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They'll really look for ways to rob unsuspecting consumers. It's their way of life, so I believe the only way to stop them is to be proactive in protecting our personal info.

Most of the time, the little things that go unnoticed are really those that can help with big savings.

Let's hope it can be a long-term solution.

Does applying for it have very strict requirements?

I love online shopping. :cool:

If it roots up fraud, them I'm for it. :)

Thanks for the insights smcc. :)

yeah, I read from an article that most shoppers now prefer to use credit cards to buy things.

Is there a fee everytime I get my score from each agency?

lol! what a catchphrase Meya. :laugh:

I believe everybody checks on anybody asking for credit. :)

I just bumped into a long lost friend the other day and decided to talk over a cup of coffee. We catch up on our common friends and acquaintances and life in general. She later shared with me her...

So how will you pay you're student loans Meya? Or am i just as confused as you are?:white-flag:

My friend was so surprised yesterday when she learned that her credit card application was turned down because of a low credit score. Does it mean she already has a credit card? She haven't had any...

Is there a Chapter 15 bankruptcy filing? I only know of Chapter 7, 11, and 13. :

* Chapter 7 -- can be filed by anybody. It's severe for unsecured creditors because get paid only after secured...

It depends. If your card still has a balance, your debt ratio will be affected. But if you make timely payments without adding new debt, the effect on your debt ratio will be temporary. The debt...

What happened just proves that if there's not a lot of human interaction with the system, there will always be a time that it can get away -- out of control. I think that's one thing that can be...

I agree with Colo. It would be one more reason to steal celphones. It's scary thinking about it because other people may lose their lives over a celphone that may not even contain details of their...

What if an applicant who does not have that much income but discloses a certain amount so that he/she can be approved to start with a higher CLI? It's possible that one can get away with a false...

That's great! HSBC's also doing that but I'm not sure if it's every three months.

Good reputation is the result of great customer service. :) Visa and mastercard are really good at settling disputes.

http://www.financeglobe.com/Finance/Articles/articles/409/1/Credit-Card-Interest-Rate-Reduction-Scam/Page1.html

I wouln't trust a third-party to negotiate my credit card debt with my issuer....

Good for you. :) So, they really don't need you to send any documents verifying your actual income?

Since you get a regular CLI from Citi, does this mean that you don't carry any balance?What's their criteria for giving CLIs?

Looking on the bright side, I think the decrease in household formation has increased the possibility of individuals responsible in handling their finances.