Two cycle billing by credit cards?
461423
I checked out  http://www.bankrate.com/brm/news/DrDon/Dr.Don_19990903.asp to double check on what you mean by two-cycle billing.  Yuck.\n\nNo, the interest calculation is always going to be the average balance over two periods - not one.\n\nYes, there's still a penalty to you on the two-cycle method versus the average daily balance method - at the same interest rate. Let's say you're paying $200 a month and not charging anything.  You're paying interest on an additional $100/month this way, since the interest is charged on the average over two cycles, and that average is $100 higher over two months than one.  \n\nWhere you may benefit is if this 4.9% APR is a lot lower than what you can get on an "average daily balance" card. That extra $100/month you're getting hit with interest on is costing you about $5/year (ignoring compounding).  If you're saving more than that on the rate it's a good deal - as long as the rate stays low. Once the teaser is over, you may be paying the same rate (or higher! - depends on the terms) on this card as with the daily balance one.
89095
They will charge you. But if you explain that it is unjustified they will refund both overdraft fees.  If the customer service rep doesn't understand, talk to the supervisor.
643722
cancell the card like now...and check if they billed you. If they did report as fraud. Get a new credit card
287928
The bottom line is you need to know some terms before agreeing to either the credit or debit card. You should know as a minimum: \n\nCredit Cards\n1)the annual percentage rate(apr) _ The annual percentage rate--APR--is the way of stating the interest rate you will pay if you carry over a balance, take out a cash advance, or transfer a balance from another card. The APR states the interest rate as a yearly rate. )\n\n2)grace period to pay the full balance without being charged interest(The grace period is the number of days you have to pay your bill in full without triggering a finance charge. For example, the credit card company may say that you have “25 days from the statement date, provided you paid your previous balance in full by the due date.” The statement date is given on the bill. )\n\n3)if there are any fees(Most credit cards charge fees under certain circumstances eg annual fee, cash advance fee))\n\n4)how finance charges are calculated (The finance charge is the dollar amount you pay to use credit. The amount depends in part on your outstanding balance and the APR. )\n\n5)if there are any transaction charges for such things as balance transfer, late payments, cash advance, going over your limit, etc. \n\n6) Credit limit (The credit limit is the maximum total amount--for purchases, cash advances, balance transfers, fees, and finance charges-you may charge on your credit card. If you go over this limit, you may have to pay an “over-the-credit-limit fee.")\n\n\nDebit Cards\nWhen you pay with a debit card, the money is automatically deducted from your checking account. \nMany people prefer debit cards over checks for two reasons:\n\n-You don't have to carry your checkbook and present identification, but are still able to make purchases directly from your checking account. \n-You pay your bills immediately, unlike when you use a credit card and get the bill later.
756299
The easiest way to do it is to apply for a new card and fill out the section of the application that deals with transferring the balance on your "old" card.  You'll have to give them your credit card number and the amount you want paid.  If you already have two cards, you may be able to pay the bill over the phone or online.  Best way to find out is to contact the company that holds the credit card you want to pay off and ask them if they'll accept another credit card for payment.  If all else fails, you may be able to take out a cash advance on the other card and use the cash to pay the bill on the card you want to pay off.
5578
Notify your credit card company of the unauthorized charges and have them issue a 'stop-payment' on any further charge attempts....
38408
There isn't.  to both questions.  You'll pay later one way or another.
74690
If you paid with a credit or debit card I would call the institution that supplies that card.  However, since it has been over a year they may not be able to dispute the charges.  You may need to speak to an attorney if the product was worth the value!
1128281
usually no extra charge, just counts the min. like 2  calls...unless u have a diff. plan
952031
Absolutely! It costs them money to accept your card. Also the fees change depending on if the charge is rung up as debit or credit. A local store owner explained to me that for sales below about $20 US, the debit card had a smaller fee. Sales greater than that and the credit charge costs less. \n\nI think we should work with businesses to help them keep costs down for processing plastic transactions because ultimately those extra fees are added into  the cost of the product. We will pay for it one way or another.
439877
Depends on the company offering the card.  Check your cc info or call company rep and ask them.\n\nRival
376623
It's probably a cost thing.  Each company charges a small fee, so maybe mastercard raised its fee.
1145727
You can get one done but it won't show much.  It is a wise idea to open one or two credit cards and then charge something and pay it off promptly.  If you ever want to buy a house or a car this will help you more than if you have never charged anything. You see, they want proof you are capable of handling credit.
948264
No. End financial result will be same as if no transactions ever took place. For the merchant, for the card issuer and also for the customer, there would be two transactions each: one credit and one debit for the same amount.
564383
ARe you talking about "Kiting" I use one credit card to pay off the balance of another credit card , so I really do not have to make a real payment until I want to. Now that is using credit when credit is DUE!
845814
Usually 3 payments . One at september , january and april
51510
https://www.ezcardinfo.com/\n\nPlains Comerce Bank uses this service to handle thier payments.