Can we have credit card without having bank account?
The two way how I am understanding your question is:Do you need to have a bank account with the same Bank from whom you want to have a credit card? If this is the question, then the answer is No you don't need to have a bank account in the same bank from which you want to have a credit card.Do you need a Bank account at all, in any bank in order to get a Credit Card? If this is the meaning of the question, then the answer is YES, you need a bank account to get a credit card.Basic stuff on getting a Credit Card: To get a Credit Card, you should have a good Credit Score ( CIBIL ) & Income proof. And both of these things cant be acheived in actual, if there is no Bank account at all.Advanced Way on getting a Credit Card: You can opt for a Credit Card even if you don't have Credit Score ( CIBIL ) or bad credit score. And yes you wont need to show your income proof too. Banks Offer this product: SECURE CREDIT CARD, which is commonly known as CARD AGAINST FD.In this situation, you will have to create a FD with the said BANK & then you will be issued a Credit Card in lien with the FD with upto 80% or little more. This FD Cant be taken out by you until you don't clear off the dues of the credit card.But in this product of Credit Card (SECURE CREDIT CARD) too, you need to have a bank account to create a FD or some sort of account. Without Banking, you cant do any bank related stuff. And thus its important.Also, I read a answer from someone else here regarding PRE-PAID cards. Logically he is correct on the same, as the technicality/charges/functional behaviour of Prepaid Cards has Credit Card mechanism (Does not apply for all the pre-paid cards though). But Pre-paid card’s has their own limitations and cant actually be getting all the facilities of Credit Cards.Most Importantly, if you are opting for Unsecured ( Normal ) Credit Card with CIBIL & Income Proof or you are opting for Secured Credit Card, the transactions done on both & their due payments once are paid, are listed in Credit Union ( CIBIL ) and it slowly enhances your Credit Limit. Any other form of card does not help you on the same.Hope it helps.If there is any query, concerns, advises, please do not hesitate to write. Would love to learn more on this with you.Cheers!
How long does it take GameStop to credit your bank account after you return your item?
All depends on how long it takes the credit card server to process the batch. Can take days.... before you see that refund on your account. Make sure to keep the refund receipt.... and if nothing happened in a week you can call your bank and have them investigate what holds up the refund. Sorry... for some strange reason the credit card servers that process the transactions seem to take a long time when it comes to credit a refund back to an account. It has nothing to do with GameStop... they did their part. Now it is a deal between the banks. (and the longer they can hold onto your money... the more interest it makes them)
What happens if I lie on a credit card application?
You know; I've got that master card with the low interest. I EARNED IT!!! I got my first cc from my bank in which I usually had $3500 in my savings account. I was going to buy a Gateway computer and wanted to just put it on a cc. They gave me a cc with $500 of credit on it; just about what the monitor cost back then. I used it once a month and paid the bill in full and on time each month. After about 6 months my credit was raised to $1k and I continued to just buy a tank of fuel each month with it. I now have 5 credit cards for various reasons but only use 2 of them on a regular basis. Chase 17,500 Chase 8,000 Citi 20,000 Menards 15,000 GM Card 15,000 No card has an unpaid balance. Not too bad considering I have about 80k of income per year. When I got my first cc I only had about 12k per year of income. As for a good lie: I know a man who got a felony, spent 9 months in prison, and after filing chapter 7 now has to repay $200,000 of business debt. All that because of a false Balance Sheet.