4 Ways to Get a Cell Phone Plan With No Credit Check

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4 Ways to Get a Cell Phone Plan With No Credit Check

Cell phones have practically become an extension of our bodies — they’re our phones, computers, cameras, watches, alarm clocks, game systems and more. But getting one can be difficult if you don’t have credit.

Carriers want to avoid customers racking up huge bills and then not paying them. To this end, many major cell phone companies will check your credit to evaluate your financial responsibility and ability to pay each month.

If you have bad credit or no credit history, you may have to jump through some extra hoops, but you can get a cell phone with no credit check.

1. Go with a prepaid carrier

Prepaid cell phone plans don’t require a credit check. That’s because you pay in advance for your service, usually on a monthly basis, so there s no risk for the cell phone provider. The four major carriers — Verizon, AT T, Sprint and T-Mobile — offer prepaid plans, often for less than their traditional plans.

One downside: Because there is no commitment with a prepaid plan, you can’t pay for your phone in installments like you would with a traditional plan. The price can range from less than $1 to more than $500, depending on the phone you choose. But you may be able to avoid the upfront cost of a new phone by using your existing one.

2. Join a family plan

Most carriers offer family cell phone plans. and some let you have as many as 10 lines on one plan. Although the main account holder must pass a credit check to establish service, those using the additional lines do not. The main account holder is also the one ultimately responsible if you don’t pay your bill, so take care not to miss any payments.

If you do join a family plan, you won’t just bypass a credit check, you may also save some money. Traditional individual plans start at $40 to $50, depending on the carrier, but a family plan split four ways can run as low as $25 per person, before taxes, fees and add-ons like insurance.

3. Pay a security deposit

You can often get a cell phone plan with no credit history if you first pay a deposit. Deposit amounts will vary based on the carrier and your credit score, but they could run up to several hundreds of dollars. And deposits are generally per line, so if you want multiple phones on your account you will pay multiple deposits. Most carriers will refund your deposit after a year if you consistently pay your bill on time.

4. Find a co-signer

Similar to getting a personal loan with bad credit. you can often get a cell phone plan with bad or no credit if you have a co-signer with good credit. Unlike a personal loan, however, the account would be in the co-signer’s name, meaning that person is on the hook if you don’t pay your bill.

The co-signer can eventually move the account into your name. Most carriers will run your credit when you do so, but that doesn’t mean you’ll have to pay a deposit. With T-Mobile, for example, you can usually move the account into your name after 60 days. Although the carrier will check your credit, it won’t require a deposit because the account is already open. Just keep in mind that each carrier handles this differently.

You have options

A prepaid plan is often your best bet if you want a cell phone plan but have no credit or bad credit. If the upfront expense of a phone is too much, though, try joining a family plan. That way you can share the plan cost while you work to build your credit enough so you can venture out on your own plan.

NerdWallet has partnered with BillShark, a company that can help save you money by negotiating your bills for you. If BillShark determines that you re already getting the best rates, there s no cost to you.

This post has been updated. It was originally published Dec. 22, 2014.

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Credit hour – definition of credit hour by The Free Dictionary #online

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credit hour

References in periodicals archive ?

Full-time Northshore employees who meet admissions requirements can take up to six credit hours per term in undergraduate courses for $25 per credit hour or up to six credit hours per term in graduate courses at $50 per credit hour .

One credit hour may be awarded per 120 minutes of patient services with a maximum of 12 credit hours per renewal period.

19 regular meeting to freeze tuition at $140 per credit hour ($104.

93 more per credit hour. or $358 more for those enrolled in 30 credit hours .

A credit hour is a mathematical representation of the amount of work and time it takes a student for academic activity and establishes a standard of measurement for both faculty and student workload (National Association of Independent Colleges and Universities, 2010).

Tuition, fees, transfer credit: Part-timers pay $696 per credit hour .

The four levels of director certification include the Professional Certification, requiring the completion of 50 Credit Hours. Advanced Certification, with a 75 Credit Hour requirement, Masters Certification demanding 100 Credit Hours and the highest level, Executive Masters, the successful completion of 150 Credit Hours .

In-state tuition will increase $3 per credit hour to $80.

Tuition at the community colleges also has increased from $11 a credit hour to $18 a credit hour. and students who paid fees earlier in the summer at the lower rate are now being billed for the extra amount.

In addition to a $10 per credit hour tuition increase, the board also approved two new fees that will consolidate a number of smaller fees.

AOTMP University recently unveiled new credit hour packages for online and in-person training and certification programs.

Officials say students at the state’s 24 technical colleges will now pay $89 per credit hour for standard programs, and average tuition for a full 15hour course load this fall will be $1,335, plus books and fees.





How To Fix Scratched Car Interior Plastic #fix #your #credit #with #a

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APPLIANCE REPLACEMENT & REPAIR PARTS
FAST ORDERING AND SAME DAY SHIPPING
DO IT YOURSELF AND SAVE MONEY TODAY

Is the interior of your cars plastic scratched. Having scratches on the interior plastic or vinyl of your car can be ugly. Especially if you are going to be selling it. Many times by moving things in and out of your car, scratching of the plastic interior can occur. There are different methods to repairing and fixing this yourself. Most involve sanding the plastic, painting the plastic, and heating the plastic.

One of the easiest ways to fix this fast is to go to an auto salvage yard and find the same exact car as yours. With any luck you can find the exact piece of door panel plastic in the exact color. We have done this many times with doors, bumpers, mirrors, and dashboards. However, if using an auto salvage yard is not possible, then see below for how to fix this without replacing the plastic.

To repair the scratched plastic on your car interior WITHOUT A KIT:

STEP 1: Clean the plastic surface to remove any dirt or debris.

STEP 2: Using a heat gun. put the heat to about half and warm the scratched surface until it is soft and mushy. NOTE: Make sure you do not overheat the plastic as you WILL burn it.

STEP 3: Apply a grain pad (around $7 dollars) to the plastic surface as this will re-texture the plastic. NOTE: Be careful when doing this step as the plastic will be very HOT!

STEP 4: After applying the grain pad, let the plastic cool and sand with superfine sandpaper to smooth it out if needed.

TIP: If the plastic has faded, you can purchase special types of dyes that are made just for car plastic.

Another way of fixing the scratched plastic is to use a kit. A car interior plastic scratch remover kit will cost around $40 to $50 depending on different factors. The best scratch remover kit we have used is from Scratch Wizard and came with everything needed to fix the scratches in the plastic.

To repair the scratched plastic on your car interior WITH A KIT:

STEP 1: Sand the scratched plastic with 220-240 fine grit sandpaper.

STEP 2: Apply the included activator to the scratch.

STEP 3: Sand again with 220-240 fine grit sandpaper.

STEP 4: Clean with the supplied cleaner.

STEP 5: Apply multiple coats of the factory color matched dye included with the kit.

NOTE: A heat gun accelerates the drying process.

This Scratch Wizard kit can be used on plastic, vinyl, or leather in your car s interior. More info on the kit here .

A scratch removal kit from ScratchWizard will include 11 oz. factory-matched vinyl, leather, and plastic dye in aerosol spray can. 4 oz. vinyl, leather, and plastic cleaner, scuff pad, superglue and activator, 220 grit sandpaper, and video instructions.


Remove scratches from interior plastic door panel

If you know of any other EASY methods for removing scratches on the plastic interior of a car, please leave a comment below. Thank you.

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Credit Score – Get 3 Credit Scores – Credit Report, does paying

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does paying off credit cards help credit score

Does paying off credit cards help credit score

3-Bureau Credit Scores

Start by getting all 3 credit scores. Your scores change and you want to see what lenders and others see. Each bureau scores your credit differently, so you need to see all 3.

24/7 Credit Alerts

We’ll watch for activity at all 3 credit bureaus, including new accounts opened in your name. You’ll instantly be alerted to changes to your credit profile you may not be aware of.

Identity Theft Protection

Ongoing access to your credit information helps you guard against ID theft fraud. In the event of a breach, we’ll provide you with direct restoration support and service. We’re here for you 24/7.

Members can take control of their credit!

FreeScore shows if your credit profile contains errors. Does yours? Know for sure by staying on top of your credit information at FreeScore.

FreeScore guards against identity theft, the #1 consumer threat, with 24/7 credit monitoring at all 3 bureaus, plus email alerts when there is activity.

Triple Peace of Mind

FreeScore takes the stress and worry out of credit management with easy and unlimited access to all 3 credit scores. Plus step-by-step guidance from experts.

FreeScore has all this for members!

  • Unlimited access to your 3 credit scores
  • Automatic 3-bureau credit monitoring
  • Email alerts of credit activity in your name
  • Identity theft restoration service
  • Comprehensive online credit learning center

Members Only Benefits!

Insurance Scores reveal what kind of risk you look like to home and auto insurers, so you’re prepared when you shop for insurance rates.

Credit Score Predictor SM enables you to try different credit scenarios and measure their impact on your Credit Score.

Enhanced Member Dashboard features informative videos from financial expert Carrie Coghill.

Copyright 2014 FreeScore

FreeScore provides you with the tools you need to access and monitor your financial/credit information through the program’s credit reporting and monitoring benefits. FreeScore provides only limited credit monitoring services which are accessible to its members via the FreeScore.com website. FreeScore is not accepting new customers. Credit information provided by TransUnion Interactive, Inc.

Learn About Credit Scores

What are credit scores, and how are they different from credit reports?

Credit scores are three-digit “scores” that show how responsible you’ve been in paying off credit cards, mortgages, car loans, and other lines of credit. The three credit bureaus TransUnion, Equifax, and Experian use the information in your credit report to calculate your credit scores.

Credit reports provide the information the bureaus use to calculate your credit score. They list, among other things, your reported on-time, delinquent, and missed payments. (To see what else they contain, check out the “Learn More About Credit Reports” section below.)

How do you know if your credit scores are good?

Along with your free credit scores, FreeScore offers you an analysis of where your scores are relative to others. FreeScore‘s credit score estimator measures your scores against those of the general population and assigns you a grade A, B, C, etc. according to where you stand in comparison to others.

What is a good credit score?

Generally speaking, a credit score of 750 or higher is considered good that is, lenders will consider you a lower risk of defaulting on a line of credit. While the cut-off line for “good” scores is subject to change, the higher your score is, the better your chances are to secure a loan or other line of credit at a desirable interest rate.

What are credit score ranges?

The range of credit scores differs from bureau to bureau but in general, they range from a low in the 300s to a high in the mid-800s. Your scores can also differ from bureau to bureau because credit issuers aren’t required to report your credit transactions to all three bureaus; some of them may report your credit activity to only one or two of them. Regardless of the bureau, though, most people have credit scores somewhere between 500 and 800.

Learn More About Credit Reports

What’s included in your credit report?

Your credit report contains a variety of information about you, including:

  • Your personal information name, current and previous addresses, Social Security number, past and current employers, and more

Should you expect to find errors in your credit reports?

Errors are commonly found in credit reports, due to input errors, incorrect reporting from credit issuers or merchants to the bureaus, or even identity theft events. The only way to determine whether your credit reports are accurate is to carefully review your reports from all three bureaus TransUnion, Equifax and Experian.

What is AnnualCreditReport.com?

AnnualCreditReport.com is the government-mandated website through which you can order a free credit report from each of the three credit bureaus once every 12 months. Through AnnualCreditReport.com, you can order a credit report from each bureau at the same time, or you can stagger your requests throughout the year.

Learn More About Credit Monitoring

What is credit monitoring?

Credit monitoring is a service that alerts you whenever a change is made to the information in your credit files at one or more of the three credit bureaus. Triple-bureau monitoring obviously provides a more comprehensive overview of the changes being made in your credit files.

Changes that can trigger an alert include new addresses; new users being added to credit card accounts in your name; on-time, delinquent, or missed payments on accounts in your name; inquiries into your credit files made by third parties; and more.

For more information about credit monitoring, check out “How to Choose a Credit Monitoring Service.”

What can credit monitoring do for you?

Monitoring your credit can help you keep track of your credit activity, which is particularly useful if you’re planning to apply for a loan or line of credit in the foreseeable future. The sooner you’re alerted to errors that might harm your credit score, the quicker you can dispute them to protect your credit history and with it, your credit score.

Credit monitoring is also a good way to quickly detect suspicious or unauthorized activity within your credit records. Such activity is often a sign of identity theft, and the sooner you detect and react to identity theft, the more chance you have of limiting the damage it can inflict.

To learn more about the benefits of credit monitoring, check out “10 Reasons You Need a Credit Monitoring Service.”

Can you monitor your credit without using a service?

You can monitor your credit through AnnualCreditReport.com if you’d like. However, because creditors aren’t required to report your credit behavior to every credit reporting bureau, if a change occurs at one bureau after you’ve ordered your credit report from them, you won’t be aware of it for 12 months.

To learn more about monitoring your credit on your own, check out “What You Miss With Do-It-Yourself Credit Monitoring.”





Who Are the Three Major Credit Bureaus? #credit #beurue

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Who are the three major credit bureaus?

Updated November 27, 2016

Credit bureaus, or credit reporting agencies, are companies that collect and maintain consumer credit information then resell it to other businesses in the form of a credit report. There many credit reporting agencies, or credit bureaus, in the United States, but most people are familiar with the big three: Equifax. Experian. and TransUnion. These bureaus are all publicly-traded, for-profit companies who are not owned by the government.

The government does, however, have legislation, the Fair Credit Reporting Act. regarding how these and other credit bureaus should operate.

These credit bureaus have relationships with many banks, credit card issuers, and other businesses that you may have an account with. Because of these relationships, your account history will appear on one or all three of your credit reports with these bureaus.

You have a right to view your credit report and you can order a free credit report from each of the three major credit bureaus each year through AnnualCreditReport.com. You can also purchase a credit report directly from any of the credit bureaus at any time. Equifax and Experian offer 3-bureau credit reports which include all three major credit reports in a single document.

You may also need to contact a credit bureau directly to dispute inaccurate information in your credit report, purchase a credit score, or to place a fraud alert or security freeze on your credit report.

Contact Information For the Three Credit Bureaus

What the Three Bureaus Do and Don t Do

The major credit bureaus receive credit-related information from companies that you do business with.

They may also pull relevant public records. like tax lien or bankruptcy, and include that information in your credit report. The major credit bureaus sell your credit information to businesses who have a valid need for viewing your credit information and to companies who may prescreen you for their products and services. For example, a company who you ve applied for credit with would have a valid need for looking at your credit report.

The major credit bureaus only provide the information or other analytical tools to help businesses make decisions. The bureaus themselves do not make the decision.

Credit Bureau Differences

These three credit bureaus, like all other credit bureaus, are separate entities and operate independently of each other and, generally, do not share your account information with each other. Your creditors may report to all three of the major credit bureaus or just one of them. Because of that, the information in your credit file may be different from one bureau to the next. When potential creditors and lenders check your credit, they may only pull one bureau s credit report, rather than viewing all three. (It s often less expensive for businesses to check just one credit report.) In managing your credit, it s important that you review your credit reports with all three of the credit bureaus.

FICO Is Not a Credit Bureau

FICO, the company who developed and maintains the FICO credit score is not a credit bureau. While they compile your credit score based on data from the major credit bureaus, they do not collect credit report data on their own.





Credit Score – Get 3 Credit Scores – Credit Report, check credit

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check credit report and score

Check credit report and score

3-Bureau Credit Scores

Start by getting all 3 credit scores. Your scores change and you want to see what lenders and others see. Each bureau scores your credit differently, so you need to see all 3.

24/7 Credit Alerts

We’ll watch for activity at all 3 credit bureaus, including new accounts opened in your name. You’ll instantly be alerted to changes to your credit profile you may not be aware of.

Identity Theft Protection

Ongoing access to your credit information helps you guard against ID theft fraud. In the event of a breach, we’ll provide you with direct restoration support and service. We’re here for you 24/7.

Members can take control of their credit!

FreeScore shows if your credit profile contains errors. Does yours? Know for sure by staying on top of your credit information at FreeScore.

FreeScore guards against identity theft, the #1 consumer threat, with 24/7 credit monitoring at all 3 bureaus, plus email alerts when there is activity.

Triple Peace of Mind

FreeScore takes the stress and worry out of credit management with easy and unlimited access to all 3 credit scores. Plus step-by-step guidance from experts.

FreeScore has all this for members!

  • Unlimited access to your 3 credit scores
  • Automatic 3-bureau credit monitoring
  • Email alerts of credit activity in your name
  • Identity theft restoration service
  • Comprehensive online credit learning center

Members Only Benefits!

Insurance Scores reveal what kind of risk you look like to home and auto insurers, so you’re prepared when you shop for insurance rates.

Credit Score Predictor SM enables you to try different credit scenarios and measure their impact on your Credit Score.

Enhanced Member Dashboard features informative videos from financial expert Carrie Coghill.

Copyright 2014 FreeScore

FreeScore provides you with the tools you need to access and monitor your financial/credit information through the program’s credit reporting and monitoring benefits. FreeScore provides only limited credit monitoring services which are accessible to its members via the FreeScore.com website. FreeScore is not accepting new customers. Credit information provided by TransUnion Interactive, Inc.

Learn About Credit Scores

What are credit scores, and how are they different from credit reports?

Credit scores are three-digit “scores” that show how responsible you’ve been in paying off credit cards, mortgages, car loans, and other lines of credit. The three credit bureaus TransUnion, Equifax, and Experian use the information in your credit report to calculate your credit scores.

Credit reports provide the information the bureaus use to calculate your credit score. They list, among other things, your reported on-time, delinquent, and missed payments. (To see what else they contain, check out the “Learn More About Credit Reports” section below.)

How do you know if your credit scores are good?

Along with your free credit scores, FreeScore offers you an analysis of where your scores are relative to others. FreeScore‘s credit score estimator measures your scores against those of the general population and assigns you a grade A, B, C, etc. according to where you stand in comparison to others.

What is a good credit score?

Generally speaking, a credit score of 750 or higher is considered good that is, lenders will consider you a lower risk of defaulting on a line of credit. While the cut-off line for “good” scores is subject to change, the higher your score is, the better your chances are to secure a loan or other line of credit at a desirable interest rate.

What are credit score ranges?

The range of credit scores differs from bureau to bureau but in general, they range from a low in the 300s to a high in the mid-800s. Your scores can also differ from bureau to bureau because credit issuers aren’t required to report your credit transactions to all three bureaus; some of them may report your credit activity to only one or two of them. Regardless of the bureau, though, most people have credit scores somewhere between 500 and 800.

Learn More About Credit Reports

What’s included in your credit report?

Your credit report contains a variety of information about you, including:

  • Your personal information name, current and previous addresses, Social Security number, past and current employers, and more

Should you expect to find errors in your credit reports?

Errors are commonly found in credit reports, due to input errors, incorrect reporting from credit issuers or merchants to the bureaus, or even identity theft events. The only way to determine whether your credit reports are accurate is to carefully review your reports from all three bureaus TransUnion, Equifax and Experian.

What is AnnualCreditReport.com?

AnnualCreditReport.com is the government-mandated website through which you can order a free credit report from each of the three credit bureaus once every 12 months. Through AnnualCreditReport.com, you can order a credit report from each bureau at the same time, or you can stagger your requests throughout the year.

Learn More About Credit Monitoring

What is credit monitoring?

Credit monitoring is a service that alerts you whenever a change is made to the information in your credit files at one or more of the three credit bureaus. Triple-bureau monitoring obviously provides a more comprehensive overview of the changes being made in your credit files.

Changes that can trigger an alert include new addresses; new users being added to credit card accounts in your name; on-time, delinquent, or missed payments on accounts in your name; inquiries into your credit files made by third parties; and more.

For more information about credit monitoring, check out “How to Choose a Credit Monitoring Service.”

What can credit monitoring do for you?

Monitoring your credit can help you keep track of your credit activity, which is particularly useful if you’re planning to apply for a loan or line of credit in the foreseeable future. The sooner you’re alerted to errors that might harm your credit score, the quicker you can dispute them to protect your credit history and with it, your credit score.

Credit monitoring is also a good way to quickly detect suspicious or unauthorized activity within your credit records. Such activity is often a sign of identity theft, and the sooner you detect and react to identity theft, the more chance you have of limiting the damage it can inflict.

To learn more about the benefits of credit monitoring, check out “10 Reasons You Need a Credit Monitoring Service.”

Can you monitor your credit without using a service?

You can monitor your credit through AnnualCreditReport.com if you’d like. However, because creditors aren’t required to report your credit behavior to every credit reporting bureau, if a change occurs at one bureau after you’ve ordered your credit report from them, you won’t be aware of it for 12 months.

To learn more about monitoring your credit on your own, check out “What You Miss With Do-It-Yourself Credit Monitoring.”





Applying for multiple Amex cards within a short period? #credit #card #reviews,

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Applying for multiple Amex cards within a short period?

I’m a young small business owner (early 20s). I’ve been with American Express since 2008. I originally got added to my father’s amex account. He has a Costco Platinum card. A little over a year ago, I picked up the zync card on my own account.

Last year I spent

34k on my card and have had no late/missed payments and have a decent credit history. Since my history is young, I only have a 767 faco score. (I utilize credit secure through American Express.)

My gross income is

100k and I have about 25k of liquid assets (checking + retirement accounts)

I really want to get accepted for the Platinum card, as I’m going to be a frequent flyer and would appreciate the benefits of the card.

I called American Express to apply over the phone, but I was a bit weary of applying for the Platinum card because of my limited credit history.

I chose to apply for the Gold Premier rewards out of safety (foolish mistake). I managed to get my application approved and the card is being shipped out.

Would my circumstances yield a platinum card approval?

If I don’t activate the gold card, will I be able to apply for a platinum? Would American Express do a second hard credit pull with the second application?

Should I keep the Gold Card for 13 months and attempt an upgrade?

I do not mind the annual fee difference, as the marginal benefits outweigh the marginal costs.

Thanks for all your help.

You could always call them and ask. Since you are already a member, AmEx can pull credit reports on you all they want and it doesn’t count as a hard inquiry. Usually you have to have the Gold Card for awhile to establish a history with them. The worst they could do is say no, you have to wait. When you upgrade they apply what you have already paid in fees toward the new card.

American Express Platinum Personal, Member since 94
Chase United Explorer – Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard – Card Member since 91. 25k
Discover 10k Member since 91. Wells Fargo Personal Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

Should I keep the Gold Card for 13 months and attempt an upgrade?

I do not mind the annual fee difference, as the marginal benefits outweigh the marginal costs.

That sounds like a great idea I would say yes. you never know you might just end up liking the gold rewards better than the platinum.

I would if I were you.

I applied for 3 cards in two days and all was approved. I also already had a clear card totaling four applications in about six months.

This move is highly UN-RECOMMENDED. My application for platinum was for 50 000 Membership Rewards points for new Platinum card signup, transferred 50 k to Delta and I got 30% 15K Point certificate back that was credited back to my account. For 75000 Miles it was worth the hard pull but again I already have all the credit I need and don’t plan on applying for anything for at least two years.

My take is you stay gold, but you know what is best for you.

ooxs wrote: I applied for 3 cards in two days and all was approved. I also already had a clear card totaling four applications in about six months.

This move is highly UN-RECOMMENDED. My application for platinum was for 50 000 Membership Rewards points for new Platinum card signup, transferred 50 k to Delta and I got 30% 15K Point certificate back that was credited back to my account. For 75000 Miles it was worth the hard pull but again I already have all the credit I need and don’t plan on applying for anything for at least two years.

My take is you stay gold, but you know what is best for you.

I agree with ooxs, I would wait. I received 50,000 points when I signed up. Of course, they didn’t show up like they were supposed to, so I called. I was amazed at how much nicer they are when you call Platinum CS versus Gold. I forwarded the email and immediately I received an apology. 50k miles in rewards is a very nice incentive. When AE decides you fit the profile, your account will flag the marketing department to send you an invitation in the postal mail. At that point, if you wait until the next invitation, you are more likely to get bonus points for accepting it. My first invitation had no points attached to it.

American Express Platinum Personal, Member since 94
Chase United Explorer – Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard – Card Member since 91. 25k
Discover 10k Member since 91. Wells Fargo Personal Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+





Kisan Credit Card KCC – SBI Corporate Website #free #sbi #credit #card

#

Purpose:

To provide timely and adequate credit to farmers to meet their production credit needs (cultivation expenses) besides meeting contingency expenses, and expenses related to ancillary activities through simplified procedure facilitating availment of the loans as and when needed.

Who are eligible for the loan?

All farmers-individuals/Joint borrowers who are owner cultivators.

Tenant farmers, Oral lessees and Share Croppers etc.

SHGs or Joint Liability Groups of farmers including tenant farmers, share croppers etc.,

Loan amount
Features

Short term credit limit is fixed for the first year depending upon the crops cultivated as per proposed cropping pattern scale of finance

post-harvest/ household / consumption requirements

Maintenance expenses of farm assets, crop insurance, Personal Accident Insurance Scheme (PAIS) and Asset insurance.

Investment credit requirement of small value in the nature of farm implements/ equipments etc (like sprayer, plough etc.,) and repayable within a period of one year will be included while fixing KCC limit (This portion of the credit will not be included for automatic step up during 2nd year to 5th year but credit requirement for this portion in each year will be reckoned for arriving at the maximum drawal limit for the respective year).

The short term loan limit arrived for the 5th year as in (iv) plus estimated investment loan requirement as in (v) (highest among the five years) above will be the Maximum Permissible Limit (MPL) and sanctioned as the Kisan Credit Card Limit.

Short term loan limit assessed for the first year or for the 2nd to 5th year plus the estimated investment credit limit required, as in (iv) and (v) above, will be the Maximum Drawal Limit (MDL) allowed in the account, for the particular year.

  • KCC borrowers shall be issued an ATM cum Debit card (State Bank Kisan Card), to enable them to withdraw from KCC accounts from ATMs and PoS terminals.
  • KCC will be in the nature of revolving account. Credit balance in the account, if any, to fetch interest at Savings bank rate.

    Processing charges waived for KCC limit up to Rs.3 lacs.

    Collateral security is waived for

    a. limit of up to Rs.1 lac

    b. limit up to Rs.3 lacs for loans with tie-up arrangement for recovery.

    KCC accounts should be renewed annually, well before the above due dates, every year to continue the limit during the KCC validity period of 5 years. Branches shall, therefore, ensure to obtain revival letters before expiry of 3 years wherever applicable, as per the Limitation Act.

    For the purpose of renewal, branches should obtain a simple declaration as per the extant guidelines (about crops raised/ proposed to raise) from the borrowers. The assessment of revised MDL requirement of the KCC borrower will be made based on proposed cropping pattern and area declared by him.

    Eligible crops shall be covered under Crop Insurance Scheme – National Agricultural Insurance Scheme (NAIS)

    Disbursement of the Loan

    As per the cultivation requirements of the crop, the loan will be disbursed in cash.

    Repayment
    Kharif (mono)




  • How to reduce credit card processing costs – QuickBooks Payments #accept #credit

    #

    Reducing Credit Card Processing Costs

    Credit Card Processing Rates and Fees

    Most of your costs will be transaction processing fees. Your rate per transaction is determined by your personal and business risk, percentage of card-absent sales, average dollar amount per sale, and total dollar amount of monthly sales. Lowering your transaction risk will also lower the rate you pay.

    To get the best rate for the way you conduct business, be sure you understand the rates and qualifications around each type of sale.

    Qualified rate is the percentage rate that’s charged whenever you accept and process a regular card using an approved processing solution. This is usually the lowest rate you can receive, and it’s often what you’ll be quoted when you inquire about rates.

    Mid-qualified rate is the percentage rate that’s charged if you accept and process a card that doesn’t qualify for the lowest rate. This may happen when you manually key a card into a terminal instead of swiping it, or if a rewards or business card is being used.

    Non-qualified rate is the percentage rate that’s charged whenever you accept and process a card that doesn’t qualify for either qualified or mid-qualified rates. This may happen when a card is manually keyed into a terminal versus being swiped, address verification isn’t performed, information is missing, or the authorization is not settled within the allotted time frame (usually 48 hours).

    A rate increase, otherwise known as a downgrade, occurs when your transactions don’t meet the requirements for the lowest or qualified rate. To mitigate the number of downgrades you receive, make sure your transactions meet the qualification requirements to get you the lowest rate available for every transaction. Train your staff to do the same. Secondly, train closing and opening staff on how to audit transactions totals for errors and close out daily credit card transactions at the end of each day.

    Batching means settling the charges to your terminal by sending the completed transactions for the day to the acquiring bank for payment. To make sure you get the best possible rate on all your daily transactions, you must batch out within 24 hours. If you don’t, you may raise the risk of dispute and cause your transactions to be downgraded. Remember that dial-up connections are prone to dropped lines and duplicate charges.

    The interchange fee is a percentage of the transaction and helps to cover authorization costs, fraud, and credit losses. Most merchant service providers include the interchange fee in their bundled rate, which makes it more difficult to identify specific rates. Ask your provider if you can pay the interchange fee as it is incurred. This will prevent you from paying more than you need to and help you keep better track of your transaction costs.

    A chargeback occurs when the cardholder disputes a transaction and it’s returned to the acquiring bank. If you don’t respond promptly to a chargeback inquiry, you may have to pay a timeliness fee or lose the entire sale. Be sure to ask your prospective provider how it deals with chargebacks and what costs are involved.

    Not all cards are created equal

    Certain credit cards cost more to process than others. It’s up to you to choose what works best for your business. To help offset the cost of processing more expensive card types, make sure your transactions meet as many of the qualifying requirements as possible.

    Debit cards have grown in popularity. They often serve as both a check and a debit card. Deciding whether to process a charge as online or offline can make a difference in your rates. Please keep in mind the following:

    1. Online transactions get processed through the credit card interchange and are charged at an online (non-qualified) rate.

    2. Offline transactions get processed through the debit network and are charged a flat per-transaction fee.

    3. Reduce your costs by processing low-cost items at the offline rate and larger items at the online rate.

    Service without the cost

    Be wary of merchant service providers that charge you a fee for contacting customer service. If your system isn’t working, you should be able to get help without paying extra for it. This is different from providers that charge for premium services. Other items for which you may be charged include printed account statements, account updates, monthly minimums or maximums, and service cancellations.

    Other operational fees

    Many operational fees are bundled or hidden within other charges. Most of these charges are a part of your transactions. They simply reflect the cost of doing business.

    1. Communications fees cover the Internet costs of moving the transaction from the merchant to the processor. Dial-up transmission costs more to cover the processor’s maintenance of toll-free phone circuits and modems.

    2. Address and voice authorization verifications reduce your fraud risk and can help you avoid a rate downgrade.

    It’s all in the details

    There’s no avoiding it: if you accept credit and debit cards, you’ll have to pay fees. Your best defense against hidden costs and unnecessary downgrades is to keep accurate records of your processing costs. Audit your records regularly to build your own benchmarks and evaluate the cost-effectiveness of your business rules and practices. Based on this data, you can continue to optimize the way you do business. Just remember that accepting credit cards should help—not hurt—your bottom line.

    If you are ready to explore further, QuickBooks Payments offers payment solutions that allow businesses to process credit/debit card payments on mobile phones or tablets, as well as accept ACH bank transfers and checks. Visit this page to find out more details and pricing.





    How Serious a Crime Is Credit Card Theft and Fraud? #fraud #charges

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    Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation.

    The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation.

    Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

    While we try to feature as many credit cards offers on our site as we can maintain (1,200+ and counting!), we recognize that our site does not feature every card company or card available on the market.

    Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation.

    For a list of all of our advertising partners, click here

    How Serious a Crime Is Credit Card Theft and Fraud?

    With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.

    ≔ Highlights

    • Credit card fraud laws vary by state.
    • Fraud often involves misuse and ill intent.
    • Penalties range from misdemeanor fines to felonies carrying years of jail time.

    → What s next

    If you have a credit card, you have to worry — at least a little — about credit card fraud. Have you ever wondered, though, if fraudsters ever actually get caught? If so, what kind of consequences do they face?

    States make the call

    For the most part, the statutes governing credit card fraud are determined by individual states. Those statutes differ from one state to the next.

    In California, the Penal Code is specific and dense to read. The most common crimes referred to are:

    • Using someone else s credit or debit card without that person s consent.
    • Using your own credit or debit card knowing that it has been revoked or expired or that your available balance is less than the purchase price.
    • Using a stolen or fraudulent credit or debit card to receive money, goods or services.

    Crime and punishment

    The test is really “fraudulent use,” so don’t worry if you accidentally use a card you canceled. There has to be intent, and other thresholds have to be met. One such threshold that goes beyond “fraudulent intent” is “to obtain a benefit,” often more than $1,000.

    Here we’re talking about forgery, alteration, stealing, counterfeiting and even publishing someone else’s information. What a thief actually does will determine if the charge is petty or grand theft, or forgery. The consequences (as in any criminal case) will also depend on the circumstances and the thief’s criminal history.

    In general, however, both grand theft and forgery are felonies, subjecting the perpetrator to 16 months or two or three years in California state prison and a maximum $10,000 fine, or as a misdemeanor to up to one year in a county jail and a maximum $1,000 fine. (Petty theft is a misdemeanor, punishable by up to six-months in a county jail and a maximum $1,000 fine).

    Texas is different. The statutes are pretty specific as to what is illegal and is punishable by what Texas calls a “state jail felony.” It sounds bad, but it s actually the least serious felony in Texas law. Here, a thief gets a minimum of six months in jail but no more than two years, and a fine not to exceed $10,000.

    Federal penalties dwarf states’

    Oh, but we aren’t done yet. There are federal violations that often are attached to credit card fraud. These appear under Title 18 USC 1029. If a thief pulls his stunt on government property across state lines, or against a government entity, then federal charges may apply. The consequences there are much worse – as in, 10 to 20 years in prison.

    You may also like





    How Does Credit Card Skimming Work? #credit #card #scams

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    How Credit Card Skimming Works

    Updated February 27, 2017

    Victims of credit card skimming are completely blindsided by the theft. They notice fraudulent charges on their accounts or money withdrawn from their accounts, but their credit and debit cards never left their possession. How did the theft happen?

    How Credit Card Skimming Works

    Credit card skimming is a type of credit card theft where crooks use a small device to steal credit card information in an otherwise legitimate credit or debit card transaction.

    When a credit or debit card is swiped through a skimmer, the device captures and stores all the details stored in the card s magnetic strip. Thieves use the stolen data to make fraudulent charges either online or with a counterfeit credit card.

    Credit card skimmers are often placed over the card swipe mechanism on ATMs and gas stations. With ATMs, the crooks may place a small, undetectable camera nearby to record you entering your PIN. This gives the thief all the information needed to make fake cards and withdraw cash from the cardholder s checking account.

    Occasionally, certain retail and restaurant workers who handle credit cards are recruited to be part of a skimming ring. These workers use a handheld device to skim your credit card during a normal transaction. For example, we routinely hand our cards over to waiters to cover the check for a restaurant. The waiter walks away with our credit cards and, for a dishonest waiter, this is the perfect opportunity to swipe the credit card through a skimmer undetected.

    Once the victim s credit card information is stolen, thieves will either create cloned credit card to make purchases in store, use the account to make online purchases, or sell the information on the internet.

    Victims of credit card skimming are often unaware of the theft until they receive a billing statement or overdraft notices in the mail.

    How to Prevent and Detect Credit Card Skimming

    Simply using your credit card puts you at risk of becoming a credit card skimming victim. Credit card skimming incidents can be difficult to detect. Unless you know what you re looking for, it can be extremely difficult to detect skimming devices.

    Catching fraudulent charges related to a skimming incident requires you to watch your accounts frequently. Monitor your checking and credit card accounts online at least weekly and immediately report any suspicious activity to your bank or credit card issuer.

    Here are a few more tips for avoiding credit card skimming.

    • Watch where you shop. Restaurants, bars, and gas stations seem to be the places where credit card incidents happen most frequently. Retail store self-checkouts and ATMs, especially standalone ATMs (those that aren t at the bank) are also places that skimmers can be found.
    • Know how a credit card skimmer looks. Krebs on Security has a well-documented page on credit card skimming and several pictures of credit card skimmers that demonstrate how difficult it is to detect the devices, which have become smaller and more difficult to detect over the years.
    • Check ATMs before using them. At ATMs, skimmers often place a camera within view of the keypad to steal your PIN. Or, they place a fake keypad on top of the real one to record your keystrokes. When you re using an ATM, cover your hand as you type your PIN to keep a camera from catching a view of what you re typing. If the keys seem hard to push, eject your card and use another ATM. Use a bank-operated ATM, which is less likely to have a skimmer, rather than an ATM at a store or gas station.
    • Don t become a victim of credit card cleaning scams. where thieves claim to clean the magnetic strip on your credit card to help it work better. These thieves simply swipe your credit card through a credit card skimmer and take your credit card information.

    How to Report a Credit Card Skimming Loss

    Contact your bank or credit card issuer to let them know that your credit card information has been compromised. Call first, then follow up in writing. If only your credit card information has been stolen, you won t be liable for any fraudulent charges.

    Place a fraud alert on your credit report. This forces businesses to confirm your identity before approving applications in your name.

    Alert the Federal Trade Commission. They often work to break up large credit card skimming rings. Your complaint will help catch the thieves.





    How Do Cash-Back Credit Card Rewards Programs Work? #cash #back, #rewards, #credit

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    How Do Cash-Back Credit Card Rewards Programs Work?

    By Brandon Cornett | June 15, 2014 | 2014, All rights reserved | Duplication prohibited

    If you’re over the age of 18, and you have a mailbox, you’ve probably received an offer for a cash-back credit card rewards program. Or perhaps you’ve seen the advertised online. They are one of the most popular types of credit cards in use today.

    But what are they, exactly? How do they work? And what else do you need to know about them, as a consumer? Those are some of the questions we will answer in this tutorial. Here’s an in-depth look at how cash-back credit cards work.

    What is a Cash-Back Rewards Program?

    Let’s start with the basics. What is a cash-back rewards program? Basically, it’s an incentive in which the credit card company offers to “pay” you a certain percentage for using your card to make purchases. Often, the issuer will charge a higher interest rate in exchange for the “reward” features.

    The details vary from one program to the next, but in general it works like this: You use your cash-back rewards card to make occasional purchases, as you would with any other type of card. Then, at the end of each year (or annual billing period), the company gives a certain percentage of your expenditure back to you in the form of a rebate.

    How Do These Credit Cards Work?

    In a typical rewards program, the cardholder might receive anywhere from 0.5% to 2% of the net expenditure (minus any refunds). This annual rebate could be credited back to the card, or paid to the customer directly in the form of a check. In other cases, the cash-back reward can be provided via electronic deposit to the consumer’s checking or savings account.

    It varies by card, so make sure you know how and when the rebate will be applied.

    As mentioned earlier, there are many types of rewards programs, and the details vary with each. Here are some of the most common features :

    • Some of these cards offer the cardholder 1% back on all purchases, along with a 50% bonus on cash back earned annually.
    • Other cash-back rewards programs offer different levels / percentages of rebates for different types of purchases.
    • A common strategy is to offer a lower reward percentage for the most common types of purchases, thereby reducing the amount the company has to pay back to the cardholder each year.
    • Some cards take these restrictions a step further by limiting cash-back rewards to certain “qualified purchases,” which might exclude the most common and popular types of transactions. Stated differently, they offer rewards for the least popular types of purchases in order to reduce their costs.

    Be Aware: You May Pay a Higher Interest Rate

    A survey conducted by the Office of Consumer Affairs and Business Regulation in Massachusetts found that customers who use credit cards with cash-back rewards often pay a price for the questionable benefits of such a card. In short, you may be charged a higher interest rate to compensate for the amount that is rebated back to you each year. In essence, these companies charge more to cover the losses (rebates) associated with a cash-back rewards program.

    Specifically, the survey revealed that “rewards cards tend to have higher interest rates than non-rewards cards, and those with lower annual percentage rates (APRs) offer the rate based on an individual’s creditworthiness.”

    A non-rewards credit card with a lower interest rate may be a better strategy in the long run, particularly for consumers who tend to carry a balance from one payment period to the next. Due to the higher APRs they usually carry, a rewards program card might cost more, annually, despite the amount that is rebated back each year.

    As a cardholder, the best thing you can do is consider your spending habits, and find a card that will benefit you most based on those patterns. It might be a cash-back credit card, or a non-rewards product with a lower APR. You have to think about how you will use it, and how much it will cost you over the long run.

    Additionally, if you are already struggling with debt, you should resist the urge to spend more just to earn rewards. This is a flawed strategy from a personal finance standpoint.

    Do You Really Make Money’ With Them?

    Can you really make money from using a cash-back rewards card? This is a common question among our readers. Unfortunately, the answer is usually no. The companies that design these cards are very shrewd. They know how to design products that appear to give you one thing, when they actually take something else.

    For instance, rewards cards usually charge a higher APR than regular cards. As a result, you might end up paying more interest on your balance than the amount you get rebated back to you each year. In this kind of scenario, you are basically paying a lot more money to have a smaller amount credited back to you. They are cleverly designed financial products.

    Before you sign up for a cash-back credit card, ask the issuer the following questions:

    • How can I earn and redeem my rewards?
    • What types of purchases are eligible for the cash-back feature?
    • Are my rewards available monthly or annually?
    • Does the money go into my bank account, or is it applied to my next bill?
    • Are there any limits or restrictions on the rewards I can earn with this card?

    Additionally, make sure you read all the terms and conditions on the card to see if the product will actually save you money over the long term (based on your spending and purchasing habits). In other words, read the fine print!





    Gettysburg Ghost Tours, A list of all the tours we provide, ghost

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    ghost credit card

    If you are ordering online you need to check the calendar. Many tours sell out.

    Join us for a candlelit walking tour that you will remember fondly for years to come! Our walking tours are pet friendly. Rain or shine.

    Author’s Tour – Join Gettysburg’s most popular tour guide and published author, Johlene Spooky Riley, who will personally escort you to locations featured in her book, Ghostly Encounters of Gettysburg. Tours days vary. Times include 7:00pm, 8:00pm and 9:30pm. Cost is $15.00 per person.

    Black Cat Tour – Taking guests along Gettysburg’s quiet dark alleys by candlelight to locations which were active battlefields and homes of makeshift shallow graves. Each guide has their own route and tours may visit locations such as the Lincoln Cemetery, the Farnesworth House, the Grove, the Haunted Creek Bed, the Rupp House Museum, the Dobbin House, the Jenny Wade House, the Orphanage and the Victorian Photo Studio. Cost is $10.00 per person 12 years and up and $5.00 per guest under the age of twelve.

    Battlecry Tour – Escorting guests along what was once known as No Man’s Land where the streets ran red with blood in 1863! Where you will pass Battlefields, Cemeteries, Haunted Hotels and the Reynold’s Death House! Cost is $10.00 per person 12 years and up and $5.00 per guest under the age of twelve.

    Cemetery Tour – The Cemetery Tour is a mix of Ghost Stories and History featuring three of Gettysburg’s oldest cemeteries: The Lincoln Cemetery, the Evergreen Cemetery and the National Cemetery. Cost is $10.00 per person 12 years and up and $5.00 per guest under the age of twelve.

    Live or Die Tour – The Live or Die Tour focuses on human interest stories of REAL Civil War soldiers! At the start of this tour each guest will receive a card bearing the name of a man who fought at Gettysburg. During the course of this candlelit walking tour, led by a period dressed guide, guests will be immersed in the history and hauntings of a specific Union or Confederate regiment. At the conclusion of this unique tour, our guests will ultimately discover whether THEIR soldier LIVED or DIED! Enjoy a truly personal Civil War experience like no other. join us where history and mystery come together! Cost is $10.00 per person 12 years and up and $5.00 per guest under the age of twelve. Group rates for ten or more guests is $6.50 per person. Tours are at Saturdays during the Spring, Summer and Fall.

    Scare on the Square Tour – This one hour tour will include locations such as the Wills House, where president Abraham Lincoln stayed the evening prior to giving the Gettysburg Address. Also included are the James Getty Hotel, the Globe Tavern, the Gettysburg Hotel, the German Reform Church, the Old Main School Building, Seminary Ridge and the Town Square. Cost is $10.00 per person 12 years and up and $5.00 per guest under the age of twelve. Group rates are available for groups of ten or more – call for details.

    XTREME Ghost Hunt: The most extreme ghost hunt available to the public! The most intense locations, extended time and even more extreme cutting edge equipment! Ghost hunt like the pros with the pros! Investigate haunted private indoor and outdoor locations with Gettysburg Paranormal Association. the group you’ve on seen TV! More equipment, small intimate group sizes, great locations and you get all the evidence. You receive a Collector’s Edition Certificate bearing your name, a Glossy 5 x7 group photo as well as the evidence

    photo, video and evp sessions on a DVD, all mailed to you. Guests must be at least 8 years old to participate in this more intense investigation. EXTREME Ghost Hunts take place every night. The XTREME Ghost Hunt times vary, but it will be dark. Tickets cost $55.00 per guest. Please bring your vehicle and be prepared to follow our investigators to the locations.

    XTREME Ghost Hunt Challenge: This is unlike any of our regularly scheduled ghost hunts,. On this hunt we will split into two teams. Each team is assigned five points. The goal is to keep as many points as you can. The team with the most points at the end wins the challenge and. the prizes! There will be a live feed of the investigation in progress, and we will have split screen monitoring stations set up. One person from each team will be voted in as “Ghost Bait.” That person will be put through a number of paranormal challenges that will test their skills and also their nerves. Will they run out of the pitch black haunted basement and lose points from their team or will they stay put and stay calm? And will they be able to handle what may happen in the attic ? Do you think YOU have what it takes? Sign up and let’s find out! The cost is $57.50 per person. You may even put together a team of your friends if you wish. Happens on Saturday nights! Please bring your vehicle and be prepared to follow our investigators to the locations.

    Intense Ghost Hunts: Investigations take place year-round and are scheduled nightly. Evidence is compromised of photos online. Participants must be 8 years of age. Participants age 8 -17 must be accompanied by an adult guardian. The ghost hunt is alcohol smoke free. Participants are welcome to bring cameras and any appropriate ghost hunting equipment. Gettysburg Paranormal will provide equipment for use during the session at no additional cost. Some of our locations are never more than a short drive away and we ask that all of our guests on the Ghost Hunts please bring a vehicle and park in the large parking lot located behind our shop. Please bring your vehicle and be prepared to follow our investigators to the locations. Intense Ghost Hunt times vary, but it will be dark. Ticket cost is $35.00 per guest.

    Author’s Storytelling Event: Special Storytelling Presentation with Johlene Spooky Riley at Battlefield Brew Works, 248 Hunterstown Road in Gettysburg on the historic Monfort Farm (the largest confederate field hospital in Gettysburg). Enjoy a delicious entree, a cold refreshing beverage and spine tingling tales from beyond the grave! This great dinner drink package for $30.00 includes your choice of Dinner Entree and Drink (alcoholic or non-alcoholic. ) Space is limited.

    Wine Spirits Tour: Join Published Author, Johlene “Spooky” Riley for the Wine & Spirits Tour. Hear ghost stories and history by candle light on this 90 minute walking tour! Enjoy delicious craft beer, wine and distillery products at two step off points in the Heart of historic & Haunted Gettysburg! $20.00 per person.

    Reservations for our Tours and Ghost Hunts are not required, however, they are recommended as we limit the amount of guests on each tour. Tickets are first come, first served. Major credit cards, cash and checks are accepted.

    Ghost credit card





    Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, credit

    #

    Compare partner credit card offers from our most

    Cash Back

    Balance Transfer

    Business Card

    Cards for Bad Credit

    Credit card

    When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

    It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

    The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

    Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

    Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

    If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

    One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

    If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

    “It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

    Her advice: Do a side-by-side comparison of several different cards before you apply.

    Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

    Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

    If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

    While there are no guarantees, sometimes you can get an answer, says Bourke.

    “I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

    You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

    “The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

    According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

    So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

    Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

    You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

    If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

    “A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

    In most cases, “this is one the customer service agent should know the answer to,” he says.

    Some card issuers use your purchase records to assess your ongoing creditworthiness.

    That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

    How to phrase it: Can my transactions ever be used in rating my credit risk?

    And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

    If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

    Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

    In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

    Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

    Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

    While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

    Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

    Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

    Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

    “It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





    Credit and Gift Card Processing on the App Store #credit #and #gift

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    Credit and Gift Card Processing

    Open iTunes to buy and download apps.

    Description

    Process secure credit and gift card payments directly on your iPhone with the Mercury VirtualTerminalTM application. When you combine this application with an iDynamo secure card reader, your phone becomes a hand-held payment processing device. Accept credit and gift cards anywhere with a WiFi or 3G or higher network connection. Transactions are end-to-end encrypted and meet PCI data security standards.* Email transaction receipts to your customer and yourself. Features include signature capture, automatic end-of-day batch processing, and admin functionality to configure account settings, receipt settings, and email receipt settings. Also available for the iPad and iPod Touch.

    You must have a merchant account with Mercury in order to log in and process credit cards on your iOS device. You may only submit transactions for those products/services that your account was underwritten for.

    If you already have a merchant account with Mercury, please contact sales support at 800-846-4472 to configure the application on your iOS device and to purchase an iDynamo secure card reader. (The iDynamo secure card reader must be purchased through Mercury.)

    To apply for a Mercury merchant account, please sign up now, or call 800-846-4472. Please note that new merchant accounts are subject to a site inspection prior to approval.

    – Swipe credit and gift cards with the iDynamo secure card reader authenticator. The iDynamo features Triple DES encryption and protects card data from the moment the card is swiped all the way to authorization.

    – Credit transactions include: Sale and Return

    – Gift transactions include: Sale, Return, Issue, and Balance.

    – Default batch close is time-initiated so that the merchant receives the best rates.
    – Signature Capture to help eliminate chargebacks.
    – Payment information is encrypted and is not stored on your mobile device.

    – Email receipts to your customers and cc/bcc yourself with the sales details and info about your business.

    – Free customer service 24/7/365.

    Once you download the application, set up and configure your account settings and receive your iDynamo card reader…

    1. Login with your MercuryView User ID and Password.
    2. To make a Credit Sale, attach the iDynamo card secure card reader, enter the amount, select process, and swipe the customer’s card.
    3. Done! Get confirmation and even send customers a customized email receipt with signature capture included.
    Also allows for simple processing of Gift transactions and offers other transaction types listed above.

    *Use of the Mercury provided iOS application does not remove the user from the scope of PCI security standards or the requirement and responsibility to comply with applicable PCI DSS. For more information, visit the PCI Security Standards Council web site at https://www.pcisecuritystandards.org.

    Mercury provides support for the latest version of the application only. Please ensure that you have the most current version of the application.

    What’s New in Version 2.1.2

    * Relaxed email address field validation
    * Fixed Issue with a double request for signature exposed by iOS 8 update
    * Fixed layout and keyboard issues with textfields visible with iOS 7

    Mercury needs to update soon for ios11!

    I like the streamlined app to collect credit card payment from Mercury in my very small business, and the backend system works great for payment.

    I keep getting notifications from Apple that this application will no longer work after iOS 11 is released. Apparently this application does not support 64 bit architecture. I’m worried I will no longer be able to use my card swipe device to collect payments. Mercury if you’re reading this review will you please start working on this app and notify your customers that they will be able to continue to swipe credit cards? Thank you

    This app is designed for both iPhone and iPad

  • Category: Business
  • Updated: Jan 08, 2015
  • Version: 2.1.2
  • Size: 1.2 MB
  • Language: English
  • Seller: Mercury Payment Systems, LLC
  • © 2012-14 Mercury Payment Systems, LLC
  • Compatibility: Requires iOS 6.0 or later. Compatible with iPhone, iPad, and iPod touch.

    Customer Ratings

    We have not received enough ratings to display an average for the current version of this application.





    Leap Payments #high #risk #credit #card #processing #companies

    #

    Simply Better Credit Card Processing

    Providing customers and clients with a convenient way to make credit card and debit card payments without being charged a fortune for every transaction is a challenge faced by retailers and restaurants. Let us show you a better way to handle your credit card payment processing. Learn more

    For professional service organizations such as Doctors, Lawyers, Consultants we can help you simplify your merchant services. Our credit card processing solutions allow you to accept payments in the way that your customers prefer. Learn More

    If you re an eCommerce company, it s critical that you are able to accept credit cards online without having to incur outrageous additional costs. Leap Payments can get you set up with a solution to accept online credit card payments for goods and services that is easy for your customers and affordable for you. Learn More

    When it comes to setting up credit card processing for merchant services for personal service organizations such as beauty salons, wellness and fitness businesses of every size can access to the same rates and services formerly available only to larger companies. Learn More

    For businesses that spend most of their time performing services at their customer s location, such as contractors, technology consultants, repair and maintenance industries; we can provide you with wireless access to your merchant account credit cards, so you get guaranteed payment at the end of your job. Learn More

    Some business types are deemed risky by banks processing credit cards for a variety of reasons. We believe that your business deserves a chance to prove itself and process credit cards. Learn More

    Lifetime Rate Lock

    The best merchant processing companies believe that caring for customers means keeping costs down and never increasing your rates. We guarantee that the Leap Payments rates will not increase for the life of your account. No bait and switch, no teaser rates, just simple, honest pricing and the best merchant services. In addition, we offer Interchange plus pricing, because this is the most transparent way to process credit cards available.

    Customized Solutions

    When choosing a processing solution most business owners ask: who has the best credit card processing rates? While rates are a part of the right answer you need a partner who understands your unique needs and tops the comparison lists of credit card merchant services companies, so you know you’re working with the best. Based on real credit card processing companies reviews you’ll find Leap Payments A+ Better Business Bureau rating sets us apart from the competition.

    Unique Customer Service

    Many merchant credit card processors look at your business as a mere dollar sign to cash in on and they lose sight of honest customer service. The true value of a merchant services company is revealed in an instant when you search credit card processing reviews online. Unlike our competition we’ll know you by name, not by your account number. Our support is 100% US-based and available anytime you need us.

    Cashflow is crucial to business success and for our clients we ensure that you won’t be waiting to get paid for your credit card processing. With Leap Payments you can rely on receiving your deposits promptly in order to keep your business running smoothly. Our clients attest that services like next day funding is why Leap Payments is one of the best rated credit card merchant services companies.

    Need help understanding your monthly statement?

    In addition to our commitment in being the best merchant account provider for your business, we offer fully integrated and customized solutions. We’ll explain the true costs of accepting credit and debit cards. Our experts will review your statement and show you how much you can save. Providing small business owners just like you with the personal service that you deserve is what has distinguished us from so many generic, less visionary credit card merchant processing services.

    Our merchants’ credit card processing reviews say it all!

    Salon Xia
    “A customer referred me to Leap Payments and they’ve really come through for me. Now I get next day funding, so my money is in my account much faster. My salon’s busiest day is Saturday [ ]”

    Foster, Griffith, Allen, Inc.
    “Leap Payments is our “go to” credit card and electronic check processor. Not only does our office save money every month using Leap Payments, but they’re always available to help our clients. Our account was [ ]”

    Iron Circle Martial Arts
    “We are very pleased with the customer service we receive from Leap Payments. They are so much easier to deal with than our previous provider. Very rarely do we have any problems, but when we [ ]”

    Contact us now at 800-993-6300 or complete the form below and we’ll reach out to you. We know that there are lots of credit card processing companies, but one call to us and you’ll be telling your friends about Leap Payments.

    © 2017 Leap Payments, Inc.
    Leap Payments is a registered MSP/ISO of Elavon, US Bank N.A.
    as well as Visa, MasterCard, Discover and American Express.





    PCI Compliance #usbank, #usbank #card, #bank #card, #bank #card #services, #card #services,

    #

    PCI COMPLIANCE

    All merchants accepting credit cards must comply with the Payment Card Industry Data Security Standard (PCI DSS) before July 2010.

    What is PCI-DSS?

    The Payment Card Industry Data Security Standard (PCI-DSS) is a worldwide information security standard mandated by the Payment Card Industry Security Standards Council.

    Who makes up the PCI Council?

    The council was formed as a collaborative effort between the five major card brands: Visa, MasterCard, American Express, Discover, and JCB. By coming together, standards were created to help organizations that process card payments prevent credit card fraud through increased controls around data and its exposure to compromises. The major card brands have allowed acquirers and processors to enforce compliance through their own means.

    Why should I become compliant?

    You should become PCI compliant in order to make sure you are taking the proper care to ensure that cardholder data is protected. If a breach were to happen at your location, and if you are not PCI compliant at the time, the card associations may assess a fine against you and you will be liable for all the fraudulent transactions caused by the breach. However, if you are compliant, the fine may be reduced and you may not be responsible for the fraudulent transactions.

    How do I become compliant?

    As a merchant, you will be responsible to become PCI compliant by PCI regulations. However, as a USBSI merchant, we offer in house PCI assistance to guide you and your business in achieving PCI compliance. Merchants are often advised to complete compliance by going online or by requesting a Self Assessment Questionnaire (SAQ). Through these outlets, USBSI’s dedicated staff will provide guidance and advice to questions you have regarding PCI compliance.

    If you have further questions concerning PCI compliance and its requirements, you may contact a USBSI PCI Specialist at 888-525-8558 or visit the PCI Council’s website at http://www.pcisecuritystandards.org

    USBSI PCI Compliance

    Resources





    NACM – National Association of Credit Management #national #association #of #credit #management,

    #

    BENEFITS
    of being a member of NACM

    NACM is committed to assisting every member, meeting their needs and addressing their concerns by offering easy-to-obtain, high-quality products, services and programs.
    Here you will find valuable tools for the credit professional, including links to training resources, online education, useful forms and timely publications.

    Take advantage of these resources and so much more as a member of NACM.

    Visit our Knowledge and Resource Center

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    Business Credit Magazine

    Credit Manager’s Index

    National Trade Credit Report

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    CONSTRUCTION

    Services

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    Aug 1, 2017 | 10:20 am

    Jul 31, 2017 | 13:38 pm

    Jul 28, 2017 | 16:40 pm

    News

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    Written on 2017-08-02

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    New Texas Law Will Allow Suppliers and Others to Void Clauses on Projects that Require Out-of-State Resolution: nacmsts.com

    Written on 2017-08-01

    Construction Spending Falls in June: nacmsts.com

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    As the advocate for business credit and financial management professionals NACM and its network of Partners take great pride in being the primary learning, knowledge, networking and information resource for commercial creditors nationwide.

    NACM membership begins with a local NACM partner. Join our network today!

    Follow us on

    National Association
    of Credit Management

    Please schedule a visit. We are located close to Baltimore and not far from DC.





    Social Work Continuing Education CEUs Online #social #work #ceus, #psychologist #ceus, #psychology

    #

    Social Work Continuing Education Online

    CE hrs as Easy as 1, 2, 3!

    Step 1: Place your order by clicking the button above. Your 1 year unlimited CE hrs will be recorded in your User Account.
    Step 2: Select from 200+ courses. View course content and score test FREE. You get unlimited FREE trials to pass the test.
    Step 3: Once you have passed the test with a score of 80% or higher, log into your User Account and your certificate is available for print or download. Your CE history is maintained in your account.

    CE Videos

    View samples of our Social Work
    Continuing Education Course Content
    via YouTube Videos

    Social Media

    CE Course Reviews

    �I really liked that I could download the mp3 and listen to the substance abuse material in my car. That was very helpful and a main reason that I will use this site again in the future.� A. Lopes, Psychologist, Fort Myers, FL

    �Convenient and IPAD compatible. Very informative about the scope of the problem and systematic approach to dealing with bullies and victims.� D. Green, Counselor, Lakewood, OH

    CB �This was a great alternative to going to a conference and more conducive to my learning style. The information was in depth and very relevant. I can put what I read and thought about ethics into use today. Thank you.� C. Otteson, Social Worker, St. Joseph, MN

    �This was much better Medical Errors than I thought it would be. very relevant, adequate amount of content, outlined well. I’d do this again! Very helpful and relevant.” J. Baker, Counselor, Boise, ID

    �I appreciated the focus on shame and depression in men and it’s many more and less obvious manifestations.� M. Weissman, Psychologist, Washington, DC

    �Excellent ethics course, especially for those doing team work for ‘wraparound services’. Great review of ethical service delivery.� J. Walker, Social Worker, Indianapolis IN

    �Very helpful tools to use with geriatric population I work with on a pt time basis.� J. Weston, Social Worker, Gary, IN

    �Very helpful, helped confirm and fill in knowledge I have working with child with Asperger’s in middle school.� E. Tupa, Social Worker, Fargo, ND

    �I work for a behavioral health unit of a hospital that utilizes cognitive behavior therapy. I like cognitive behavior therapy because it provides specific strategies/tools/worksheets that can be employed to help patients immediately i.e. in groups or individually. Worksheets can be utilized after sessions to support the work/content previously explored.� J. Weston, Social Worker, Gary, IN

    �The cultural competency course was valuable and very well done. I am quite impressed. Very interesting! Liked the parts about where some of the history behind theses cultural Diversity wounds.� M. Daravis, Psychologist, Amarillo, TX

    �I will implement the information with my domestic violence survivors. Thank you!� D. Montalvo, Counselor, El Paso, TX

    �This was an excellent course – both informative and interesting. Liked the HIV/AIDS examples. Thanks.” P. Norkus, Counselor, Carlisle, KY

    Excellent course content on pain management. Many of the topics/techniques, etc. appear applicable to chronic, non-pain, medical conditions such as severe COPD, heart disease, etc. J. Hildreth, Psychologist, Louisburg, NC

    �Autism and Autism spectrum disorders is the area of special interest for me since I provide ABA therapy in early intervention program. I learned some interesting facts and will be able to sound more professional when I will discuss symptoms and behaviors of my clients with their parents. Also, I learned new facts, research findings, and strategies. I would be interested also in course on applied behavioral analysis.� T. Ross, Social Workers, Morganville, NJ

    �Better than expected. Thorough and authoritative. Addressed supervision with both breadth and depth and the sections built upon, and complimented one another.� P. Hector, Social Worker, Big Rapids, MI

    Welcome to a different kind of CE experience!

    So you need Social Work CE hrs for your license renewal. How we are unlike other sites, this is a markedly different experience. How? Each Continuing Education course has two sections. The first section provides you with a transcript of the Mp3 audio download. The main goal of these tracks is to provide you with practical information via case study examples. Each track is formatted to provide a tip or technique then to provide a case study which illustrates the tip or technique. It is this combination of practical techniques and case study examples that make our Social Work continuing education courses unique from any other CE provider .

    Thus you can download the mp3 files to your smart phone, iPod, etc to play as you commute to and from work.

    The next portion of each Continuing Education Course consists of research based information to provide a background for the techniques presented in the first portion of the Social Work course .

    So if you feel you don�t have the time nor the budget to attend a seminar consider the economical convenience of our online CE courses which contain mp3 audio downloads.

    Secondly, are you tired of taking Social Work courses that leave you empty handed or more appropriately stated, empty-minded, when you conclude the CE course ; receiving a hand or a mindful of nothing that can really help you in your next client session? Our CE courses are chalk full of practical, proven, how-to�s, tips, and techniques that can serve as real benefits to your clients.

    Thirdly, since all of our content is available, free without password or payment, you can provide your client with links to pages that underscore concepts or training you wish to have reinforced. Thus our website can serve as a client education tool. As you are aware when clients hear the same idea you are presenting in a session, from another source it often times has more validity and credibility.

    Fourth, in addition to mp3 downloads with practical techniques, research based information, and client training tools, the course content in the mp3 downloads, since it is an audio, is presented as if you were attending a seminar listening to a speaker. So rather than a reading through dry, perhaps boring, federal documents, you receive content-dense with useful information presented in the lively format of a professional speaker, while completing you Social Work license renewal requirements .

    Every point of our website has been uniquely tailored to customer ease and convenience from the special packages that appear when you enter your state and profession, to the Facebook sharing buttons should you wish to share useful continuing education information with your colleagues, to the discounts provided on the shopping cart for ordering larger dollar volumes of courses.

    You first of all come away with practical useful Social Work continuing education information provided at no charge, unlimited CE test scoring at no charge, money saving economical discounts and packages, mp3 downloads that you can reply as you commute to reinforce in your mind the valuable ideas presented so they will be at your fingertips at your next session; we have a YouTube channel that provides Power Points which can serve as staff and client training, as well as live seminars. Our Facebook . Twitter . LinkedIn. Google + . and Pintrest pages provide a multifaceted updates in addition to the valuable content found in the 200+ CE courses found on this website.

    In addition, CE courses are listed in four convenient formats. Social Work CE courses are listed by topic, Social Work CE courses by the number of hours they provide, Social Work CE courses by code, and Social Work CE courses by discount. Once again, customer ease and convenience is our goal.

    In addition each CE course page includes a carousel in the right hand column which helps you to view additional courses others have purchased in addition to the course you are currently viewing. Also at the top of each section there is a text link regarding the topic with which your course deals. This link will take you to additional Social Work CE courses dealing with this same topic should you wish an additional course on this topic or perhaps seeing if this course is offered in a different length to accommodate the exact number of CE hours you are seeking.

    Tracy Appleton, Director,
    Healthcare Training Institute





    State Employees Credit Union – Visa Credit Cards #except #credit #cards

    #

    Please Check Your Browser
    Your current browser is not capable of viewing this site because it does not support javascript.
    If you are still unable to access the site, please visit our Browser page .

    Visa Credit Card

    Primary Features

    • % Variable APR (Annual Percentage Rate) 1 applies to:
      • purchases
      • cash advance
      • balance transfers
    • Not an introductory rate
    • All members get this great rate
    • Grace period for purchases if the balance is paid in full each month
    • No annual fee
    • Approval of new credit card applications is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia
    • Members must be 18 years of age or older to be eligible for lending services

    Other Features

    • No balance transfer fees, but interest begins to accrue immediately
    • Can be used for overdraft on your checking account
    • Additional security protection by enrolling in Verified by Visa
    • Rental car protection through the Visa Auto Rental Collision Damage Waiver Program
    • Monthly and annual transaction statements available online
    • Photo may be added for additional security

    Customize Your PIN

    In order to select your own PIN, call (888) 886-0083 and follow the prompts to customize or reset your PIN.

    Balance Transfers

    As a service to our members we also offer the ability to transfer your high interest loans and credit card balances from another institution to an SECU Visa credit card with no transfer fee. For more information, please visit our Balance Transfer page.

    Credit Line Increases

    Already have a Credit Union credit card and need additional buying power? You can request a credit line increase through Member Access, at your local branch or after hours by calling Member Services. Credit line increases are permitted for existing credit cards regardless of the state in which you currently reside. Additionally, the Credit Union may automatically increase your credit limit from time to time based on your repayment history and other factors. We will notify you of any automated increase. Of course, you can decline any automated increase by simply letting us know.

    1 The variable APR is subject to change quarterly and is based on the 26-week Treasury Bill Auction held each quarter which establishes the index. A margin of 7.5% is added to the index to establish the interest rate. No minimum interest rate, maximum rate of 18.00% Variable APR.

    Page Resources

    For immediate assistance, contact our 24/7 Member Services at (888) 732-8562.

    Request a Loan

    At Your Local Branch
    Print a Loan Information Checklist to request a loan at your local branch.

    Print Checklist >>
    Online
    You can request a loan online via Member Access.

    Request Online >>
    Contact Us
    For questions about how to request a loan, contact our 24/7 Member Services at (888) 732-8562.

    Security Statement

    SECU will not ask for personal information such as online credentials, account numbers or card numbers via email, voice or text messaging.

    Calculators




    Balance transfer credit cards- consolidate your debt today #credit #cards # #transfer

    #

    Balance Transfers

    CALCULATOR INFORMATION

    The Balance Transfer Calculator estimates the amount you may be able to save by transferring to a NAB product. We’ll leave you to put in the amount you’re thinking of transferring and your current product’s purchase rate.

    Of course, any request by you to transfer this amount will be subject to our assessment of your credit application. So keep in mind, you may not be eligible for a balance transfer for the full amount on your existing cards.

    Calculator Assumptions

    Interest rate

    The interest rate displayed is our current balance transfer promotional interest rate.

    We’ve also displayed our current promotional purchase interest rate.

    All rates displayed are per annum.

    Fees

    This calculator only takes into account your current product’s purchase interest rate. You’ll also need to consider what other fees and charges apply to your current card and any discounts, or promotional offers, to assess any savings.

    The estimated savings also do not take into account any fees applicable to your new NAB product, including any balance transfer fee that may apply. So to more accurately assess any savings you’ll need to read the product webpages on this site and understand what fees and charges will apply.

    Monthly repayments

    The estimated savings assumes that during the promotional period you make no cash advances and make the minimum monthly repayments each month required under the terms and conditions.

    If you’re considering a balance transfer, there are several things you need to know.

    * Balance Transfer Special Offer

    Offer commences 1 June 2017. For approved applicants who apply for a new personal NAB Premium Card by 1 October 2017. The balance transfer interest rate will apply for a 20 month statement period from account opening. After the 20 months period, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 1 June 2017). Interest rates are subject to change and available at www.nab.com.au.

    Special promotion balance transfer must be applied for at the point of full card application. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when losing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

    Transfer as little as $200 from one or two cards.

    You can transfer balances from one or two non-NAB cards. Each amount needs to be at least $200.

    Terms and conditions available here. Fees and charges are payable. Approval and credit limit is subject to NAB’s credit assessment criteria. Information, including interest rates and annual card fees, subject to change. Correct as at 1 June 2017.

    Credit cards issued by National Australia Bank Limited. ©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL Australian Credit Licence 230686.





    British Airways Credit Card #card, #american #express, #airways #american #express, #british #airways,

    #

    British Airways
    American Express Credit Card

    • Spend 20,000 or more on your Card within an anniversary year and you’ll receive a Companion Voucher

    Companion Voucher

    Terms and Conditions apply to Avios redemptions. Reward flights and companion voucher bookings are subject to availability. Detailed information on companion vouchers can be found here or by calling 0844 493 0750. Please note, calls cost a maximum of 7p per minute, plus your phone company’s access charge. All applicable Terms and Conditions will be provided within your Welcome Pack if you are approved.

    valid for 12 months. Redeem your Avios for a reward flight and your companion goes with you, in the same cabin. All you have to pay are the taxes, fees and charges for each ticket.

    • 1 Avios

      1 Avios

      For the Credit Card, you will be awarded 1 Avios for virtually every 1 spent and charged per transaction. Avios are not earned on Balance Transfers, Cash Withdrawals, American Express Travellers Cheques purchases, Foreign Exchange, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. Written details available on request.

      5,000 bonus Avios

      For the Credit Card, 5,000 bonus Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of 1,000 on goods and services to the Account within three months of Account opening. Introductory offers are not available if you currently hold or have held any other British Airways American Express Cards in the past six months. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend.

      when you spend 1,000 in your first three months of Cardmembership

    • Spend 20,000 or more within an anniversary year to earn a complimentary Companion Voucher
    • Complimentary Supplementary Cards

      Supplementary Cards

      Supplementary Cards allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardmember and will be liable for all charges made on the Supplementary Card(s). Additional Cardmembers must be 18 years or over. Written details available on request. Applicants must be 18 years old or over. Approval subject to status and Terms and Conditions apply.

      for friends and family members (subject to approval).

    Start planning a new adventure with your Avios.

    Avios

    Your reward

    • 20,000
    • One return flight from London to Athens* or other great locations in Europe and Africa
    • 15,000
    • One return flight from London to Rome* or other great locations in Europe
    • 9,000
    • One return flight from London to Berlin* or other great locations in Europe

    Examples shown are based on redeeming Avios through the British Airways Executive Club programme for return flights departing from and returning to London. With the British Airways American Express Credit Card you will earn 1 Avios for virtually every 1 you spend.
    *Terms, taxes, fees and carrier charges apply.

    Now you can enjoy your travels that much more with 24/7 travel protection benefits.

    • Global Assist provides help when you travel outside the UK, in your own language, 24/7
    • Travel Accident Insurance

    Insurance

    Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.

    up to 75,000 on public transport when you buy your ticket with your Card

  • Automatic Enrolment to the British Airways Executive Club including priority on standby waiting lists. Vital when you most need it.
  • As you might expect from American Express, the service is a little bit special. The first person to answer your call will be your contact until the matter is resolved. You can phone, text or email us 24/7 and we’ll get on it right away. But that’s just the start.

    • Eligible items you buy in the UK on your Card have Refund Protection

    Refund Protection

    Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.

    . Items are covered up to 90 days and we’ll replace or refund up to a maximum of 200. Even if the retailer won’t

  • You also get Purchase Protection

    Purchase Protection

    Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.

    . If you bought it on your Card and it’s stolen or damaged within 90 days, we’ll replace or repair it, or refund you up to 2,500 per eligible item

  • Don’t recognise a purchase? We’ll remove it from your account immediately and investigate it for you as part of our online fraud guarantee
  • Make your next night out a memorable one with American Express Invites

    American Express Invites

    Cardmembers can enjoy access to a wide range of sought after events, often before they go on general sale. Tell me more

    enjoy access to purchase tickets to some of the most in-demand music, film and theatre events in town.

  • To save time, before applying for your British Airways American Express Credit Card it’s best to make sure you can say yes to the following.

    • I am aged 18 or over
    • I have a current UK bank or building society account
    • I have a permanent UK home address
    • I have no history of bad debt
    • I understand I will not be eligible for any Welcome Bonus award if I hold or have held any British Airways American Express Card product in the past six months

    If you can say yes, go ahead. Your application could take less than 10 minutes and we may be able to give you a response in less than 60 seconds – so apply now.

    Apply now with our secure application form.

    Please ensure that you have read and downloaded these important documents before starting your application.

    Need help completing your application? Click here for more information.

    If you are visually impaired, our online applications are accessibility software compatible.





    Credit Repair: Fix Credit Scores and Reports #ovation #credit, #credit #repair, #credit

    #

    Bankruptcy Lingo: 12 Terms You Need to Know

    Going through bankruptcy is tough. It takes the advice of a good lawyer or a finance expert to make sure that you do everything right and well. On top of it all, the intricate nature of the process and the emotional impact of the proceedings can make the entire bankruptcy feel more complicated than it. Read More

    Leasing Vs. Buying a Car

    Should you lease your next car, or should you buy it? It can be a tricky decision, with various positive and negative aspects to both options. An important factor ― one that some people neglect to consider ― is how each choice can affect a credit report. It turns out that leasing and buying can. Read More

    Build Credit: New Credit Lines vs. Authorized User

    It takes credit to build credit. This statement is all-too-common and a big reason for why many new borrowers turn to relatives for help. The method of becoming an authorized user to build credit is nothing new. In fact, many parents put their children down as authorized users on their own credit cards for this. Read More

    7 Tips for a Debt-Free Summer Vacation

    Taking a vacation with your family should be a pleasant thing #8211; a rare treat in a schedule that is otherwise consumed by soccer practices, school recitals and working too many hours. Don t let debt get in the way. It is possible to have a debt-free summer vacation and still have an amazing time with. Read More

    Essentials Program

    The Essentials Program includes everything that you need for most standard credit report repair issues, and allows you to dispute each item on your credit report that you feel is inaccurate, misleading, or unverifiable in any way. Read More.

    • Professional Credit Analyst
    • Unlimited Bureau Disputes
    • Personal Case Advisor
    • Online Dispute Management
    • Financial Management Tools
    Monthly
    Fee

    $59.00





    New York Yankees 2200mAh Credit Card Power Bank #new #york #yankees #2200mah

    #

    About this item

    Disclaimer: While we aim to provide accurate product information, it is provided by manufacturers, suppliers and others, and has not been verified by us. See our disclaimer.

    Never be the one with out the power again. This small, but powerful portable USB charger helps your mobile devices last as long as you do. Just plug your favorite device in to give it the charge it needs on the go. Not only will you turn heads because of your tech-savvy battery rescue abilities, but the officially licensed design from your beloved New York Yankees will really add some energy the next time you need to charge up. Designed and printed in Portland, OR, all Keyscaper gear is officially licensed and comes with a 1-year warranty against manufacturer s defects.
    New York Yankees 2200mAh Credit Card Power Bank:

    • Officially licensed by MLB
    • Designed and printed in Portland, Oregon
    • Convenient credit card-sized power bank for all your charging needs
    • Enough juice to give you a full charge while on the go or to get you through the rest of that movie

    Specifications

    Walmart Product Care Plans

    A limited product warranty is included free for most items. With an optional Walmart Care Plan you can enhance the manufacturer s coverage from the date of purchase. Walmart Product Care Plans cover 100% of the cost for repair or replacement, including shipping charges for the exchange.

    We ll show you Care Plan options and pricing at checkout if applicable, or go to www.walmart.com/careplans for more information.

    Product warranty: 1 Years See details

    Warranty Information: Keyscaper stands behind it s products 100%. If your item arrives damaged, defective or at all not how you expected will will fix it, replace it or refund it. All items carry a 1 year warranty against defect.

    Gifting plans

    Gift options are not available for this item.

    Pricing policy

    About our prices

    We re committed to providing low prices every day, on everything. So if you find a current lower price from an online retailer on an identical, in-stock product, tell us and we ll match it. See more details at Online Price Match.

    Returns

    Returns are easy at Walmart

    Not happy with a purchase? No problem. We ve made returning items as easy as possible. And, most purchases can be returned for free. Learn more about our Returns Policy.





    Potential Drawbacks of Web Based Merchant Account Credit Card Terminal – USBSwiper

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    Potential Drawbacks of Web Based Credit Card Merchant Account Terminals

    Many businesses sign up for merchant accounts where they want to be able to process credit cards through their computers via the internet. This can be a great alternative to traditional merchant account systems which typically require expensive purchase or lease terminals and the requirement to add a separate phone line for transmission of the data.

    Once approved, the merchant is given a user name and password that they use to log into their web portal merchant account web page also known as a “Virtual Terminal”.

    The page(s) of the Virtual Terminal have fields for data entry of the customer name, credit card number, expiration date, security code, billing address and transaction amount and details.

    Some virtual terminal systems such as Chase PaymenTech also allow for the addition of a low cost credit card reader so that the cumbersome data can be easily “swiped” into the system. This will not only save on time but also errors in data entry. However, many systems that do allow for a “swiper” system require only that particular merchant processor’s own expensive reader which can sometimes be quite cost prohibitive.

    Some of the drawbacks of this Virtual Terminal system need to be taken into consideration before deciding on this type of credit card processing system.

    One of the biggest problems a merchant can experience with this type of system is what happens when the internet goes down for whatever reason. When a web based credit card processing system loses internet, the entire system is rendered Worthless. Because the system is web based, losing internet loses all data entry and all processing capabilities. This can be devastating and amount to profit loss for a business.

    Also, logging in to the virtual terminal can sometimes be a long and tedious process depending on the speed of your internet and how busy the processors servers are. The other problem which can be a real nuisance is that if there is any period of time where you are not doing transactions, many virtual terminals will log you off which will then require you to re-log back in.

    A second problem with this type of system is the lack of receipt printing formats. Again, because it is web based, the only “receipt” a merchant can print is the actual web page itself. This will require a laser or inkjet printer which will end up being expensive for not only 8.5 x 11 printer paper, but also for toner. Also, depending on the type of printer being used, this can be a slow process that customers do not want to wait for.

    It is extremely important for a merchant to print a receipt not only to give to a customer but also to get signed for their own chargeback protections. There are a very few web based virtual terminal type systems that have formats built into them that will allow printing receipts to smaller thermal receipts such as the type you are used to seeing at a typical store that also has a signature line for customer signatures as well as some of the other formatting that will make a business look more professional.

    Another drawback to these systems is that most have no bar code scanning capabilities. Many businesses with a lot of products benefit from being able to do bar code scanning for fast point of sale checkout. A virtual terminal system will typically have no provision for this or even a drop down list of products, descriptions, or pricing. All information typically must be entered in for each transaction manually. This can result in wasted time and productivity.

    The USBSwiper.com System solves all of these problems in a cost effective easy to use credit card processing solution. Because the USBSwiper.com system is software based, should internet be lost for any reason, all the transactional information is saved in the system. That way, when internet returns, those transactions can then be processed. Also, the system incorporates bar code scanning and professional custom receipts with a full line of 2.25” portable and rechargeable receipt printers .

    Also because you are not logged into any web based system, you do not have to worry about being logged off and having to take the time to re-log back on to those web based servers which can sometimes take a long time and customers do not like to wait.

    In addition to this unique software based system, USBSwiper offers a full line of competitive low rate merchant account options giving any business cost savings and flexibility not found in most other systems. The USBSwiper merchant account options also offers ecommerce integration at no extra gateway fess which saves considerable amount of money for all inclusive merchant credit card processing features.

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    Degree Programs at MCCC #mercer #county #community #college, #mccc, #programs, #degree #programs,

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    Visual Arts
    concentrations: Art History, Ceramics/Sculpture, Fine Arts

    * State approval pending
    1 offered with Camden County College
    2 offered with Mercer County Technical Schools
    3 offered with Rider University
    4 A.S. degree awarded by MCCC; Diploma awarded by St. Francis Medical Center School of Nursing
    5 A.S. degree awarded through a cooperative program with the School of
    Health Related Professions at Rutgers, The State University of New Jersey

    6 A.A.S. degree awarded through a cooperative program with Brookdale Community College


    The academic programs offered by Mercer County Community College are among the most diversified and comprehensive in the country. Included are transfer programs that prepare students for entry into baccalaureate programs and career programs that prepare students for immediate employment after graduation.

    The terms “transfer” or “career” simply describe the primary objective of the program. Many transfer graduates have been successful in gaining employment upon graduation. Many graduates of career programs have been successful in transferring to four-year colleges, with many of their MCCC credits being accepted.

    In general, both kinds of degree programs require no more than 66 credits for graduation.


    Because Mercer is committed to promoting intellectual development, aesthetic appreciation, and cultural awareness, every program of study includes a general education component. This component, addressed through a variety of courses, focuses on reading analytically, communicating ideas clearly, solving problems, and developing a broad base of knowledge. Students are given the opportunity to develop analytical, synthetic/creative, and evaluative thinking; scientific reasoning; artistic response and expression; historical consciousness; cultural awareness; and sensitivity to the contemporary world.


    Transfer degree (A.A. A.F.A. or A.S.) programs are designed primarily to enable students to enter the third year of baccalaureate study at four-year colleges. The largest student enrollments in transfer degree programs are in humanities and social science, business administration, education, criminal justice, and nursing. Other transfer degree programs range from architecture, communication and visual arts to engineering science and plant science.

    For many students, the transfer experience is made easier by “dual admission” and “program articulation” agreements between Mercer and other colleges.


    Career degree (A.A.S.) programs are designed primarily to prepare graduates for entry-level employment in an occupation which requires both theoretical knowledge and practical skills. Mercer has A.A.S. programs as varied as accounting, aviation, chef apprenticeship, electronics, ornamental horticulture, microcomputer systems administration, television, funeral service, and computer graphics.

    Two engineering technology programs function both as transfer degree and career degree programs, with slightly more than half of all graduates transferring to four-year technology programs and others finding employment. Many employed students use career programs to gain advanced positions in their chosen field or to change careers. Some other A.A.S. programs also provide a basis for transfer to four-year colleges; a student may lose credits, however, if he or she transfers to an unrelated program of study.


    Many students enroll at Mercer for purposes other than earning a degree or certificate. The college offers four enrollment categories for such students:

    • Other college — Students take courses at Mercer to fulfill program requirements at another college.
    • Job Related — Students take courses specifically selected to enhance knowledge and skills for current or future employment.
    • Exploratory — Students are undecided about which degree or certificate program they intend to pursue. They may take courses from several program areas to help them select.
    • Personal — Students take courses for other reasons. Advisors at each campus help non-degree students select courses.


    Mercer offers a comprehensive program for students who are learning English as a second language. The multilevel sequence consists of two pre-credit and eight credit courses that emphasize grammar, speech, reading and writing skills. The free ESL placement test, arranged through the ESL Learning Center, should be completed at least two weeks before registration for classes.

    The noncredit preparatory courses are offered through the English Language Institute (ELI) at the James Kerney and West Windsor campuses. Contact ELI at the James Kerney Campus or the ESL Learning Center at the West Windsor Campus for further information.


    The LPN-RN advanced placement option offers licensed practical nurses (LPNs) the opportunity to gain experiential credit for their LPN license and receive credit for Fundamental Concepts of Nursing (NRS 110). Applicants must possess a high school diploma (or equivalent), have graduated from an accredited LPN school, possess a valid New Jersey LPN license and complete all the prerequisite course requirements for the nursing curriculum.

    Admission to the professional phase of the program requires a minimum GPA of 2.5 and a passing score on the HESI Admission Assessment Exam. Six credits are given for Fundamental Concepts of Nursing (NRS 110). The student is then able to enroll in Alterations in Health I (NRS 120), Alterations in Health II (NRS 121), or Concepts of Mental Health Nursing (NRS 123). Students must earn a minimum grade of C in all nursing, science, and mathematics courses to graduate.

    Please note that admission to either of the LPN-RN Advanced Placement program options are on a space available basis only.

    Students who complete the college’s Nursing program earn the Associate in Science (A.S.) degree and eligibility to take the National Council Licensure Examination (NCLEX) for Registered Nurses (RNs).


    Cooperative education integrates textbook and classroom learning with work experience. Several academic programs offer cooperative education components. The program affords many advantages to students who are able to earn an income while attending college and earn college credits for their cooperative education experiences. In addition, many graduates find employment easier to obtain if they have had prior work experiences.

    A successful co-op experience requires careful delineation of learning objectives and employer willingness to support them. The college assists students in defining objectives and obtaining co-op positions.





    Excelsior College #mba #degree, #mba #program, #business #administration, #mba, #human #resource #management,

    #

    Human Resources Management

    Effective HR management leaders put individuals in a position to succeed. We do the same thing at Excelsior College: We help adult students succeed by offering a fast, affordable route to an Master of Business Administration (Human Resources Management) .

    A national leader in distance learning for more than 40 years, Excelsior College can help you fit an MBA program into your schedule and budget. Our human resources management concentration features:

    • Online classes that you take at your convenience.
    • A fast track to graduation, with liberal credit-transfer policies that get the most out of your previous education (including approved military classes and professional certificates).
    • Budget-friendly tuition, financial aid, and flexible payment options. (Get the exact figures on Excelsior’s low tuition and fees. )
    • Rigorous HR management classes that are academically equivalent to traditional on-campus programs.
    • Personalized academic advising and support.
    • Sensitivity to the particular educational needs of working adults.

    Here’s how an Excelsior College MBA can help you fast forward your career.

    A Practical MBA With a Real-World Focus

    Excelsior College is accredited by the Middle States Commission on Higher Education. To learn more about the MSCHE accreditation programs and specialized accreditations, see our accreditation page.

    Excelsior’s MBA programs emphasize practical workplace knowledge over theoretical learning. You’ll take online HR management classes in subjects such as:

    • Labor relations
    • Conflict resolution
    • Compensation and benefits

    Review the degree requirements for Excelsior’s online MBA program.

    Upon completion of an Excelsior College Master of Business Administration, the graduate will be able to:

    1. Analyze real-world business problems and generate recommendations for action.
    2. Integrate accounting, marketing, finance, management, and economics into strategic business analysis.
    3. Assess the impact of the global business environment on business situations.
    4. Apply quantitative methods to analysis of business situations.
    5. Perform ethically and professionally in business and society.
    6. Communicate effectively to relevant audiences orally and in written materials.
    7. Collaborate in teams to produce required deliverables.
    8. Apply project management skills to business situations.
    9. Assess the ethical implications of actions for diverse stakeholders.

    The MBA requires 36 – 51 credits, depending on a student’s prior learning. Students may transfer in up to 24 approved credits. The program has 5 foundation requirements that can be waived on the basis of prior upper level undergraduate study in the relevant areas. Approved undergraduate courses must be no older than 10 years, with a grade of B or better. The foundation requirements are:

    • Ethics
    • Economics
    • Marketing
    • Organizational Behavior
    • Quantitative Analysis

    Any waivers will be counted as part of the 24 credits allowed in transfer. See catalog for further details.

    See the credit requirements in chart form .

    IACBE Specialized Accreditation

    Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org . The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Business and Master of Business Administration.





    Check business credit score #check #business #credit #score

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    Credit Report Credit Score Options to Fit Your Needs

    Credit Monitoring

    • Equifax Complete Premier Plan Our most comprehensive credit monitoring and identity theft protection product with your Equifax 3-Bureau Credit Scores and Report, customizable alerts and identity theft features.
    • Equifax Complete Advantage Plan Go back to the basics with access to your Equifax 3-Bureau Credit Scores and Report, along with credit monitoring
    • Equifax Complete Family Plan Receive all of the credit monitoring benefits of our most comprehensive credit monitoring product for 2 adults, plus Equifax Credit File Monitoring for up to 4 children
    • Score Watch Know your FICO score, and watch your score trend over time

    Identity Protection Assistance

    • Equifax ID Patrol Premier Monitor your credit for unusual activity and customize alerts that are right for your lifestyle.
    • Equifax ID Patrol Conveniently lock and unlock your Equifax credit file, and get credit file monitoring with alerts to help better protect the information you’ve worked hard to earn.

    Tell Us Why You’re Here, and We Will Help You Find the Right Product

    Learn More About.

    • Credit Reports We give you the tools you need to understand how your financial behavior impacts you and your credit.
    • Identity Theft Learn what you can do to better protect your information, and what you should be looking for when it comes to identity theft.
    • Credit Scores Understanding credit scores, your creditworthiness and how credit scores are used in day to day life.

    Quicklinks

    Customer Service

    Credit Report Assistance

    • Get my Free Annual Credit ReportRead more information and education about the credit report you’re due each year.
    • Dispute Info on Your Credit ReportCreate a dispute if your credit report contains a potential inaccuracy
    • Request a Fraud Alert Place a fraud alert on your credit report.

    1 and ID theft protection solution from Equifax.’ categoryId=”cm_id” categoryName=”Credit Monitoring and ID Theft Products” price=”19.95″>

    Your Credit, Your Identity.

    Take control with a one-stop credit monitoring 1 and ID theft protection solution from Equifax.

    • See your Equifax 3-Bureau credit scores in minutes
    • Receive alerts about suspicious activities
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    Equifax is on your side with a subscription to Equifax Complete™ Premier Plan.

    Cancel at any time; sorry, no partial month refunds.

    What you need to know:

    Equifax® 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. Third parties use many different types of credit scores and will not use the Equifax 3-Bureau credit scores to assess your creditworthiness.

    While you’re more than a credit score at Equifax, understanding your credit behavior, credit report, and creditworthiness is an important first step in making sure you’re set up to reach your goals.

    Identifying Your Credit Fingerprint

    Your credit history is a lot like a fingerprint: Everyone’s credit history is unique, and no one’s looks exactly the same. Whether you’re just starting out, on a steady course, or need to understand how to get back on track, we give you the tools you need to understand how your financial behavior impacts you.
    Learn More

    Learn about Identity Theft

    The Basics of Identity Theft

    From child identity theft to tax identity theft to information on data breaches and how they might impact you, we provide you with the latest information, and what you can do to better protect your information, and the red flags you should be looking for when it comes to identity theft.
    Learn More

    Victim of Identity Theft?

    Recovery Starts Here and Now

    Has someone used your name, Social Security number, date of birth, or other identifying information, without your permission, to commit fraud? Learn the rights you have as a consumer and the immediate steps you can take to get back in control when your identity has been compromised.
    Learn More

    Making a Large Purchase?

    Create Your Best Tomorrow

    Don’t wait for surprises to derail life’s milestones or your plans for the future. Find out what your credit history looks like and determine if there’s financial behavior you want to change. Having the right tools at your fingertips can help you to understand how the choices you make may impact your credit.
    Learn More

    Tell us why you are here today:

    Understand Your Credit Report

    Learn about Identity Theft

    Victim of Identity Theft?

    Making a Large Purchase?

    Identifying Your Credit Fingerprint

    Your credit history is a lot like a fingerprint: Everyone’s credit history is unique, and no one’s looks exactly the same. Whether you’re just starting out, on a steady course, or need to understand how to get back on track, we give you the tools you need to understand how your financial behavior impacts you.

    While you’re more than a credit score at Equifax, understanding your credit behavior, credit report, and creditworthiness is an important first step in making sure you’re set up to reach your goals.

    The Basics of Identity Theft

    From child identity theft to tax identity theft to information on data breaches and how they might impact you, we provide you with the latest information, and what you can do to better protect your information, and the red flags you should be looking for when it comes to identity theft.

    Recovery Starts Here and Now

    Has someone used your name, Social Security number, date of birth, or other identifying information, without your permission, to commit fraud? Learn the rights you have as a consumer and the immediate steps you can take to get back in control when your identity has been compromised.

    Create Your Best Tomorrow

    Don’t wait for surprises to derail life’s milestones or your plans for the future. Find out what your credit history looks like and determine if there’s financial behavior you want to change. Having the right tools at your fingertips can help you to understand how the choices you make may impact your credit.

    Understanding credit inquiries

    When it comes to inquiries on your credit report, not all are the same – and not all can impact your credit score. Learn the difference between a hard inquiry and a soft inquiry and how they impact your credit score.

    Making monthly payments

    How do your monthly credit card payment habits impact your credit score? Will paying the minimum impact your credit score? Find out how your monthly credit card payment habits may be impacting your credit scores – in ways you may not know.

    Recovering from Identity Theft

    Whether you’ve been a victim or simply want to know what you should do if you are one, taking these 12 steps may help you better recover from one of America’s fastest growing crimes.

    Your Identity Starts with Your Credit Report

    An important step to take in determining whether you may have been a victim of identity theft is to check your credit report for unexpected activity.

    Five Steps to Take After You’ve Been a Victim

    Unfortunately, in most cases, people do not learn that they have been a victim of identity theft until after the damage has been done. Taking these five steps can help you take back the control after you’ve been a victim of identity theft

    Identity Theft: Beyond Dollars and Cents

    Let’s face it: Identity theft is personal. And because of that, it often takes its toll on the victim, financially and emotionally. Learn how this crime has gone beyond dollars and cents.





    Credit Card Debt Relief Government Program – Project Debt Relief #credit #card

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    Credit Card Debt Relief Government Program

    Highlights (Click for More):

    The government has no specific programs to grant consumers bailout from credit card debt. However, there are a variety of other ways in which the government can provide relief, from recently passed legislation to regulate credit card companies and protect cardholders, to granting bankruptcy filings which can partially or fully forgive credit card debt. to publicly funded credit counseling agencies which can provide you with debt management plans and indirectly through consolidation loans.

    Read on to learn more about each type of credit card debt relief government program.

    Legislation to Help with Credit Card Debt

    Recently, the government has passed legislation designed to make the likelihood of getting into, eventual consequences, and handling of credit card debt easier for consumers. There are three major components of this legislation, which regulates credit card companies and protects cardholders:

    • Earlier Bill Notices. As of August of 2009, credit card companies are legally obligated to notify cardholders of changes to their credit card contract 45 days prior to making the change. This legislation protects the cardholder from the credit card company changing the terms of contract without sufficient prior notice and allows the cardholder more of a choice in the rate at which he or she wants to repay the debt. It’s important to note that you, as the cardholder, also now have the right to refuse a proposed change in your contract. Keep in mind that if you do refuse the change, then you have a maximum of five years to pay off your debt at the originally contracted rate.
    • Restricted Interest Rates. As of February 2010, unless a cardholder has failed to make a single payment within a full 60 day period, the credit card company does not have the right to raise the interest rate on the cardholder’s credit balance. This legislation is designed to protect cardholders from suddenly seeing that their interest rate has been increased while they are struggling to make consistent payments. This is an improvement over past situations where credit card companies raised interest rates in the middle of repayment plans, leaving cardholders to adjust to new and higher payments.
    • Greater Notification to Consumers: The April 2009 legislation also obligates credit card companies to send a statement in the mail to a cardholder three weeks before their payment is due. This three week period is designed to give advance notice to the cardholder of the impending payment, and it is also intended to allow the cardholder a two-week paycheck period during which he or she can hopefully obtain the money necessary to make the payment. The extra week this three week period allows, an improvement over the prior laws under which credit card companies only had to mail statements two weeks before they were due, aims to prevent late payments as well.

    Debt Relief Programs Approved by the Government

    Though it’s not ideal, if you are in an absolutely desperate debt situation and can see no feasible way out, your best bet is to petition your local branch of the United States Bankruptcy Court and file for bankruptcy. If the Court reviews your records and finds your debt to be eligible, you may be granted partial or full relief. If you are facing credit card debt, this is the closest to a credit card debt relief government program. There are two personal types of bankruptcy you can file with the Bankruptcy Court: Chapter 7 and Chapter 11 Bankruptcy.

    • Chapter 7. You may be eligible to file for Chapter 7 bankruptcy if your income is less than the median yearly income level for a person or family in your state. Filing Chapter 7 bankruptcy will erase most of your debt history; however, you should be aware that your credit score will be damaged for 10 years after your filing.
    • Chapter 13. You may be eligible to file for Chapter 13 bankruptcy. One thing to be aware of with filing Chapter 13 bankruptcy is that your credit score will be damaged for seven years after the date on which you filed.

    Debt Settlement as an Alternative to Bankruptcy

    Government Programs for Debt Relief

    Filing for Chapter 7 or Chapter 13 Bankruptcy can plague you with a set of challenges. such as lawsuits, monetary judgments, or garnished wages which you may want to avoid, not to mention the long term impact on your credit score which it may incur. If you want to avoid bankruptcy, debt settlement is a viable and recommended alternative by the Federal Trade Commission. Under debt settlement, a debtor can receive a lump sum agreement or installment through which he or she will pay off debt at a reduced, fractional rate of the total account balance, perhaps at around half, or more or less depending on the debtor’s situation. Though debtors can hire a firm to help with creating a debt settlement plan. the FTC warns against for-profit firms as they are often out to scam debtors. Debtors can create their own self-managed debt settlement plan or look into free credit counseling agencies .

    Seek Help from a Government Funded Credit Counseling Agency

    The U.S. Department of Housing and Urban Development certifies credit counseling agencies, which are close to qualifying as a credit card debt relief government program and can create a debt management plan for the debtor. The way credit counseling agencies work is that, after a free initial session, the debtor pays the agency a monthly fee. The agency then works out a reduced payment plan with the credit card company. In exchange, the credit card company will often agree to end any lawsuits or collection plans as long as the debtor is on the plan.

    Government Debt Consolidation Loans

    Another way in which a credit card debt relief government program can indirectly help you is through government debt consolidation loans. There are a variety of government debt consolidation loans available, depending on what type of debt you are in, whether it is student or mortgage.





    Non Profit Debt Consolidation – Counseling Services #credit #counseling #and #debt #consolidation

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    Credit and Debt Counseling Agency

    CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt issues. We will help you get out of the debt through our best credit counseling. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.

    Certified Credit Counselors – Free Consultation

    Our credit counselors are certified and trained to deal with both secured and unsecured debts. The counselors will evaluate your needs and your expenses and custom design a plan that will allow you to make an affordable debt payment within your budget that gets you out of debt faster than you ever thought possible. Your debt management plan will get you debt free and keep you debt free! Then we provide a tailored, written debt consolidation plan based upon the debt counseling that considers affordability and reliability of the debt program, as the main priority.

    Credible Debt Counseling – Confidential Easy

    CreditGuard of America provides a variety of online credit counseling and debt management tools to assist consumers with their debt problems. Our credit counseling agency gives advice on personal budgeting, debt consolidation through debt management programs as well as home equity loans, credit cards promos, and filing for bankruptcy. Thousands of consumers have been able to get back-on-track using our debt counseling and debt solutions that helped them in managing their bills and credit card debt .

    Whatever your credit problems are, CreditGuard of America, Inc. a credible credit counseling agency, is there to help you. Contact us online by filling out the contact form above or call CreditGuard of America, Inc. at 1-800-500-6489 to find out more about our online debt consolidation and credit counseling programs!

    Free Financial Education – Get Out of Debt and Stay Out of Debt

    CreditGuard of America, Inc. is dedicated to educating consumers on financial literacy. Through financial education, our non profit credit counseling agency hopes to prevent the consumers from falling into the “debt trap” and help those already in trouble. Our online education resources provide comprehensive information regarding the effects of best credit counseling over debt collection and money management.

    Our Credit Management Series helps consumers in understanding how their credit works. Our Debt Collection Series examines the consumer credit rights and the credit laws that protect them. Our Money Management Series gives practical advice on money matters.

    Contact us online by filling out the form above, or Call CreditGuard of America at 1-800-500-6489 for more information on our non-profit credit counseling and debt counseling agency. Certified Credit Counselors are available Monday – Thursday 8:00 am – 10:00 pm Eastern, Friday 8:00 am – 9:00 pm Eastern, Saturday 10:00 am – 6:00 pm Eastern. For online service, 24/7, use the Credit Card Debt Analyzer to calculate your estimated interest and payment savings available, through our debt management program.





    Platinum Credit Card – Visa Cards #hsbc,platinum #credit #card,platinum #cards,platinum,visa #cards,australia,application,apply,bank,banking,

    #

    HSBC Platinum Credit Card

    Visit our quick comparison page so you can decide which credit card best suits your needs.

    • Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Offers available to new, approved HSBC credit cardholders who apply by. Fees, charges, terms, conditions and HSBC lending criteria apply to all credit cards issued by HSBC. Visit hsbc.com.au or call 132 152. Interest rates are valid at the time of publication and are subject to change. HSBC credit card account holders who have previously cancelled their card may be ineligible for these promotional offers.
    • Terms and conditions apply to the use of Apple Pay.
    • Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc. registered in the US and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc.
    • The HSBC Platinum Credit Card was awarded Outstanding Value in the Frequent Flyer $12,000 annual spend category and the Premium $60,000 category.
    • 1 To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card. The interest rate on the balance transfer applies for 22 months for the HSBC Platinum Credit Card. The balance transfer must be from non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the cash advance rate (currently. as at and subject to change). HSBC will allocate payments we receive from you to pay off the portion of your balance which attracts the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your HSBC credit card account to pay off other transactions such as purchases and cash advances before any balance transfer amount.
    • 2 The Balance Transfer Fee will be calculated as a percentage of the balance being transferred to your HSBC credit card account. This fee will be applied at the time the balance is transferred and forms part of your total outstanding balance.
    • 3 $99 Annual Fee applies. This will be refunded for customers who apply between 5 May 2017 and. and spend $6000 on eligible purchases within 12 months of account approval. Refunds will be posted automatically within 30 days of eligible spend criteria being met, if your account is current and in good state. Annual fee will then be charged annually on the anniversary of the account opening date, and refunded for customers who spend $6,000 on their card within the following 12 months. Eligible purchases exclude interest free and other promotions, balance transfers, business expenses, cash advances, fees and charges, disputed transactions, BPAY and any government fee or charge.
    • 4 Rewards Plus Program terms, conditions and points capping limits apply. Eligible purchases exclude interest free and other promotions, balance transfers, business expenses, cash advances, fees and charges, disputed transactions, BPAY and any government fee or charge.
    • 5 Insurance policies are issued by AGA Assistance Australia Pty Ltd ABN 52 097 227 177(AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 124708)) and HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditions. limits and exclusions available at www.hsbc.com.au. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at hsbc.com.au or by calling 1800 648 093.
    • 6 home Away Privilege Program terms and conditions apply.
    • 7 Depending on when you make your purchases, when your statement is issued, and if you pay off the outstanding balance on your next statement of account on or before the due date. There are no interest free days for cash advances or balance transfers. You will not gain the benefit of the interest free period unless you pay the full balance (including any balance transfer or promotional purchases) by the due date.
    • 8 Facility and provider fees and charges may apply. ATM transactions fees may apply for use of non-HSBC ATMs.
    • 9 Redemption of HSBC Reward Points for Velocity Points is only available to eligible HSBC Premier or Platinum credit card holders. 1 Velocity Point will be earned for every 2 HSBC Reward Points transferred. A minimum Points transfer requirement applies; members must transfer in blocks of 5,000 or 10,000 HSBC Reward Points. To redeem HSBC Reward Points for Velocity Points, individuals must be a Velocity Member. Membership of Velocity is the Cardholder’s responsibility and is subject to the Velocity Membership Terms Conditions as amended from time to time, available at velocityfrequentflyer.com. The redemption of HSBC Reward Points will be administered solely by HSBC and may take up to 5 business days or longer to transfer into the Velocity Membership Account. Once HSBC Reward Points have been redeemed for Velocity Points, they are governed by the Velocity Membership Terms Conditions and cannot be cancelled or reversed. All Velocity Points redemptions with Velocity Frequent Flyer are subject to availability which may be limited and are subject to Velocity Membership Terms Conditions available at velocityfrequentflyer.com .

    Privacy and Security | Terms of Use | Hyperlink Policy | General Advice Warning
    Copyright 2017. HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit Licence 232595 All rights reserved.





    Barclaycard Contact Number: 0870 218 5341 #barclaycard #credit #card #contact #number

    #

    Barclaycard Contact Number: 0870 218 5341

    +44 800 151 0900

    Customer Services: 0800 151 0900

    Phone 0800 151 0900 if you want to find out if you can sign up for a credit card or if you want to find out if it is possible for you to make a change to the account that you do have. Call 0800 151 0900 if you want to chat with Barclaycard about your upcoming expenses or if you would like to change the details that you have on your card. Phone Barclaycard on 0800 151 0900 if you believe that you have been charged more than you should have been for your card or if you want to see if there is anything that you can do to try and put an end to the expenses you keep on experiencing because you are not paying your card on time or because you do not like the way that you pay off your card. Phone 0800 151 0900 if you believe that your card has been lost or stolen or if you want to find out if you can do anything to stop your card from being used by other people. Phone Barclaycard on 0800 151 0900 if you believe that your card is being used and that you are a victim of fraud.

    IHG Rewards: 0333 202 1149

    Dial if you think that you are eligible for a reward from Barclays or if you know that you need to claim a reward but you don’t quite know how to go about doing this. Call up Barclaycard on 0333 202 1149 if you need to see how many rewards you have claimed or if you need to make a change to the card that you have but you don’t know how. Phone Barclaycard on 0333 202 1149 if you would like to enquire about getting some IHG rewards or to find out if it is possible for you to enquire about getting some help with the card of your choosing.

    Hilton HHonors: 0333 202 1145

    Phone Barclaycard on 0333 202 1145 if you know that you need to get some discounts on the Hilton hotel or if you know that you need to find out if you have any money off for the next time you do go and pay them a visit. Phone Hilton on 0333 202 1145 if you need to find out how you can save money or if you would like to find out why your discount has not gone through as it should have. Call 0333 202 1145 if you believe that you have not been given the points you should have been or if you would like to sign up to this program but you don’t know how.

    Customer Services (Business): 0800 161 5308

    Call Barclaycard on 0800 161 5308 if you would like to chat with their business customer services department or if you want to find out if you can make any changes to the way that you receive the information you need to know about your business expenses. Phone up Barlcaycard on 0800 161 5308 if you believe that your card is being used by someone else or if you believe that you need to make some changes to your business bank account because you are not getting the interest you need or because you are not happy with the service that you have been given by their team and the people who manage your account for you. Phone Barclaycard on 0800 161 5308 if you need to get a new business card or if you would like to find out if it is possible for you to get a new business account. Dial Barclaycard on 0800 161 5308 if you need to report your card as being lost or stolen or if you need to state that your card is no longer required.

    New Business Applications: 0800 731 0200

    Dial up Barclaycard on 0800 731 0200 if you want to see if you can submit for a new business application or if you would like to find out if it is possible for you to add another business account under your name. Call Barclaycard on 0800 731 0200 if you have a business application but you would like to see how long it is going to be before this is set up or if you would like to apply for a business credit card but you don’t know how to go about doing this. Call Barclaycard on 0800 731 0200 if you believe that your business application has not been submitted properly or if you would like to find out if there is anything that you can do to try and save money on your various banking fees.

    Freedom Rewards: 0800 161 5303

    Call Barclaycard on 0800 161 5303 if you would like to discuss the various rewards that you may be able to get or if you would like to find out if it is going to give you what you need. Phone Barclaycard on 0800 161 5303 if you would like to find out what freedom rewards you could be entitled to or if you would like to see if there is anything that you can do to get access to more rewards.

    Internet Customer Services: 0800 161 5300

    Phone Barclaycard customer services on 0800 161 5300 if you are having problems with your online banking. Phone 0800 161 5300 if your bank is not showing you the right statement or if you know that you are not being given the right information for your needs and requirements. Phone 0800 161 5300 if you know that you cannot make a transfer online or if you believe that someone is using your internet details to make purchases. Call Barclaycard on 0800 161 5300 if you know that you are having problems with your credit card because you can’t pay it off or because you would like to view your statement but you can’t.

    Barclaycard Secure/3D Secure queries: 0800 161 5306

    Dial Barclaycard if you know that you are going to have to enter the security phase of paying online and you don’t know your details or if you would like to find out if there is anything that you can do to try and change the details that you do have with Barclays. Phone Barclays on 0800 161 5306 if you need to change the way that you get in contact with them about your account or if you would like to see if there is anything that you can do to try and update your own information or even your business information online because you cannot make the purchase you require.

    Barclaycard Cashback: 0800 151 0900

    Phone Barclaycard cashback on 0800 151 0900 if you need to get some cashback or if you know that your cashback service is not working properly. Phone Barclaycard if you know that you have been charged for taking out your cash back and you would like to do something about this or if you would like to find out if there is anything that you can do to try and lower the charges you experience when you do take out cash back as an option

    About Barclaycard

    Barclaycard is a credit card service and they are also some of the best when it comes to giving customers the help and support they need when it comes to their own finances as well. If you know that you need to get a new credit card or if you know that you need to make some changes to the card that you do have then the best way for you to do this would be for you to go ahead and dial the Barclaycard phone number. The Barclaycard contact number can then advise you on what card is suitable for you so do keep that in mind.

    So if you want to find out if Barclaycard can help you with your credit card then the best way for you to find out this information would be for you to give the Barclaycard phone number a call. The Barclaycard contact number is there to help you with your account and they can even help you if you know that you can’t make your payments as well so do keep that in mind when the time does come for you to give them a call. The Barclaycard customer service team are there to help you.





    5 Unique Online Business Ideas, Small But Successful #taking #credit #cards #for

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    5 Unique Online Business Ideas, Small But Successful

    Entrepreneurship has always fascinated me. I m amazed by the pride and sense of accomplishment that comes with building your own business. and I respect the risks that come with working for yourself. Even if your venture fails, as a business leader you still learn valuable lessons that you can use to make your next attempt more successful.

    Taking a successful business model from someone else and building on it is no crime. In fact, it is how most leaders build businesses. It doesn t always take a stroke of genius to get to the top. But when those once-in-a-lifetime ideas strike, your window to act may be small. I don t accept the idea that all of the good ideas have been taken. These five unique businesses are proof that you can find prosperity, even in a market that may not have even existed when you first had your idea.

    1. Santa Mail

    When I first heard about Santa Mail. I had one of those Why didn t I think of that? moments. The premise couldn t be simpler: Parents order letters for children, and Santa Claus himself puts a note in the mail. For just under $10, your kids will get a personalized letter from Santa that is (genuinely) postmarked from the North Pole in Alaska. The site isn t flashy, but it s simple and effective.

    Santa Mail has been around since 2003, and as far as I can tell, it was the first company of its kind. Since then, at least four sites offering the same service have popped up. Even though someone may come along and offer something better, for now, Santa Mail is at the top of its niche.

    2. Alchemy Goods

    Though recycling has been popular for years, practical-use items made from recyclable items and materials are quickly becoming more desirable. From clothes and bags to water bottles and wallets, these unique items are high-quality goods that let people show off the positive difference they re making for the environment. Alchemy Goods was originally born not out of ingenuity, but of necessity.

    When Alchemy owner Eli Reich s messenger bag was stolen, he decided that instead of buying another, he would make one himself. With plenty of bicycle inner tubes lying around, he decided to make it the primary material for his new bag. Long story short, the completed product was a huge hit at the office, and Eli began to make them on a much larger scale. Today, Alchemy products are carried in many stores across the country.

    3. Fetal Greetings

    The greeting card business has been huge for years, and it seems to get bigger with every passing holiday. Fetal Greetings offers a special opportunity for expecting mothers: To have their baby greet the world in the form of a card! Holly Nill-McKay started the company in 1999, and while the idea may sound strange, I love it. It s a great example of a unique and clever idea that builds on an existing industry. The cards themselves are cute, and they make wonderful surprises to send to family and friends to announce a pregnancy.

    4. Something Store

    Do you love the feeling of waiting for something in the mail? I know I do, and that s why I tried out Something Store. A few years ago, I saw a piece in a popular magazine about an online store that sells mystery objects. I was intrigued. For $10 (no shipping cost), they send you a random item. It could be anything in the world. Since 2007, they ve shipped over 50,000 somethings to customers who wait with anxious anticipation.

    I tried it and received an unusual, metal, spider-like object. It winds up and moves along the floor or tabletop. I looked it up and found that it usually retails for about $28. While I wouldn t necessarily have bought it in the first place, for $10 I got a pretty good deal.

    5. I Do Now I Don t

    Every day, couples in love get engaged. And every day, couples who have fallen out of love separate or break an engagement. When the latter happened to Josh Opperman, his fiancee was kind enough to return the engagement ring. and he didn t know what to do with it. Since the wholesale markup on engagement rings is insanely high, he would have taken a huge loss in returning it. So instead, he started his business, I Do Now I Don t. an online marketplace for unwanted engagement rings. Customers can buy rings at prices far cheaper than you d find at a traditional store, and you can sell at rates that are better than you d get if you tried to return the ring. Business started booming, and now you can buy and sell other jewelry items there too.

    Final Word

    This short list of examples just goes to show that not all of the good business ideas are taken just yet. It seems to me that when I get one of those genius ideas, I m always in the shower. By the time I get out and try to remember what was on my mind, it s gone. I hope it is not just me that this happens to.

    How do you get inspiration to strike? And what do you do to remember your ideas and put them into action? Share your ideas, or any other unique sites or businesses you ve found. I m always looking for strange and intriguing things.

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    6 Weird But Successful Small Business Ideas





    Excelsior College #associate #degree, #administrative, #management, #degree, #degree, #earn #degree, #get #degree,

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    Administrative / Management Studies

    If you’ve learned business administrative management skills in a non-classroom setting such as the military or the work force, you can translate your experience into an Associate in Applied Science in Administrative and Management Studies from Excelsior College.

    A national leader in distance learning for more than 40 years, Excelsior specializes in meeting the needs of adult students—especially career changers and students from a military background. We grant academic credit for many forms of military-related education and training, speeding you toward a business associate degree that can put you on a new career path.

    Flexible, Affordable, Convenient—and Completely Online

    At Excelsior College, you’ll study with first-rate faculty from leading institutions around the country, learning core administrative and management skills such as:

    • Writing memos, reports, and other correspondence.
    • Using common business software and hardware.
    • Managing staff and advising superiors.
    • Basic accounting and bookkeeping.

    After earning an AAS degree from Excelsior College, you’ll possess business administrative management skills that employers look for—and value. Many students transfer directly into a business bachelor’s degree program. Others use their AAS degree to:

    • Earn a promotion from their current employer.
    • Land a new job with higher pay.
    • Change careers.

    Excelsior is accredited by the Middle States Commission on Higher Education. (Learn more about the MSCHE accreditation programs and specialized accreditations on our accreditation page. )

    We expect that as an Excelsior College Associate in Applied Science in Administrative/Management Studies graduate you will be able to demonstrate:

    1. Effective oral and written communication skills.
    2. Introductory college-level knowledge in one or more of the subject areas in mathematics and/or natural sciences.
    3. Introductory college-level knowledge in one or more of the social sciences.
    4. A comprehension of cultural diversity, human behavior, and the relationship between business and society.
    5. A proficiency in administrative/management skills required in an organization.

    60 credits: 20 in arts and sciences, 20 career component credits, 20 electives to include a mandatory 1-credit information literacy course.

    Beginning January 1, 2012, an associate degree capstone course will be required.

    See the credit requirements in chart form .

    Bachelor of Professional Studies in Business and Management

    Bachelor of Science in Business with concentration in General Business





    Balance Transfer Credit Cards – Pros and Cons #bal #transfer #credit #cards

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    Pros and cons of a credit card balance transfer

    That credit card debt you’ve managed to pile up is about to get more expensive.

    The Federal Reserve is poised to raise its benchmark interest rate twice more in 2017. That means the interest rate you pay every month on your credit card debt could increase by half a percentage point before the year is out.

    It may be time for you to shield yourself from the impacts of a rate hike by applying for a balance transfer credit card .

    What is a balance transfer credit card?

    Balance transfer credit cards can reduce the interest you pay on your total credit card debt, effectively lowering your monthly payments and saving you money on finance charges. These cards allow you to consolidate all of your credit debt onto 1 low-rate card.

    A credit card offer that features a low- or 0%-interest introductory period on debt transferred from another credit card can be an efficient way to vanquish a large credit card balance over time without shelling out any (or very little) interest. It’s also the only practical way to pay off one credit card with another. Credit card companies won’t allow you to directly use a credit card to make a monthly payment.

    Who should (and shouldn’t) get one?

    These cards are typically designed for and offered to individuals with good to excellent credit. You may not qualify if your credit isn’t in tip-top shape. If you have damaged credit, a personal loan might be a better option, particularly if you can find a fixed-rate offer that is lower than your credit card’s annual percentage rate.

    Balance transfer cards are ideal for individuals struggling to pay off the principal of their credit card debt due to high monthly interest payments. With balance transfer cards, you can make one low-rate monthly credit card payment instead of several.

    “If you can really keep yourself on a budget. (a balance transfer credit card) can be a useful tool” for paying down debts, says Thomas Nitzsche, a certified credit counselor and communications lead at Money Management International, a Sugar Land, Texas-based nonprofit credit counseling agency.

    But if you’re simply transferring balances from card to card, the new one won’t eliminate your debt woes. In fact, you could wind up exacerbating them because balance transfers often involve fees and could carry high go-to interest rates once the introductory period is over.

    “You have to do a balance transfer for the right reasons,” says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax. “To do it to tread water for another 12 months before sinking is not worth it. To tread water while aggressively paying down your debt in 12 months — that’s the right strategy.”

    Tips on balance transfer cards

    Before jumping at an offer, read the fine print and calculate the costs. The key figures are the:

    • Introductory interest rate.
    • Annual percentage rate (APR) after the intro rate.
    • Balance transfer fee.
    • Minimum monthly payment.

    Under federal law, the teaser rate must last at least six months. Many balance transfer credit cards will offer introductory rates for longer periods, anywhere from 9 to 18 months or sometimes even longer, Nitzsche says.

    Use a credit card balance transfer calculator to figure out if you’ll be able to pay off the balance in full before the promotional period ends. Otherwise, you may end up paying a much higher rate on your credit balance.

    In addition, stay away from using the card for further purchases while paying off the balance. It’s important to steadily reduce your credit card balance on a monthly basis.

    Don’t forget to add in the cost of the balance transfer fee, which is typically around 3 percent of the balance. Also factor in what the new card’s minimum monthly payment will be; often, it’s a percentage of the balance transfer.

    Can I qualify?

    Even if all the numbers pan out in favor of a balance transfer, you still have to qualify. That means you should have a good idea of what your credit looks like before applying. Check your credit report for free now.

    Those with stellar credit (750 or above) will likely qualify for the best teaser rates. If your credit score falls below that, you may get a higher teaser rate, but it still may be lower than what you’re paying now.

    “You have to set your expectations within the realm of reality,” says Bruce McClary, vice president of public relations and external affairs with the National Foundation for Credit Counseling.

    The other factor is the credit limit. There’s always a chance the new issuer won’t dole out a large enough credit line for you to transfer your entire balance, says Linda Sherry, director of national priorities at watchdog group Consumer Action.

    Check the fine print to see if there is a cap on the balance transfer amount. Otherwise, you may not find out if your new account will be able to swallow your balance until after the account is opened, Sherry says. Then you’ll have two credit cards you need to pay off.

    Living with a transfer

    You qualified for the balance transfer and moved your debt to a no-interest account. Now what?

    Make sure the old card has been paid off by getting a statement from your old issuer. Sherry recommends keeping the old card open, charging very little each month (such as gas) and paying off the balance in full. That will help boost your credit score while you pay down your debt. If a balance still remains on the old card, continue to make payments on time.

    Meanwhile, attack the balance transfer debt before the introductory period is up. And make sure every payment gets in on time. Otherwise, the intro rate could disappear.

    People who don’t utilize these best practices risk digging a deeper hole for themselves.

    “They’ve just doubled the amount of debt they are dealing with in a short amount of time and then the debt becomes unmanageable,” McClary says. “Hold your feet to the fire when it comes to paying down that balance so you don’t get burned later.”

    Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

    Bankrate’s community sharing policy

    Bankrate wants to hear from you and encourages thoughtful and constructive comments. We ask that you stay focused on the story topic, respect other people’s opinions, and avoid profanity, offensive statements, illegal contents and advertisement posts. Comments are not reviewed before they are posted. Bankrate reserves the right (but is not obligated) to edit or delete your comments. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused. We do not permit the inclusion of hyperlinks in comments and may remove any comment that includes a hyperlink.

    By submitting a post, you agree to be bound by Bankrate’s terms of use. Please refer to Bankrate’s privacy policy for more information regarding Bankrate’s privacy practices.





    Managing Your Business Credit #business #credit #file

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    5 simple steps you should take to manage your business credit

    Determine whether or not you already have a business credit file. Small business owners should first know if they have a business credit file with D B. You can find this out by calling D B Customer Service at 1-866-785-0430 or visiting http://iupdate.dnb.com/iUpdate/mainlaunchpage.htm .

    If you don’t have a business credit file, establish one by applying for a D-U-N-S® number. Small businesses should apply for a D-U-N-S® number, a unique business identification number, as soon as they start their enterprise to start the process of creating a business credit file.

    If, when you call or visit the D B web site, you determine that you already have a business credit file, review it completely to understand what information it contains. Add or modify the information as necessary to ensure that those looking at your business credit (such as vendors, suppliers and financial institutions) are making decisions based on complete and accurate information.

    Establish a business credit history. When they are starting up, many small businesses use their personal credit and finances to get their
    business going. But they should establish a credit history by putting expenses (such as a business phone line) in their business name and using a commercial bank account to pay their bills.

    Pay bills on time – and understand other factors that influence your credit rating. In order to improve your commercial credit scores
    and build a positive payment history, the most important thing to do is pay your bills on time. Be very careful not to overextend your business, and use any line of credit judiciously. While payment behavior is important, credit ratings are based on multiple factors. D B, for example, maintains 150 factors that go into a credit rating, such as industry, revenues and number of employees.

    Monitor your business credit file and keep it up to date. According to D B, the credit score of about one in three businesses declines over just a three-month period. By monitoring your business credit file, you will be aware of any change in your ratings before it affects your relationships with customers, suppliers and financial institutions. You should keep your credit file current and accurate, reflecting changes such as location, number of employees, outstanding suits/liens and revenue – all of which impact your credit rating

    Monitor your customers’ and vendors’ credit. Monitoring credit reports that provide a clear and complete picture of the credit standing of your customers can help you to determine how much credit, and on what terms, you should extend

    Why small businesses should manage their business credit

    Small business owners are entrepreneurs. They are successful because of their ideas, their passion, their drive. But they generally aren’t accountants, and as a result they are often unaware of just how important actively managing business credit is to their success.

    Small business owners agree that cash flow management is one of their top concerns.

    Actively managing their business credit can help small businesses ensure positive cash flow by:

    Securing more financing at better terms. Good credit can ensure that small businesses get financing when they need it. According to the SBA, insufficient or delayed financing is the second most common reason for business failure. And, since most loan decisions below $100k are automated, the business credit file will often dictate the amount and terms of a loan. For businesses with poor credit ratings, top national banks may increase credit card interest rates on average from 9% to 18% and loan interest rates on average from 8% to 12%.

    Ensuring you get needed supplies at affordable terms. Suppliers evaluate your credit and make decisions about how much credit to extend to you – perhaps a $30K credit line could have been $60K with a stronger business credit file. Good business credit can ensure that you get the supplies you need under the best possible terms, freeing up more money for your business.

    Making smarter credit decisions on your customers. Knowing the credit of customers enables small businesses to provide better terms to creditworthy customers and avoid doing business with customers who pay slowly – both of which can lead to improved cash flow.

    Protecting yourself against business identity theft. Actively managing your business credit file helps you ensure that fraudulent or incorrect information is not in the file. 15-30% of all commercial credit losses are due to fraudulent activity. It’s important that your business credit file truly reflects how good your credit is, and that you are aware of any inaccuracies and missing data so you can address them promptly.





    American Express Credit Card Applications #american #express, #amex, #american #express #credit #card,

    #

    American Express Credit Card Applications

    Cardholder Benefits from American Express

    Rewards Program

    Using American Express cards can be very beneficial because of special loyalty program offered by bank – American Express Membership Rewards. You can get points for all purchases and redeem them at American Express Rewards portal towards travel, entertainment, gift cards and much more.

    American Express Travel Portal

    Get access to the best travel deals, redeem earned rewards at Amex partner hotels, cruise lines, car rental services and accumulate reward points faster. As a premier card for travel services, American Express prides itself on offering travelers the best options around.

    Premium Benefits

    Amex cardholders can receive a special benefit that is considered the one of the best quality and exclusiveness – American Express Concierge Service. The Concierge is available to anyone who owns one of the Platinum cards from American Express. Through this service you can do almost anything including simple tasks as restaurant and tickets reservations or more unique requests such as wedding organization.

    All content. Copyright 2000-2017. Credit-Land.com. Inc. All rights reserved.

    * The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

    Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

    Please note that Credit-Land.com has financial relationships with some of the merchants mentioned here. Credit-Land.com may be compensated if consumers choose to utilize the links located throught the content on this site and generate sales for the said merchant.





    The 4 Best Credit Card Processing Options for Small Businesses #credit #card

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    The 4 Best Credit Card Processing Options for Small Businesses

    Cash is no longer king. To stay relevant and competitive, credit card processing for small business owners is no longer a nice to have but a must. Sponsored by National Bankcard

    Cash is not always king. As our society steadily moves towards becoming more digitalized and reliant on technology, we are seeing less physical money exchange hands.

    However, keeping up with the times is not the only reason to upgrade your small businesses payment system. Here are just some of the advantages accepting credit cards will have on your bottom line:

    • Increase in overall sales
    • Improve customer service
    • Broaden your customer base
    • Save time with fewer trips to the bank.

    So if you are ready to take the plunge and provide more value to your customers, here are four of the best credit card processing solutions for small business owners.

    1. Terminal Processing

    A payment terminal, also known as a point of sale terminal, is a device that allows customers to make payments with their credit cards in store. It is a reliable and secure method of accepting credit and debit payments.

    Advantages

    The main benefit of credit card terminals for small business owners is its direct link to improved customer satisfaction. With a card machine payment option, you will be able to reduce wait times with faster checkout, give your customers a secure way to pay for their purchase and more options to pay that suit their needs such as contactless payments and digital wallets.

    There are also a few vendors that give small business owners a free terminal processing system on sign up. This value add helps to reduce initial setup costs and is something to look into if your budget is tight.

    Disadvantages

    The downsides to accepting cards are minimal, but most of them can be avoided. While credit card fraud is still a common problem, merchants can train their staff to spot a fake debit or credit card. Another disadvantage is the unavoidable cost. However, business owners should look at it simply as a cost of doing business and realize the device will pay itself off in no time.

    It s easy to see that the cons associated with terminal processing are minimal and can be easily avoided. The benefits will not only help your business grow but drive customer loyalty and deliver a positive in-store experience.

    2. Mobile Processing

    Mobile credit card processing also referred to as mPOS (mobile point of sale) gives small businesses the ability to accept card payments with a phone or tablet instead of a terminal or point-of-sale (POS) system.

    Advantages

    The main benefits of choosing a mobile credit card processor are its versatility and the low-cost factor. For small business owners that attend local farmer s markets or trade shows, this option lets you accept credit cards wherever you are. This capability can also benefit stationary business owners who can mobilize their sales team by adding more checkout lines without purchasing additional registers.

    Mobile processing companies also tend to charge fewer fees than traditional credit card processors and take the guesswork out of tipping by providing preset percentages for customers during checkout.

    Disadvantages

    There are two main concerns that small business owners should consider before purchasing a mobile credit card processor is how it will negatively affect customer service and getting a robust estimate on costs.

    If you choose not to add a printer with your mobile processor, it will take extra time to capture an email address to send the receipt electronically. Depending on how busy your shop is or if your customer is in a rush, this might lead to some dissatisfaction.

    While mobile credit processors are less expensive than standard credit card terminals for small business owners, they do come with a bunch of small costs that add up. Before biting the bullet with a vendor be sure to inquire about the fees that will be charged per transaction, per day, per month and even year so that you can get a holistic cost estimate.

    Mobile credit card processing for small business owners are ideal for merchants who are on the go and want an affordable solution. The disadvantages above can easily be avoided with some careful planning, and there are numerous ways to lower your mobile credit processing costs if you are prepared to negotiate your rates and ask the right questions.

    3. POS Processing

    POS credit card processing for small business owners is a reliable, affordable and flexible way to manage POS operations. It transforms an ordinary tablet into an all-in-one payment solution that can complement a range of add-on applications as well as cash drawers, scanners, printers and more.

    Advantages

    One of the key advantages of a POS processing system is the ability for small business owners to access their sales data no matter where they are. By using a cloud-based system, you can see real-time inventory levels and customer information as you go about your day.

    A POS processing system also lets merchants take advantage of a cloud-based integration and offer services that are not possible with a traditional POS platforms. Besides allowing payments to be processed anywhere on the business premises, business owners can also use this system to set up check-splitting, loyalty programs and integration with external accounting platforms.

    Disadvantages

    Before you make the big switch to a POS processing system, there are a few things to consider. Firstly, it is important to remember that as your POS system is hosted in the cloud, it is only as good as your internet connection. Do your research and make sure you either choose a vendor that offers offline services or that you have a backup plan in place in case your connection goes down.

    By embracing cloud computing technology like POS and setting up systems to combat possible downtime, small business owners can operate just as efficiently as bigger organizations.

    4. Online Processing

    It is not enough to just have a brochure, these days you have to sell online to stay relevant, and that means accepting credit cards. An online processing system lets merchants accept online payments from buyers worldwide. It is a safe, reliable and seamless way to manage payment processing while you focus on making the best possible product or service.

    Advantages

    Online payment systems give your customers a convenient way to place an order with your business. Instead of having to drive to your storefront, an online POS lets them shop from the comfort of their own home. By offering this functionality on your website, you can easily increase sales by not giving your customer the chance to look at a competitor that does offer online sales or forgetting about visiting your store altogether.

    Disadvantages

    With an online payment system, you will be dealing with sensitive information such as credit cards numbers that be stolen or altered. As a result, you need to make sure you have adequate security to protect your customer s details as well as your company s reputation. Before choosing a vendor, find out what systems they have in place to minimize fraud and their guarantees on data protection.

    In short, an online processing system is a necessary payment option for small business owners who want to remain relevant and competitive. By ensuring your business partners with a service provider that complies with high-security standards, you can increase your revenue and take your business to a global market.

    Conclusion

    Before you decide which of the four credit card processing solutions is the best decision for your small business, make sure you weigh up all the factors and consider which service vendor will be the best fit for not just you, but for your customers as well.

    Editor’s Picks





    The Best Canadian Credit Card With Travel Rewards #credit #cards,travel,travel #tips,personal #finance,personal

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    The Best Canadian Credit Card With Travel Rewards

    Is a weaker Canadian dollar clipping travellers’ wings? Would-be vacationers could find themselves paying 30 per cent more for their warm-weather getaways this year. As the Loonie hovers around US$0.75, three-quarters admit the weak currency has impacted their trip plans.

    But cash-strapped travelers needn’t settle for a staycation, as a number of travel rewards credit cards can effectively offset travel costs.

    However, using plastic to fund a vacation can be a point of confusion. While there are a number of fantastic travel offers available in today’s market, many Canadians aren’t aware of travel rewards best practices, and there continue to be misconceptions around the true value of rewards, and how to effectively earn and redeem them.

    To help Canadians take flight faster, RateSupermarket.ca has revealed the Guide to Flying for Free – How to Cash in Travel Rewards Credit Card Points. The guide provides clarity on choosing the right card, and insight to the value offered by popular rewards programs.

    How to Pick the Perfect Travel Rewards Credit Card

    How Big is That Bonus. Really?

    We’ve all seen the ads — sign up today and get 50,000 points! Seems like a really sweet deal — but how much is a point really worth? It depends on the card and the way you redeem. Here’s a breakdown of what the most popular points in Canada are worth* when cashed in for travel:

    American Express Blue Sky Points
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
    Blackouts or Restrictions. No

    American Express Gold Rewards Points
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
    Blackouts or Restrictions. No

    BMO Rewards
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Good. Travel must be booked through the BMO Rewards travel agency, either online or over the phone. You must have a minimum of 100 points to redeem. If you don’t have enough points to cover your trip, you can pay the remainder with your credit card.
    Blackouts or Restrictions. No

    Capital One reward miles
    Each. $0.01 each
    Points needed for $100 in travel. 10,000
    Redemption – Great. Simply charge your travel expense to your card, then apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
    Blackouts or Restrictions. No

    CIBC Aventura Points
    Each. $0.03
    Points needed for $100 in travel. approx. 3,300
    Redemption – Ok. Travel must be searched for via the CIBC Aventura rewards portal, which includes all airlines. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

    Scotia Rewards Points
    Each. $0.01 each
    Points needs for $100 in travel. 10,000
    Redemption – Great. Simply charge your travel expense to your card, then log into your Scotia Rewards account to apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
    Blackouts or Restrictions. No

    RBC Rewards Points
    Each. $0.023
    Points needed for $100 in travel. approx. 4,300
    Redemption – Ok. Redeem your points online via the RBC Orbitz portal, over the phone, or via Carlson Wagonlit Travel. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

    AIR MILES
    Each. $0.15 each (varies based on flight redemption)
    Points needs for $100 in travel. Approx. 667
    Redemption – Ok. Flights must be booked via AIR MILES’ Dream Rewards Centre, which prices point requirements based on mileage. Redemption costs are higher during the high season, and AIR MILES cannot be used to pay for taxes and other surcharges.
    Blackouts or Restrictions. No

    Aeroplan Miles
    Each. $0.23 each
    Points needs for $100 in travel. approx. 4,300
    Redemption – Ok. Travel must be booked by the Aeroplan rewards portal, and are restricted to Air Canada and other partner airlines. Point redemption is divided into two tiers: Fixed Mileage and Market Fare. Fixed Mileage Flight Rewards travel can be booked for fewer points, but are subjected to limited availability and seasonality.
    Blackouts or Restrictions. Some seat restrictions

    TD Rewards
    Each. $0.005
    Points needs for $100 in travel. 20,000
    Redemption – Good. Book travel on any airline, or book through Expedia for TD, then log in in to your TD Rewards Account to pay with your points. Points can also be used to pay for taxes and additional surcharges.
    Blackouts or Restrictions. No

    *Based on value of signup bonus. Note values may vary depending on redemption method, flight seasonality and flight class).

    Tips for Using a Travel Rewards Credit Card

    Seek out the perfect plastic. There is a wide variety of travel rewards programs to choose from and each offers a different earning and redemption structure. It’s important to determine whether a card’s earning potential can be maximized based on your specific spending habits — for example, gas and grocery purchases, or earning on all spending.

    Heed the fee.
    Travel rewards cards are often packed with additional insurance, concierge and lounge benefits — and that means the majority charge an annual fee. Look for cards that waive this charge for a limited promotional period, and determine whether your annual earnings offset the fee amount. For those who are fee adverse, a non-fee card with a lower earning threshold can be a better fit.

    Ask about redemption.
    Those points won’t do much good if they’re grounded during your desired departure season. Seat capacity, seasonal, and minimum redemption restrictions are common pitfalls vacationers should be aware of. For the greatest flexibility, look for cards that allow points to be redeemed directly on travel purchases charged on the card.

    Cover yourself.
    Many travel cards come with built-in insurance benefits — but you shouldn’t assume you’re covered. At a bare minimum, ensure you have sufficient travel medical and accident insurance for yourself, spouse and any dependents travelling with you. Add-ons like trip interruption, delay and cancellation coverage can provide greater peace of mind on your journey.

    * Preparing for Takeoff: Air travel outlook for 2016 – Expedia.ca

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    2017 – s Best – Air Miles – Credit Cards #airline #miles

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    Air Miles & Travel Credit Cards

    Below are our picks for 2017’s top travel reward cards. These cards award users air miles or other points for their purchases, which are redeemable for free flights, hotel stays and more:

    The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers.

    [x] Close Disclosure

    • We’ll match all the Miles you’ve earned at the end of your first year. Bonus Miles – For example, if you earn 30,000 Miles, you get 60,000 Miles.
    • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
    • No Blackout Dates – fly any airline, stay at any hotel.
    • Redeem your rewards in any amount for cash or a travel credit.
    • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
    • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
    • See application, terms and details.

    0% for 14 months

    5 Ways to Maximize Credit Card Airline Miles

    If the idea of flying all over the world and not having to pay for it appeals to you, then you’re in luck. The opportunity to fly for little-to-no-money has never been easier or more available than it is right now.

    That’s because more and more businesses are offering airline miles as rewards for using their services. With a little planning and research, you can take full advantage of the money you spend just by spending it the right way.

    1) Look for partnership deals

    Some credit card companies offer deals for purchasing subscriptions and services through businesses they partner with. These could include newspaper and magazine subscriptions, insurance company quotes and policies, hotels and car rentals agencies – you name it. If this is something you need anyway, why not earn miles for it?

    2) Take advantage of one-time bonus miles

    Many credit card companies offer substantial bonuses for spending a certain amount during the initial period of having the card. If you plan accordingly, you can take advantage of thousands of extra miles, and then pay off the charges and do it over again with a new card. It’s the fastest way to accumulate extra miles. Many of these cards even offer 0% introductory rates.

    3) Use the right card

    If you’re planning to make a major purchase such as a car, boat or even furniture or appliances, use a credit card that will take full advantage of your purchase. Some cards offer even up to three times the bonus points for major purchases made with the card.

    4) Watch for special offers

    Some credit card companies will make special offers on extra airline miles. Look these over carefully and decide if it fits in with your spending and budget plans. Some offers don’t require you to spend any extra money but simply give you extra miles for signing up an authorized user.

    5) Look for points that don’t expire

    Most of the credit card airline mile rewards points are good indefinitely. That may not be true, however, with the airline frequent flyer programs themselves. If you do plan to transfer points from a credit card reward plan to an airline frequent flyer program, be aware of mile expiration dates.

    Credit card airline miles are a great way to fly for practically free. Take full advantage of all the extra bonuses and ways to earn more miles. If you regularly use your airline miles credit card for the majority of your purchases, your miles will add up faster than you think. Soon you’ll be flying high and enjoying the rewards.

    Photo source: credit.com

    Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

    Advice Topics





    When Can You Claim a Tax Deduction for Health Insurance? #tax, #taxes,

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    When Can You Claim a Tax Deduction for Health Insurance?

    Each year, June 28 marks National Insurance Awareness Day, serving as a reminder that it’s a good time to review your insurance coverage and ensure that it still fits your needs.

    This is particularly true for health insurance and making sure you have the right amount of coverage at an affordable cost.

    Health insurance can be expensive, so being able to claim a tax deduction for some of your insurance costs can help you save come tax time.

    Since there are specific rules and qualifications you must follow, here’s an overview of when you can and cannot claim a tax deduction on your health insurance.

    When health insurance is not tax-deductible

    If you didn’t pay for health insurance, you can’t take a tax deduction for it. If your employer pays your health insurance premiums, you can’t deduct those costs. However, if an employer only pays for part of your premiums, you still may be able to claim a tax deduction for the portion you paid.

    If you received a subsidy or premium tax credit to purchase an insurance plan in the Health Insurance Marketplace through the Affordable Care Act, any advanced-payment subsidy that lowered the cost of your health insurance premiums cannot be claimed as a tax deduction. However, the money you paid out of your own pocket for your premiums might be tax deductible.

    You can’t take a deduction for health insurance you paid for with pre-tax money. If you have insurance through your employer, the premiums you pay are usually taken out of your paycheck before your income taxes are calculated. Since these premiums are paid with pre-tax dollars, they’re already income-tax-free, meaning you can’t claim them as a tax deduction.

    Also note, you can not deduct health insurance unless you itemize your tax deductions or you are self-employed. You don t need to know if you qualify for itemized tax deductions, TurboTax will figure it out for you.

    When health insurance is tax-deductible

    If you’re self-employed, your health insurance premiums may be tax deductible. If you’re self-employed and not eligible for an employer-sponsored health plan through a spouse’s job, you may be eligible to write-off your health insurance premiums on your taxes. However, you can’t write off more in health insurance premiums than you earned.

    Health insurance premiums paid with your own after-tax dollars are tax deductible. For example, if you purchased health insurance on your own through a health insurance exchange or directly from an insurance company, the money you paid toward your monthly premiums can be taken as a tax deduction.

    Some Medicare plans are tax deductible. This includes Medicare Part B and Part D prescription coverage.

    There are limits to the amount of your health insurance you can deduct. If you are able to write-off your health insurance, there are limits to how much of your premiums you can write off.

    If you’re able to claim your health insurance as a medical expense deduction. you can only deduct medical expenses that exceed 10% of your adjusted gross income (7.5% if you’re 65 or older). If you’re self-employed and claimed the self-employed health insurance deduction, you don’t have to exceed the 10% threshold because you’re writing the premiums off as an adjustment to your self-employment income rather than as a tax deduction deduction.

    As with all tax laws, TurboTax is up-to-date with the latest tax law changes. If you have more questions about the Affordable Care Act and how it impacts you and your taxes, you can get answers from TurboTax Health .

    Post navigation





    Secured vs #unsecured #loans, #secured #loans, #secured #line #of #credit, #unsecured #line

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    Secured vs. Unsecured Loans

    If you’re considering applying for a loan or line of credit to help with a major purchase, you have a choice between secured and unsecured lending options. Secured loans and lines of credit are secured against your assets, resulting in higher borrowing amount and lower interest rates. Unsecured loans allow for faster approvals since collateral is not required.

    When to consider unsecured loans and lines of credit

    The main advantage of an unsecured loan is faster approvals and less paperwork. Unsecured loans are generally harder to obtain because a better credit score is required, since your loan would not be secured by any assets or collateral.

    While unsecured loans might be obtained more quickly, it’s important to remember you’ll likely pay a higher interest rate. The four most common reasons why clients choose unsecured loans are for buying a car, home renovations, medical bills and education costs, and debt consolidation.

    • Car loans take less time to process than a secured loan, and interest rates are very competitive
    • Taking out an unsecured personal loan for home renovation projects is ideal, because you can access funds quickly to complete projects with predictable costs
    • For ongoing expenses such as paying tuition or covering the cost of medical bills, you may be interested in an unsecured personal line of credit
    • If you have outstanding debts, consolidating them with a personal loan can help. With interest rates that are lower than credit cards, this solution can help you manage your monthly payments.

    When to consider secured loans and lines of credit

    The primary advantage of a secured loan or line of credit is that you can generally gain access to more money, because you’re backed by the security of your assets.

    Since secured lending products require collateral, the approval process can be longer as the collateral must be processed and verified. This initial due diligence can be worth the extra effort since you’ll benefit from lower interest rates. Large home renovations and debt consolidation are two instances in which you may elect to use a secured loan or line of credit.

    Unlike smaller renovations, you may want to go through the process of obtaining a secured lending product when you’re looking at more extensive changes to your home. A secured line of credit would give you access to a larger credit limit with a lower interest rate, that you could access on an ongoing basis for large projects.

    If you have outstanding debts, a personal loan secured by your current assets (like property or a line of credit) can help you consolidate debts into one loan. With lower interest rates than most credit cards, a personal loan can help you manage your monthly payments. A secured line of credit also offers convenient access to low-interest funds to help consolidate and pay down existing debts.

    Apply for a loan or line of credit with CIBC

    No matter what your borrowing needs are, CIBC has secured and unsecured loans and lines of credit that can help you meet your financial obligations. You can apply for a loan or line of credit online, or speak with a CIBC advisor at 1-866-525-8622 if you have questions, or would like to learn more about possible lending options.





    Unsecured small business loans for bad credit #unsecured #small #business #loans #for

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    Loans.net For All Your Financing Needs

    Loans come in a variety of shapes (types), sizes (loan amounts), and prices (interest rates and other costs). From short term payday loan and cash advances to hedge against unexpected emergencies to long term auto and home mortgage designed to finance your prized asset purchases, lenders offer highly customizable financial aid for almost any financial situation you might have.

    While personal loans are used to consolidate bills, handle emergencies, finance purchases, or facilitate renovations, for business it is used either to serve as working capital or to facilitate business expansion efforts.

    Easy, Three-Steps Application Process

    • Provide some basic information
    • Compare loan offers from multiple lenders
    • Get money as soon as next business day

    Find The Right Loan

    Personal Loans

    If you need money to fulfill a short term or emergency financial need, personal loans may be the right solution for you. Generally, personal loans offer flexible payment terms and come with a fixed payment schedule, interest rate, and periodic payment amount. Once you are approved, most lenders will not restrict your usage for that money and you are free to use it for any legally-acceptable personal need.

    Once approved, most lenders will offer the convenience of having your money deposited electronically to your bank account in as little as next business day.

    In addition to this broad umbrella of funds and financial aid, there are various subcategories that you may wish to learn about. Personal loans with varying repayment terms are designed for both individuals with good credit and bad credit.

    Though not exhaustive, here are some additional varieties of personal loans:

    Secured Personal Loan

    As the term suggests, a secured personal loan is made in lieu of some collateral that is used as security against the loan amount. This is for the lender s safety.

    Unsecured Personal Loan

    Unsecured on the other hand, are not made against an asset and are mostly provided for at the lender s terms.

    Payday Loan

    Payday loans are the short term type that is offered until your next pay check . They carry higher interest rates and are to be returned within the period of a payroll cycle.

    Cash Advance

    Very similar to a payday loan, cash advance offer short term liquidity until your next pay check arrives.

    Auto Finance

    Auto or car payment plan will enable you to purchase your next vehicle car, RV, boat, motor cycle, any vehicle purchase that can be financed under the applicable regulations.

    Student Aid

    Student aid is designed to enable students to complete their education and are either offered through private lenders or the federal government. Interest rates may be low and repayment terms are very convenient.

    Debt Consolidation

    Debt consolidation is a financial assistance that generally offered by the lenders to enable you to consolidate and repay a variety of debt obligations through one easy loan. No more multiple payments, just one single payment.

    Credit Cards

    We bet you know this. Yes, your credit cards are also a form of loan.

    Home Finance

    Whether you want to purchase a new home, refinance an existing one, or make those much needed improvements to your home (home equity), home loans are further categorized as mortgage. refinance, home equity loan, and various other vanilla varieties.

    In addition to these broad categories, there are many other loan options that you can choose from and if you browse through our website you can learn more about them.

    Business Financing

    Thus far we have spoken about personal finance aid, but there is also another subclass that serves small and large businesses and these arrangements are made either as small business loans, line of credit, SBA-backed loans, or other financing arrangements designed to ensure liquidity and business capital for business needs.

    News From Experts

    Search The Site

    Get Your Loan





    Bankruptcy Counseling and Pre Filing Credit Counseling #pre #bankrupcty #counseling, #bankruptcy #certificate,

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    Bankruptcy – 1-866-210-3590

    Bankruptcy is a difficult decision for anyone to make and Pioneer Credit Counseling wants to make the process easier for you so you can focus on rebuilding your financial being.

    We offer both pre and post bankruptcy counseling and have knowledgeable counselors who will assist you along the way.

    Pioneer Credit Counseling is approved to issue certificates in compliance with the Bankruptcy Code.*

    Internet and Phone sessions available (same fees for all sessions):

    • Pre bankruptcy is $50 per individual.
    • Post bankruptcy is $50 per individual.

    Convenience with our knowledgeable staff:

    • No appointment necessary
    • Fast, easy emergency filings
    • Open Saturday
    • 24/7 Online Access

    Can setup one account for both Pre and Post sessions.

    We offer Immediate Certificate Distribution by fax or e-mail directly to attorney office,

    in as little as
    60 to 90 minutes.

    Registration can be done online by consumer.

    Certificates uploaded into consumer accounts in Adobe PDF format and are available for immediate access.

    *Approval does not endorse or assure the quality of an Agency’s services.





    TIAA Direct Borrow #mortgage, #mortgages, #mortgage #lender, #home #mortgage, #home #equity, #refinance,

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    Borrow

    Why borrow from us?

    • Low fixed rates for conventional and jumbo mortgages compare them and see today’s rates .
    • Adjustable rate mortgages let you lock in a low rate the first few years. With 5/1 ARMs, rates are fixed the first 5 years. We also offer 3-, 7- and 10- year ARMs.
    • Mortgage Loan Consultants to help you from start to finish

    * Annual Percentage Rate

    All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by TIAA-CREF Trust Company, FSB. Products may not be available in all states. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.

    1 While consolidation may decrease your overall monthly payment obligations, refinancing pre-existing debt with a home equity line will require you to give us a security interest in your home and may increase the total number of monthly debt payments, as well as the aggregate amount paid over the term of the line.

    TIAA Direct is a division of TIAA-CREF Trust Company, FSB.
    Member FDIC. Equal Housing Lender FDIC Icon
    2017 TIAA-CREF Trust Company, FSB.

    Learn more about TIAA . Investment, insurance and annuity products on TIAA.org are not offered or guaranteed by TIAA-CREF Trust Company, FSB and are not insured by the FDIC.





    No Balance Transfer Fee Credit Cards #credit #card #offers #no #balance #transfer

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    No fee balance transfer credit cards

    Consolidate your debts without paying interest and any extra fees with a no balance transfer fee credit card.

    If you’re struggling with credit card debt, a balance transfer could help you achieve financial freedom sooner. By transferring existing debt onto a new 0% balance transfer card. you’ll enjoy an interest-free introductory period that will help you cut down costs and repay your debt faster. However, some cards do charge a one-off balance transfer fee when you move your debt. This guide explains what a balance transfer fee is and the cards you can use to avoid them.

    Comparison of credit cards with no balance transfer fee

    Rates last updated June 24th, 2017

    What is a balance transfer fee?

    Some credit cards charge a one-time fee of between 1-3% of the amount you are transferring. This fee is more common among 0% balance transfer credit cards because it lets card providers recover lost profits made from low or no interest rates. Depending on the size of your balance transfer and the percentage charged, this fee can make your balance transfer less worthwhile. For example, if you’re moving a debt of $10,000 and the balance transfer fee is 3% of the total, your balance transfer fee would be $300. You can find out whether a card charges a balance transfer fee on our review pages or the relevant product disclosure statement.

    How do no balance transfer fee credit cards work?

    No balance transfer fee credit cards promise no extra fees when you move your balance across to the new account. However, despite waiving the balance transfer fee, some card providers might make up for it by charging higher interest rates or annual fees.

    How to compare balance transfer credit cards with no fee

    The following factors are important when considering a no fee balance transfer credit card:

    • Balance transfer interest rate. When it comes to interest rates on your balance transfer, lower is obviously better and 0% is the ideal rate.
    • Length of promotional period. The length of the introductory period directly factors into your interest savings: the longer the period, the more money you’ll save.
    • Revert rate. This is the higher interest rate that you’ll pay once the promotional period ends. This is especially important if you have not paid your debt off in full by this time.
    • Balance transfer limit. The amount you can transfer is limited by the card’s limit and the card’s policy on balance transfers. Your transfer may be limited to a percentage of your credit card limit (such as up to 90% of your credit limit).
    • Eligible banks. There may be restrictions on which credit cards you can transfer your existing balance to. Usually you will not be allowed to balance transfer between accounts managed by the same card issuer. See the full list of who you can balance transfer to here .
    • Interest rates. Consider the other interest rates that may apply, such as the rates for a cash advance or purchase.
    • Fees. You should also factor in other possible fees including the card’s annual fee as well as cash advance, ATM and foreign transaction fees.

    How to make the most of a no balance transfer fee credit card

    Follow these tips to maximise the benefits of your new card:

    • Plan your repayments. Do this at the outset and stick to it. By being disciplined and forming a well-considered debt reduction plan, you will get out of debt more quickly. The aim is to repay your entire balance before the introductory period ends.
    • Pay more than the minimum amount. Many people make the mistake of reducing their monthly repayment amount and pocketing the extra cash they save during the 0% interest period. While you might find the extra cash flow helpful in the short term, this won’t help you reduce your credit card debt in the long run.
    • Be careful about making new purchases. If you’re planning to use your balance transfer credit card to make purchases, be aware that you may not be eligible for interest-free days on purchases while carrying a balance. The interest on your purchases could offset the interest savings from your balance transfer and grow your debt.
    • Avoid incurring other fees. Other fees can quickly accumulate to erode your interest savings. For instance, getting cash from an ATM could incur a cash advance fee, an ATM fee and a cash advance interest rate that begins accruing from the date of that transaction.

    Even with 0% interest on your balance transfer and no balance transfer fees, there is still no perfect credit card out there. The best you can do is thoroughly research all available options to find the one that will best match your needs.

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    Disclaimer – Hive Empire Pty Ltd (trading as finder.com.au, ABN: 18 118 785 121) provides factual information, general advice and services on financial products as a Corporate Authorised Representative (432664) of Advice Evolution Pty Ltd AFSL 342880. Please refer to our FSG – Financial Products. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our Credit Guide for more information. We can also provide you with general advice and factual information on about a range of other products, services and providers. We are also a Corporate Authorised Representative of Countrywide Tolstrup Financial Services Group Pty Ltd. ABN 51 586 953 292 AFSL 244436 for the provision of general insurance products. Please refer to our FSG – General Insurance. We hope that the information and general advice we can provide will help you make a more informed decision. We are not owned by any Bank or Insurer and we are not a product issuer or a credit provider. Although we cover a wide range of products, providers and services we don’t cover every product, provider or service available in the market so there may be other options available to you. We also don’t recommend specific products, services or providers. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. (c) 2017.

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    Cash Back Credit Cards #credit #card #with #cash #back #rewards

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    Cash Back Credit Cards

    Do they all work the same way?

    The most straightforward cash back credit cards pay back a fixed rate percentage on all purchases made. This can provide an easy form of reward, without the need to focus on spending at specific stores or working out how best to increase the rate of cash back. Selected retailer cash back cards provide a bonus rate for shopping at participating outlets. Some credit cards also feature a tiered program, in which different size purchases receive a higher or lower percentage cash back rate depending on the particular deal.

    Or another way that cash back cards work is to give new cardholders a lump sum credited to your account when you get approved for the card or when you start to use the card in a store.

    How much cash back can I expect to earn?

    While the rates vary greatly between different offers, you can typically expect to receive 0.5% or 1% cash back on a flat-rate deal, rising to 5% or even 10% with participating retailer programs or during bonus periods.

    Is there a cap on how much is paid back?

    What other factors should I consider while selecting a cash back card?

    It is very important to look at all the features of cash back credit cards before applying to make sure the deal will be genuinely beneficial:

    Annual fee: Calculate your estimated annual spend and how much cash back this earns, and compare this figure with the annual fee. If the annual fee is greater, then you are not going to get any benefit from the card.

    Interest rate: Cash back credit cards often feature a relatively high interest rate, which is applied to any outstanding balance on your account. If for any reason you are unable to pay your monthly bill in full, a high rate could quickly negate the savings you make on the cash back.

    Introductory offers: Many cash back cards offer an introductory promotion of a bonus cash back rate for an initial period, typically a few months. Check to see how the rate changes at the end of the promotion.

    Balance transfers: These cards also often feature the option to transfer a balance so you can repay your existing credit card debt at a lower rate. You should be aware that balances transferred do not earn any cash back, and if your priority is repaying your debt, you are probably better off choosing a different type of card with a better balance transfer deal.

    Restrictions and penalties: Banks often impose restrictions on how much can be earned per month, the types of purchases that are applicable and penalties for missing payments or misusing your account. Study all the terms and conditions to ensure you can get the best return.

    Still need help? Ask us a question

    We welcome your questions but we cannot help if you need personal financial advice or if have lost your card or need to resolve a dispute with your bank.





    Aero Platinum Visa #aero #platinum, #aeroplan #miles, #low #fee #credit #card, #travel

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    CIBC Aero Platinum™ Visa* Card /span>”> CIBC Aero Platinum™ Visa* Card

    1 If you apply and are approved for a new card you will receive a Welcome Bonus of 5,000 Aeroplan Miles when you make your first purchase at any time with your card. Purchases do not include cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Aeroplan Miles are awarded to you within 8 weeks after the qualifying purchase(s) are posted to your account. It may take up to several business days for purchases to be posted to your account. Your new credit card account must be open and in good standing at time the Aeroplan Miles are awarded. This offer is not transferable and cannot be combined with any other offer. This offer does not apply to transfers from another credit card account. This offer may be withdrawn or changed without prior notice at any time. CIBC may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity.

    2 Insurance coverage(s) included with CIBC credit cards is underwritten by Royal Sun Alliance Insurance Company of Canada (RSA). Different cards may have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Auto Rental Collision and Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain RSA coverage(s) are excess insurance (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.

    3 Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. Cash means cash advances, balance transfers and CIBC Convenience Cheques.

    4 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice; please refer to aeroplan.com. Aeroplan Miles will be awarded only if your CIBC Aero Platinum credit card account is in good standing on the monthly statement date (otherwise Aeroplan Miles are cancelled).

    5 Earn even more Aeroplan Miles at over 150 participating Aeroplan Partners, when you use your CIBC Aero Platinum Visa Card and present your Aeroplan Card. Aeroplan Miles do not expire as long as you stay active. Visit aeroplan.com for the full Terms and conditions of the Aeroplan Program.

    6 The primary cardholder may assign and change the Authorized User Spending Limits on the credit card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the spending limits any time following a decrease in the credit limit or cash limit of the card. Cash refers to cash advances, CIBC Convenience Cheques and balance transfers. For full details visit Credit card add-ons .

    7 Use of Aeroplan Miles to cover taxes, fees, charges and carrier surcharges associated with a flight reward booking ( taxes, fees and surcharges ) is in addition to the Aeroplan Miles required to redeem for an Aeroplan flight reward. Mileage levels required for the redemption of taxes, fees and surcharges may change without notice. Conditions, limitations and exclusions apply when using Aeroplan Miles to cover applicable taxes, fees and surcharges. For full details, visit Aeroplan Flight Rewards Terms and Conditions .

    8 CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company. This product is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For more information call CIBC Travel Insurance at 1-800-281-9109.

    9 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.

    13 The rewards calculator tool is only for general illustration purposes; your actual results may differ. Aeroplan Miles, Aventura Points, cash back and Tim Cash are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques, Aeroplan Mile and Aventura Point redemptions (as applicable). For the Aerogold Visa Infinite Card, the Aventura Visa Infinite Card and the Aerogold Visa Card, 50% more Aeroplan Miles or Aventura Points on gas, grocery and drugstore card purchases is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For the Aerogold Visa Infinite Privilege Card, 50% more Aeroplan Miles on gas, grocery and drugstore card purchases is only available on the first $100,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For CIBC cash back credit cards, cash back is earned on a tiered basis and is dependent upon the net annual dollar amount spent on the card over the year to date. For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides found here .

    This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

    ** In case of a discrepancy between the mileage redemption amount shown above and displayed on aeroplan.com. the aeroplan.com mileage level displayed shall apply. Flight rewards are defined as Fixed Mileage Flight Rewards operated by Air Canada. All rewards shown above are subject to change and availability on aeroplan.com.

    All information is valid at the time of publication and is subject to change without notice.