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Prevent debit card fraud - Protect your debit card as well as the account number, expiration date, security code on the back, and the PIN. "Even if you never lose possession of your card, someone who learns your account number, security code and PIN may be able to use that information to access your account and create counterfeit cards," said Aurelia Cardamone, an FDIC Senior Technology Specialist. While in many cases you are not responsible for unauthorized transactions (see federal protections described later), it can be a hassle resolving the situation. Here's how to avoid becoming a victim: * Never write your PIN on or near your card. Memorize it instead. * Don't give out bank account information over the phone or the Internet unless you have initiated the contact or you know the person is who he or she claims to be. For example, beware of deceptive calls or e-mails from crooks claiming to be from your bank asking you to "verify" (divulge) your account information. "Don't fall for it," said Cardamone. "A true representative of your bank will never need to ask for your PIN because your bank already has your account information. * Don't share your debit card PIN, security code and other account information with friends or relatives who aren't co-owners of your account. Likewise, never reveal this information to new "friends" you meet over the Internet. "Common scams start with a job offer or an Internet friendship or romance that leads to pleas for money transfers and secrecy," said David Nelson, an FDIC fraud specialist. * Take precautions at the checkout counter, ATM and gas pump. Always stand so that no one can see the keypad where you enter your PIN. At retail establishments, it's best to use do-it-yourself scanners. If you give your card to a clerk, be on guard against a dishonest employee who runs your card through two scanners instead of one. The second scanner could be capturing your account information to make a counterfeit card. In general, be alert for suspicious-looking devices that may be used to "skim" information from your card. * If you use your debit card to shop online, consider extra precautions with your personal computer. Experts advise installing and periodically updating virus and spyware protection and a "personal firewall" to stop thieves from secretly installing malicious software on your personal computer remotely that can be used to spy on your computer use and obtain account information. * Look at your bank statements as soon as they arrive. Or, better yet, review your account each week by phone or the Internet. Promptly report any discrepancy, such as a missing payment or an unauthorized transaction, to your bank. Your quick attention to the problem may help limit your liability and give law enforcement authorities a head start on stopping the thief.
Pre-approved credit card for bad credit. Understand what a preapproved card offer means. Apply online for an unsecured credit card or a secured card.
Tip: Whenever you travel carry the customer service phone number of your credit card issuer
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What is a pre-approved credit card -
Pre-approval is based upon known credit or data supplied when applying for a credit card. An offer for a pre-approved credit card may be subject to a credit report review to ensure no changes have occurred which may void the preapproved credit card offer
Creditors evaluate risks. If you now have bad credit or bankruptcy, it's unlikely to be approved for high credit limit, reward or rebate unsecured credit cards. For bad credit we recommend credit cards to rebuild credit.
Typical areas issuers review when offering a pre-approved credit card:
*Your known past credit history
*The requirements for credit card approval
*Similar credit cards already in use
*Balances of existing credit cards
*Income to debt ratio
*The possibility you may react to the pre-approved offer.
Credit card issuers seek new customers. For example; a card issuer may request one of the credit bureaus (Equifax, Experian, or Trans Union), for a list of consumers whose credit reports meet the card issuer's qualifications. The bank may send a list of consumers obtained elsewhere (e.g. from a marketing database company) and have the bureau return a matching subgroup for the "Pre-approved" offers.
If you have a copy of your credit report, you may see inquiries that are designated as "promotional." This means that your file was checked for a "pre-approved" list, although it does not necessarily mean that you qualify to receive an offer. Since this type of inquiry was not initiated by you, it is not seen by other prospective creditors to whom you might apply, and it will not reduce your FICO credit score.
When the application is submitted, it goes to a processing center where the data is entered into a computer system which then does a credit check. This is to determine if anything in the consumer's credit file has changed for the worse since the original sweep, and the qualification criteria may be higher. This credit check (not the original one) is used for final approval or rejection of the application. Sometimes small changes in the consumer's file (like total available credit or balance-to-limit ratio) since the pre-screening can result in a rejection. Final approval is also dependent on your application information (income, etc), so if this is insufficient you may be declined.
In short, a "pre-approved credit card" offer is not always a guaranteed, instant approval.
Credit Cards Rebuild Credit - It does not take too many trips to the mall or a local coffee shop to end up with a charge card that has a high balance. The danger is when that balance quickly causes poor credit by not paying the bill on time every month or missing payments. Making payments on time is crucial to keeping good ratings and to keep from ruing credit. For those already in debt and in trouble, using a credit card can help you get your credit back on track if you use it wisely.
A great first step to improving credit scores, is to own, use, and pay on a credit card regularly. Charging purchases and paying off the balance on time lets creditors know that you can use credit responsibly. It is also a sign that you can be trusted with higher lines of credit in the future. Even if you don't already have a card, and you think no one will approve you, have no fear there are plenty of cards that people get approved for everyday. The key feature to look for in a new credit card, is to make sure they report to major credit bureaus. This ensures that your good behavior with the card is reported to the companies that track your credit history. These are major bureaus like Equifax, Experian, and TransUnion. Over time, good account history can lift scores and help you move from bad credit to good credit.
The last thing any person should do is max out their card, or get close to doing so. Find out what the credit limits are on all cards. Be careful and do not charge more than 50% of the available credit limits, thirty percent or less is the best goal. If for example, you have a card with a $500 limit, keep the balance below $250, which is 50% of the available credit. Keeping balances at 30% or lower is even better. Find one or several small things a month that you can charge and pay off right away, such as putting gas in your auto.
Paying your credit card is the most important part, if improving credit is your goal. The last thing you want to do is miss a payment due date. Not only could it cause your credit score drop, but you may incur late fees. Another problem could be that it could cause your interest rates to go through the roof. A lower score means it could cost more to take out an auto loan, mortgage, or other line of credit, than it would if you had paid your bills on time. Missing one payment, or paying a little late, can be very costly. Make at least the minimum payment due on time and stay current with all bills. Even if credit is used responsibly, it does not guarantee a better credit rating. Pay on time and maintain all balances below the limits to eventually see credit scores rise. That little piece of plastic that became an enemy, could become your biggest ally in your quest to rebuild your credit.
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We offer a variety of consumer and business credit card offers from many different issuers. You can find those offers in one place - CreditCardCity.com. We also provide important information and advice on credit card related topics. That advice is often not available from individual credit card companies. It is a service we offer on our site.Our credit card comparison tables allow our customers to compare and apply for the credit card(s) that best meets their needs. We also provide additional tools, such as calculators, Glossary of Terms, and Frequently Asked Questions that can help our customers meet their personal and business credit card needs.We strive to provide excellent service to our customers and always look forward to your suggestions and comments.
Want to apply for a credit card online? You’ve come to the right place. CreditCardCity.com provides a selection of the best credit card deals you can apply for including 0% APR, Instant Approval, Balance Transfer and Rewards credit cards. Join the many satisfied consumers who’ve since 2001 found their new credit card here. All applications linked to from Credit Card City feature Secure SSL Technology.
Bad Credit Credit Cards may allow you to qualify for a credit card even if you have less than perfect credit. The following credit cards may be able to help you build, rebuild or reestablish your credit history by making on time payments to all of your creditors and maintaining your balances under the credit limits.
Looking for the best credit card deals? You've come to the right place. Below we've put together a list of the best credit card deals online for your review. Most of these cards come with a 0% APR intro and no annual fees as well as great rewards programs.
Transfer your balances from higher APR credit cards and/or other loans into lower APR card and save a lot of money on interest. Simply use the balance transfer request form provided in an online credit card application or make the transfer over the phone once your application is approved.
Smart cards are credit cards with an embedded computer chip. Because smart cards have a lot more memory than regular cards with magnetic stripes, they can be programmed to perform many different tasks. For example, smart cards can store information about your airline miles, hotel points, and other rewards programs. They can also be programmed to provide secure access to your apartment building, line of credit, bank accounts, mass transportation, etc.
CreditCardCity.com is an online consumer and business credit card marketplace that provides unbiased news and information about credit cards and related products and services.
Our tools and information help consumers to choose the card(s) that best meet their credit needs and lifestyle. Consumers and business owners can also learn about the latest card trends, special offers and promotions available from the card industry.
Instant Approval Credit Cards. Need a credit card now? Get a credit decision in as little as 60 seconds with an instant approval credit card.* Instant approval is not guaranteed for the following products; however, an instant response will be provided within 60 seconds of completing an online credit card application. Many instant approval credit card offers come with low or no annual fee, reward programs, and other valuable benefits.
How soon must a bank credit and post payment to my credit card account?
The general rule is that the bank must credit a payment to a customer’s account as of the date of receipt. The bank can set reasonable requirements for making payments. Reasonable requirements include:
* Requiring that the account number or payment stub be provided with the payment,
* Specifying that only checks or money orders be sent by mail,
* Specifying that payment is to be made in US Dollars,
* Setting reasonable cut off times for payments received by mail, by electronic means, by telephone, and in person. The cut-off time must be 5 p.m. or later, except for in-person payments at branches that close prior to 5 p.m.
If the lender specified reasonable requirements on the billing statement, but accepts a payment that does not conform to those requirements, the lender must credit the payment within five days of receipt. In general, payments made at a creditor’s Web site prior to the specified cut-off time would be considered timely.
You should review your statement and the account agreement to determine the bank's policies or contact the bank for an explanation.