Accept Credit Card On Your Site
By Shane Penrod
If you own a company Website, are you ready to accept credit
card on your site payments? This is a great way to grow your
client base, increase sales, and reduce overhead costs. If you
don’t already have a Website with credit card processing
capability, now is the time to check into it and start taking
advantage of the convenience and ease of this method of sales.
When you accept credit card on your site payments, your
customers will appreciate the speed and ease with which they
can process a payment. They also will value the flexibility of
shopping hours, availability of information, and sensible
pricing since you need not add overhead fees to the prices of
your goods and services. Internet sales and marketing is
becoming the number one way to do business around the world, so
if you are not yet accepting credit card processing, you should
check into this option in the near future.
To accept credit card on your site transactions, you will need
to apply for a merchant account. When approved by a bank or
lending institution, this account will allow you to set up
credit card processing services at your place of business, in
your company vehicle with a wireless credit processor, or on
your company Website. The application part is easy; just fill
out an application online, submit it with a click, and wait for
the results, which often are returned in a matter of hours by
e-mail. Try to avoid paying an application fee, which is
required by some lenders, unless the lender or the available
deal is one that will best suit your business needs. Then
follow your business plan to buy only what you need in terms of
credit processing equipment to help you get started in accepting
credit payments. For a company with a physical location, a
simple credit card processor with a combined terminal and
printer, costing a few hundred dollars, may be a good start-up
option. Check into monthly transaction fees, maintenance or
service costs, and annual membership fees, if applicable, to
get the best deal for your company. If you are a mobile
consultant, you can get a wireless unit to take with you so
that you can process customer credit payments at other
locations.
Another way to accept credit card payments is through a company
Website. This is one of the most popular options available
today, and more companies are headed in this direction. You
will need to register a domain name, contract a monthly fee
with a hosting site, and pay someone to design and maintain
your site unless you can do this yourself. Your merchant
services account will let you add credit card processing
features so that customers can browse anytime they like and
purchase when they are ready. No longer will they have to stop
by a company during office hours or wait for the assistance of
a sales assistance. Online shopping is a fast-growing market
for consumers everywhere today. Start browsing merchant account
services today to find one that can offer the best deal to help
you accept credit card on your site processing.
About the Author: Shane Penrod is the founder of
Merchant-Account-Quotes.com Specializing in allowing merchants
the ability to shop and compare multiple quotes from national
merchant account providers. For free quotes on merchant account
rates and fees, please go to
http://www.merchant-account-quotes.com
Source: http://www.isnare.com
Monday, April 30, 2007
Saturday, April 28, 2007
Credit Card Machines 802 Site
A Quick Guide To Credit Card Machines
By Jake Atkinson
We’ve come a long way since the first credit card machine was
launched in the market. Today there are different types of
credit card machines, and you can choose the one that is best
suited to your business needs.
The Wireless Credit Card Machine: For a mobile business, a
wireless credit card machine is the best option. The wireless
model is the most advanced credit card processing machine
available today, and also the most expensive one. It is
important to remember, however, that the area where you plan to
use the machine should have sufficient cellular coverage if you
decide to go the wireless route.
Credit Card Terminals That Can Handle Multiple Merchant
Accounts: Your business needs may require you to maintain
separate accounts for separate employees/service providers. For
such businesses, the multiple merchant accounts option is a
sensible one. The most commonly used credit card terminals that
can handle multiple merchant accounts include Nurit 2085, Nurit
3020, Nurit 3010, Nurit 8000, Omni 3750, Omni 3740, and the
Verifone Tranz 380x2.
The Terminal Without An Attached Printer: These machines
(without printers) are commonly used when mail ordering or
phone ordering is involved. When the business is run in a
mobile environment, and the credit card number is called in to
a central location where the number is keyed in, then too,
machines without printers are often used. Also, when your
business is a mobile one (landscaping, plumbing, locksmith),
yet the wireless machine is not feasible for you, then this
option is a very effective one. The printer-less credit card
machines are very cost-effective – prices can range from
$200.00 - $450.00 for a new machine, and $150.00 - $300.00 for
a refurbished unit. The Verifone Tranz 330 and Verifone Tranz
380 are two of the most popular machines in this category.
The Terminal With An Attached Printer: For your retail
business, this machine, which includes an integrated impact or
thermal printer, lets you issue a receipt to the customer at
the time of the sale. Also, in this category you can purchase
machines that have built in pinpads. It makes sense to have
this feature, because it lets you accept debit cards without
purchasing a separate pinpad. Though machines with integrated
printers are slightly more expensive that the credit card
processing machines that don't have attached printers, they are
priced reasonably. The price ranges from around $275 - $900,
depending on the model and features. The most widely used
terminals in this category include the Hypercom T7 Plus, the
Nurit 2085, and the Verifone Omni 3200se. If you are looking
for integrated pinpads in the machine (that let you process
debit cards without purchasing separate pinpads), you can
select from the Nurit 2085 Plus, Nurit 8320, and the Omni
3210se.
About the Author: Jake Atkinson recommends
http://www.merchantequip.com/creditcardmachines.php for more
information on credit card machines.
Source: http://www.isnare.com
By Jake Atkinson
We’ve come a long way since the first credit card machine was
launched in the market. Today there are different types of
credit card machines, and you can choose the one that is best
suited to your business needs.
The Wireless Credit Card Machine: For a mobile business, a
wireless credit card machine is the best option. The wireless
model is the most advanced credit card processing machine
available today, and also the most expensive one. It is
important to remember, however, that the area where you plan to
use the machine should have sufficient cellular coverage if you
decide to go the wireless route.
Credit Card Terminals That Can Handle Multiple Merchant
Accounts: Your business needs may require you to maintain
separate accounts for separate employees/service providers. For
such businesses, the multiple merchant accounts option is a
sensible one. The most commonly used credit card terminals that
can handle multiple merchant accounts include Nurit 2085, Nurit
3020, Nurit 3010, Nurit 8000, Omni 3750, Omni 3740, and the
Verifone Tranz 380x2.
The Terminal Without An Attached Printer: These machines
(without printers) are commonly used when mail ordering or
phone ordering is involved. When the business is run in a
mobile environment, and the credit card number is called in to
a central location where the number is keyed in, then too,
machines without printers are often used. Also, when your
business is a mobile one (landscaping, plumbing, locksmith),
yet the wireless machine is not feasible for you, then this
option is a very effective one. The printer-less credit card
machines are very cost-effective – prices can range from
$200.00 - $450.00 for a new machine, and $150.00 - $300.00 for
a refurbished unit. The Verifone Tranz 330 and Verifone Tranz
380 are two of the most popular machines in this category.
The Terminal With An Attached Printer: For your retail
business, this machine, which includes an integrated impact or
thermal printer, lets you issue a receipt to the customer at
the time of the sale. Also, in this category you can purchase
machines that have built in pinpads. It makes sense to have
this feature, because it lets you accept debit cards without
purchasing a separate pinpad. Though machines with integrated
printers are slightly more expensive that the credit card
processing machines that don't have attached printers, they are
priced reasonably. The price ranges from around $275 - $900,
depending on the model and features. The most widely used
terminals in this category include the Hypercom T7 Plus, the
Nurit 2085, and the Verifone Omni 3200se. If you are looking
for integrated pinpads in the machine (that let you process
debit cards without purchasing separate pinpads), you can
select from the Nurit 2085 Plus, Nurit 8320, and the Omni
3210se.
About the Author: Jake Atkinson recommends
http://www.merchantequip.com/creditcardmachines.php for more
information on credit card machines.
Source: http://www.isnare.com
Friday, April 27, 2007
Credit Card Machines 802 Site
Credit Card Security Measures
By Jeff Lakie
The chip and pin security features that credit cards offer is a very secure and simple integration that makes using a credit card safer and easier. This security works in way that allows the user to enter a PIN (personal identification number) during checkout. This is a wonderful security feature because with chip and pin security the instances of forged signatures will be drastically reduced. Too often retailers fail to make the effort of comparing signatures during check out, with this security feature without knowing the PIN a purchase cannot be made. CPS is excellent because even if your card were to become lost or stolen, unauthorized purchases could not me made since they would not know the PIN.
The credit cards that have implemented this feature, embed a chip directly into the card. This chip contains the PIN within it, when you arrive at any establishment in person, to make a purchase you will be required to enter the pin into a number pad provided to you at check out by the retailer. The credit card machine will then confirm that the chip has the same number embedded as the one you provided.
One specific drawback of the chip and pin security is that the added security does not prevent unauthorized withdrawals at an ATM. Even though a stolen card would be difficult to use in a retail setting for purchases, the added security will not apply to a thief wanting to withdrawal money using the cash machine. Additionally, not all retailers have adapted to this new security. At some retailers the chip and pin security will not make a difference, you may still be required to sign a receipt.
These new security features with a credit card, once adapted by all retailers will be an excellent deterrent for theft of credit cards, as well as identity theft. The instances of unauthorized purchases and credit card thefts will decrease in a dramatic way, especially if they can somehow implement the security feature for ATM withdrawals and online purchases. The chip and pin security only seems to work with retailers that have the system adapted into their own machines. It does not work with ATMS or online retail settings because the card must actually be swiped and read.
Implementing the security feature to work with these settings will be an excellent method of theft deterrent and add additional safety to our world.
Jeff Lakie is a leading writer at the
Bad credit loans uk website. Stop by today for additional information.
Article Source: http://EzineArticles.com/?expert=Jeff_Lakie
http://EzineArticles.com/?Credit-Card-Security-Measures&id=171722
By Jeff Lakie
The chip and pin security features that credit cards offer is a very secure and simple integration that makes using a credit card safer and easier. This security works in way that allows the user to enter a PIN (personal identification number) during checkout. This is a wonderful security feature because with chip and pin security the instances of forged signatures will be drastically reduced. Too often retailers fail to make the effort of comparing signatures during check out, with this security feature without knowing the PIN a purchase cannot be made. CPS is excellent because even if your card were to become lost or stolen, unauthorized purchases could not me made since they would not know the PIN.
The credit cards that have implemented this feature, embed a chip directly into the card. This chip contains the PIN within it, when you arrive at any establishment in person, to make a purchase you will be required to enter the pin into a number pad provided to you at check out by the retailer. The credit card machine will then confirm that the chip has the same number embedded as the one you provided.
One specific drawback of the chip and pin security is that the added security does not prevent unauthorized withdrawals at an ATM. Even though a stolen card would be difficult to use in a retail setting for purchases, the added security will not apply to a thief wanting to withdrawal money using the cash machine. Additionally, not all retailers have adapted to this new security. At some retailers the chip and pin security will not make a difference, you may still be required to sign a receipt.
These new security features with a credit card, once adapted by all retailers will be an excellent deterrent for theft of credit cards, as well as identity theft. The instances of unauthorized purchases and credit card thefts will decrease in a dramatic way, especially if they can somehow implement the security feature for ATM withdrawals and online purchases. The chip and pin security only seems to work with retailers that have the system adapted into their own machines. It does not work with ATMS or online retail settings because the card must actually be swiped and read.
Implementing the security feature to work with these settings will be an excellent method of theft deterrent and add additional safety to our world.
Jeff Lakie is a leading writer at the
Bad credit loans uk website. Stop by today for additional information.
Article Source: http://EzineArticles.com/?expert=Jeff_Lakie
http://EzineArticles.com/?Credit-Card-Security-Measures&id=171722
Wednesday, April 25, 2007
Credit Card Machines 802 Site
How Your Credit Card Info Can Be Stolen By Identity Thieves
By Joseph Ducat
There are a number of situations when you are vulnerable to having your credit card information stolen by credit card thieves. Here are a few of them and how to avoid getting victimized.
Buying Gas - There have been cases where hackers have planted a software “bug” in a gas station machine used to process the credit card payments. The bug then captures any credit card information that is entered. It is not known how widespread this kind of crime is, but a number of cases have been recorded. There is no way for you to tell whether the credit card machine has a bug in it or not. The problem is in the software inside which you cannot see. If you are concerned that your credit card information can be stolen this way, and want to play it safe, then your best approach would be to pay for gas in cash. It is also safer to pay with a gas card rather than using a credit card.
Dining at a Restaurant - Most waiters and waitresses will not be out to steal your credit card information, but if any of them do, there are a number of ways that they can do it. In the first place, if a waiter takes your credit card to bring to the cashier, there is a chance that he may take the credit card information when the card is not in your view, possibly by using an electronic device known as a skimmer. Also, sometimes you may be given a card that is not yours, but looks similar, leaving your card behind where it can be vulnerable to identity thieves. This is a less likely approach as it is easily discovered, but nevertheless, you should always check to see whether the credit card you get back is actually yours. And mistakes are always possible. If you do not want to let your credit card out of your sight, then you should just go to the cashier to make your payment, no matter what other people in the restaurant may think.
Paying at the Cashier - There are email stories about people who pay with a credit or debit card, and the person taking it secretly takes a picture of the card using a camera phone. Although the stories may not be true, such a scam is at least technologically possible. You should always be alert when you are paying with a credit card. Take care that no one nearby is stealing glances at your credit card. Don’t bother to look for a camera--if it is there, you will not see it anyway. Instead, wait for the cashier to ask for your payment and hand it directly to him or her. Don’t just place it on the counter. And don’t let the card out of your sight. Make sure you can see what the cashier is doing with your card.
What Steps Can You Take To Prevent Identity Fraud? Find out with the articles on identity theft available at http://identitytheft.i-know.info
Article Source: http://EzineArticles.com/?expert=Joseph_Ducat
http://EzineArticles.com/?How-Your-Credit-Card-Info-Can-Be-Stolen-By-Identity-Thieves&id=461414
By Joseph Ducat
There are a number of situations when you are vulnerable to having your credit card information stolen by credit card thieves. Here are a few of them and how to avoid getting victimized.
Buying Gas - There have been cases where hackers have planted a software “bug” in a gas station machine used to process the credit card payments. The bug then captures any credit card information that is entered. It is not known how widespread this kind of crime is, but a number of cases have been recorded. There is no way for you to tell whether the credit card machine has a bug in it or not. The problem is in the software inside which you cannot see. If you are concerned that your credit card information can be stolen this way, and want to play it safe, then your best approach would be to pay for gas in cash. It is also safer to pay with a gas card rather than using a credit card.
Dining at a Restaurant - Most waiters and waitresses will not be out to steal your credit card information, but if any of them do, there are a number of ways that they can do it. In the first place, if a waiter takes your credit card to bring to the cashier, there is a chance that he may take the credit card information when the card is not in your view, possibly by using an electronic device known as a skimmer. Also, sometimes you may be given a card that is not yours, but looks similar, leaving your card behind where it can be vulnerable to identity thieves. This is a less likely approach as it is easily discovered, but nevertheless, you should always check to see whether the credit card you get back is actually yours. And mistakes are always possible. If you do not want to let your credit card out of your sight, then you should just go to the cashier to make your payment, no matter what other people in the restaurant may think.
Paying at the Cashier - There are email stories about people who pay with a credit or debit card, and the person taking it secretly takes a picture of the card using a camera phone. Although the stories may not be true, such a scam is at least technologically possible. You should always be alert when you are paying with a credit card. Take care that no one nearby is stealing glances at your credit card. Don’t bother to look for a camera--if it is there, you will not see it anyway. Instead, wait for the cashier to ask for your payment and hand it directly to him or her. Don’t just place it on the counter. And don’t let the card out of your sight. Make sure you can see what the cashier is doing with your card.
What Steps Can You Take To Prevent Identity Fraud? Find out with the articles on identity theft available at http://identitytheft.i-know.info
Article Source: http://EzineArticles.com/?expert=Joseph_Ducat
http://EzineArticles.com/?How-Your-Credit-Card-Info-Can-Be-Stolen-By-Identity-Thieves&id=461414
Wednesday, April 18, 2007
Credit Card Machines 802 site
Avoiding Credit Card Traps
By James Dimmitt
The next time you open your credit card statement, take a
closer look at the small insert titled “changes to your credit
card agreement”. You know the one I’m speaking about. It’s
that small, folded paper written in legalese that you promise
to read some other time (but of course that time never comes)
or you just discard it with the other “junk” inserts.
First and foremost you must understand that using your credit
card after you’ve received this notification results in your
automatic “agreement” to the new terms in the notice. To
prevent these new terms from affecting your account you must
stop using that credit card immediately or by the date given in
the notification statement.
The most common modifications to credit card agreements include
new APR’s (annual percentage rates), new fees and/or changes to
existing fees, or a change to the grace period on your account.
The grace period is the number of days during which any credit
used for purchases may be repaid in full without incurring a
finance charge.
Not knowing or not keeping track of the dollar amount limit on
your card is another trap you should avoid. Credit card
issuers will allow you to charge a small amount over the limit
set on your account. However, don’t be surprised when you get
hit with an “over limit fee”, usually around $35.00 or higher,
on your next statement. Also, be prepared for your APR to be
increased if you go over your credit limit.
You’ll also trigger an increase to your interest rate if you
miss your payment due date. Some companies consider your
payment late if not received by noon or 1 p.m. on the date due.
Along with the higher rate, you’ll also pay a “late fee” of $29
on up. Be sure to use the company’s preprinted envelope when
sending your payment. These envelopes allow the pre-printed
bar code to be scanned by the post office so that it can be
delivered more efficiently.
If you’ve counted on those few extra days from the time you
mail your check and the time the check clears your bank,
beware! Many credit card issuers have switched from the
traditional method of processing checks to a new electronic
process. This new system shaves off a day or more from the
traditional method it normally takes for your check to clear by
electronically debiting your account.
If you’re considering paying your credit card bills online,
check to see if any additional fees will be charged for using
this type of payment. I recently received an e-mail message
from one of my credit card companies announcing how easy it
would be to make my payments online. Included in fine print at
the bottom of the e-mail was this note - “A fee of up to $14.95
may be charged for this service and will be deducted from your
checking account”. Hmmm, spend 37 cents on postage and mail my
payment five days before the due date or pay now and get charged
an additional $14.95 fee? I’ll bet you can guess which choice I
made.
Taking the time to carefully read and understand your credit
card agreement now will help you save money by avoiding
unnecessary fees or climbing interest rates later down the
road.
About the Author: © 2005,
http://www.yourfreecreditreportnow.com Author: James H. Dimmitt
James is editor of “To Your Credit” a FREE weekly newsletter
focusing on managing your personal finances and credit.
Subscribe and get a FREE copy of your credit report when you
visit: http://www.yourfreecreditreportnow.com
Source: http://www.isnare.com
By James Dimmitt
The next time you open your credit card statement, take a
closer look at the small insert titled “changes to your credit
card agreement”. You know the one I’m speaking about. It’s
that small, folded paper written in legalese that you promise
to read some other time (but of course that time never comes)
or you just discard it with the other “junk” inserts.
First and foremost you must understand that using your credit
card after you’ve received this notification results in your
automatic “agreement” to the new terms in the notice. To
prevent these new terms from affecting your account you must
stop using that credit card immediately or by the date given in
the notification statement.
The most common modifications to credit card agreements include
new APR’s (annual percentage rates), new fees and/or changes to
existing fees, or a change to the grace period on your account.
The grace period is the number of days during which any credit
used for purchases may be repaid in full without incurring a
finance charge.
Not knowing or not keeping track of the dollar amount limit on
your card is another trap you should avoid. Credit card
issuers will allow you to charge a small amount over the limit
set on your account. However, don’t be surprised when you get
hit with an “over limit fee”, usually around $35.00 or higher,
on your next statement. Also, be prepared for your APR to be
increased if you go over your credit limit.
You’ll also trigger an increase to your interest rate if you
miss your payment due date. Some companies consider your
payment late if not received by noon or 1 p.m. on the date due.
Along with the higher rate, you’ll also pay a “late fee” of $29
on up. Be sure to use the company’s preprinted envelope when
sending your payment. These envelopes allow the pre-printed
bar code to be scanned by the post office so that it can be
delivered more efficiently.
If you’ve counted on those few extra days from the time you
mail your check and the time the check clears your bank,
beware! Many credit card issuers have switched from the
traditional method of processing checks to a new electronic
process. This new system shaves off a day or more from the
traditional method it normally takes for your check to clear by
electronically debiting your account.
If you’re considering paying your credit card bills online,
check to see if any additional fees will be charged for using
this type of payment. I recently received an e-mail message
from one of my credit card companies announcing how easy it
would be to make my payments online. Included in fine print at
the bottom of the e-mail was this note - “A fee of up to $14.95
may be charged for this service and will be deducted from your
checking account”. Hmmm, spend 37 cents on postage and mail my
payment five days before the due date or pay now and get charged
an additional $14.95 fee? I’ll bet you can guess which choice I
made.
Taking the time to carefully read and understand your credit
card agreement now will help you save money by avoiding
unnecessary fees or climbing interest rates later down the
road.
About the Author: © 2005,
http://www.yourfreecreditreportnow.com Author: James H. Dimmitt
James is editor of “To Your Credit” a FREE weekly newsletter
focusing on managing your personal finances and credit.
Subscribe and get a FREE copy of your credit report when you
visit: http://www.yourfreecreditreportnow.com
Source: http://www.isnare.com
Tuesday, April 17, 2007
Credit Card Machines 802 site
Poor Credit Score? Find The Best Bad Credit Card
By Adam Goldman
Having a poor credit rating can seriously limit your choices of
credit cards. Most credit card companies are likely to turn down
your applications, making things tough for you at a time when
you most need a credit card. Fortunately though, that’s not the
end of it as you have another option of bad credit cards.
Naturally, this is a temporary solution until you can get back
on your feet. Bad credit cards can also be used to help you
improve your credit score, as long as you pay your credit card
bills on time, that is. The only drawback to this would
obviously be the higher than usual APR interests.
Nevertheless, if you are willing to provide collateral to the
credit card company, you may qualify for a secured bad credit
card with a lower APR. This way, you can still earn interests
on your collateral, and simultaneously enjoy good rates. The
downside is, you may be charged other fees such as annual fees
or start up fees.
Before you apply for a bad credit card, it is prudent to do
your homework first. As bad credit cards are usually offered to
those with poor credit ratings, the APR would unlikely be low.
Thus, comparing the various offers of bad credit cards out
there would be a wise move.
One of the primary factors of consideration includes the
upfront fees that credit card companies would charge you. In
order to make a wise evaluation, it’s best that you have a plan
to pay off your debt before your interests snowball. Other
factors that you can use to help you make a better decision
would be to analyze the reward programs that your bad credit
card can offer. If you are entitled for retail discounts at
specific retail stores when you charge to your bad credit card,
this would be even more enticing.
With all these factors to consider, it is clear that you should
look around before you apply for a bad credit card. Compare and
contrast the various fees and rates of the candidate companies.
Only after careful consideration should you take the next move
and submit your application.
About the Author: Adam Goldman recommends Find Credit Cards for
finding the best bad credit card. See
http://www.findcreditcards.org/type/bad-credit.php for more
information.
Source: http://www.isnare.com
By Adam Goldman
Having a poor credit rating can seriously limit your choices of
credit cards. Most credit card companies are likely to turn down
your applications, making things tough for you at a time when
you most need a credit card. Fortunately though, that’s not the
end of it as you have another option of bad credit cards.
Naturally, this is a temporary solution until you can get back
on your feet. Bad credit cards can also be used to help you
improve your credit score, as long as you pay your credit card
bills on time, that is. The only drawback to this would
obviously be the higher than usual APR interests.
Nevertheless, if you are willing to provide collateral to the
credit card company, you may qualify for a secured bad credit
card with a lower APR. This way, you can still earn interests
on your collateral, and simultaneously enjoy good rates. The
downside is, you may be charged other fees such as annual fees
or start up fees.
Before you apply for a bad credit card, it is prudent to do
your homework first. As bad credit cards are usually offered to
those with poor credit ratings, the APR would unlikely be low.
Thus, comparing the various offers of bad credit cards out
there would be a wise move.
One of the primary factors of consideration includes the
upfront fees that credit card companies would charge you. In
order to make a wise evaluation, it’s best that you have a plan
to pay off your debt before your interests snowball. Other
factors that you can use to help you make a better decision
would be to analyze the reward programs that your bad credit
card can offer. If you are entitled for retail discounts at
specific retail stores when you charge to your bad credit card,
this would be even more enticing.
With all these factors to consider, it is clear that you should
look around before you apply for a bad credit card. Compare and
contrast the various fees and rates of the candidate companies.
Only after careful consideration should you take the next move
and submit your application.
About the Author: Adam Goldman recommends Find Credit Cards for
finding the best bad credit card. See
http://www.findcreditcards.org/type/bad-credit.php for more
information.
Source: http://www.isnare.com
Monday, April 16, 2007
Credit Card Machines 802 site
Benefits From Having a Credit Card
By Rudy Hadisentosa
Credit cards, or plastic money, are the most popular mode of payment today. Most of us didn't probably realize how quickly that small piece of plastic took its place in our world (and our wallet). So what is it that makes credit cards so indispensable for all and sundry? Let's examine a few factors here:
1. A matter of convenience Yes, this is the most important factor. Imagine stashing cash in all your pockets as against just a small piece of plastic. If you don't have the convenience of a credit card, you might end up dressing up for shopping in a way so as to maximize the pockets in which you can carry cash. With all that cash stashed everywhere on you, even your body movements get restricted hence causing even more inconvenience.
2. Safety As they say, carrying a lot of cash on you is never safe. This becomes even more important when you are traveling to far off destinations.Cash is not only easily visible from the bulge in your pockets but also the most liquid form of money i.e. stolen cash can be easily used without detection. Contrary to this, credit cards transactions are detectable and traceable. Moreover, each transaction is authenticated for the user who is carrying out the transaction. More so, cash can invite trouble in the form of muggers and more that just the money lead to physical harm as well. So it's even more prudent to avoid the display of cash and instead use plastic as a substitute.
3. Necessity Yes, though a bit unbelievable, it's true that the credit cards are a necessity in some cases. Buying air tickets online to get good deals or booking an accommodation or a rental car when traveling are examples wherein you cannot get the service unless you book using your credit card.
4. Planning budgets "Buy now, pay later with no interest", this is what it is popularly known as. You will find such adverts every where, be it your local stores or online shopping. What this means is that you can buy an item of $5000 today and pay for it in 10 equal installments of $500 each (can be up to 24 equal installments or more). Thus you don't have to dole out the entire amount at one go and can plan your expenditures more effectively, that too without any interest charges.
5. Rescuer in financially tight situations There are times when you need some extra cash immediately. In such emergency situations, when you don't have sufficient cash you can go on credit by using your credit card. Most credit cards provide up to 50 days of interest free credit.
6. Build credit rating Credit cards are a good way to establish your credit worthiness in the market. Based on whether you make timely payments or default on them, the credit card companies maintain your history and build your credit rating over a period of time. This can be shared with other financial institutions who want to check your credit worthiness before conducting financial transactions with you. This rating can also become handy when you are applying for loans or mortgages.
7. Saves time No need to worry about whether you have enough cash on hand or not. No need to spend time withdrawing cash from the ATM (or day/night cash machines). Just carry your credit card with you and all is taken care of.
8. Saves Money A lot of service providers give handsome discounts when you subscribe online or buy stuff online. This is because they would save on commission to agents and on costs of employing additional sales representatives, if everyone started shopping in person. These discounts are available from your airlines to your phone service provider or your internet connection provider.
9. Insurance Most credit card companies provide you free travel and accident insurance on your credit cards. Though this is limited and you could prefer to go for personal insurance, this can become handy at some odd times.
10. Fall back option when overseas You can treat your credit card as a supplementary source of money when overseas (i.e. if you don't want to treat credit card as your primary source in order to avoid paying commission etc on overseas credit card transactions). So, when you run out of cash or traveler's cheques you can rely on your credit card as a fallback option. Thus, your credit card can act as your savior in such situations. With so many benefits on the rack, credit cards are something that one cannot (rather should not) avoid. In fact credit cards are truly a necessity in today's world.
Rudy Hadisentosa: CCN.com is a free online credit cards review
and application website. We offer credit cards selection from
visa, master cards, discover, american express, and many others. We have quite some categories and hundreds of credit cards selection to fit your need. Apply for a credit card at CCN.com.
Article Source: http://EzineArticles.com/?expert=Rudy_Hadisentosa
http://EzineArticles.com/?Benefits-From-Having-a-Credit-Card&id=93420
By Rudy Hadisentosa
Credit cards, or plastic money, are the most popular mode of payment today. Most of us didn't probably realize how quickly that small piece of plastic took its place in our world (and our wallet). So what is it that makes credit cards so indispensable for all and sundry? Let's examine a few factors here:
1. A matter of convenience Yes, this is the most important factor. Imagine stashing cash in all your pockets as against just a small piece of plastic. If you don't have the convenience of a credit card, you might end up dressing up for shopping in a way so as to maximize the pockets in which you can carry cash. With all that cash stashed everywhere on you, even your body movements get restricted hence causing even more inconvenience.
2. Safety As they say, carrying a lot of cash on you is never safe. This becomes even more important when you are traveling to far off destinations.Cash is not only easily visible from the bulge in your pockets but also the most liquid form of money i.e. stolen cash can be easily used without detection. Contrary to this, credit cards transactions are detectable and traceable. Moreover, each transaction is authenticated for the user who is carrying out the transaction. More so, cash can invite trouble in the form of muggers and more that just the money lead to physical harm as well. So it's even more prudent to avoid the display of cash and instead use plastic as a substitute.
3. Necessity Yes, though a bit unbelievable, it's true that the credit cards are a necessity in some cases. Buying air tickets online to get good deals or booking an accommodation or a rental car when traveling are examples wherein you cannot get the service unless you book using your credit card.
4. Planning budgets "Buy now, pay later with no interest", this is what it is popularly known as. You will find such adverts every where, be it your local stores or online shopping. What this means is that you can buy an item of $5000 today and pay for it in 10 equal installments of $500 each (can be up to 24 equal installments or more). Thus you don't have to dole out the entire amount at one go and can plan your expenditures more effectively, that too without any interest charges.
5. Rescuer in financially tight situations There are times when you need some extra cash immediately. In such emergency situations, when you don't have sufficient cash you can go on credit by using your credit card. Most credit cards provide up to 50 days of interest free credit.
6. Build credit rating Credit cards are a good way to establish your credit worthiness in the market. Based on whether you make timely payments or default on them, the credit card companies maintain your history and build your credit rating over a period of time. This can be shared with other financial institutions who want to check your credit worthiness before conducting financial transactions with you. This rating can also become handy when you are applying for loans or mortgages.
7. Saves time No need to worry about whether you have enough cash on hand or not. No need to spend time withdrawing cash from the ATM (or day/night cash machines). Just carry your credit card with you and all is taken care of.
8. Saves Money A lot of service providers give handsome discounts when you subscribe online or buy stuff online. This is because they would save on commission to agents and on costs of employing additional sales representatives, if everyone started shopping in person. These discounts are available from your airlines to your phone service provider or your internet connection provider.
9. Insurance Most credit card companies provide you free travel and accident insurance on your credit cards. Though this is limited and you could prefer to go for personal insurance, this can become handy at some odd times.
10. Fall back option when overseas You can treat your credit card as a supplementary source of money when overseas (i.e. if you don't want to treat credit card as your primary source in order to avoid paying commission etc on overseas credit card transactions). So, when you run out of cash or traveler's cheques you can rely on your credit card as a fallback option. Thus, your credit card can act as your savior in such situations. With so many benefits on the rack, credit cards are something that one cannot (rather should not) avoid. In fact credit cards are truly a necessity in today's world.
Rudy Hadisentosa: CCN.com is a free online credit cards review
and application website. We offer credit cards selection from
visa, master cards, discover, american express, and many others. We have quite some categories and hundreds of credit cards selection to fit your need. Apply for a credit card at CCN.com.
Article Source: http://EzineArticles.com/?expert=Rudy_Hadisentosa
http://EzineArticles.com/?Benefits-From-Having-a-Credit-Card&id=93420
Saturday, April 14, 2007
Credit Card Machines 802 site
Credit Card Processing Software
By Thomas Morva
Nowadays, businesses, especially those that sell products and services online, should ensure that they are able to accept credit card payments from their customers. This is because given that most people are now very comfortable in using their credit card to pay for online purchases, businesses that do not accept credit card payments risk losing sales. The good news is that for businesses that wish to accept credits card payments; the tools that they need to do so are readily available from various sources, which includes merchant account providers, which play a major role in credit card payment processing. However, an Internet merchant account is not the only tool that online businesses need to be able to accept credit card payments, as there are also other equally important tools involved in credit card payment processing.
Software for credit card payment processing
Apart from Internet merchant accounts, there are other equally important tools that business owners use to help them accept credit card payments on their websites. Examples of these include software that helps in accepting and processing credit card payments. Some of the most commonly used software include IC Verify, PCAuthorize, and MacAuthorize, which are required in processing credit card payments. Another type of software that business owners could install on their website is the software that provides their customers with a shopping cart option, which allows them to keep track of their purchases that they have made so far. One of the most commonly used shopping cart software is Kickstart Cart, which is considered as one of the most convenient shopping cart software in the market today.
However, when installing shopping cart options on their websites, business owners should try as much as possible to use software that are very easy to use and which do not require many steps to use. This is because customers tend to get annoyed with shopping carts that requires too many steps to use and they may opt to go to other websites instead.
Apart from setting up an Internet merchant account, business owners also need to use other equally important tools that can help them accept credit card payment through their websites. Some of these include software that allows their customers to make purchases online. However, in picking the software that they would install on their websites, business owners need to make sure that the software they use are very user-friendly, as this can help them make the process of making online purchases more convenient for their customers.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Credit-Card-Processing-Software&id=255747
By Thomas Morva
Nowadays, businesses, especially those that sell products and services online, should ensure that they are able to accept credit card payments from their customers. This is because given that most people are now very comfortable in using their credit card to pay for online purchases, businesses that do not accept credit card payments risk losing sales. The good news is that for businesses that wish to accept credits card payments; the tools that they need to do so are readily available from various sources, which includes merchant account providers, which play a major role in credit card payment processing. However, an Internet merchant account is not the only tool that online businesses need to be able to accept credit card payments, as there are also other equally important tools involved in credit card payment processing.
Software for credit card payment processing
Apart from Internet merchant accounts, there are other equally important tools that business owners use to help them accept credit card payments on their websites. Examples of these include software that helps in accepting and processing credit card payments. Some of the most commonly used software include IC Verify, PCAuthorize, and MacAuthorize, which are required in processing credit card payments. Another type of software that business owners could install on their website is the software that provides their customers with a shopping cart option, which allows them to keep track of their purchases that they have made so far. One of the most commonly used shopping cart software is Kickstart Cart, which is considered as one of the most convenient shopping cart software in the market today.
However, when installing shopping cart options on their websites, business owners should try as much as possible to use software that are very easy to use and which do not require many steps to use. This is because customers tend to get annoyed with shopping carts that requires too many steps to use and they may opt to go to other websites instead.
Apart from setting up an Internet merchant account, business owners also need to use other equally important tools that can help them accept credit card payment through their websites. Some of these include software that allows their customers to make purchases online. However, in picking the software that they would install on their websites, business owners need to make sure that the software they use are very user-friendly, as this can help them make the process of making online purchases more convenient for their customers.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Credit-Card-Processing-Software&id=255747
Friday, April 13, 2007
Credit Card Machines 802 site
Does Free Credit Card Processing Exist
By Sara K
Many 3rd party credit card companies boast about providing merchants with free credit card processing services. Tempting merchants with a free credit card processing service, they brag about accepting credit cards online on behalf of the merchants, with low processing fees, extra costs etc.
What the Free Credit Card Companies boast about
Many 3rd party processing companies say that they would provide merchants with:
* Least expensive ways to sell products online
* Easy way to earn profits
* Free credit card processing services without a merchant account
* Free credit card processing terminal
* Real-time acceptance of credit cards online
* Offering too-good-to-be-true referral programs
* Recurring billing and lofty affiliate management programs.
Free Credit Card Processing – Long Term Benefits?
Free credit card processing might help businessmen promote their website and products for a while, especially if they are only just starting up, but there are no real long term benefits. Merchants initially don’t have to pay for secure servers, monthly gateway fees, credit card processing fees etc. However, the transaction charges are usually so high that merchants end up paying more than the average rate.
Setbacks of Free Credit Card Processing
There are many free credit card processing service providers who claim to give away free services. However, as always there is a catch! There will be payment processing charges such as merchant account registration fee, “high risk” merchant fee, statements fees, monthly fees, wire fees and fraud prevention fees etc. What merchants can do to avoid becoming victims of such ‘free’ programs is to read the privacy policy and terms/conditions on the website for the certain program, or ask more experienced and trusted business owners regarding such companies. This will save merchants the hassle and loss liable to occur once trapped for the free credit card processing.
Credit card processing offered by some companies might initially be free but there are other hidden charges and setbacks which the potential victim might not know about, in such a situation only extensive research and precaution can help avoid one from becoming the next prey of ‘free’ credit card processing.
At http://www.instabill.com we provide our merchant account holders with the most reliable credit card processing services. Whether you have a high risk merchant account or an offshore merchant account, our credit card processors are safe, reliable and secure, that is why merchants worldwide trust us merchant account services.
Article Source: http://EzineArticles.com/?expert=Sara_K
http://EzineArticles.com/?Does-Free-Credit-Card-Processing-Exist&id=379209
By Sara K
Many 3rd party credit card companies boast about providing merchants with free credit card processing services. Tempting merchants with a free credit card processing service, they brag about accepting credit cards online on behalf of the merchants, with low processing fees, extra costs etc.
What the Free Credit Card Companies boast about
Many 3rd party processing companies say that they would provide merchants with:
* Least expensive ways to sell products online
* Easy way to earn profits
* Free credit card processing services without a merchant account
* Free credit card processing terminal
* Real-time acceptance of credit cards online
* Offering too-good-to-be-true referral programs
* Recurring billing and lofty affiliate management programs.
Free Credit Card Processing – Long Term Benefits?
Free credit card processing might help businessmen promote their website and products for a while, especially if they are only just starting up, but there are no real long term benefits. Merchants initially don’t have to pay for secure servers, monthly gateway fees, credit card processing fees etc. However, the transaction charges are usually so high that merchants end up paying more than the average rate.
Setbacks of Free Credit Card Processing
There are many free credit card processing service providers who claim to give away free services. However, as always there is a catch! There will be payment processing charges such as merchant account registration fee, “high risk” merchant fee, statements fees, monthly fees, wire fees and fraud prevention fees etc. What merchants can do to avoid becoming victims of such ‘free’ programs is to read the privacy policy and terms/conditions on the website for the certain program, or ask more experienced and trusted business owners regarding such companies. This will save merchants the hassle and loss liable to occur once trapped for the free credit card processing.
Credit card processing offered by some companies might initially be free but there are other hidden charges and setbacks which the potential victim might not know about, in such a situation only extensive research and precaution can help avoid one from becoming the next prey of ‘free’ credit card processing.
At http://www.instabill.com we provide our merchant account holders with the most reliable credit card processing services. Whether you have a high risk merchant account or an offshore merchant account, our credit card processors are safe, reliable and secure, that is why merchants worldwide trust us merchant account services.
Article Source: http://EzineArticles.com/?expert=Sara_K
http://EzineArticles.com/?Does-Free-Credit-Card-Processing-Exist&id=379209
Thursday, April 12, 2007
Credit Card Machines 802 site
Correct Credit Card Use
By Joseph Kenny
Having a credit card has become the norm in today’s society. If you have a flippant attitude and don’t use your credit card in the correct manner then you could unwittingly become deep in debt without realizing it or the implications. Looking at ways in which you can get the best use out of your credit card and keeping your spending under control may be key factors in reducing your chances of having unmanageable debt.
Paying On Time
Probably the most important thing is that you pay your bill on time, if you don’t you will incur a late payment charge and have the added interest on top of your original payment. Paying the full amount of your balance every month, if you can, will prevent the cost of interest, meaning you only pay what you have spent. If you can’t make the payment in full then at least paying the minimum payment is advisable but will cost you on interest the following month. If you repeatedly only pay the minimum payment every month and are still spending on your credit card you will soon find out that you seem to be getting nowhere in reducing your balance. Some credit card lenders include a minimum payment warning on their credit card statements. Do not ignore your bills. Ignoring your bills will only make your situation worse. If you are struggling to pay off your debt contacting your credit card provider to come to an agreement on paying the outstanding balance will help you get back on track.
Only Spend The Absolute Minimum
Keep you’re spending to a minimum and only use your credit card for things that you need. This will help keep your debt down. Only spend what you can afford to pay back as having a credit card does not mean you have extra money it only means you can obtain and pay for things a little sooner than you would if you had to save up the money.
Avoid Cash Advances
It may be a bad idea to use your credit card to obtain money form a cash machine as this will undoubtedly mean you will be charged a higher interest rate increasing your debt further. It is too easy to think that using your card in this way is likened to having money sitting in your bank account. The reality is that it is not and you are obtaining money that you don’t have. Never be tempted to use your credit card for impulse buys as you generally think about the implications after the purchase has been made.
What is Your Budget?
Have a budget and try only to spend what you can afford to pay back every month. Take responsibility for what you spend and you can have hassle free spending using your credit card without the unmanageable debt.
Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of credit card advice that should help guide you through the credit card maze. For US visitors there is also the comparison site http://www.credit-cards-info.com/ for all US interest free offers.
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
http://EzineArticles.com/?Correct-Credit-Card-Use&id=90628
By Joseph Kenny
Having a credit card has become the norm in today’s society. If you have a flippant attitude and don’t use your credit card in the correct manner then you could unwittingly become deep in debt without realizing it or the implications. Looking at ways in which you can get the best use out of your credit card and keeping your spending under control may be key factors in reducing your chances of having unmanageable debt.
Paying On Time
Probably the most important thing is that you pay your bill on time, if you don’t you will incur a late payment charge and have the added interest on top of your original payment. Paying the full amount of your balance every month, if you can, will prevent the cost of interest, meaning you only pay what you have spent. If you can’t make the payment in full then at least paying the minimum payment is advisable but will cost you on interest the following month. If you repeatedly only pay the minimum payment every month and are still spending on your credit card you will soon find out that you seem to be getting nowhere in reducing your balance. Some credit card lenders include a minimum payment warning on their credit card statements. Do not ignore your bills. Ignoring your bills will only make your situation worse. If you are struggling to pay off your debt contacting your credit card provider to come to an agreement on paying the outstanding balance will help you get back on track.
Only Spend The Absolute Minimum
Keep you’re spending to a minimum and only use your credit card for things that you need. This will help keep your debt down. Only spend what you can afford to pay back as having a credit card does not mean you have extra money it only means you can obtain and pay for things a little sooner than you would if you had to save up the money.
Avoid Cash Advances
It may be a bad idea to use your credit card to obtain money form a cash machine as this will undoubtedly mean you will be charged a higher interest rate increasing your debt further. It is too easy to think that using your card in this way is likened to having money sitting in your bank account. The reality is that it is not and you are obtaining money that you don’t have. Never be tempted to use your credit card for impulse buys as you generally think about the implications after the purchase has been made.
What is Your Budget?
Have a budget and try only to spend what you can afford to pay back every month. Take responsibility for what you spend and you can have hassle free spending using your credit card without the unmanageable debt.
Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of credit card advice that should help guide you through the credit card maze. For US visitors there is also the comparison site http://www.credit-cards-info.com/ for all US interest free offers.
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
http://EzineArticles.com/?Correct-Credit-Card-Use&id=90628
Wednesday, April 11, 2007
Credit Card Machines 802 site
Credit Card Fraud Prevention
By Joseph Kenny
Globally credit card fraud costs card issuers billions of dollars a year in fraudulent use of their cards. Some of this loss is passed back to retailers who failed to comply with the normal processing method for the card. Another part of the loss is insured. Nonetheless, as a cardholder you are potentially liable for any fraudulent use of your credit card. It is, therefore, imperative that you make yourself aware of what the current fraud scams are and how you can help to in the battle of credit card fraud prevention.
To this end, the following are some fraud prevention methods you can adopt:
* when using your card, never card out of your sight
* if you use the card in an old carbon-copy paper machine, keep the carbon-copy and destroy it later
* never use your credit card on an unsecured website
* never use your credit card to withdraw money in an ATM
Aside from the above, ensuring that you use certain technological advances with your credit card should also help in any credit card fraud prevention. In this regard, the following are currently popular with card issuers:
* identification photos: where your picture is shown on the front of the card
* fingerprinting: where a facsimile of your fingerprint is shown on the reverse of your card;
* chip and Pin systems: where the card has an encrypted chip containing details about the card and a PIN that ensures the card is a genuine issue. Essentially the chip contains the same information that used to be contained in the magnetic strip on the reverse of the card, but in chip format it is believed to be harder to copy.
Although each of these systems is no foolproof credit card fraud prevention method, with credit card fraud costing more and more each year, you can bet that issuers are going to be tackling this issue head-on: so stay aware of the latest credit card fraud preventions methods and help combat this growing problem.
Joseph Kenny writes for the Loans Store and offer more information on personal loans and other loan topics available on site.
Visit today: http://www.ukpersonalloanstore.co.uk/
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
http://EzineArticles.com/?Credit-Card-Fraud-Prevention&id=198076
By Joseph Kenny
Globally credit card fraud costs card issuers billions of dollars a year in fraudulent use of their cards. Some of this loss is passed back to retailers who failed to comply with the normal processing method for the card. Another part of the loss is insured. Nonetheless, as a cardholder you are potentially liable for any fraudulent use of your credit card. It is, therefore, imperative that you make yourself aware of what the current fraud scams are and how you can help to in the battle of credit card fraud prevention.
To this end, the following are some fraud prevention methods you can adopt:
* when using your card, never card out of your sight
* if you use the card in an old carbon-copy paper machine, keep the carbon-copy and destroy it later
* never use your credit card on an unsecured website
* never use your credit card to withdraw money in an ATM
Aside from the above, ensuring that you use certain technological advances with your credit card should also help in any credit card fraud prevention. In this regard, the following are currently popular with card issuers:
* identification photos: where your picture is shown on the front of the card
* fingerprinting: where a facsimile of your fingerprint is shown on the reverse of your card;
* chip and Pin systems: where the card has an encrypted chip containing details about the card and a PIN that ensures the card is a genuine issue. Essentially the chip contains the same information that used to be contained in the magnetic strip on the reverse of the card, but in chip format it is believed to be harder to copy.
Although each of these systems is no foolproof credit card fraud prevention method, with credit card fraud costing more and more each year, you can bet that issuers are going to be tackling this issue head-on: so stay aware of the latest credit card fraud preventions methods and help combat this growing problem.
Joseph Kenny writes for the Loans Store and offer more information on personal loans and other loan topics available on site.
Visit today: http://www.ukpersonalloanstore.co.uk/
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
http://EzineArticles.com/?Credit-Card-Fraud-Prevention&id=198076
Tuesday, April 10, 2007
Credit Card Machines 802 site
Prevent Identity Theft
By Joseph Kenny
Identity theft is fast becoming the major way in which criminals are stealing your money. They are not only stealing your money but they are stealing your identity, using your personal details to gain access to your credit and open up new accounts in your name redirecting the mail to a new address.
It is fast becoming easier for criminals to steal your identity as record numbers of consumers are obtaining credit cards and using their credit cards on unsecured websites. It is not only using your credit card in what may seem to be otherwise normal situations that you need to be wary of. You should make sure that credit card statements are disposed of in the correct manner as well as all material that includes your personal details.
Shopping
Situations that you may think normal when using your credit card could be otherwise threatening your identity. Corrupt cashiers or waiters could easily scan the black strip on the back of your credit card to obtain details that they can then use to clone your card. When purchasing goods or paying for your bill never let your credit card out of your sight as it would be more difficult for fraudsters to swipe your card.
Other scanning machines that you need to look out for are at cash machines where you insert your card. Criminals have been known to attach these scanners at cash machines duping customers. If when using a cash machine and you think there might be a scanner attached do not use the cash machine and report it as soon as you can.
Online
If you are not security conscious when buying online you could become a victim of identity theft. When purchasing an item on the internet be sure the site is secure as you may be entering your credit card details. You can check this by making sure there is a padlock symbol on your browser bar. You may also wish to have a Paypal account, which will further protect you from online fraud. New security measures are being updated frequently to try and erase the problem of online fraud.
Personal Documents
When disposing of your credit card statements, bills or any documents that may have your personal details included on them you must think about who may be able to have access to them. Investing in a shredder will eliminate prying eyes seeing your details and they are quite a cheap investment considering the amount of money you could lose if you were to fall victim of identity theft.
It is important to check your credit card statements against receipts every month to verify what you have bought and what you are paying for. Any kind of misuse on your credit card should show up and you can then act on it immediately.
Be vigilant and be just as protective of your personal details as you would be your cash.
Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of credit card advice. For US visitors there is also the comparison site http://www.credit-cards-info.com/ for all US interest free offers.
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
http://EzineArticles.com/?Prevent-Identity-Theft&id=100111
By Joseph Kenny
Identity theft is fast becoming the major way in which criminals are stealing your money. They are not only stealing your money but they are stealing your identity, using your personal details to gain access to your credit and open up new accounts in your name redirecting the mail to a new address.
It is fast becoming easier for criminals to steal your identity as record numbers of consumers are obtaining credit cards and using their credit cards on unsecured websites. It is not only using your credit card in what may seem to be otherwise normal situations that you need to be wary of. You should make sure that credit card statements are disposed of in the correct manner as well as all material that includes your personal details.
Shopping
Situations that you may think normal when using your credit card could be otherwise threatening your identity. Corrupt cashiers or waiters could easily scan the black strip on the back of your credit card to obtain details that they can then use to clone your card. When purchasing goods or paying for your bill never let your credit card out of your sight as it would be more difficult for fraudsters to swipe your card.
Other scanning machines that you need to look out for are at cash machines where you insert your card. Criminals have been known to attach these scanners at cash machines duping customers. If when using a cash machine and you think there might be a scanner attached do not use the cash machine and report it as soon as you can.
Online
If you are not security conscious when buying online you could become a victim of identity theft. When purchasing an item on the internet be sure the site is secure as you may be entering your credit card details. You can check this by making sure there is a padlock symbol on your browser bar. You may also wish to have a Paypal account, which will further protect you from online fraud. New security measures are being updated frequently to try and erase the problem of online fraud.
Personal Documents
When disposing of your credit card statements, bills or any documents that may have your personal details included on them you must think about who may be able to have access to them. Investing in a shredder will eliminate prying eyes seeing your details and they are quite a cheap investment considering the amount of money you could lose if you were to fall victim of identity theft.
It is important to check your credit card statements against receipts every month to verify what you have bought and what you are paying for. Any kind of misuse on your credit card should show up and you can then act on it immediately.
Be vigilant and be just as protective of your personal details as you would be your cash.
Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of credit card advice. For US visitors there is also the comparison site http://www.credit-cards-info.com/ for all US interest free offers.
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
http://EzineArticles.com/?Prevent-Identity-Theft&id=100111
Monday, April 9, 2007
Credit Card Machines 802 site
The Purpose of a Credit Card Processing Company
By Jim Saka
If you want to accept credit card payments on your website, you need to engage the services of a credit card processing company. What these companies do is process the credit card payments that generate from your site including following through on approvals or denials so that your shipping department knows what to ship. The credit card processing company notifies the company by email when they have received an authorization from the credit card issuer as well as notify them if the sale is declined.
Using the services of a credit card processing company can save you a great deal of time because you will not have to worry about obtaining authorizations or making sure that the payments are credited to your bank account as your processing agent takes care of all of that for you. Of course, you will pay for credit card processing, but the extra sales you can make because of your ability to accept credit cards online will make it worth the cost. Without the ability to accept credit card payments, you limit yourself to the methods of payment you can accept, meaning you have to wait for your customers to mail a check or money order. The problem with this antiquated way of accepting payments is that your customer will not likely be receptive to it and will go elsewhere to shop.
You do not want to accept the services of just anyone who offers credit card processing, but you want to do some research and locate the one who best suits your needs. Each company has its own set of fees per transaction in addition to whatever the card issuer charges for the transaction fee, which is a percentage of the sale. In addition, you want to ,make sure that the credit card processing services meets your needs for volume and type of payment options you desire including debit card processing. After all, credit card processing is to help with your business, so the processing company you choose must be willing to work with you and develop a program that best suits your needs and those of your customers. They must be able to customize your services so that you have the most important payment options for the type of merchandise you sell.
Why bother with a credit card processing company? You could, realistically, bypass the credit card processing company and manually process your credit card payments, but it would take a credit deal of time. This would mean calling for authorization and filling out the forms and submitting them to your bank the way it was done before the Internet became a big issue. Even with the use of credit card terminals, a merchant had to close out his sales for the day, and write a deposit slip for send to his bank. Credit card processing has changed all of that, thus eliminating a great deal of time, effort, and paperwork on the part of the merchant. Saving time and money means more income potential for the merchant as well as more time to devote to the customers.
For more information about Jim Saka or to find out how your business can can benefit from accepting credit cards online or at a place of business visit United Bank Card PS at www.unitedbankcardps.com
Copyright (c) 2006 Jim Saka
Article Source: http://EzineArticles.com/?expert=Jim_Saka
http://EzineArticles.com/?The-Purpose-of-a-Credit-Card-Processing-Company&id=388524
By Jim Saka
If you want to accept credit card payments on your website, you need to engage the services of a credit card processing company. What these companies do is process the credit card payments that generate from your site including following through on approvals or denials so that your shipping department knows what to ship. The credit card processing company notifies the company by email when they have received an authorization from the credit card issuer as well as notify them if the sale is declined.
Using the services of a credit card processing company can save you a great deal of time because you will not have to worry about obtaining authorizations or making sure that the payments are credited to your bank account as your processing agent takes care of all of that for you. Of course, you will pay for credit card processing, but the extra sales you can make because of your ability to accept credit cards online will make it worth the cost. Without the ability to accept credit card payments, you limit yourself to the methods of payment you can accept, meaning you have to wait for your customers to mail a check or money order. The problem with this antiquated way of accepting payments is that your customer will not likely be receptive to it and will go elsewhere to shop.
You do not want to accept the services of just anyone who offers credit card processing, but you want to do some research and locate the one who best suits your needs. Each company has its own set of fees per transaction in addition to whatever the card issuer charges for the transaction fee, which is a percentage of the sale. In addition, you want to ,make sure that the credit card processing services meets your needs for volume and type of payment options you desire including debit card processing. After all, credit card processing is to help with your business, so the processing company you choose must be willing to work with you and develop a program that best suits your needs and those of your customers. They must be able to customize your services so that you have the most important payment options for the type of merchandise you sell.
Why bother with a credit card processing company? You could, realistically, bypass the credit card processing company and manually process your credit card payments, but it would take a credit deal of time. This would mean calling for authorization and filling out the forms and submitting them to your bank the way it was done before the Internet became a big issue. Even with the use of credit card terminals, a merchant had to close out his sales for the day, and write a deposit slip for send to his bank. Credit card processing has changed all of that, thus eliminating a great deal of time, effort, and paperwork on the part of the merchant. Saving time and money means more income potential for the merchant as well as more time to devote to the customers.
For more information about Jim Saka or to find out how your business can can benefit from accepting credit cards online or at a place of business visit United Bank Card PS at www.unitedbankcardps.com
Copyright (c) 2006 Jim Saka
Article Source: http://EzineArticles.com/?expert=Jim_Saka
http://EzineArticles.com/?The-Purpose-of-a-Credit-Card-Processing-Company&id=388524
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