Unless you reside in a community property state (in which case the spouse will owe the debt) the card holder is the only one responsible If the state statutes require Probate action, the assets and debts will be handled according to the law. Probate laws vary widely, it would be beneficial to obtain legal counsel.
It is quite easy to check one's American Express gift card balance. One can go to the American Express website and go to the gift card section of the site. There is a balance checker program where one can input the gift card number and it will output the remaining balance.
Yes, you can use your American Express card as a credit card even if it has a zero balance. When you make a purchase, the transaction will typically be approved as long as your account is in good standing. However, keep in mind that American Express is generally a charge card, requiring full payment of the balance each month, so it's important to stay within your credit limit and pay your balance on time.
Having an American Express card over other major credit card companies is a good way to avoid major interest accumulation. With American Express, you have to pay the balance at the closing of the billing cycle.
The American Express Optima card was available from 1987 until 2009. It was the first American Express credit card to allow a balance to carry over to the next month. The card was closed, as they were introducing the new product, Blue.
The terms for American Express shopping include that you must be a member and current card holder and your account balance cannot overdraft. You must stay within the charge limit of your credit card.
Like it or not, Arizona is a community property state, and the estate must pay up to clear any debt. Perhaps you can arrange a payment plan.
There are many good credit cards for balance transfer. For example, Visa credit card provides a good balance transfer service. American Express credit card does too.
New Balance is a popular brand of shoes. If you are looking to purchase The New Balance Express, you can find them at the New Balance website, Amazon, and Macy's.
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To use an American Express gift card in-store, simply present the card to the cashier at the time of purchase. Swipe the card like a credit or debit card and enter the PIN if required. The amount of the purchase will be deducted from the balance on the gift card.
American Express and Visa have three main differences which directly impact the consumer. (1)Who issues the cards. For visa, the cards are usually issued through banks (but can be issued by other institutions as well, ex. credit unions, etc.) and are underwritten by the Visa Credit Corporation. American Express on the other hand, usually issues their cards on their own behalf (but exceptions exist, for instance the British Airways American Express Card). (2) The main difference which concerns people is the a visa card is a credit card, while an American Express card is a charge card. The difference refers to whether the debt incurred on the card is revolving or not. On a Visa card, the debt is revolving, which means the total balance DOES NOT need to be paid off in full every month, but instead a monthly payment is required. For American Express cards, the debt is not revolving, which means the balance in full is expected to be paid off every month. (3) American Express charges merchants a higher fee than most credit or charge card companies, so fewer places will accept American Express over a card like Visa and it is more difficult to get approved for an American Express than a Visa. Because of this fact, American Express will tend to offer more rewards and exclusive opportunities than Visa, but then again, all these opportunities come with a price.
There are many good and trusted banks that offer low rate balance transfer. These banks include Chase bank, First Merit, Huntington, and banks like American Express.