What do employers look for in a credit check?
My son's father lost his job a while back and as a result I had to handle all of the financial responsibilities(daycare and things like that). I now have 2 delinquent credit card accounts. However, my car note is always paid. Would those delinquent credit cards cost me this job? The job entails handling about 300-400 dollars once a week.
Do Credit Card companies call your Employer?
I need to know whether to let my employer know that my credit card company is going to call to confirm my employment or not so they don't think a random person is just calling to get information about me (i have to fill out a form for review so its a hassle).... When i signed up for a credit card it asked me not only for the company i work for, but also the employer's phone #. That's not a problem but can someone tell me, what do credit companies do with the employer phone number .... do they actually call to confirm my employment with them, or do they just use it to spam my employer on my behalf :-( ?
How long after a job can I apply for a credit card?
They usually just verify employment, I don't think it matters how long you've been there. What matters most is your credit score. Check your credit score, and see if it's good, and if not, take steps to improve it. But don't get store credit cards like Best Buy. Just get a major card, and put your purchases on that. Discover is a good first card to get because they aren't as strict as some of the other major cards. But contrary to what some people say, to build up your credit, don't pay it off in full every month. The card companies want to know they will make some money off of you, so carry a small balance, and for the first few months, just pay off half of it, and then after a few months start paying it off in full.
If I apply for a credit card while I just started a new job, do I use my old income or new income (even though I haven't received my first pay check)?
You use whatever income you want to be considered for repayment of the card payments. Reality is that credit card companies do not have a way to actually check your income amount. You can say whatever amount you want. The only way they track is through past credit behavior to get a general idea of how much you spend. They have algorithms that shows how much a person makes based on how much they spend. But for now, you can say whatever number you choose. The higher the number, the higher your credit limit depending on your credit score of course.
Can you be fired for not pushing credit cards on customers?
My boss and managers are harassing me to push the company credit card on customers----even if the customers say no. Seriously, if my boss is near and a customer says no, he begins antagonistically telling them all about the credit card, which has a ridiculously high interest rate that will defeat the 10% discount and then some if not immediately paid off. I'm getting really sick of it and am already searching for another job---preferably one that doesn't aim to increase national debt. I would just like to know that I can't be fired for not harassing the customers like my boss does. If I were one of the customers my boss harasses, I would tell him to swipe his a$$ with the credit card and leave the merchandise on the counter! But I'm hoping I can use that line if he pushes me to give my two weeks notice a little earlier than I anticipate. I realize it seems I'm blowing this out of proportion, but I'm anti-fake money and I don't like being forced to lie to a "valued" customer to make the daily credit card quota. Taking advantage of people like that is evil. btw, I report spammers, so don't even try it.
How does your credit score affect employment?
Look at it this way, credit reports are a lot like report cards were back when we were in school only instead of showing how well we are doing in our classes they show how responsible we are in handling our credit. When potential employees see things like charge offs, late pays, collections, law suits, bankruptcy's, foreclosures, tax liens, judgments, repossessions or back child support they know they are looking at someone that is not very responsible. As much as I really don't agree with this practice when you consider the huge amount of money that employers invest in training employees I can understand why if they had 2 to choose from and 1 had good credit and the other had bad they would tend to go with the 1 that had the good credit. Especially if the position involved handling money or inventory.
Do credit card companies call your work when you apply for a credit card?
They are looking for additional contact info in case you default.
Legally, if a stolen credit card is used at a store can you demand the surveillance camera footage?
To the best of my knowledge, it may or may not be a law, depending on which state you reside with. You need to contact your state's Dept. of Consumer Affairs to see if state law mandates that they check identification. However, every credit card company does have a policy that merchants are suppose to check the customers identification when making a credit card purchase. If they had not checked for identification, then they're liable in a civil court for violating the credit card companies' policies. Sounds like this merchant wants to make a sale at any cost, even if its a stolen credit card. You can sue in small claims court (to keep the lawyers out of this) on grounds that the merchant failed to abide by the terms of the credit card company that he was suppose to check for identification. Get document proof of this by contacting your credit card company and getting their merchants' policy on how to process credit card sale. You may try to argue that his failure to cooperate is aiding the thief in his operation, which makes him an accessory to the theft of all the personal belongings. A legal trick to pressure him to release the video is to throw in "punitive damage." Say you lost $500 in stolen property (your actual damage), which you'll prove by showing all your pass receipts, or receipts of everything you've spent to replace these stolen items. If the small claims court has a maximum of $3,000 claim, you'll now throw in $2,500 in punitive damage. The merchant will be pressured to fully cooperate with you, or he will risk having the judge give you some or all of your damage claim. If you can afford an attorney, then you can claim a bigger damage and file a civil lawsuit, because the merchant had failed in his duty to deal in good faith with the general public. He has a moral and legal duty to abide by the credit card companies policy to check identifications, which he had violated. You should also consider filing a formal complaint with the credit card company to have this merchant's credit card privilege suspended, or at least amend his contractual terms so that he's paying a higher interest rate commission, because he's proved himself to be a high-risk merchant who accepts stolen credit cards.
When you apply for a job at Time Warner Cable Co., do they pull your credit report?
Yes, some employers will pull a credit report. However the information they can access is limited only to certain details relevant to the job being applied for.