asked:


My company recently had a glich in the system with processing a specific type of credit card. Part of my job was to call the different customers of whoms credit card did not correctly process. This list went back six months. As you could imagine, everyone wasn’t exactly peaches and creme, but most understood. However, I ran across one customer I have no idea how to handle. First, my company does not keep complete cc info on file. So, I had to re-collect the complete cc info again. this customer was very inquisitive to say the least. she wanted to know why the cc did not process. I tried to explain to her that a third party vendor processes the payment for us messed up. cust was extremely upset by this. wanted to know why we didn’t call the credit card company ourselves. attempted to explain that everyone uses a third party vendor, cust didn’t understand and was very upset with this fact. she interrupted me several times exclaiming “I don’t want to know what other people do, I want to know what you do!” she insisted on the name and number of cc processing company. when she asked for my number I tried to give her our sister companies number (as they carry the name she is used to hearing) number to reassure her I did in fact work for the company. She had expressed concern that she didn’t have any service from my company. I explained we were merging/sister companies. When I tried to explain why I was providing her with our sister companies number and my extension (to make her feel comfortable) she proceeded to instruct me not to tell her this “speech” again, that this made her feel even more uncomfortable. After she told me this, she curtly said good-bye and disconnected the call.
How do you handle this?

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Peusyphart asked:


I’m looking for a credit card with no apr for the first year. I have a job and a credit card alredy, paid in full every month, but have been declined for two new credit card applications with different banks. Would I be able to get a zero % apr credit card with my parents as a cosigner?

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hungryhart asked:


Several years ago I developed a chronic medical condition,lost my job & was unemployed several years. I used my savings to pay my credit cards until I missed 2 payments in a row. I contacted the credit card company, worked out a deal to pay them back.
I am now employed, current on my bills & have been for several months even though they are charging me an usurious interest rate 29.95% I believe. I have not used this card since several months before my missed payments. I contacted the card company to lower this amount but they refused.
What are my options?

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Thomas asked:


i just got hired for a job and i was wondering if i can apply for a credit card at only 16.

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freak asked:


I lost my job and I would like to withdraw from buying a property for which I have already paid the down-payment. Do I have the right to demand for at least some of the monies I have put in?

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baggage asked:


I’m 19 and I’ve been using my debit card for about a year now. I applied to get a credit card from my bank (Washington Mutual) but they didn’t approve it. Where else should I apply for my first credit card. Everytime I apply for other cards like macy’s and Kohl’s they don’t approve it either. What can I do? Thanx in advance
I do have a job and my monthly income is about 2000

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4urinfo asked:


I just lost my job and I have no savings at all. I’ve been paying the minimum payment for my credit cards but now I can’t no more. I’ve always been responsible with my bills but I came to this that I have no job and don’t know what to do. Just wondering besides getting bad credit what else can happen. Thank you.

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Kittykat asked:


Okay so i just turned 18 like a month ago and I need to establish credit because I have none. I do know that in order for you to get a credit card you have to have a job. Well I have one now and I need to know how to apply for a credit card. Can I do it online? Or should I just go to a bank to get a credit card?

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JP asked:


I recently had to defer my salary at my job for an extended period and cannot afford to pay my credit card debt. What should I do? A friend advised me to not make the next payments and negotiate with credit card companies on the debt. Is this wise? Would you advise I do something else? Thank you.

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stan450z asked:


I am a senior in college, I have no job now as I am finishing school. I start work in June, and I actually have good credit, over 700, and 5k in credit card debt. I’ve paid my bill in full always in the past until my last killer spring break. Debt settlement sounds cool to cut the debt in half which I would pay off with a lump sum, or should I just stomach it for another month where I can pay it all off entirely in full. Thanks.

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