g********s
发帖数: 3652 | 1 Iris's client, a large Investment Bank that provides corporate, government
and institutional clients with a full spectrum of solutions to their
strategic advisory, financing and risk management needs, is looking to hire
a strong Senior Perl Programmer with Oracle or SQL Server exp for a contract
opportunity.
Our client has offices all over the world and has the global reach, advisory
services and distribution power to meet the needs of issuers and investors
worldwide.
Job Title: Senior Perl Prog... 阅读全帖 |
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B********e
发帖数: 501 | 2 11 Ways To Raise Your Credit Score, Fast
Curtis Arnold Curtis Arnold , Contributor
Comment Now
Follow Comments
A recent survey from the National Foundation for Credit Counseling indicates
that more people would be embarrassed to admit their credit scores (30%)
than their weight (12%).
While crash diets don’t usually work and can be unhealthy, it is possible
to change your credit score fairly quickly. But just as with weight loss, “
quickly” is a relative term. Seeing any improvement could take 3... 阅读全帖 |
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M**********n
发帖数: 4964 | 3 为啥，甜娇这么做也是鼓励大家申请co-brand.
co-brand对甜娇有好处，听说甜娇能分红，你想想，如果你弄个cobrand card,即使这
卡都没在costco买东西，但只要在其他地方花费的钱，citi会分红一部分给costco，而
car issuer也是citi，甜娇属于啥事都不干还分钱。 |
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M**********n
发帖数: 4964 | 4 fidelity amex 2%,其他没annual fee的卡一般都不会超过1%吧。 true earning优惠
不比别人多，没啥吸引costco member的地方，我也没申请，我用没annual fee的
american express blue cash card。
我觉得是american express的问题，如果co-brand card给的好处多了，对american
express本身不一定好，伤害到其他卡，所以american express故意不让这卡太有吸引
力。你想想，如果你开两家一样的餐馆，距离很近，一家是你独资，另一家和别人合资
，你也不想合资的那家做的别独资的好，假设总客源一样，合资的生意红火，抢了一些
独资店的生意，合资的利润要分给别人。
关键是costco不是card issuer，相信反利多少给客户，这方面没多少话语权。 |
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M**********n
发帖数: 4964 | 5 弄个costco自己的debit card。
总之绕开其他card的issuer，把信用卡公司赚的钱分在顾客和自己身上。 |
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s**********d
发帖数: 36899 | 7 平均来说VISA/MC card issuer从transaction拿到大约2%上下。
而现在有不少卡平均rebate能到2%，银行赚钱从利息和各种fee而来。
对于citi这个卡，在非1%的花费上是几乎不可能赚钱的，必须靠1%那些来补，再加上面
提到的各种收入。 |
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n****n
发帖数: 23 | 8 今天被保险公司告知属于preexisting condition，不能给予赔付。自己在网上差的保
险法的相关论述：谁能帮我翻译一下，谢谢了》
The law defines a preexisting condition as one for which medical advice,
diagnosis, care, or treatment was recommended or received during the 6-month
period prior to an individual enrollment date (which is the earlier of the
first day of health coverage or the first day of any waiting period for
coverage)
Group health plans and issuers may not exclude an individual preexisting
medical condition from coverage for more than 12 |
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l*h
发帖数: 4124 | 9 you can go to the website of your insurance issuer and check whether the
dentist is in network. |
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s**********i
发帖数: 711 | 10
federal law says your liability is at most $50.
many cards have $0 liability, as a benefit.
likely the credit card issuers will send you
a letter let you sign stating you didn't spend
the money. |
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C********r
发帖数: 256 | 12 Following infomation gotten from wikipedia.org. The decision of which store
should be which catalog depends on CC issuer
1. Department Store and Discount Store (Superstore)
A department store organizes its goods by departments, such as women's
clothes, home furnishings, electronics, and the like.
Department stores range from collections of elaborate, fancy shops to
practical outlets for ordinary merchandise. They differ from ordinary stores
principally because of their size and range of merchand |
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W********r
发帖数: 12 | 13 http://biz.yahoo.com/prnews/050630/nyth053.html?.v=15
NEW YORK, June 30 /PRNewswire-FirstCall/ -- Bank of America Corporation
today announced a definitive agreement to acquire MBNA Corporation. The
acquisition combines the country's largest domestic bank with a leading
provider of credit card and payment products, significantly enhancing Ba
nk of America's product mix and customer reach.
Bank of America will become one of the largest card issuers in the Unite
d States, with $143 billion in manag |
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z****l
发帖数: 5282 | 14 ☆─────────────────────────────────────☆
zengdl (方鸿渐博士) 于 (Sat Jan 28 09:26:44 2006) 提到:
The number of credit cards per US household: 12 - 13
The outstanding balance held on those cards: $7200
Average Interest Rate charged by card issuers: 18%
Suppose you owe $7200 on a credit card that charges 18% interest,
if you pay only 2% of your balance each month,
it will take you more than 52 years to settle up
and cost you $20531 in interest.
Raise your payment just 2%, to 4% of the balance,
you wil |
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g********e
发帖数: 410 | 15 Visa, MasterCard, American Express, and Discover. 以下简称VI,MC,AE,DI
先说AE 和 DI
AE 和 DI 网是由American Express Company和Morgan Stanley分别管理的。
两公司的主要职能是：
１。发行信用卡（issuing cards）
２。争取商家(acquiring merchant accounts)
(注：现在这两家也授权其他金融机构来发行AE/DI卡)
相对AE/DI, VI/MC有不同的组织形式，他们非常相似
VI/MC是一个卡联和会(card associations)
１。联和会由数以千记的会员金融机构拥有和控制
２。金融机构负责发行信用卡和争取商家
为了可以利用信用卡网络，商家付“折扣费”(discount fee)
为了可以利用信用卡网络，商家付“折扣费”(discount fee)
对VI/MC网，折扣费进了三家的腰包
１。卡联和会(card associations)
２。发卡者（card issuers）
３。商家获得者(merchant acquirers)
折扣 |
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p****x
发帖数: 4260 | 16 ☆─────────────────────────────────────☆
goosegoose (鹅，鹅，鹅) 于 (Fri Jun 29 15:04:10 2007) 提到:
I will basically cover two main points for each stakeholders within a credit
card transaction. What they do? And how can they make money?
1. Card associations:
VISA/MASTERCARD/AMERICAN EXPRESS/DISCOVER
When you talk about those terms, you are talking about “card associations”
. As I said in the first posting, card issuers should be a member in order
to imprint the perspective association logo on t |
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b****z
发帖数: 337 | 17
CREDIT CARD CHANGES
Forty-five percent of consumers said their credit card issuer has made
one or more of the following changes to their account, up from 33% in
June:
Source: Credit.com鈥檚 national telephone poll, conducted by GfK Custom
Research North America Oct. 10-11. Margin of error is +/- 3 percentage
points.
THE CREDIT TRAP
Part 8: As lenders clamp down, credit scores take a hit
Part 7: Courtesy overdraft fees hit credit union customers, too
Part 6: Banks' 'courtesy |
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c*******e
发帖数: 8624 | 18 it's based on merchant category code, how to classify these code is
up to the issuer
用卡 |
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y****i
发帖数: 17878 | 19 "Visa and Mastercard charge a standard 1% “conversion” fee on top of the
wholesale “interbank” exchange rate. Many major credit card issuers like
Citi, Chase, and American Express charge you another 2%-3% on top of that.
You’re losing up to 4% off the bat.
Capital One charges you only the interbank currency exchange rate. They pay
the Visa/Mastercard 1% fee for you, and they don’t have any self-imposed
surcharge. Finally, this specific card gives you 1% cash back on all
purchases (2% for groceri |
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a***i
发帖数: 1517 | 20 需要从加拿大订个东西。我有BOA、Citi和Chase的信用卡和银行卡，还有discover信用
卡，不知道用哪张卡foreign transaction fee会低一些？
我google了一下，好像discover是2%，而citi和chase都是2%的issuer fee加1%的
master/visa fee，不知道后两个是否意味着如果用银行卡，就只收2%？
我没有capital one的卡，所以这个就不讨论了。
谢谢。 |
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i****4
发帖数: 1906 | 21 TERMS AND CONDITIONS OF OFFER
• This offer is only valid for new accounts. You must be at least
18 years of age. If you are married, you may apply for a separate account.
Citibank (South Dakota), N.A. ("we" or "us") is the issuer of your account.
https://www.accountonline.com/ACQ/DisplayTerms?sc=4D3Z8UV9X000MDL780W&app=
UNSOL&siteId=CB&langId=EN&BUS_TYP_CD=CONSUMER&DOWNSELL_LEVEL=2&BALCON_SC=&B=
M&DOWNSELL_BRANDS=M,M,&DownsellSourceCode1=4D3Z2UU9X000MDL780W&B1=M&
DownsellSourceCode2=4D3 |
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i****4
发帖数: 1906 | 22 Issuers have been calling consumers asking them to opt in for over-limit
fees in exchange for lowering that fee, says Chi Chi Wu, a staff attorney
with the National Consumer Law Center, a consumer advocacy group. What they'
re not saying is that if people don't opt in, the transaction will be denied
and they will not be charged over-limit fees in the first place, Wu says.
Chi Chi Wu 吴迟迟？ |
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M**********e
发帖数: 211 | 23 申请到citi checking最后一步看到这个
Citibank Online Credit/Debit Card Deposit Form
Keep this in mind when using a credit or debit card to fund your account:·
Your credit card issuer may regard this transaction as a cash advance or a
purchase and impose a fee. Check your cardholder agreement for details.
这样说来不是credit card公司来定purchase/cash advance?
confused..
嗯，俺也jump了一个20000 thank you points的offer，不过貌似狠麻烦
而且average balance要6k才免monthly fee |
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y****n
发帖数: 3697 | 24 多谢各位，明白了。的确是目前申请到的最好的卡，希望不issuer将来不要随意修改了 |
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y****i
发帖数: 17878 | 25
count as part of your BT
minimum
not sure, check with your card issuer |
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k***x
发帖数: 6799 | 27 大概9个月前被额度降到$300之后，再也没有用过，结果今天收到equifax的alert，进去一看居然被
关掉了。请问一下account closed by credit issuer会不会影响记录，如果影响的话我得去
argue一下。谢谢！ |
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b**********y
发帖数: 2718 | 28 credit issuer, bought by Chase |
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p****x
发帖数: 4260 | 29
细节决定问题.你还是问详细了再来回帖吧.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~这还算不久?
对于lost or stolen card来说
Your loss is limited to $50 if you notify the financial institution within t
wo business days after learning of loss or theft of your card or code.
But you could lose as much as $500 if you do not tell the card issuer within
two business days after learning of loss or theft.
If you do not report an unauthorized transfer that appears on your statement
within 60 days after the statement is |
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g*********s
发帖数: 1782 | 30 饱乐请指点。这是你的原话，在三万那个楼里的。
对于lost or stolen card来说
Your loss is limited to $50 if you notify the financial institution
within two business days after learning of loss or theft of your card or
code.
But you could lose as much as $500 if you do not tell the card issuer
within two business days after learning of loss or theft.
If you do not report an unauthorized transfer that appears on your
statement within 60 days after the statement is mailed to you, you risk
unlimited loss on transfers made after |
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y****i
发帖数: 17878 | 31 1, but there are exceptions, so check with your card issuer |
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a******n
发帖数: 148 | 32 我最近也被什么mni creditreport.com charge了14.95。我从来没有给任何什么credit
report机构我的卡号，也从来不知道这个网站。这都是典型的欺诈。google一下就知
道了。发现被charge之后立马和credit card issuer dispute，要那个扣我钱的联系电
话，我打过去，好半天才有人接，投诉之后，他们态度很差，后来又说可能是别人盗用
了我的信息，都是胡扯。让他们立马cancel，并且reverse charge。搞定之后又去
departmen of justice去举报了这家公司。
网上都有如何对付这种诈骗公司的流程。被扣钱之后千万不要看钱少就那么算了，很多
公司会让你觉得是你没有认真看terms，实际上明明是他们盗用了你的信用卡，这种
charge都是unauthorized。如果受骗不举报会让这些公司骗更多的人~~ |
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y****i
发帖数: 17878 | 33 I used to say "no" as well, but recently I noticed both Citi and AmEx seem
to allow this.
call your CC issuer before you try. |
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p****x
发帖数: 4260 | 36 Quote from cysd :
I have this card and the reward is probably among the best I've seen for a c
ard that does not carry an annual fee.
Be warned that this card is issued by FIA Card Services, aka MBNA before the
y got acquired by BofA. And AMEX is only doing the transaction processing (l
ike Visa or MC) for it. So all your past (mostly positive?) experience with
straight AMEX cards may not apply.
Over the years I have had many AMEX cards (Gold, Delta SkyMiles, Fidelity Go
ld, Costco TrueEarning,... 阅读全帖 |
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y****i
发帖数: 17878 | 37 it is the airlines who market these co-branded credit cards
yes, card issuers purchase the miles from the airlines for several cents on
the dollar, but it is the airlines who decide when and how to run these
promotions |
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f**********n
发帖数: 3081 | 38 这样不正常. capital one一直是3家都pull, 所以capital one其实是capital three.
其他credit card issuer都是pull 一家.
credit line，胸闷啊 |
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g**n
发帖数: 25142 | 39 版上TX看看，有问题吗？
1. 谁保存我的信用记录？
在美国有三家credit bureau。它们是Equifax, Experian和TransUnion。
Equifax
P.O. Box 105873
Atlanta, GA 30348
http://www.equifax.com
(800) 685-1111
Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-2104
http://www.experian.com
(888) 397-3742
Trans Union
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
http://www.transunion.com
(800) 916-8800 or (800) 888-4213
2. 信用报告里有什么？
个人信息：
姓名、社会安全号、生日、现住址、以前的住址、雇主信息等。
信用卡、房屋贷款、分期贷款：
帐号、状态、开户日期、余额(balance)、
信用额(Credit Line or Cre... 阅读全帖 |
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s**********g
发帖数: 14942 | 40 长期不使用一张信用卡 让issuer不高兴 有概率被关卡
那时候就影响信用记录了 |
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y****i
发帖数: 17878 | 41 the CARD Act says any excess payment goes to the balance with the highest
rate
card issuers can still allocate the minimum payment to the balance with the
lowest rate
read the fine print about payment allocation |
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O******3
发帖数: 988 | 42 我也学习去登记了一个， 注册完登入帐户看见说you can receive and send up to $
1000 per day, $2500 per month, 用cridit card试了一下pay $2000, 显示no fee,
有一个message 跳出来说 Your issuer may impose a cash advance charge for
loading your wallet from a credit card.
这是否说我每月可以用信用卡免费付$2500? 信用卡公司会收cash advance fee? |
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k***a
发帖数: 1104 | 43 申请批了， 帐户就开了。 卡不Activate， 帐户一样是开的。 当然要收费。 不知
CHASE 有没有把LATE OR DELINQUENCY 报告了没。 看来是没有报， 只是关卡了。 不
过信用记录应该有污点了， 起码 ACCOUNT CLOSED BY ISSUER.
再说一遍， 申请卡， 批了后， 帐户已经开了， 你ACTIVATE 只是ACTIVATE 卡， 不
是ACTIVATE 帐户。 |
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n******l
发帖数: 4407 | 44 1. 同一地址，不同名字可以从一个人付给另一个人吗？
2. add money from cc的时候显示 “Your issuer may impose a cash advance
charge for loading your wallet from a credit card.”
chase sapphire会charge cash advance fee吗？
包子答谢谢 |
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m******7
发帖数: 489 | 45 我用serve。com link了自己的credit card,正准备从credit card里add money的时候
，蹦出这个哥对话框“Your issuer may impose a cash advance charge for loading
your wallet from a credit card.”，是说，用信用卡fund account就会被算作取现
吗？谢谢。
PS：我用的chase sapphire preferred
希望知道的人指导一下，谢啦 |
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i**y
发帖数: 1339 | 46 automated clear house
paypal当然可以fund你的account，是不是DD给不给bonus看issuer了 |
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s**********g
发帖数: 14942 | 47 24 months to complete remove the impact
at least 3-6 months for the credit to recover, also depending on credit card
issuers
because even if ur credit score recovers, the hard pull is still visible and
CSRs need to evaluate the risk |
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g*****i
发帖数: 4457 | 48 unless add her as joint acct holder
but most of the cc issuers r not doing this
u can try chase |
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b***i
发帖数: 1099 | 49 我用shell GC也是经常遇到问题，老显示call card issuer。我就打卡背后的800电话
，跟csr说，卡被locked了，让他们给unlock。有的卡，unlock之后能用了，有的卡
unlocked之后还是不能用，然后再打电话，csr说，他们也不知道为什么不能用，卡已
经unlock了，建议换一家加油站加油。后来我换了一家加油站，就可以了。
用shell GC真的很烦，我在不同的加油站加油都遇到过问题，想换exxon的了。 |
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a*******d
发帖数: 4846 | 50 用CC load money，收到如下警告：
"Your issuer may impose a cash advance charge for loading your wallet from a
credit card."
正常，不正常？ |
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