Tag Archives: Credit

Best Prepaid Credit Card – What You Should Look For

You may have heard of these and asked, “why are they called credit cards if you receive no credit?”  To answer that question and many others, let’s look at them in detail.

Nearly all of the major issuers offer these.  The concept is very simple.  Once you are approved, and nearly everybody regardless of their history is, you get a card in the mail.  It looks identical to a regular one typically with a Visa or MasterCard logo.  It can be used anywhere that Visa & MasterCard are accepted and nobody will know that it is prepaid.

The first thing you have to do is fund it.  The amount of money you deposit in to your account is the amount of money available to you.  You can’t carry a balance, you can’t pay interest or over the limit fees.  To avoid any kind of fee, set up a direct deposit. Also bank transfers, ATM deposits, and even a mailed check can fund it.

Most valuable perks including free bill pay, free direct deposit, balance alerts sent to your e-mail or cell phone, and if you have damaged credit report, your positive payment activities will be reported to the bureaus.

These companies are making money off of each transaction that you make yet still, some companies try to charge annual or monthly fees.  Make sure to do a lot of comparison shopping and find one that is 100% free to be issued and activated.  Some may require that you set up direct deposit in order for it to be free.

As American’s become more conscious of how they borrow money, this card represents one of the safest ways to build positive marks on your report and without the worry of finding yourself in over your head in debt.

Additionally these are a good alternatives for individuals in chexsystem and don’t have a checking account. This is because to cash a check you have to pay a check cashing fee. To pay a bill you must buy a money order. These expenses add up quick. However a good card will let you use direct deposit for free and may have a program to allow you to pay your bills without having to buy money orders.

We suggest the prepaid Account Now Visa it comes with free direct deposit, free bill pay, free activation, free credit builder and guarantees approval – for a complete review visit us or for more information about the Best Prepaid Credit Cards.

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Avoiding Chargebacks and Credit Card Fraud

More than anything else, its fraud that affects online business. If your online business suffers likewise, its time to make a few changes!


First, lets understand why do chargebacks happen? A chargeback occurs when a cardholder disputes a credit card purchase, for any one or more of the following reasons: –


• The item ordered by the customer was not delivered to him.

• The item delivered to him is damaged or in poor condition.

• The customer feels he hasn’t received what he thought he was buying, or, the customer feels he has been cheating into buying a product that was advertised differently.

• In case the purchase was made on a card lost or stolen from the card holder.

• Sometimes certain customers just use chargebacks to their advantage in order to get out of paying for a product.


So, if the customer is not happy and has initiated a chargeback, the card issuer bank will proceed with the chargeback process on behalf of the card-holder. Sometimes banks do not even inform the merchants about chargebacks, unless it is a clause of their agreement or contract. With the bank being under no obligation to notify the merchant of the chargeback, the bottom-line of the business can get seriously affected, pretty fast!


Chargebacks must be avoided! And to do that, the authenticity and credibility of the cardholder has to be verified. To do that effectively over an online platform, AVS is the best technological tool. AVS stands for Address Verification System; it does not have a 100% guarantee for fraud prevention but is definitely the best that is available today. AVS matches the billing address provided by the customer at the time of purchase with that provided at the time of applying for a credit card. Getting a match for an address and zip code is a good sign. However, if only one of the two matches, it is the merchants’ discretion whether the sale must be authorized or not. If there is no match, then it is in the best interest of the merchant to apologize to the customer and reject the order.


Here is how excessive chargebacks can cause irreparable damage. With every chargeback, not only does a merchant lose the actual inventory and the purchase price, but there are also chargeback fees assessed to the merchant each and every time. Consult your merchant account provider if you do not know what fees you can be hit with. That is not all. Merchants, who have excessive chargebacks, can lose their merchant account without warning. Moreover, they could end up on the MasterCard Match List, a.k.a. Terminated Merchant File, which is looked at by other providers and if you show up on it, this means you will not get a merchant account. You can expect to stay on the list for 5 years too.


Use caution and good judgment while accepting orders. Do not sell to any customer who is unable to complete the verification process. Lesser the chargebacks, better will be your Internet business and merchant account!

For more information, visit Credit Card Processing and Merchant Account Services.

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Credit cards with rewards – The truth about the American Express Preferred Rewards Gold Card

I remember I did was a credit card rewards, while I can. After all, everyone has at least one of these cards not? I tried to discover the rewards cards, Visa and American Express card prize awards. Which card is best?

The AMEX Gold Card Preferred Rewards Card is burned directly from the otherWater.

– Credit cards with rewards

First, I had no problems with the registration or approved for the Golf Rewards Card Preferred. I went online and fill out an application. The application asked the obvious questions, without the annoying problems that you run all over the world trying to track responses. Once I hit the button ‘Send’, I had my code support in less than 1 minute! In addition to this, my credit cardwas a night-me and I could start immediately.

The thing I like most of the AMEX Preferred Rewards Gold Card is over, I earn a different percentage of premiums, if I spend in various categories. For each dollar you spend, no matter what the category can earn 1 Membership Reward Points. It ‘very easy for me to earn points in briefTime.

– Credit cards with rewards

That was very clear in the first three months of me with the card. After I spent $ 500 American Express gave me an added bonus of 10,000 points. I cashed these points for a $ 100 gift card to American Express. ‘Been so easy. I didn ‘t have to keep track of everything that is American Express is for me.

The American Express is known for its popular customer service. I was treated like a kingevery time I contact them with questions or my account. I’m also taking in the enjoyment of their free application for online account management. This program allows me to track my balance, make payments, etc. all from the comfort of my home and almost immediately after making a purchase

http://www.creditcardswithrewards.goodarticlesite.com/the-truth-about-the-american-express-preferred-rewards-gold-card/

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