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Posts Tagged ‘Credit Card Articles’

Sending Money to India: The Advantages of Sending Cash Fast

June 25th, 2018 Comments off

While vacationing in India for a few weeks a while back, the unthinkable happened; I lost my wallet. I luckily still had a passport, but I had to figure out a way to get money wired to India so I could get to the airport and back home. Had I lost my passport as well, this would have been a very different story.

It was difficult at first to find a place where my family could wire money to from the United States. All I was left with was a passport and suitcase, while I helplessly scoured for a wire service where I could get money sent. Finally, I found a place where my brother could send the money.

Ironically, just before I left for the trip my brother cautioned me to keep an extra stash of cash and an extra credit card in case I lost my wallet. Unfortunately I ignored him, figuring nothing like that had ever happened to me so it was best to keep everything in one place ” my wallet.

At the time, I didnt even have enough money to make a phone call but luckily a vacationing couple from Florida gave me enough to make a call and grab some food. When I called my brother, the first thing he asked was if hid extra cash and a credit card.

The second I realized I lost my wallet, I was on my way to a town I planned to explore before settling on on a place to stay. So while I waited for my funds to arrive, I had no place to go.

If you ever find yourself in a similar situation, make sure to have someone to reach back home, then give them the code of the location you would like the money. This code is available at all locations and significantly speeds the process along. Also, to avoid getting shortchanged ask your sender to ensure the funds will be automatically converted to the correct currency.

Although it was still a wonderful trip, I most definitely learned a valuable lesson.

Understanding all there is to know about money to India is not always easy. Luckily you can get everything you need right here at sending money to India

Discover The Virgin Money Credit Card

June 21st, 2018 Comments off

Australia has seen a lot of change especially in the credit card industry in the past few years. Long before the overseas companies began investing in this young industry, the major banks of Australia had the monopoly in credit card issuance. They charged high annual fees and interest rates such that owning a credit card was more of a luxury than a necessity.

When the big players finally came and raised the competition, these banks had to lower rates and there was a huge race to find out who would take the market by storm. These overseas companies like AMEX came with the policies of competitive rates I the US and UK thus sparking a revolution of sorts as more credit card issuers came up.

One such emergent credit card is the Virgin Money credit card that was launched by Sir Richard Branson, who owns the Virgin Group, in several countries. The card is no longer being issued due to the merger with Westpac, though the card holders will not be affected by the change. The card offers a 0% per annum interest rate for the first six months from account opening on all balance transfers to a new virgin card. This is one of the cards wonderful offers. However, the most outstanding part is that Virgin Money Credit Card holders do not get to pay any annual fee whatsoever. The cards interest rate is a fair ongoing rate of just 14.24% per annum on all purchases.

Another interesting offer is that the credit card holder is entitled to 55 interest free days on all purchases as long as he or she pays off the card in full every month and on time. This is also inclusive of balance transfers. The card holders also get to enjoy 24 hours access to the credit card issuer in case of any queries or arising problems. The card also runs a rewards program called Mates Rates instant awards where there are no fees or any periods of waiting and all the card holder does is to make deals with card issuer on things hey want in exchange for points redemption.

The Low Interest Virgin card can be used in 32 million locations worldwide and 430,000 others in Australia alone. To make payment with the card, you can transfer funds from your account directly to the credit card regardless of the bank. This is definitely an interesting card.

We all try to find the best option for debt solution, and to achieve this may be you will need a no fee credit cards and low rate credit cards .

6 Citibank Credit Cards with Annual Fee from $65

May 2nd, 2018 Comments off

It is interesting how credit cards have changed how the world does business. A few years ago, the world was fixated in trade using hard cash which was quite and still is common place in many countries. This form of trading has some serious disadvantages such as the fact that having money in your pocket all the time is a threat to a persons security. Moreover, carrying cash is tiresome and it encourages recklessness.

Credit cards come in timely to regulate these disadvantages and promote easier ways of shopping. Though it may have its own disadvantages, this system has great benefits such as easy access to credit without undergoing lengthy processes and also enabling you to keep track of you expenses.

Citibank has chipped in to present great cards into the market at competitive rates and interesting packages. Their cards have attractive interests and low annual fees. In fact they have cards with annual fees from $65. One of these cards is the Clear credit card that is quite cheap since it offers a very competitive interest rate of 12.49%. This rate is actually the cheapest among all Citibank cards. It comes at an annual fee of $65 and falls in the standard level credit card.

The Silver credit card is another interesting standard level card from Citibank. It has an interest rate of 19.99% which is rather high compared to the rates being offered by other players in the market. It however comes with a substantially low annual fee of $69. The Clear Platinum credit card is one of the most prestigious cards offered by the bank. It falls in the Platinum level and comes at a very interesting low interest rate of 10.99% which is one of the most competitive for a Platinum card. It also comes at a neat rate of just $85 per annum.

The Gold credit card is a gold level credit card that comes at an interest rate of 19.99%. the card also has an annual fee of $119 making it one of the least affordable cards from the bank. The Emirates Citi Platinum is another Platinum card that the bank offers at a rate of 19.99% and an annual fee of $199. Compared to the other Platinum cards from the bank, this card is only second to the Platinum Credit Card in being expensive. The later comes at an interest rate of 19.99% and an annual fee of $250.00

Are you in a business? then a business credit card can actually help you a lot. Find today more info about low rate credit cards and no fee credit card deals for your business.

Merchant Accounts Made Easy

April 17th, 2018 Comments off

Do you have a business that you would like to promote online? That is very much possible by having your own website. But if you are going to process a payment online, you will need to have a merchant account.

Having a merchant account for your website is very much advantageous as you will be able to get people from all over the world to buy from you. At the same time, there is a chance that you will get the sale right away as most of the buyers will not think twice especially if you have the product that they want.

But do you know that there are several types of this account? There is a merchant account that will match your current business. These are the types of accounts that will fit your business.

There are a number of businesses that use merchant account for internet. They are the ones who would use this account to be used in getting payments from their clients. They can get credit card payments and be able to verify them online. These accounts have a credit card billing verification system in order avoid fraud.

If you would see several websites that have a “Buy Me” tab, then that is an internet account. You can just click on that tab and you will be directed to the payment page and put in the information needed. This is one convenient way of shopping for people who does not want to go out of their homes.

The next accounts are the high risk ones. They are the ones that are said to be exposing the banks making the levels of security at high risk. Examples of these accounts are those being used in travel, adult sites and the likes. The reason why they are considered high risk is that they have increased instances of refunds because of products that did not meet the expectations of the buyers.

If you are also going to look for an account online, be sure to get the ones from popular payment sites. In this way, you will gain the trust of your clients to do business with you as they know that the chances of their money will not be lost through processing.

So if you want to start your online payment scheme, you can get a merchant account to be your assistant to your business. You can easily close the sales and easily process them online to bring in profit.

Christina Lambereau is a professional author who specializes in merchant accounts and credit card merchant accounts.

Is Charge.Com The Best Credit Card Merchant Account Service?

March 25th, 2018 Comments off

It’s not simple to answer without being aware of the exact requirements of the business. However having said that charge.com can be effectively evaluated by looking as very important points that are vital to all merchant account holders.

We will look at price first. This means how much it will cost you to take the credit cards that people are using to pay for the goods or services.

It could be so simple, however some merchant account companies love to make this difficult.

Rates are a great way for companies in the industry to get a little ‘creative’ with their advertising campaigns and hide some of their charges that you only find when your first statements come through. Charge.com scores very highly here.

Then you have to look at the time span that a company wants you to sign a contract for. Many companies want you to sign onto a contract that lasts a long time. This seems pointless and I cannot see the reason why they would want you to do this. Charge.com does not do well here.

So now we need to look at what kind of service they can provide. Can they offer a variety of account facilities to you. Perhaps you need to hook things up to your website and you want a special kind of shopping cart, or maybe you even want to go mobile out on the road with your sales team? You have to be sure that a merchant account provider will be able to deal with every eventuality.

The list goes on, but it ultimately ends with a company that will get your transactions done with no fuss, because you won’t make anything if you can’t take orders. That means there has to be an absolute dedication to customer and technical service and support.

So how does this charge.com review ultimately pan out. We can certainly say they are a very high quality merchant account provider.

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