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Credit card scheme lands former N.C. State player with fraud charges

Gavin Grant in Hot Water RALEIGH — A former N.C. State basketball standout turned himself in to police this week after he was charged with participating in a credit card scheme at a Triangle Town Center store. Gavin Grant, who played ... to some credit card transactions and stems from a report we received from Saks Fifth Avenue [more...]

Date: 2009-01-15 20:12:39

Blog posts (705) | Videos (681)

Watch Out for Possible Credit Card Scams

I am constantly amazed by the creativity of thieves when it comes to ways to scamming people ... will be so much better. Currently in the United States, the credit card companies take the burden off customers for any fraudulent activities. What this simply means is that if someone steals my credit card [more...]

Date: 2008-10-30 15:25:07

Another Way I Use Credit Cards to My Advantage

Recently, I started to make bigger purchases around the middle of the month because I found that I can save more money this way ... further. Credit cards have a statement date where they will calculate how much you owe with the due ... ScoreWhat Helps Me Give Away Free Gas Gift CardsDrowning in Debt? Don’t Make This Credit Card [more...]

Date: 2008-10-06 16:08:14

The End of Cash?

While it’s a bit premature to proclaim an end to cash-based society, I was recently reminded of just how plastic-dependent we’ve become ... Credit Card » We’re Homeless… » Save 5% on Gas Purchases With the Discover More Card ... chosen to arm their flight attendants with handheld credit card readers and subject themselves [more...]

Date: 2009-01-12 18:37:56

They cancelled my credit card

I just saw this article called “My credit card was cancelled” on the money section of CNN.com ... closing all the others. We also occasionally purchase something on them and quickly pay it off ... . We have been working the last three years to pay off over $30,000 of consumer debts. I love the feeling [more...]

Date: 2009-01-01 16:05:52

Get a Grip on Credit Card Debt

Get a Grip on Credit Card Debt dec26homespunweb.jpg RISMEDIA, Dec. 26, 2008-(MCT)-While consumers are being urged to spend this holiday season to help bolster the economy, those who do may face big credit card bills in January. Full Story [more...]

Date: 2008-12-25 21:00:10

Credit Card Companies Are Closing Unused Accounts

Several GRS readers have written lately with the same credit card problem — but not the one you’d expect. Perhaps in an effort to cut costs, credit card companies are beginning to close their customers’ ... on to the accounts since they help my credit history. I just got some bad news about my oldest credit [more...]

Date: 2009-01-06 19:00:00

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

Can Debt Consolidation Help To Overcome Credit Card Debts?

by Ann Collin The only way to keep up with the latest about debt consolidation is to constantly stay on the lookout for new information. If you read everything you find about being sued for debt, it won’t take long for you to become an influential authority. Our society encourages consumers to “buy now, pay later”, offering credit cards and convenience to spend more everywhere we look. This is why it is so easy to get carried away with spending, and eventually end up “knee-deep in debt”. [more...]

Date: 2009-09-21 11:48:57

Plastic on plastic

Look! This is my plastic face on a plastic card. I’m Alliance Bank’s new face!   …not. Because everyone can have their faces printed across their very own credit card!! Alliance’ ... like to show off their credit cards with some shimmery colors ... See you at www.cheeserland.com :) [more...]

Date: 2009-01-16 04:27:52

[IMG Woman Sleeping]

My wife suffers from sleeping sickness Ask an expert: Narcolepsy is making it increasingly difficult for my wife to hold down a job ... bonds GO Consumer advice Shopping Your rights Buying and selling a car Holiday GO Credit & loans Get out of debt Bankruptcy Credit cards Picking loans Credit checks GO Insurance Home [more...]

Date: 2008-09-24 14:17:36

An Inside Look at Blueprint: Split, Finish and Track It

As we mentioned earlier , Chase has rolled out some new financial tools to help you track your finances and conquer your credit card debt. All in all, these simply amount to fancy ways of looking at your balance – but as anyone who regularly reads personal finance blogs knows by now, the road to a debt free (or at least a manageable amount of debt) is paved with discipline moreso than breaks from credit card companies. Blueprint offers Chase customers some flashy systems for motivating yourself. [more...]

Date: 2009-09-18 11:55:09

Read More Information About IVA inside this Blog Publication

One of the most widespread causes of numerous debts occurrence is considered to be the excessive and unthoughtful use of credit cards. The only way in which one can avoid such debts is through reducing the use of one’s credit cards when paying the charges. In fact repaying all the debts gives one an awesome feeling. Also the credit score is much improved along with the reduction of the debts level, giving you an opportunity for having lower rates on possible future credits. [more...]

Date: 2009-09-27 21:55:32

2009 Personal Finance Goals - Back to the Essentials

The start of the year is always a good time to take stock of your situation and make assessments on what you would like to achieve ... share the responsibility for most joint bills, but we each pay our own credit cards and don’t have access to one another’s credit card accounts [more...]

Date: 2009-01-07 11:03:18

Express Auto Transport: Be on the lookout for Credit Card Fever

In the middle of a year, which saw the most awful of a credit crisis, it is probably not important to speak about how one should stay away from having a huge debt on one’s back. It would be right to say that we have seen the best and worst of credit. Credit cards [more...]

Date: 2009-09-29 22:18:28

Can Debt Consolidation Help To Overcome Credit Card Debts?

The only way to keep up with the latest about debt consolidation is to constantly stay on the lookout for new information. If you read everything you find about being sued for debt, it won’t take long for you to become an influential authority. Our society encourages consumers to “buy now, pay later”, offering credit cards and convenience to spend more everywhere we look. This is why it is so easy to get carried away with spending, and eventually end up “knee-deep in debt”. [more...]

Date: 2009-09-15 15:05:02

Forgiven Debt Really is Income

There was a pretty good post over at WiseBread yesterday on how if a credit card company forgives some of what you owe, what was forgiven is income you have to pay taxes on. On the one hand, this is a point worth repeating because it seems to surprise most people. On the other hand, the post neglects to mention an important exception, and, moreover, feeds into the belief that this is an irrational fluke of the tax code. It isn’t. It makes sense. You owe Credit Card Corporation (CCC) $5000. [more...]

Date: 2009-09-23 15:59:00

uh, From Smiling Coffee Vendor to Terror…

uh, From Smiling Coffee Vendor to Terror Suspect , the most bizarre part: In April 2008, according to bankruptcy records, he began using a Discover card. May 2008: a Shell card. June 2008: five new credit cards. July 2008: three more, including ones from Sony and Radio Shack. August 2008: two more. He would later report that his monthly expenses were $1,108, including $450 in rent and $390 for food. His stated income was only $800. … In March, Mr. Zazi filed for bankruptcy. [more...]

Date: 2009-09-26 08:47:03

Immediate Credit Card Debt Relief

Credit card debt relief can be accomplished through several ways. First of all though is to accept the fact that paying a monthly payment that is more than 20% of the monthly income other than for a mortgage or rent spells trouble. [more...]

Date: 2009-09-26 11:20:17

The Silver Lining

“I think we’re undergoing a fundamental shift from living on borrowed money to one where living within your means, ... are added in, about one of every five household dollars is now claimed by bills. The credit card ... households have become dependent on borrowing, the average amount of credit card debt discharged [more...]

Date: 2008-10-13 01:24:35

Mid-Holiday Roundup

Here we are, halfway between Christmas and New Year’s. Our holidays started with a relaxing Christmas Eve followed by an enjoyable Christmas morning ... Reasons Why Credit Unions Kick Ass @ pfBlueprint List of 50 Largest Mutual Fund Companies @ GenXFinance ... Dollar Journey New FICO Credit Scoring System in 2009 @ Credit Addict Credit Cards Made a Little [more...]

Date: 2008-12-29 06:05:13

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

Ex-Credit Card Bankers: "Every Customer Who Calls In Is A Mark. It's A Great Big Con." [Confessions]

CNN has an interview with two former credit card bankers who are admitting that their job was to get consumers to max out their credit cards and take on as much debt as possible, regardless of the customer's ability to afford it. They both worked for MBNA at their "sprawling consumer call center in Belfast, Maine." The bankers say [more...]

Date: 2008-09-25 16:39:25

Incidental #1,341

see more Engrish WITH BANKERS ALL THE MORE TIGHTENING THEIR CREDIT-QUALITY STANDARDS AND TESTS IN RESPONSE TO THE CURRENT SOCIOECONOMIC SITUATION over recent months, Your Correspondent has to wonder if we may be about to see within measurable distance a resurgence of "guaranteed approval" loan and credit card offers targeting such with no established credit or even problem credit made all the more so by their bring tricked into "sub-prime" or "Alt-A" mortgages through deception or trick. [more...]

Date: 2009-09-23 19:30:00

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

bruce springsteen secret garden lyrics

For you to own a credit card, you should first know what are credit card rates? What is an APR? What are the different kinds of rates? ... to be nothing more than a fraud. This might seem ridiculous to other people coz how can you possibly listen [more...]

Date: 2009-01-15 20:33:57

[IMG Pensioner]

Can pension be linked to mortgage? Ask an expert: My husband is seriously ill and I fear the worst ... Income bonds GO Consumer advice Shopping Your rights Buying and selling a car Holiday GO Credit & loans Get out of debt Bankruptcy Credit cards Picking loans Credit checks GO Insurance [more...]

Date: 2008-09-24 14:17:36

Your Credit Report Card

Mark Frauenfelder is the co-founder of my favorite sites, Boing Boing (which is a “directory of wonderful things”). Mark’s also a GRS reader. He dropped me a line the other day to tell me about a new project he’s been following. Today, Credit.com is launching a free new online financial tool called Credit Report Card . This tool is designed to provide users with a quick snapshot of their credit reports. [more...]

Date: 2009-09-29 18:00:31

Debt Consolidation - How Obama is Making it Easier to Eliminate Credit Card Debt

Amazon.de Widgets Recent economic conditions and massive government spending have actually made it easier for consumers to eliminate credit card debt. The passage of the financial stimulus bills has given creditors much more flexibility when negotiating debt settlements. Not only do creditors have a lot of stimulus money to hedge their losses on debt settlements but they are also very worried about defaults on delinquent accounts. [more...]

Date: 2009-09-16 08:49:45

Unsecured Credit Card Debt Consolidation – Is it Possible?

Amazon.de Widgets Debt consolidation companies advertise their ability to condense all of your debts into one bill each month. Sure, that sounds really nice. But is that sort of option even feasible? To you, you are just taking on another debt to get rid of debt. Sounds like a mess of contradictions, does it not?Unsecured credit card debt consolidation has proven to work for many, many people. But, some of us would rather try to remedy our struggles with debt on our own. [more...]

Date: 2009-09-23 18:07:01

Credit Card Laws and Court Rulings–Have They Helped Consumers?

This is a guest post by Bill Hardekopf, CEO of LowCards.com . Congress passed the Credit CARD Act in May but gave issuers and banks almost one year to implement the major provisions of the bill. Since then, issuers did exactly what they threatened to do–raise rates and fees on a broad group of cardholders. Consumers and elected officials are not happy about this, and members of Congress plan to introduce a bill to accelerate the effective date of the bill from February 22, 2010 to December 1, 2009. [more...]

Date: 2009-09-25 19:18:38

Carnival of the Green # 152

Copyright RealCentralVA.com, LLC. If you are not reading this at RealCentralVA.com the site you see is likely stealing content ... card companies who profess to Change the World With Credit. Is it possible? Doubtful. While there’ ... card is sketchy at best and can be dangerous to your wallet. Credit card companies [more...]

Date: 2008-11-03 12:01:27

How to Get Credit Card Debt Collectors to Focus Their Energy Elsewhere

Most of those people who cannot afford to pay their monthly minimum credit card payment become potential victims of the consumer debt collection industry. However, a growing number of consumers have found a law to protect themselves against credit card debt collectors. [more...]

Date: 2009-09-26 12:39:41

Helpful Ways To Save Money In Hard Times

The credit crunch is continuing to beat thousands of people out of their homes - people who once lived the American dream ... of our lives now, whether we like it or not, and as we watch the shocking reality of the credit crunch ... up your credit card If you find it hard to deal with credit and feel that you cannot pay off [more...]

Date: 2008-11-07 12:56:35

Best Student Credit Cards

Best Student Credit Cards by jim on December 27, 2008 With the new FICO score rules removing the impact of piggybacking, ... cards are that the limits are low but you can still fall very deep into debt. Only spend that which [more...]

Date: 2008-12-27 17:09:34

Pinching pennies

Pinching pennies January 15th, 2009 1:14 pm by Gregory Phillips The National White Collar Crime Center says credit card charges of less than a dollar have been showing up on credit card bills nationwide from a fraudulent company called Adele Services, based in Melville, N.Y.. The company is apparently trying to get rich by stealing small [more...]

Date: 2009-01-15 18:14:19

Review: Financial Infidelity

Each Friday, The Simple Dollar reviews a personal finance book of interest. ... that can be the earliest cracks in the foundation of a marriage. A little withheld truth about a credit card debt ... some incredibly devastating tales of woe - suddenly discovered five-figure credit card bills, closets full [more...]

Date: 2008-08-22 14:00:37

Consumer Groups Blast Banks' Card 'Tricks'

If credit cardholders feel worse off since the passage of the law designed to protect them from banks, that's because they are. An avalanche of new fees, interest rate hikes and other costly changes since the law was signed in May suggest the Credit Card Accountability, Responsibility and Disclosure Act, or the CARD Act, has backfired. [more...]

Date: 2009-09-29 19:40:03

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

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

Debt Consolidation: Don’t Dismiss Consolidation, It Can Help!

Amazon.de Widgets Consolidating Debt is often regarded by many as a sign of personal financial mismanagement when in fact it is quite the opposite as this article outlines.Debt consolidation is often considered a last choice option for people who are struggling with paying their credit card debt. Many believe that to consolidate credit debt is akin to saying that they cannot support themselves. If they were to collect some debt consolidation information, their attitude might change. [more...]

Date: 2009-09-15 14:00:05

Paulson's New Program: Giving People Money They Can't Afford To Spend

The news is as old as the Magna Carta. The consumer is broke. He does not have a dime. He is out of work. He is defaulting on his home equity loan, and the bank has reposed his credit card. It may ... of auto loans, student loans and credit cards." The head of the Treasury is concerned that people [more...]

Date: 2008-11-25 10:50:07

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

another one of those “Thailand” posts

Ok so I’m back to scheming about getting the best exchange rates for my Australian money in Thailand. Obviously, cash is always best ... advances on my credit card and then pay it back to the card pronto pronto to avoid interest charges ... , with 20,000 baht, they make 728 baht, or 3%. To compare that with regular purchases on my credit card [more...]

Date: 2009-01-16 02:29:06

Weekly Roundup - The Internet is Dead Edition

We just got back from vacation today and I was delighted to find that our internet is down due to a dead DSL modem. I’ve been in touch with AT&T ( ... … Credit Card Addict covered what merchants can and cannot do when it comes to limiting the acceptance of credit cards. Ben talked about saving money on gas. I’ve recently written up some gas saving [more...]

Date: 2008-06-29 22:35:55

Turning Attention to Christmas Bills

When I was a kid I remember being so depressed the day after Christmas, knowing Santa would not make a return trip for some 364 days ... and pen, and listing each of your credit cards.  Update each card’s balance with current information ... -in-law” syndrome. The symptoms include overspending around the holidays in an effort to impress [more...]

Date: 2008-12-26 14:07:19

Say Goodbye To Plastic

Nouriel Roubini has been the most prominent Cassandra for the financial crisis, ... that I introduce her newest prediction: the severe curtailing of credit card lines. It would definitely make sense as banks haven’t been keeping credit card debt on their books, but instead turning them [more...]

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

Arrests: Gavin Grant, assault with handy tool, Cherry Hospital beating, bus crash

Former NC State basketball standout Gavin Grant was charged with fraud as part of a credit card scheme at Triangle Town Center ... credit card fraud.  N&O Trumeka Deon Wilson was charged with misdemeanor death by motor vehicle [more...]

Date: 2009-01-15 18:59:32

Debt Elimination

Debt Elimination Almost all employees I know have at least one or two credit cards which they use for buying clothes, groceries and many other things. It’s been a practice to use credit card payments ... rates. If everything fails then seek help from debt consolidation company who will advice you on so many [more...]

Date: 2008-09-04 13:19:08

Expert Explains Why E-Books Are So Expensive

What's a fair price for a digital book? ... % is the retailer. So when you add in (lets use a round number) 5% for credit card processing ... more) of list price. The credit card processors, even with micropayments, take 3-6% of the sales price [more...]

Date: 2009-01-13 17:23:32

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