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How to Use Credit Cards for Online Payments May 21, 2015 by Anne Filed under Featured, Interest Credit Card, Interest Credit Card Advice Running off to the mall or store every time you need to make a purchase is certainly not fun, and you might very well not even find what you’re looking for available at that time, making all that effort futile. Thanks to technology and social media, all you need to do is go online, find what you need, click, and pay – and voila! Your delivery shall be at your doorsteps within a couple of days. Have you ever wondered how this magic happens? How do you pay for those items? And how does the entire process work? Let’s take a look. Step 1- Connecting to a Secured Network Before you can go about buying online, there are a couple of things which you need to keep in mind while shopping online. If you prefer paying through credit cards, then you must make sure that the connection you are using is safe and is private. Check for a padlock sign in the browser next to the URL, or ‘https’ written before the website address in the browser. This is important as unsecured networks can be hacked relatively easily – all information, including your identity and access to your accounts can be controlled by someone else. Step 2- Make your Required Purchases Once you have ensured that the connection is secured, find the items you want and add them to your shopping cart. Once you are ready to check-out, click on your cart and edit the items/ quantity if need be; you’ll be showed the total amount you have to pay for, complete with shipping charges if any. Select proceed once you are completely satisfied. You will then be required to enter information about yourself in the given fields, including name, address, contact info, credit cards you wish to pay from, validity of the credit cards, and the name of the credit card holder. Make sure all information which has been entered is completely authentic, and nothing has been misspelled. Finally, click on place order and print your receipt. Keep in mind that no website will ask you for your PIN – beware of a scam if it does. Step 3- Wait Now that you have paid for your order, open your online bank account. Access your account to check how much money has been deducted. If the amount of deduction is the same amount which was the total of your bill, all you have to do now is wait for the order to be delivered. If there is a problem with the amount, immediately contact your bank and stop the transfer and then contact the online retailers to resolve the issue. 5 Advantages Associated with Business Credit Cards May 19, 2015 by Anne Filed under Featured, Interest Credit Card, Interest Credit Card Info If you are a new business owner who wants to manage and conserve money while moving your business ahead without any compromises on your equipment and other supplies, then business credit cards are for you. These cards are easier to be obtained by business owners and are quite useful; however, you must always keep in mind that these cards are solely for business purposes and not for personal use. Although these business credit cards limit your credit use, they come with other advantages; here are 5 of them; Business based Reward Programs Just like how consumers are able to get advantages through reward programs on their credit cards, these business credit cards are no different either. Instead of getting discounts on clothes or groceries, business owners get to avail special discounts on office supplies, travel for business purposes, equipments, furniture, or even outlets which are related to businesses, like the Home Depot or Sears, even Best Buy and Walgreens, and of course, Target and Walmart. You get the Control of the Driver’s Seat Sometimes, spending cash on the needed supplies can get out of hand. For instance, you send an employee and they on go a shopping spree which could be over your budget; that’s not good, right? The solution is simple – business credit cards allow you to set a certain credit limit, allowing you to make sure no one is spending more than what is needed. This is also a great way to save money and then utilize that cash elsewhere where it may be used better. No more Worries Regarding your Business Credit Often, individuals who do not own a business credit card are worried about their credit ratings. They make all transactions through their personal card, even though that transaction may be for their business related purposes. By doing so, those transactions can influence your credit ratings; however, with a business credit card, things are not like that. Thanks to business credit cards, your transactions will not have any effect on your credit ratings, and paying taxes becomes easier as well as your personal and business transactions will be sorted without you having to constantly work on them. Ranking Boost for your Credit Rating If an individual owns a business credit card and uses it for strict business purposes only, and if they make all payments on time and keep track of all transactions and payments, then they can get a good credit ranking, that too very fast. In order to make sure that happens, ensure the deals which you conduct with the suppliers with reports of all transactions are forwarded ahead to credit bureaus. More Credit Limits Normally, regular credit cards have a low and very limited credit limit; usually you cannot exceed more $20,000-$25,000 depending on the bank, the credit card issuers, and on the type of credit card which you have. Whereas on the other hand, business credit cards often have a credit limit of $50,000 or more which makes buying more equipments and supplies easier and the extra payment will not have to be made by cash or be kept as debt on you till the payment has been made completely. Top 3 Credit Cards Offering the Best Zero Percent Deals May 14, 2015 by Anne Filed under Featured, Interest Credit Card, Interest Credit Card Advice Those who are paying quite the amount of interest know well that it’s one of the factors which can easily drown a person in debt. This is why many individuals who wish to save themselves from paying huge amounts of money through interest opt for the zero percent deals which many credit card issuers are offering these days. APR charges are applied to the balance in your account, so, if you had, let’s say, $10,000 dollars within your account, and the APR rate is 12%, you have to pay $100 as the amount of interest each month. That’s not all; since the charges are incurred every month, and are added to your current balance, more interest is being accrued each month without you even realizing it. In order to cope with the extra and quite heavy burden, many individuals opt for zero percent deals on balance transfers, or go for low APRs. For a limited time, usually up to 1-2 years, the individual will not be charged interest, or will be charged with a minimum APR rate. Here are the top 3 credit cards which offer 0% interest on balance transfers for a limited time! Citi Simplicity Card Citi’s Simplicity MasterCard offers you an APR rate of 0% for 21 months! This deal is not just for balance transfers; it’s also for new purchases as well, and that’s a darn good deal! After the 0% APR period ends, the rate will then vary between 12.99%-22.99%, depending upon your overall credit in the first 21 months. There is a small fee of $5 per balance transfer though after your trial period is over. One more perk offered with this credit card is that you’re not charged late fees or penalties! That’s not all though; another great feature of the zero percent MasterCard is that it has no annual fees either! Discover it Card Looking for more zero percent deals? Check out this one. Discover brings to you the ‘It’ card, offering all individuals 0% charges associated to APR on the transfer of balance, that too for a whole 18 months! After the trial, the APR rate will increase from 0 to 10.99%-22.99%. Again, this depends on your credit history in those 18 months. The rate applied on the balance transfer will then be 3%; on the other hand, there are no penalty interest rates, nor are there any late fees applied to the first late payment, and lastly, there is no over-limit fee either. Chase Slate Card Making it to the top 3 as one of the best zero percent deals is Chase Slate. Not only will you get 15 months of 0% APR, you also get zero balance transfer fee as a bonus feature, for the first 60 days after activating the card! After the trial period is over, the APR rate will either be 12.99%, 17.99%, or 22.99%, depending on your card history, plus, no annual fee! The Ultimate Credit Card Comparison with Cash May 9, 2015 by Anne Filed under Interest Credit Card, Interest Credit Card Info There has always been a war – a war between credit cards and cash. Some support cash, while others ally themselves with credit. The question here is, which side is in the right? Let’s find out; Credit Cards Doing a card comparison with cash, let’s take a look at credit cards first. Initially, the concept of credit cards was birthed to facilitate mobility – being able to carry a large amount of buying power in a plastic card was made possible. Credit card holders don’t have to be worried about carrying a load of cash in their pockets; even if they lose their cards, the person who has it or finds it will not be able to access the money as there is a PIN required for withdrawal. As soon as you realize the card is missing, you can immediately call the bank and ask them to deactivate it, whereas cash cannot be deactivated nor will you be able to get it back, not even through a police complain. This increases the amount of security of the credit card and makes fraud liability very much limited as well. Credit cards let you benefit through different reward programs, like on reaching 5,000 points, you get a small gift hamper, and if you reach 500,000 points, you get free tickets to travel wherever you wish. Cash certainly doesn’t offer any such benefits. Cash Time to see the cash side of things. Credit cards have a spending limit, known as credit line; the person does not have access to a single penny more. Cash has no limits; you can carry as much as you want and spend as much as you will. When you use a credit card, there are chances of being scammed through hidden fees, false taxes, and the chances of identity theft is present where as cash does not have such problems. No need to worry about keeping your identity and information secured and no extra fees or taxes are involved either. The Bottom line Both have their advantages and their disadvantages. Those who prefer cards over cash should sensibly use their cards at the right place, and those who prefer cash should also be careful not to give off any kind of sign which can get them in trouble. What Are Credit Card Balance Transfers and How Do They Work? May 6, 2015 by Anne Filed under Interest Credit Card, Interest Credit Card Advice ‘Balance transfers’ is a term used for transferring money from one account in to another; in the same manner, credit card balance transfers refer to the transfer of money owned by the individual themselves from their account, into another account which is owned by either you, or someone else, and is with a different credit card company. This is an attractive means of balance transfer for customers as they get reward points, low interest rates, and other such attractive perks. This encourages new customers to open an account for the same purpose. Before you decide to get your account set-up, there are a couple of things you need to know and some terms which will be helpful; Normal Rate Normal rate is a term used for describing interest rate on the credit card- the lower the rate, the better it is for you as the more money you save. Interest rates can be charged on each balance transfer you conduct, or on a monthly basis, depending upon the credit card, the company in which the account has been opened in, and the state in which you reside. Generally, the rate per transfer is also the same on which you purchase your credit card. Teaser Rate A teaser rate is given to new customers for a limited time so that they can test the services of the credit card company and that too on a very low interest rate on each of the balance transfers they conduct. Teaser rates are usually used to attract customers. Most credit cards give a teaser of 0% interest rate on the first 3-5 balance transfers, or they have schemes like 0% interest on all transfers for 1-3 months. The duration of the teaser period depends on the company, and before you do open an account, it would be best if you know the duration before the account becomes active, just to make sure you were aware. Transaction Fee A small commission of a transaction fee is applied on all balance transfers you conduct, regardless of how small the amount may be. The fee can vary between 1-5% depending once again upon the credit card company and their rules. It is important you know how much you are paying per transaction as sometimes the credit card companies can charge you extra without you knowing.
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Kako koristiti kreditne kartice za online plaćanja May 21, 2015 po Anne Varalica pod Prikazan, Kamate kreditne kartice, Kamate kreditne kartice Savjeti Trčanje off centre ili pohraniti svaki put kada je potrebno napraviti kupnju svakako nije zabavno, i možda vrlo dobro ni naći ono što tražite dostupne u to vrijeme, čineći sve što je napor uzaludan. Zahvaljujući tehnologiji i društvenim medijima, sve što trebate učiniti je otići online, pronaći ono što vam je potrebno, klik, i platiti – i voila! Prikazivanje će biti na dohvat doorsteps u roku od par dana. Jeste li se ikada zapitali kako se to događa magija? Kako ćete platiti za one stavke? A kako se cijeli proces rada? Idemo pogledati. Korak 1- Povezivanje na zaštićenu mrežu Prije nego što možete ići o kupnji online, Postoji nekoliko stvari koje trebate imati na umu dok shopping online. Ako želite plaćati preko kreditnih kartica, onda morate biti sigurni da je veza koju koristite je sigurno i privatno. Provjerite ima lokota znak u pregledniku pored URL, ili ‘https’ napisano prije adresu web stranice u pregledniku. To je važno jer unsecured mreže mogu biti sjeckan relativno lako – sve informacije, uključujući svoj identitet i pristup svojim računima može kontrolirati netko drugi. Korak 2- Učinite svoj potrebne Kupnja Nakon što ste osigurali da je veza osigurana, pronaći stavke koje želite i dodajte ih u vašu košaricu. Kada ste spremni za check-out, kliknite na košaricu i urediti stavke / količinu ako je potrebno; ćete se pokazali ukupan iznos morate platiti, zajedno s troškove dostave ako je bilo. Odaberite nastaviti nakon što su u potpunosti zadovoljni. Nakon toga će se tražiti da unesete podatke o sebi na odgovarajućim područjima, uključujući ime, adresa, kontakt info, kreditne kartice želite platiti iz, valjanost kreditne kartice, i ime nositelja kreditne kartice. Provjerite je li sve informacije koje su unijeli potpuno autentična, a ništa nije pogrešno. Konačno, kliknite na mjesto kako bi i ispisati priznanicu. Imajte na umu da nema web stranice će vas pitati za PIN – čuvajte muljaža ako to ne. Korak 3- Čekaj Sada kada ste platili za svoj red, otvoriti svoj online bankovni račun. Pristupite svom računu provjeriti koliko novca je oduzeli. Ako je iznos odbitka je isti iznos koji je bio ukupno računu, sve što morate učiniti sada je pričekati kako bi biti isporučena. Ako postoji problem s količinom, odmah kontaktirajte banku i zaustaviti prijenos, a zatim se obratite online trgovaca za rješavanje problema. 5 Prednosti povezane s poslovnim kreditnim karticama May 19, 2015 po Anne Varalica pod Prikazan, Kamate kreditne kartice, Kamate kreditne kartice info Ako ste novi poslovni vlasnik koji želi upravljati i sačuvati novac dok se kreće svoje poslovanje naprijed bez kompromisa na vaše opreme i drugih potrepština, zatim poslovne kreditne kartice su za vas. Ove kartice su lakše dobiti poduzetnika i vrlo su korisne; međutim, uvijek morate imati na umu da su ove kartice su isključivo u poslovne svrhe, a ne za osobnu upotrebu. Iako ove poslovne kreditne kartice ograničiti Vašu kreditnu korištenja, oni dolaze s drugih prednosti; ovdje su 5 od njih; Poslovni temelji plaću programe Baš mi se kako su potrošači moći dobiti prednosti kroz plaću programe na svojim kreditnim karticama, ove poslovne kreditne kartice se ne razlikuje ni. Umjesto da popuste na odjeću ili namirnice, poduzetnika dobiti iskoristiti posebne popuste na uredski materijal, putovanja za poslovne svrhe, opreme, namještaj, ili čak poslovnice koje se odnose na poduzetnike, poput Home Depot ili Sears, čak i Best Buy i walgreens, i naravno, Ciljana i Walmart. Možete dobiti kontrolu nad vozačevo sjedalo Ponekad, trošiti novac na potrebnih pomagala može dobiti iz ruke. Na primjer, šaljete zaposlenika i oni na go shopping veselje koja bi mogla biti u odnosu na proračun; to nije dobro, pravo? Rješenje je jednostavno – poslovne kreditne kartice vam omogućiti da postavite određeni kreditni limit, omogućujući vam da provjerite da nitko ne troši više nego što je potrebno. To je također odličan način za uštedjeti novac, a zatim iskoristiti tu gotovinu negdje drugdje gdje se može koristiti bolje. Nema više brige u vezi vaše poslovne kreditne Često, pojedinci koji ne posjeduju poslovne kreditne kartice su zabrinuti o svojim kreditnim rejtingom. Oni čine sve transakcije kroz njihove osobne iskaznice, iako je transakcija može biti za svoje poslovne svrhe. Time, te transakcije mogu utjecati na vaše kreditne ocjene; međutim, s poslovne kreditne kartice, stvari nisu kao da. Zahvaljujući poslovanje kreditnim karticama, Vaše transakcije neće imati nikakvog utjecaja na vaše kreditne ocjene, i plaćanje poreza postaje lakše, kao i vaše osobne i poslovne transakcije će biti riješeno bez da ste stalno raditi na njima. Poredak Poticaj za vaše kreditnog rejtinga Ako pojedinac posjeduje poslovne kreditne kartice i koristi ga za samo stroge poslovne svrhe, a ako oni čine sve uplate na vrijeme i pratiti sve transakcije i isplate, onda oni mogu dobiti dobru kreditnu rang, da je vrlo brzo. Kako bi bili sigurni da će se dogoditi, osigurati ponude koje provode s dobavljačima s izvješćima svih transakcija prosljeđuju naprijed kreditnih ureda. Više kreditna ograničenja Normalno, redovite kreditne kartice imaju nizak i vrlo ograničen kreditni limit; obično ne može prelaziti više $20,000-$25,000 ovisno o banci, kreditne kartice izdavatelj, i o vrsti kreditne kartice koje imate. Dok, s druge strane,, poslovne kreditne kartice često imaju kreditni limit $50,000 ili više što čini kupuju više opreme i pomagala lakše i dodatni plaćanje neće morati biti u gotovini ili se držati kao duga na vas dok je isplata izvršena u cijelosti. Vrh 3 Kreditne kartice nudi najbolju nula posto ponude May 14, 2015 po Anne Varalica pod Prikazan, Kamate kreditne kartice, Kamate kreditne kartice Savjeti Oni koji plaćaju prilično iznos kamate dobro znaju da je jedan od faktora koji se lako mogu utopiti osobu u dugovima. To je razlog zašto mnogi pojedinci koji se žele spasiti od plaćanja ogromne količine novca kroz kamatne odlučiti za nula posto ponude koje su mnogi kreditne kartice izdavatelj nude ovih dana. Travnja naplaćuje se primjenjuju na stanje na računu, tako, ako ste imali, recimo, $10,000 dolara unutar vašeg računa, i travanj stopa je 12%, morate platiti $100 kao količina interesa svaki mjesec. To nije sve; budući da su troškovi nastali svaki mjesec, i dodao da vaš trenutni saldo, više interesa se obračunava svaki mjesec, bez čak i realizirati ga. Kako bi se nositi s pomoćnim i vrlo teških tereta, mnogi pojedinci odluče za nula posto ponude na saldo transfera, ili ići za niske aprs. Za ograničeno vrijeme, obično do 1-2 godina, pojedinac neće se naplaćivati kamate, ili će biti optužen za minimalnu stopu travnja. Ovdje su top 3 Kreditne kartice koje nude 0% kamate na saldo transfera za ograničeno vrijeme! Citi Jednostavnost kartica Citi jednostavnosti MasterCard nudi vam travnja stopu 0% za 21 months! Ovaj posao nije samo za saldo transfera; to je i za nove kupovine, kao i, i to je prokleto dobar posao! Nakon što 0% Travnja razdoblje završava, stopa onda će varirati između 12.99%-22.99%, ovisno o vašem ukupnom kredita u prva 21 months. Tu je imjesecinaknada od $5 po balance transfer ipak nakon probnog razdoblja je više. Još jedan razmetati ponudi s ovom kreditnom karticom je da ne naplaćuje naknada za zakasninu ili kazne! To nije sve, iako; Druga velika značajka je nula posto MasterCard je da nema godišnju naknadu ili! Otkrijte ga Card Tražite više nula posto ponude? Pogledajte ovaj jedan. Discover brings to you the ‘It’ kartica, nudi sve pojedince 0% troškove povezane s travnja na prijenos ravnoteže, da je previše za cjelinu 18 months! Nakon suđenja, travanj stopa će se povećati od 0 za 10.99%-22.99%. Opet, to ovisi o vašoj kreditnoj povijesti u onima 18mjesecis. Stopa primijenjena na balance transfer će tada biti 3%; s druge strane, nema kaznenih kamata, niti postoje kasno pristojbe primjenjuju na prvom kašnjenja s plaćanjem, i na kraju, nema pretjerano ograničenje naknada ili. Chase Slate kartica Čineći ga na vrh 3 kao jedan od najboljih nula posto bavi se hajka Škriljevac. Ne samo da ćete dobiti 15 mjeseci 0% Travnja, također dobiti nula ravnotežu transfer fee kao bonus, za prvi 60 dana nakon aktiviranja kartice! Nakon probno razdoblje je više, travanj stopa će biti 12.99%, 17.99%, ili 22.99%, Ovisno o vašoj povijesti kartice, plus, nema godišnju naknadu! Konačan kreditne kartice Usporedba s novčanim May 9, 2015 po Anne Varalica pod Kamate kreditne kartice, Kamate kreditne kartice info Tu je uvijek bio rat – rat između kreditnim karticama i gotovinom. Neki podrška gotovinu, dok su drugi se udružiti s kreditima. Pitanje je ovdje, koja je strana u pravu? Idemo saznati; Kreditne kartice Doing usporedbu kartice s gotovinom, neka je pogledati kreditnim karticama prvi. U početku, Koncept kreditnih kartica je rodila olakšati mobilnost – biti u mogućnosti nositi veliku količinu kupovne moći u plastičnu karticu je moguće. Nositelji kreditne kartice ne moraju biti zabrinuti nosi teret novca u svojim džepovima; čak i ako oni izgube svoje karte, osoba koja ima ili nađe da neće biti u mogućnosti pristupiti novac kao što je PIN potreban za povlačenje. Čim ste shvatili kartica nedostaje, možete odmah nazvati banku i pitati ih da ga deaktivirate, dok gotovine ne može isključiti niti će vam biti u mogućnosti da biste dobili natrag, ni kroz policije žaliti. To povećava količinu sigurnosti kreditne kartice i čini prijevara odgovornost vrlo ograničen, kao i. Kreditne kartice vam koristi kroz različite programe nagrađivanja, kao i na postizanje 5,000 points, ćete dobiti malu poklon košaru, a ako dođete 500,00bodovats, dobivate besplatne ulaznice za putovanje gdje god želite. Novac sigurno ne nudi takve prednosti. Gotovina Vrijeme je da se vidi stranu gotovinu stvari. Kreditne kartice imaju ograničenje potrošnje, poznat kao kreditne linije; osoba nema pristup peni više. Novac nema ograničenja; možete nositi koliko želite i provesti koliko god hoćete. Kada koristite kreditnu karticu, postoje šanse scammed preko skrivenih pristojbi, lažni porez, i šanse za krađu identiteta prisutan gdje je kao novčani nema takvih problema. Nema potrebe brinuti o održavanju svog identiteta i podataka osiguran i bez dodatne naknade ili takse su uključene ili. Bottom line Oba imaju svoje prednosti i nedostatke svojih. Oni koji više vole kartice tijekom novca osjetno trebao koristiti svoje kartice na pravom mjestu, a oni koji vole gotovinu također bi trebali biti oprezni da ne odaju bilo kakve znak koji ih mogu dobiti u nevolji. Što su Credit Card saldo transfera i kako rade? May 6, 2015 po Anne Varalica pod Kamate kreditne kartice, Kamate kreditne kartice Savjeti ‘Balance transfers’ je izraz koji se koristi za prijenos novca s jednog računa na drugi; na isti način, kreditna kartica saldo transfera odnose na prijenos novca u vlasništvu pojedinca sami sa svog računa, na drugi račun koji je u vlasništvu ili vas, ili netko drugi, te je s različitim kreditna kartica tvrtke. To je privlačno sredstvo za saldo transfera za korisnike kao što su dobili plaću bodova, niske kamatne stope, i druge takve atraktivne perks. To potiče nove klijente za otvaranje računa za istu namjenu. Prije nego što se odlučite da biste dobili svoj postavljanja računa, Postoji nekoliko stvari koje trebate znati i neke uvjete koji će biti od pomoći; Normalna stopa Normalna stopa je izraz koji se koristi za opisivanje kamatna stopa na kreditne kartice- niža stopa, bolje je za vas kao više novca ćete uštedjeti. Kamatne stope mogu biti naplaćeno na svakoj bilanci prijenosu li provesti, ili na mjesečnoj bazi, ovisno o kreditnoj kartici, Tvrtka u kojoj je otvoren račun u, i stanje u kojem živite. Obično, Stopa po prijenosa je isti na kojoj ste kupiti Vašu kreditnu karticu. Teaser stopa Teaser stope se daje novim korisnicima za ograničeno vrijeme, tako da oni mogu testirati usluge kreditnom karticom tvrtke i da je na vrlo niske kamatne stope na svaki od saldo transfera koje obavljaju. Teaser stope obično se koriste za privlačenje kupaca. Većina kreditnih kartica dati teaser za 0% Kamatna stopa na prvi 3-5 saldo transfera, ili su sheme poput 0% kamata na sve transfere 1-3 mjeseci. Trajanje teaser razdoblja ovisi o tvrtki, i prije nego što učiniti otvoriti račun, to bi bilo najbolje ako znate trajanje Prije račun postaje aktivan, samo da bi bili sigurni da su bili svjesni. Transakcija Naknada Mali povjerenstvo naknadu transakcija primjenjuje na sve saldo transfera što obavljaju, bez obzira koliko mala količina može biti. Naknada može varirati između 1-5% ovisno opet o kreditnom karticom tvrtke i njihovim pravilima. Važno je da znate koliko ste plaćati po transakciji što je ponekad kreditna kartica tvrtke može naplatiti extra bez vas znajući.