I found some people are charging people money just to reveal to them the simple system to get a FREE Payoneer card in any part of the world
1. You join friendfinder membership on www.friendfinder.com/join . Just click ‘Join Now’ Button and fill out the form.
2. And then you also join FriendFinder Affiliate Program with this link. http://friendfinder.com/go/g1201840 It’s different kind of membership, so you must join to both of them seperately. One gives you access to the system, the other enables you get the card. Click on “Affliates” on this one.
3. Find the ’sign up’ button and fill out the form then click ‘click here for the last step’ and submit it.
4. Click ‘Account Information’ (After registering)to update your profile info.
5. Update your profile about getting payment by payoneer card.
6. Click ’sign up to be paid by prepaid mastercard’ , you will be redirected to get free payoneer debit card. NB: You cant register directly on payoneer’s site. you need to go through a partner. If you doubt me try it yourself!
7. Click ‘Get your prepaid mastercard now’ . Just follow the steps until you get verification email
8. After your application get approved (2 -3 days), your Free Payoneer debit card will arrive in 3 – 4 weeks.
9. Before using the card, please Activate it first.
10. you can use the card for Friendfinder payment and other programs that use payoneer card to their payment. You also can use it for Paypal verification with minimal balance Good luck!
for more information, you can vidit
www.e-businessguide.co.cc
Emmanuel Akpan is a Cyber Security Expert, Forensic Expert, Web Designer, Data Recovery Expert, information Marketer and a Motivational speaker. He has organised several crowd pulling serminers and has a Computer training School. He has been in the field of Computing for the past 12 years, have created several video training cds. For information you can reach him on +2348067927747
Your credit rating, or your credit score, is like a report card – only the subjects are your finances and your dog cannot just eat it up. It also tends to stick with you for a long time. It is basically the ‘credit worthiness’ of a person, a business, or a country. It is an assessment of whether an entity would be able to pay back a loan or not. Nowadays, some employers may also use it to consider an applicant’s eligibility for a job. Leasing deposits and adjustment of insurance premiums are also affected by it.
A person with a poor credit rating is often more likely to experience higher interest rates. It may also be one reason for denying them a loan because the high chances of their being not able to pay it back and thus, defaulting.
Credit ratings can be categorised into three types:
1. Personal or Individual Credit Ratings
2. Corporate Credit Ratings
3. Sovereign Credit Ratings
It may then be further branched into short term and long term credit rating. Short term rating involves ratings for a person who might become a defaulter within a year and long term refers to an assessment of a person’s credit over a long period of time.
Calculations for credit rating involve assessment of the financial history of the person or company in question, and also the assets and liabilities of same.
Personal credit ratings are calculated by Credit Reference Agencies, also known as Credit Rating Agencies. Usually, the three-digit credit score analysis (the FICO score) is used. FICO (Fair Isaacs Corporation) is the first company that came out with credit rating calculation software. This analysis is offered by independent financial service companies. In Canada, the “R” ratings are most commonly used. These have a range from R0 to R9, with R0 being the best credit rating and R9 the worst. The factors that might affect a person’s credit rating are debt, lifestyle, interest, amount of credit used and savings.
Corporations may require a credit rating so that investors backing their debt security can analyse the risk involved. Corporate credit ratings are also assigned by credit rating agencies.
A country, a sovereign body, is also a candidate for credit ratings which indicate the potential for investing in it and the risks involved with such an investment. It also reflects the country’s ability to pay back its sovereign debts. These are the Sovereign Credit Ratings. These take into account several factors like economic risk, political stability etc. As of March, 2008, Luxembourg has the best sovereign rating and is considered to be the least risk investment possibility in the whole world.
Ricardo Reeves is an expert in debt management and has helped hundreds of families free themselves from a stranglehold of debt.
Free report at: www.CSBCards.com – (*24hr Recorded Message (775) 473-9014*) CREDIT REPAIR: info from the credit secrets bible Rebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast! What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”… While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better. Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this. One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22. How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on. Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors: 1.) The “High Credit Limit” and 2.) Your “Debt to Credit” Ratio Your high credit … Video Rating: 4 / 5
So you are stuck in a credit card with an interest rate that keeps moving up. If you want to move to a card that has a more reasonable rate, then you are at the right place. The UK Credit Card Centre promotes a variety of credit card that have low interest rates associated with them.
We all use credit cards. The ease and convenience of credit cards is part of everyone’s financial day to day activities. So it’s obvious that we all want to reduce our costs associated with the use of credit cards. Although there are many way to reduce your credit card costs, the easiest way is to apply and qualify for a low rate credit card. You can save hundreds each month with a low rate card. When you transfer credit card balances from one card to another to take advantage of low introductory or promotional rates can result in significant reduction in interest or finance charges. Similarly, financing purchases with low introductory or promotional purchase rates can result in significant interest savings. At the UK Credit Card Centre, we offer many credit cards with low interest and low APR rates.
The MBNA 6.7% American Express credit card offers a low 6.7% rate on your purchases, balance transfers, and money transfers. Plus this without fees (transfer must be made within first 60 days). With the MBNA 6.7% American Express you also get access to a fantastic rewards programme where you earn when you spend. Redeem rewards for flights, cash, shopping vouchers and much more. Find out more about the MBNA 6.7% American Express Credit Card.
The Barclaycard Simplicity Credit Card is another example of a low rate, low interest credit card targeting the UK market. Barclaycard, a leader in the UK credit card market, offers the Simplicity card with a very low 7.8% interest rate. So if you’re tired of having to find a new credit card each time the promotional offer on your current card ends, let us make life simpler for you. This card offers one low rate – 7.8%, applies to every purchase and/or balance transfer you make. The Barclaycard Simplicity card not only offers a low rate, but also unparalleled benefits including Identity Protection Service, safe shopping with Fraud Protection, purchase delivery protection, emergency help when traveling abroad, and great holiday deals with our Travel Service. Learn more about the Barclaycard Simplicity Credit Card.
To wrap up our discussion on low rate, low fee credit cards in the UK, we decided to include the MBNA Rate for Life Visa Card. This card offers a promotional low rate on balance transfers and money transfers – 5.9% for the life of the balance. This card is ideal for rearranging your finances and consolidating loans. This promotional rate does come with a 2% transfer fee. To learn more about the MBNA Rate for Life Visa Card.
Like all credit card decisions, you need to take the time to understand the interest rates and fees associated with each of the card. To find out more, please visit the UK Credit Card Centre
At the UK Credit Card Centre our primary purpose is to provide personal financial solutions. Choosing the credit card that is best for you is rather simple. What’s not simple is the effort that is needed. That’s where we come in, we provide the tools and information necessary to help you find the credit card that is right for you. Visit our site to find out more, UK Credit Card Centre
Start shopping for a new credit card, and you’ll quickly find that the vast majority carry the name Visa or MasterCard on them. Trying to figure out which of these names implies a better deal can be confusing. If you’re struggling to sort out the differences between Visa and MasterCard, you’re not alone. Read on for an inside look at these credit companies and what they mean for you.
Similarities between Visa and MasterCard
Most financial experts are quick to point out that Visa and MasterCard operate in almost exactly the same way. Both are major international companies. Both create and maintain payment systems for credit cards and carefully track transactions.
It should be noted neither Visa nor MasterCard actually issue credit cards. They work with banks and financial institutions, which are the companies that issue credit cards to consumers. Citibank, Bank of America, and Chase are just a few of the many companies that take care of this part of the credit business.
Both MasterCard and Visa work with retailers and merchants around the world. These places accept credit cards and, like the banks and financial institutions, use the systems created by MasterCard and Visa. Tracking these transactions is no small task: billions of dollars go through the system every single day.
Differences between Visa and MasterCard
While Visa and MasterCard operate in a similar way, there are still differences between the two. They are separate companies, and thus each of them has their own set of unique features. Some customers have a personal preference toward either Visa or MasterCard.
As you look for a card, it is wise to look at all of the different features that it offers. While many are backed by either Visa or MasterCard, they also list a variety of additional benefits. Some cards specialize in low interest rates, while others offer valuable deals on balance transfers. Rewards programs, introductory offers, and grace periods are other items to consider. You’ll want to sort through all of these different characteristics as you search for your best option.
If you already have a Visa or MasterCard and are looking for another piece of plastic, you may choose to go with a card backed by the other company. While the risks are incredibly small, you’ll have another option to use in case something happens to one of the companies. Similarly, if one of these cards is not accepted at a store, you’ll most likely be able to use the other one.
By and large, there are few differences between Visa and MasterCard. Some of the biggest differences simply lie in personal preference. If you feel more comfortable with one, you may be inclined to stay with the company. If you want variety, consider getting a card from both of these credit card kings.
When you shop for a new credit card, you’ll want to see which company’s name is listed on it. Perhaps more important, however, will be looking for the other benefits included in the card. Find one that fits your financial lifestyle. It will most likely be your best option, regardless of whether it says Visa or MasterCard on it.
Click Here to Find Visa or MasterCard Offers. Stephanie Andrews is a contributing editor of the website http://www.CreditCardCity.com a credit card directory where you can apply for a new credit card with secure online applications. Visit now to compare all of the best online credit card offers.
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USING FINANCIAL ACCOUNTING INFORMATION, 7E, is a non-debit/credit text known for its strong decision-making focus, its incorporation of flagship companies for increased relevance, and the quality of its end of chapter materials. The user-friendly presentation and innovative transaction analysis of the new edition ensures users master financial accounting concepts and the role of those concepts in business decision making. This edition includes a discussion of the current environment of financial
Today, the use of credit cards has become so common that almost all people apply for the different offers of credit card companies. There are actually a lot of credit card companies competing in the market. Consumers can either apply in person at the offices of credit card companies or apply online through the internet. One of the known credit card companies is the American Express Co. The American Express which is also known as Amex ranks 174th in the list of the largest companies in the Fortune magazine. The brand worth of American Express is at US19.64 billion.
Around the globe, the American Express Co. operates in over 130 countries and offers a number of credit cards to cope up with the different needs of the consumers who include businessmen, students and working people. The available credit cards of the American Express are Blue from American Express, Blue Cash, Blue for Students, Blue Sky from American Express and Clear from American Express. After the Blue, American Express has developed other credit cards with different credit packages.
Among the different credit cards from American Express, the Blue from American Express, Blue Cash and Blue Sky from American Express have the highest number of clients. These are the top three credit cards offered by American Express.
In 1999, the American Express introduced the Blue from American Express. It became popular among young adults. The Blue from American Express carries out several benefits and incentives which includes zero annual fees, a competitive zero percent APR within fifteen months and a grace period of twenty days. Once the introductory APR period expires, the regular APR will be 11.99%.
In getting additional cards, there is no need to pay any fee and the benefits and incentives may be shared with other people like family members and friends. The nice thing about this is that it is free of charge. The balance transfer in fixed at 3.99% until the balance is paid in full. The credit limit of the Blue from American Express is at one hundred thousand dollars.
Under the Blue from American Express, card holders can sign up for the Free Credit Reward Program. The way this reward program works is that for every dollar spent, the consumer is given one point. These points will be accumulated and can be redeemed for travel awards, entertainment, retail and other purchases.
A great feature of the American Express is that is can give its clients and the card holders various protections. They have a fraud protection that can guard the consumers from unauthorized transactions. It also has a return protection plan that lets the clients return any purchased item within ninety days. The American Express can refund the client the price of the item. The items are also protected from damages within a ninety day period.
With this kind of credit card, the consumers will surely be satisfied with their credit. When looking for the best credit card in town, remember the Blue from American Express. It does not only let you purchase the things that you need but also it gives rewards for usage of the credit card. The consumers will definitely benefit much from this kind of credit. For more details on the Blue from American Express, the consumers can browse the website of American Express.
Mario Churchill is a freelance author and has written many articles on various subjects. For more information on blue american express or to get a american express blue card checkout his websites.
This article is written neither to promote nor criticize the Paypal online mode of payment. With the rapid growth in the number of Paypal users, frauds and email scams on Paypal accounts has become more frequent and severe. Our network team has put together a report on the current Paypal frauds and Paypal email scams being perpetuated by various groups of fraudsters. We also offer advice for users of Paypal to help them reduce the chances of becoming victims of such frauds and scams. As the usage of the internet has increased in handling online transactions, both buyers and sellers need to become aware of safe practices to operate online payments or online receipt of funds.
To access a Paypal account you need to have the username and password of the account. The username of a Paypal account is the main email address (primary email address) used to register the account. The owner of the account would also set up a password to be used along with the username to access the account. The security system is quite secure as long as the username and password of the Paypal account are known only to the actual owner of the account. If these details are available to anyone else it would mean that the security of that Paypal account has been compromised. Anyone acquiring the username and password of any Paypal account can access and perform all functions that the actual owner of the account could do.
In this article we will try to explain in simple terms how confidential login information of an actual Paypal account owner can be robbed and misused. We will then provide important and simple suggestions that would reduce the chances of such a fraud being committed on your Paypal account.
(a) Being careless with your information: This type of Paypal fraud can be committed very easily and does not require too much effort on the part of the fraudster. Users very often write down their login details for various websites with the fear of forgetting them. Anyone having access to these written details can login to the Paypal account and treat the account as if it was his own. Another possibility that could easily open a Paypal account to fraud is when the user selects a very simple or easy password that can be easily guessed. People with bad intentions need to make a few guesses before they arrive at the correct password to enter the Paypal account. These are the simplest ways in which a Paypal fraud can be committed and they do not require any email scam to be done.
(b) Identity theft through a Paypal email scam: Paypal phishing or identity theft as it is commonly known, involves an attempt by a fraudster to extract the login details of a Paypal account from the actual owner of the account. Armed with these detais, the fraudster can be very dangerous as full control of the Paypal account can be excercised. In this case, emails will be randomly sent to many email addresses informing the receiver of a certain activity in their Paypal account. For these Paypal email scams to work, the receiver of the email will need to login to his Paypal account by clicking a link on the email. The exact contents of each Paypal email scam might differ but the objective remains the same. Once the user clicks the link in the email, he is taken to a web page that closely resembles a regular Paypal login page. This page is infact a fake and is hosted by the fraudster (not Paypal) with the sole purpose of collecting confidential login details from the actual owner of the Paypal account. If the owner of the Paypal account falls for this trick, his account will soon be operated by the fraudster and this could lead to heavy losses. Attempts to phish Paypal accounts have become quite common and each time a fraudster unleashes his cruel trick a number of innocent Paypal accounts become victims.
The above two methods account for a major share of Paypal frauds and Paypal email scams being committed in recent times. It is not very difficult to stay clear from these frauds and we provide some useful suggestions to help you. You really do not have to give up using your Paypal account with the fear of it being misused or phished by someone else. The internet provides numerous advantages when it comes to selling and buying online and to surrender these benefits to a pack of fradusters would be sad.
Avoiding Paypal fraud and Paypal email scams. (1) About your Paypal password: Choose a password that is not very easy to guess. Using your first or last name for your Paypal password is not a very good idea. Paypal frauds can be committed easily if you note your pass word in places that are accessible to others. Change your password periodically and whenever you suspect that you have become a victim of a Paypal email scam or other type of Paypal fraud.
(2) Clicking links to login: Never click links on emails to access your Paypal account. Always use your web browser and type in the complete name of the Paypal website to login. Paypal email scams urge you to click a link on the email and access your website. The login information is then saved to a website that is not a Paypal website. This allows fraudsters to login to your Paypal account and make transactions on your account.
(3) Periodic account check: Login to your account periodically and look for any strange or unexpected transactions. The transactions could relate to a receipt or payment of money. If you notice any abnormal movement in your Paypal account, consider it to be a Paypal fraud and inform Paypal immediately. Also change the password immediately to reduce the chances of further damage.
(4) Logging out of your account: If you are in the habit of logging into your Paypal account and then leaving the active account minimized on your browser, you could be helping someone commit frauds on your Paypal account very easily. Such security lapses do not require email scams or other methods. Always logout of your Paypal account once you have finished working on it or when you will not be using it for a couple of minutes.
Follow the above suggestions and you will be pleased with the results. Your Paypal account will be a lot safer and you will at the same time, reap the benefits of transacting online. The contents of this article have been compiled by the network team at Kaisilver. We request you to forward this link to all your friends and acquaintences, they will be grateful that you let them know about a safe way to work with their Paypal account.
You can see the complete report on Paypal fraud and Paypal email scams at this link: http://www.newsletter.kaijewels.com/paypal-frauds-paypal-email-scams.htm
Thank you for taking this time to read this article. Regards. Ms. Roit http://www.kaisilver.com
Ms.Roit is network assistant at http://www.kaisilver.com/ the world’s largest online source for highend custom jewelry. All jewelry can be made in 14k or 18k white or yellow gold with gemstones of your choice. You can also send in images of your favourite designs to be custom made.
Everywhere you go, there just might be an agent promoting the features and benefits you would enjoy when you get this credit card or that credit card. Yes, credit card companies today are really doing their best in keeping their clients by providing services that have been enhanced, as well as products that just take your breath away. Unfortunately, in the struggle of keeping these clients from cutting their credit card accounts and such, the companies sometimes offer these products and services for all the wrong reasons.
This is not meant to judge anyone, but there is indeed a need to select the right people to whom credit card companies should offer these products and services. Professionals known as Risk Managers are then employed to calculate the risks entailed in offering these to existing clients. And for this, the development of a credit risk scorecard is then very much needed.
If you manage a credit card company, and you are in the position to offer enhanced services and products to existing clients, who would you offer these to? You would most certainly go for the client who pays his debts religiously, right? Clients who are problematic when it comes to paying their dues are then the ones that you would avoid. If you manage just a small credit card company, well, determining who these clients are would not be that hard. However, if you manage an international credit card company, then determining the identities of these clients can become very daunting indeed! Thus, risk managers have to develop credit risk scorecards not just to identify these favored clients, but also to deal with the problematic clients so that no more losses would be incurred as much as possible.
The concept of credit risk scorecards is not entirely new at all. In fact, a lot of industries have been using such scorecards already. Insurance companies, for starters, have been using risk scorecards for quite some time now. No matter what industry, what’s important here is the methodology employed when scoring, as well as the method of analysis used when assessing risks involved.
In the earlier years, financial institutions did not really make their own credit risk scorecards. These financial institutions actually affiliated themselves with credit risk vendors when developing these scorecards. What happens here is that the banks and credit card companies provide the vendors all the information that they need in the development of the scorecards. With this information, the vendors then devise their own scorecard according to the specifications made by the financial institutions, of course.
Today, however, most financial institutions have resorted to developing their own credit risk scorecards. This is actually attributed for various reasons. Basically, the application software that is needed in developing credit risk scorecards has been made available to the companies already. This way, companies would no longer have to include this in their budget. With this software made available, not only will time be saved, but the developed credit risk scorecard would actually be more aligned according to the needs of the company itself. And this is indeed one of the major advantages of such a change.
If you are interested in credit risk scorecard, check this web-site to learn more about credit risk metrics.
How To Significantly Reduce Payment Processing Costs By Converting Debit-Card Customers To Direct-Debit Payments
It seems that banks are constantly coming up with new ways for us to pay bills and withdraw money. First there were paper checks, then credit cards, then ATM cards, then debit cards linked to bank accounts, and now ACH electronic funds transfers. Of course, with each new payment method comes a new set of fees passed on to account holders and merchants. The smart merchant will weigh the pros and cons of each method with regards to safety, accountability, and processing cost, and then design her business practices to maximize profits without compromising customer service.
This article will help merchants do this by comparing two very similar payment methods-debit card charges and bank account ACH direct-debits. It will explain how switching customers who pay with debit-cards to direct-debit transactions can significantly reduce merchant processing costs.
What is a Debit Card?
A debit card is a bank issued card that allows its user to access the funds in his account to pay for merchandise or services. A debit card acts like a credit card, and is often associated with a credit card brand such as VISA or MasterCard, with the difference being that funds are immediately deducted from the cardholders checking or savings accounts when a purchase is made.
What is Direct-Debit?
Direct debit is an easy way to deduct a payment directly from a customer’s bank account. It uses the premise of a paper check but takes it to the next level with electronic funds transfer. With direct debit, the need to write paper checks is completely eliminated. Your customer simply gives you permission to take funds directly out of his checking or savings account and transfer them to yours. Direct-debit is typically used for auto-recurring billing of regular transactions, such as a monthly rent payment, so that written permission to transfer funds is needed only once and customers no longer need to write checks every month. But, it can also be used with an Online Payment Gateway to enable your customers to purchase your products or pay their bills directly from a checking or savings account instead of with a credit card or debit card.
What are the differences between a Debit Card transaction and a Direct-Debit transaction?
Debit card transactions and direct debit transactions are at their core the same-each authorizes a transfer of money directly from the cardholder’s account to the merchant’s account. And, from the consumer’s standpoint they are exactly the same.
From the merchant’s standpoint however, they are very different. The transactions are processed through different networks, and the payment processing charges differ significantly.
Debit card transactions require the merchant to obtain a credit card merchant account and often to sign a long-term contract and pay a fee to open the account. Debit card transactions are processed through the same network as credit card transactions, and funds are deposited, less a commission (known as the “discount rate”), into a merchant account. The discount rate for debit-card purchases is typically lower than for credit card purchases (This is because the bank is taking less of a risk with a debit-card that deducts funds immediately from a bank account than with a credit card.), however there are some merchant processors that do not extend this discount to their clients. Typically, 2-3% of the transaction plus a 30 cent inquiry fee will be deducted from a debit-card payment and the balance will be deposited into the merchant’s account.
Direct-debit transactions use the Automated Clearing House (ACH) network to move funds from one bank account to another. Thus, you can use your regular business checking account for Direct-Debit transactions. You will need to sign a contract with a company authorized to manage these ACH transactions, but there is typically no long-term commitment. You will pay a fee for each direct-debit transaction you process-but it is typically a flat-fee that is not dependant upon the size of the transaction. (There are some companies that do charge a percentage based fee for direct-debit transactions-you should avoid these processors!). This fee is typically less than per transaction.
How much can merchants save with Direct-Debit Transactions?
Accepting direct-debit instead of debit-card transactions can generate significant savings for most transactions; with the rule of thumb being the larger the transaction amount the more the merchant saves. The following is a simple example using the PaySimple pricing structure:
Transaction Amount: 0
Cost to process via Debit Card (MOTO rate): .49 (.29 inquiry + 2.04% discount)
Cost to process via Direct-Debit: .55 flat
Total Savings per Transaction: .94
Total Monthly Savings (based on 250 transactions/month): ,485.00
Are there Drawbacks to Direct-Debit transactions?
The largest drawback for merchants accepting direct-debit payments is that unlike debit-card payments, you will not immediately know if there are sufficient funds in the customer’s account to cover the charge. With a direct-debit, you will get NSF notification in 24 hours (far better than the weeks it typically takes for a paper check processed by the bank). This can be a significant concern for merchants who are providing goods or one-time services at the time of payment. But, in the majority of cases, 24 hour notification is sufficient.
Another concern is that customers will not be comfortable with giving a merchant direct access to their bank accounts. However, that is essentially what they are doing with a debit card transaction. The problem truly is one of education not of security or of process. Fortunately, that is an easy problem to solve. ElectronicPayments.org is a fantastic website that provides a wealth of customer education materials. Your payment processing company may also offer free marketing and educational literature that can be distributed to your customers.
The Bottom Line
Direct-debit transactions are just as safe as or safer than debit card transactions. Direct-debit and debit card funds are deducted immediately from customer accounts. Direct-debit transactions are just as simple to perform as debit card transactions, and both can be used for auto recurring payments, online payments, phone payments, and point-of-purchase payments. But, processing direct-debit transactions is significantly less costly for merchants than processing debit card transactions.
Lisa Hephner, PaySimple Marketing Manager About ACH Direct-Debit Processing For assistance with converting your debit-card customers to direct-debit, contact PaySimple: 800-466-099
Expand the description and view the text of the steps for this how-to video. Check out Howcast for other do-it-yourself videos from wogelife and more videos in the Credit Cards category. You can contribute too! Create your own DIY guide at www.howcast.com or produce your own Howcast spots with the Howcast Filmmakers Program at www.howcast.com There are times when it’s to your advantage to use plastic. To complete this How-To you will need: Information about your credit and debit cards Step 1: Read the fine print Read the fine print. Find out exactly what sort of fees you’re being charged. Is there a per-transaction fee associated with your debit card? Does your credit card charge a very high Annual Percentage Rate, or APR? Step 2: Cover your charges Only use your debit card if you have enough money in your checking account to cover your charges. Your bank might have high penalties for dipping below your minimum balance. Step 3: Pay off immediately Pay back money as soon as possible. If you do have to carry a balance, make sure you have a low APR. A small amount of debt can multiply into something large and unwieldy. Step 4: Keep your cards safe No matter which card you use, be sure to keep track of it and to keep the card number safe, and the PIN number for you debit card in a separate, safe place. Be sure to alert your financial institution immediately if your card is lost, stolen, or if you suspect it’s being used fraudulently. Tip: If you use your debit card to make a …
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