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!

5 of The Best Credit Cards Designed for Small Business Owners

Small Business CEO

Of course there are a number of business items you can get for free, like business cards, websites, and even free business phone numbers and services. … The post 5 of The Best Credit Cards Designed for Small Business Owners appeared first on SMALL BUSINESS CEO.

2021 68
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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? Debt collectors can certainly be aggressive enough on the phone and through the mail. 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. Little Known Facts About Credit Card Debt.

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.

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.

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?

The 12 Privacy Tips of Christmas

Ian's Messy Desk

name, address, phone number) will be used. 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. Refuse to give out personal information on the phone, through the mail or over the internet unless you have initiated the contact or you know who you’re communicating with.

2010 109

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 212

8 Tips for Safer Online Shopping

Dumb Little Man

Scams are rife on the internet as almost everyone who has a mobile phone, tablet or computer would have purchased something online. 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. Secure payment options like cards, debit cards, and bank transfers can give you added peace of mind.

2020 136

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 176

3 Reasons to Ditch Your Leather Wallet and Go Digital

Dumb Little Man

A lot of it comes down to what we’re used to doing, and what we’re used to is handing over a plastic card. Scanning your phone or smartwatch instead is different, and human behavior is hard to change. In the not-too-distant past, credit and debit cards were the new payment methods, out to replace the wad of cash or the checkbook in your pocket. Over time, the credit cards gained acceptance by being convenient and offering financial incentives.

2019 202

Why it’s Smart to Offer Paypal as a Secondary Payment Option

Office Organization Success

I actually prefer the flexibility of a merchant account as my primary payment processor because it not only allows a client/customer to pay by credit card (without having to go through Paypal’s process to do that) but it also offers you more options in terms of recurring billing features (think membership programs ) and taking client’s credit card payments over the phone. This means: No dealing with declined credit cards.

2014 154

How Legendary Companies Fix Failed Payments

Dumb Little Man

Submitting a payment with outdated card information (i.e. 35% of subscriptions automatically renew, but credit card changes account for 40% of payment failures. Statistically, credit card limits account for 42% of payment failures.

2020 202

10 Free Productivity Apps for the iPhone

Ian's Messy Desk

It lets you access personal information—for example, the status of your utility bills, recent online purchases, and credit-card transactions. LockBox – lets you store and protect sensitive data such as credit card numbers, bank accounts, passwords, private notes, etc. I’ve been using an iPhone for about three years now and it’s become an indispensable tool in my productivity toolbox. Here are ten free productivity apps for the iPhone.

2011 131

The 5 Important Factors That Affect Your Credit Score

Dumb Little Man

A credit score is more than a three-digit number. It not only determines your ability to pay back loans but also set interest rates you pay for credit cards and loans. Because of that, protecting and improving your credit score is downright essential. You can start by familiarizing yourself with the factors that affect your credit score. Did you know that payment history makes up 35% of your credit score? The Length of Credit History. Credit Mone

2019 138

Minimal Wallet For Everyday Carry

Productivity Bits

I’ve been looking for a minimal wallet since I decided not to use any of my credit cards. Well, I still carry one credit card for emergency use. I don’t carry much cash either; I have a debit card to cover for my purchases. The less credit card I carry with me, the less likely I will be tempted to impulse buying.That just works for me. Here’s my usual wallet stuff: 1 credit card. 1 debit card.

2012 135

How to Organize Your Wallet

Clutter Coach

You don't want to be one of those people who holds up the line trying to find her preferred shopper card, do you? Frequent buyer cards :  These can be like coupons.  Membership cards :  Most establishments will allow you to give your phone number instead of presenting your cardCredit cards :  You really only need one, or two if you have a business.  by Originally posted 2008-06-12 10:00:00.

2015 131

Google Wallet Shows the Future of Mobile Payments

Small Business Labs

Google Wallet is a software product designed to replace the physical credit cards most of us carry around and use to pay for things.  Currently Google Wallet, which requires a special NFC chip, is only supported by 1 phone (Sprint's Nexus S) and 1 credit card (Citibank MasterCard).    But this will quickly change as more phones and credit cards add Google Wallet support. 

Google 158

How to Organize Your Wallet

Clutter Coach

You don't want to be one of those people who holds up the line trying to find her preferred shopper card, do you? Frequent buyer cards :  These can be like coupons.  Membership cards :  Most establishments will allow you to give your phone number instead of presenting your cardCredit cards :  You really only need one, or two if you have a business. 

2016 100

5 Everyday Things That Will Disappear Really Soon

Dumb Little Man

People don’t need 500 icons on their Macs or iPhones and people shouldn’t be forced to pick only the best apps for their phone. Credit cards. We’re already almost cashless and we’ll soon forget about credit cards as well. And after all, even if we still have cash, credit cards are over for good. We can expect Apple Pay, Android Pay, and all kinds of pays to take over plastic cards within the next few years.

2018 187

How to Strengthen the Weakest Points in Small Business Security

Small Business CEO

Most credit card hacks come from small businesses. You should already know not to save CVV numbers or full credit card numbers. If you keep a customer list with any sensitive data, including names and phone numbers, store that information in a secure cloud server.… Small business cybersecurity is an important and often overlooked part of running a business.

10 tips for organising car hire

Practically Perfect PA

There are plenty of free smart phone apps for sat-navs otherwise ask your manager to invest in a sat-nav for the office. Make sure your boss has plenty of space on their credit card for the deposit. Always include the car hire company’s emergency phone number on your manager’s travel itinerary in case anything goes wrong and they can not get in touch with you. Check the credit card.

2014 135

The Aussie Guide to Bad Credit & What to Do About It

Dumb Little Man

The funny thing about credit scores is that hardly anyone ever notices them until you need to buy a big ticket item. Now, imagine being excited to finally get the car of your dreams and then all of a sudden your application gets rejected because you have bad credit. What does having bad credit mean? When you try to borrow money from any institution, the deciding factor on whether or not you’ll be given a loan (or how big the loan will be) is your credit score.

2017 135

The Lazy Nomads’ Top 3 Safety Tips for Travelers in 2019

Dumb Little Man

To minimize risks, carry valuables (credit cards, passport, and money) close to you. Public Wi-Fi grease the wheels for criminals to hack into the information stored in your laptop or mobile phone. All you’ll need is a local SIM card. Worldwide, 400,000 pickpocketing incidents occur daily. And more likely, this figure is higher since innumerable people assume items stolen from their backpacks or pockets were lost.

2019 161

13 Ways You Should be Using Your Smartphone for Business

Tips From T. Marie

We all know about texting, calling and emailing from our phones, but are you collaborating from it as well? With a plethora of collaboration tools online, it’s as simple as finding one with an awesome phone app that works for your business. I know, not all of us can snap photos on our phones like the Insta-famous. Take advantage of our video-centric times by creating your own videos right on your phone. Easy Credit Card Payments on the Go.

2018 120

BI Forecast: Beacons Will Change Retail

Small Business Labs

The report goes on to say that Beacons are the most important retail technology since mobile mobile credit card readers. The proportion of BLE-compatible phones would be even higher in markets like the U.S. The ability to provide real-time, location-specific, personalized data delivered straight to a customer's smartphone has long been considered the holy grail of location-based marketing. 

2014 150

Open Loops 2/15/2013: Articles I Think Worth Passing Along

Simple Productivity Blog

Have you considered getting rid of it in favor of your cell phone? Apparently merchants can start recouping their transaction fees to the credit card companies by passing it onto the consumer. From Wisebread’s “Be on the Lookout for Credit Card Checkout Fees” This is a good article in how to navigate a tricky situation…and office bully. Fridays are open loop days at SimpleProductivity blog. Do you have a landline?

2013 126

5 Steps to Increasing Your Cash Flow

Office Organization Success

With a merchant account you can very easily accept all major credit cards without your clients and customers having to go via Paypal (this is a great option for a secondary payment processor). There is the danger that if you let payments go beyond the end of the program the client will feel that they’re paying for a program they are no longer a part of, and this can result in higher credit card declines. You’ve done it!

2015 173

How to Create the “VIP Experience” for Your Clients with a Welcome Packet

Office Organization Success

Credit Card Authorization Form: you want to get paid, right? Be sure to include this form on a separate page so that your client can fax back their credit card details to you. It lets your clients know, amongst other things, how and when they can communicate with you i.e. you can state that phone calls must be scheduled in advance or you’ll only take calls between certain hours – you don’t want clients calling you at eight o’clock on a Sunday evening, do you?

2014 177

Payment Processing "On Location" Just Got a Whole Lot Easier (App How-To and Review)

Productive & Organized

The log-in can either be done using your email address or your phone number that is tied to your PayPal account. Today, I'm going to walk you though processing a credit card, but as you can see, you could use this app as a general cash register if you wanted to. You'll also notice that this screen shot tells you that the card reader is not attached.      5 - Choose the scan card button.

2013 147

Mobile and P2P Payments Options Exploding

Small Business Labs

  Visa:   The credit card giant recently announced a new service that will allow U.S. Visa card holders to send and receive funds from other Visa cardholders anywhere in the world.  Google : The Wall Street Journal reports that Google is teaming up with Master Card and Citibank to embed Near Field Communications (NFC) technology into the Android operating system.  It's getting crowded in the mobile and peer-to-peer (P2P) payments space.  

2011 146

How to Budget Using the 50/20/30 Rule

Dumb Little Man

Try to reduce your existing debts, such as your credit card and cash advance payments. Setting aside at least 20% of your monthly income for this purpose ensures that you have a good credit rating , making you more qualified for future loans in case you will need one. Spend it in whatever way you want – buy a new pair of shoes, a new phone or save it up for a vacation. Thinking about ways to better manage your finances?

Budget 210

7 Top Tips to Avoid Being Caught in a Phishing Net

Dumb Little Man

Being phished could result in the theft of your personal details – account information, credit card numbers, PIN numbers, passwords and much more. It could be your bank or credit card or other finance company, an internet provider, an online retailer, your employer and even the government. If you’re not sure whether or not the email may be legitimate, it’s safest to contact the company direct by phone or via their website to double check.

2016 154

6 Things to Think About When Booking a Wellness Retreat

Dumb Little Man

There’s nothing worse for messing with your chakras than a glaring credit card bill when you return home. You wouldn’t be making the most of your relaxing experience if you find your holiday companion taking loud phone calls during a massage. Wellness retreats offer the perfect opportunity to wave goodbye to packed trains and an overflowing inbox and say hello to wind chimes, fluffy dressing gowns, and total zen.

2019 184

5 Steps to Build Processes That Safeguard Your Most Sensitive Data

Small Business CEO

From credit card numbers and addresses to phone numbers and financial and medical information, it starts to add up pretty quickly. It seems like major corporate data breaches have become all too common. In fact, they’ve become so common that you might have become immune to such news. If you own or run a small business, you might think protecting sensitive data is not something you have to worry about.

2015 81

30 Easy Ways to Save Money You Probably Aren’t Doing Yet

Dumb Little Man

Most utilities and other recurring bills can be set to be charged to a credit card or deducted from a checking account these days. Avoid credit cards with annual fee. Credit cards with their cash back bonuses and reward points are a great way to save some money. Just make sure that the card does not charge you any annual fees. There is no dearth of cards that offer fee-free reward plans, so there really is no reason to pay the annual fees. .

2019 174

Hired as C Suite EA and role description reads like an Office Assistant – Ask an Admin

Office Dynamics

I do very minimal tasks for him as well and my role description consists of miscellaneous things from issuing credit cards for anyone to issuing cell phones to anyone to ordering catering for anyone in the building to filling the frig in the boardroom when it gets low. Heather Asks: Background: The majority of my career has been as an EA to a VP of Operations for a local Fortune 500 company. They “restructured” leaving my team with a job almost 2 yrs ago.

2019 124

6 Ways to Simplify Your Finances This Year

Simple Productivity Blog

Many service providers and credit card issuers allow you to adjust due dates to a time that suits you best, such as at the beginning or end of the month. Most service providers, such as those for your cell phone, Internet, and cable TV, allow you to set up automatic payments from your checking account or credit card. And most credit cards allow you to schedule payments in advance or autopay your account as well.

Coping with car hire – When the best is expected

Practically Perfect PA

Due to the low number of high end vehicles available, it’s not as simple as just phoning another depot to rearrange dates, many vehicles in this sector have to be delivered and collected to order from other locations. This is to reduce credit card fraud and to comply with insurance company requirements. Security deposits are always required on credit cards (sometimes 2 cards are required), the amount is pre-authorised on the card pending the safe return of the vehicle.

2014 199

Bad Credit Loan Scams: 3 Signs to Look Out

Dumb Little Man

When you need emergency funds, having a bad credit score will usually put you at a disadvantage. These kinds of borrowers are often targeted by “lenders” that offer bad credit loans. Some might be enticed to take out a bad credit loan as it offers immediate access to necessary funds. One of the most obvious signs of a bad credit loan scam is a request for an upfront payment. No-credit-check personal loans. Credit Money FTC

2020 123

What To Do When Debt Collectors Harass You at Work

Dumb Little Man

The calls increase and soon, you’re stuck turning off your phone while you’re at work. The list includes credit reports, creditors, and other third-parties. They can also ask to verify your physical address and phone number. He currently owes $15,000 in credit card bill. As long as you can reasonably answer the phone while at work. It’s a good idea to let collectors know your workplace policies for personal calls, either in a letter or over the phone.

2018 138

Reduce Your Household Bills By Going Green

Eco-Office Gals

Companies such as phone/energy providers, credit cards and catalogs have all been known to charge a little per month for printing and sending paper bills. Times are tough and money is tight for a lot of us. Here are a few tips you can easily implement to reduce your household bills whilst you save energy. Go Paperless.

2011 167

Your business travel tips

Practically Perfect PA

Essentially you can send your boss off with a paperless itinerary as everything can be viewed on their phone via the App – no more lugging around extra papers when travelling. An emergency card with condensed information is useful, particularly if there is no signal on your phone. Have an emergency plan as to where you would go or what you would do in an emergency e.g. can you use your credit card to buy things, book tickets to get you out the country quickly.

Travel 157