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When a credit card bill goes unpaid, it doesn’t just go away. Even if your card issuer ends up writing off the debt, they could still sell your account to an outside debt collector. The debt collector may try to collect on what’s owed or they may decide to sell the debt to another collection agency. In the meantime, you’ve forgotten all about the debt until a bill shows up in your mailbox months or in some cases, years later. These types of accounts are often referred to as “zombie debt” and if you’ve been contacted about a credit card bill you’re not sure you owe, it’s important to know what your rights are.
PayPass is a method of payment that doesn’t involve swiping your credit card or providing your signature. If you have a PayPass MasterCard, you can use it at participating merchants just by tapping it against the card reader when you check out.
The most important thing to remember when it comes to holiday tipping is to do what works best for your budget. It really is the thought that counts, whether you are able to give a little or a lot.