Tag: Credit

Credit card payments with iphone #credit #card #payments #with #iphone


With Contactless – ANZ FastPay® Next Generation just got faster.

ANZ FastPay® Next Generation just got faster and brighter with a new Contactless Card Reader. It’s a great way for you to securely accept credit card, debit and EFTPOS card payments 1. wherever you are. 2

  • Upgraded ANZ FastPay ® Next Generation app for Apple and Android smartphones and tablets.
  • Securely take card payments by tapping, inserting or swiping the card
  • Online desktop portal allowing you to reset your ANZ FastPay ® Next Generation app log in PIN, resend customer receipts, view transaction history and detail, as well as export transaction reports https://fastpayportal.anz.com

Click ‘Apply now’ to complete a quick and easy ANZ FastPay ® Next Generation application form.

Mobile and contactless payments? Too easy.

Your customers can pay the way they want to: by simply tapping, inserting or swiping their card. If they have ANZ Mobile Pay, Apple Pay® or Android Pay™, they can even tap their phones. And you can send SMS and email receipts directly to them.

Same day settlement for better cashflow.

ANZ FastPay® Next Generation delivers same day access to your takings in your linked ANZ Business Account for transactions settled before 6.30pm AEST/AEDT.

  • Additional devices: With ANZ FastPay® Next Generation, you can have as many Card Readers and smartphones/tablets linked to your account as you’d like, with all your takings settled into the one ANZ Business Account.
  • Additional users: Each user can have their own Card Reader, or Card Readers can be shared across multiple users.
  • Multiple businesses: Flexibility of setting up multiple businesses on the same iPhone, iPad or Android™ device (NB. Each business will have its own Card Reader/s).
  • Online reporting: You can now export all transaction information to Microsoft Excel or a .CSV file via the use of the new ANZ FastPay® Portal.
  • Easy receipting: The convenience of sending receipts directly to your customers by email and SMS.
  • Limited or Unlimited transaction limit: You can apply for either a $3,000 weekly transaction value cap or an unlimited weekly number and value of transactions.

A better, brighter colour screen

The FastPay® Next Generation new back-lit colour card reader screen, makes it easy to see, whether it’s used inside or outdoors.

Utilising audio jack technology, the ANZ FastPay® Card Reader plugs into your smartphone or tablet, so you can tap, insert or swipe your customer’s card to accept payment. ANZ FastPay® Next Generation now accepts EFTPOS payments, credit and debit cards. 2

For users of an iPhone 7, you can use the Apple supplied lightning to audio jack adapter to connect your ANZ FastPay Card Reader.

Security you expect, protection you deserve

ANZ FastPay® Next Generation and the new Contactless Card Reader meet all current Australian security standards.

ANZ FastPay® Next Generation delivers the security you expect with the fraud protection you deserve. The plug-in Card Reader allows you to securely take PIN transactions when required on EFTPOS, credit or debit card payments. It also reduces the risks of handling cash and boosts customer confidence in knowing their transaction is secure.

Accepted Card Schemes

ANZ FastPay ® Next Generation makes getting paid easier, by letting you accept EFTPOS, credit and debit card payments on the spot anytime, anywhere. 2

How to set up ANZ FastPay Next Generation

If you haven’t already, start by applying for an ANZ FastPay® Next Generation Merchant facility online. Once your application for an ANZ FastPay® Next Generation Merchant Facility is approved and you have received your card reader, download the app, plug in the card reader and you’re ready for business.

Accessibility options for ANZ FastPay Next Generation

ANZ is making improvements to the existing ANZ FastPay® merchant facility that will deliver improved customer security when processing card payments on the go 1 .

These improvements include the introduction of a new scrambled PIN entry method for added security, via the use of the ANZ FastPay® Card Reader with the ANZ FastPay® Next Generation app.

Some Merchants and cardholders with visual impairment may have difficulties in reading the Card Reader’s screen, and will not have the ability to utilise the accessibility options on the smartphone or tablet, as the Card Reader is inserted into the audio jack.

If you or your customer experience any challenges in using the ANZ FastPay®Next Generation app and Card Reader, please refer to your options below.

If your customer/cardholder is visually impaired:

Please select the Mail Order / Telephone Order (MOTO) option when processing the transaction.

If you do not have MOTO enabled, please call the Merchant Contact Centre on 1800 790 232 and they will be happy to assist you.

Please advise the support staff that you have a visually impaired cardholder that requires you to process a MOTO transaction.

If you as the Merchant or any of your employees are visually impaired:

Please call our Merchant Sales Team on 1300 366 988 to discuss merchant facility options that will cater for your specific needs.

Please advise the support staff that you have a user that is visually impaired.

ANZ FastPay® Next Generation only available to approved merchants who meet ANZ’s credit approval criteria and have an ANZ business account. Terms and conditions, fees and charges, and settlement times apply to the use of ANZ FastPay® Next Generation. ANZ FastPay® Next Generation processes Visa and MasterCard credit and debit cards and EFTPOS cards as well as American Express credit cards. If you wish to accept American Express cards then you need to contact American Express directly.

Use of ANZ FastPay® Next Generation requires a cellular or wireless internet connection. Temporary service interruptions may occur.

A minimum Merchant Service Fee of $10 (including GST) a month applies to Visa and MasterCard transactions.

Enacted when the ‘SAVINGS’ or ’CHEQUE‘ function is selected on the ANZ FastPay® Next Generation Merchant facility.

All applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions apply and are available on application. Fees, charges and eligibility criteria apply.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and the Financial Services Guide which are available on anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold the product.

Apple, the Apple logo and iPhone are trademarks of Apple Inc. registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc..

Android, Android Pay and the Android Logo are trademarks of Google Inc.

ANZ FastPay® Next Generation Merchant operating guide for iOS can be viewed here .

ANZ FastPay® Next Generation Merchant operating guide for Android can be viewed here .

ANZ FastPay® Next Generation Merchant operating guide ANZ FastPay® Portal can be viewed here .

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Business Loans #business #loans, #business #loan, #small #business #loans, #small #business #loan, #personal #loans,


Apply Now

Business Loans

Fast Business Lending Solutions Merchant Advisors offers small businesses a platform for business financing. Whether you need funding for expansion or working capital, Merchant Advisors gets you the business financing you need when you need it at minimal costs.

We understand that every business has its unique borrowing needs. Some may want to make new purchases to boost productivity and sales; some need working capital to support operating costs. That’s why we offer the use of innovative technology to offer simple, fast and unsecured business loans. As a non-bank lender, Merchant Advisors offers low longer terms and low rates for more effective business financing. We realize that if a loan costs too much – we may not get paid back! We prevent this by offering affordable business financing.

Unlike bank lending, our financial experts walk you through the loan process to make sure you have a full understanding of our loan process. We strive to make the loan application process as easy as possible; and this is what sets us apart from other lenders.

A Smarter Way to Shop for Business Loans, Compare & Save! Our goal is to serve our clients’ immediate and long term financial needs from basic business loans and credit lines to the most intricate financial situations. In today’s fast paced market time is money and we make sure you waste neither. Our experienced financial advisors keep their finger on the pulse of your business, and stay on top of your industries trends which can affect your entrepreneurial goals or existing enterprise.

If this sounds like something that interests you & benefits you, we highly recommend you APPLY NOW to get started with no upfront fees and no commitment to find out how much you’re eligible for.

What Sets Us Apart from Other Lenders?

  • We deal with the industry’s most trusted brand name providers
  • Increases your chance of approval by constantly adding new private lenders to our portfolio
  • You get the same (if not better) rate going through us to due to our portfolio track record with our lenders
  • Get a loan for your company without any collateral
  • Receive funding within a few business days!
  • Easiest lending platform with minimal information required for approvals
  • Best rates, save time, and save money!
  • Equipment financing, minority loans, startup funding, working capital many others options.

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Kirkland s Credit Card #credit #card #retail #services, #kirkland’s #credit #card


Kirkland’s Credit Card

Being a Kirkland’s Credit Card Holder and K Club Rewards Member
Is the Perfect Combination in Home D cor

Step One – Enroll in K Club Rewards Program

  • Go to www.kirklands.com/kclub
  • Under Create Your Account. click on ENROLL TODAY
  • Fill in all the required information, accept K Club’s Terms and Conditions and click on SUBMIT

Step Two – Complete your online Kirkland’s Credit Card Application

  • Click on Apply for Card
  • Fill in all the required information for application
  • Once approved, start shopping at www.kirklands.com or any Kirkland’s store location
  • 15% off * when you apply today

As a Kirkland’s Credit Card Holder and a K Card Rewards Member:

Get Rewarded – Receive a $10 reward for every 300 points earned. Kirkland’s Credit Card Holders that are K Club Members will receive 2 points for every $1 spent on purchases. 1

Earn Points No Matter Where You Shop – Earn K Club points on purchases made online at www.kirklands.com or any Kirkland’s store location when you make your purchase with your Kirkland’s Credit Card.

K Club Rewards Are Digital – No printing or coupons necessary! Rewards are redeemable on in-store purchases only.

Shop Customer Appreciation Days for Kirkland’s Credit Card Holders – As a Kirkland’s Credit Card holder, you will receive a 10% off discount on all in-store purchases the last Tuesday of every month.

Receive Early Access and Advance Notice – You will receive advance notice of sales, events and other special Kirkland’s savings opportunities. Plus you will be on a preferred list to receive our money-saving coupons.

Let’s Celebrate! – Kirkland’s credit card holders receive a special birthday offer.

Kirkland’s Credit Card Features:

No pre-payment penalties 2

Easy-to-use online account management and bill

1 Rewards Points are earned on net purchases (purchases minus returns/credits) and are redeemable on in-store purchases only. Certain transactions do not earn rewards points. See the Kirkland’s Rewards Program Terms and Conditions for details.

2 The Kirkland’s credit card is issued with approved credit by Wells Fargo Financial National Bank. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00 This information is accurate as of 01/01/2017 and is subject to change. For current information, call us at 1-800-431-5921.

*15% off – Applicants who apply online receive 15% off an in-store purchase as follows: 1.Approved applicants will receive a 15% off coupon in the mail with their new Kirkland’s credit card to use on in-store purchases on their Kirkland’s credit card account. 2.Applicants who are not approved will receive their 15% off coupon by printing and mailing their denial page to: Kirkland’s, Attn: Customer Service/Credit Card, 5310 Maryland Way Brentwood, TN 37027 (Please allow 10-12 business days to receive your coupon in the mail. This coupon will be valid on in-store purchases with any accepted method of payment by Kirklands.)

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College Credit Plus #ccp #online #courses, #post #secondary #enrollment #option| #prospects #college #credit #plus


Lakeland Community College’s College Credit Plus Program (CCP) offers high school students the opportunity to enroll at Lakeland on a part-time or full-time basis, and earn college credit which may also be used to fulfill their high school graduation requirements.

The intent of the CCP program is to offer a broad range of college level classes which provide educational opportunities not typically available in high school. Admission into this program is open to students who have clearly demonstrated the ability to handle college-level coursework.

Criteria for Participation

Interested students and their parents should follow the 5 steps below to determine eligibility to participate in CCP.

  1. Attend a high school CCP information session .
  2. File a CCP application with Lakeland Community College.
  3. Submit High School Transcripts
  4. Register for placement test and place into college level English either through successful completion of Lakeland’s Placement Test or submission of acceptable ACT/SAT scores.

**To participate in math courses through CCP, students must have successfully completed Algebra 2 and place into college-level math.

  • Attend a CCP new student orientation and registration session. Parents are required to attend with their child.

    Mandatory for Home School and Nonpublic Students:

    Home School Students

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  • Credit Card Debt Consolidation Loans, Prosper, how do i consolidate my credit cards.#How #do


    Credit Card Debt Consolidation Loans

    Are you looking for a loan to help you keep more cash in your pocket every month? By consolidating your high interest debts, you may enjoy the relief you need.

    Although you can never borrow your way out of debt, you can greatly reduce the amount of interest you pay every month. Depending upon the credit card balances you re currently carrying, this could save you lots of money—hundreds of dollars, perhaps thousands.

    Improve your credit. Start down the road to debt relief right now by applying for a loan at Prosper. You’ll enjoy one easy monthly payment, and we offer only unsecured loans so you won t need to take out a second mortgage or home equity loan.

    How does Prosper differ from other debt consolidation loans?

    Prosper makes the entire process as easy and transparent as possible. We bring people together to help others through our online community.

    Simply join the Prosper community and tell your story to our lenders. Explain how you re looking for a low-cost solution to consolidate your debt. Many of our lenders may respond positively to that as they understand the importance of eliminating excess debt and avoiding a bad credit score.

    With a Prosper loan, your loan principal goes down as you make your loan payments. So take the first step to eliminate your credit card debts by joining Prosper and creating a listing. Apply now.

    Does my credit score affect my loan?

    Yes. Most lenders will look at your credit history, and Prosper lenders are no exception. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure of your credit score, we can help you find out now, for free, with no obligation.

    Check your rate

    APR starting at

    5.99% for best borrowers

    Rates from 5.99% to 36.00% APR

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    How do i consolidate my credit cards

    Choose the right fit for your business

    Use your personal loan for business

    Borrow up to $35,000

    We’ll have a list of your eligible rates in less than 2 minutes.

    Introducing Business Loans from How do i consolidate my credit cards

    Borrow up to $500,000

    Up to $500,000 for eligible businesses

    Eligible businesses are older than 1 year with a minimum $100,000 in annual revenue. Get approved in minutes.

    Loan Types

    *For example a three-year $10,000 loan with a Prosper Rating of AA would have an interest rate of 5.32% and a 1% origination fee for an APR of 5.99% APR. You would receive $9,900 and make 36 scheduled monthly payments of $302. A five-year $10,000 loan with a Prosper Rating of A would have an interest rate of 7.69% and a 5% origination fee for an APR of 9.88% APR. You would receive $9,500 and make 60 scheduled monthly payments of $201.28. Origination fees vary between 1%-5%. Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 36.00% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

    Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.

    Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

    All personal loans are made by WebBank, member FDIC. Loans are unsecured, fully amortized personal loans.

    Notes are not guaranteed or FDIC insured, and investors may lose some or all of the principal invested. Investors should carefully consider these and other risks and uncertainties before investing. This and other information can be found in the prospectus. Investors should consult their financial advisor if they have any questions or need additional information.

    Prosper Funding LLC. | 221 Main Street, Suite 300 | San Francisco, CA 94105

    **All personal loans are made by WebBank, member FDIC. All Prosper personal loans are unsecured, fully amortized personal loans.

    Notes offered by Prospectus. Notes investors receive are dependent for payment on personal loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

    *Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes (”Notes”) issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through May 31, 2012. Our research shows that Prosper Note returns historically have shown increased stability after they’ve reached ten months of age. For that reason, we provide “Seasoned Returns”, defined as the Return for Notes aged 10 months or more.

    To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365.

    All calculations were made as of September 30th, 2013. Seasoned Return is not necessarily indicative of the future performance on any Notes.

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    Total Return Swap (TRS) #swap, #swaps, #total #return #swap, #trs, #asset #swap, #bond #swap,


    Total Return Swap (TRS)

    A Total Return Swap (TRS) is a bilateral financial transaction where the counterparties swap the total return of a single asset or basket of assets in exchange for periodic cash flows, typically a floating rate such as LIBOR +/- a basis point spread and a guarantee against any capital losses. A TRS is similar to a plain vanilla swap except the deal is structured such that the total return (cash flows plus capital appreciation/depreciation) is exchanged, rather than just the cash flows.

    A key feature of a TRS is that the parties do not transfer actual ownership of the assets. as occurs in a repo transaction. This allows greater flexibility and reduced up-front capital to execute a valuable trade. This also means Total Return Swaps can be more highly leveraged, making them a favorite of hedge funds.

    Total Return Swaps (TRS) are also known as Total Rate of Return Swaps (TROR).

    The Total Return Swap market is strictly institutional over the counter (OTC). Market participants include investment banks (Goldman Sachs, JPMorganChase), commercial banks (Bank of America, Sumitomo), mutual funds (Prudential, Merrill Lynch Asset Management), hedge funds, funds of funds, private equity funds, pension funds (CalPers), university endowments (Harvard, University of California), credit card lenders (American Express, MBNA/Bank of America), insurance companies (AIG, State Farm), governments, non-governmental (NGO) organizations (World Bank, Inter-American Development Bank), home loan banks (FHLB, Fannie Mae, Freddie Mac), and the Treasury departments of large multinational corporations (Wal-Mart, British Petroleum). A variety of special purpose vehicles (SPVs) such as CDOs and real estate investment trusts (REITs) also participate in the TRS market.

    The TRS market was traditionally between commercial banks where one party (Bank A) had exceeded its balance sheet limits, and the other (Bank B) had balance sheet capacity available. Bank A could shift assets off its balance sheet synthetically and gain additional income with less risk. Bank B could “lease” the assets of Bank A by paying some regular cash flows and offering a guarantee against any capital losses.

    In the last 10 years, hedge funds and special purpose vehicles have become a major force in the TRS market. Now the most common use of a TRS is for “leveraged balance sheet arbitrage”, whereby a hedge fund lacking a large balance sheet and seeking leveraged exposure to particular assets pays for that exposure by “leasing” the assets from a major bank, mutual fund, or securities dealer. The hedge fund hopes to generate high asset returns without having to tie up its capital by buying those assets for its own account. The bank, fund, or dealer hopes to generate additional cash flow by charging a spread over and above the market returns it receives from lending or other activities, and receiving a guarantee against depreciation of the assets.

    A TRS can be structured on any type of reference asset. including single equities, indexes, leases, oil-backed credit obligations, baskets of corporate bonds, mortgages, municipal bonds, other swaps or derivatives, real property, credit card ABS, residential MBS, CDO notes, investment grade convertible bonds, etc. This makes the range of potential market participants extremely broad.

    TRS Transaction Structure

    A TRS is made up of two legs, the Return Leg (or Total Return Leg) and the Funding Leg. The reference asset or basket of assets exists on the Return Leg. The cash flow payment stream exists on the Funding Leg.

    The Return Leg is generally made up of two components: cash flows and capital appreciation of the reference asset(s). The Funding Leg also has two components: floating coupons based on LIBOR +/- a spread and payments to offset any capital depreciation of the reference asset(s).

    Additional legs may be structured to account for reinvestment of returns, interest payments on collateral / haircuts, multi-currency flows, or differing payment schedules. Fees, spreads, principal payments, etc. may be added in a customized structure.

    The Return Leg counterparty is called the Total Return Payer, Swap Seller, Buyer of protection, or Beneficiary. Here, we will use the term Total Return Payer or TRP. The TRP (typically a bank, fund, or dealer) has a long position in the reference asset or basket of assets, holding them on its balance sheet. The TRP “buys protection” on these asset returns by agreeing to pay all of the future returns of the reference asset(s) in exchange for a floating stream of payments, usually LIBOR +/- a spread, plus a guaranteed offset of any capital losses incurred by the reference asset(s). The TRP gives up one set of expected future returns (capital appreciation, coupons, fees, dividends, etc.) in exchange for another set of future returns (LIBOR coupons +/- a spread) and capital loss insurance. This allows the TRP to lock in the value of its asset(s) and receive additional income.

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    Canadian Credit Card – Credit Card Applications Canada, affirm credit card.#Affirm #credit #card


    The definitive online resource for Canadian Credit Card Information.

    Affirm credit card

    Affirm credit card

    Affirm credit card

    Trip cancellation insurance: are you covered?

    Applying for a Credit Card

    It is quick, easy and secure to apply for a credit card online. Search, compare and apply for the card that s right for you by filling out a credit application form online. Receive a credit decision right away or within a few days of applying for a card.

    Search by Type of card

    Search by Credit Quality

    Search by Bank or Issuer

    News & Advice

    Information Center


    Balance Transfer, Low Interest, Cash Back, Rewards, Business and Auto/Gas Credit Cards

    Affirm credit card Affirm credit card

    • Simplify your finances while enjoying platinum services.
    • 0% promotional annual interest rate (AIR) on balance transfers for the first 12 full months
    • Access to 24/7 customer service
    • Around-the-clock-fraud protection
    • Immediate cash access at over 1 million ATMS worldwide
    • No annual fee

    Affirm credit card Affirm credit card

    • Low 11.99% interest rate
    • Interest free grace period of at least 21 days on purchases
    • Save hundreds of dollars a year
    • Pay down balances faster
    • Simplify your monthly payments
    • 20% AVIS rental card discount

    Affirm credit card Affirm credit card

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    Your credit score may jump starting in July #how #can #u #check #your #credit



    Your credit score may jump starting in July

    Consumers may be a few days away from a higher credit score.

    Improved standards for new and existing public records in the databases of the three major credit reporting companies will be implemented on July 1. As part of this change, a majority of civil debts and tax liens will be excluded, which means some credit scores will edge higher.

    The new standards follow a report by the Consumer Financial Protection Bureau that found problems with credit reporting companies and recommended changes to help consumers.

    Altogether, about 7 percent of the population will have a judgment or lien removed from their credit file, according to a report by Fair Isaac. The company calculates and sells FICO scores, one of the most commonly used scores by lenders.

    Once that information is stripped out, their numbers could rise by up to 20 points, Fair Isaac said.

    “Analyses conducted by the credit reporting agencies and credit score developers FICO and VantageScore show only modest credit scoring impacts,” the Consumer Data Industry Association, which represents Equifax, Experian and TransUnion, said in a statement.

    Still, credit reporting and scores play a key role in most Americans’ daily life. The process can determine the interest rate a consumer is going to pay for credit cards, car loans and mortgages — or whether they will get a loan at all.

    In the near term, “it will lower the cost of borrowing,” said Andrei Andreev, an adjunct professor of finance at San Diego State University.

    For consumers who are not directly affected by the changes, there could be consequences as well. With more borrowers now qualifying for better terms, banks may eventually have to increase interest rates to compensate for that additional risk,” said Thomas Brown, a senior vice president for LexisNexis Risk Solutions. LexisNexis also provides lenders with data to make credit risk decisions on consumer loans.

    What it really means is that there is vital information that is being ignored and the net result will disadvantage the other 93 percent of consumers,” Brown said.

    “It will take us a little while to know exactly what the overall impact is,” said Ofer Mendelevitch, the vice president of data science at online lender LendUp.

    For now, by eliminating those large sources of potential for errors, “we think it will represent credit worthiness better,” he said. (Incorrect information on a credit report is the top issue reported by consumers, according to the CFPB.)

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    Simple Ways to Avoid Credit Card Fraud #credit #card #basics


    Simple Ways to Avoid Credit Card Fraud

    In today s information age, your credit card information is pretty much always at risk for theft. Fortunately, you can try to avoid credit card fraud by keeping your credit card information extra safe. Always be on guard for scammers who may try to trick you into giving up your credit card details.

    Keep your credit cards safe.

    © Glow Images / Getty

    One of the simplest ways to avoid credit card fraud is by keeping your credit cards safe from thieves. Place your credit cards in a purse or wallet close to your body where it can t easily be snatched away.

    Ladies, make sure your purse is zipped. If you re shopping in a high traffic area, carry a smaller purse because it s harder to steal or sneak into. For both men and women, carry only the one or two credit and debit cards you ll be using that day. Leave all your other credit cards at home.

    Thieves can take pictures of your credit card with a camera or cell phone, so don t leave your credit card exposed any longer than necessary.

    After you make a purchase put your credit card away immediately. Confirm you have your credit card back in your possession before you leave the store or restaurant.

    Shred anything with your credit card number on it.

    Don t toss your credit card billing statements directly into the trash – they typically have your full credit card number printed on time. Shred them to keep dumpster divers from getting their hands on your credit card number. The same thing applies to old credit cards that have expired or been cancelled.

    You can go a step further and put the shredded pieces in different trash bags for the extra eager thieves who might put shredded pages back together.

    Don’t sign blank credit card receipts.

    Always verify the amount on your credit card receipt before signing it. If you get a credit card receipt that has blank spaces in it, write $0 in those spaces or draw through them before putting your signature on the card. Otherwise, the cashier could write in an amount and send the purchase to your credit card issuer.

    Avoid giving out your credit card information.

    Only give your credit card number or other sensitive information on calls you initiate. Not only that, when you call your credit card issuer s customer service, use the number on the back of your credit card. Don t return calls to a phone number left on your answering machine or sent to you in an email or text message. It s hard to be sure a scammer hasn t left a fake number for you to call.

    Don t give your credit card number to anyone who calls you requesting the number. Credit card thieves have been known to pose as credit card issuers and other businesses to trick you into giving out your credit card number.

    Be safe with your credit card online.

    Don t click on email links from anyone that looks like your bank, credit card company, or other business who uses your personal information, even if the email looks legitimate. These links are often phishing scams and the scammers want to trick you into entering your login information on their fake website. Instead, go directly to that business s website to logon to your account.

    Make sure you re cautious when you re using your credit card online. Only enter your credit card number on secure websites that you can be 100% sure are legitimate. To be sure a website is secure, look for https:// in the address bar and lock in the lower right corner of your internet browser. Taking these extra steps will help you avoid credit card fraud.

    Report lost or stolen credit cards immediately.

    The sooner you report a missing credit card the sooner your credit card issuer can cancel your credit card and prevent fraudulent charges. Reporting your lost or stolen credit card as soon as possible lowers the likelihood that you ll have to pay for any fraudulent charges made on your credit card. Write down your credit card companies customer service number now so you ll have them if your credit cards are ever missing.

    Review your billing statements each month.

    Unauthorized charges on your credit card are the first sign of credit card fraud. If you notice a charge you didn t make, no matter how small, report the charge to your credit card issuer immediately. Your credit card issuer will tell you whether you should close your account and get a new account number to avoid credit card fraud.

    Make strong passwords and keep them safe.

    Your credit card number may be stored in a number of places online. For example, you may save your credit card on Amazon so you can make one-click purchases. Make sure you use strong passwords – a combination of upper- and lower-case characters, numbers, and even characters – and avoid writing or sharing your password.

    Check gas stations and ATMs for credit card skimmers.

    Credit card thieves sometimes place credit card skimming devices onto the credit card readers at gas pumps or ATMs. These skimmers capture and store your credit card information and credit card thieves come back later to get the device. Skimmers are placed over the regular credit card swipe, so if anything looks off about the place you re swiping your credit card, go to another gas station or ATM.

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