Question 1

How do I cancel automatic payments?

Accepted Answer

Contact both the merchant to cancel authorization and your bank to stop payment. Notify at least 3 business days before the scheduled payment. Confirm cancellation in writing and monitor your account for any subsequent charges.

Question 2

Can I use my debit card as a credit card?

Accepted Answer

Yes, most debit cards can be run as 'credit' at checkout by selecting 'credit' instead of 'debit' and signing instead of entering your PIN. The money still comes from your checking account, but it processes through credit card networks (Visa/Mastercard). This doesn't build credit or change how funds are withdrawn.

Question 3

What is a down payment on a mortgage?

Accepted Answer

A down payment is the upfront cash you pay toward the home's purchase price. It's typically expressed as a percentage (e.g., 20%, 10%, 3%). A larger down payment reduces your loan amount, may eliminate mortgage insurance, lowers monthly payments, and can secure better interest rates. Minimum down payments vary by loan type.

Question 4

What is mortgage refinancing?

Accepted Answer

Refinancing means replacing your current mortgage with a new loan, typically to get a lower interest rate, reduce monthly payments, change loan terms, switch from ARM to fixed-rate, or cash out equity. You'll go through the application process again, pay closing costs, and should calculate whether long-term savings outweigh upfront expenses.

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Frequently Asked Questions

How do I cancel automatic payments?

Can I use my debit card as a credit card?

What is a down payment on a mortgage?

What is mortgage refinancing?

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