Review: Capital One Platinum Prestige MasterCard
From: credit.about.com
"If you're looking for a good balance transfer credit card and you have excellent credit, take a look at the Capital One Platinum Prestige MasterCard. You'll get a zero percent introductory rate on purchases and balance transfers during the first 12 months. After the introductory rate, the regular APR is a low 11.9%. Check out our review of the Platinum Prestige MasterCard by Capital One.
Review: Capital One Platinum Prestige MasterCard originally appeared on About.com Credit / Debt Management on Thursday, June 10th, 2010 at 13:40:07. Permalink | Comment | Email this "
Help! I Don't Understand My Credit Report
From: credit.about.com
"Reading your credit report for the first time - and sometimes even the second or third - can be confusing. Understanding your credit report is crucial to achieving your financial goals, especially if you're working on improving your credit or getting out of debt. Even though reports from different credit bureaus have different formats, they all include the same basic information. Once you know what information to expect, it's a lot easier to understand your credit report.
Step By Step: How To Read Your Credit Report
More Reading:
Help! I Don't Understand My Credit Report originally appeared on About.com Credit / Debt Management on Wednesday, June 9th, 2010 at 10:27:41. Permalink | Comment | Email this "
Using Cash Could Reduce Your Risk of Credit Card Fraud
From: credit.about.com
"You hand your credit card to complete strangers and think nothing of it - the waiter at a local restaurant, the gas station attendant, and even the cashier at McDonalds. Most of the time, your credit card is safe in their hands. Unfortunately, there are times when these cashiers abuse your trust and steal your credit card information.
For example, a McDonalds employee in Bossier, Louisiana was recently arrested for skimming credit cards. Credit card skimming involves a person swiping your credit card through a small handheld device that stores your credit card number and name.
Cashiers who use credit card skimmers are usually hired as part of a crime ring and are paid a certain amount of money - like $25 - for each credit card skimmed. The skimming devices are so small that you might not notice it if you see it. And since many employees, like waiters and waitresses, have legitimate reason to disappear with your credit card there's no way to be sure your credit card information isn't being stolen.
You can detect instances of credit card skimming by watching your credit card statement for unauthorized charges. You can avoid credit card skimming by using cash for many of your smaller, everyday purchases - the ones that involve someone to walk off with your credit card.
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Using Cash Could Reduce Your Risk of Credit Card Fraud originally appeared on About.com Credit / Debt Management on Thursday, June 3rd, 2010 at 00:19:03. Permalink | Comment | Email this "
Review: Bank of America Accelerated Cash Rewards American Express
From: credit.about.com
"The Bank of America Accelerated Cash Rewards American Express Card may be one of the last great rewards credit cards left. You can get up to $75 in statement credits within months of opening your credit card. You'll also enjoy a 0% introductory interest rate if you qualify for the offer.
Bank of America's website says this credit card is a limited offer, so don't be surprised if you try to apply for the credit card and notice the offer's not available. Read the full review to learn more: BofA Accelerated Cash Rewards American Express. Review: Bank of America Accelerated Cash Rewards American Express originally appeared on About.com Credit / Debt Management on Wednesday, June 2nd, 2010 at 01:13:01. Permalink | Comment | Email this "
No ID Required for Credit Card Purchases
From: credit.about.com
"Cashiers often ask for ID with credit card purchases to make sure the right person is using the credit card, thereby preventing credit card fraud. However, VISA and MasterCard merchant-credit card agreements don't allow stores to require ID for credit card transactions. Merchants can ask for ID, but they can't refuse the transaction if you don't show your ID.
Baltimore Sun reports a man recently had his credit card was refused by Target employees because he didn't have his ID (which had just burned in a house fire). A Target spokeswoman later apologized and admitted the error was on the employees part.
Consumerist also has several stories of customers who have had their credit card refused when they wouldn't show their driver's license.
While merchants may ask for ID to prevent credit card fraud, your personal information is at risk when you show your ID. Remember, your name, address, driver's license number, and sometimes social security number are printed on your driver's license. This is just the information an unscrupulous cashier needs to steal your identity. Credit card fraudsters are often successful with just your zip code and credit card number.
Unfortunately, attempting to force an employee to honor the merchant-credit card agreement at the time of purchase is a losing battle. I've read several stories about employees who've refused credit cards because the customer wouldn't show ID. Store managers typically back up their employees.
Sometimes, though, when the stories reach national media, the higher-ups usually side with the customer - as in the Baltimore Sun's Target and Consumerist's Disney stories - and promise to retrain their employees not to require ID unless law requires it, for example with tobacco and alcohol purchases.
You can report MasterCard violations online - Mastercard's Merchant Violation form - and report VISA violations by calling the number on the back of your credit card. No ID Required for Credit Card Purchases originally appeared on About.com Credit / Debt Management on Monday, May 31st, 2010 at 10:54:04. Permalink | Comment | Email this "
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