Thursday, September 24, 2009

Free Debit Card from Payoneer (Start Without Paypal Verification Credit card)









Day Saturday, April 25, 2009 Card from Payoneer Free Debit has been sent to my address since 1 month ago I signed up. Thrilled to be able to get a debit card from Payoneer for free. Because a debit card that we get this, according to sources of information from bloggers seniors, this card can be used to verify Paypal (Account Online) without having to use a credit card. Also from Payoneer Debit cards can be in use to receive payment of dollars from affiliate programs or business programs online that we can use throughout Atm Bank around the world that MasterCard logo.

Want to know a practical way to get a debit card from Payoneer The Free?
Follow the rules of thumb I've done here.

You can register here and then click join now
Fill your data with complete:
I am a: Man if you're a man, if you're a woman Woman
Interested in meeteng a: Man if you want to find / make friends male dg, dg woman woman, or you can choose both.
For: Friendship (friends), Dating (ketemuan), Serious relationship (hbungan serious), Marriage (married), you can choose more than one, select it also.
Birthdate: Date of birth
Country: Your Country
Zip / Postal code: Clear it if you are than Americans (U.S. only)
Email Address: Enter your email
Username: your username between 4 to 16 characters
Then click Click Here and Have Fun
After that you enter next ketahap.
City: City where you live
Closest City: Same as above
State: Your Province
Your Height: Your height
Your Body Type: Type your body
Your Race: Your race or tribe you are if Indonesia is Asia
Marital Status: Marital status you
Your Religion: Religion You
Your Education: Your last Education
Your Occupation: Your job, if your staff eg staff, Business entrepreneurs etc if you are.
Introduction Title: Title of yourself, you can make I am a good Man or I like Traveling 10 characters minimum etc.
Tell others about yourself: Tell me about yourself, preferably in English, for example, I am a good women, I like traveling and my hobbies reading, computers, sports, and others, i love her new friend or women, make love-love you , minimum 50 characters.
If you already have an image upload your photos, click browse and find the file containing your photos. If you do not have a clear fota you can first, then later on you can fill again.
Then click Click to Join.
After that open your email, then click Activate Now
So you've activated, if you want to log fill dg yg username and password in your email.

After that came out first click log off.
Then click HERE
Click Affiliates
Then click Affiliate Signup.
Fill data tsb dg right.
Preferred Program: Pick No. 1
First Name: Your first name
Last name: Your last name
URL: Website / blog, you must fill, if you do not have http://namablogsaya.blogspot.com make it, but this is only temporary you can later change.
Desired Password: Password you want to reply
Preferred Newsletter Language: Indonesia
Email Address: Enter your email
Secondary Email Address: Email your other reply, may also emptied
Checks Payable To: your full name as ID
Street Address: Your Address as ID
City: City where you live
State / Province: province where you live
Country: Your Country
ZIP / Postal Code: Your Postal Code
What is your business tax classification? Empty only because for Americans
Tax ID or Social Security Number: Clear all due to American citizens
Phone Number: No. You make dg tel formats such as your tel no is 021 1234567 or 6221 1234567 for no hp 081xxxxx then you make 6281xxxxx.
Which Instant Messenger do you use? Select only None
Use ePassporte: Select all No
Please give us your comments: Make Your comments such as Thank You, Heloo
Then click Click Here for the Last Step
Then click the small box imaginable writing
Yes, I have read and accepted the Affiliate Agreement, blah blah ....
Then click Submit.
Then click Account Information
Then click here blue reply in writing Here is your account information. Click here to update your information.
click Payoneer: Signup to be paid by Prepaid MasterCard ®. You will be directed to a FriendFinder page hosted by Payoneer, where you can sign up for a card.
Then fill your data in Payoneer they will be, after you've Content wait approximately 20 days your card until your home after your debit card until then follow the instructions aktivasilah imaginable disurat dg yg sent with your card. Well gampangkan ....
Dg only become a member you can FrindFinder can payoneer debit card if you live in payoneer list you can not get it because the country for Indonesia does not exist.
Look back at your email, well there you will be given a username and password for the affiliate. Login as a member dg login as an affiliate is different.
With the affiliate join FriendFinder, you've joined dg FrindFinder cronies, byk once was, there adultfrindfinder etc, this site is the mucus smell but we only take advantage of it, the debit card and the dollar.

Tuesday, September 15, 2009

Credit card

A credit card is part of a system of payments named after the small plastic card issued to users of the system. It is a card entitling its holder to buy goods and services based on the holder's promise to pay for these goods and services.[1] The issuer of the card grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.

A credit card is different from a charge card, where a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers to 'revolve' their balance, at the cost of having interest charged. Most credit cards are issued by local banks or credit unions, and are the shape and size specified by the ISO/IEC 7810 standard as ID-1.

How credit cards work


Credit cards are issued after an account has been approved by the credit provider, after which cardholders can use it to make purchases at merchants accepting that card.

When a purchase is made, the credit card user agrees to pay the card issuer. The cardholder indicates consent to pay by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a personal identification number (PIN). Also, many merchants now accept verbal authorizations via telephone and electronic authorization using the Internet, known as a 'Card/Cardholder Not Present' (CNP) transaction.

Electronic verification systems allow merchants to verify that the card is valid and the credit card customer has sufficient credit to cover the purchase in a few seconds, allowing the verification to happen at time of purchase. The verification is performed using a credit card payment terminal or Point of Sale (POS) system with a communications link to the merchant's acquiring bank. Data from the card is obtained from a magnetic stripe or chip on the card; the latter system is in the United Kingdom and Ireland commonly known as Chip and PIN, but is more technically an EMV card.

Other variations of verification systems are used by eCommerce merchants to determine if the user's account is valid and able to accept the charge. These will typically involve the cardholder providing additional information, such as the security code printed on the back of the card, or the address of the cardholder.

Each month, the credit card user is sent a statement indicating the purchases undertaken with the card, any outstanding fees, and the total amount owed. After receiving the statement, the cardholder may dispute any charges that he or she thinks are incorrect (see Fair Credit Billing Act for details of the US regulations). Otherwise, the cardholder must pay a defined minimum proportion of the bill by a due date, or may choose to pay a higher amount up to the entire amount owed. The credit issuer charges interest on the amount owed if the balance is not paid in full (typically at a much higher rate than most other forms of debt). Some financial institutions can arrange for automatic payments to be deducted from the user's bank accounts, thus avoiding late payment altogether as long as the cardholder has sufficient funds.


[edit] Advertising, solicitation, application and approval

Credit card advertising regulations include Schumer's box disclosure requirements. A large fraction of junk mail consists of credit card offers. The three major US credit bureaus (Equifax, TransUnion and Experian) have chosen to allow consumers to opt out from receiving virtually all credit card solicitation offers by mail. It can be done temporarily (via 1-888-5-OPTOUT (1-888-567-8688) or OptOutPreScreen.com and can be made permanent via appropriate reply to a confirmation letter sent by postal mail in response.[2]

[edit] Interest charges

Credit card issuers usually waive interest charges if the balance is paid in full each month, but typically will charge full interest on the entire outstanding balance from the date of each purchase if the total balance is not paid.

For example, if a user had a $1,000 transaction and repaid it in full within this grace period, there would be no interest charged. If, however, even $1.00 of the total amount remained unpaid, interest would be charged on the $1,000 from the date of purchase until the payment is received. The precise manner in which interest is charged is usually detailed in a cardholder agreement which may be summarized on the back of the monthly statement. The general calculation formula most financial institutions use to determine the amount of interest to be charged is APR/100 x ADB/365 x number of days revolved. Take the Annual percentage rate (APR) and divide by 100 then multiply to the amount of the average daily balance (ADB) divided by 365 and then take this total and multiply by the total number of days the amount revolved before payment was made on the account. Financial institutions refer to interest charged back to the original time of the transaction and up to the time a payment was made, if not in full, as RRFC or residual retail finance charge. Thus after an amount has revolved and a payment has been made, the user of the card will still receive interest charges on their statement after paying the next statement in full (in fact the statement may only have a charge for interest that collected up until the date the full balance was paid...i.e. when the balance stopped revolving).

The credit card may simply serve as a form of revolving credit, or it may become a complicated financial instrument with multiple balance segments each at a different interest rate, possibly with a single umbrella credit limit, or with separate credit limits applicable to the various balance segments. Usually this compartmentalization is the result of special incentive offers from the issuing bank, to encourage balance transfers from cards of other issuers. In the event that several interest rates apply to various balance segments, payment allocation is generally at the discretion of the issuing bank, and payments will therefore usually be allocated towards the lowest rate balances until paid in full before any money is paid towards higher rate balances. Interest rates can vary considerably from card to card, and the interest rate on a particular card may jump dramatically if the card user is late with a payment on that card or any other credit instrument, or even if the issuing bank decides to raise its revenue.

Benefits to customers

The main benefit to each customer is convenience. Compared to debit cards and checks, a credit card allows small short-term loans to be quickly made to a customer who need not calculate a balance remaining before every transaction, provided the total charges do not exceed the maximum credit line for the card. Credit cards also provide more fraud protection than debit cards. In the UK for example, the bank is jointly liable with the merchant for purchases of defective products over £100.[3]

Additionally, carrying a credit card may be a convenience to some customers, as it eliminates the need to carry any cash for most purposes.

Detriments to customers

Credit cards with low introductory rates are limited to a fixed term, usually between 6 and 12 months after which a higher rate is charged. As all credit cards assess fees and interest, some customers become so encumbered with their credit debt service that they are driven to bankruptcy. Credit cards will often stipulate a default rate of 20 to 30 percent in the event a payment is missed. That is, if a consumer misses a payment, the rate will automatically increase to a very burdensome level. This can lead to a snowball effect in which the consumer is drowned by unexpectedly high interest rates. Further most card holder agreements enable the issuer to arbitrarily raise the interest rate for any reason they see fit.

Grace period

A credit card's grace period is the time the customer has to pay the balance before interest is charged to the balance. Grace periods vary, but usually range from 20 to 50 days depending on the type of credit card and the issuing bank. Some policies allow for reinstatement after certain conditions are met.

Usually, if a customer is late paying the balance, finance charges will be calculated and the grace period does not apply. Finance charges incurred depend on the grace period and balance; with most credit cards there is no grace period if there is any outstanding balance from the previous billing cycle or statement (i.e. interest is applied on both the previous balance and new transactions). However, there are some credit cards that will only apply finance charge on the previous or old balance, excluding new transactions.

Benefits to merchants


For merchants, a credit card transaction is often more secure than other forms of payment, such as checks, because the issuing bank commits to pay the merchant the moment the transaction is authorized, regardless of whether the consumer defaults on the credit card payment (except for legitimate disputes, which are discussed below, and can result in charges back to the merchant). In most cases, cards are even more secure than cash, because they discourage theft by the merchant's employees and reduce the amount of cash on the premises. Prior to credit cards, each merchant had to evaluate each customer's credit history before extending credit. That task is now performed by the banks which assume the credit risk. Credit cards can also aid in securing a sale, especially if the customer does not have enough cash on his or her person or checking account.

For each purchase, the bank charges the merchant a commission (discount fee) for this service and there may be a certain delay before the agreed payment is received by the merchant. The commission is often a percentage of the transaction amount, plus a fixed fee. In addition, a merchant may be penalized or have their ability to receive payment using that credit card restricted if there are too many cancellations or reversals of charges as a result of disputes. Some small merchants require credit purchases to have a minimum amount to compensate for the transaction costs.

In some countries, for example the Nordic countries, banks guarantee payment on stolen cards only if an ID card is checked and the ID card number/civic registration number is written down on the receipt together with the signature. In these countries merchants therefore usually ask for ID. Non-Nordic citizens, who are unlikely to possess a Nordic ID card or driving license, will instead have to show their passport, and the passport number will be written down on the receipt, sometimes together with other information. Some shops use the card's PIN for identification, and in that case showing an ID card is not necessary.

Costs to merchants

Merchants are charged many fees for the privilege of accepting credit cards. The merchant may be charged a discount rate of 1%-3%+ of each transaction obtained through a credit card. Usually, the merchant will also pay a flat per-item charge for each transaction. Thus in some instances of very low value transactions, use of credit cards may actually cause the merchant to lose money on the transaction. Merchants choose to pay these costs in exchange for the increased profitable sales they can create. Thus, they are considering part of the overall cost of marketing. Merchants with very low average transaction prices or very high average transaction prices are more averse to accepting credit cards. But rates are often reduced in an attempt to include more of these types of merchants.

Parties involved


  • Cardholder: The holder of the card used to make a purchase; the consumer.
  • Card-issuing bank: The financial institution or other organization that issued the credit card to the cardholder. This bank bills the consumer for repayment and bears the risk that the card is used fraudulently. American Express and Discover were previously the only card-issuing banks for their respective brands, but as of 2007, this is no longer the case. Cards issued by banks to cardholders in a different country are known as offshore credit cards.
  • Merchant: The individual or business accepting credit card payments for products or services sold to the cardholder.
  • Acquiring bank: The financial institution accepting payment for the products or services on behalf of the merchant.
  • Independent sales organization: Resellers (to merchants) of the services of the acquiring bank.
  • Merchant account: This could refer to the acquiring bank or the independent sales organization, but in general is the organization that the merchant deals with.
  • Credit Card association: An association of card-issuing banks such as Visa, MasterCard, Discover, American Express, etc. that set transaction terms for merchants, card-issuing banks, and acquiring banks.
  • Transaction network: The system that implements the mechanics of the electronic transactions. May be operated by an independent company, and one company may operate multiple networks.
  • Affinity partner: Some institutions lend their names to an issuer to attract customers that have a strong relationship with that institution, and get paid a fee or a percentage of the balance for each card issued using their name. Examples of typical affinity partners are sports teams, universities, charities, professional organizations, and major retailers.

The flow of information and money between these parties — always through the card associations — is known as the interchange, and it consists of a few steps.


Monday, September 14, 2009

Make Credit Card Interest Work For You

According to CardTrak, the typical American family had about $6,600 of credit card debt in 2007. That might sound pretty normal to you, but did you know that just by learning to use their credit cards more intelligently, those families could save up to $1,500 a year? To really see the benefits of intelligent card use, think of how that $1,500 could become $45,000 by retirement age - and much more if it was invested.

Yes, little things like interest and fees really add up over time. Fortunately for card holders, there are several ways to reduce the amount of money they throw away on interest each month.

First, try to negotiate a lower interest rate. Call your bank or card issuer and politely let them know that you've been offered a lower interest rate by one of their competitors (even if you haven't). To be successful, stay jovial and polite. Be realistic about the interest rate you request. The average interest rate in America at the time of this writing is 12-15%. The higher your credit score, the lower the rate you can reasonably expect. Also, you'll need to have a positive history with this card issuer that you can point to when asking for reduced rates. If you've been delinquent on payments, they won't be as eager to set a lower rate for you. Remember, card companies make their money from the interest and fees you pay. If they think you are a credit risk, they will increase those fees to minimize their financial losses.

Next, prioritize your credit card payments. If you have two or more cards that you pay for each month, pay a higher amount to the card with the highest interest. You want to get that one paid off first, because it's costing you the most money. Then pay the next-highest amount to the card with the second-highest interest rate, and so on. If you have a lot of outgoing payments, you should check with your bank or credit union to see if you qualify for a low-interest loan. With a loan, you can consolidate your credit card payments into a single monthly payment with lower interest.

If you have a small amount of debt that you can pay off in six or twelve months, look into a 0% interest credit card. By transferring the debt to such a card, you can put all of your payments toward the principal balance, not toward interest. Just be aware that most 0% cards have an introductory period that lasts from three to fifteen months, with six months being the most common. After that period ends, you will be responsible for interest on your balance.

To plan for the future, take all the money you would have spent on credit card interest and put it in a savings account. When you've got enough, invest it in a mutual fund. Forget about it. Then, when you're ready to stop working, you will have quite a chunk of change to fall back on. Who would have thought that credit card interest payments could be managed in a way that would lead to a comfortable lifestyle in your later years?

This article is courtesy of CreditorWeb.com, where you can compare business credit card offers and apply for credit cards online.

Thursday, September 10, 2009

Chase Acclaim Cards: The Best Chase Offers In Review

As a baton in today's acclaim industry, Chase provides millions of Americans with the costs they need. This company's success adventure can be summed up in one word: options. Chase offers hundreds of acclaim cards, and anniversary one is advised for altered needs. This is abundant anniversary for customers. It agency that the best agenda for your affairs can be begin at Chase. To advice you acquisition the appropriate Chase acclaim card, here's a attending at three of the top offers on today's market.

Chase Platinum Visa Card

If you accept acceptable acclaim and wish an all-around solid card, the Chase Platinum Visa Agenda is what you need. This agenda comes with no anniversary fee. You'll aswell adore the antecedent 0% absorption amount for up to twelve months on purchases and antithesis transfers. In accession to these benefits, you can participate in the card's accolade program. You will acquire one point for anniversary dollar that you absorb on purchases. You can again redeem those credibility for cash, merchandise, biking options or allowance cards. You'll aswell accept admission to added perks, such as biking blow insurance, car rental insurance, and chargeless online admission to your account.

Chase Chargeless Banknote Rewards Visa Card

Getting banknote aback is a acceptable option, and if that's what you're absorbed in, the Chase Chargeless Banknote Rewards Visa Agenda is the one for you. With this rewards program, you'll acquire one point for anniversary dollar that you spend. Every time you ability 2,500 credibility you will be beatific a $25 check. Or you can accept to accept a $25 allowance affidavit from a array of merchants and retailers. And with the benefit of earning an added 1,000 benefit credibility with your aboriginal purchase, you will be on the fast clue for earning banknote back.

Chase Adjustable Rewards Platinum Visa

If you wish to be adored for application your agenda but can't accomplish up your apperception on how to do so, the Chase Adjustable Rewards Platinum Visa is the best agenda for you. Through this program, just like the others, you will acquire one point for every dollar that you absorb on accepted purchases. Again you can adjudge how to use your points. Accept amid airline tickets, auberge visits, car rentals and more. With no anniversary fee and a low absorption amount for those who qualify, this agenda is a admired option. The toughest accommodation you'll accept to accomplish is how to use your accolade points.

It is important to agenda that some of the cards Chase offers cover an appraisal of your acclaim history. Depending on your acclaim rating, you may be accustomed a lower or college absorption rate. Also, the breadth of time that the anterior appearance administer may alter depending on your acclaim score. Before applying, accomplish abiding you apprehend the accomplished book carefully. Regardless of the absorption amount you receive, if you pay off your antithesis anniversary month, you won't accept to anguish about added accounts charges.

If you are searching for options, Chase has them. Whether you wish a adjustable rewards affairs or banknote back, you will acquisition what you charge with Chase acclaim cards. Join the millions of Americans that are Chase cardholders and administer online today. The options and allowances are apprenticed to beat your acclaim expectations.

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