In todays economy, with job losses all around, wages are dropping, and at the same time consumer debts are going up. For those that are at the end of their ability to manage their financial situation, there is nonprofit credit counseling services opening their doors all around the USA. These nonprofit credit counseling services offer a myriad of consumer protection plans, including unsecured debt consolidation services.

The formula is simple. If your monthly debts are more than your income, or if you are falling behind in your payments to your creditors, then you are financially distressed. If you are drowning in credit card bills and miss your payment date every month, then your payments are just going to late fees and other financial punishments that the credit card companies add to your bill because you were late with your payment. Nonprofit credit card debt consolidation companies will assign you an account professional that will work directly will your credit card companies, and any other unsecured lenders with whom you have a loan, to lower your interest rate to the bare minimum, in many cases to 0%, and in some cases to lower the principal amount that you owe; merging all of your creditors into one payment based on when you want to pay each month and what you can afford. In addition to these non profit credit counseling service, there are also nonprofit Christian debt consolidation companies open to all (not just Christians) that provide similar unsecured debt consolidation services designed for debt reduction and debt elimination

Of course, while you are in a non-profit credit-counseling program you will be required to stop using your credit cards until you have paid them off. Many of your credit card companies will retain you as a customer once you have completed the nonprofit credit card debt consolidation program. If you have a change to your income or employment status during the duration of your nonprofit credit card debt consolidation program, immediately inform the company you are working with and they will adjust your plan.

If you are drowning in debt, dont stick your head in the sand! At least do your due diligence and contact a nonprofit credit card debt consolidation service or a nonprofit Christian debt consolidation company to see what your options are. Consultations are always free. All non-profit credit-counseling services offer bad credit debt consolidation programs as well.

We’ve all had our slumps. Maybe you’ve experienced this scenario before…

It’s been a long couple weeks. Your problems started with your existing merchants, from terminal issues to merchants who simply want to take their business elsewhere. These problems cut into the time you had to go out and sell your credit card processing services. But you did your best, going out on sales calls and trying to sign new merchants.

However, your results weren’t exactly stellar. Not one merchant signed! This news, combined with your other problems, pushes you further down into your slump. In fact, you’ve been thrown out of more merchants’ offices in the last few weeks than at any other time in your career. Clearly you’re doing something wrong. You’ve lost your sales mojo. Your credit card processing company is in real trouble. There has to be something you can do to get out of this slump.

Sound familiar? Whenever you find yourself in a slump, it’s important to remember than no matter how bad it gets, it’s probably not your fault. There are a lot of factors outside of your control, and you can’t make a merchant sign with you. You can only control what you do and do your best. The actions of others are out of your hands.

In the high-pressure game of trying to sell your credit card processing services, it can be easy to forget this. But if you do, you’re setting yourself up for unnecessary pain. Measuring your success solely based on how many merchants you sign ties your confidence and happiness to something you really can’t control.

The solution? Evaluate your success not on whether merchants sign, but on your own actions. If you do the right things, success will come eventually. Focus on the process, not on the results. Try this approach:

1. Only track your actions. Track what you say and how you say it.

2. Make sure you’re using a sales process or strategy that has worked for you in the past, or that has worked for others.

3. Record the number of potential clients you talk to, not the number that sign with you.

4. Track firm decisions only. A “Yes” or a “No” is something you can learn from. A “Maybe” or a “Let me get back to you” is not.

5. Let your only goal be to reach a number of decisions during a certain time period. Then book enough time to get those decisions.

6. It’s important to support your existing merchants in order to retain them, but your credit card processing company’s future also hinges on your ability to sign new merchants. Make sure you have enough time on your schedule for sales.

This approach may not help you sign merchants right and left. But it will prevent slumps from being so discouraging. Focus on the things you can control–your actions–and you’ll be satisfied no matter what happens. The success will come in due time.

What Is Phishing? All new technologies come with their drawbacks and it is no different with credit cards. One of these drawbacks goes by the name of Phishing. When a person uses a fraudulent email or online shopping site to get hold of information about your credit card or bank, it is called phishing.

Phishing is easy which is why it is so popular with thieves. In the first instance, it begins with a cleverly phrased email that seems to come from your credit card company or your bank. It usually asks you to provide confidential details for verification. It may also threaten to close your account unless you give the necessary information. Another popular method is to set up fake shopping websites that only accept online credit card payment. You will never get the goods that were displayed. If you comply in either instance, you will end up with a highly inflated credit card bill and a sadly depleted bank account statement.

How To Protect Yourself From Phishing?

The best way to protect your credit card from phishing is to reveal information only after cross checking. Often, all you need to do is contact the concerned bank or company and confirm the email. A detailed scrutiny of the email before dashing off a reply also helps. Such emails usually do not have a salutation like ‘Dear Customer.’ The name of your Credit Card Company or bank will also be spelt incorrectly. Since anti-phishing scanners search text messages, phishers may enclose the message as an image. If your credit card requests are contained in an image, be doubtful.

In case of online shopping sites, beat the tricksters at their own game. For a first time purchase, use a credit card that is about to expire and has minimum credit. If the purchased item does not land at your doorstep within the promised time, at least your losses will be limited and you can be sure that the information cannot be used to perpetuate a bigger fraud.

If feels like credit card offers are constantly being jammed inside our letterboxes. It seems as if we also see that they are promoted just about everywhere. How can we possibly discover which offers is going to be the best solution for your requirements? There seems to be quite a few more bank cards being added regularly to the large amount of choices you already have.

Should you be thinking about a bank card, you ought to begin with your current commercial lender to see what they currently offer. There are numerous benefits to getting a charge card through your own banking institution. For one, you might believe the credit card is a lot more secure since you have been using this specific lender for a long time. An additional factor is that many banks are offering great bonuses for acquiring one of their own charge cards.

There is simply no doubt that the credit card offers that you can get cash rebates on the things they buy using their card account can be particularly useful. Purchasing the basic needs while earning rewards for doing so is a good blend in any bank card.

As expected, the specific solicitations you receive are all going to print the rate of interest in large numbers. Even so, you will have to make certain you look at the small print that is connected with this specific offer to make sure that you are aware regarding all other fees required and anything that may have an impact on the introductory annual percentage rate.

Oftentimes this is the situation when it comes to considering a card. Many people never read the small print and that inevitably winds up surprising them whenever extra fees are incurred that they previously knew practically nothing about. This is applicable for company bank cards as well which includes Chase ink.

Whenever you get credit card offers that you’ll be taking into account be sure to take a look at the interest charges. This really is pretty much going to determine whether the credit card you choose will be of value. The most exorbitant annual percentage rates you can find are generally for cash advances that you have the option of getting through your account. It’s advisable not to opt for a cash advance and to at all times pay your bills promptly.

It is a fact that credit card offers can come and go, and the reasons for picking one offer compared to others will no doubt change as well. Always remember the reason why you may need a charge card, what interest rate is at present being offered, the benefits that happen to be currently marketed and fees associated with the utilization of the card account and you should not have an issue obtaining one that will benefit you.

Credit card debts are like a financial black hole which can rob your good night sleep. So first we need to know how to destroy or do away credit card debts. If you are one of those who use their credit cards at every other place, then you are most likely to face huge credit card debts in future which can also lead to bankruptcy.

After using your credit card you are sure to pile up a lot of credit card debts. Now if you are unable to clear all your debts you have 2 options in front of you. They are bankruptcy or debt settlement. In debt settlement process you can negotiate with your creditors for settling at a lower amount. Here the amount which you will pay after negotiating with your creditors will be about 40-60% of the original debt you owed to them. In short you will save a lot of money from this.

Basically, you have two options. In the first case you can go ahead on your own and start the negotiation process with your creditors and settle for a lower payment. In this case you need to keep a few things in mind. It is always better to talk to your creditors in person rather than over phone. Put down the final deal on paper as you might need to produce this as a piece of documental proof later on. While sending mail communications always use registered post as this is always a safer option. Maintain the details of the people you are talking to and never show your eagerness to settle down quickly as this may go against your case.

The other option is approaching a debt settlement company. Debt settlement company will basically negotiate on your behalf with your creditors to settle for a much lower debt repayment. They will charge a certain percentage of your debt as their fees. In this case your burden comes down a lot as the company will take care of the things from your side.

The timeline of solving a case can vary from a couple of months to a few years. If you are very eager to solve your case quickly it can be done in 3-9 months of time period. In very exceptional cases the time period can stretch from 1 to 4 years. But most of the cases get solved within a years time. So its always better to start thinking of Debt Settlement early so that you dont have to face bankruptcy situation in future.

The average American spends over $2000 a year on gas alone. Gas and fuel is a billion dollar industry. How can we save on gas? There are the usual tips offered to you such as keeping you vehicle well maintained, changing your oil regularly, using public transportation, packing light and combining all your errands into just one trip daily. Unfortunately, obeying these procedures still doesn’t save you enough cash.

Another less known but highly effective opportunity to save is to apply for a gas credit card. There are many benefits of a gasoline credit card that can aid in the amount that we spend solely on gas. Most gasoline credit cards offer cash back and discounts, convenience, reward programs, and a great way to build or rebuild your credit history.

Some gas credit cards offered by well established companies such as Chase, Visa, MasterCard, or Hess offer cash back and discounts on gas purchases which can add up throughout the year to save you big bucks.

Signing up for a gas credit card can also bring you all the conveniences of any regular credit card. You can use them anywhere that accepts credit cards and you don’t have to carry cash around for your big purchases anymore. Most gas stations now even have express lanes where ONLY direct payment or gas cards are to be used. Now that is what I call convenience!

We’re all pretty familiar with earning points for specific stores when we shop at their locations. With most gasoline credit cards, you can earn points wherever you use your card. Earn points and treat yourself to a prize reward, or better yet, redeem them for cash off your gas bill!

What if you have a bad credit history? Gasoline credit cards are a better option than bank credit cards for this purpose because gasoline credit cards have a higher approval rate. Applying for a gas credit card is definitely a good choice for anyone who might have a bad credit history and wants to save on gas.

Once you have decided that you want a gas credit card, applying is easy! Compare credit cards online, then fill out a safe, secure application.

Rosanna Yee writes for offering a comparison of the best gas credit cards Apply online for a gas credit card and start saving today.

Credit card is the plastic money popular among 3G (thirds generation) people. It generates cash quickly. People can shop even when they do not have cash in hand or account. This card is a method to raise small loan that depends on your monthly earning. It is similar to debit card but the difference is that in case of debit card you can shop only when you have amount in your bank account but in credit card you can shop without cash in your bank account. You can pay the amount later. The time for payment is limited by the credit card producer and late payment invites fine. Also in debit card payment interest is not charged and in credit card you have to pay some interest. There are both negative and positive shades of all things. There are both use and misuse of credit card. Let us know the true facts related with credit card.

Use of Credit Card:
One can accomplish the urgent tasks even when there is no money in the account.
One does not need to take loans on higher interest rate from anybody in the financial crisis situation.
The credit status of the person will not be tarnished among relatives and friends. One can maintain the usual monetary needs even when people do not have cash in hand.
One needs not to carry cash in hand all the time.
One can take instant decision to shop any item.
People are not forced to apply break on their needs and choice.
Wireless Credit Card has added wings to peoples dream. People can shop anywhere at anytime. Wireless terminal is good for online marketing and remote marketing. Terminal is a machine that read the encoded magnetic information to make the payment. This terminal help in credit card processing and regulate the plastic money payment.

Misuse of Credit Card:
Sometime people shop unnecessary items when they have credit card. This becomes the source of useless expenditure.
You have to pay more amount than the actual cost of the item. You have to pay the interest.
You get the burden of paying the credit card bill. If you do not settle the bill in limited time then you will be levied penalty for the same.
Your expenditure is likely increase when you have credit card in hand.

These are the use and misuse of the credit card. Hope you will make right and needy use of your credit card. You must have confusion about the settlement of the credit card. These processes are related with Merchant Services. There is a merchant account that is opened with the agreement of bank and the retailers providing facility for credit card payment. This account looks after settling the credit card payment.

Ever wondered what the numbers on your cards indicate? Well you might have written them down at several points, either as reference or as a security measure in case of theft, but did you ever sit down to think what they might mean? Heres the answer.

The first number on your credit card denotes the system of the card. Is it a visa, master, or entertainment card? If the number is 3, it means it could be an American Express or Diners Club card or any other entertainment or travel card. Whereas a card with 4 as the first digit denotes that the card is a Visa card and a 5 means it is a MasterCard. A card that starts with the number 6 means it is a Discover card.

The number on the card also denotes the system of the card. For instance, a Diners Club card starts with 38 while, an American Express card number starts with 37. The third and fourth numbers denote the currency used on the card while the rest of the numbers till the 11th give you the information on account number. The digits from 12 to 14 is the credit card number and the last digit, the 15th is a check digit. This is the configuration in an American Express card.

A Visa and a MasterCard are similar in concept with some variations. They basically provide the same details, though the numbers and rules vary slightly. These numbers offer complete information on the users account and one must keep a photocopy of the card with the number or write the number down safely in case of card theft at any point in time. This reference number needs to be quoted to block your cards from being misused.

If you think this is all there is to a card, you are mistaken. The back of a card is even more configured with information and codes. The magnetic strip you see on the back of your cards (also called the magstripe) is made of iron-based magnetic particles. It is however plastic like in appearance. The card is often swiped at a business center or a store when you make a purchase and it is the magstripe that needs to be read by the magstripe reader.

Sometimes you may encounter problems with your card at stores or even at the ATMs where the reader fails to accept your card. This could in all likelihood be due to a dirty or damaged magstripe. In fact, even if your card has been exposed to magnets, it can damage the magnetized strip. So do take good care of your credit card and keep it protected from damages.

Credit card debt is taking over the country, and most people are charging more due to the recession. This is not uncommon, however, the time is going to come when it is time to repay all of those debts and when that happens, hopefully those of you who have charged more because of lack of money will have what you need to pay off the debt. However, if you are one of the millions of Americans who find yourself in a difficult situation when it comes time for payback, then it is time to collect debt consolidation information from whatever sources that you can find.

When considering what debt consolidation information to use, the first thing that you should do is consider the source. Where did you get the information that you are using, is it an official source? You can get a lot of information about debt consolidation on government websites, which are very reliable sources in the respect that their information will be unbiased and will not direct you to a specific company to use for your debt consolidation.

You will learn in detail from your debt consolidation information about the two different kinds of debt consolidation, credit card consolidation loans and credit counseling services. These are two very different programs, where taking a loan means just that, however, if you have a lot of debt or bad credit you may have to use your home as collateral or get a co-signer to get the loan, which may not be idea. Credit counseling services mean that you allow a company to negotiate with your creditors for lower payments and to eliminate your interest. The downside here is that you have to close all credit accounts or the credit counseling service will not work with you, also, this does show up as a negative on your credit report, although not as negative as not paying your debts.

There are a couple of other options that may not show up in your debt consolidation information like credit card debt settlement, which is paying a company to negotiate lump sum payments with your creditors at a value less than what you owe. Another is to just do it yourself, without the help of any companies. The upside here is that your credit is not affected if you continue to make payments on your accounts. The ultimate goal for any of these plans is to pay off your debt as quickly as possible.

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The credit card is really a fantastic concept. However if it is not used properly it can simply bring financial ruin. By not using it properly you could end up in the unpleasant situation of paying every month interest. The credit cards in our days can be very helpful accessories since you won’t need to deal any longer with cash. When utilized correctly they could supply you with a lot of excellent benefits such as air miles or credit toward future purchases.

The most crucial element is to never think about the credit line of the credit card as extra cash which may be spent whenever you want on various stuff. Once you’ve acquired some thing make sure that every month you pay promptly the financial obligations. Also never get to many credit cards since when having a lot you’re tempted to acquire all kind of necessary and expensive things. Whenever you consider signing up for such electronic devices do not ever pick the firms which have substantial charge for late fees or charge membership fee. The main reason why is extremely important to use appropriately a credit card is really because you’ll never be in the tough situation of getting a bad credit. Any time reaching this particular stage there are numerous things that can be performed but the most effective is the process of repair bad credit. When making daily buys utilize cash or the debit card and not the credit card. This are some essential aspects that really have to be considered mainly because by using this electronic device for every day buys you can achieve the phase where you see it as a substitute for cash. This in many of the situations can lead to debt.

When paying your monthly obligations don’t get into the habit of making just minimum payments. This will just increase the period of time to pay the debt. Also avoid using your credit card to get stuff that you can’t afford and don’t close up one without knowing how your credit will be influenced. If you will consider all of these factors you’ll definitely not finish up in the position in which you need to repair bad credit. Surely that the credit card in our days is a very useful accessory. However , you have to don’t forget that in order to take advantage of all of the benefits you need to use it in the most appropriate way.

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