 90% of the time when you call credit card companies and insurance companies and etc., the person you are talking to doesnt work for said company, but rather a contractor.

                                                                                                                                              I worked for bof a fraud department, but it was really Sykes as most employees who work for thesw companies have nothing to do with the actual banks.

                                                                                                                                              People treat you like crap, but yes, cards are replicated so easy. Banks keep stacks of blank cards on hand. All you need is one disgruntled employee. People treated me horribly, but they had no idea how much fraud we encountered daily. Though it was embarrassing and inconvenience, and evn though we ourselves had nothing to do with the interventions as we were just call center employees, youd think people would be grateful.

                                                                                                                                              They are fast, though, these card thieves. Sorry for typos. On a device.

                                                                                                                                              To the person above: Yes, shady sites and keeping your card number saved i your browser…. So dumb. Although some dont realize as theyre making purchases that google may be saving it for later.

                                                                                                                                              Visa checkout is free… I stick to paypal amazon and ebay. Otherwise visa checkout, thougb most banks offer their own similar services.

                                                                                                                                              Chips that are encrypted dont help us in u.s. Because we dont use the pin feature yet, in most u.s.

                                                                                                                                              We use the chip and sign. If you enter the wrong pin, denied. Just sign? Totally defeats the purpose. Banks are like oh it cant be read etc., but that wont last, lol. These tech thieves and viral gods are evil nemesis from a comic book. Could be anyone anywhere just spending all day in their moms basements thinking up evil plots.

                                                                                                                                              November 29, 2016 at 1:34 pm

                                                                                                                                              Has anyone had any experience of having their card cloned in Singapore airport. If so where did you use your card?

                                                                                                                                              YES. I was traveling through airport Changi and in Starbucks cafe T2 i bought a cap of coffee and paid by my debit cart Visa. After that I continued my journey. Today I found that from my bank a was deducted 3 transaction from Jakarta ATM where I’ve never been. I didn’t lose my card — I’m in possession of it, and I have no authorized users on it. My bank advisor tell me that my debit card info leaked some how when get paid by card.

                                                                                                                                              I was in a terrible situation sometimes last year. We urgently needed to get a new house, my score and partner’s score too was bad. We tried all we could to get a loan but all effort was in vain due to the bad credit score.An lawyer I contacted to help dispute our collections requested for $1000 upfront, the major credit repair companies gave a year estimate to get us to where we need to be, God so good to us, I later met with a credit score specialist and instructor, he gave me some instructions and requested some information from me regarding my credit score in which I provided everything to him. Luckily for me, this man was able to fix my credit score, I was so amazed because he completely removed all my inquires, collections and late payments, I’m happy to tell you that I’m writing this review from our new house which I wouldn’t have got without the specialist’s help. I know some people out there are in this kind of situation and I would love to help to put specialist’s contact here, You can message him privately on his mail which is hackwiz at protonmail dot com if you like, this help cam at a time I already lost all hope.you can tank me later.

                                                                                                                                              Hello everyone, for the past 6 – 7 months, I have been battling with my credit score because it was very low until i met this hacker through a friend of mine (dhacker at tutanota dot com) He helped increase my credit score from 385 to 850. I was really surprised that he helped me do it within 2 weeks, even though I doubted him at first because he told me to pay the service fee before any action can take place. After I paid, he got my report and in 2 weeks my credit score increased. I am absolutely sure he is not a scam. He is very trust worthy. contact dhacker AT tutanota DOT COM if you need help in increasing your score fast.

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