General credit card application background & application questions, aka Do Banks Hold Grudges?

Hey all,  Background first -  After several long years of rebuilding and waiting patiently for my previous transgressions to drop off of my credit record, I'm nearing the end of the process. I currently have the following on my credit reports:
Experian: FICO 720, 1 inq from 8/26/2013, no other accounts showing, no negative items.   Transunion: 669 Vantage. No inquiries. One active installment account paying on time as agreed (rehabilitated student loan) , one closed installment account (transfer of said student loan, no negative status). 1 derog revolve, 1 collection.
Equifax: 696 (type unknown). 1 inquiry (Comcast) from October. 1 collection account  Short summary: Student loan lender tranasferred my account, hence the 1 closed acct and 1 open. My first credit card from when I was young and stupid was originally a WaMu (bought by Chase, so shows as Chase of course) with a last payment date of 7/29/08. Then there's the attached collection account from this. Presumably both of these will be disappear within the next couple of weeks since Experian is not showing them.
I cannot explain why Experian doesn't show my ACTIVE student loan but I imagine that'll fix itself since hte transfer was just last month.
So, on to the question:
Here's the question I have: I'm going to be applying for a credit card soon to start building more credit, and I conceptually like the idea of getting the Chase Freedom card over the Capital One Quicksilver One (which I seem to be prequalified for)… but even if I wait until after all of my CRs are not showing the Chase account, do I have to worry about any sort of internal flag in Chase's system that might get me denied anyway?   I'm not married to the idea of a Chase card, so I'm more than open to suggestions and discussion on the subject.
Thanks in advance for your help!

sngoid123 wrote:
Hey all,  Background first -  After several long years of rebuilding and waiting patiently for my previous transgressions to drop off of my credit record, I'm nearing the end of the process. I currently have the following on my credit reports:
Experian: FICO 720, 1 inq from 8/26/2013, no other accounts showing, no negative items.   Transunion: 669 Vantage. No inquiries. One active installment account paying on time as agreed (rehabilitated student loan) , one closed installment account (transfer of said student loan, no negative status). 1 derog revolve, 1 collection.
Equifax: 696 (type unknown). 1 inquiry (Comcast) from October. 1 collection account  Short summary: Student loan lender tranasferred my account, hence the 1 closed acct and 1 open. My first credit card from when I was young and stupid was originally a WaMu (bought by Chase, so shows as Chase of course) with a last payment date of 7/29/08. Then there's the attached collection account from this. Presumably both of these will be disappear within the next couple of weeks since Experian is not showing them.
I cannot explain why Experian doesn't show my ACTIVE student loan but I imagine that'll fix itself since hte transfer was just last month.
So, on to the question:
Here's the question I have: I'm going to be applying for a credit card soon to start building more credit, and I conceptually like the idea of getting the Chase Freedom card over the Capital One Quicksilver One (which I seem to be prequalified for)… but even if I wait until after all of my CRs are not showing the Chase account, do I have to worry about any sort of internal flag in Chase's system that might get me denied anyway?   I'm not married to the idea of a Chase card, so I'm more than open to suggestions and discussion on the subject.
Thanks in advance for your help! Welcome to the forums. Absolutely have to worry about being on Chase's blacklist. Doesn't matter if the account shows in your reports or not. They have a long memory, long after it drops off your reports. Only way to know is to apply but without having any current credit card accounts I don't think your chances are great. Definitely look into Capital One by checking their pre approval site. I'd start by applying with them and build your file for bit before even trying for Chase

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I would like to inform you that my account suspended and I can not update applications have been refused my credit card and when my review of a bank to get the reason for the refusal card, the bank employee as explained by you please do me a proper soluti

I would like to inform you that my account suspended and I can not update applications have been refused my credit card and when my review of a bank to get the reason for the refusal card, the bank employee as explained by you please do me a proper soluti

We are all itunes users just like you. Informing us is of little use.
Contact itunes support

HT3702 My bill is 7.44 but I was charged that same amount twice on my credit card, I'm wondering if that's a hold that's gonna clear or a mistake?

My recent bill was 7.44 but I was charged the same amount twice on my credit card, I'm wondering if that is a hold that's gonna clear or a mistake?

Go here:
http://www.apple.com/support/itunes/contact/
and follow the instructions to report the issue to the iTunes Store.
Regards.

Extra bucks deducted from my Credit card even no application purchase made

Hi I am Chetan Lashkari, recently I have bought 2 application from app store.
1st one is FIFA 2013 @ Rs. 55 but after purchasing I have receive a message from my bank saying Rs. 60 has been debited from your card ending with 9204 in iTunes.com at Apple itunes Store.
Another application I have bought is NFS Most wanted @ Rs 55 on 07 JAN 2013, this time apple deducted Rs. 55 but yesterday 09-JAN-2013 I have received a message from my bank again that Rs. 55 has been debited from your card ending with 9204 in iTunes.com at Apple itunes Store.
What kind of service apple is providing I dont understand and brand like apple using this kind of thing unbeliveable.
Hope apple will refund me my Rs. 60.

Hi,
Guide me.
I am new user. Registered with my Visa Credit Card. I just created new account and given my credit card details and downloaded Viber (free app).
But I recieved 5 sms stating that I am charged Rs.60 (x 5times = Sum of 300rs.)
Yes, I changed the card details. Initially it was with my brothers card, and When I created new ID, I have given mine. But After creation I got charged.
Will I get waived off?

Why do i need a credit card for all applications?

Why won't apple let me buy my update if i have only itunes cards? I don't understand the point of using a credit card even for buying the applications? There still getting my money and I've read other posts and topics and other people are being aloud to buy it with there itunes money... Why can't I? That doesn't really seem fair to me and I've also read that people who've had there money in itunes for a longer period of time are able to pay with that but i added my money in yesterday... How long do i have to wait before i can give apple my money or do i have to use a credit card for all my purchases? By the way... I'm only 15 and can't get a credit card, So am i going to have to ask my parents if i can buy everything from itunes with there money and pay them back? Because i just wasted $20 on itunes. Thanks Apple

Talked to Apple and apparently it's only a canadian problem and it has something to do with our government taxes. So that means that the only way to do it now is to have a credit card. That still makes no sense to me because we're aloud to purchase music and other items such as ipod games and there technically applications but apparently there not? And the stuff in the App Store is applications, Why can't i just buy my update?

Need credit card for apple application.

hi! i cannot use my account in apple because it need a credit card for payment, but i dont have any credit card.. i follow already your instruction on how to fill-up for no need credit card... but it different from your application.. no NONE selection will appear, only mastercard, visa, and am. express.. pls. help me..

If you only want the free apps, take a look here:
http://support.apple.com/kb/HT2534
Read the steps carefully as the order in which you follow them is critical. If you don't follow them exactly as given, it won't work. Note that you can do this only when creating a new Apple ID. You cannot use an existing ID.
You will of course not be able to get anything other than the free apps without entering in some sort of payment method (credit card, prepaid iTunes card, gift certificate, etc.)
Regards.

Why i cant pay by my credit card? The application said to me check with itunes support to complete your transaction

I try to pay by my credit card but my transaction not completed please help me as soon as possible

Click here and request assistance.
(79685)

Why am I not able to use my credit card when everything is correct on my banks end but Apple is saying it isn't?

Hello, I was wondering if anyone can tell me why my credit card keeps saying billing information does not match the bank's records? I know everything is correct and I've talked to my bank. Is there anything I could do or should try? I know this is a problem on Apple's end since my bank is perfectly fine. I would really like to buy new music but also I've had problems lately with Apple and my iPod (it won't sync). Thank you to anyone who can help me.

No, you don't have to pay, and it is email support, you fill out a form,
With my expericence, they send you an email asking questions, you answer it. Next day they send you an email with instructions that do not work and are out of date. (please tell me where I can set none for my paymet options). Then they send you more instructions that don't work. I have just tried the third set of instructions and they did not work.

HT1689 I allow a friend to use my credit card (cc) to buy applications. Is there a way to use the cc once and not to be saved in to iTunes?

I allow a friend to use my credit card to buy applications.
Is there a way that the cc information not to be stored in his iTunes?

As I understand it you'd have to go in and remove it from the iTunes account. And if it's his account he'll have to go in and do it.
If I were you? If you have iTunes gift cards handy just get one of those. I set up my iTUnes years ago and all I use are gift cards. Yeah, the remainder of the $15 dollars sits there, but if anyone gets into my iTunes that's all they can get, whatever balance I have.

Maximum number of iTunes accounts associated with one credit card?

We have a 20 person sales force and will be updating their iPhones and iPads to iOS 5 at a meeting in February. We want each sales rep to have their own iCloud account for backups and storage. So, we created 20 new iTunes accounts for each of them using the same company credit card. To avoid any problems when we do the rollout I wanted to find out what the maximum number of accounts that iTunes allows you to register with one credit card?
Background Information
Currently, our sales force uses a company ID and password to download apps. This allows us to keep the accounts and location settings restricted for security purposes in case a device is lost. We have since created 20 new user accounts under one credit card for our sales force. I did not do this, but worked closely with the individual who set them up. They shared that iTunes only allowed three accounts to be created per day with the same credit card - I assume that's for security purposes.
In the end, all were able to be registered without a problem. My concern is that when we update the devices, which will be over a period of 1-2 days, will there be a limitation to activating accounts under the same credit card, as there was when we created the accounts? I'm doing the research now to avoid what could be a significant problem if not properly prepared for.
If there's another solution for this, please feel free to share. Our objective is to remove the reliance on the company computer for syncing and give the sales force more freedom. We will still be locking the location for security purposes in case the device is lost/stolen - the iTunes password will be shared between the company and sales rep. They also won't need to ship the device back to our office if there's a problem, as they would be able to restore with iCloud.
Thank you!

Thank you for the reply! That is helpful to know.
My follow-up question is this: we somehow managed to add 20 people to one credit card within one month without any warnings. Should we anticipate encountering a problem?
In the interim, someone in our office is going to try and log into iTunes separately with each of the 20 accounts and download an app to see if there are any problems.
Thanks for the help.

Manual Authorization of Credit card in Sales Order

Hi All.
can some one let me know , how can I manually authorise a credit card in Sales order.
Thank u.
Regards
madhu.

Hi Madhu
I think this can help u.Please go through once.
6.4 Maintain Credit card types
Background
In this configuration the basic card types are defined.
Standard system contains three card types and their function
modules for checking.
 American Express
 Master Card
 Visa
Letu2019s see the configuration predefined in system for these
categories.
Instructions
Follow Menu Path: IMG  Sales and Distribution  Billing 
Payment Cards Maintain Card Types
1. Click
For maintaining new card type click on .
Following are fields explained:
Field Name Field Description and Value
Card Type Key for Card Type, predefined entries exist
for AMEX, MC & VISA.
Description Description of the card type
Check Function, which carries out the check for
card numbers. This check is in first check
in system before authorization from
Clearing houses.
Four standard function are provided in
system:
CCARD_CHECK_LUHN_MOD_TEN - Runs a
general check of the card number, for
example, for a valid length and
combination of digits. This is the industry
standard check.
CCARD_CHECK_MC - Checks MasterCard
numbers for a valid leading digit. The
system also carries out the
LUHN_MOD_TEN check.
CCARD_CHECK_VISA - Checks Visa card
numbers for a valid leading digit. The
system also carries out the
LUHN_MOD_TEN check.
CCARD_CHECK_AMEX - Checks American
Express card numbers for a valid leading
digit. The system also carries out the
LUHN_MOD_TEN check.
Additional functions can be created in
system in customizing.
Date Type Valid from & to date period is controlled
here, options include Day or Month.
Virtual Card Specifies if card is virtual card, used over
internet.
Click and .

Problem of credit card...

Hello everyone! I have a problem; I can not do the update and the download... When I try to Apple store that says that there is a problem! All it because I spend all the money of the credit card for my applications. It's a card credit prepay 'Visa Vanilla'. Therefore, I would like to know if it is possible to change my billing; credit card Visa to any credit card! Then, - what someone can help me? Thanks in advance... :)

See my response to your other post

Credit card/payment confirmation for app updation

Why is it compulsory to have a credit card information for application download/updation. It is not possible for every MAC user to own a credit. Its also weird that it doesnt accept my debit card details.
If Apple guys are listening, its NOT FAIR!

Its also weird that it doesnt accept my debit card details.
Try this support article > iTunes Store: My credit card's security code or zip code does not match my bank's records
And keep in mind your credit or debit card credentials must be associated with the same country where you reside.
Why is it compulsory to have a credit card information for application download/updation.
It's not. Click Account right side of the App Store window under Quick Links then sign in. Click Edit to the right of Payment Type.
Select None
Make sure your name and billing address correct then click Done.
An alternative would be to purchase iTunes Gift cards which can be redeemed at the iTunes or Mac App Store > Choose your iTunes Gift Card - Apple Store
iTunes Store: How to redeem a code

How to read data from credit card reader

Guys,
We are planning to implement CASH DESK (FPCJ) interface,
The requirement is when the user wants to pay his bill using his credit card by swiping on credit card machine (MAGTEK Made in TAIWAN) , I want read those detail and fill sap screen fields in FPCJ tcode like card number, name, expiration date and cvv number.
Can someone please provide guidelines on how to interface with an external card
reader to automatically get the card details into SAP when the card is
swiped?
Is there any event in FQEVENTS?
I found one event 6065 and when I try to debug by putting the breakpoint in the function module it's not stopping me there, I mean it's trigger that event,
could someone please help me to get those details...
Thanks
M
Edited by: BABU P on Jul 9, 2008 4:14 PM

Friends,
I am able to read the the credit card details ,
my next question is, How to activate the PAYMENT program to send credit card details to the 3rd party system .
we are using 3rd parth system to validate the credit card and send back to SAP an authorization code..
Can any please help to activate the PAYMENT program ,
we created the RFC Destination(SM59) type TCPIP and given program id as: "paycard" gateway and gatewayservice,
when click on test connection it is giving me below error.
Logon     Connection Error
Error Details     Error when opening an RFC connection
Error Details     ERROR: program paycard not registered
Error Details     LOCATION:
Error Details     DETAIL: TP paycard not registered
Error Details     COMPONENT: SAP-Gateway
Error Details     SUBRC: 0
Error Details     RELEASE: 700
Error Details     TIME: Wed Jul 23 14:47:38 2008
Error Details     VERSION: 2
can any one help me to activate the paycard program..
Thanks
M

Credit card security code - where can it be stored in SAP?

We are in the process of encrypting our credit card numbers and the question asked was - can we store the 3 character security code from the back of the customer's credit card. I've looked on the screens and in the tables, but don't see a place that was created to hold the security code.
Is anyone doing this? Or do you have ideas on how this might be accomplished?
Thanks in advance for you help.
Thanks,
Karla

To the best of my knowledge system will not store the CVV in R/3 database when an order is saved. Anyway you can have a look at Note 841259 - CVV values saved to the database
thanks
G. Lakshmipathi

General credit card application background & application questions, aka Do Banks Hold Grudges?

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