Online Credit Card Blog

Yo… asked:


Hello.
I was wondering, If I pay my credit card bill online, do they get it faster then if I were to send it in the mail? Whenever I send a bill I always have to send it at least a week a head of time but If I pay it online, can I do it up to two days before the due date?

ALFREDO

pinkstaxp asked:


Well i need to use paypal and when u add a credit card u have to wait till u see the verification code on the billingstatement. Is there a way to check ur billing statement online?

ETHAN

helloooooo asked:


I’ve been using my credit card for online purchases but I was wondering if it was possible to use my debit card also?Will I need to enter my PIN online or how does it work?Sorry I’ve never tried it this way.Also do I have the same protections as if it were a credit card,I’ve heard some people say that it is not the same.Thank you.

DANIAL

Jimmy Roos asked:


Ask any credit card owner what they fear the most and they’re likely to tell you they fear falling prey to a credit card scam.

Although credit scams have been around for as long as we can remember it is especially now with the advent of the internet that they have become a real headache.

The particular danger with online scams is that it may take a while before you notice it; and by that time your credit card may have been totally maxed out, leaving you in a deep dark hole.

Of course, you can proof that you were not responsible for such debts especially if they happened in a far off place where you could not have been.

However such an experience can shake you up so much, that it puts you off buying online for good.

Now one of the most common ways to get sucked into an online scam is through email. The e-mails are so professionally done that people get fooled easily.

These type of scams are called “phishing” and how it works is this. You’ll receive an email which purports to come from your credit card company, while in reality it is not.

The email message will link to a website prepared by the scammers. When arriving at the website you’ll be prompted to enter your credit card details.

The moment you do this you’ll have revealed your credit card details to the scammers who can then go on a shopping spree with your credit card until it’s maxed out.

Hence the best advice I can give anyone is this. Never click on a link in an email from someone you don’t trust, even if it threatens to suspend or close your account. This by the way, is a well-known tactic used by scammers to prompt you into taking the desired action, which is to click on their email link.

One thing to remember is that a real and legitimate business will never ask for your personal details in an email. The best thing to do if you’re at all suspicious about an email you received is to give your credit card company a call. They will quickly be able to tell you if this email is legitimate or not. They will probably give you an email address, so that you can forward the suspicious email to them.



ARTHUR

Hector Milla asked:


Online credit card debt consolidation companies is a new niche that has been growing tremendously in the past years.

The reason for that is not a good one, at least not for the customers that need to rely on this type of service to get on with their lives, but the fact that they exist is great news for those that are in the need of a better way to rearrange their credit and debt so they may pay it all off sooner than later.

Hector Milla Editor of the “Credit Card Debt Free” website — http://www.CreditCardDebtFree.org — pointed out;

“…If you find yourself in a situation similar to this, you should know that there are reliable and worthwhile companies that offer their services initially online but that also offer support and the entire help you need in real person, the only difference is that most of the service is made via email, chat and phone calls…”

Like any other line of business, there are those that are not entirely trustworthy and there are those that have proven to be doing everything in their power to provide a professional and compassionate service. It doesn’t matter how much you look, you will find more and more of both types, the sleazy and the reputable. The difference lies on what service they have provided in the past and what their customers say about it.

“…If the service you are considering to use among all the Credit Card Debt Consolidation Companies you have researched has been on business for a while, the chances are that this particular company has had experience providing the type of help you need. Do a research online for reviews and reliable search engines and other credit websites that are linked to that individual business. Don’t just believe in what the company’s website says. Do your homework and have total peace of mind when deciding what you are going to do with your financial situation…” added H. Milla.

This is the only way to know if the credit card company that will consolidate your debt is good enough to work with you or not.

Further information about trusted and reputable companies for credit card debt settlement by visiting; http://www.CreditCardDebtFree.org



LUKE

Jonny asked:


Anyone who has a TD visa credit card- is it possible to view your credit card statement “LIVE” online? meaning you can keep track of what was ordered on your credit card without waiting for your credit card statement at the end of the month.

JIMMIE

Matt Ryan: Future NFL HOF asked:


I want to order something online. Is there a way you can order something without a credit card? I don’t want to ask my parents because they will say say no. They always say no. A few months ago I used their credit card, but I didn’t get caught. When the credit card records came, I blamed it on the item they bought a few days ago. Or is there a way to order something, but it won’t show on the credit card records? and can you have a credit card before age 18?

JULIAN

Uma A Ilango asked:


5 Things To Consider When Hiring Online Credit Card Processing Services

Branching out globally is a sure way to keep your clientele growing voluminously. With an online credit card processor, you can now accept all forms of payment anytime from anywhere in the world. However, selecting the best online credit card processing service will probably seem a little daunting with the number of options available in the market. Let us look at 5 main points that you should consider to make the task viable.

1) Fixed fees

Learn about all the costs by reading your contract conscientiously. The common fixed costs are as follows:

Start up costs Gateway fees Statement fees Monthly minimum fees Software costs

Please note that as the market is very competitive, some online credit card processing service providers offer all or some of the above for free. Be sure to compare as many service providers as you can before reaching a decision. Also be aware that some providers may charge hidden costs that may have been added on arbitrarily. Read your contract carefully before making the final decision.

2) Transaction fees and discount rates

These charges are applied to every credit card payment that you accept. It is important that you select a service provider which enables you to increase your profits. Your selection has to be suitable for your type of business and transactions. Suppose your transaction fee is $0.25, your discount rate is 3% and your sale is $100, then you would make $96.75 from that sale and pay your provider $3.25. If your transaction fee and discount rate is the same as above while your sale is $1000, you would then make $969.75 and pay your provider $30.25.

Let us say that you managed to shop around more and find a better deal with a transaction fee of $0.20 and discount rate of 2.25%. You would then effectively make $977.30 and pay your provider $22.70 for the same $1000 sale. However, if your average sale is only $100, the lower charges would cost you only $2.45. Since your average sales size is small, the difference in the charges may not make much difference to you. You should then focus more on the monthly fixed costs when making the final decision. As you can see, depending on your volume and size of sales, a small difference in the charges may or may not translate to big differences in your profits and expenses. Search for the best deal that suits your business needs.

3) Security

Credit card numbers are stolen every day. In order to protect your customers as well as your business, ensure that the online credit card processing service provider you hire is secure, and encrypted. One of the accreditation you can look for is ScanAlert. It is given to providers who are considered safe from hacking and who comply with the rules set up by the major credit card companies in the world to protect your customers’ credit card information. For further information you may want to refer to http://www.scanalert.com/. To help identify service providers who would protect you and your customers, search for customer feedback on the security features offered by them.

4) Customer support

As a merchant accepting credit cards online, you are bound to run into problems. In times of need, it is crucial that you receive prompt, effective assistance 24/7. Obtain referrals from currents users of the service provider to ensure that you would be given excellent personalized assistance.

5) Incentives

Once you have compared the all-important rates, security and quality of customer service and narrowed down your choices, you can now focus on the incentives given by the service providers. As online credit card processing service is highly competitive, most service providers are willing to throw in freebies such as free advertising of your company in popular search engines. Get one that gives you value for money.



CASEY

ecksbocks ftw asked:


Like the credit cards and stuff you need for pay pal. What can people do with that information if it gets into the wrong hands?

REED

snakemanJeff asked:


Made pharmacy purchase company, processed by Purchase Merchants Financial in Utah, but no product 2 months. Got 3 responses from referral company with excuses & promises. Any way to ID seller from transaction number my account shows?

RONNIE