8 Methods to Eliminate Credit Card Debt

Dumb Little Man

Huge credit card debt can feel like a crushing, impossible burden that you need to carry for months, years, or even a lifetime – but it doesn’t have to be. With a few simple steps and a good deal of discipline, credit card debt can be whittled down, paid off, and eventually eliminated for good. Just imagine how good it’ll feel to not owe your hard-earned money to a credit card company. Of course, your budget needs a category for credit card payments!

9 Valuable Credit Card Perks

Dumb Little Man

According to a recent Bankrate survey, about two thirds of millennials don’t own a credit card. But most savvy budgeters, the ones that consider themselves “good with money,” know how to take advantage of credit cards – and you should too. 1) Build credit. 56% of US consumers have subprime credit scores which can cost tens of thousands of dollars over the course of a mortgage, or can reflect poorly when applying to rent an apartment or lease a car.

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Can You Go To Jail For Credit Card Debt?

Dumb Little Man

Can you go to jail for credit card debt? Civil debts are things like payday loans, credit cards, utility bills, student loans, or medical bills. This Act acknowledged that most people do want to pay their debts through channels like credit card consolidation , and the majority of their debts aren’t intentional. Can You Really Go To Jail For Not Paying Your Credit Card Debt? Little Known Facts About Credit Card Debt.

Credit cards going green

Eco-Office Gals

With environmentally friendly products becoming more mainstream and readily available, credit card issuers have begun to roll out products, services, and rewards that have a focus on going green. Credit card companies and banks have long come under scrutiny for not doing enough to battle the effects on the climate. Credit card comparison sites, such as www.creditcard.com.au , offer extensive insight into the offers and green reward plans available.

How to Get Out of Credit Card Debt Fast

Dumb Little Man

Credit cards come with a sense of power. Because of that, more and more people are finding themselves drowning in credit card bills. The average American household has a credit card debt of around $4,400 as of the first quarter of 2018. Each family has an average of 3 cards from various service providers. How can you manage your multiple credit card payments? Get your FICO credit report. Credit How To Money

Credit Card Merchants Make Accepting Payments Simple

The Small Business Blog

Chances are that the “register” being used by that business is an iPad with some form of mobile card swiper plugged in to the earphone jack. It’s great that the credit card merchants out there are catching up to a public that wants what it wants in the most convenient way possible. Each payment processor charges a fee — this much hasn’t changed since the days of bulky card swipers, carbon imprints, and phone calls.

Before You Get A Credit Card, Read This

Small Business CEO

Credit card is a small piece of rectangular shaped plastic card that gives a person the ability to purchase anything within its credit limit with one swipe. You’ve seen your Mom or Dad way back when you were young that they can buy stuff and items just by giving a small plastic card when they are ready to pay at the counter. It made you wonder how amazing this piece of card is, thinking you’d like to own one someday!… Finance credit cards

Four Tips On How To Choose The Best Credit Card For You

Dumb Little Man

With so many banks and credit cards now available, it can be quite confusing how to choose the best credit card for you. Credit cards are as different and unique as the people who use them. There are credit cards that match people who fly frequently, shop at certain stores, and so on. You can narrow down the perfect credit card for you with these simple steps: Step One: Know Your Credit Score. Secured or Student Cards.

4 Simple Steps to Securely Send Credit Card Information

Office Organization Success

Many business owners find themselves in a situation where they are asked to send their credit card information in order to finalize a business transaction. Ask your VA/service provider if she has a Credit Card Authorization form that she can send to you, and you fax back to her. I had to send my credit card information to a vendor and this is the service they used a service called One Share.

Financial Advice: Why Young Americans are saying Good-Bye to Credit Cards

Dumb Little Man

More young Americans are saying no to credit cards and yes to prepaid debit cards. A recent survey conducted by a credit score provider examines the current figures related to credit card use and explains the reasons behind the move away from credit cards. Money Credit

Even Processing Credit Cards Can Be Paperless

Eco-Office Gals

Accepting credit and debit cards is growing more and more important in today’s business world. Not having a method to accept payments from these cards could cost you sales. However, you don’t have to be drawn into a merchant account for credit card processing that uses paper receipts, a bulky device at the register and paper monthly reports sent to you in the mail. Why should processing credit cards be any different?

Top 5 Tips for Business Credit Cards

The Small Business Blog

Using a credit card is actually a sensible thing for a business to do, provided they are going to be paying it off in full each month. Top 5 Tips posts from the SME Blog are always full of hints and tips for small, home & micro business owners. Doing this helps to build…

Why Your Business Needs a New Credit Card Terminal Immediately

Small Business CEO

By now, most self-respecting business-owners have taken advantage of all the perks that credit cards and credit card terminals have to offer, but this isn’t always the case. The following, then, will discuss the benefits of buying a credit card machine – as we shall see, the pros certainly outweigh the cons, which is to say, get ahold of a new terminal essential for any entrepreneur to flourish.

Ultimate Guide to Selecting the Best Credit Card to Build Credit

Small Business CEO

Are you searching for the best credit card to start building your credit history? After that, you must use your credit card wisely to gain financial freedom. Here’s the ultimate guide to selecting the best credit card for you. Identify the primary purpose of getting the credit card. What’s your aim for signing up for a credit card? Or do you want a credit card to build your credit score?…

Why Credit Cards Should Be Your First Choice of Payment When Running a Business

Small Business CEO

Once a business is up and running, it is much easier for it to be approved for a business line of credit, compared to the process of getting a personal line of credit. According to reports, approximately 65% of SMBs utilize credit cards, and this number is increasing all the time. A caveat is in order: personal credit cards and business credit cards should be separated at all times. … Finance business credit cards

How Your Business Can Save Money on Credit Card Processing Fees

Small Business CEO

Not only are you responsible for your customer’s satisfaction and ensuring that your brand is well established, but you are also responsible for various fees related to a sale, such as credit card processing fees. Let’s take a look at how to pay the lowest credit card processing fees possible as well as potentially obtain a free credit card machine.… … Finance credit card processing fees save money

Facts You Must Know before Choosing a Credit Card Processor

The Small Business Blog

There are a hundred little things that have to be done when you’re starting a business. You need to file for an assumed business name or set up an LLC, you need to map out your business plan, you need to do some market research, and you need to spend time on product development. Among…

What Every Entrepreneur Should Know About Small Business Credit Cards

Small Business CEO

Many business owners choose to cover these expenses through the use of small business credit cards. Still, other business owners are hesitant to get a credit card for their companies for a number of reasons. Let’s take a look at the advantages and disadvantages of small business credit cards and you can easily determine whether or not one is right for your business. This works just like a consumer credit card.

How credit card companies offer different levels of customer service

Service Untitled

Credit cards are an important way of life for most Americans. According to CreditCards.com , the average consumer has nearly $16,000 in credit card debt, and the average interest rates of credit cards range from 10.37% for those with excellent credit to 28% for instant approval credit cards. So are there different levels of service for credit card customers depending on one’s credit and past financial history?

How A Debt Attorney Can Help With Credit Card Debt For Small Businesses

Small Business CEO

Credit cards can be a wonderful business tool. They allow you the flexibility of easily using credit to make purchases under the promise that you will pay back the money that you borrowed on credit. Credit cards are a great tool for consumers and for regular small businesses. They give you easy access to credit and allow you to focus on what is most important for you in your business and in your personal life. Finance credit credit cards debts

Service Untitled» Blog Archive » Credit cards offer extra customer.

Service Untitled

Home About Service Untitled Subscribe for Free Consulting Contact Archives Credit cards offer extra customer service perks Cheryl April 14, 2010 Behind the Scenes , Customer Service , Little Things, Big Differences , Specific Companies No Comments My new Nordstrom credit card came in the mail, and I was pleasantly surprised. Their rewards program provides 2 points for every dollar spent at Nordstrom’s and provides for 1 point when I use the card elsewhere.

UK: Cash still important for High Street

The Small Business Blog

Business News BRC cash is king credit card processing credit cards debit cards high street making money Recovery retail Retail Business UK Economy UK retail The British Retail Consortium (BRC) has revealed that cash is still the king when it comes to UK retail sales. In an analysis of 10 billion retail payments in 2012 (accounting for 60% of total sales), cash was the preferred method of payment for 54%.

The Importance of PCI Audits

Small Business CEO

A PCI compliance audit can help to ensure your customers’ sensitive data, such as credit card information, is safe.… Information Technology credit card processing PCI audits PCI ComplianceData breaches are more prevalent today than ever before. A data security report compiled by Verizon shows that in 2016, there were 80,000 data security issues.

Is Cash really Dead? 4 Reasons Why You Should Avoid Using It

Small Business CEO

But while there may be some benefits in using cash for your purchases and everyday transactions, they are even more benefits to using credit cards. If you can use plastics responsibly, you find that you are better off doing your payments with a credit card than with cash. Let us examine why the credit card comes out on top and why you should minimize your use of cash. Credit Card builds up your credit rating.

2017 45

The 12 Privacy Tips of Christmas

Ian's Messy Desk

Minimize the number of identification and credit cards carried. Tear/shred receipts, copies of credit applications, other documentation containing personal information, don’t just throw it in the garbage. Protect personal information in your custody – keep records under lock and key, make sure credit card slips are out of reach to the public, not beside the till. Obscure credit card numbers on customer receipts.

2010 109

Reward your Small Business with the Capital One Spark® Cash Card

Small Business CEO

So why settle for a business credit card that limits how much cash back you earn? Or charges you for an employee card? In your business, you accept every obstacle, deadline, and challenge but that shouldn’t extend to your business card. With Spark Business SM Credit Cards from Capital One ® , you could earn 2% cash back on every purchase, and receive free employee cards. … Finance business credit cards capital one spark cash card

2015 68

Are You Still Accepting Online Card Payments?

Small Business CEO

There are, however, sound reasons for either beginning or continuing to accept payment cards. While PayPal has made its ease of use a major selling point, there are still compelling reasons for customers to prefer credit and debit cards.… … Finance credit card payments online card payments online payments PayPal has become a hugely popular method of accepting online payment for small to medium size merchants.

2014 70

Service Untitled» Blog Archive » Building customer relationships.

Service Untitled

If the customer is a high value consumer, a customer care professional may send out a Home Depot gift card. A customer service applicant might be asked, “If you worked at American Express, how would you give a hug to a card member over the phone?&# The website is also easy to navigate, user friendly, and provides information pertinent to all card members. Service Untitled The blog about customer service and the customer service experience.

Guarding Your Balance Sheet – Tips for Survival in Today’s Volatile Market

Small Business CEO

Limit Company Credit Cards: When only necessary, provide your executives with corporate credit cards. Don’t give them out to your entire staff and never give out debit cards to your employees. Stay away from regular payments on credit cards. Tags: Entrepreneurs Finance accounts payable cash collections credit cards economy

2010 55

Get Organized: Taking the *Errr!* Out of Online Shopping

Get Organized!

Having to type in my credit card information - its just SO tedious! According to SmartSwipes homepage , "SmartSwipe is the world’s first truly secure personal credit card reader.you can swipe your credit card at your home or office computer just like you would in a store." SmartSwipe uses Dynamic SSL to encrypt your card data before it reaches your PC, and then inserts the information into the proper fields in the sites shopping cart.

2009 40

How to Destroy your Credit Score in Ten Days

Dumb Little Man

It is unavoidable: your credit score and fiscal history have a profound impact upon your financial goals and objectives. With lenders becoming increasingly stringent, having the perfect credit rating in order to be able to enjoy a brighter financial future has become all the more important. The key is to follow credit card guidelines, and use credit cards in the right way. Credit Goals How To Lifehacks Money

2013 219

Regain Control Of Your Life By Managing Your Finances With These 6 Tips For Reducing Your Debt

Dumb Little Man

When you see your paycheck going toward a vacation fund as opposed to a credit card payment, you have an increased level of control over your life. There are some things that you can start doing right away to help you stop sending all of your hard earned money to credit card companies each month. Money Credit How To Getting control of your debt can help you live a happy and fulfilling life.

2013 218

Debt Management: 5 Reasons Paying Down Your Debt Might Be Even More Important Than You Realize

Dumb Little Man

A 2012 survey by Bankrate.com suggests that 25 percent of Americans carry more credit card debt than emergency savings. And according to NerdWallet.com, the average amount of credit card debt per indebted household stood at a staggering $15,216 as of June, 2013. Money Credit It’s something that we Americans have been eager to pile on and slow to pay off.

2013 219

The ABC’s of Debt Consolidation – What It Is And How To Do It Properly

Dumb Little Man

You can use the money from this loan to pay your credit cards, student loans, and other assorted liabilities. Credit history. Two months’ statements for every loan or credit card you want to pay. Balance Transfer Credit Cards. Credit Featured Money

2020 187

5 Ways to Calm Down Before You Shoot Ballistic Missiles at Everyone

Dumb Little Man

In this method, the person has to put the credit card in a glass of water and then place it in the freezer. Though, credit card is not affected, but it is quite irrational way of holding the shopping monster within any person. I came across the term “Ice Glass Method” while reading the wonderful book “Predictably Irrational” by Dan Ariely. It is used for control the craving for excess shopping.

2015 219

7 Reasons Why You Need to Start Checking Your Credit Score Regularly

Dumb Little Man

Your credit report houses all the important information regarding your credit history. Although many know the significance of a good credit score, most people almost always fail to check it. Due to our busy and hectic life, a credit score is often the last thing to cross our minds. After all, it’s not part of those “in your face” figures like your credit card balance or your checking account. See Also: 9 Valuable Credit Card Perks.

2019 150

4 Ways to Start Building Great Credit

Dumb Little Man

Good credit is a privilege that comes with great responsibility. This is where your credit scores and credit reports come into play. Having excellent credit will allow you to receive better benefits and perks with lower interest rates and higher limits. But, what if you have low credit scores or some negative marks on your credit reports? Lenders may still grant your credit request, but it can come with a lower limit and steeper fees.

2016 211

How To Fund Your Holiday of A Lifetime

Dumb Little Man

Find The Best Value Credit Card. Credit cards are the most common way of funding a huge trip. Booking flights and accommodation by credit card is not only sensible in terms of finance but will also cover you more should anything happen to your booking. Many of us just use the credit card we’ve got and don’t make the most of 0% interest offers or cards that offer travel rewards.

2019 199

8 Tips for Safer Online Shopping

Dumb Little Man

Try buying those gift cards through a normal store or an online store, and you can be assured that you’ll be buying a gift card. You can also use your credit card to pay for your purchase. By using a credit card, you will be making your payment through a payment processor that is secured and encrypted, so the chances of identity theft are minimized. Secure payment options like cards, debit cards, and bank transfers can give you added peace of mind.

2020 132

How To Stay Safe and Prevent Theft While Traveling

Dumb Little Man

Monitor Credit Cards and Credit Reports. It’s quite common to have your credit card number or identity stolen while traveling. Make sure to monitor your credit card statements and credit reports for several months after returning home. If you see any suspicious or unauthorized activity, report it to the credit bureaus and card companies immediately. Most restaurants and stores abroad take credit cards.

2018 170

What Happens If You Delete A Paid App On Your Iphone or Ipad?

Dumb Little Man

Does it matter if I paid for it with a credit card? Any purchase with a credit card is likely to have a detailed record of the transaction. Banks will allow you to cancel a credit card transaction if something was faulty with the merchandise. At times, you may download a new paid application to your iPhone or iPad. You try to make it work, but it just doesn’t function like you hoped it would. What happens if you delete paid apps on iPhone or iPad?

2019 150

10 Myths About Making Money That Are Keeping You Back

Dumb Little Man

Each time you use your debit card, it’ll round up your purchase to the nearest dollar. Don’t Pay off Your Credit Card Balance Each Month. The myth says that you have to carry a small balance on your credit card each month to improve your credit score. You Don’t Need an Emergency Fund Because You Have Credit Cards. Most people mistakenly believe that they can rely on credit cards in a pinch.

2018 189

14 Great Apps for Getting Organized

Dumb Little Man

Do you get stuck paying late fees on your credit cards because you forget to pay the bills on time? Do you feel like you live in total chaos? Do you have nine pairs of scissors because you keep losing them in the piles of junk in your home, then buying new ones? If so, you need some serious organizing. Here are a few apps that can help to organize some the messier aspects of your life, like finances, clutter, appointments and shopping. Read more ».

2013 219