As far back as the late 1800s, consumers and merchants exchanged goods through the concept of credit, using credit coins and charge plates as currency. It wasn't until about half a century ago that plastic payments as we know them today became a way of life.
Early beginnings
In the early 1900s, oil companies and department stories issued their own proprietary cards, according to Stan Sienkiewicz, in a paper for the Philadelphia Federal Reserve entitled "Credit Cards and Payment Efficiency." Such cards were accepted only at the business that issued the card and in limited locations. While modern credit cards are mainly used for convenience, these predecessor cards were developed as a means of creating customer loyalty and improving customer service, Sienkiewicz says.
The first bank card, named "Charg-It," was introduced in 1946 by John Biggins, a banker in Brooklyn, according to MasterCard. When a customer used it for a purchase, the bill was forwarded to Biggins' bank. The bank reimbursed the merchant and obtained payment from the customer. The catches: Purchases could only be made locally, and Charg-It cardholders had to have an account at Biggins' bank. In 1951, the first bank credit card appeared in New York's Franklin National Bank for loan customers. It also could be used only by the bank's account holders.
The Diners Club Card was the next step in credit cards. According to a representative from Diners Club, the story began in 1949 when a man named Frank McNamara had a business dinner in New York's Major's Cabin Grill. When the bill arrived, Frank realized he'd forgotten his wallet. He managed to find his way out of the pickle, but he decided there should be an alternative to cash. McNamara and his partner, Ralph Schneider, returned to Major's Cabin Grill in February of 1950 and paid the bill with a small, cardboard card. Coined the Diners Club Card and used mainly for travel and entertainment purposes, it claims the title of the first credit card in widespread use.
Plastic debuts
By 1951, there were 20,000 Diners Club cardholders. A decade later, the card was replaced with plastic. Diners Club Card purchases were made on credit, but it was technically a charge card, meaning the bill had to be paid in full at the end of each month.
According to its archivist, American Express formed in 1850. It specialized in deliveries as a competitor to the U.S. Postal Service, money orders (1882) and traveler's checks, which the company invented in 1891. The company discussed creating a travel charge card as early as 1946, but it was the launch of the rival Diners Club card that put things in motion.
In 1958 the company emerged into the credit card industry with its own pruduct, a purple charge card for travel and entertainment expenses. In 1959, American Express introduced the first card made of plastic (previous cards were made of cardboard or celluloid).
American Express soon introduced local currency credit cards in other countries. One million cards were being used at about 85,000 establishements within the first five years, both in and out of the U.S. In the 1990s, the company expanded into an all-purpose card. American Express, or Amex as it often is called, is about to celebrate its 50th credit card anniversary.
Closed-loop system
The Diners Club and American Express cards "functioned in what is known as a 'closed-loop' system, made up of the consumer, the merchant and the issuer of the card," Sienkiewicz writes. "In this structure, the issuer both authorizes and handles all aspects of the transaction and settles directly with both the consumer and the merchant."
In 1959, the option of maintaining a revolving balance was introduced, according to MasterCard. This meant cardholders no longer had to pay off their full bills at the end of each cycle. While this carried the risk of accumulating finance charges, it gave customers greater flexibility in managing their money.
Bank card associations
"The general-purpose credit card was born in 1966, when the Bank of America established the BankAmerica Service Corporation that franchised the BankAmericard brand (later to be known as Visa) to banks nationwide," Sienkiewicz writes.
In 1966, a national credit card system was formed when a group of credit-issuing banks joined together and created the InterBank Card Association, according to MasterCard. The ICA is now known as MasterCard Worldwide, though it was temporarily known as MasterCharge. This organization competes directly with a similar Visa program.
"The new bank card associations were different from their predecessors in that an 'open-loop' system was now created, requiring interbank cooperation and funds transfers," Sienkiewicz says. Visa and MasterCard still maintain "open-loop" systems, whereas American Express, Diners Club and Discover Card remain "closed-loop."
Visa and MasterCard's organizations both issue credit cards through member banks and set and maintain the rules for processing. They are both run by board members who are mostly high-level executives from their member banking organizations.
As the bank card industry grew, banks interested in issuing cards became members of either the Visa association or MasterCard association. Their members shared card program costs, making the bank card program available to even small financial institutions. Later, changes to the association bylaws allowed banks to belong to both associations and issue both types of cards to their customers.
Credit card processing evolves
As credit card processing became more complicated, outside service companies began to sell processing services to Visa and MasterCard association members. This reduced the cost of programs for banks to issue cards, pay merchants and settle accounts with cardholders, thus allowing greater expansion of the payments industry.
Visa and MasterCard developed rules and standardized procedures for handling the bank card paper flow in order to reduce fraud and misuse of cards. The two associations also created international processing systems to handle the exchange of money and information and established an arbitration procedure to settle disputes between members.
Other issuers join the party
Although American Express was among the first companies to issue a charge card, it wasn't until 1987 that it issued a credit card allowing customers to pay over time rather than at the end of every month. Its original business model focused on the travel and entertainment charges made by business people, which involved significant revenue from merchants and annual membership fees from customers. While these products are still in its tool chest, the company has developed numerous no-annual fee credit cards offering low introductory rates and reward programs, similar to as traditional bank cards.
Another relatively recent entry into the card business is Discover Card, originally part of the Sears Corporation. According to Discover, its first card was unveiled at the 1986 Super Bowl. Discover Card Services sought to create a new brand with its own merchant network, and the company has been successful at developing merchant acceptance. A 2004 antitrust court ruling against Visa and MasterCard -- initiated by the U.S. governement and the Department of Justice -- changed the exclusive relationship that Visa and MasterCard enjoyed with banks. It allows banks and other card issuers to provide customers with American Express or Discover cards, in addition to a Visa or MasterCard.
The future
While the plastic card has been the standard for a half century, recent developments show alternative forms of payment rising to prominence, from online services such as PayPal to credit card keyfobs to chips that can be implanted into cell phones or other devices.
But with the sheer volume of devices in use around America whose sole purpose is to read a flat piece of plastic with a magnetic stripe, the "card" in "credit card" is unlikely to pass from the scene any time soon.
Friday, October 30, 2009
Accept Credit Card Payments
A
Accept Credit Card Online
Accept Credit Cards for Small Business
Alpena Credit Card Processing
American Express Merchant Service
C
Cheap Credit Card Processing
Credit Card Machines
Credit Card Merchant Accounts
Credit Card Merchant Service
C cont.
Credit Card Payment Software
Credit Card Reader
F
Free Merchant Account Credit Card Processing Online
M
Merchant Account Services Orange County
Merchant Account to Accept Card Credit Online
Merchant Credit Processing
P
Payment Systems
R
Retail Costco Credit Card Merchant Account
T
Tawas Credit Card Processing
Increasing Payment Options
When a seller decides to accept credit card payments, they give buyers the option of using a credit card for their purchase and make payments for purchases more convenient for both the buyer and the seller. Buyers can purchase without having to provide cash or a check. With credit cards as a payment option, sellers can simplify the payment transaction, speed up the payment process and minimize their need to handle cash.
Steps to Accept Credit Card Payments
A seller who accepts credit card payments needs to make a series of important decisions including the payment processor, communication network software and equipment as well as, potentially, the point-of-sale equipment. Accept Credit Card Payments is the place to get the information you need to make those decisions.
Information from National and Regional Providers
Sometime the "perfect" solution is a national provider, but sometimes a regional or local provider can better meet your needs. This is the place to find information on national, regional and local credit card payment providers, payment software and hardware. Features and trends are discussed to provide the seller with practical information to help them select the right program, software and hardware.
LoveToKnow Provides Expert Knowledge
The information provided in LoveToKnow Accept Credit Card Payments combines the experience of experts in the credit card payment industry as well as the research of the current procedures and trends in the industry. If you have a question or are looking for information that is not covered in one of the articles, you can request additional information by completing the "Comments" box at the bottom of any articles. Your question will be researched and answered promptly.
Accept Credit Card Online
Accept Credit Cards for Small Business
Alpena Credit Card Processing
American Express Merchant Service
C
Cheap Credit Card Processing
Credit Card Machines
Credit Card Merchant Accounts
Credit Card Merchant Service
C cont.
Credit Card Payment Software
Credit Card Reader
F
Free Merchant Account Credit Card Processing Online
M
Merchant Account Services Orange County
Merchant Account to Accept Card Credit Online
Merchant Credit Processing
P
Payment Systems
R
Retail Costco Credit Card Merchant Account
T
Tawas Credit Card Processing
Increasing Payment Options
When a seller decides to accept credit card payments, they give buyers the option of using a credit card for their purchase and make payments for purchases more convenient for both the buyer and the seller. Buyers can purchase without having to provide cash or a check. With credit cards as a payment option, sellers can simplify the payment transaction, speed up the payment process and minimize their need to handle cash.
Steps to Accept Credit Card Payments
A seller who accepts credit card payments needs to make a series of important decisions including the payment processor, communication network software and equipment as well as, potentially, the point-of-sale equipment. Accept Credit Card Payments is the place to get the information you need to make those decisions.
Information from National and Regional Providers
Sometime the "perfect" solution is a national provider, but sometimes a regional or local provider can better meet your needs. This is the place to find information on national, regional and local credit card payment providers, payment software and hardware. Features and trends are discussed to provide the seller with practical information to help them select the right program, software and hardware.
LoveToKnow Provides Expert Knowledge
The information provided in LoveToKnow Accept Credit Card Payments combines the experience of experts in the credit card payment industry as well as the research of the current procedures and trends in the industry. If you have a question or are looking for information that is not covered in one of the articles, you can request additional information by completing the "Comments" box at the bottom of any articles. Your question will be researched and answered promptly.
Credit Card Help
A
Always Read Contract Terms and Conditions
C
Can I Negotiate Credit Card Debt Reduction
Consumer Credit Bureau Reports
Credit Card Balance Transfers
Credit Card Comparison
Credit Card Laws
Credit Card Offers
Credit Cards for Foreign Travel
Credit Dispute Letters
Credit Report Score Chart
D
Due Dates
F
Fair Credit Billing Act
F cont.
Fast Credit Report Repair
Free FICO Score
G
Get a Higher Credit Limit
H
How to Lower Credit Card Rates
How to Lower Interest Rates
How to Explain APR Interest
I
Interest Rate
P
Payments
Personal Credit Report
Protecting Your Credit Card Numbers
S
Stop Credit Card Offers
W
What Is APR
What is a Good Credit Score
Credit Card Help is designed to quickly give you the basic information you need to be a better credit card user. Whether you are new to credit cards or already have a handful of cards in your wallet, it's easy to get confused with all the credit card terms, concepts, "do's" and "don'ts".
When you have more time or need more explanation, check out the detailed articles here at LoveToKnow Credit Cards. They are loaded with helpful information and tips that you can start using today to make better credit card decisions.
LoveToKnow Credit Card Help
It's easy to get overwhelmed with all the credit card offers, the news reports on fraud and identity theft, and the information you hear about credit "hot topics" like FICO credit scores. Our team of writers concentrates on providing you with information on all aspects of credit cards. Sometimes all you need is a quick piece of information or an explanation of a term or a concept. That's a great time to come to Credit Card Help for the info you need... quickly.
Smart Credit Management Starts Here
Credit Card Help is a quick start towards understanding the basics of credit card money management. Our team is ready to get you the information you need to get both the quick answers and the in-depth information on the sometimes confusing, and often overwhelming world of credit cards. If you need more credit card information, or you want a more basic explanation of something you've read here, just let us know. Add your thoughts in the comments section on the bottom of any article. Our credit experts are dedicated to giving you the information you want in a format that's easy and quick for you to use.
Always Read Contract Terms and Conditions
C
Can I Negotiate Credit Card Debt Reduction
Consumer Credit Bureau Reports
Credit Card Balance Transfers
Credit Card Comparison
Credit Card Laws
Credit Card Offers
Credit Cards for Foreign Travel
Credit Dispute Letters
Credit Report Score Chart
D
Due Dates
F
Fair Credit Billing Act
F cont.
Fast Credit Report Repair
Free FICO Score
G
Get a Higher Credit Limit
H
How to Lower Credit Card Rates
How to Lower Interest Rates
How to Explain APR Interest
I
Interest Rate
P
Payments
Personal Credit Report
Protecting Your Credit Card Numbers
S
Stop Credit Card Offers
W
What Is APR
What is a Good Credit Score
Credit Card Help is designed to quickly give you the basic information you need to be a better credit card user. Whether you are new to credit cards or already have a handful of cards in your wallet, it's easy to get confused with all the credit card terms, concepts, "do's" and "don'ts".
When you have more time or need more explanation, check out the detailed articles here at LoveToKnow Credit Cards. They are loaded with helpful information and tips that you can start using today to make better credit card decisions.
LoveToKnow Credit Card Help
It's easy to get overwhelmed with all the credit card offers, the news reports on fraud and identity theft, and the information you hear about credit "hot topics" like FICO credit scores. Our team of writers concentrates on providing you with information on all aspects of credit cards. Sometimes all you need is a quick piece of information or an explanation of a term or a concept. That's a great time to come to Credit Card Help for the info you need... quickly.
Smart Credit Management Starts Here
Credit Card Help is a quick start towards understanding the basics of credit card money management. Our team is ready to get you the information you need to get both the quick answers and the in-depth information on the sometimes confusing, and often overwhelming world of credit cards. If you need more credit card information, or you want a more basic explanation of something you've read here, just let us know. Add your thoughts in the comments section on the bottom of any article. Our credit experts are dedicated to giving you the information you want in a format that's easy and quick for you to use.
Credit Cards Slideshows
D
Delta Sky Miles
F
Five Ways to Get a Good Credit Score
H
How Can I Improve My Credit Score Fast
How Does Debt Consolidation Work
How to Explain APR Interest
L
Laws on Credit Card Fraud
P
Prepaid Debit Cash Cards
S
Slideshow:Credit Card Debt Elimination
Slideshow:Credit Score Scale
S cont.
Slideshow:How Do Collection Agencies Work
Slideshow:How Do I Get Rid of Debt
Slideshow:Identity Theft Facts
Slideshow:List of Precautions for Identity Theft
Slideshow:New Credit Card Laws
Slideshow:Prepaid Credit Cards for Teenagers
Slideshow:Tips on Credit Card Consolidation
Slideshow:Ways to Pay Off Debt
T
Tips For Paying Off Credit Card Debt
W
What to Say When You Can't Pay
Delta Sky Miles
F
Five Ways to Get a Good Credit Score
H
How Can I Improve My Credit Score Fast
How Does Debt Consolidation Work
How to Explain APR Interest
L
Laws on Credit Card Fraud
P
Prepaid Debit Cash Cards
S
Slideshow:Credit Card Debt Elimination
Slideshow:Credit Score Scale
S cont.
Slideshow:How Do Collection Agencies Work
Slideshow:How Do I Get Rid of Debt
Slideshow:Identity Theft Facts
Slideshow:List of Precautions for Identity Theft
Slideshow:New Credit Card Laws
Slideshow:Prepaid Credit Cards for Teenagers
Slideshow:Tips on Credit Card Consolidation
Slideshow:Ways to Pay Off Debt
T
Tips For Paying Off Credit Card Debt
W
What to Say When You Can't Pay
Debt Help
B
Bad Credit Credit Cards Balance Transfers
Bankruptcy Appraiser
C
Can Collection Agency Sue for a Debt
Can a Credit Card Company Sue You
Card Credit Debt Letter Settlement
Christian Debt Consolidation
Collection Agency Debt
Collection Agency Procedure to Collect Unpaid Debt
College Student Misusing Credit Cards
Conditions for Filing Chapter Thirteen Bankruptcy
Consolidate Debt
Consumer Counseling Credit Debt Management Organization
Consumer Credit Counseling
Consumer Reports Credit Counseling Services
Credit Card Debt Help
Credit Card Debt Settlement
Credit Card Debt Solutions
Credit Card Settlement
Credit Consultant and Debt Settlement Company
Credit Counseling
Credit Counselors
Credit Protection Association
D
Dealing with Collection Agencies
Debt Advice
Debt Calculator
Debt Collection Laws
Debt Collection Statute of Limitations
Debt Consolidation Non Profit
Debt Consolidation Programs
Debt Consolidation Service
Debt Cures
Debt Management Credit Counseling
Debt Negotiation
Debt Problem
D cont.
Debt Relief
Debt Settlement
Debt Settlements and Taxes
Debt Solutions
Do It Yourself Card Credit Debt Settlement
E
Eliminate Credit Card Debt
Erase Bad Credit
Expert Interview: Dealing with Collection Agencies
Expert Interview: Repair and Fix Bad Credit After Bankruptcy
F
Fair Debt Collection Practices Act
Frugal Living Advice
G
Get Out of Debt
H
How to Negotiate With Credit Card Companies
How to Pay Down Debt
How to Pay Off Credit Cards
I
Improve My Credit Score for Free
M
Military Credit Card Debt Consolidation
N
Nonprofit Debt Consolidation Services
P
Pay Off Credit Cards Fast
Pay Off Debt
Personal Credit Report
Personal Grants to Pay Off Debts
Professional Credit Repair Software
R
Reduce your Debt
S
Slideshow:How Do Collection Agencies Work
Slideshow:How Do I Get Rid of Debt
Slideshow:Ways to Pay Off Debt
Strategies for Improving Credit Score
Student Debt
How Does Debt Consolidation Work
T
The Bankruptcy Handbook
Tips for Getting Out of Debt Fast
Top Debt Consolidation Loans
U
Unsecure Debt Consolidation Loan
B
Bad Credit Credit Cards Balance Transfers
Bankruptcy Appraiser
C
Can Collection Agency Sue for a Debt
Can a Credit Card Company Sue You
Card Credit Debt Letter Settlement
Christian Debt Consolidation
Collection Agency Debt
Collection Agency Procedure to Collect Unpaid Debt
College Student Misusing Credit Cards
Conditions for Filing Chapter Thirteen Bankruptcy
Consolidate Debt
Consumer Counseling Credit Debt Management Organization
Consumer Credit Counseling
Consumer Reports Credit Counseling Services
Credit Card Debt Help
Credit Card Debt Settlement
Credit Card Debt Solutions
Credit Card Settlement
Credit Consultant and Debt Settlement Company
Credit Counseling
Credit Counselors
Credit Protection Association
D
Dealing with Collection Agencies
Debt Advice
Debt Calculator
Debt Collection Laws
Debt Collection Statute of Limitations
Debt Consolidation Non Profit
Debt Consolidation Programs
Debt Consolidation Service
Debt Cures
Debt Management Credit Counseling
Debt Negotiation
Debt Problem
D cont.
Debt Relief
Debt Settlement
Debt Settlements and Taxes
Debt Solutions
Do It Yourself Card Credit Debt Settlement
E
Eliminate Credit Card Debt
Erase Bad Credit
Expert Interview: Dealing with Collection Agencies
Expert Interview: Repair and Fix Bad Credit After Bankruptcy
F
Fair Debt Collection Practices Act
Frugal Living Advice
G
Get Out of Debt
H
How to Negotiate With Credit Card Companies
How to Pay Down Debt
How to Pay Off Credit Cards
I
Improve My Credit Score for Free
M
Military Credit Card Debt Consolidation
N
Nonprofit Debt Consolidation Services
P
Pay Off Credit Cards Fast
Pay Off Debt
Personal Credit Report
Personal Grants to Pay Off Debts
Professional Credit Repair Software
R
Reduce your Debt
S
Slideshow:How Do Collection Agencies Work
Slideshow:How Do I Get Rid of Debt
Slideshow:Ways to Pay Off Debt
Strategies for Improving Credit Score
Student Debt
How Does Debt Consolidation Work
T
The Bankruptcy Handbook
Tips for Getting Out of Debt Fast
Top Debt Consolidation Loans
U
Unsecure Debt Consolidation Loan
Bad Credit Credit Cards Balance Transfers
Bankruptcy Appraiser
C
Can Collection Agency Sue for a Debt
Can a Credit Card Company Sue You
Card Credit Debt Letter Settlement
Christian Debt Consolidation
Collection Agency Debt
Collection Agency Procedure to Collect Unpaid Debt
College Student Misusing Credit Cards
Conditions for Filing Chapter Thirteen Bankruptcy
Consolidate Debt
Consumer Counseling Credit Debt Management Organization
Consumer Credit Counseling
Consumer Reports Credit Counseling Services
Credit Card Debt Help
Credit Card Debt Settlement
Credit Card Debt Solutions
Credit Card Settlement
Credit Consultant and Debt Settlement Company
Credit Counseling
Credit Counselors
Credit Protection Association
D
Dealing with Collection Agencies
Debt Advice
Debt Calculator
Debt Collection Laws
Debt Collection Statute of Limitations
Debt Consolidation Non Profit
Debt Consolidation Programs
Debt Consolidation Service
Debt Cures
Debt Management Credit Counseling
Debt Negotiation
Debt Problem
D cont.
Debt Relief
Debt Settlement
Debt Settlements and Taxes
Debt Solutions
Do It Yourself Card Credit Debt Settlement
E
Eliminate Credit Card Debt
Erase Bad Credit
Expert Interview: Dealing with Collection Agencies
Expert Interview: Repair and Fix Bad Credit After Bankruptcy
F
Fair Debt Collection Practices Act
Frugal Living Advice
G
Get Out of Debt
H
How to Negotiate With Credit Card Companies
How to Pay Down Debt
How to Pay Off Credit Cards
I
Improve My Credit Score for Free
M
Military Credit Card Debt Consolidation
N
Nonprofit Debt Consolidation Services
P
Pay Off Credit Cards Fast
Pay Off Debt
Personal Credit Report
Personal Grants to Pay Off Debts
Professional Credit Repair Software
R
Reduce your Debt
S
Slideshow:How Do Collection Agencies Work
Slideshow:How Do I Get Rid of Debt
Slideshow:Ways to Pay Off Debt
Strategies for Improving Credit Score
Student Debt
How Does Debt Consolidation Work
T
The Bankruptcy Handbook
Tips for Getting Out of Debt Fast
Top Debt Consolidation Loans
U
Unsecure Debt Consolidation Loan
B
Bad Credit Credit Cards Balance Transfers
Bankruptcy Appraiser
C
Can Collection Agency Sue for a Debt
Can a Credit Card Company Sue You
Card Credit Debt Letter Settlement
Christian Debt Consolidation
Collection Agency Debt
Collection Agency Procedure to Collect Unpaid Debt
College Student Misusing Credit Cards
Conditions for Filing Chapter Thirteen Bankruptcy
Consolidate Debt
Consumer Counseling Credit Debt Management Organization
Consumer Credit Counseling
Consumer Reports Credit Counseling Services
Credit Card Debt Help
Credit Card Debt Settlement
Credit Card Debt Solutions
Credit Card Settlement
Credit Consultant and Debt Settlement Company
Credit Counseling
Credit Counselors
Credit Protection Association
D
Dealing with Collection Agencies
Debt Advice
Debt Calculator
Debt Collection Laws
Debt Collection Statute of Limitations
Debt Consolidation Non Profit
Debt Consolidation Programs
Debt Consolidation Service
Debt Cures
Debt Management Credit Counseling
Debt Negotiation
Debt Problem
D cont.
Debt Relief
Debt Settlement
Debt Settlements and Taxes
Debt Solutions
Do It Yourself Card Credit Debt Settlement
E
Eliminate Credit Card Debt
Erase Bad Credit
Expert Interview: Dealing with Collection Agencies
Expert Interview: Repair and Fix Bad Credit After Bankruptcy
F
Fair Debt Collection Practices Act
Frugal Living Advice
G
Get Out of Debt
H
How to Negotiate With Credit Card Companies
How to Pay Down Debt
How to Pay Off Credit Cards
I
Improve My Credit Score for Free
M
Military Credit Card Debt Consolidation
N
Nonprofit Debt Consolidation Services
P
Pay Off Credit Cards Fast
Pay Off Debt
Personal Credit Report
Personal Grants to Pay Off Debts
Professional Credit Repair Software
R
Reduce your Debt
S
Slideshow:How Do Collection Agencies Work
Slideshow:How Do I Get Rid of Debt
Slideshow:Ways to Pay Off Debt
Strategies for Improving Credit Score
Student Debt
How Does Debt Consolidation Work
T
The Bankruptcy Handbook
Tips for Getting Out of Debt Fast
Top Debt Consolidation Loans
U
Unsecure Debt Consolidation Loan
Identity Theft
A
Articles Concerning Identity Theft
C
Citi Credit Monitoring Service
Computer Security
Credit Card Fraud Punishment
Credit Card Generator Download
Credit Card Number Hacking
Credit Card Skimming
Credit Protection
Credit Rights
D
Define Identity Theft
E
Email Credit Card Scams
F
Family Secure Child Identity Theft
H
How Is Identity Theft Accomplished
I
Identity Fraud Services
Identity Theft
Identity Theft Discover Credit Card Fraud Protection
I cont.
Identity Theft Protection
Identity Theft Punishment
Identity Theft Statistics
Identity Theft and Penalty
Internet Security
Is Credit Card Theft a Felony
L
Legal Issues of Identity Theft
LifeLock
P
Password Manager
Prevent Identity Theft
Preventing Cyber Identity Theft
R
Rate of Identity Theft
Reporting Fraud
S
Slideshow:Identity Theft Facts
Slideshow:List of Precautions for Identity Theft
W
Ways to Prevent Identity Theft
A
Articles Concerning Identity Theft
C
Citi Credit Monitoring Service
Computer Security
Credit Card Fraud Punishment
Credit Card Generator Download
Credit Card Number Hacking
Credit Card Skimming
Credit Protection
Credit Rights
D
Define Identity Theft
E
Email Credit Card Scams
F
Family Secure Child Identity Theft
H
How Is Identity Theft Accomplished
I
Identity Fraud Services
Identity Theft
Identity Theft Discover Credit Card Fraud Protection
I cont.
Identity Theft Protection
Identity Theft Punishment
Identity Theft Statistics
Identity Theft and Penalty
Internet Security
Is Credit Card Theft a Felony
L
Legal Issues of Identity Theft
LifeLock
P
Password Manager
Prevent Identity Theft
Preventing Cyber Identity Theft
R
Rate of Identity Theft
Reporting Fraud
S
Slideshow:Identity Theft Facts
Slideshow:List of Precautions for Identity Theft
W
Ways to Prevent Identity Theft
Articles Concerning Identity Theft
C
Citi Credit Monitoring Service
Computer Security
Credit Card Fraud Punishment
Credit Card Generator Download
Credit Card Number Hacking
Credit Card Skimming
Credit Protection
Credit Rights
D
Define Identity Theft
E
Email Credit Card Scams
F
Family Secure Child Identity Theft
H
How Is Identity Theft Accomplished
I
Identity Fraud Services
Identity Theft
Identity Theft Discover Credit Card Fraud Protection
I cont.
Identity Theft Protection
Identity Theft Punishment
Identity Theft Statistics
Identity Theft and Penalty
Internet Security
Is Credit Card Theft a Felony
L
Legal Issues of Identity Theft
LifeLock
P
Password Manager
Prevent Identity Theft
Preventing Cyber Identity Theft
R
Rate of Identity Theft
Reporting Fraud
S
Slideshow:Identity Theft Facts
Slideshow:List of Precautions for Identity Theft
W
Ways to Prevent Identity Theft
A
Articles Concerning Identity Theft
C
Citi Credit Monitoring Service
Computer Security
Credit Card Fraud Punishment
Credit Card Generator Download
Credit Card Number Hacking
Credit Card Skimming
Credit Protection
Credit Rights
D
Define Identity Theft
E
Email Credit Card Scams
F
Family Secure Child Identity Theft
H
How Is Identity Theft Accomplished
I
Identity Fraud Services
Identity Theft
Identity Theft Discover Credit Card Fraud Protection
I cont.
Identity Theft Protection
Identity Theft Punishment
Identity Theft Statistics
Identity Theft and Penalty
Internet Security
Is Credit Card Theft a Felony
L
Legal Issues of Identity Theft
LifeLock
P
Password Manager
Prevent Identity Theft
Preventing Cyber Identity Theft
R
Rate of Identity Theft
Reporting Fraud
S
Slideshow:Identity Theft Facts
Slideshow:List of Precautions for Identity Theft
W
Ways to Prevent Identity Theft
Interviews of Special Interest
A
Always Read Contract Terms and Conditions
C
Can You Be Sued for Credit Card Debts
Consumer Spending: An Interview with a Money Management Expert
Credit Card Debt Consolidation: An Interview with the NFCC
Credit Card Debt Solutions
Credit Card Skimming
Credit Score
D
Dealing with a Collection Agency: An Interview with the Attorney General’s Office
Debt Free Living: An Interview with a CPA
Debt Management: An Interview with a Credit Counselor
E
Expert Interview: Dealing with Collection Agencies
Expert Interview: Repair and Fix Bad Credit After Bankruptcy
F
First Time Credit Cards
H
How to Maintain Good Credit
How to Reduce Credit Card Debt
I
Improve My Credit Score for Free
M
Managing My Debt
P
Personal Finance: Interview with the Buffingtons
Prevent Identity Theft
R
Rate of Identity Theft
T
The Bankruptcy Handbook
Tips for Getting Out of Debt Fast
W
Ways to Improve Credit Score
What do Consumer Credit Reports Rating Scores MeanA
Always Read Contract Terms and Conditions
C
Can You Be Sued for Credit Card Debts
Consumer Spending: An Interview with a Money Management Expert
Credit Card Debt Consolidation: An Interview with the NFCC
Credit Card Debt Solutions
Credit Card Skimming
Credit Score
D
Dealing with a Collection Agency: An Interview with the Attorney General’s Office
Debt Free Living: An Interview with a CPA
Debt Management: An Interview with a Credit Counselor
E
Expert Interview: Dealing with Collection Agencies
Expert Interview: Repair and Fix Bad Credit After Bankruptcy
F
First Time Credit Cards
H
How to Maintain Good Credit
How to Reduce Credit Card Debt
I
Improve My Credit Score for Free
M
Managing My Debt
P
Personal Finance: Interview with the Buffingtons
Prevent Identity Theft
R
Rate of Identity Theft
T
The Bankruptcy Handbook
Tips for Getting Out of Debt Fast
W
Ways to Improve Credit Score
What do Consumer Credit Reports Rating Scores Mean
Always Read Contract Terms and Conditions
C
Can You Be Sued for Credit Card Debts
Consumer Spending: An Interview with a Money Management Expert
Credit Card Debt Consolidation: An Interview with the NFCC
Credit Card Debt Solutions
Credit Card Skimming
Credit Score
D
Dealing with a Collection Agency: An Interview with the Attorney General’s Office
Debt Free Living: An Interview with a CPA
Debt Management: An Interview with a Credit Counselor
E
Expert Interview: Dealing with Collection Agencies
Expert Interview: Repair and Fix Bad Credit After Bankruptcy
F
First Time Credit Cards
H
How to Maintain Good Credit
How to Reduce Credit Card Debt
I
Improve My Credit Score for Free
M
Managing My Debt
P
Personal Finance: Interview with the Buffingtons
Prevent Identity Theft
R
Rate of Identity Theft
T
The Bankruptcy Handbook
Tips for Getting Out of Debt Fast
W
Ways to Improve Credit Score
What do Consumer Credit Reports Rating Scores MeanA
Always Read Contract Terms and Conditions
C
Can You Be Sued for Credit Card Debts
Consumer Spending: An Interview with a Money Management Expert
Credit Card Debt Consolidation: An Interview with the NFCC
Credit Card Debt Solutions
Credit Card Skimming
Credit Score
D
Dealing with a Collection Agency: An Interview with the Attorney General’s Office
Debt Free Living: An Interview with a CPA
Debt Management: An Interview with a Credit Counselor
E
Expert Interview: Dealing with Collection Agencies
Expert Interview: Repair and Fix Bad Credit After Bankruptcy
F
First Time Credit Cards
H
How to Maintain Good Credit
How to Reduce Credit Card Debt
I
Improve My Credit Score for Free
M
Managing My Debt
P
Personal Finance: Interview with the Buffingtons
Prevent Identity Theft
R
Rate of Identity Theft
T
The Bankruptcy Handbook
Tips for Getting Out of Debt Fast
W
Ways to Improve Credit Score
What do Consumer Credit Reports Rating Scores Mean
Line of Credit
A
Attorney Line of Credit
B
Business Line of Credit Online
Business Line of Credit Plum
C
Catalog Credit Line
Citi Flex Line of Credit
L
Law Line of Credit
Law Practice Line of Credit
L cont.
Lawyer Line of Credit
Line of Credit for Attorneys
Line of Credit for Lawyers
Lines of Credit
R
Revolving Line of Credit with Debit Card
S
Seasoned Credit Line
U
Using Line of Credit to Pay Off Credit Card DebtA
Attorney Line of Credit
B
Business Line of Credit Online
Business Line of Credit Plum
C
Catalog Credit Line
Citi Flex Line of Credit
L
Law Line of Credit
Law Practice Line of Credit
L cont.
Lawyer Line of Credit
Line of Credit for Attorneys
Line of Credit for Lawyers
Lines of Credit
R
Revolving Line of Credit with Debit Card
S
Seasoned Credit Line
U
Using Line of Credit to Pay Off Credit Card Debt
Attorney Line of Credit
B
Business Line of Credit Online
Business Line of Credit Plum
C
Catalog Credit Line
Citi Flex Line of Credit
L
Law Line of Credit
Law Practice Line of Credit
L cont.
Lawyer Line of Credit
Line of Credit for Attorneys
Line of Credit for Lawyers
Lines of Credit
R
Revolving Line of Credit with Debit Card
S
Seasoned Credit Line
U
Using Line of Credit to Pay Off Credit Card DebtA
Attorney Line of Credit
B
Business Line of Credit Online
Business Line of Credit Plum
C
Catalog Credit Line
Citi Flex Line of Credit
L
Law Line of Credit
Law Practice Line of Credit
L cont.
Lawyer Line of Credit
Line of Credit for Attorneys
Line of Credit for Lawyers
Lines of Credit
R
Revolving Line of Credit with Debit Card
S
Seasoned Credit Line
U
Using Line of Credit to Pay Off Credit Card Debt
Managing Your Credit
3
3 Major Credit Bureaus
A
Apply for Credit Card
Average Credit Card Debt for a College Student
B
Bad Credit Help
Bad Credit Personal Signature Loans
Bankruptcy Credit Card
Bill Payments
Budgeting
C
Cancel Accounts
Capital One Online Payment
Catalogs with Instant Credit
Compare Debt Negotiation vs Credit Counseling
Consumer Debt
Consumer Spending: An Interview with a Money Management Expert
Credit Card Balance Transfers
Credit Card Bubble
Credit Card Comparison
Credit Card Consolidation FAQ
Credit Card Debt
Credit Card Debt Consolidation: An Interview with the NFCC
Credit Card Debt and College Student
Credit Card Offers
Credit Card Payoff Calculators
Credit Cards for Teens
Credit Consumer
Credit Management
Credit Repair
Credit Report Score
Credit Report Score Chart
Credit Score Ranges
Credit Score Scale
D
Daily Spending Worksheet
Dealing with a Collection Agency: An Interview with the Attorney General’s Office
Debt Calculator
Debt Consolidation Loan Consequences
Debt Free Living: An Interview with a CPA
Debt Management
Debt Management: An Interview with a Credit Counselor
Debt Reduction
Debt Reduction and Taxes
Due Dates
E
Eliminated Credit Card Debt
Erasing Bad Credit Reports
Establish First Time Credit
F
FICO Score Chart
Fair Debt Collection Practices Act
Fair Isaac
Family Budget
Financial Consultant
F cont.
Financial Planning
First Time Credit Cards
Five Ways to Get a Good Credit Score
Fix Bad Credit Report Repair
Free Credit Score Instantly
Free Government Credit Report
Free Online FICO Score
G
Good Credit Score
H
High School Graduates and Department Store Credit Cards
Household Budget
How to Maintain Good Credit
How to Pay Off Credit Cards
How Can I Improve My Credit Score Fast
How Does Debt Consolidation Work
I
Instant Credit Catalogs
Is 700 a Good Credit Score
L
Legal FICO Score Credit Repair
M
Managing My Debt
Money Management
My Credit Card Account
O
Online Payments
P
Pay Bills Online
Pay Capital One Credit Card Bill
Pay Off Credit Cards Fast
Personal Budget
Personal Credit Check
Personal Finance: Interview with the Buffingtons
Personal Finances
Prepaid Debit Card
Prepaid Gas Cards
R
Repair Credit Score
Request Stopping Offer Credit Card
S
Seasoned Credit Line
Slideshow:Credit Card Debt Elimination
Slideshow:Credit Score Scale
Slideshow:Tips on Credit Card Consolidation
Holiday Credit Use
How Much Credit Card Debt Do You Have?
How has your spending changed in the past year?
What is a Good Credit Score
T
Top Debt Consolidation Loans
U
Using Line of Credit to Pay Off Credit Card Debt
V
Visa Gift Card Credit Card Debt Consolidation
W
Ways to Improve Credit Score
Wells Fargo Online Payment
What Does FICO Stand For
What Is A Good FICO Score
What do Consumer Credit Reports Rating Scores Mean
What is Considered a Good Credit Score
What is a Good Credit Score3
3 Major Credit Bureaus
A
Apply for Credit Card
Average Credit Card Debt for a College Student
B
Bad Credit Help
Bad Credit Personal Signature Loans
Bankruptcy Credit Card
Bill Payments
Budgeting
C
Cancel Accounts
Capital One Online Payment
Catalogs with Instant Credit
Compare Debt Negotiation vs Credit Counseling
Consumer Debt
Consumer Spending: An Interview with a Money Management Expert
Credit Card Balance Transfers
Credit Card Bubble
Credit Card Comparison
Credit Card Consolidation FAQ
Credit Card Debt
Credit Card Debt Consolidation: An Interview with the NFCC
Credit Card Debt and College Student
Credit Card Offers
Credit Card Payoff Calculators
Credit Cards for Teens
Credit Consumer
Credit Management
Credit Repair
Credit Report Score
Credit Report Score Chart
Credit Score Ranges
Credit Score Scale
D
Daily Spending Worksheet
Dealing with a Collection Agency: An Interview with the Attorney General’s Office
Debt Calculator
Debt Consolidation Loan Consequences
Debt Free Living: An Interview with a CPA
Debt Management
Debt Management: An Interview with a Credit Counselor
Debt Reduction
Debt Reduction and Taxes
Due Dates
E
Eliminated Credit Card Debt
Erasing Bad Credit Reports
Establish First Time Credit
F
FICO Score Chart
Fair Debt Collection Practices Act
Fair Isaac
Family Budget
Financial Consultant
F cont.
Financial Planning
First Time Credit Cards
Five Ways to Get a Good Credit Score
Fix Bad Credit Report Repair
Free Credit Score Instantly
Free Government Credit Report
Free Online FICO Score
G
Good Credit Score
H
High School Graduates and Department Store Credit Cards
Household Budget
How to Maintain Good Credit
How to Pay Off Credit Cards
How Can I Improve My Credit Score Fast
How Does Debt Consolidation Work
I
Instant Credit Catalogs
Is 700 a Good Credit Score
L
Legal FICO Score Credit Repair
M
Managing My Debt
Money Management
My Credit Card Account
O
Online Payments
P
Pay Bills Online
Pay Capital One Credit Card Bill
Pay Off Credit Cards Fast
Personal Budget
Personal Credit Check
Personal Finance: Interview with the Buffingtons
Personal Finances
Prepaid Debit Card
Prepaid Gas Cards
R
Repair Credit Score
Request Stopping Offer Credit Card
S
Seasoned Credit Line
Slideshow:Credit Card Debt Elimination
Slideshow:Credit Score Scale
Slideshow:Tips on Credit Card Consolidation
Holiday Credit Use
How Much Credit Card Debt Do You Have?
How has your spending changed in the past year?
What is a Good Credit Score
T
Top Debt Consolidation Loans
U
Using Line of Credit to Pay Off Credit Card Debt
V
Visa Gift Card Credit Card Debt Consolidation
W
Ways to Improve Credit Score
Wells Fargo Online Payment
What Does FICO Stand For
What Is A Good FICO Score
What do Consumer Credit Reports Rating Scores Mean
What is Considered a Good Credit Score
What is a Good Credit Score
3 Major Credit Bureaus
A
Apply for Credit Card
Average Credit Card Debt for a College Student
B
Bad Credit Help
Bad Credit Personal Signature Loans
Bankruptcy Credit Card
Bill Payments
Budgeting
C
Cancel Accounts
Capital One Online Payment
Catalogs with Instant Credit
Compare Debt Negotiation vs Credit Counseling
Consumer Debt
Consumer Spending: An Interview with a Money Management Expert
Credit Card Balance Transfers
Credit Card Bubble
Credit Card Comparison
Credit Card Consolidation FAQ
Credit Card Debt
Credit Card Debt Consolidation: An Interview with the NFCC
Credit Card Debt and College Student
Credit Card Offers
Credit Card Payoff Calculators
Credit Cards for Teens
Credit Consumer
Credit Management
Credit Repair
Credit Report Score
Credit Report Score Chart
Credit Score Ranges
Credit Score Scale
D
Daily Spending Worksheet
Dealing with a Collection Agency: An Interview with the Attorney General’s Office
Debt Calculator
Debt Consolidation Loan Consequences
Debt Free Living: An Interview with a CPA
Debt Management
Debt Management: An Interview with a Credit Counselor
Debt Reduction
Debt Reduction and Taxes
Due Dates
E
Eliminated Credit Card Debt
Erasing Bad Credit Reports
Establish First Time Credit
F
FICO Score Chart
Fair Debt Collection Practices Act
Fair Isaac
Family Budget
Financial Consultant
F cont.
Financial Planning
First Time Credit Cards
Five Ways to Get a Good Credit Score
Fix Bad Credit Report Repair
Free Credit Score Instantly
Free Government Credit Report
Free Online FICO Score
G
Good Credit Score
H
High School Graduates and Department Store Credit Cards
Household Budget
How to Maintain Good Credit
How to Pay Off Credit Cards
How Can I Improve My Credit Score Fast
How Does Debt Consolidation Work
I
Instant Credit Catalogs
Is 700 a Good Credit Score
L
Legal FICO Score Credit Repair
M
Managing My Debt
Money Management
My Credit Card Account
O
Online Payments
P
Pay Bills Online
Pay Capital One Credit Card Bill
Pay Off Credit Cards Fast
Personal Budget
Personal Credit Check
Personal Finance: Interview with the Buffingtons
Personal Finances
Prepaid Debit Card
Prepaid Gas Cards
R
Repair Credit Score
Request Stopping Offer Credit Card
S
Seasoned Credit Line
Slideshow:Credit Card Debt Elimination
Slideshow:Credit Score Scale
Slideshow:Tips on Credit Card Consolidation
Holiday Credit Use
How Much Credit Card Debt Do You Have?
How has your spending changed in the past year?
What is a Good Credit Score
T
Top Debt Consolidation Loans
U
Using Line of Credit to Pay Off Credit Card Debt
V
Visa Gift Card Credit Card Debt Consolidation
W
Ways to Improve Credit Score
Wells Fargo Online Payment
What Does FICO Stand For
What Is A Good FICO Score
What do Consumer Credit Reports Rating Scores Mean
What is Considered a Good Credit Score
What is a Good Credit Score3
3 Major Credit Bureaus
A
Apply for Credit Card
Average Credit Card Debt for a College Student
B
Bad Credit Help
Bad Credit Personal Signature Loans
Bankruptcy Credit Card
Bill Payments
Budgeting
C
Cancel Accounts
Capital One Online Payment
Catalogs with Instant Credit
Compare Debt Negotiation vs Credit Counseling
Consumer Debt
Consumer Spending: An Interview with a Money Management Expert
Credit Card Balance Transfers
Credit Card Bubble
Credit Card Comparison
Credit Card Consolidation FAQ
Credit Card Debt
Credit Card Debt Consolidation: An Interview with the NFCC
Credit Card Debt and College Student
Credit Card Offers
Credit Card Payoff Calculators
Credit Cards for Teens
Credit Consumer
Credit Management
Credit Repair
Credit Report Score
Credit Report Score Chart
Credit Score Ranges
Credit Score Scale
D
Daily Spending Worksheet
Dealing with a Collection Agency: An Interview with the Attorney General’s Office
Debt Calculator
Debt Consolidation Loan Consequences
Debt Free Living: An Interview with a CPA
Debt Management
Debt Management: An Interview with a Credit Counselor
Debt Reduction
Debt Reduction and Taxes
Due Dates
E
Eliminated Credit Card Debt
Erasing Bad Credit Reports
Establish First Time Credit
F
FICO Score Chart
Fair Debt Collection Practices Act
Fair Isaac
Family Budget
Financial Consultant
F cont.
Financial Planning
First Time Credit Cards
Five Ways to Get a Good Credit Score
Fix Bad Credit Report Repair
Free Credit Score Instantly
Free Government Credit Report
Free Online FICO Score
G
Good Credit Score
H
High School Graduates and Department Store Credit Cards
Household Budget
How to Maintain Good Credit
How to Pay Off Credit Cards
How Can I Improve My Credit Score Fast
How Does Debt Consolidation Work
I
Instant Credit Catalogs
Is 700 a Good Credit Score
L
Legal FICO Score Credit Repair
M
Managing My Debt
Money Management
My Credit Card Account
O
Online Payments
P
Pay Bills Online
Pay Capital One Credit Card Bill
Pay Off Credit Cards Fast
Personal Budget
Personal Credit Check
Personal Finance: Interview with the Buffingtons
Personal Finances
Prepaid Debit Card
Prepaid Gas Cards
R
Repair Credit Score
Request Stopping Offer Credit Card
S
Seasoned Credit Line
Slideshow:Credit Card Debt Elimination
Slideshow:Credit Score Scale
Slideshow:Tips on Credit Card Consolidation
Holiday Credit Use
How Much Credit Card Debt Do You Have?
How has your spending changed in the past year?
What is a Good Credit Score
T
Top Debt Consolidation Loans
U
Using Line of Credit to Pay Off Credit Card Debt
V
Visa Gift Card Credit Card Debt Consolidation
W
Ways to Improve Credit Score
Wells Fargo Online Payment
What Does FICO Stand For
What Is A Good FICO Score
What do Consumer Credit Reports Rating Scores Mean
What is Considered a Good Credit Score
What is a Good Credit Score
Prepaid Cards
A
ATT Prepaid Phone Cards
American Express Gift Card
American Express Incentive Services Gift Card
B
Buy Prepaid Gasoline Cards
C
Chase Bank Gift Cards
D
Dell Gift Cards
Discounted Prepaid Gas Cards
F
Free Prepaid Credit Cards
G
Georgia Gift Card Law
Gift Card Best Practices
Gift Card Exchange
Gift Cards
Gift Credit Cards
Gift Giving Credit Cards
Green Dot Visa
Grocery Gift Card
I
International Phone Card
International Reloadable Gift Card
M
MCI Prepaid Phone Cards
Merchant Gift Cards
P
Personalized Photo Gift Cards
Place to Get Prepaid Credit Cards
Prepaid American Express Card
Prepaid Credit Cards
Prepaid Credit Cards for Teens
Prepaid Debit Card
P cont.
Prepaid Fuel Cards
Prepaid Maestro Cards
Prepaid Payment Cards
Prepaid Phone Card
Prepaid Travel Cards
Prepaid Visa Travel Card
Prepaid Debit Cash Cards
Purchase American Express Gift Card
R
Reloadable Prepaid Cards
Rush Visa Card
S
Simon Gift Card Visa
Slideshow:Prepaid Credit Cards for Teenagers
T
Target Gift Cards
Total Pay Card
Toys R Us Gift Cards
U
Ultimate Debit Card
Universal Prepaid Debit Cards
V
Vanilla Visa Gift Card
Virtual Prepaid Cards
Visa Cash Card
Visa Gift Card Prepaid Credit Cards
Visa Gift Purchasing Card
W
Wachovia Gift Cards
Walmart Gift Cards
Walmart Prepaid Visa
Western Union Pre Paid Credit Cards
Why Banks Carry American Express Gift CardsA
ATT Prepaid Phone Cards
American Express Gift Card
American Express Incentive Services Gift Card
B
Buy Prepaid Gasoline Cards
C
Chase Bank Gift Cards
D
Dell Gift Cards
Discounted Prepaid Gas Cards
F
Free Prepaid Credit Cards
G
Georgia Gift Card Law
Gift Card Best Practices
Gift Card Exchange
Gift Cards
Gift Credit Cards
Gift Giving Credit Cards
Green Dot Visa
Grocery Gift Card
I
International Phone Card
International Reloadable Gift Card
M
MCI Prepaid Phone Cards
Merchant Gift Cards
P
Personalized Photo Gift Cards
Place to Get Prepaid Credit Cards
Prepaid American Express Card
Prepaid Credit Cards
Prepaid Credit Cards for Teens
Prepaid Debit Card
P cont.
Prepaid Fuel Cards
Prepaid Maestro Cards
Prepaid Payment Cards
Prepaid Phone Card
Prepaid Travel Cards
Prepaid Visa Travel Card
Prepaid Debit Cash Cards
Purchase American Express Gift Card
R
Reloadable Prepaid Cards
Rush Visa Card
S
Simon Gift Card Visa
Slideshow:Prepaid Credit Cards for Teenagers
T
Target Gift Cards
Total Pay Card
Toys R Us Gift Cards
U
Ultimate Debit Card
Universal Prepaid Debit Cards
V
Vanilla Visa Gift Card
Virtual Prepaid Cards
Visa Cash Card
Visa Gift Card Prepaid Credit Cards
Visa Gift Purchasing Card
W
Wachovia Gift Cards
Walmart Gift Cards
Walmart Prepaid Visa
Western Union Pre Paid Credit Cards
Why Banks Carry American Express Gift Cards
ATT Prepaid Phone Cards
American Express Gift Card
American Express Incentive Services Gift Card
B
Buy Prepaid Gasoline Cards
C
Chase Bank Gift Cards
D
Dell Gift Cards
Discounted Prepaid Gas Cards
F
Free Prepaid Credit Cards
G
Georgia Gift Card Law
Gift Card Best Practices
Gift Card Exchange
Gift Cards
Gift Credit Cards
Gift Giving Credit Cards
Green Dot Visa
Grocery Gift Card
I
International Phone Card
International Reloadable Gift Card
M
MCI Prepaid Phone Cards
Merchant Gift Cards
P
Personalized Photo Gift Cards
Place to Get Prepaid Credit Cards
Prepaid American Express Card
Prepaid Credit Cards
Prepaid Credit Cards for Teens
Prepaid Debit Card
P cont.
Prepaid Fuel Cards
Prepaid Maestro Cards
Prepaid Payment Cards
Prepaid Phone Card
Prepaid Travel Cards
Prepaid Visa Travel Card
Prepaid Debit Cash Cards
Purchase American Express Gift Card
R
Reloadable Prepaid Cards
Rush Visa Card
S
Simon Gift Card Visa
Slideshow:Prepaid Credit Cards for Teenagers
T
Target Gift Cards
Total Pay Card
Toys R Us Gift Cards
U
Ultimate Debit Card
Universal Prepaid Debit Cards
V
Vanilla Visa Gift Card
Virtual Prepaid Cards
Visa Cash Card
Visa Gift Card Prepaid Credit Cards
Visa Gift Purchasing Card
W
Wachovia Gift Cards
Walmart Gift Cards
Walmart Prepaid Visa
Western Union Pre Paid Credit Cards
Why Banks Carry American Express Gift CardsA
ATT Prepaid Phone Cards
American Express Gift Card
American Express Incentive Services Gift Card
B
Buy Prepaid Gasoline Cards
C
Chase Bank Gift Cards
D
Dell Gift Cards
Discounted Prepaid Gas Cards
F
Free Prepaid Credit Cards
G
Georgia Gift Card Law
Gift Card Best Practices
Gift Card Exchange
Gift Cards
Gift Credit Cards
Gift Giving Credit Cards
Green Dot Visa
Grocery Gift Card
I
International Phone Card
International Reloadable Gift Card
M
MCI Prepaid Phone Cards
Merchant Gift Cards
P
Personalized Photo Gift Cards
Place to Get Prepaid Credit Cards
Prepaid American Express Card
Prepaid Credit Cards
Prepaid Credit Cards for Teens
Prepaid Debit Card
P cont.
Prepaid Fuel Cards
Prepaid Maestro Cards
Prepaid Payment Cards
Prepaid Phone Card
Prepaid Travel Cards
Prepaid Visa Travel Card
Prepaid Debit Cash Cards
Purchase American Express Gift Card
R
Reloadable Prepaid Cards
Rush Visa Card
S
Simon Gift Card Visa
Slideshow:Prepaid Credit Cards for Teenagers
T
Target Gift Cards
Total Pay Card
Toys R Us Gift Cards
U
Ultimate Debit Card
Universal Prepaid Debit Cards
V
Vanilla Visa Gift Card
Virtual Prepaid Cards
Visa Cash Card
Visa Gift Card Prepaid Credit Cards
Visa Gift Purchasing Card
W
Wachovia Gift Cards
Walmart Gift Cards
Walmart Prepaid Visa
Western Union Pre Paid Credit Cards
Why Banks Carry American Express Gift Cards
Protecting Your Credit
A
Articles Concerning Identity Theft
B
Best Passwords
C
Can You Be Sued for Credit Card Debts
Canadian Credit Bureau
Canadian Credit History
Card Credit Payment Protection UK
Change Passwords
Citi Credit Monitoring Service
Collection Agency Credit Check
Computer Security
Credit & Debt: An Interview with a Financial Expert
Credit Bureaus
Credit Card Via Paypal
Credit Cards for Foreign Travel
Credit History
Credit Protection
Credit Report
Credit Report Innovis
Credit Rights
Credit Score
Credit Scoring Systems
E
Email Credit Card Scams
Equifax
Equifax Canada
Experian Credit Bureau
F
FICO
Fake Visa Card Numbers
F cont.
Family Secure Child Identity Theft
Fraud Protection
Free Annual Credit Report
Free Credit Report Online
Free Credit Report without a Credit Card
Free Credit Score
Free FICO
Free FICO Score
Free Instant Credit Reports
FreeCreditReport.com
From What Date are Negative Items Removed from Credit Score
H
How to Obtain a Copy of Your Credit Report
I
Identity Fraud Services
Identity Theft
Identity Theft Discover Credit Card Fraud Protection
Identity Theft Protection
Identity Theft in America
Internet Security
L
Legal Issues of Identity Theft
LifeLock
M
Mastercard MBNA Internet Credit Card Protection
P
Password Manager
Preventing Cyber Identity Theft
Privacy Policies
R
Reporting Fraud
S
Stolen Credit Card Numbers
T
Teen Credit Card Debt Statistics
TransUnion Credit BureauA
Articles Concerning Identity Theft
B
Best Passwords
C
Can You Be Sued for Credit Card Debts
Canadian Credit Bureau
Canadian Credit History
Card Credit Payment Protection UK
Change Passwords
Citi Credit Monitoring Service
Collection Agency Credit Check
Computer Security
Credit & Debt: An Interview with a Financial Expert
Credit Bureaus
Credit Card Via Paypal
Credit Cards for Foreign Travel
Credit History
Credit Protection
Credit Report
Credit Report Innovis
Credit Rights
Credit Score
Credit Scoring Systems
E
Email Credit Card Scams
Equifax
Equifax Canada
Experian Credit Bureau
F
FICO
Fake Visa Card Numbers
F cont.
Family Secure Child Identity Theft
Fraud Protection
Free Annual Credit Report
Free Credit Report Online
Free Credit Report without a Credit Card
Free Credit Score
Free FICO
Free FICO Score
Free Instant Credit Reports
FreeCreditReport.com
From What Date are Negative Items Removed from Credit Score
H
How to Obtain a Copy of Your Credit Report
I
Identity Fraud Services
Identity Theft
Identity Theft Discover Credit Card Fraud Protection
Identity Theft Protection
Identity Theft in America
Internet Security
L
Legal Issues of Identity Theft
LifeLock
M
Mastercard MBNA Internet Credit Card Protection
P
Password Manager
Preventing Cyber Identity Theft
Privacy Policies
R
Reporting Fraud
S
Stolen Credit Card Numbers
T
Teen Credit Card Debt Statistics
TransUnion Credit Bureau
Articles Concerning Identity Theft
B
Best Passwords
C
Can You Be Sued for Credit Card Debts
Canadian Credit Bureau
Canadian Credit History
Card Credit Payment Protection UK
Change Passwords
Citi Credit Monitoring Service
Collection Agency Credit Check
Computer Security
Credit & Debt: An Interview with a Financial Expert
Credit Bureaus
Credit Card Via Paypal
Credit Cards for Foreign Travel
Credit History
Credit Protection
Credit Report
Credit Report Innovis
Credit Rights
Credit Score
Credit Scoring Systems
E
Email Credit Card Scams
Equifax
Equifax Canada
Experian Credit Bureau
F
FICO
Fake Visa Card Numbers
F cont.
Family Secure Child Identity Theft
Fraud Protection
Free Annual Credit Report
Free Credit Report Online
Free Credit Report without a Credit Card
Free Credit Score
Free FICO
Free FICO Score
Free Instant Credit Reports
FreeCreditReport.com
From What Date are Negative Items Removed from Credit Score
H
How to Obtain a Copy of Your Credit Report
I
Identity Fraud Services
Identity Theft
Identity Theft Discover Credit Card Fraud Protection
Identity Theft Protection
Identity Theft in America
Internet Security
L
Legal Issues of Identity Theft
LifeLock
M
Mastercard MBNA Internet Credit Card Protection
P
Password Manager
Preventing Cyber Identity Theft
Privacy Policies
R
Reporting Fraud
S
Stolen Credit Card Numbers
T
Teen Credit Card Debt Statistics
TransUnion Credit BureauA
Articles Concerning Identity Theft
B
Best Passwords
C
Can You Be Sued for Credit Card Debts
Canadian Credit Bureau
Canadian Credit History
Card Credit Payment Protection UK
Change Passwords
Citi Credit Monitoring Service
Collection Agency Credit Check
Computer Security
Credit & Debt: An Interview with a Financial Expert
Credit Bureaus
Credit Card Via Paypal
Credit Cards for Foreign Travel
Credit History
Credit Protection
Credit Report
Credit Report Innovis
Credit Rights
Credit Score
Credit Scoring Systems
E
Email Credit Card Scams
Equifax
Equifax Canada
Experian Credit Bureau
F
FICO
Fake Visa Card Numbers
F cont.
Family Secure Child Identity Theft
Fraud Protection
Free Annual Credit Report
Free Credit Report Online
Free Credit Report without a Credit Card
Free Credit Score
Free FICO
Free FICO Score
Free Instant Credit Reports
FreeCreditReport.com
From What Date are Negative Items Removed from Credit Score
H
How to Obtain a Copy of Your Credit Report
I
Identity Fraud Services
Identity Theft
Identity Theft Discover Credit Card Fraud Protection
Identity Theft Protection
Identity Theft in America
Internet Security
L
Legal Issues of Identity Theft
LifeLock
M
Mastercard MBNA Internet Credit Card Protection
P
Password Manager
Preventing Cyber Identity Theft
Privacy Policies
R
Reporting Fraud
S
Stolen Credit Card Numbers
T
Teen Credit Card Debt Statistics
TransUnion Credit Bureau
Types of Credit Cards
0% APR Credit Cards
0% Balance Transfer No Annual Fee Credit Cards
A
AAA Visa Credit Card
AMEX Simply Cash
AT&T Universal Card
ATT Prepaid Phone Cards
Airlines Credit Card
Amazon Credit Card
American Express Black Card
American Express Blue
American Express Credit Card
American Express Customer Care
American Express Gift Card
American Express Incentive Services Gift Card
American Express Personal Credit Cards
American Express Platinum Credit Card Online Information
American Express Plum Card
American Express Rewards
American Express Rewards Catalog
American Express Travel Array
Amoco Gas Card
Apply for Gas Card
Applying for Department Store Credit Cards
Aspire Credit Card
B
BP Gas Card
Bad Credit Cards
Bad Credit Credit Cards
Bank One Credit Card
Bank of America Master Card
Bank of America World Points
Business Line of Credit Plum
Buy Prepaid Gasoline Cards
C
CITGO Gas Card
Capital One 0 Percent for 18 Months
Capital One Credit Card
Capital One Miles Reward
Capital One Online Account Services
Capital One Visa Card
Cash Back Credit Cards
Charter One Debit Cards
Chase Card Services
Chase Credit Card
Chase Credit Card Customer Service
Chase Credit Card Payment
Chase Credit Card Payments Online
Chase Manhattan Credit Card
Chevron Credit Card
Chevron Gas Card
Citgo Credit Card
Citi Cards Payment Online
Citi Credit Card
Citibank Credit Card
Citibank Reloadable Debit Card
Citicorp Credit Services
Clout Visa
College Credit Cards
Credit Card Rewards
Credit Card Via Paypal
D
Debit Card
Delta Sky Miles
Department Store Credit Cards
Discounted Prepaid Gas Cards
Discover Card
Discover Gift Cards
Disney Credit Card
E
Easy to Get Credit Cards
Evergreen Credit Union
Exxon Gas Card
Exxonmobil Credit Card
F
Fina Gas Cards
First Equity Visa Card
First National Credit Card
First Premier Bank Centennial Gold Credit Card
First Premier Credit Card
Fleet Credit Card
Ford Motor Credit
Free Credit Cards
Free Prepaid Credit Cards
G
GM Master Card
Gas Card Applications
Gas Cards
Gas Credit Card
Georgia Gift Card Law
Gift Card Best Practices
Gift Card Exchange
Gift Cards
Gift Credit Cards
Gold Cards
Goodyear Credit Card
Green Dot Visa
H
HSBC Card Services
HSBC Credit Cards
HUD Federal Credit Union
Home Depot Credit Card
H cont.
Horrible Credit Unsecured Credit Cards
Household Bank Credit Card
I
Implanted Credit Cards
Instant Credit Catalogs
International Phone Card
International Reloadable Gift Card
L
Legacy Visa Credit Card
Low APR Credit Cards
Low Interest Credit Cards for Balance Transfers
Low Interest Rate Credit Card Balance Transfer Offers
Low Rate Credit Cards for College Student
Lowes Credit Card
M
MBNA 0 APR Credit Card Comparison
MBNA College Student Credit Cards
MBNA Credit Card
MCI Prepaid Phone Cards
Marbles Credit Card
Mastercard
Mobil Gas Cards
N
Navy Federal Credit Union
North Carolina State Employees Credit Union
O
Online MBNA Credit Card Comparison
Orchard Bank Credit Card
P
PayPal Credit Card
Payroll via Debit Card
Pentagon Federal Credit Union
Phillips 66 Credit Card
Platinum Cards
Prepaid American Express Card
Prepaid Credit Cards
Prepaid Credit Cards for Teens
Prepaid Debit Card
Prepaid Fuel Cards
Prepaid Maestro Cards
Prepaid Payment Cards
Prepaid Phone Card
Prepaid Travel Cards
Prepaid Visa Travel Card
Providian Credit Card
Providian Credit Card Payment
R
Reloadable Credit Cards
Reloadable Prepaid Cards
Rush Visa Card
S
Salute Visa
Sam's Club Credit
Sam's Club Discover Card
Score Federal Credit Union
Sears Credit Card
Secured Credit Card Ratings
Secured Credit Cards
Secured Small Business Credit Cards
Shell Credit Cards
Shell Gas Credit Cards
Simon Gift Card Visa
Small Business Credit Cards
Small Business Credit Cards Market
Small Business Starter Credit Cards
Student Credit Cards
Sunoco Credit Card
T
Target Gift Cards
Target Visa
Teenage Credit Cards
Tesco Personal Finance Credit Card
Texaco Gas Cards
Texaco Shell Gas Card
The Best Credit Card
The Chase Credit Card
Total Pay Card
Toys R Us Gift Cards
Travel Rewards Credit Cards
U
Ultimate Debit Card
Union Plus Credit Card
Universal Prepaid Debit Cards
Unsecured Credit Cards
V
Vanilla Visa Gift Card
Veridian Credit Union
Virtual Prepaid Cards
Virtual Visa Debit Card
Visa Black Card
Visa Buxx
Visa Card
Visa Gift Card Prepaid Credit Cards
Visa Gift Purchasing Card
Visa Student Credit Card
Vystar Credit Union
W
Walmart Credit Card
Walmart Discover Card
Walmart MoneyCard
Washington Mutual Visa
Wells Fargo Credit Cards
Wescom Credit Union
Western Union Pre Paid Credit Cards
Which is the Best Travel Rewards Credit Card
Y
Your Business and Credit Cards
0% Balance Transfer No Annual Fee Credit Cards
A
AAA Visa Credit Card
AMEX Simply Cash
AT&T Universal Card
ATT Prepaid Phone Cards
Airlines Credit Card
Amazon Credit Card
American Express Black Card
American Express Blue
American Express Credit Card
American Express Customer Care
American Express Gift Card
American Express Incentive Services Gift Card
American Express Personal Credit Cards
American Express Platinum Credit Card Online Information
American Express Plum Card
American Express Rewards
American Express Rewards Catalog
American Express Travel Array
Amoco Gas Card
Apply for Gas Card
Applying for Department Store Credit Cards
Aspire Credit Card
B
BP Gas Card
Bad Credit Cards
Bad Credit Credit Cards
Bank One Credit Card
Bank of America Master Card
Bank of America World Points
Business Line of Credit Plum
Buy Prepaid Gasoline Cards
C
CITGO Gas Card
Capital One 0 Percent for 18 Months
Capital One Credit Card
Capital One Miles Reward
Capital One Online Account Services
Capital One Visa Card
Cash Back Credit Cards
Charter One Debit Cards
Chase Card Services
Chase Credit Card
Chase Credit Card Customer Service
Chase Credit Card Payment
Chase Credit Card Payments Online
Chase Manhattan Credit Card
Chevron Credit Card
Chevron Gas Card
Citgo Credit Card
Citi Cards Payment Online
Citi Credit Card
Citibank Credit Card
Citibank Reloadable Debit Card
Citicorp Credit Services
Clout Visa
College Credit Cards
Credit Card Rewards
Credit Card Via Paypal
D
Debit Card
Delta Sky Miles
Department Store Credit Cards
Discounted Prepaid Gas Cards
Discover Card
Discover Gift Cards
Disney Credit Card
E
Easy to Get Credit Cards
Evergreen Credit Union
Exxon Gas Card
Exxonmobil Credit Card
F
Fina Gas Cards
First Equity Visa Card
First National Credit Card
First Premier Bank Centennial Gold Credit Card
First Premier Credit Card
Fleet Credit Card
Ford Motor Credit
Free Credit Cards
Free Prepaid Credit Cards
G
GM Master Card
Gas Card Applications
Gas Cards
Gas Credit Card
Georgia Gift Card Law
Gift Card Best Practices
Gift Card Exchange
Gift Cards
Gift Credit Cards
Gold Cards
Goodyear Credit Card
Green Dot Visa
H
HSBC Card Services
HSBC Credit Cards
HUD Federal Credit Union
Home Depot Credit Card
H cont.
Horrible Credit Unsecured Credit Cards
Household Bank Credit Card
I
Implanted Credit Cards
Instant Credit Catalogs
International Phone Card
International Reloadable Gift Card
L
Legacy Visa Credit Card
Low APR Credit Cards
Low Interest Credit Cards for Balance Transfers
Low Interest Rate Credit Card Balance Transfer Offers
Low Rate Credit Cards for College Student
Lowes Credit Card
M
MBNA 0 APR Credit Card Comparison
MBNA College Student Credit Cards
MBNA Credit Card
MCI Prepaid Phone Cards
Marbles Credit Card
Mastercard
Mobil Gas Cards
N
Navy Federal Credit Union
North Carolina State Employees Credit Union
O
Online MBNA Credit Card Comparison
Orchard Bank Credit Card
P
PayPal Credit Card
Payroll via Debit Card
Pentagon Federal Credit Union
Phillips 66 Credit Card
Platinum Cards
Prepaid American Express Card
Prepaid Credit Cards
Prepaid Credit Cards for Teens
Prepaid Debit Card
Prepaid Fuel Cards
Prepaid Maestro Cards
Prepaid Payment Cards
Prepaid Phone Card
Prepaid Travel Cards
Prepaid Visa Travel Card
Providian Credit Card
Providian Credit Card Payment
R
Reloadable Credit Cards
Reloadable Prepaid Cards
Rush Visa Card
S
Salute Visa
Sam's Club Credit
Sam's Club Discover Card
Score Federal Credit Union
Sears Credit Card
Secured Credit Card Ratings
Secured Credit Cards
Secured Small Business Credit Cards
Shell Credit Cards
Shell Gas Credit Cards
Simon Gift Card Visa
Small Business Credit Cards
Small Business Credit Cards Market
Small Business Starter Credit Cards
Student Credit Cards
Sunoco Credit Card
T
Target Gift Cards
Target Visa
Teenage Credit Cards
Tesco Personal Finance Credit Card
Texaco Gas Cards
Texaco Shell Gas Card
The Best Credit Card
The Chase Credit Card
Total Pay Card
Toys R Us Gift Cards
Travel Rewards Credit Cards
U
Ultimate Debit Card
Union Plus Credit Card
Universal Prepaid Debit Cards
Unsecured Credit Cards
V
Vanilla Visa Gift Card
Veridian Credit Union
Virtual Prepaid Cards
Virtual Visa Debit Card
Visa Black Card
Visa Buxx
Visa Card
Visa Gift Card Prepaid Credit Cards
Visa Gift Purchasing Card
Visa Student Credit Card
Vystar Credit Union
W
Walmart Credit Card
Walmart Discover Card
Walmart MoneyCard
Washington Mutual Visa
Wells Fargo Credit Cards
Wescom Credit Union
Western Union Pre Paid Credit Cards
Which is the Best Travel Rewards Credit Card
Y
Your Business and Credit Cards
0
0% APR Credit Cards
0% Balance Transfer No Annual Fee Credit Cards
A
AAA Visa Credit Card
AMEX Simply Cash
AT&T Universal Card
ATT Prepaid Phone Cards
Airlines Credit Card
Amazon Credit Card
American Express Black Card
American Express Blue
American Express Credit Card
American Express Customer Care
American Express Gift Card
American Express Incentive Services Gift Card
American Express Personal Credit Cards
American Express Platinum Credit Card Online Information
American Express Plum Card
American Express Rewards
American Express Rewards Catalog
American Express Travel Array
Amoco Gas Card
Apply for Gas Card
Applying for Department Store Credit Cards
Aspire Credit Card
B
BP Gas Card
Bad Credit Cards
Bad Credit Credit Cards
Bank One Credit Card
Bank of America Master Card
Bank of America World Points
Business Line of Credit Plum
Buy Prepaid Gasoline Cards
C
CITGO Gas Card
Capital One 0 Percent for 18 Months
Capital One Credit Card
Capital One Miles Reward
Capital One Online Account Services
Capital One Visa Card
Cash Back Credit Cards
Charter One Debit Cards
Chase Card Services
Chase Credit Card
Chase Credit Card Customer Service
Chase Credit Card Payment
Chase Credit Card Payments Online
Chase Manhattan Credit Card
Chevron Credit Card
Chevron Gas Card
Citgo Credit Card
Citi Cards Payment Online
Citi Credit Card
Citibank Credit Card
Citibank Reloadable Debit Card
Citicorp Credit Services
Clout Visa
College Credit Cards
Credit Card Rewards
Credit Card Via Paypal
D
Debit Card
Delta Sky Miles
Department Store Credit Cards
Discounted Prepaid Gas Cards
Discover Card
Discover Gift Cards
Disney Credit Card
E
Easy to Get Credit Cards
Evergreen Credit Union
Exxon Gas Card
Exxonmobil Credit Card
F
Fina Gas Cards
First Equity Visa Card
First National Credit Card
First Premier Bank Centennial Gold Credit Card
First Premier Credit Card
Fleet Credit Card
Ford Motor Credit
Free Credit Cards
Free Prepaid Credit Cards
G
GM Master Card
Gas Card Applications
Gas Cards
Gas Credit Card
Georgia Gift Card Law
Gift Card Best Practices
Gift Card Exchange
Gift Cards
Gift Credit Cards
Gold Cards
Goodyear Credit Card
Green Dot Visa
H
HSBC Card Services
HSBC Credit Cards
HUD Federal Credit Union
Home Depot Credit Card
H cont.
Horrible Credit Unsecured Credit Cards
Household Bank Credit Card
I
Implanted Credit Cards
Instant Credit Catalogs
International Phone Card
International Reloadable Gift Card
L
Legacy Visa Credit Card
Low APR Credit Cards
Low Interest Credit Cards for Balance Transfers
Low Interest Rate Credit Card Balance Transfer Offers
Low Rate Credit Cards for College Student
Lowes Credit Card
M
MBNA 0 APR Credit Card Comparison
MBNA College Student Credit Cards
MBNA Credit Card
MCI Prepaid Phone Cards
Marbles Credit Card
Mastercard
Mobil Gas Cards
N
Navy Federal Credit Union
North Carolina State Employees Credit Union
O
Online MBNA Credit Card Comparison
Orchard Bank Credit Card
P
PayPal Credit Card
Payroll via Debit Card
Pentagon Federal Credit Union
Phillips 66 Credit Card
Platinum Cards
Prepaid American Express Card
Prepaid Credit Cards
Prepaid Credit Cards for Teens
Prepaid Debit Card
Prepaid Fuel Cards
Prepaid Maestro Cards
Prepaid Payment Cards
Prepaid Phone Card
Prepaid Travel Cards
Prepaid Visa Travel Card
Providian Credit Card
Providian Credit Card Payment
R
Reloadable Credit Cards
Reloadable Prepaid Cards
Rush Visa Card
S
Salute Visa
Sam's Club Credit
Sam's Club Discover Card
Score Federal Credit Union
Sears Credit Card
Secured Credit Card Ratings
Secured Credit Cards
Secured Small Business Credit Cards
Shell Credit Cards
Shell Gas Credit Cards
Simon Gift Card Visa
Small Business Credit Cards
Small Business Credit Cards Market
Small Business Starter Credit Cards
Student Credit Cards
Sunoco Credit Card
T
Target Gift Cards
Target Visa
Teenage Credit Cards
Tesco Personal Finance Credit Card
Texaco Gas Cards
Texaco Shell Gas Card
The Best Credit Card
The Chase Credit Card
Total Pay Card
Toys R Us Gift Cards
Travel Rewards Credit Cards
U
Ultimate Debit Card
Union Plus Credit Card
Universal Prepaid Debit Cards
Unsecured Credit Cards
V
Vanilla Visa Gift Card
Veridian Credit Union
Virtual Prepaid Cards
Virtual Visa Debit Card
Visa Black Card
Visa Buxx
Visa Card
Visa Gift Card Prepaid Credit Cards
Visa Gift Purchasing Card
Visa Student Credit Card
Vystar Credit Union
W
Walmart Credit Card
Walmart Discover Card
Walmart MoneyCard
Washington Mutual Visa
Wells Fargo Credit Cards
Wescom Credit Union
Western Union Pre Paid Credit Cards
Which is the Best Travel Rewards Credit Card
Y
Your Business and Credit Cards
0% APR Credit Cards
0% Balance Transfer No Annual Fee Credit Cards
A
AAA Visa Credit Card
AMEX Simply Cash
AT&T Universal Card
ATT Prepaid Phone Cards
Airlines Credit Card
Amazon Credit Card
American Express Black Card
American Express Blue
American Express Credit Card
American Express Customer Care
American Express Gift Card
American Express Incentive Services Gift Card
American Express Personal Credit Cards
American Express Platinum Credit Card Online Information
American Express Plum Card
American Express Rewards
American Express Rewards Catalog
American Express Travel Array
Amoco Gas Card
Apply for Gas Card
Applying for Department Store Credit Cards
Aspire Credit Card
B
BP Gas Card
Bad Credit Cards
Bad Credit Credit Cards
Bank One Credit Card
Bank of America Master Card
Bank of America World Points
Business Line of Credit Plum
Buy Prepaid Gasoline Cards
C
CITGO Gas Card
Capital One 0 Percent for 18 Months
Capital One Credit Card
Capital One Miles Reward
Capital One Online Account Services
Capital One Visa Card
Cash Back Credit Cards
Charter One Debit Cards
Chase Card Services
Chase Credit Card
Chase Credit Card Customer Service
Chase Credit Card Payment
Chase Credit Card Payments Online
Chase Manhattan Credit Card
Chevron Credit Card
Chevron Gas Card
Citgo Credit Card
Citi Cards Payment Online
Citi Credit Card
Citibank Credit Card
Citibank Reloadable Debit Card
Citicorp Credit Services
Clout Visa
College Credit Cards
Credit Card Rewards
Credit Card Via Paypal
D
Debit Card
Delta Sky Miles
Department Store Credit Cards
Discounted Prepaid Gas Cards
Discover Card
Discover Gift Cards
Disney Credit Card
E
Easy to Get Credit Cards
Evergreen Credit Union
Exxon Gas Card
Exxonmobil Credit Card
F
Fina Gas Cards
First Equity Visa Card
First National Credit Card
First Premier Bank Centennial Gold Credit Card
First Premier Credit Card
Fleet Credit Card
Ford Motor Credit
Free Credit Cards
Free Prepaid Credit Cards
G
GM Master Card
Gas Card Applications
Gas Cards
Gas Credit Card
Georgia Gift Card Law
Gift Card Best Practices
Gift Card Exchange
Gift Cards
Gift Credit Cards
Gold Cards
Goodyear Credit Card
Green Dot Visa
H
HSBC Card Services
HSBC Credit Cards
HUD Federal Credit Union
Home Depot Credit Card
H cont.
Horrible Credit Unsecured Credit Cards
Household Bank Credit Card
I
Implanted Credit Cards
Instant Credit Catalogs
International Phone Card
International Reloadable Gift Card
L
Legacy Visa Credit Card
Low APR Credit Cards
Low Interest Credit Cards for Balance Transfers
Low Interest Rate Credit Card Balance Transfer Offers
Low Rate Credit Cards for College Student
Lowes Credit Card
M
MBNA 0 APR Credit Card Comparison
MBNA College Student Credit Cards
MBNA Credit Card
MCI Prepaid Phone Cards
Marbles Credit Card
Mastercard
Mobil Gas Cards
N
Navy Federal Credit Union
North Carolina State Employees Credit Union
O
Online MBNA Credit Card Comparison
Orchard Bank Credit Card
P
PayPal Credit Card
Payroll via Debit Card
Pentagon Federal Credit Union
Phillips 66 Credit Card
Platinum Cards
Prepaid American Express Card
Prepaid Credit Cards
Prepaid Credit Cards for Teens
Prepaid Debit Card
Prepaid Fuel Cards
Prepaid Maestro Cards
Prepaid Payment Cards
Prepaid Phone Card
Prepaid Travel Cards
Prepaid Visa Travel Card
Providian Credit Card
Providian Credit Card Payment
R
Reloadable Credit Cards
Reloadable Prepaid Cards
Rush Visa Card
S
Salute Visa
Sam's Club Credit
Sam's Club Discover Card
Score Federal Credit Union
Sears Credit Card
Secured Credit Card Ratings
Secured Credit Cards
Secured Small Business Credit Cards
Shell Credit Cards
Shell Gas Credit Cards
Simon Gift Card Visa
Small Business Credit Cards
Small Business Credit Cards Market
Small Business Starter Credit Cards
Student Credit Cards
Sunoco Credit Card
T
Target Gift Cards
Target Visa
Teenage Credit Cards
Tesco Personal Finance Credit Card
Texaco Gas Cards
Texaco Shell Gas Card
The Best Credit Card
The Chase Credit Card
Total Pay Card
Toys R Us Gift Cards
Travel Rewards Credit Cards
U
Ultimate Debit Card
Union Plus Credit Card
Universal Prepaid Debit Cards
Unsecured Credit Cards
V
Vanilla Visa Gift Card
Veridian Credit Union
Virtual Prepaid Cards
Virtual Visa Debit Card
Visa Black Card
Visa Buxx
Visa Card
Visa Gift Card Prepaid Credit Cards
Visa Gift Purchasing Card
Visa Student Credit Card
Vystar Credit Union
W
Walmart Credit Card
Walmart Discover Card
Walmart MoneyCard
Washington Mutual Visa
Wells Fargo Credit Cards
Wescom Credit Union
Western Union Pre Paid Credit Cards
Which is the Best Travel Rewards Credit Card
Y
Your Business and Credit Cards
Credit Card Generator
Credit card generators are software programs that use different credit card companies' number generating rules to create numerically valid credit card numbers. Their primary use is in credit card fraud, though there are some legitimate uses, such as software testing.
Number hackers try to develop an active credit number for a fake card.
Ads by Google
Credit card generators are software programs that use different credit card companies' number generating rules to create numerically valid credit card numbers. Their primary use is in credit card fraud, though there are some legitimate uses, such as software testing.
Number hackers try to develop an active credit number for a fake card.
Ads by Google
How They Work
You might already have noticed that certain types of cards have certain patterns. A Visa card number starts with a “4,” while a Mastercard number starts with a “5.” The credit card generator software uses these and other rules and generates hundreds, even thousands, of numbers that fit these rules. Obviously, though the law of averages, some of the numbers from the credit card generator are actually active credit card numbers.
How the Fraud Happens
The criminals use the numbers the credit card generator creates and either tests them to see which ones are valid or uses a printer to make fake cards and finds a place that takes credit cards but cannot immediately validate them, such as a trade show. (This is why so many merchants use a wireless credit card reader at shows, and process the cards live to avoid this kind of fraud.)
Usually, the criminal tests the credit card generator numbers by making small transactions on a website that offers live processing. He or she enters number after number, discarding the ones that don't work and making tiny purchases of perhaps just a few cents each for the ones that do. In order to avoid being traced, he or she puts in a bogus address for delivery.
Protection Against Credit Card Generator Fraud
Consumer
As a consumer, you can protect yourself from credit card generator fraud by canceling any credit cards you don't use. This way, criminals won't be able to stumble upon a card you own and perhaps have even forgotten about. (It's especially easy to sign up for cards during a special promotion, like a discount off your purchase or a gift for signing up for a card, and then forget about it later, especially if there aren't additional incentives to keep using that card.)
You can also protect yourself by checking your account activity online every now and again during a billing period. This means that you'll be able to see any suspicious activity and by reporting fraud immediately, you help to protect your credit history as well.
Merchant
As a merchant, your best protection against criminal credit card generators is using additional verification information with any credit card transaction. Credit card generator numbers are a bit like the lottery; the odds of getting an exact match go down dramatically with every extra number you ask for.
Whether you process transactions personally or have shopping cart software doing all the processing, ask for or have the system automate requests for:
The billing address and the shipping address. Make sure that the shipping address and the billing address match or that the shipping address is authorized. Credit card generator software can't create this.
The credit card's expiration date. Software can create this but it's another thing the fake card has to match.
The credit card's security code. This is the three-digit code on the back of the card.
You can also fight fraud by reporting any kind of suspicious purchasing activity, such as repeated unsuccessful attempts to charge small purchases or a series of small purchases..
How They Work
You might already have noticed that certain types of cards have certain patterns. A Visa card number starts with a “4,” while a Mastercard number starts with a “5.” The credit card generator software uses these and other rules and generates hundreds, even thousands, of numbers that fit these rules. Obviously, though the law of averages, some of the numbers from the credit card generator are actually active credit card numbers.
How the Fraud Happens
The criminals use the numbers the credit card generator creates and either tests them to see which ones are valid or uses a printer to make fake cards and finds a place that takes credit cards but cannot immediately validate them, such as a trade show. (This is why so many merchants use a wireless credit card reader at shows, and process the cards live to avoid this kind of fraud.)
Usually, the criminal tests the credit card generator numbers by making small transactions on a website that offers live processing. He or she enters number after number, discarding the ones that don't work and making tiny purchases of perhaps just a few cents each for the ones that do. In order to avoid being traced, he or she puts in a bogus address for delivery.
Protection Against Credit Card Generator Fraud
Consumer
As a consumer, you can protect yourself from credit card generator fraud by canceling any credit cards you don't use. This way, criminals won't be able to stumble upon a card you own and perhaps have even forgotten about. (It's especially easy to sign up for cards during a special promotion, like a discount off your purchase or a gift for signing up for a card, and then forget about it later, especially if there aren't additional incentives to keep using that card.)
You can also protect yourself by checking your account activity online every now and again during a billing period. This means that you'll be able to see any suspicious activity and by reporting fraud immediately, you help to protect your credit history as well.
Merchant
As a merchant, your best protection against criminal credit card generators is using additional verification information with any credit card transaction. Credit card generator numbers are a bit like the lottery; the odds of getting an exact match go down dramatically with every extra number you ask for.
Whether you process transactions personally or have shopping cart software doing all the processing, ask for or have the system automate requests for:
The billing address and the shipping address. Make sure that the shipping address and the billing address match or that the shipping address is authorized. Credit card generator software can't create this.
The credit card's expiration date. Software can create this but it's another thing the fake card has to match.
The credit card's security code. This is the three-digit code on the back of the card.
You can also fight fraud by reporting any kind of suspicious purchasing activity, such as repeated unsuccessful attempts to charge small purchases or a series of small purchases..
Thousands of Credit Card Details Cached in Google
An Australian working in the IT industry has stumbled upon a cached website containing the complete details of around 22,000 credit cards. Most of them belong to US and UK citizens and are issued by Visa, Mastercard, American Express, Solo, Switch, Delta and Maestro/Cirrus.
According to ITnews Australia, the man has discovered the cached page after receiving a Google alert for a particular name. "The alert started with a bunch of other numbers, so I went to the web page and it was just a virtual directory listing with a bunch of directories underneath and a load of files inside," he says.
The IT worker speculated that the website might have served as a payment gateway for various retailers and suppliers, because of the directory listing, which included the names of numerous UK and US companies. Security experts disagree with this conclusion. Given that the website used to be registered to an individual from Vietnam, it's more likely that this was a dump server used by carders, they argue.
The details include cardholder names and addresses, credit card numbers, expiry dates, and even the CVV2 security codes. Filtering out the cards that have expired results in a number of almost 19,000 that could still be active.
After unsuccessfully attempting to contact Visa and Mastercard, the discoverer posted his findings on Whirlpool, a popular Australian IT website. The site's administration has deleted the discussion thread at the request of the Australian Federal Police, which is investigating the case, and has contacted the affected Australian cardholders and the companies that have issued the cards.
A Visa spokesperson has announced that the company has also launched an investigation, but no other details are available at the moment. Rik Ferguson, solutions architect at anti-virus vendor Trend Micro, tells The Register that, "From the moment this content was made public, Trend Micro have been working to help Google, over the course of the weekend, to identify and remove all the offending information."
The cached page was still available long after this story came out and anyone with a bit of experience in complex search queries could have figured out the link. "Google can sometimes be a victim of its own effectiveness, having indexed all available content from the criminal's dump server in Vietnam they inadvertently made thousands of UK credit card details available to the casual browser by serving them up from their own cache," Mr. Ferguson explained.
19,000 UK credit card details posted on the Net...and accessible on Google Read more: http://www.dailymail.co.uk/news/article-1165447/19-000-UK-cre
he credit card details of up to 19,000 British shoppers were published on the internet - where they could be found using a simple search on Google.
The details apparently originated from the website of a criminal gang in the Far East.
The list, obtained by the Mail, includes the names, home addresses and full card details of thousands of Visa, Mastercard and American Express customers.
Google's high-powered search engine inadvertently picked up the list during a 'crawl' of the web - allowing it to be seen and copied.
The credit card details of thousands of Brits could be accessed through search-engine Google
It was still viewable a few days ago, but a spokesman for the banking industry trade body APACS said that many of the cards on the list had already been stopped and others had expired.
However, these users' home addresses - including door numbers and postcodes - were clearly shown, creating the risk of identity theft.
APACS also revealed that banks had merely put a warning flag on the accounts of those customers whose cards were still active, in order to monitor any unusual use.
Disturbingly, however, these customers have not been warned of the security breach.
Details of Visa, Mastercard and American Express customers could be viewed online
Conservative MP Nigel Evans, chairman of the All Party Group on Identity Fraud, said: 'This is hugely worrying. The credit card companies have a duty of care to inform all those involved that they are at risk of identity fraud.'
Any criminals who came across the list could have used them to make purchases worth millions of pounds. Some customers' card details were stolen after making purchases over the internet, while others are known to have been victims of fraud.
It is believed the details were originally on an unsecured server in Vietnam which was linked to a website belonging to the fraudsters. Criminal gangs typically use such websites to trade in stolen card details.
The server was closed down in February by authorities investigating cyber crimes but Google's powerful indexing technology had already located the list and made a copy.
Rik Ferguson, of web security firm Trend Micro, said: 'To find this amount of data on a server which is publicly accessible is a rare event. Organised crime usually protect their ill-gotten gains behind password-protected links on encrypted machines.'
Mr Ferguson also told how he had infiltrated internet forums used by the crooks, where just £250 would buy details of 100 UK cards. Internet banking logins and fake passports were also on sale.
He added: 'The existence of these kinds of carding forums illustrates the booming trade in stolen financial details such as cards and bank accounts.
'Perhaps the greatest surprise to the casual observer will be the relatively low prices for this information. This is driven by the ease of access and the sheer numbers available.'
A spokesman for APACS said: 'The banking industry takes every data breach extremely seriously. We'd like to remind all online businesses of their responsibility to store card details securely.'
The details have now been removed from Google and a spokesman said they could not comment on the specific case.
But he added: 'Search engines such as Google do not have the ability to remove content directly from the internet.'
Read more: http://www.dailymail.co.uk/news/article-1165447/19-000-UK-credit-card-details-posted-Net--accessible-Google.html#ixzz0VVGVehMm
The details apparently originated from the website of a criminal gang in the Far East.
The list, obtained by the Mail, includes the names, home addresses and full card details of thousands of Visa, Mastercard and American Express customers.
Google's high-powered search engine inadvertently picked up the list during a 'crawl' of the web - allowing it to be seen and copied.
The credit card details of thousands of Brits could be accessed through search-engine Google
It was still viewable a few days ago, but a spokesman for the banking industry trade body APACS said that many of the cards on the list had already been stopped and others had expired.
However, these users' home addresses - including door numbers and postcodes - were clearly shown, creating the risk of identity theft.
APACS also revealed that banks had merely put a warning flag on the accounts of those customers whose cards were still active, in order to monitor any unusual use.
Disturbingly, however, these customers have not been warned of the security breach.
Details of Visa, Mastercard and American Express customers could be viewed online
Conservative MP Nigel Evans, chairman of the All Party Group on Identity Fraud, said: 'This is hugely worrying. The credit card companies have a duty of care to inform all those involved that they are at risk of identity fraud.'
Any criminals who came across the list could have used them to make purchases worth millions of pounds. Some customers' card details were stolen after making purchases over the internet, while others are known to have been victims of fraud.
It is believed the details were originally on an unsecured server in Vietnam which was linked to a website belonging to the fraudsters. Criminal gangs typically use such websites to trade in stolen card details.
The server was closed down in February by authorities investigating cyber crimes but Google's powerful indexing technology had already located the list and made a copy.
Rik Ferguson, of web security firm Trend Micro, said: 'To find this amount of data on a server which is publicly accessible is a rare event. Organised crime usually protect their ill-gotten gains behind password-protected links on encrypted machines.'
Mr Ferguson also told how he had infiltrated internet forums used by the crooks, where just £250 would buy details of 100 UK cards. Internet banking logins and fake passports were also on sale.
He added: 'The existence of these kinds of carding forums illustrates the booming trade in stolen financial details such as cards and bank accounts.
'Perhaps the greatest surprise to the casual observer will be the relatively low prices for this information. This is driven by the ease of access and the sheer numbers available.'
A spokesman for APACS said: 'The banking industry takes every data breach extremely seriously. We'd like to remind all online businesses of their responsibility to store card details securely.'
The details have now been removed from Google and a spokesman said they could not comment on the specific case.
But he added: 'Search engines such as Google do not have the ability to remove content directly from the internet.'
Read more: http://www.dailymail.co.uk/news/article-1165447/19-000-UK-credit-card-details-posted-Net--accessible-Google.html#ixzz0VVGVehMm
Credit Card Payments to be Reported to the IRS Beginning 2011 Income from credit and debit card payments to be reported to IRS
Income received through credit and debit card transactions will be reported to the Internal Revenue Service starting in the year 2011.
Banks and merchant services will report annual gross payments processed by credit or debit cards to the IRS and to merchants. There's no word yet on the format these information reports will take. I suspect the reports will likely resemble the 1099 forms that report certain types of income. The law does not take effect until January 1, 2011, so there will be plenty of time for payment processors and business owners to prepare for this new development.
Banks and merchant services will report annual gross payments processed by credit or debit cards to the IRS and to merchants. There's no word yet on the format these information reports will take. I suspect the reports will likely resemble the 1099 forms that report certain types of income. The law does not take effect until January 1, 2011, so there will be plenty of time for payment processors and business owners to prepare for this new development.
Details of Credit Card and Merchant Payment Reporting
Banks and other payment settlement services will need to report gross annual receipts for each merchant. The income reporting will apply to "any transaction in which a payment card is accepted as payment" (new Internal Revenue Code section 6050W(c)(2)). Thus, banks and other financial service providers will be reporting the total, gross amount of credit card and debit card payments for the year for each merchant.
Exception for De Minimis Payments
a merchant's total payment transactions for the year does not exceed $20,000, and
the total number of transactions does not exceed 200.
the total number of transactions does not exceed 200.
Planning Ahead for Credit Card Reporting
Small businesses will want to review their bookkeeping and accounting practices. Once card payment reporting begins, business owners will need to reconcile the information reports submitted by the banks to their own books. Any discrepancies in reporting will need to be addressed so that accurate tax returns can be filed with the IRS. I expect further details regarding this issue after the Treasury Department issues regulations about how banks are supposed to be reporting credit and debit card transactions.
One bookkeeping issue is becoming clear. The new law requires banks to report gross receipts. However, merchants often have chargebacks, issue refunds, or have debit card transactions where the customer receives cash back. Businesses should have thorough accounting procedures to keep track of these items.
One bookkeeping issue is becoming clear. The new law requires banks to report gross receipts. However, merchants often have chargebacks, issue refunds, or have debit card transactions where the customer receives cash back. Businesses should have thorough accounting procedures to keep track of these items.
Payment Card Reporting Requires Merchant Identification
Since financial institutions will need to report credit and debit card receipts to the IRS, merchants will need to provide their payment processor with the full legal name of the business, their address, and taxpayer identification number. For most businesses, this will be their Employer Identification Number (EIN).
Possible Backup Withholding Issues
Merchants who fail to provide their taxpayer identification number could become subject to backup withholding at a rate of 28% on their payments. To prevent backup withholding, merchants should provide their card payment services provider with the name, address, and EIN for the business.
Another concern is that credit card transactions could become subject to backup withholding or garnishment if a business becomes delinquent on their tax payments. Since the withholding or garnishment would occur on gross card payments, this could leave a business in severe financial difficulties. Business owners who are struggling with tax debts should work with their tax professional to develop a repayment strategy that prevents any withholding on their card payments.
Another concern is that credit card transactions could become subject to backup withholding or garnishment if a business becomes delinquent on their tax payments. Since the withholding or garnishment would occur on gross card payments, this could leave a business in severe financial difficulties. Business owners who are struggling with tax debts should work with their tax professional to develop a repayment strategy that prevents any withholding on their card payments.
Advantages of Accepting Credit Cards
Being able to accept credit cards for home-based businesses makes the business more attractive to customers, who appreciate the convenience of charging their purchases. The ability to accept credit cards may also result in increased sales, because customers are better able to make impulse purchases, since they can pay for them instantly. Another benefit of accepting credit cards is that the payments don’t bounce as checks do when there are insufficient funds. You’ll know at the moment when you process the payment if your customer has a balance that can cover the cost of the transaction. Finally, justly or unjustly, the ability to accept credit cards for home-based businesses gives the entrepreneur more credibility and the appearance of being more established than those businesses that accept only cash and checks.
Some home-based business owners are intimidated by the process of accepting credit cards and/or worried about the associated fees. Indeed, fees used to be outrageous, but the growing popularity of e-commerce and the power of the Internet have created a variety of new options for home-based business owners. Today, accepting credit cards isn’t all that difficult, and the increased sales volume and other benefits almost always outweigh the fees that business owners have to pay for this capability.
Getting a Merchant Account
First, you’ll need a merchant account, which is where credit card payments will be deposited. To get a merchant account, you have three options: you can use a bank, a third-party provider like PayPal, or an independent sales organization. The question of which option is best for your business depends on your sales volume, among other factors. In general, businesses with low sales volumes will pay the least with a third-party provider because of the absence of monthly fees, but this arrangement also results in the longest waiting times to actually receive the funds. In contrast, businesses with higher sales volumes will pay the least with a bank or independent sales organization as the discount percentages per transaction are lower than those offered by third party processing companies.
It is important to note, however, that getting approval for a merchant account directly through a bank can be difficult, if not impossible, as many banks refrain from providing credit card processing capability to new or even established home-based businesses, particularly for online businesses that lack a brick-and-mortar counterpart. Consequently, most home-based business owners are best suited by working with an independent sales organization, affiliated with acquiring banks that encourage business relationships with home-based merchants, even with those who have a less-than-perfect credit history. (Many independent sales organizations allow merchants who do not have a favorable credit score to use a cosigner who possesses better credit.)
Another advantage of working through a bank or independent sales organization is that, in essence, your home-based business owns its own merchant account. The advantage of this is that when customers receive their credit card statements, your company’s name will appear beside the purchase amount. In contrast, if you work with a third-party provider, the name of that provider will appear on the statement. Customers are less likely to recognize the third-party provider’s name, and consequently often initiate chargebacks – an expensive, losing proposition for your business.
Establishing an alliance with a bank or independent sales organization offers this additional benefit: Processing limits are more generous. Many third-party processing companies place a lower cap on the monthly volume and highest ticket amount. As your business evolves and grows, you should anticipate a higher transaction volume. Lower processing limits can preclude you from accepting credit cards over a certain threshold level, constraining your business’s growth and cash flow.
In almost all cases, working through an independent sales organization is the best way to get a merchant account and be able to accept credit cards for home-based businesses, but this will depend on your specific circumstances. Many merchant account providers have special packages for home-based businesses, so take the time to shop around for the best deal.
It is important to note, however, that getting approval for a merchant account directly through a bank can be difficult, if not impossible, as many banks refrain from providing credit card processing capability to new or even established home-based businesses, particularly for online businesses that lack a brick-and-mortar counterpart. Consequently, most home-based business owners are best suited by working with an independent sales organization, affiliated with acquiring banks that encourage business relationships with home-based merchants, even with those who have a less-than-perfect credit history. (Many independent sales organizations allow merchants who do not have a favorable credit score to use a cosigner who possesses better credit.)
Another advantage of working through a bank or independent sales organization is that, in essence, your home-based business owns its own merchant account. The advantage of this is that when customers receive their credit card statements, your company’s name will appear beside the purchase amount. In contrast, if you work with a third-party provider, the name of that provider will appear on the statement. Customers are less likely to recognize the third-party provider’s name, and consequently often initiate chargebacks – an expensive, losing proposition for your business.
Establishing an alliance with a bank or independent sales organization offers this additional benefit: Processing limits are more generous. Many third-party processing companies place a lower cap on the monthly volume and highest ticket amount. As your business evolves and grows, you should anticipate a higher transaction volume. Lower processing limits can preclude you from accepting credit cards over a certain threshold level, constraining your business’s growth and cash flow.
In almost all cases, working through an independent sales organization is the best way to get a merchant account and be able to accept credit cards for home-based businesses, but this will depend on your specific circumstances. Many merchant account providers have special packages for home-based businesses, so take the time to shop around for the best deal.
Accepting Credit Card Payments
Once you have a merchant account, you'll need a way to actually accept the credit card payments. Here, too, you have several options. If your home-based business has its own website, then setting up an Internet gateway with a shopping cart is one option. Incorporating a shopping cart (which includes the product catalog and purchasing interface) into your website provides the most convenience for your customers. It also results in fewer lost sales, since customers won’t be redirected to other sites for payment, during which time they may change their mind about their purchase decision.
If your home-based business doesn’t have a website, you still have several options for accepting credit cards. One is to use a virtual terminal, where you log on to a third-party website and enter your customers’ credit card information for payment authorization. Similarly, you can choose to use a service like Dial Pay where you use a touch-tone phone to enter the credit card information and receive immediate notification of sufficient funds. You can also purchase or lease the equipment needed to swipe credit cards in your own home if you usually interact with your clients in person.
If your home-based business doesn’t have a website, you still have several options for accepting credit cards. One is to use a virtual terminal, where you log on to a third-party website and enter your customers’ credit card information for payment authorization. Similarly, you can choose to use a service like Dial Pay where you use a touch-tone phone to enter the credit card information and receive immediate notification of sufficient funds. You can also purchase or lease the equipment needed to swipe credit cards in your own home if you usually interact with your clients in person.
Comparison Shopping for Merchant Accounts and Credit Card Processors
Once you have a merchant account and a shopping cart or similar technology for processing payment, you are well on your way to being able to accept credit cards for your home-based business. Know that there are a variety of companies that cater to home-based businesses who will do everything possible to help you accept credit card payments. Take the time to shop around, being sure that you understand all the associated fees and compare deals until you find the one that is best for your specific needs.
Subscribe to:
Posts (Atom)
