Credit Card Processing Rates – The Big Six

September 27, 2009 | By Anne Torres In Finance | by Anne TorresIf you’re new to the merchant services industry, you’ll find that there is a very high level of competition going on among its participants. In choosing an account provider, one usually goes for the one that offers the lowest credit card processing rates. However, things may not be that simple as the merchant will need to have a good understanding of these rates and how they play a role in the way an account will be handled. [more...]

Date: 2009-09-27 09:46:29

Blog posts (198) | Videos (144)
 

Brief Interview With a Visa Representative

You may have noticed a new sponsor lately. Yep it’s Visa ... to use as a credit card? Despite the popularity of debit cards, consumers are often confused ... of the same features and protections provided by their credit card are also offered with debit cards [more...]

Date: 2008-12-23 16:49:43

Bogus and Scam Credit Counseling Groups Become Target Of Florida Legal System

TALLAHASSEE, FL - Attorney General Bill McCollum today unveiled his office’s latest consumer protection initiative in the form of a coordinated ... , all of which were purportedly offering debt relief services including credit counseling, credit repair, debt management, and credit card rate reduction services. “As more Floridians facing financial [more...]

Date: 2008-10-21 05:39:01

Shuffling Debt: My Impatience has Gotten the Better of Me…

Fudgie the Whale - Happy Birthday to Me! Using one of those 0% credit card offers, ... have on my Chase credit card… ... cancellation of PMI. I have a sinking feeling that when I put in my third cancellation request [more...]

Date: 2008-08-13 09:16:36

Toronto Meet Ups

Live With John Chow & Yaro Starak Join myself and fellow blogger Yaro Starak for our first Toronto meetup this Thursday, ... my Toronto readers at Live or Dot Com Pho or both. This Post Was Brought To You By Best Credit Card Offers Get up to $250 or even FREE round-trip plane tickets by signing up for hot credit card offers [more...]

Date: 2009-01-15 22:33:42

Store Credit Cards: Not The Best Idea

If you shop at department stores or mall clothing stores, you likely know how the transaction will go ... . And when a salesperson tempts me with a credit card offer by waving that in-store discount in my face, I say “ ... can generally obtain a reasonable rate on a major credit card by simply asking. Store charge accounts [more...]

Date: 2009-01-07 18:58:51

Managing Your Credit Cards Responsibly

September 27, 2009 | By Tawana Rashing In Finance | by Tawana RashingCredit cards can easily go from being your best friend to your worst enemy. If your credit is any good at all, you probably get a ton of pre-approval notices from different companies. They?re offering you the world in a credit card ? no APR, huge credit limits, awesome purchase bonuses and more. [more...]

Date: 2009-09-27 17:25:27

Consolidate Debt to you Credit Cards

Credit card companies are constantly looking for ways to get more customers ... , these credit card deals can work to your advantage. The Debt Consolidation blog offers insights ... to get a debt consolidation loan with virtually no fees. While this isn’t necessarily a bad strategy, you need [more...]

Date: 2009-01-08 03:01:19

The Ultimate Pandemic: Identity Theft

If you’ve ever been a victim of identity theft, you know first hand the stress and problems it can cause ... . 6.  Make photocopies of your license and credit cards.  Keep your social security card at home.  Also ... with your name and address on it.  This is especially important for credit card offers you receive in the mail [more...]

Date: 2009-01-15 15:24:48

Where Are The 12 Month 0% No Balance Transfer Fee Credit Card Offers?

The credit crisis is bumming me out. Because of the current economic recession, an important source of free money and money making opportunities has all but dried up on me and pretty much everyone else in the country. I’m talking about lucrative balance transfer credit cards - namely, [more...]

Date: 2008-09-30 02:50:48

Personal Finance in Japan: An American View

This is a guest post from Steve in Bibai, Japan. He’s offered, several times, ... , but anyone with financial limits would pay by credit card.  Several 40-something civil servants (upper middle class) in my office have never even owned a credit card.  Those who do have a credit card [more...]

Date: 2008-11-27 13:00:34

Best Prepaid Credit Card – What To Look For

September 27, 2009 | By Dan Moskel In Finance | by Dan MoskelYou may have heard of these and asked, “why are they called credit cards if you receive no credit?” To answer that question and many others, let’s look at them in detail.Nearly all of the major issuers offer these. The concept is very simple. Once you are approved, and nearly everybody regardless of their history is, you get a card in the mail. It looks identical to a regular one typically with a Visa or MasterCard logo. [more...]

Date: 2009-09-27 18:13:10

Ten For Tuesday (January 6, 2009)

1. First off, check out this resource I discovered a couple of days ago. It’s called NewMogul.com ... . 6. Lazyman has some tips on how to have a successful 2009. 7. Tricia wrote about credit card offers on college campuses. She said, “I have come to realize that whenever you get a credit card through [more...]

Date: 2009-01-06 17:55:07

Choosing Cashback Or Rewards Credit Cards

By Mary Bush The past decade has been the balance transfer offer, ... of the credit card companies who, victims of their own marketing success, found themselves losing ... who wished to gain the most benefit from their accounts. Luckily for these clued-up credit card [more...]

Date: 2009-01-03 14:06:37

Tell All Tuesday - Where Did August Go Edition

I can’t believe it is September already!  I guess that old saying about how time flies when you are having fun is true after all ... towards it.  With our credit card, I just threw an extra payment onto it whenever I earned some extra ... of people have asked about the idea of moving the student loan to a credit card with a 0% transfer offer [more...]

Date: 2008-09-02 19:16:05

Credit Cards - The Info You Should Know About

It is a common thing to receive a pre-approved credit card offer be e-mail. Some people don’t pay attention to this, and some are extremely excited and readily agree as soon as they see one. But do they know what they agree to? In fact, the term “pre-approved” is not quite suitable to describe credit card [more...]

Date: 2009-09-29 22:11:56

Got Credit Card debt? You may be in luck…

by Rolfe Winkler, CFA If you’re delinquent on your credit card balances, now may be a good time to pay down that debt ... are being offered deals that forgive 20 to 70 percent of credit card debt… Just as lenders competed ... desperate card companies: After helping to foster the explosive growth of consumer debt in recent [more...]

Date: 2009-01-03 01:44:51

Credit Card Consolidation

"I’d rather go to bed without supper than rise in debt." - Ben Franklin. Sure does! ... cards consolidation service that will help you work on your credit up. They offer a debt consolidation program for consumers with credit card debt, medical bills, repossessions, and accounts [more...]

Date: 2009-01-05 17:05:15

Biodegradable Credit Cards - Disintegrate Spending With This Green Discover Card

(TrendHunter.com) A lot of credit card companies are jumping on the greenwagon by offering affinity cards that kick back a portion of their fees to green organizations. Now Discover has launched the first truly green card--one… [more...]

Date: 2009-01-02 19:59:53

6 Powerful Easy Tips for Living Debt Free.

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... that almost every one likes to enjoy the benefits offered by low interest credit cards, but they never read their statements when they have to pay back the bill. Credit cards involve the risk of starting [more...]

Date: 2009-01-06 10:45:18

Visa’s Take on Debit Cards

A representative from Visa offered to answer a few questions for Consumerism Commentary readers about debit cards ... their payment of the credit card bill). With debit cards, any purchase made immediately affects ... all financial institutions issuing Visa products to extend provisional credit for losses [more...]

Date: 2008-12-22 11:00:46

Good Idea, Bad Execution

I’m sure everybody has done this at least once. You come up with this great idea to save money and then realize later that it either didn’t save ... Credit Card Debt. Sometimes you get an offer that will allow you to transfer previous balances ... to the letter. You also have to watch your credit card statements like a hawk to make sure that everything [more...]

Date: 2008-06-16 14:33:08

Random Snippets

by hilzoy Just a couple of things I had to highlight ... in recent years, credit card companies are realizing that some hard-pressed Americans will not be able to pay their bills as the economy deteriorates." Really? All those credit card offers to people [more...]

Date: 2009-01-05 07:20:09

Layaway is Making a Comeback

I read an interesting article in the Detroit News about layaway ... to the customer. Now banks are lowering credit card limits and home equity lines, and even consumers ... . Before there were credit cards, stores offered layaway as an option to consumers who may [more...]

Date: 2008-12-14 06:13:42

Travel Tips From A Japanese Travel Agent

This is a fantastic email forward that’s going around that was written by an American citizen that lives in Japan: ... a credit card, in order to make them spend more money. We suggest politely declining offers of credit ... store, they will ask you if you want to open a credit card account. They are *not* asking whether [more...]

Date: 2009-01-16 03:16:14

Debt Consolidation

Debt Consolidation   Posted in Saving Tips Are you overcome by credit card debt? Do credit card bill collectors leave more messages on your machine than your friends & family ... to help you reclaim financial freedom. They offer debt consolidation where they will work with each [more...]

Date: 2008-12-11 12:03:56

The Return of Layaways

With the economic crisis looming over the new year, retail stores are now thinking of alternatives to offer their consumers, who are by now experiencing the credit crunch. More and more credit card companies are helping ... the item unless it has been paid for in full. It is really the exact opposite of using a credit card [more...]

Date: 2008-12-27 09:01:13

Medical Bill

With the Feast of The Three Kings, officially the longest Christmas celebration is now over ... to Debtco.org, a non-profit company that offers debt solutions for all the credit card purchases you made during the holidays. Through Debtco.org, you can consolidate all your multiple credit card [more...]

Date: 2009-01-08 19:40:27

Oh No.

Our internet connection is acting up again. Add to that, my blog loading so very slowly. Just in time when I needed to post something. It has been like this since the holidays. I was in the middle of shopping online and browsing various credit card offers when the connection broke. Now I am afraid of checking out my items [more...]

Date: 2009-01-08 02:18:20

Have You Considered Debt Consolidation?

One of the solutions suggested by debt specialists is debt consolidation, wherein accumulated unpaid debt can be paid through it ... , water, cable, internet connection, income and property taxes, credit card and transportation ... who do not include credit counseling first before offering options like debt consolidation service [more...]

Date: 2008-11-19 15:33:05

Freshpeople: Be Smart About Credit

Freshpeople: Be Smart About Credit Category: Wasting your time The new students have arrived at UC-Berkeley, closely pursued by hordes of credit card marketers. Right by my office is a bank that literally ... get your first credit card from the guy on the street offering you a t-shirt or worthless, plastic (likely lead [more...]

Date: 2008-08-27 13:12:29

Credit Repair Help - It’s Not As Hard As You Think!

by Mark Alison People are in debt. Living in this world with bad credit can be difficult ... of your credit cards, be sure to pay off and close the accounts. Credit history is important ... s a good idea to join a credit union as well. They offer a better chance of giving you a consolidation [more...]

Date: 2009-01-06 14:47:19

If Personal Finance is Easy, Why Isn’t Everybody Rich?

Yesterday, MSN’s Smart Spending blog posted a version of my recent article about the dirty secrets of debt reduction (and what to do about them) ... , consolidate debt, use 0% offers, use the one credit card with a 0 balance as it is cheaper than cash. You’ll ... to get out of debt. Debt elimination involves three steps, I said: Stop acquiring new debt [more...]

Date: 2008-08-06 18:00:13

Emergency Debt Relief Programs

There isn’t much in this world that is more frustrating than finding you are in the midst of a financial crisis ... relief program. You will be offered several services that can aid in making your credit card ... who have very high credit debt and most likely overspend well beyond their means. High interest [more...]

Date: 2008-12-22 19:19:01

Understanding Credit Information And How It Governs Our Everyday Life

When you ask for a student loan, try to get financing for a car or apply for a mortgage, the lender will look at your credit information ... slip into collection or made a settlement offer on a past credit card. By assessing this financial [more...]

Date: 2008-10-28 09:07:06

Yet Another Reason to Hate the IRS (and OCC)

Photo by SC Fiasco As if it weren't hard enough to get banks to offer workouts to overindebted consumers! ... lenders want to forgive significant portions of credit card debt that borrowers can't currently repay ... to expand credit card debt forgiveness. According to the Financial Services Roundtable (whom I don't [more...]

Date: 2008-10-30 20:11:13

Debt Settlements – Learn Why Consumers Refer to Debt Settlements As Free Money

Technically speaking, there can be no such thing as free money. Every dollar has to be earned. Unless you are the son or daughter of a multi-billionaire, you have no option but to earn money to survive. However, the post recessionary phase in the economy has seen a lot of money in the form of debt settlements. What is most surprising is that providers offering free money are none other than credit card issuers and unsecured loan providers. [more...]

Date: 2009-09-20 06:02:42

Loan Consolidation Can Help You, But Know What You’re Getting Into

Tom Garimentis has given us the great opportunity to look on his web page and find many different lenders whom are offering “unsecured financing” ... in the United States are virtually buried under credit card debt. Many can never seem to get past ... for and they are finding themselves further in over their heads as each month goes by. Credit card debt [more...]

Date: 2008-12-09 15:55:52

Burning Man Ticket Clusterfuck 2009

Photo of last year's tickets by m.klynstra. By Steven T. Jones Burning Man tickets went on sale today at 10 a.m ... ambiguous repeated message "Your order may have completed" after we offered up our credit card numbers ... have completed," but saying I could try again. I did, this time buying two tickets on another credit [more...]

Date: 2009-01-14 23:57:26

Personal Loans for Scary Times

The Excorist and The Texas Chainsaw Massacre combined aren't as scary as the current economy ... consolidation, credit card and personal. Better yet, they offer customers quick, no hassle loan ... , there are no application fees, and they offer nationwide services. If you find yourself in a bad credit [more...]

Date: 2008-10-06 13:40:25

Ten Ways to Reduce Debt

by Michael Geoffrey Debt reduction requires good planning and great financial discipline. Here are ten steps that can reduce your debt: 1 ... a debt consolidation loan. If you are a member of a credit union you may find they offer better ... to encourage you to transfer your balances to their credit card. However, beware of missed or late payments [more...]

Date: 2008-11-24 22:33:22

I owe Citibank negative five centavos. How do I pay it?

THIS IS MY unusual, and so overly annoying problem for more than a year now.  I welcome any out-of-the-box solutions you may offer ... center agent to somebody who went on to probe why I wanted to terminate my credit card. To cut the story ... months ago.  I decided to stop using my Citibank-Shell credit card which I started using just a [more...]

Date: 2009-01-13 22:01:33

Debt Consolidation for You

Adult people in United Sates are able to have more than two credit cards in their wallet. And you know, its mean double debts. Any people complain about credit card payment in recent months. As you know global crisis ... . The other offering that available here is debt counseling. You can read the comprehensive information [more...]

Date: 2009-01-14 03:37:03

Borrowing From Big Banks – A Moral Issue?

*Me to group* “Hello everyone. My name is Matt and I’m a recovering big bank customer.” *Group replies in unison* “Hi Matt!” *Me to group* “I’m 33 years old, and have been borrowing from big banks ever since they courted me with offers of credit cards and free t-shirts on my University campus back in the 1990s. [more...]

Date: 2009-07-23 12:15:54

How to Lose (Reward) Points

Getty Images Reward programs: toasted or offering toasters? The Journal’s Jane J. Kim on vanishing credit-card rewards programs: Under pressure to cut costs and bolster profits ... -earned points: Rule No. 1. Miss a payment. Credit-card issuers are increasingly worried about rising [more...]

Date: 2009-01-14 15:11:05

Yet another credit card offer

Well, either the economy isn’t as bad as its cracked up to be or Wall Street doesn’t care that I was out of work for two months. I got an offer for a Discover card in the mail today. [more...]

Date: 2009-01-14 03:24:20

Writer Auditions at Money Smart Life

The time has come. I’ve decided to shut down the site and spend my evenings vegging in front of the television ... My Dollar Plan offers 7 ways to payoff credit card debt. – Suns Financial Diary talks about what qualifies [more...]

Date: 2008-07-07 05:02:08

Advanta Business Credit Cards: A Closer Look

The credit card wars continue to heat up and that spells “good news” for consumers ... , has thrown the gauntlet down and is now offering a low APR on balances until the debt is paid off. Let [more...]

Date: 2009-01-15 23:33:16

Asking For financial Help Is Not As Tough As It Seems

If you are like a lot of people these days, you may be overextended in your monthly budget. It is very easy to be lured in by the offers of fast, pre-approved credit cards flooding the mailbox. Cashiers at almost every store tempt you by asking, Would you like to apply for a store credit [more...]

Date: 2009-01-15 20:08:23

Collecting Your Money: What to Do When A Client Does Not Pay

Guest post by Sandra P. Martini, the Automatic Business Coach. You’re psyched! ... wire, PayPal, credit card – offer him all the options and be sure that you have more than just “send [more...]

Date: 2008-10-21 23:33:36

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