Buy a London Travel Card: Underground (Subway) & Buses – Rail

#travel london

Even the Queen couldn t get around London any easier.


Why should I purchase the London Travel Card before I depart for Europe?

Peace of mind, convenience, and the ability to immediately start saving money and time upon arrival.

What is the difference between the London Travel Card and the Visitor Oyster Card?

The London Travel Card and Visitor Oyster Card both have great features depending on your travel plans. Consider this when selecting your card:

London Travel Card

  • is a great option when you will be traveling in London for a specific number of days and plan on taking the Tube and Buses.
  • is good if you know you will only be traveling in 2 or 6 zones when you purchase the card.
  • requires you to provide your 1st date of travel.
  • is valid for a set amount of days regardless of how much you travel.
  • Visitor Oyster Card

    • is a great option if you are using London as hub to travel to other parts of Britain.


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    S Best Credit Card Deals – CardHub Editor s Picks –

    #deals on travel

    Best Credit Card Deals

    Capital One QuicksilverOne Cash Rewards Credit Card

    • Purchase Intro APR 0% until September 2016
    • Transfer Intro APR 0% until September 2016
    • Regular APR 22.9% (V)
    • Annual Fee $39
    • Rewards Bonus None
    • Earn Rate 1.5% Cash Back


    Best for Rewards. Capital One’s QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a straightforward rewards program, offering 1.5% cash back across all purchases, which will easily overcome its $39 annual fee for users who make most of their purchases with plastic. 1.5% cash back across the board is equivalent to what people with excellent credit get from the best rewards cards on the market. In addition, a 0% introductory interest rate on new purchases until September 2016 makes the QuicksilverOne Card a great way to avoid interest on big-ticket purchases as well.

    Journey Student Rewards from Capital One


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    The Best Travel Credit Card of 2015: Chase Sapphire Preferred #airline

    #best travel credit card

    But apart from the Ultimate Rewards program, how did we come to the conclusion that the Chase Sapphire Preferred credit card provides the best overall value for everyday finances as well as travel redemption? We asked and answered the following questions:

    1. How many redemption options are available with the points?

    The Sapphire Preferred has two different types of redemption options available. The first and best value can be achieved by using any of Chase’s transfer partners. There are 11 airline, hotel and rail travel partners for which points can be transferred at a ratio of 1:1. When a transfer is complete, the points immediately appear in the destination partner account no waiting required.

    • Airline transfer partners: British Airways, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines and Virgin Atlantic
    • Hotel transfer partners: Hyatt, Intercontinental Hotel Group, Marriott and Ritz Carlton
    • Amtrak is also a transfer partner, allowing redemptions on any of their routes across the country

    An alternative use of the points is to book travel directly through Chase’s portal. Redeemed points can be cashed in at a rate of 1.25 cents per point, so 10,000 points would equate to $125 in travel.

    2. Are the points transferrable to my spouse, significant other or family?

    Points earned with the Sapphire Preferred, known as Ultimate Rewards, can be transferred freely to a spouse or significant other’s account for free. This ability to combine points across accounts adds significant value to the program as there is never a need to worry about errant points.

    3. How many points are awarded as a sign-up bonus?

    There is a $4,000 minimum spending requirement to be met within the first three months of the card opening, and then 50,000 bonus points are awarded to the user. Add another authorized user to the account (and ensure they make a purchase within that same three-month period) and you’ll be awarded an additional 5,000 points!

    4. How many points are earned for everyday spend?

    The Sapphire Preferred card earns one point per dollar on everyday spending.


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    How to Get Cash Back From a Credit Card: 13 Steps


    How to Get Cash Back From a Credit Card

    Understand how cash back rewards work. The cash back on cards that offer this benefit usually come in the form of credit added back to the account. Depending on the card, you will earn different cash back amounts in the form of percentages. The Royal Bank of Canada (RBC), for example, offers a card that pays 2% for purchases in grocery stores and 1% on all other purchases and automatic payments. [1]

    • Different issuers will provide different options regarding when to apply the earned cash back benefits. The aforementioned RBC card, for instance, allows you to receive the payments every time the balance reaches $25 or once a year, getting you a bigger sum all at once. [2]

    Compare cash back benefits. You can use websites such as NerdWallet or The Simple Dollar (among many others) to compare the relative benefits of different cards, such as where they earn the highest percentage of cash back and how you get to apply the funds. [3] [4]

    • Most offer between .05% and 2% on average, although some have raised it as high as 5%. Other cards offer higher rates for the first several months you have the card but not permanently. [5] Read the fine print on each card to determine which is most likely to benefit you.

    Narrow your selection based on other credit card criteria. Cash back cards are still subject to annual fees and annual percentage rates (APRs) just like normal credit cards. Make sure you take these factors into consideration as well as you research and choose an appropriate card for you.

    • Since APR is tied to factors like credit score, it helps to have your current score on hand. Many of the sites you can use to compare cards allow you to narrow based on your credit score as one of the criteria. [6]

    Apply for the card you choose. The application process for these cards is the same as any other credit card. It will include your personal information, such as address and social security number, as well as employment information. You will also have to authorize the company to look into your credit history. Try not to apply for a card for which you think you might not qualify. The number of times you apply and are rejected for a credit card makes up part of your credit score.

    • Most companies will allow you to apply online, or you can print off an application to mail in.
    • Once you receive the card, you will call a toll-free phone number to activate the card.
    • Sign the back of the card in the signature box, or write “request ID” if you do not wish to have your signature on it. You will then be required to show identification each time you use the card.

    Tips Edit

    Review and compare your current program at least once a year to new offers, as these are ever-changing. If you find an offer you like, call your current credit card company and attempt to negotiate. It is easier to stay with the same company than to change if they are willing to meet your terms.

    Check if the card is 0% interest and zero fee for the first year only or also for subsequent renewals. They often will trick you here in the fine print.

    Consider cards where you earn miles or points as well. Cards where you earn rewards with specific businesses such as airlines or companies often accrue rewards at a higher rate than cash back rewards. Though these rewards are less redeemable, they can still turn out more beneficial to you if you commonly make large purchases with that specific merchant.

    Use the card for everyday purchases to optimize your cash back reward.


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    Credit Card Reader For Laptop or Desktop Computer – Windows or


    Credit Card Reader For Laptop or Desktop Computer – Windows or MAC – USB – 3 Track

    Paymentmax credit card reader

    Paymentmax credit card reader

    Once They are Gone, They’re Gone.

    Highest Rated USB Computer Card Reader

    Full 1 Year Warranty! – Ships Fast!

    We Have Sold Thousands of These High Quality 3 Track USB Credit Card Readers / Swipers Since 2007!

    This is Our BEST Selling Computer Card Swiper For ALL Windows MAC Computers.

    Also Works on Microsoft Surface Tablets with Full Windows Operating System.

    – Educational Institutions (Reading ID’s)

    – Small to Large Businesses (CC Processing)

    Use with 100’s of compatible Merchant Accounts – (Partial List of Compatible Credit Card Processing Merchant Accounts Listed Below) – or one of our own low cost Merchant Accounts. (call our sales office at (224) 677-0283 x 2 for more information on our low cost accounts)

    In Addition to Credit Card Processing, This Reader Can Output the Data to any Excel, Word, Notepad, Other Document or Web Page Field With NO Additional Software Needed!

    Just Swipe Any Card Through The Reader and The Data Flows Into The Document – Then Copy and Paste The Data Into Your POS Software or Virtual Terminal!

    See Below For More Product Information

    Model – USBSwiper MSR-100

    Measures only 3.5″ x 1″ x 1″ – Fits in the palm of your hand

    5 foot long USB Cable

    Standard 3 Track Keyboard Emulation – (K.E.M.) Bi-Directional Credit Card Swiper

    Reads cards with 1 track, 2 tracks or 3 tracks of data

    USB Interface, External USB Card Reader Swiper,

    Conforms to ISO Standards

    Long lasting and durable rated for over 1,000,000 swipes!


    Full 1 Year Warranty! – We Have Sold Thousands of These High Quality 3 Track USB Credit Card Readers Since 2007!

    This Card Reader Reads all credit, debit and other cards with a magnetic strip including chip cards which have the strip on the back – reads 1 track, 2 tracks or all 3 tracks of data. (no programming required)

    Works on all Windows Laptop and Desktop Computers (XP, Vista, 7, Windows 8 10 PC and Microsoft Surface Tablets with Full Windows 8 10 – but not Windows RT)

    Also Works on MAC Computers!

    Reads all credit, debit and other cards with a magnetic strip including chip cards which have the strip on the back – reads 1 track, 2 tracks or all 3 tracks of data. (no programming required)

    – Credit and Debit cards

    – Student ID’s and More

    – Small to Large Sized Businesses

    – Educational Institutions and

    Use with your own Merchant Account – Partial List of Compatible Merchant Accounts Listed Below – or one of our own low cost Merchant Accounts. (call our sales office at (224) 677-0283 x 2 for more information on our low cost accounts)

    In Addition to Credit Card Processing, This Reader Can Output the Data to any Excel, Word, Notepad or Other Document or Web Page Field. (no additional software needed)

    You Can Also Swipe The Data Into a Document or Excel Spreadsheet and Then Copy and Paste The Data Into Your POS Software or Virtual Terminal!

    To use this Credit Card Swiper with our own LOW RATE Merchant Account Programs – Please Call Our Sales Department For Our Low Rate Accounts. (224) 677-0283 x 2

    Third-Party Compatibility List (partial)

    With the USBSwiper Credit Card Terminal, you can turn your computer into a credit card processing POS System when used in conjunction with compatible merchant accounts or software platforms.

    Below is just a short list of some of the most popular Merchant Account Providers our credit card reader works with for their computer credit card processing environment WITHOUT the need for additional software. (Works with 100’s of other Merchant Account providers as well – see below to learn how to find out if yours is compatible)

    If your current credit card processing software and /or merchant account provides software or has a virtual terminal that is compatible with a keyboard emulation 3 track USB interface reader, then our credit card reader will work. If you do not see your merchant account or software platform listed below, please check with them as to compatibility.

    Auctions for SalesForce

    Charity Auction Organizer / Auctria – with Stripe Merchant Account

    Easy Storage Solutions

    Elavon (Virtual Terminal)

    First Data (Virtual Terminal)

    Intuit GoPayment Website Interface

    Intuit Merchant Services with Quickbooks Software (not virtual terminal)

    Med Fusion (with Intuit)

    MerchantWARE by Merchant Warehouse

    Opera Web Suite

    SalesForce Click Pledge

    Transfirst (Virtual Terminal)

    Vend Point of Sale

    If your merchant account provider is not listed above , please check with them to verify that a 3 Track Non-Encrypted Keyboard Emulation Credit Card Swiper will work with their merchant account system and /or their virtual terminal as there may be a software they need to provide. If not, we offer many low rate merchant accounts that do work with this type of reader. Please call us at 224-677-0283 for more information.

    To use this Card Reader with our own LOW RATE Merchant Account Programs – Please Call Our Sales Department For Our Low Rate Accounts. (224) 677-0283 x 2

    For Bulk Purchases, please call our Sales Department at (224) 677-0283 x 2

    Latest Customer Reviews on USBSwiper

    Why am I a Big Fan of USBSwiper? I own a small dress store located in an old barn in a small town in Midway, Texas. I am only open on Saturdays from 10-4 but people drive from all over Texas to shop here on Saturdays. Over the past 10 years the store has kept growing bigger and bigger and I had no way to accept credit cards without going through a major hassle with a bank set up. I have had a Pay Pal account for many years and a couple years back I found USBSwiper and saw that they were offering a way for merchants to accept credit cards and have the money go right into my Pay Pal account. I was very excited and started looking more into the USBSwiper plan right away. Where USBSwiper shines is in their unparalleled customer service. USBSwiper is quick, easy and perfect! I have no problems with my USBSwiper. Swiping the cards increased my sales by nearly double. Before, I had to type in names, addresses, card numbers, etc into Pay Pal for each transaction and it took forever to check a customer out, so this also saves me a lot of time. I used the extra time to build a small web site for the store, My thanks to everyone at USBSwiper for making such a helpful product. I recommend it fully to everyone who asks me. I own and run The Secret Sale Barn, 17509 OSR in Midway, Texas. My name is Katherine and you can write me any time at csrsupp[email protected] if you have any questions about how wonderful this product is. Better yet, come to Midway, Texas and see it in action! We would love to have you visit the barn!

    HALO Branded Solutions is in the business of selling Promotional Products to businesses from the very large to the very small. We are one of the larger companies in our industry. While the vast majority of our business is processed in house through our own systems, we participate in Trade-Shows all over the country to sell and promote our products with some of our biggest and best clients. We needed an easy and mobile platform in order to process these transactions. We needed something that was reasonably priced, easy to use, easy to transport, and would work sitting on a folding table in the middle of a banquet facility. But we wanted more than just a method of charging a credit card. We needed more information than that. We needed to be able to analyze what items were selling at which events, we need to be able to account for inventory, create records, invoices and reports to be presented internally and to our clients. The USBSwiper system has worked out great for us! The platform has a great balance of giving you all the necessary information while being very easy to use. The function which has been the most important to our company is the ability to export custom reports. This has been crucial in analysis, reconciliation, and reporting. The USBSwiper customer service and tech support has been excellent as well. Overall, the system works perfect for our needs and we have been extremely happy with the relationship in the short time we’ve had the system. In just a few months, we processed nearly 10,000 transactions through the 4 complete USBSwiper systems (Swipers, Software, Printers and Bar-Code Scanners) at events in LA, Atlanta, Orlando, Birmingham, Tempe, Salt Lake City, Denver and Boston. We will have several more to come and will be using the USBSwiper credit card processing system at all of them.

    We have been using the USBSwiper system for approx. 2 years now and couldn’t be happier. We attend various events and trade shows and it’s great to have an easy and portable system to use for transactions and inventory control. I would highly recommend them to anybody!


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    10 Best Credit Cards – (2017 Reviews) – Top 10 Cards


    2017’s Top 10 Credit Cards

    Below are our staff’s brand-new rankings of 2017’s best credit cards. Whether you prefer low APR’s, cash back, or any other perk, these top 10 credit cards are the best of the best:

    The credit card offers that appear on this site are from credit card companies from which receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). does not include all credit card companies or all available credit card offers.

    [x] Close Disclosure

    2017’s Best Credit Card

    Discover it Cashback Match

    • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations,, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
    • No annual fee.
    • See application, terms and details.

    0% for 14 months

    • Unlimited 1.5% cash back on every purchase — it’s automatic
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Redeem for cash — any amount, anytime
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee
    • See application, terms and details.

    0% for 15 months

    • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations,, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
    • No annual fee.
    • See application, terms and details.

    0% for 14 months


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    RBS – Credit Card Online Services #online,services,management,credit #card,personal,banking,rbs


    Credit Card Online Services

    Sign up

    It�s easy to sign up for Credit Card Online Services, and it should only take a few minutes.

    When you sign up, you�ll have to create your own login details. You need separate details for Credit Card Online Services and Digital Banking.

    You�ll get instant access to a limited version of the service. We�ll then send you an activation code by post. Use this the next time you login to Credit Card Online Services to get full access.

    Credit card only customers

    Sign up for Credit Card Online Services for our most comprehensive online credit card management service.

    More than one RBS account

    If you have an RBS credit card and another RBS savings, loan or current account, you can sign up for Digital Banking and Credit Card Online Services. If you don�t have an RBS credit card, you can still sign up for Digital Banking.

    Common questions

    What�s the difference between Digital Banking and Credit Card Online Services?

    Digital Banking puts you in control of many of your RBS accounts, including your current account. It also lets you carry out some everyday transactions on your credit card account.

    For example, you can view or download your transactions or pay your credit card from your current account.

    However, Credit Card Online Services lets you do more. You can:

    • Monitor your credit card � keep track of your credit card spending 24 hours a day, including up to date transaction and balance details
    • Receive free alerts � to keep you up to date with your credit card balance and when your payment is due*
    • Use your credit card for more � pay bills, make a balance transfer and transfer money to your RBS current account or any other UK bank account
    • Pay your credit card bill � make a payment from any UK debit card
    • Go paperless � with online statements you can see and download statements from the last eighteen months
    • Manage your personal details � update all of your contact details online.

    back to top

    Can I use my Digital Banking details to access Credit Card Online Services?

    No. To access Credit Card Online Services you will need to set up a separate username, internet PIN and password.

    Who can use Credit Card Online Services?

    To register, you need to be aged 18 or over and have an RBS credit card.

    What happens when I register?

    We�ll ask you to choose a username and create an internet PIN and password. You�ll need these details every time you login.

    As soon as you�ve chosen your username and internet PIN, you�ll have instant access to your credit card balance and transactions.

    We�ll send you an activation code within 7-10 working days. You�ll need this to activate your account and get access the full online credit card servicing management tools. To protect your security, we�ll send the activation code by post.

    How do I activate my account?

    When you receive your activation code, login and enter your code. You�ll then have full access to Credit Card Online Services.

    Need a helping hand?

    If you need help to complete your registration, just call us on 0345 301 6080 (Minicom 0345 3003699). Lines are open 24 hours a day, 7 days a week. Calls may be recorded.

    *Your network operator may charge you for texts received whilst overseas

    To sign up for Credit Card Online Services you need to have a RBS credit card and be aged 18 or over.

    Please note that system updates will mean that Credit Card Online Services is unavailable for short periods in the early hours of the morning

    Log in sign up


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    TRIO Credit Card #trio #credit #card, #trio #card


    TRIO ® credit card

    TRIO SM Credit Card

    Credit Cards are subject to credit review and approval. Rates determined by creditworthiness of applicant.

    * Your rewards are earned as points which you can redeem for cash back as a credit card statement credit, a deposit into your Fifth Third checking or savings account, or a credit to the principal balance of certain Fifth Third home equity and installment loans and mortgages. If you prefer, you can also redeem for retail and restaurant gift cards, merchandise and travel. The value of each point is $0.01. You can track your rewards balance and view redemption options anytime through Online Banking at 8

    1. New Account Bonus Offer: Offer not available to existing Fifth Third consumer credit card customers or those with a Fifth Third consumer credit card account that has been closed within the last 12 months prior to account opening. To qualify for the new account bonus worth $100, you must make purchases totaling $1,000 or more during the first 90 days from account opening. Upon reaching the purchase qualification, you will receive 10,000 Real Life Rewards Points which can be redeemed for $100 cash back. Purchases are defined in disclosure #3 below. Please allow 6 to 8 weeks after reaching the purchase qualification for points to be awarded. Your account must be open and in good standing at the time the bonus points are awarded. Bonus points awarded may be subject to tax and you should consult your tax advisor to determine tax requirements.

    2. Earn 3 Rewards Points (3% cash back) for each $1 spend on qualified restaurant Purchases and earn 2 Rewards Points (2% cash back) for each $1 spent on qualified gas, grocery store and drug store Purchases (on up to $1,500 in combined qualified Purchases per calendar quarter). Earn 1 Rewards Point (1% cash back) for each $1 spent on qualified Purchase after $1,500. The value of each point is $0.01.

    3. See the Rewards Terms and Conditions for important information including details about: (1) Purchases: dollar value of goods and services, minus credits and adjustments, excluding fees and other items. (2) Categories: Merchants’ card readers are assigned to categories which determine how a transaction is characterized for Rewards purposes. We do not control which categories card readers are assigned to. (3) Redemption options. (4) Changes: the Program may change. (5) Expiration: Some Points expire.

    4. Click here for the TRIO Credit Card Rates, Fees, Terms and Conditions.

    5. Cellular Telephone Protection is subject to a fifty dollar ($50.00) deductible per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $200 per claim and $400 per twelve (12) month period. Cellular Telephone Protection covers your primary line and the first two additional lines listed on your monthly billing statement; does not cover rented, leased, or borrowed telephones as a part of a pre-par or “pay as you go” plan. You must charge your monthly Cellular Wireless Telephone bills to your Fifth Third consumer credit card. Your Cellular Telephone Protection begins the first day of the calendar month following the payment of the Cellular Wireless Telephone bill using your Fifth Third consumer credit card. Additional terms, conditions, and exclusions apply. Refer to the Cell Phone Protection Guide to Benefits for full details.

    6. Certain terms, conditions, and exclusions apply. See the applicable Fifth Third Bank Mastercard Guide to Benefits for a complete explanation of card benefits and services.

    7. You must notify us immediately and assist us in our investigation if your Card is lost or stolen or you believe someone is using your Card without your permission.

    8. Rewards credit will be applied to the principal amount of your loan. The credit will be reflected on your account 1 to 2 weeks after redemption. The credit does not relieve you from your regularly scheduled payments. See the Rewards Terms and Conditions at for additional information, including a full list of eligible products.

    Mastercard and Masterpass are registered trademarks of Mastercard International Incorporated.

    Apple Pay is a registered trademark of Apple Inc.

    Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd

    Android and Android Pay are trademarks or registered trademarks of Google.

    Microsoft and Microsoft Wallet are trademarks of Microsoft Corporation.

    Real Life Rewards is a registered service mark of Fifth Third Bancorp.

    Real Life Rewards® Program Terms and Conditions


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    Retail Merchant Services, Credit Card Machines and Online Payments, what is


    Low-cost credit card machines for small business owners

    Award winning merchant services trusted by over 45,000 UK businesses for credit card machines, online payments and phone payments.

    What is a flexible spending credit card

    Start taking card payments now

    What is a flexible spending credit card

    Credit Card Machines

    We have the widest range of credit card machines from any merchant services provider, with contactless payments as standard.

    What is a flexible spending credit card

    Online Payments

    Accept credit cards online with a payment gateway, pay by link or pay now button and grow your business without boundaries.

    What is a flexible spending credit card

    Phone Payments

    Give customers greater convenience without losing the personal touch and accept credit cards over the phone with a virtual terminal.

    We re no ordinary Merchant Services Provider.

    • What is a flexible spending credit card

    Award Winning Merchant Services

    When you call us, it will be one of our UK based Customer Service Advisors who picks up the phone, not a machine. As a Retail Merchant Services Member, we want to exceed your expectations and we invite our customers to let us know if we fall short.

    Our Customers

  • What is a flexible spending credit card

    More than just Card Machines

    When you join us, you’ll get a reliable credit card machine with contactless payments as standard, but you ll also get a range of Membership Benefits for small businesses, including: Free Legal Advice, Discounted Utilities and Merchant Cash Advance.


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  • The Card That Pays You to Use It! #acura #rewards #card


    About TruCa$h

    Welcome to TruCa$h, the loyalty program that rewards you every time you shop!

    TruCa$h is a market leader in prepaid payment, incentives, gifting, and loyalty. We provide prepaid solutions for gift cards, debit cards, payroll, incentives, and consumer loyalty.

    Our unique online platform offers flexible value-added, customer centric functionality with more security, accountability, and manageability features than any other loyalty program in the world.

    What can I do with my TruCa$h Card?

    Our Programs TruCa$h offers a number of powerful Prepaid offerings to meet and exceed your business needs.

    Our suite of prepaid products is designed to offer you the most unique rewards, recognition, or payment solution, using state-of-the-art prepaid technology, coupled with our years of industry experience and industry partnerships; to offer you the most innovative prepaid solution available.

    To learn a little more about the different programs that TruCa$h offers, please click on any below and you will be directed to about the program.

    • Customer Loyalty & Promotions
    • Corporate Incentives & Expenses
    • Employee Compensation
    • Virtual Prepaid Card Programs
    • Mobile Application

    Loyalty TruCa$h provides you with an exciting rewards program that is simple and easy to use:

    • Earn points from a wide variety of merchants
    • Donate your points to charity
    • Receive preferred membership services
    • Access your account balance electronically
    • Sign up for electronic partner and information updates
    • Receive meaningful recognition for loyal patronage

    How to earn points The TruCa$h multi-function card allows you to earn points with a wide coalition of national, regional and local retailers across North America and Europe, as well as our on-line network of over 1000 points issuing e-retailers.

    How to redeem points TruCa$h features a unique “real-time” points-to-cash model for un-paralleled flexibility and control. Our points earning and redemption platform recognizes your card number when swiped through the POS. Depending on program specifications, a certain number of points are awarded to the card. Points can be converted to cash on the card to be redeemed at any ATM or POS terminal around the world.

    TruCash Programs

    Incentive / Rebate / Gift Cards

    A proven and effective way to move inventory, launch new products and build excitement around your company without the inconvenience of cheques.

    Payroll and Commission

    A simple, cost effective & efficient alternative to cheques for serving banked, unbanked and short term contract employees.

    Loyalty Programs

    A proven and effective way to attract prospective clients, retain existing customers and even reward your own employees!

    As a leader in the prepaid & loyalty card industry, TruCa$h has received awards for programs that are continually pushing and changing the world of prepaid and loyalty cards. click for more info »


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    Credit Card Debt Consolidation Companies #credit, #card, #debt, #consolidation, #loan, #student,


    Credit Card Debt Consolidation
    This site is a quick and easy way to find out information about consolidating credit card debt. If you are searching for a company to help you consolidate unsecured debt (such as credit cards), we can help you find the popular online companies that offer these services.

    Credit card debt consolidation is a fairly simple process, but it does take some time. It is a process that is perfectly suited for doing online. The companies that we list on these pages all specialize in debt consolidation and are all reasonably well known.

    We don’t perform credit card debt consolidation, but we can tell you the top companies that do.

    Free Debt Consolidation simple debt consolidation service, not a loan, they actually reduce your interest and payments.

    DebtWave do you have past due bills? Get a free debt help quote and work to get debt free.

    DebtWave can help with your debt problems.
    DebtWave have helped many people settle their debts, avoid filing bankruptcy and build strong and secure futures. With their debt settlement system, they will negotiate on your behalf to actually reduce your debt allowing you to make your payments.

    If your credit report is all messed up, you need to get it fixed. You can either try and fix it yourself or find a company to help you out. Lexington Law are experts at correcting bad reports.
    Find out more .

    Check out our entire list of debt consolidation programs.
    If you have too much unsecured debt, you can consolidate your current debts with home refinance and relief programs, but be careful before you guarantee your home for past unsecured bills.

    Credit Card Debt

    DebtWave will help you regain control of your unsecured debt. A popular choice.

    If you just need a little help making it to the next pay check, applying for a short term loan online may help by providing you with a fast and convenient solution. It can be done 100% online, with approval in minutes, and you can have your money fast.

    It takes just a few minutes to apply for a payday loan online. You can get a fast approval notice, but they are pretty expensive in fees and interest.

    Short term loans can be a fast and effective solution to your short term financial needs. Be sure to check all costs and compare your options.

    Need help budgeting your money? Try Mvelopes Personal.

    Before you enter into a consolidation program, make sure you get all the information on the risk factors to avoid.


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    How credit card transactions work #credit #card #processing, #interactive, #credit #card


    How credit card transactions work

    Interactive guide shows how merchants, banks process card purchases

    By Tyler Metzger | Published: January 14, 2009

    More than 23 billion credit cards transactions are processed annualy in the United States. But have you ever wondered what exactly happens after your card is swiped?

    Use this guide to to find out how your credit card transactions are processed.

    How a credit card is processed

    Step 1, Authorization

    1. The cardholder requests a purchase from the merchant.

    2. The merchant submits the request to the acquirer.

    3. The acquirer sends a request to the issuer to authorize the transaction.

    4. An authorization code is sent to the acquirer if there is valid credit available.

    5. The acquirer authorizes the transaction.

    6. The cardholder receives the product.

    1. The merchant stores all the day’s authorized sales in a batch.

    2. The merchant sends the batch to the acquirer at the end of the day to receive payment.

    1. The batch is sent through the card network to request payment from the issuer.

    2. The card network distributes each transaction to the appropriate issuer.

    3. The issuer subtracts its interchange fees, which are shared with the card network, and transfers the amount.

    4. The card network routes the amount to the acquirer.

    1. The acquirer subtracts its discount rate and pays the merchant the remainder.

    2. The cardholder is billed.

    Acquirer: A bank that processes and settles a merchant’s credit card transactions with the help of a card issuer.

    Authorization: The first step in processing a credit card. After a merchant swipes the card, the data is submitted to merchant’s bank, called an acquirer, to request authorization for the sale. The acquirer then routes the request to the card-issuing bank, where it is authorized or denied, and the merchant is allowed to process the sale.

    Batching: The second step in processing a credit card. At the end of a day, the merchant reviews all the day’s sales to ensure they were authorized and signed by the cardholder. It then transmits all the sales at once, called a batch, to the acquirer to receive payment.

    Cardholder: The owner of a card that is used to make credit card purchases.

    Card network: Visa, MasterCard or other networks that act as an intermediary between an acquirer and an issuer to authorize credit card transactions.

    Clearing: The third step in processing a credit card. After the acquirer receives the batch, it sends it through the card network, where each sale is routed to the appropriate issuing bank. The issuing bank then subtracts its interchange fees, which are shared with the card network, and transfers the remaining amount through the network back to the acquirer.

    Discount fee: A processing fee paid by merchants to acquirers to cover the cost of processing credit cards.

    Funding: The fourth and final step in processing a credit card. After receiving payment from the issuer, minus interchange fees, the acquirer subtracts its discount fee and sends the remainder to the merchant. The merchant is now paid for the transaction, and the cardholder is billed.

    Interchange Fee: A charge paid by merchants to a credit card issuer and a card network as a fee for accepting credit cards. They generally range from 1 to 3 percent.

    Issuer: An financial institution, bank, credit union or company that issues or helps issue cards to cardholders.

    Join the discussion

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    Three most recent Merchant accounts stories:

    • Yes, merchants can get new card info on recurring charges Updater services allow merchants to know when your credit card information changes, and to alter their records accordingly. If you don’t want to continue the subscription, you’ll need to cancel it directly.
    • EMV holdouts: Why merchants are slow to make chip-card switch With the EMV liability switch coming in October, many merchants are still in the dark on what is required of them.
    • Is it time to negotiate a new merchant account? Some business owners stick with a merchant services account they secured as a startup, but that now costs them more than they should be paying.

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    How to Transfer a Credit Card Balance – ABC News #credit,




    Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

    How to Transfer a Credit Card Balance

    Here is what you need to know before and after a credit card balance transfer.

    Credit card balance transfers can be an invaluable tool for managing credit card debt. This tactic allows cardholders to move their debt from a card with a high interest rate to one with a lower interest rate, or no interest charges at all.

    While it’s not inherently complex to transfer a credit card balance, there are still several important things that cardholders need to be aware of before, during, and after.

    Before You Transfer a Credit Card Balance

    1. Make sure you keep up with all of your payments. This will allow you to maintain excellent credit and find a balance transfer offer with the best possible terms. The right card may be one you already have with a lower interest rate than the one you are using, or it may be a new card with a 0% APR promotional balance transfer offer. In fact, you may be able to get a promotional financing offer from one of your existing accounts, possibly in the form of a convenience check.

    2. Understand all of the terms and conditions of the balance transfer. Know what the card’s credit limit is, its interest rate on balance transfers, and what the balance transfer fee will be. Balance transfer fees are typically 3 percent of the amount transferred, but not always. Chase Slate currently has the only 0 percent APR promotional balance transfer offer with no balance transfer fee, although others can have fees as high as 5 percent.

    In the case of promotional financing offers, learn how long you have to complete a qualifying transfer, and the length of the promotional financing period. Typically, promotional balance transfer offers must be completed within 30 days to four months of the account opening, and can last from between six and 18 months. Keep in mind that even though the terms might not explicitly say so, banks will not allow balance transfers between their own accounts.

    3. Make a plan. Come up with a sound financial plan for paying down your debt. otherwise your balance transfer is just another form of postponing your obligations.

    Making the Transfer

    Contact the bank that you are transferring the balance to and ask to perform a balance transfer. Be prepared to give the account information for the other card, and the total amount you want transferred.

    After the Transfer

    Continue to make at least the minimum payment required from the old credit card, and if you have paid your entire debt, make sure to get a statement from your bank. However, keep your old account open in order to maintain a low credit utilization ratio. which will help your credit score.

    Most importantly, stick to the plan that you created to reduce your debt. Recognize that it probably will not be possible to take advantage of promotional financing offers over and over again.

    By understanding some of the nuances of balance transfers, cardholders can use these offers to save as much money as possible on their credit card interest charges.

    This work is the opinion of the columnist and in no way reflects the opinion of ABC News.


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    Credit Cards – Apply for Best Offers Online at, credit card


    Credit Card Applications Online is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.


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    About Credit-Land

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    Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

    Capital One, Citibank, Discover Card, Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?

    Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.

    That’s where comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.



    Carrying a balance? Find out how much you’ll save – and how much faster you’ll pay it off – by transferring your balance to a new card.


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    See possible changes to your credit score if you close your credit card, pay off the card balance, or if you get a new card.





    If you have excellent credit history, then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

    Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.


    If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

    Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.


    With a decade of experience in credit cards, experts are equipped to answer any question you may have. We’ve categorized and published selected responses for your education in our FAQ archive. Need an answer about credit cards? Submit your question today.

    Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

    Unfortunately, I do not believe you would be able to gain approval for the Hot Topic credit card if you are completely new to the world of credit and have no established credit history. When you go.

    Figuring out how you can use the points you’ve earned so you you’re not wasting them can be confusing. Points can be converted into cash, transferred to loyalty programs, used to buy airline.

    With your current credit score, you may qualify for almost any credit card with 0% on balance transfers provided all your current credit accounts are in good standing, you do not have recent late.

    You can transfer that balance to a credit card with a 0% intro APR on balance transfers. For example, it can be the Discover it -18 Month Balance transfer card. The card has 18 months of no.

    In order to take part in Menards’ no-interest financing plans, you must be a Menards Big Card holder. To get the Menards Big Card, you can either visit your local Menards store and apply in-store.

    Credit card  offer

    Our Experts will be happy to answer all your questions!


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    Credit Card Rewards – Compare the best rewards credit card offers


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    U.S. Bank Cash 365™ American Express® Card

    Earn a new cardmember bonus of $100 after you spend $500 in net purchases on your card within the first 90 days of account opening.

    Uncategorized LifeLock 60-day guarantee

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    Citi.Com/Applycitisimplicity Invitation Citi Apply Citi Simplicity

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    When Visa or Green Card Holders Must Pay Taxes #insurance #for


    When Visa or Green Card Holders Must Pay Taxes

    Even if you are not a U.S. citizen, you may be required to pay taxes in the United States. Whether or not you must file a U.S. tax return depends upon whether the U.S. government considers you a “tax resident.” All permanent residents (green card holders) are tax residents, but only some holders of nonimmigrant visas are tax residents (see below). Still, filing a tax return can be a good thing if you’ve been working for an employer who’s been withholding taxes from your paycheck — you may get a refund!

    Tax residents must report their entire worldwide income to the U.S. Internal Revenue Service (IRS). It doesn’t matter if a portion or all of that income was earned from investments or business activities carried on outside the United States; a tax resident must report it all. But becoming a tax resident does not necessarily mean that the U.S. government will tax all of your worldwide income.

    These rules are complicated and subject to a number of confusing exceptions. If you are unsure of your situation, consult a tax accountant or lawyer. Also see IRS Publication 519, U.S. Tax Guide for Aliens . available at

    If You Have a Green Card

    Once you get a green card, you automatically become a U.S. tax resident, starting with the year you got the green card, and you must declare your entire income to the U.S. government, unless you took steps to be treated as a resident of a foreign country under an income tax treaty.

    You may have heard that the number of days you spend in the United States each year has some effect on whether or not you are a tax resident. But this is true only for people who have nonimmigrant visas, discussed below. It is not true for green card holders. Even if you remain outside the U.S. for an entire year, you’ll still need to report your entire worldwide income.

    As a green card holder, you must file a U.S. tax return Form 1040 each year.

    If You Surrendered or Abandoned Your Green Card

    Losing your permanent resident status doesn t automatically mean you stop being a tax resident of the United States. You might need to notify the Department of Homeland Security that you lost permanent resident status or are surrendering your green card, and perhaps file IRS Form 8854. before you are relieved of the duty to file U.S. tax returns.

    For some people, this duty to file U.S. tax returns can last for ten years after they stop being a U.S. permanent resident. For more information, see IRS Publication 519.

    If You Have a Nonimmigrant Visa

    Though holders of nonimmigrant visas are, by definition, not permanent residents of the United States, they may become tax residents simply by spending a certain amount of time in the country each year.

    The Substantial Presence Test

    If you hold a nonimmigrant visa, you will become a tax resident if you are present in the United States on at least:

    • 31 days during the current year, and
    • 183 days during the three-year period that includes the current year and the two years immediately before that.

    Thus, you will automatically be a tax resident for any year you spend 183 days or more in the United States.

    However, if you spend less than 183 days, but more than 31, you’ll be a tax resident only if your total days in the United States during the current and previous two years add up to 183. But you don’t count all the days you were present in the country during the previous two years. You count 1/3 of the days you were present in the first year before the current year, and 1/6 of the days you were present in the second year before the current year.

    Example: You were physically present in the United States on 122 days in each of the years 2015, 2014, and 2013. To determine whether you meet the substantial presence test for 2015, count the full 122 days of presence in 2015, 41 days in 2014 (1/3 of 122), and 20 days in 2013 (1/6 of 122). The total for the three-year period is 183 days, so you are considered a tax resident for 2015.

    If you spend fewer than 31 days of the current year in the United States, you will avoid being classified as a tax resident for that year.

    You are treated as present in the United States on any day you are physically present in the country, at any time during the day. However, do not count the following:

    • days you regularly commute to work in the Untied States from Canada or Mexico
    • days you are in the United States for less than 24 hours while travelling
    • days you are unable to leave the United States because of a medical condition that develops while you are in the country
    • days you are an exempt individual–for example, you’re a student temporarily present in the United States under an “F, ” “J, ” “M, ” or “Q ” visa; a teacher or trainee temporarily present under a “J ” or “Q ” visa; or a diplomat, foreign government employee, or someone otherwise related to a foreign government; or a professional athlete who is temporarily in the United States to compete in a charitable sports event.

    If you exclude days of presence in the United States, you must file a fully completed IRS Form 8843, Statement for Exempt Individuals and Individuals with a Medical Condition .

    The Less-Than-183-Plus-Closer-Contacts Exception

    Even if you have a nonimmigrant visa and qualify as a tax resident under the above rules, you can avoid being treated as a tax resident if you:

    • are present in the United States for less than 183 days during the current year
    • have not applied for a green card
    • have a closer connection with a foreign country than with the U.S. and
    • maintain a tax home in this foreign country during the year.

    You will be considered to have a closer connection to a foreign country than the United States if you or the IRS establishes that you have maintained more significant contacts with the foreign country than with the United States.

    There are other exceptions to these tax rules based on tax treaties between the U.S. and your home country.

    If you are a nonimmigrant tax resident of the United States who is required to file a federal income tax return, you use Form 1040NR or 1040NR-EZ.

    Filing Your Taxes as a Foreign-Born Tax Resident

    If you’re a tax resident, all the tax rules applicable to United States citizens also apply to you. You can generally claim the same deductions and credits allowed to U.S. citizens. Tax residents also generally report tax payments, including withholding, using the same rules as U.S. citizens.

    To avoid double taxation, tax residents may claim a foreign tax credit for income tax paid or owed to a foreign country on foreign source income. To claim the credit, you must file Form 1116, Foreign Tax Credit (Individual, Estate, or Trust) . with your Form 1040. For more information, get Publication 514, Foreign Tax Credit for Individuals .

    The due date for filing your tax return and paying any tax due is April 15 of the year following the year for which you are filing a return.

    You are allowed an automatic extension to June 15 to file your return and pay any tax owing if your main place of business and the home you live in are outside the United States and Puerto Rico on April 15. You can also get an automatic extension of time to file your return until October 15, by filing IRS Form 4868 on or before April 15 (or by June 15 if you qualify for the June 15 extension), but will need to pay any tax due by the required, unextended date.

    Failure to follow the U.S. tax laws can lead to bad consequences for tax residents. If you have a green card, it will hurt your ability to qualify for U.S. citizenship. It may also be considered a crime — and if you are found guilty, your green card can be revoked and you may be deported.

    If you have a nonimmigrant visa, failure to follow U.S. tax laws can lead to criminal punishment, revocation of your visa, and deportation. Failure to comply with U.S. tax laws can also make it more difficult for you to obtain permanent residency (a “green card”) should you ever want it.

    To find out exactly how to comply with U.S. tax laws, consult a tax professional or visit the IRS website at .

    To learn more about the details of immigrating to the United States, see U.S. Immigration Made Easy . by Ilona Bray (Nolo).

    Talk to an Immigration attorney.


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    Lloyds and TSB split: What does it mean for you, lloyds


    Lloyds and TSB split: What does it mean for you?

    Lloyds tsb credit card

    By Helen Knapman , Senior News Reporter

    Lloyds tsb credit card

    Millions of Lloyds TSB customers have been transferred to TSB bank from today in one of British banking’s biggest shake-ups.

    Related MSE Guides

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    Of Lloyds TSB’s 1,931 branches across the UK, 631 are now branded as TSB. 4.6 million customers – including those of Lloyds TSB Scotland and Cheltenham & Gloucester – have been moved to the new bank (see our Best Bank Accounts guide for the top deals).

    All the remaining Lloyds TSB branches will now trade as Lloyds Bank.

    But for now, there’s no change to the actual products. creator Martin Lewis says: “TSB may be a new bank today, but it doesn’t have any new products.

    “This means its customers are mostly sitting on the same old Lloyds bank accounts, savings and credit cards, with rates so low the best buy tables giggle with mirth.

    “So while concerns about safety are limited, and it’s too early to tell how good its customer service is – this is a great opportunity to ditch Lloyds and TSB for something better.

    “Right now, First Direct is paying new banking customers Ј125 to switch to it, Barclaycard is letting you shift debts for 28 months 0% (3.5% fee) and Britannia is offering 1.75% easy access savings.”

    Both Lloyds Bank and TSB will remain part of Lloyds Banking Group (LBG) until TSB is floated on the stock exchange, which is expected to take place next year.

    We explain what’s happening below.

    Of the 1,931 Lloyds TSB branches, 631 have become TSB branches. The others stay with what is now Lloyds Bank. If your account or product was opened at any of the 631 branches that have been rebranded, you’re now a TSB customer.

    These branches have been rebranded as TSB:

    • All 185 Lloyds TSB Scotland branches
    • All 164 Cheltenham & Gloucester branches
    • A further 282 Lloyds TSB branches in England and Wales – use Lloyds’ branch checker tool to see what’s happened to your local branch

    Could I be a customer of both banks?

    Yes. Some people will be customers of both Lloyds Bank and TSB if they opened different products at different branches.

    TSB customers should have received letters before today stating which account numbers were moving to the new bank. But if you’d forgotten, or not realised the split was happening today, you’re not alone. MSE Charlotte was left confused this morning about which bank she was a customer of. See her blog post for more.

    I’ve been moved to TSB. Will my current account change?

    LBG says nothing will change for those who’ve been moved to TSB. The product details in your terms and conditions will remain the same, account numbers and sort codes will remain the same, and standing orders and direct debits will be unaffected.

    Debit cards will eventually be rebranded.

    I’ve moved to TSB. How do I access my online banking?

    You’ll now need to go to the TSB website to access your online banking. Your login details won’t have changed.

    TSB says its online banking is now back up and running after it went down this morning following the sheer volume of traffic to the site.

    I’ve moved to TSB. Can I use the mobile banking app?

    TSB customers can’t use the Lloyds Bank app, but TSB has launched its own app, which is available on Android and Apple.

    I’ve moved to TSB. Will my credit history be affected?

    No. The move will not affect your credit history.

    I’ve moved to TSB. Will my savings rate change?

    LBG says nothing will change for customers who have been moved to TSB – your existing savings rate won’t change and the product details in your terms and conditions will remain the same.

    I’ve moved to TSB. Will my savings protection under the Financial Services Compensation Scheme (FSCS) change?

    All TSB customers are now covered by the Lloyds TSB Scotland banking licence, which is separate from the main Lloyds Banking Group licence, which applies to Lloyds Bank.

    Halifax, Bank of Scotland, BM Savings, Intelligent Finance, the AA and more, which are also part of Lloyds Banking Group, also have their own banking licence and count as one institution under this.

    This means you can have up to Ј85,000 protected with TSB under the Government-backed FSCS, which guarantees you your money back if the bank fails.

    If you have any cash saved in any of Lloyds Banking Group’s other brands, this will have separate protection.

    This means you could have up to Ј170,000 protected if you have savings accounts with both TSB and Halifax, for example.

    I’ve moved to TSB. Will my mortgage rate change?

    LBG says nothing will change for those who’ve moved to TSB – your existing mortgage rate won’t change and the product details in your terms and conditions will remain the same.

    I’ve moved to TSB. Will I still be able to use my Duo Avios credit card?

    LBG says customers will have received a new TSB Duo Avios credit card in June and that these will work in exactly the same way as before, and the card’s terms and conditions won’t have changed.

    I’m not moving to TSB. What does it mean for me?

    Nothing will change for those staying with Lloyds Bank, LBG says.

    Hang on, can I get a better deal elsewhere?

    You should use this change as an opportunity to check whether you’re getting the best deal with Lloyds or TSB, and to consider switching elsewhere.

    Next week, a new, free, seven-day switching guarantee will come into force. It’ll make sure all payments going out, including direct debits, and those coming in, such as your salary, will be moved from your old bank account to the new one within seven days.

    At present, it can take between 18 and 30 working days to switch bank accounts.

    If you’re always in credit, our best buy current accounts include First Direct* (minimum pay-in Ј1,000/month) and Halifax* (minimum pay-in Ј750/month), which give Ј125 and Ј100 respectively to new customers switching to them, and Santander’s 123* account (minimum pay in Ј500/month), which pays 3% interest for those with Ј3,000 to Ј20,000, plus cashback of up to 3% on bills paid by direct debit – although it does charge a Ј2/month fee.

    If you always go overdrawn, our best buys include the First Direct* 1st Account, which has a permanent Ј250 0% overdraft, Nationwide’s* FlexDirect account (minimum pay-in Ј1,000/month), which has a 0% arranged overdraft for the first 12 months and the Halifax* Reward account, which has a 0% overdraft for the first 6 months.

    See our Best Bank Accounts guide for full information on all the top deals.

    Will I be able to use both Lloyds Bank and TSB branches?

    For now customers will be able to use both banks to carry out the majority of transactions.

    This will last a couple of months, although it’s not yet been decided exactly when the two networks will finally go their separate ways, and customers will only be able to use their own bank for transactions. LBG says customers will be notified when this happens.

    Will TSB offer any new products?

    LBG says in future, TSB may offer new products.

    Government-backed LBG, which also includes Halifax and Bank of Scotland, has to offload the branches under European competition rules due to the group’s sheer size.

    It had been planning to sell them to the Co-operative Group, but this deal collapsed in April (see the Lloyds branch sale to Co-op collapses MSE News story).

    For more details on what the split means for Lloyds and TSB customers, see this TSB Q ?>


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    Discover Spas Near You with the Spafinder Wellness Gift Card #travel

    #spa travel

    Wellness Deals

    Wellness Lifestyle

    Beauty & Grooming 2015-11-03 09:55:51 Kate Phillips

    Skin Care: 4 Tips for Healthy Skin This Fall

    I don’t know about you, but it seems any time the seasons change, so does my skin—and not always for the better: When the cooler temps of autumn come around, cue my seriously dry and dehydrated complexion. So suffice it to say when Pat Dutcher, spa director of SiSpa, located at Palm Beach Marriott S.

    Read more Explore More Beauty & Grooming Nutrition 2015-11-26 09:41:15 Kate Phillips

    3 Thanksgiving Hangover Cures to Curb Turkey Tiredness

    Got a case of Turkey Day blues? Must be the tryptophan (or so the myth goes). To cure turkey overindulgence, sleepiness, and plain old heavy belly-ness, here are a few Thanksgiving hangover cures from culinary chef and holistic nutritionist Tricia Williams, founder of Food Matters NYC, diet coach, a.

    Read more Explore More Nutrition Travel & Play 2015-11-27 05:31:27 Kate Phillips

    Shop Sales: Black Friday and Cyber Monday Deals

    The height of the holiday shopping season has begun, and the sales this year are superb. So skip the lines and skip the stress: Several resort spas and beauty brands are featuring Black Friday and Cyber Monday deals, and for a  majority of these promotions, all you have to do is click. Save y.

    Read more Explore More Travel & Play Fitness 2015-11-17 14:02:38 Kate Phillips

    Take a Hike: Top Hiking Trails to Explore This Fall Winter

    You’ve heard the phrase, “take a hike”—and the fall and winter are excellent seasons for doing just that. Get amped to explore a few of the world’s top hiking trails, plus, the destinations that promote them. They’re perfect for providing invigorating exercise as the weather cools down. Ranch.

    Mindset 2015-11-21 09:12:38 Spafinder Wellness 365

    Your Guide to a Stress-Free Season: 5 Tips to Avoid Holiday Stress

    by Dr. Mark Pirtle, Stress-Illness Specialist at Miraval Arizona Resort Spa While the holidays signify a joyous time of family togetherness and giving, we often find ourselves becoming stressed with the pressures of it all – from crowded shopping malls to an onslaught of holiday parties and.

    Read more Explore More Mindset Relationships 2015-10-12 09:23:55 Kate Phillips

    Child’s Play: Spa and Wellness for Kids

    Who says the adults should have all the fun? Spas and wellness centers worldwide are incorporating healthier options specifically for children. We call it child’s play. The Virgin Active Health Clubs collection boasts nearly 100 clubs in the UK, and children of all ages are welcome with thei.

    Read more Explore More Relationships Caring 2015-11-07 07:31:16 Kate Phillips

    Good Karma: Island Spa Catalina Supports Sports Community

    This past summer marked the second-annual Community Open House and Appreciation Evening, hosted by Island Spa Catalina in support of its area Avalon High School Athletics. Approximately 200 local residents and visitors attended the evening event, where they enjoyed complimentary mini services such a.

    Read more Explore More Caring Healing 2015-11-30 09:45:43 Kate Phillips

    6 Simple Ways to Make Your Home More “Well”

    When Gisele Bündchen and Tom Brady put their $20-million, eco-friendly L.A. home on the market in early 2014, I immediately called my realtor and put a bid on it—nah, totally kidding of course, but a girl can dream, right? Yes, the nearly 14,000-square-foot house, once highlighted in Architectural D.


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    Top 2017 Credit Card Deals and Signup Bonus Promotions, delta gold


    Credit Card Deals and Promotions: August 2017

    Delta gold credit card

    Delta gold credit card

    Delta gold credit card Delta gold credit card

    Signing up for a card with a sign-up bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    Here is the complete GIANT list of credit card promotions and signup bonus offers on CreditDonkey.

    Check out the credit card bonuses below to find the one that’s right for your spending habits.

    Credit Card Deals for Miles

    Delta gold credit card

    How does everyone else seem to get enough miles and points to score free hotel stays and flights? The smartest deal seekers know that signing up for a new credit card promo is a smart way to make leeway on their mileage balance.

    Lean in. Credit card companies are now offering new deals and lucrative sign up bonus promotions for new customers.

    In one short list, we’re going to tell you the featured credit card bonus on CreditDonkey – but it’s only available for those with excellent credit.

    • Delta gold credit card

    Delta gold credit card Like to travel? If you spend over $1,334 per month on your credit card, this promotion is for you: Chase Sapphire Preferred. You’ll earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards®. There is an Introductory Annual Fee of $0 the first year, then $95.

    Besides the lucrative Chase credit card promotion, the Sapphire Preferred also gets our attention because you can earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. For folks who eat out or travel often, this credit card is worth signing up for.

    And there’s more. Frequent travelers know airline miles are the key to saving money, and the Chase Sapphire Preferred lets you transfer the rewards points to participating frequent travel programs — at full 1:1 value.

    This card was made for international traveling. There’s zero foreign transaction fee and it’s chip and signature enabled for wider acceptance. Plus, you get premium travel perks, such as trip cancellation and trip interruption insurance — and purchase protection benefits such as extended warranty.

    To learn more, read our Chase Sapphire Preferred Review. We’ll discuss the reasons why we like the card (and the reasons you may want to skip it).

  • Delta gold credit cardBig spender? If you spend over $1,000 per month on your credit card and want 2x miles on all purchases, consider the Barclaycard Arrival Plus. You’ll earn 50,000 bonus miles (worth a $500 travel statement credit) if you make $3,000 or more in purchases in the first 90 days from account opening. The card earns 2x miles on all purchases and you can redeem miles for a statement credit toward any airline purchase to any destination with no blackout dates. Additional benefits include: 5% miles back to use toward your next redemption, every time you redeem your miles; no foreign transaction fees; and complimentary access to your online FICO credit score. There is an $89 annual fee (waived for first year).

  • Delta gold credit cardAirline / Delta: If you spend over $334 per month on your credit card and like to fly Delta, consider the Gold Delta SkyMiles Credit Card from American Express, a CreditDonkey partner. You’ll earn 30,000 bonus miles after you spend $1,000 on the card within the first 3 months. Plus, if you make a Delta purchase with your new card within the first 3 months, you can earn a $50 statement credit.

    You can redeem the miles toward award travel. Domestic one way award tickets start at 10,000 miles (plus taxes and fees) for travel within and between the Continental U.S., Alaska and Canada.

    You’ll earn 2 miles per dollar spent on purchases made directly with Delta and 1 mile for every eligible dollar spent on other purchases. Additional benefits include: check your first bag free on Delta flights; priority boarding; and no foreign transaction fees.

    There is a $95 annual fee ($0 introductory annual fee for the first year). For some travelers, the $95 annual fee is worth it. For example, the ability to check your first bag free on Delta flights is a potential savings of up to $200 per round trip for a family of four. To learn more, read our Gold Delta SkyMiles review.

  • Delta gold credit cardHotels / Starwood: If you spend over $1,000 per month on your credit card, consider the Starwood Preferred Guest Credit Card from American Express, a CreditDonkey partner. You’ll earn 25,000 bonus Starpoints after you spend $3,000 on the card within the first three months.

    What can you do with Starpoints? You can redeem Starpoints at over 1,300 hotels and resorts in over 100 countries. This includes popular hotel chains such as Sheraton, Westin, W Hotels, St Regis, Le Meridien, element, and aloft. Additional benefits include: free in-room premium internet access; complimentary unlimited Boingo Wi-Fi (on up to 4 devices; enrollment required); and no foreign transaction fees.

    There is a $95 annual fee ($0 introductory annual fee for the first year). Is the Starwood credit card worth having? Read our in-depth review before you decide.

    Cashback Deals

    Delta gold credit card


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  • Card Center #credit #card #companie


    Pick a Card, Any Card

    Swipe and Save It s that Easy

    Get instant savings of 3 per gallon at the pump when you use your Murphy Check Card. It links to your checking account, works like a debit card, and requires no credit check.

    Three easy steps

    1. Request your card (we ll mail it to you for free)
    2. Enroll online
    3. Verify your account

    Murphy USA Platinum Edition Visa

    Enjoy savings beyond the pump with the Murphy USA Platinum Edition Visa Card. Receive 5 off per gallon when you fill up at any Murphy USA or Murphy Express location 1 and earn 1 point per $1 spent on qualifying purchases 1. It s bigger, better savings from Murphy USA.

    Limited time offer: 15 OFF PER GALLON at any Murphy USA or Murphy Express locations through Labor Day.

    1 See Rewards Terms and Conditions in the Summary of Credit Terms for details. Cash back accumulates as points and is redeemable in $25 (2,500 point) increments.

    Fleet Cards

    At Murphy USA, we are committed to helping businesses save money and time at the pump. We proudly offer Fleet Cards designed to help our business customers keep track of and reduce fuel expenses wherever possible. Feel free to explore our fleet fuel programs. Both deliver compelling savings, fraud protection, and specific spending measures.

    Private Label Card

    Feel secure and stay in control of your company s fuel spending. Our easy-to-read monthly reporting package lets you know who purchases what, when and where. You ll always save at least $.01 per gallon regardless of how much fuel you purchase but the more you spend, the more you save.

    • Fuel rebates up to $.04 per gallon
    • Driver ID required for security
    • Ability to set purchase controls
    • Accepted at more than 1,200 Murphy USA and Murphy Express locations in 23 states

    Learn more at:

    Universal Card

    Need to refuel outside our operating area? We ve got you covered. The Universal Card is valid at more than 90% of U.S. retail fuel locations, plus optional acceptance at thousands of service locations nationwide. Wherever you are, Murphy USA is the go-to place for fuel savings every time you fill up.

    • Fuel rebates up to $.03 per gallon
    • Driver ID required for security
    • Ability to set purchase controls
    • Accepted at Murphy USA/Murphy Express, over 90% of other U.S. retail fuel stations, and thousands of fleet service locations

    Learn more at:

    Fuel More Gift Cards

    Prepaid Gas Gift Card

    Everyone has to get to their go-to place help them get there with a Fuel More gift card from Murphy USA.

    Use it at the pump or the counter, just like a credit or debit card. Plus, you can use it for snacks, drinks, and more at Murphy USA.

    Fuel More gift cards are perfect for birthdays and holidays or just saying thank you. And because each Fuel More card is fully reloadable, it s the gift that keeps on giving.

    • Reloadable for use again and again
    • Available in $25, $50, $75, and $100 amounts
    • Accepted at any Murphy USA or Murphy Express location


    Check Your Balance

    Not sure how much you have left to spend? Check your remaining balance before you fill up.

    Specialty Gift Cards

    Did you know you can purchase gift cards for some of America s most popular stores and restaurants at Murphy USA? With partners including Applebee s, Chili s, Foot Locker, and more, we re sure to have the perfect gift card for everyone.

    Don t forget to pick up a gift card on your next trip to Murphy USA or Murphy Express.

    Cards Accepted at Our Locations

    At Murphy USA, we want to make purchasing high-quality fuels at the best possible price as simple as possible. For your convenience, we accept all major credit and debit cards, plus Murphy USA Visa and gift cards.

    • Note: We no longer accept the Murphy USA Gas Card ($.03 discount card). All other fuel discount programs are still in effect.


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    Compare Credit Cards, Bank Accounts, Savings & More, #compare #credit


    Product Offers
    Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

    Please note that the product links will take you direct to the Issuer or Insurer’s site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.

    2017 compare andsave .com is a trading name of Freedom Marketing Ltd.
    Freedom Marketing Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, firm reference number 493117. This can be checked at Registered in England & Wales under registration number 05349340. The company’s registered office is Freedom Marketing Limited, Colchester Centre, Hawkins Road, Colchester, Essex, United Kingdom, CO2 8JX.

    The offers that appear on this site are from companies from which compare andsave .com receives compensation.

    The Financial Ombudsman Service (FOS) is an agency for arbitrating unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at


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    Call the Philippines at Bargain Rates – OneSuite Cheap International Calls

    Cheap Calls to the Philippines

    OneSuite Long Distance Features

    PINless dialing: register up to 3 phone numbers in your OneSuite account to go PINless.

    RapidDial phonebook: assign a 2-digit code to your international contacts, so that’s all you have to dial to reach them.

    Favorite 10: turn any international number into a local US/Canada number, and save to your cell phone’s contact list. Available to US/Canada users.

    Free OneSuite smartphone app:

    iOS | Android

    Free computer softphone: make international calls from Windows or Mac while traveling worldwide with Internet.

    Why Choose OneSuite

    Multiple ways to make cheap international calls to the Philippines: OneSuite Hybrid Long Distance means you can make calls with or without internet from worldwide. Use OneSuite like a international phone card, dial around service, long distance service, or VoIP softphone to call the Philippines.

    Hassel-free dialing for multiple devices: whether you use a touchtone phone, cell phone, or a smartphone, OneSuite has a feature to enhance your dialing experience to one-touch, 4-digit dialing, or direct dialing to the Philippines.

    No contracts, no hidden fees: Pay-as-you-go! No taxes, surcharges, pay only for the minutes you use.

    Real-time call records: monitor online usage history for absolute transparent billing.

    Live 24/7 customer support: got a question? Get in touch via email or call 1-866-417-8483.

    How to enjoy your free internet fax service when you try OneSuite:
    *Sign up for a OneSuite account, log in to your account, click on “OS Fax,” your free subscription code will already be filled in so you can enjoy a FREE 1-month trial of OneSuite Fax Plus. The offer is limited to a one-time free trial, one fax number subscription per OneSuite account, or per OneSuite Business sub-account. The outbound fax usage will be deducted from your OneSuite account balance in accordance with the fax rates listed on our Rates page.


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    Tech Credit Union #tech #credit #union, #tech #cu, #credit #union, #banking,

    Tech Checking

    Tech Checking gives you the features you expect, plus online and mobile banking services to help you manage your account from anywhere, anytime.

    Secured Checking

    If problems with NSF (Non-Sufficient Funds) fees have caused you to be listed in ChexSystems, you know getting a new checking account can be extremely difficult. And without a Checking account, you re forced to use budget-draining payment services like money orders or retail currency centers. Tech CU Secured Checking is designed to provide basic checking services to those who want to make an honest effort to manage their finances and take control of their money.

    • Free box of Tech CU security checks.
    • Tech Check Card (Visa debit) is available.
    • Free Tech Debit Alerts .
    • Free 24-hour account access via Online Banking Mobile Banking .
    • View and print images of cleared checks in Online Banking.
    • No per-check fee.
    • Optional overdraft transfer from savings.
    • Access your account at CO-OP Shared Branch locations nationwide
    • Ability to upgrade to regular Tech Checking after 6-months of properly maintaining this account.
    • Assistance with establishing Direct Deposit or Payroll Deduction to your account.

    Secured Checking has the following requirements:

    • Those with a record of fraud at ChexSystems are not eligible.
    • Minimum daily balance requirement of $200 ($100 is held in Money Market Savings).
    • $5.00 monthly account service fee; $10.00 per month whenever the required minimum daily balance is not maintained.
    • Account e-Statement is required.
    • 7-business day hold on deposited checks.
    • $34.00 per NSF item returned.
    • $30.00 per stop payment.
    • $6.00 per overdraft transfer.
    • $5.00 copy of cleared checks.
    • Online Bill Pay service is not available.
    • Account will be closed for uncollected account fees.
    • Other account fees or restrictions may apply.

    ChexSystems is a network made up of member banks and credit unions that regularly contribute information on mishandled checking and savings accounts to a central location. This information is shared among member institutions to help them assess the risk of opening new accounts. Each report submitted to ChexSystems remains on file for five years unless the source of information requests its removal or ChexSystems becomes obligated to remove it under applicable law.

    Open A Checking Account Today

    Your new checking account can be opened at any Tech CU branch.

    • To open a Checking account, a minimum of $25.00 must be on deposit in your Tech CU Money Market Savings account.
    • A $25 initial deposit is required to open (Tech Checking).
    • Present a valid driver s license with your correct mailing address.
    • Present your most recent pay-stub (if employed).
    • Your first box of checks is free and is mailed to your home within 7 to 10 business days from the time of account opening.
    • Tech Check Card and PIN is mailed (separately) to your home 2 to 3 weeks from the time of account opening. You also have the option of having these items mailed directly to the credit union for pick-up.

    Contact Us

    Branch ATM Finder

    Education Center

    Self Service

    Rates Fees


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    Refund Request Form – Template & Sample Form #hotel #credit #card


    Refund Request Form

    1,800+ Documents to Cover
    Any Situation

    With the most complete library of document templates available today, Business-in-a-Box will cover all your writing needs from the day you launch your business until maturity.

    Professional Documents

    Written by lawyers and business consultants, all document drafts provide high-quality, legally sound content that conveys a polished corporate image. You too can look like a Fortune 500.

    Fully Customizable with
    Microsoft Office

    Save documents in Word format (.doc) and enjoy total editing capabilities by using MS Office (2010, 2007, 2003, XP and 2000), iWork, or the built-in Text Editor. Also easy to export to PDF.

    Fast & easy:
    Simply Fill in the Blanks & Print!

    Customizing a simple document is literally a matter of filling in the blanks. Fields that require customization are in brackets and contain helpful guidance making the software easy to use

    Regularly Updated
    to Support Your Growth

    You can rely on a product that is evolving. We are constantly adding new documents and features to address user requests and the evolving business landscape.

    Documents are Available
    in 7 Languages

    All documents are available in English, French, Spanish, Chinese, German, Italian and Portuguese. Doing business with foreign partners and clients has never been easier!

    Improve Your Productivity Today!

    Run & grow your business like a pro!

    About Biztree

    Since 2001, Biztree has helped over 12,000,000 entrepreneurs, business owners, executives and managers to start, run and grow their business more efficiently. Our Business-in-a-Box software gives you unlimited lifetime access to our entire collection of 1,800 business and legal document templates.

    Whether you need to write a business plan, legal contracts, proposals, business letters, board resolutions, policies, spreadsheets or any other business document, simply fill in the blanks and get the job done in minutes!


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    6 Risky Ways To Pay Off Credit Card Debt #settle #credit


    6 risky ways to pay off credit card debt

    The best way to pay off credit card debt

    There are many strategies for paying off credit card debt. You could trim your spending and direct the extra cash to cut the debt. Or, you could make more than the minimum payment each month and be debt-free after several months of sacrifice.

    But as with losing weight, there are shortcuts you don’t want to take to pay off credit card debt. Bankrate outlines six of them.

    1. Paying just the minimum.
    2. Taking money from retirement accounts.
    3. Robbing emergency savings.
    4. Tapping home equity.
    5. Skipping the mortgage payment.
    6. Taking out another loan.

    Jamie Grill/Getty Images

    No. 1: Paying just the minimum

    If you want to get out of credit card debt, paying the minimum each month is the slowest way to get there. It’s also incredibly expensive.

    For example, say you have $5,000 in debt on one credit card. Your interest rate is 15 percent, and your minimum payment is calculated by adding interest to 1 percent of the balance. If you pay the $112.50 minimum required each month, it will take 266 months, more than 22 years, to pay it off. And you’ll end up paying $5,729.21 in interest on top of the original balance.

    You could get a personal loan to consolidate all the debt into a fixed monthly payment at rates that are usually lower than average credit card rates.

    Portra Images/Getty Images

    No. 2: Taking money from retirement accounts

    Using retirement savings to pay off credit card debt is expensive.

    Besides raiding your future financial security, you could owe taxes to the IRS if you withdraw tax-deferred money from certain retirement accounts. Additionally, you may incur a 10 percent penalty if you withdraw funds too early.

    Instead, consider temporarily stopping contributions to your retirement account and use that additional money to pay off your credit card, says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax.

    The interest you’re paying each month as balances roll from one month to the next is outpacing the returns you’re earning from your monthly contributions, he explains. Just remember to restart your contributions as soon as you clear your credit card debt.

    No. 3: Robbing emergency savings

    Remember that rainy-day fund? Fight the temptation to put that cash to use.

    “Losing your job is an emergency. Paying off your credit card is not,” Ulzheimer says.

    Draining your emergency fund to pay off credit card debt exposes you if a real emergency strikes. You could be vulnerable for a year or longer as you replenish the savings. What constitutes a real emergency? Things such as a medical issue, natural disaster or job loss.

    Ulzheimer says if you feel compelled to use those funds, don’t wipe them out. Use a small portion along with other available cash as a stopgap for your credit card debt.

    No. 4: Tapping home equity

    There’s some debate as to whether pulling equity out of your house to pay off credit card debt is a good idea. Ulzheimer points out that many homeowners have traditionally tapped home equity to help pay for other debt such as credit cards. However, some homeowners may not even have that option because home prices have yet to rebound in their area.

    “Put a check in the ‘careful’ column,” says Ulzheimer. “If you have equity, you don’t want to push yourself too close to 100% loan-to-value. You’re endangering your home.”

    RATE SEARCH: A personal loan can be a viable alternative to tapping home equity to pay off debt. Check loan rates and estimate your monthly payments on Bankrate.

    No. 5: Skipping the mortgage payment

    Paying the credit card bill instead of the mortgage payment is also a huge risk and leaves you vulnerable to foreclosure.

    Sadly, this strategy became more common after an unprecedented drop in home prices put more homeowners on the brink of losing their homes, says Barrett Burns, president and CEO of VantageScore Solutions, the company behind the credit-scoring model VantageScore.

    It is all too common for families to depend on credit cards as lifelines to pay for the basics and get overextended. It’s OK to use credit cards in this way, as long as you can make the payments and keep those credit lines open, Burns says. It becomes a problem when keeping the lines open means missing a mortgage payment.

    Credit card issuers are quick to shut down delinquent credit lines because they are unsecured debt. The road to foreclosure, by contrast, is much longer, and many homeowners recognize they could have as long as a year before they are evicted. Still, a house is most Americans’ largest asset, and jeopardizing it to save a credit card could come back to haunt you.

    PhotoAlto/Eric Audras/PhotoAlto Agency RF Collections/Getty Images

    No. 6: Taking out another loan

    Avoid payday loans at all costs, Ulzheimer says. Title loans, or loans against a car, are usually too costly to pay for overspending.

    However, Ulzheimer recommends considering a signature loan, or unsecured personal loan, from a bank or credit union.

    You’ll want to make sure you can qualify for this type of loan at a reasonable rate and an affordable minimum payment. Sometimes the rate is better than a credit card. And be ready to give proof that you have the income to pay back the loan.

    The drawback? These loans typically come in small amounts, from $1,000 to $35,000. So, if your credit card debt is huge, a signature loan may not cover it all.

    How we make money is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.

    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.


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    Exclusive Resorts Introduces the Gateway Travel Card #chinese #travel #agency

    #gateway travel

    Exclusive Resorts Introduces the Gateway Travel Card

    June 20, 2014

    Exclusive Resorts. the Denver-based private destination club, has unveiled the Gateway travel card, allowing its members to pre-purchase 21 or more days of travel while avoiding potential price hikes and surprise fees. The vacation days can be used over three years at any of Exclusive Resorts’ properties: over 300 privately owned two- to five-bedroom residences in 75 locations around the world.

    Holders of the Gateway card have easy access to travel planning services and on-site concierge and daily housekeeping services. Pricing is $1,550 per residence per night (for a minimum of $32,550), without membership costs or initiation fees. Cardholders can opt for premium upgrade packages to obtain custom experiences like VIP access to professional golf’s Masters Tournament or the Milan Fashion Week.

    Exclusive Resorts has also introduced the Gateway Escape card, which is good for three- to seven-day trips, at a fixed rate of $1,995 per night, as well as the Choice Membership option, offering rates starting from $1,430 per night and terms ranging from three to 10 years. ( )


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    MLB BankAmericard Cash Rewards MasterCard – Apply Online #mlb #bankamericard #cash


    MLB BankAmericard Cash Rewards Mastercard

    Credit Needed

    • New Offer: $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • All 30 team cards are available, customized with your favorite team’s colors and logo
    • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
    • No annual fee
    • No changing categories and no expiration on rewards
    • Get a 10% customer bonus every time you redeem cash back into a Bank of America checking or savings account
    • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% – 23.99% variable APR. 3% fee (min $10) applies to balance transfers

    at Bank of America s
    secure site

    • Purchases Intro APR 0% Introductory APR on purchases for 12 billing cycles Balance Transfers Intro APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days Regular APR 13.99% – 23.99% Variable APR on purchases and balance transfers Annual Fee $0 Credit Needed Excellent/Good

    See the online MLB BankAmericard Cash Rewards Mastercard application for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the Apply Now button you can review the credit card terms and conditions on the credit card issuer’s web site.

    * For additional rates, fees and costs see issuer’s website for detailed pricing and terms.


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    CARDMATCH is a free, secure service that will not affect your credit score. Simply provide your basic information, and view offers that match your credit profile within seconds.


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    Career Facts – Accounting Program – Business and Economics Department –


    Accounting Program Career Facts

    What They Do:

    Accountants and auditors prepare, analyze, and verify financial reports and taxes and monitor information systems that furnish this information to managers in business, industry, and government.

    The major fields of accounting are public, management, and government accounting. Public accountants have their own businesses or work for public accounting firms. They perform a broad range of accounting, auditing, tax, and consulting activities for their clients, who may be corporations, governments, nonprofit organizations, or individuals. Management accountants (also called industrial, corporate, or private accountants) record and analyze the financial information of the companies for which they work. Other responsibilities include budgeting, performance evaluation, cost management, and asset management Government accountants and auditors maintain and examine the records of government agencies and audit private businesses and individuals whose activities are subject to government regulations or taxation.

    Within each field, accountants often concentrate on one aspect of accounting. For example, many public accountants concentrate on tax matters, such as preparing individual income tax returns and advising companies of the tax advantages and disadvantages of certain business decisions.

    Increasing numbers of accounting graduates are working in private corporations. Management accountants analyze and interpret the financial information corporate executives need to make sound business decisions. They also prepare financial reports for non-management groups, including stockholders, creditors, regulatory agencies, and tax authorities. Within accounting departments, they may work in financial analysis, planning and budgeting, cost accounting, and other areas.

    Who Would Enjoy It:

    People with accounting jobs understand information systems and are skilled at working with computers to gather, report, and interpret information. Skills in human relations and interviewing are essential because accountants need to understand and solve financial problems for other people.

    Accounting covers a wide variety of jobs including Financial Reporting, Income Tax Research and Preparation, Information Systems Design, Auditing, Budget Preparation, and Cost Accounting. Levels of accounting jobs range from clerical bookkeeping to Vice-President of Finance/Chief Financial Officers.

    What They Earn:

    The average starting salary for someone with a bachelor s degree is about $35,000 per year, yet salaries ranged from $30,000 to $40,000. Those with 1 to 3 years experience will increase to about $50,000 a year, with salaries ranging from $30,000 and $60,000 in the higher management positions. After 10 to 15 years of experience in this field, one may earn up to $110,000 per year. Starting salaries with an associate degree vary with the individual s education and work experience. Bookkeeping jobs for students working on a degree vary from $8.00 per hour on up depending upon education and experience.

    How Many Jobs Available:

    Employment of accountants and auditors is expected to grow about as fast as the average for all occupations through the year 2014. Each year, several hundred thousand jobs for bookkeeping, accounting, and auditing clerks will become available as these clerks transfer to other occupations or leave the labor force. The large size of the occupation ensures plentiful job openings, including many opportunities for temporary and part-time work.

    How Much Schooling, Training, or Skill Development:

    Most professional accountant and internal auditor positions require at least a bachelor s degree in accounting or a related field. However, many employers are beginning to prefer candidates who have earned a master s degree. A variety of bookkeeping and paraprofessional accounting jobs are available for people with less than an associate degree. There appears to be a growing trend for these jobs to request a minimum of an associate degree.

    Accountants traditionally have been detail-oriented and that is still important, but modern accountants require a much broader set of abilities. The modern accountant needs highly developed analytical skills to deal with the ever-changing business environment. Good oral and written communication skills are a necessity. Interpersonal skills are highly desirable. The ability to effectively work with computers is a necessity. Computerization lessened the focus on repetitive, detail-oriented work in accounting in favor of analysis and communication.

    Based on recommendations made by the American Institute of Certified Public Accountants, most states currently require CPA candidates to complete 150 semester hours of college coursework. Students already holding a bachelor s degree in another field who earn an associate degree in accounting may meet the educational qualifications for the CPA examination and entry into professional levels of accounting. In Michigan, the 150-hour law can be met with LCC classes if the student has a 4-year degree already.


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    Credit Cards for Balance Transfer Online #credit #cards, #credit #card, #balance


    Top Credit Cards with Balance Transfer

    Promotional Financing Spurs Buying Decisions, Says Survey
    September 10, 2015

    When making major purchases—spending $500 or more—people are swayed by promotional financing offers, such as credit cards that carry a 0% APR for the first year or longer. A consumer study from Synchrony Financial showed that 75% of cardholders look for promotio[. ]

    QUESTIONS about cards

    Q Do store credit cards help build credit.

    Store credit cards do help people with poor credit establish or rebuild their credit history if used carefully and wisely.[. ]

    Having a plastic with a high APR is not profitable: most part of your payments go for covering your interest. The excellent method of reducing finance charge is to apply for a balance transfer credit card. It gives you the opportunity to put an instant freeze on your interest payments and attack your outstanding credit card balance.

    If you have several debts, you can consolidate them on one less-costly balance transfer credit card. You will have only one payment rather than several to worry about. Be attentive to the limit of your new plastic – it should be high enough to accommodate your debts fully.

    Sometimes credit companies charge a balance transfer fee. It can be a flat rate, for example $30, or a percentage of the amount you will transfer – from 1% to 5%. The first variant can be more beneficial if your balance is large.

    Balance transfer credit cards can differ in their features. Don’t hurry: compare all perks and benefits. There are various offers with moderate fees, lucrative rewards program and reasonable APR on purchases. Check all offers at and find the most suitable plastic for yourself!

    Balance transfer credit cards come with low or 0% interest rates for a fixed period of time or for the life of your balance. The decision which credit card deal to choose depends on your financial needs.

    Credit cards with low or 0% introductory rates are mainly targeted at people who want to pay off their debt in full within the introductory period. It can last from 6 to 12 months, but you can find special offers which come with an introductory period of up to 15 months.

    Having zero introductory APR is a good start of your relationships with a new credit company. If you make on time payments and do not max out your credit limit, you will prove to be a valuable and reliable customer and improve your credit score. It is an excellent reason for negotiating a low interest rate when your introductory period is over.

    Balance transfer credit cards with a fixed APR can be a good choice for people who have a heavy debt that requires a long time to be paid in full. Despite of the fact that these plastics do not offer tempting zero interest rates, you can be sure that your APR remains low for the life of your balance. It may turn to be more beneficial in the long run.

    No matter which APR is more suitable for you – fixed or introductory, you can always find the best balance transfer credit card offers on We have collected a great selection of the most attractive offers from major US credit companies, for example MasterCard or Discover. Choose the card that matches you best and apply online!

    made for free. Estimate your credit report to find credit cards with low interest and balance transfers available for your type of credit.

    You can compare business credit cards to find 0% APR balance transfer credit cards and 0% APR credit cards to get an almost interest-free loan for your business. Apply for student credit cards you like or choose one of our credit cards for consumers. Apply online for the credit card you like most.

    Many consumer credit cards with rewards support balance transfers. They include cash back rewards credit cards, gasoline credit cards, hotel credit cards and credit cards for airlines. Feel free to compare these credit card offers and apply online for the credit cards that suits you best.

    At you can compare credit cards, choose from the best offers that include instant online approval credit cards, and Chase credit cards with balance transfers, and apply online. Here you can make the best deals for credit cards, so do it now!

    Best Credit Cards provides a wide range of the best credit cards for consumers and businesses with different types of credit. As new offers tend to appear quite often, it takes time to find the plastics that suit you most. Here you can find all credit cards that proved to have profitable and favorable features. Feel free to compare them and apply online.

    The best credit cards at our site include instant approval credit cards. They let you avoid long tiresome waiting – you will find out whether you have qualified or not for a plastic within several minutes. Also check our low APR credit cards. They are a great way to save money on all your purchases, no matter what you buy: everyday necessities or more expensive items. If you want avoid charges for the yearly maintenance of your account, choose credit cards with no annual fee. gives you a good opportunity to find the best credit cards online. estimate their features according to your requirements and apply online for a credit card that suits your lifestyle and type of spending. Our credit card offers are popular with many customers, so don’t waste time: select the best credit card and apply online! strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the “Apply online” button to see the online credit card application and to review current credit card terms and conditions. Note that can be compensated by credit card issuers when the visitors apply for a credit card through the website.

    * The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the website are property of their respective owners.

    Information in these articles is brought to you by Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

    Disclosure: Not an access card.


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    Discover Credit Cards #discover #credit #cards, #credit #card, #online, #0% #balance


    Discover Credit Cards

    • We’ll match all the Miles you’ve earned at the end of your first year. Bonus Miles – For example, if you earn 30,000 Miles, you get 60,000 Miles.
    • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
    • No Blackout Dates – fly any airline, stay at any hotel.
    • Redeem your rewards in any amount for cash or a travel credit.
    • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
    • Get your FICO Credit Score for free on monthly statements, on mobile and online.
    • No Annual Fee.
    • See additional Discover it Miles details

    at Discover s
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    • You could turn $200 into $400 with Cashback Match . Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations,, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
    • Plus, 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO Credit Score for free on monthly statements, on mobile and online.
    • No annual fee.
    • See additional Discover it details
    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter no sign-ups needed. Plus, 1% cash back on all your other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO Credit Score for free on monthly statements, on mobile and online.
    • No annual fee.
    • See additional Discover it chrome details
    • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
    • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
    • Reports to the three major credit bureaus. Plus, get your FICO Credit Score for free on monthly statements, on mobile and online.
    • Earn 2% cash back at restaurants gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Tools to assist you; email alerts, text reminders and 24/7 customer service.
    • See additional Discover it Secured Card details

    at Discover s
    secure site

    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service your FICO Credit Score for free on monthly statements, on mobile and online.
    • Freeze It on/off switch for your account that prevents new purchases, cash advances balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% – 22.74%.
    • See additional Discover it for Students details

    at Discover s
    secure site

    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter no sign-ups needed. 1% cash back on all your other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service your FICO Credit Score for free on monthly statements, on mobile and online.
    • Freeze It on/off switch for your account that prevents new purchases, cash advances balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% – 22.74%.
    • See additional Discover it chrome for Students details

    at Discover s
    secure site

    See the online Discover credit card applications for details about terms and conditions of reward programs and offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the ” Apply Now ” button you can review the credit card terms and conditions on the credit card issuer’s web site.

    * For additional rates, fees and costs see issuer’s website for detailed pricing and terms.


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    Credit Card Debt vs #credit #card # #interest #installment


    Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation.

    The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation.

    Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

    While we try to feature as many credit cards offers on our site as we can maintain (1,200+ and counting!), we recognize that our site does not feature every card company or card available on the market.

    Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation.

    For a list of all of our advertising partners, click here

    Credit Card Debt vs. Installment Loans: Which to Pay Down First?

    With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.

    If you want to pay down your debt, you are most likely researching ways to do just that. A common question that comes to mind is which should be paid down first, your credit card debt or installment loans, which include mortgages, car loans and student loans.

    You may have heard that credit card debt — even if that debt is on a balance transfer credit card — should be a priority over paying down an installment loans.

    An installment loan is paid in equal monthly amounts. Credit card debt carries a monthly minimum payment that can fluctuate according to the outstanding balance on the account. But many consumers pay off their credit card balance each month, or at least make more than the minimum payment.

    Focus on credit card debt first

    There are several good reasons for prioritizing your credit card debt over an installment loan:

    BUILD your credit score

    The first relates to your credit score. When you pay down your credit card debt, you are reducing the amount you owe and increasing the amount of credit available to you. That means lower credit utilization, which can translate to a higher FICO score or VantageScore.

    Paying your installment loan on time reflects well on your credit report — but it doesn t have as large an impact as lowering credit utilization does.

    Also, your credit score takes into consideration whether you have different types of credit open. Having some installment loans (in addition to revolving credit such as credit cards) and steadily paying them throughout the life of the loan will help your credit score.

    focus on interest rates

    In addition, if you look at your credit card statement and compare it against your mortgage or auto loan bill, one number will jump out at you — the interest rate. In general, your credit card will have a much higher interest rate than your installment loan — in many cases at least 10% higher (but check to be sure). This is another good reason to pay down your credit card debt first.

    remember tax benefits

    With a mortgage installment loan you also may be eligible for a tax benefit in the form of deductible interest. You can’t earn tax benefits from your credit card debt.

    Watch the calendar

    Finally, if you recently transferred your debt to a 0% APR balance transfer credit card or are thinking about taking advantage of a balance transfer credit card offer, you’ll want to pay off the balance before the 0% offer expires.

    This article updated May 17, 2016.

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    Oshkosh Truck Credit Union #fast #credit #card #approvals


    Dreaming of Remodeling Your Home?

    We offer both first mortgage refinancing and home equity loans with amortizations up to 30 years. Our closing costs are among the lowest in the industry. Just what you would expect from your credit union: the best service with the lowest rates and fees possible. All mortgage programs are not the same, and it’s important to understand the differences when you are shopping around. Whether you’re looking to refinance your first mortgage home loan, or looking to take out a second mortgage, Oshkosh Truck Credit Union has the terms, features and options designed to make getting a mortgage easier. Let us help you understand all the choices you have when it comes to a home mortgage. Call and make an appointment today at 920-233-2611 and ask for Linda.

    Great Rates and Fast Approvals

    Oshkosh Truck CU offers vehicle loan rates as low as 2.39% APR*, fast and easy application process, fast approval and no prepayment penalties. You can apply anytime online, on the phone or in person. Get pre-approved before you go to the dealer to increase your bargaining power. Ask about our GAP insurance program at a cost much lower than dealers. *Based on credit approval, restrictions apply. Contact our Loan Department for complete details.

    Oshkosh Truck CU Visa Platinum Card

    When you sign up for an OTCU Visa Platinum Card you’ll be rewarded with no annual fee and a great low interest rate that won’t go up when the prime rate changes. Looking for a GREAT RATE on a BALANCE TRANSFER? We’ve got that too. Save money by transferring your balance from a high interest credit card to our low interest rate card. We offer No Fee balance transfers every day of the year. We offer multiple card options to suit your needs.


    We have our mortgages here, and also our car loan and savings and checking. We like to keep it in one place – that way if we have any questions we can go to one source to take care of everything.

    Lisa D. OTCU Member

    I took out my first car loan here and it was after I had searched around several places for the best rates.

    Bob P. OTCU Member

    Thank you guys very much for working with me on my truck loan. That was the first nice thing I ever had, and I loved it and love you guys for making that happen.

    Ken K. OTCU Member

    I saved an extra 0.75% off my loan rate because I have direct deposit and use OTCU’s checking account. That was a nice surprise.

    Sara S. OTCU Member

    Whether you’re at North Plant, South Plant, or West Paint Shop – it’s all centrally located.

    Wanda B. OTCU Member


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    Yankees credit card #yankees #credit #card


    New York Yankees Credit Card Payment Login Address Customer Service

    New York Yankees Credit Card Payment and Login

    Need to make your New York Yankees credit card payment or looking to login to view your statement or manage your account online? We have you covered. Below you’ll find details on your payment options – select the payment option that suits you. To make a payment online or manage your account, follow the link provided below on this page to the New York Yankees credit card login. You will also find useful pay my bill information such as the credit card customer service number, payment mailing address, and billing phone number below.

    New York Yankees

    New York Yankees Credit Card Payment

    The New York Yankees Credit Card is issued by Bank of America, as part of the MLB BankAmericard program. You can manage your account and make bill payments in a number of different ways.

    Pay Online: All cardholders should register for Bank of America’s online banking service. With this service you have an easy and effective way of managing your account, and many different features are provided to help you keep control of your spending and personal information. With this service you can make fast transfers from a nominated checking or savings account, and manage and redeem your rewards points. This service is available from mobile devices. To make your New York Yankeescredit card payment online click the Pay Online button below tologin, register, view your statement or manage your account online .

    Pay by Phone: The New York Yankees credit card payment phone number is 1-800-732-9194.

    Pay by Mail: The New York Yankees credit card payment mailing address is: Bank of America, PO Box 15019, Wilmington, DE 19886-5019. You should post at least 7 days before the payment due date. There is also an express overnight payment service: Payment Services, 900 Samoset Drive, DE5-023-03-02, Newark, DE 19713-6000. Please include your New York Yankees account number on your check. Your account number is located on your statement. To ensure your New York Yankees payment is received on time it is recommended that you mail your payment at least 5 business days prior to the due date shown on your monthly billing statement.

    Pay in Store: No. At this time you cannot pay your New York Yankees credit card in stores.

    New York Yankees Credit Card Customer Service: The New York Yankees credit card customer service number is 1-800-732-9194.

    The New York Yankees Credit Card payment address is: Bank of America, PO Box 15019, Wilmington, DE 19850-5019. If you use the mail payment service, make sure you leave enough time for your payment to clear. A telephone payment service is also available at 1-800-732-9194 (you can use this service to check your balance and other important account information). Rewards points can be managed at 1-800-434-8313.

    New York Yankees Credit Card

    With the Yankees BankAmericard Cash Rewards MasterCard Credit, you can show your support for the New York Yankees and benefit from an unlimited cash rewards program. From the moment you start using this card you will earn cash back, and with unlimited 1% cash back on all purchases, you always get rewarded no matter how much you spend.

    In addition to unlimited 1% cash back on all purchases, you also have the opportunity to earn high rates of cash back in selected purchase categories – up to $1,500 each quarter. You get 2% cash back on grocery purchases and 3% cash back on gas. Cash back can be redeemed as a check or as a statement credit, and you can start redeeming once you earn $25 worth of cash back. It helps to have a Bank of America checking or savings account, as if you credit such an account with cash back you get a 10% customer bonus.

    If you spend $500 within 90 days of opening your account, you receive a $100 cash reward. This gives you a great opportunity to splash out early on. And with 0% introductory APR on purchases for the first 12 months, there is no need to worry about interest.

    Depending on your creditworthiness, you will receive an interest rate between 12.99% and 22.99%. Rates are high for cash advances, and you should be careful to stay on good terms at all times. A rather unforgiving penalty of 29.99% may apply if you make a late payment. This card comes with no annual fee, and a maximum late payment fee of $35.

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    The Best Rewards Credit Card of 2016 #cheapest #hotels

    #best travel credit card

    Capital One® VentureOne® Rewards Credit Card

    The Capital One VentureOne Rewards Credit Card is an excellent option to earn miles on purchases. The rewards program this credit card.

    Capital One®QuicksilverOne℠ Cash Rewards Credit Card

    The Capital One QuicksilverOne Cash Rewards Credit Card will fill your wallet back up just by using it on every day purchases. You will.

    Chase Freedom® Card

    Oftentimes a credit card can make you feel tied down, but the Chase Freedom Card sticks to its name. This rewards credit card can earn you cash.

    Blue Sky from American Express®

    The Blue Sky from American Express Card is a rewards credit card that works off a points system. With each eligible purchase you make, you will.

    Citi ThankYou® Preferred Rewards Card

    The Citi ThankYou Preferred Card is a credit card that is packed with reward options that give you points on everyday purchases. With this.

    Capital One® Venture Rewards Credit Card

    If traveling is your thing, the Capital One Venture Rewards Credit Card is a great option for earning free travel and even additional rewards.

    Discover it

    The Discover it card is an everyday rewards credit card that helps you earn some cash back simply by making everyday purchases. For every.

    Chase Sapphire® Card

    The Chase Sapphire Card is a points rewards credit card that you can use on everyday purchases to earn things like travel, cash, gift cards.

    Chase Sapphire Preferred® Card

    The Chase Sapphire Preferred Card lets you earn rewards with every purchase you make, and double rewards on certain purchases. This rewards.

    Gold Delta SkyMiles American Express

    The Gold Delta SkyMiles Credit Card from American Express is a rewards credit card that you can use to earn miles from qualified purchases.

    BankAmericard Travel Rewards®

    The BankAmericard Travel Rewards card is a credit card with rewards that work off a points system. This rewards credit card will earn you.

    BankAmericard Cash Rewards™ Credit Card

    The BankAmericard Cash Rewards Credit Card is simply a rewards card that can earn you cash back on everyday purchases you would be making.

    TrueEarnings® Card from Costco and American Express

    The TrueEarnings Card from Costco and American Express is a rewards credit card that can help you earn cash back on the purchases you make.


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    SKYPASS Visa – Secured Card #travel #websites #best

    #travel credit cards

    Earn SKYPASS miles while building your credit 1 history in the United States.

    Safely build or re-establish your credit and receive 5,000 Bonus Miles after your first purchase.

    Every time you use your card, you’ll earn miles.

    SKYPASS Visa Secured Credit Card Benefits

    Additional Benefits

    How Secured Credit Cards Work

    To fund your SKYPASS Visa Secured Card, you can choose to:

    • Fund online using your checking or savings account.
    • Print an application and mail a cashier s check or money order.

    If your application is approved, we’ll send you a credit card with a credit line the same as your deposit.

    • The deposit is used to open a U.S. Bank savings account to ensure your card can be paid. The savings account is FDIC-insured, earns interest and won’t be touched as long as your account remains open and in good standing.
    • Purchases with the SKYPASS Visa Secured Card are billed to you each month as with any credit card.
    • Payments are not automatically deducted from your savings account. You’re responsible for making at least your minimum payment by the due date.

    When you’ve managed all of your credit obligations responsibly and consistently for 12 months, you’ll be well on your way to a stronger credit standing, and we may be able to move you to an unsecured credit card product.


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    CERTIFICATION CARDS – PADI ECARDS #naui #replacement #card



    Replace or Update Your PADI® Scuba Certification Card

    Need a new PADI certification card? Whether you want to update your card or replace the one you lost in the sand, be ready for your next adventure with the PADI certification card that suits you best. You can order a replacement card online or through your local PADI Dive Center or Resort. Choose a standard certification card, limited edition or Project AWARE® card, or go digital with a PADI eCardTM.

    • Limited Edition PADI Certification Card
      The Blue Water Series by David Valencia limited-edition certification cards showcase three incredible interactions that only we as divers will ever get to experience. Choose your favorite and be ready for your next dive adventure. Available while supplies last.

    • Project AWARE Certification Cards
      Show the world that you’re passionate about protecting underwater environments. Order a Project AWARE certification card and donate at least $10 US (you can donate more) to Project AWARE. For more information about projects that are funded by your donations, visit .
    • PADI eCardsTM
      A PADI eCard is an electronic version of the traditional plastic certification card that is stored on your mobile device. It displays information that instructors, dive centers and resorts around the world need to verify certification. The eCard is hosted, managed and displayed through the free PADI App .

    Need your certification card quickly?
    PADI eCardsTM provide the quickest delivery of new certification cards as they are available through the PADI App within minutes after purchase. However, if you prefer a traditional card, priority processing and overnight mail service is available. Order your card online and contact the PADI Customer Service Department before 9:30am (PST) the next business day by calling 800 729 7234 (US and Canada) or +1 949 858 7234, ext. 2430. Please note that overnight delivery is not available on weekends or holidays.

    Need to upgrade your PADI Junior Diver certification?
    At 15 years old, you can upgrade your certification card so that you no longer have age-related restrictions while scuba diving. Order your replacement card online and the system will automatically produce an upgraded card based on your age. For information about PADI Junior Diver certifications or upgrading certification cards contact your local PADI Dive Center or Resort .

    Certification Card Processing
    30151 Tomas Street
    Rancho Santa Margarita, CA 92688

    Want to update your contact information?
    Become a ScubaEarth ® member – it’s free. Any certifications connected with your name, email and date of birth will be linked to your profile. You can update your email or mailing address information by clicking the Edit Profile link that appears under your ScubaEarth profile picture. Scroll down and click the Update Address button. Type in the updated info and click Submit to save the information.

    Ask about a card that has not yet arrived

    Typically, your certification card should arrive within two weeks after your PADI Instructor, Dive Center or Resort requested your card. If you’ve been waiting for more than a month, contact the PADI Customer Service Department at 800 729 7234 (US and Canada), +1 949 858 7234, ext. 2430 or your local dive shop or resort .

    For additional questions, please see our list ofFrequently Asked Questions.


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    The Best Credit Cards of 2017 #best #credit #card #canada


    The Best Credit Cards of 2017

    Transferring a balance from a high rate card to a low rate card can save hundreds (or thousands) of dollars in interest payments. And you can t beat a 0% interest rate. That s why our top pick for best balance transfer card goes to the MBNA Platinum Plus MasterCard. This card works well if you are serious about paying down debt. However, if you are simply looking to make minimum payments on your transferred balance there may be better options. Because the go-to interest rate is not low, you will want to pay down as much as possible within the intro period for the best results.

    Best Travel Rewards Card

    Scotiabank®* Gold American Express® Card

    Compare this card

    Main Feature

    Earn 30,000 Scotia Rewards bonus points, worth $300 in travel, with $750 in net purchases in first three months. Plus, first year annual fee waiver. For accounts opened July 31, 2017.

    Annual Fee

    First year free then $99

    Additional Cardholders: $29

    Interest Rates

    Balance Transfer APR: 22.99%

    Cash Advance APR: 22.99%

    This card has it all: bonus points for signing up, increased rewards in select categories, and extraordinary travel benefits. We think this card works best for the frequent traveler or business professional making the most of an expense budget. The complimentary concierge services are a nice benefit at this price point ($99 annual fee). You also get access to Priority Pass Lounges worldwide. While the American Express brand might not have the same merchant acceptance as other issuers, this shouldn t be a problem for most people. You will need to have good to excellent credit to be approved for this card.

    Best Premium Rewards Card

    Scotia Momentum® VISA* Infinite Card

    Compare this card

    Main Feature

    Annual fee waiver for the first year. For accounts opened by July 31, 2017.

    Annual Fee

    First year free, then $99

    Additional Cardholders: $30

    Interest Rates

    Balance Transfer APR: 22.99%

    Cash Advance APR: 22.99%

    Visa Infinite cardholders expect and receive VIP treatment. With the Scotia Momentum card you ll get complimentary 24/7 concierge for any request, big or small. With exclusive entertainment access you can take advantage of advance ticket purchases, and exclusive VIP and backstage access to some of the biggest shows. Through the Visa Infinite Dining Series you have access to exclusive culinary experiences and private wine tastings. For the world traveler, the Visa Infinite Luxury Hotel Collection gives you access to over 900 luxury hotels around the world with automatic room upgrades and more. This card isn t for everyone, but its premium benefits are perfect for the VIP .

    Runner Up: CIBC Aerogold Visa Infinite* Card

    Best U.S. Dollar Card

    Scotiabank® U.S. Dollar VISA* card

    Compare this card

    Main Feature

    Worry-free US $ purchases with no currency conversion fees

    Annual Fee

    Additional Cardholders: $0

    Interest Rates

    Balance Transfer APR: 22.99%

    Cash Advance APR: 22.99%

    The Canadian dollar has fallen significantly against the U.S. dollar over the last few years and some economists predict the trend to continue. The effect of the currency move is simple a lower loonie puts less spending power in the hands of consumers. Consumers who do a lot of cross-border shopping will not only feel the impact of a lower CAD, but also will have to shell out additional foreign currency conversion fees. However, with this Scotiabank card, you can make U.S. dollar purchases with no foreign currency conversion fees. Plus get piece of mind with built in Purchase Security and Extended Warranty coverages.

    Best Hotel Rewards Card

    The Starwood Preferred Guest®* Credit Card from American Express

    Compare this card

    Main Feature

    New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn 20,000 bonus Starpoints® after you charge $1,500 in purchases to your Card in your first three months of Cardmembership.

    Annual Fee

    Additional Cardholders: $50 (waived for the first year)

    Interest Rates

    Cash Advance APR: 21.99%

    The Starwood Preferred Guest loyalty program caters primarily to business-people and frequent travelers looking for a high-end travel experience. Once you analyze the benefits, it becomes clear that the Starwood Preferred Guest®* Credit Card from American Express is the perfect companion to the program. In fact, for many consumers this card allows access to the higher Starwood membership levels by reaching annual spending thresholds. The benefits are many, and the annual fee is reasonable considering the sign-up bonus and annual perks. There s a lot more packed into the card (and the Starwood program) than we can write in this short review. Research the program and we think you ll see the value in the Starwood Preferred Guest® Credit Card.

    Research Credit Cards


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    Transfer your credit card balance #balance #transfer,transferring,credit #card #debt,save #in #interest,calculate


    Transfer your balance

    What is a balance transfer?

    A balance transfer involves moving the outstanding balance from your non-ANZ credit or store card account to an ANZ Low Rate Visa. You can choose to transfer the balance of your credit or store card balance to ANZ and pay just 1.99% p.a. for 12 months* on that balance.

    Transferring your balance to a card with a lower interest rate such as the ANZ Low Rate Visa can help you save on interest.

    Calculate how much you can save in interest by transferring your balance to ANZ

    All you need to do is let us know how much you owe on your existing credit card and what interest rate you’re currently paying.

    Balance Transfer calculator

    Balance to transfer: Min $100

    Your current interest rate: % p.a.

    By transferring your balance to an ANZ Low Rate Visa, you could save:

    $X.XX Over 12 months

    This is an estimate only and is based on the information you have entered, and is not an offer of finance by ANZ. The ANZ Low Rate Visa requires a minimum monthly payment of 3% (minimum $10) of the outstanding balance by the due date each month. This guide takes into account the minimum monthly repayment of 3% to estimate the amount you could save but otherwise assumes no other repayments are made. Savings only apply to the amount transferred and don’t take into account any further card transactions. Savings are calculated using ANZ’s balance transfer interest rate of 1.99% p.a. After twelve months our standard purchase interest rate for ANZ Low Rate Visa (currently 13.90% p.a. will apply to any remaining balance transfer amount. Actual savings may vary, particularly if you do not meet (or repay more than) the minimum repayments each month. A half-yearly card fee of $17.50 applies.

    How does a balance transfer work?

    What happens once my application for a balance transfer is approved?

    We will work with your other card provider to transfer the balance on that card to your new ANZ card – that process will be complete within 14 days of us receiving your application.

    In the meantime, while your balance transfer is being processed you’ll need to continue making any payments due on your old card (if you don’t you may be liable for overdue payment or interest fees from your existing card provider).
    We’ll send you a letter to let you know when your balance has been transferred.

    How will my payments be allocated if I have a balance transfer?

    When you make a repayment to your new ANZ card, it will be applied to the transferred balance first. Once your transferred balance has been paid off in full, repayments will be applied to any new purchases or cash advances on your card. (This means that until your transferred balance is paid off in full, you won’t get any interest-free days on new purchases).

    Will my other card be closed automatically?

    We can’t close your other card for you – you’ll need to contact the provider and ask them to close it. Until it’s closed you’ll continue to be liable for any repayments and fees due. Remember to check that all direct credits or debits have been redirected to your ANZ card account before you close your old one.

    How much can I transfer?

    You can balance transfer any amount greater than $100, and up to 95% of the approved credit limit on your ANZ credit card. That’s to ensure there’s a buffer to cover any charges such as fees or interest that could be charged subsequently.

    What does the balance transfer interest rate apply to?

    The special balance transfer interest rate only applies to the balance you’re transferring from a non-ANZ card to your ANZ card. For all other purchases or cash advances on your new card, the standard interest rate for that card applies.

    You can transfer your balance from any non-ANZ Visa and MasterCard, American Express, GE CreditLine, Q Card, Farmers Card and most other store cards.


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    The Best Canadian Credit Card With Travel Rewards #credit #cards,travel,travel #tips,personal


    The Best Canadian Credit Card With Travel Rewards

    Is a weaker Canadian dollar clipping travellers’ wings? Would-be vacationers could find themselves paying 30 per cent more for their warm-weather getaways this year. As the Loonie hovers around US$0.75, three-quarters admit the weak currency has impacted their trip plans.

    But cash-strapped travelers needn’t settle for a staycation, as a number of travel rewards credit cards can effectively offset travel costs.

    However, using plastic to fund a vacation can be a point of confusion. While there are a number of fantastic travel offers available in today’s market, many Canadians aren’t aware of travel rewards best practices, and there continue to be misconceptions around the true value of rewards, and how to effectively earn and redeem them.

    To help Canadians take flight faster, has revealed the Guide to Flying for Free – How to Cash in Travel Rewards Credit Card Points. The guide provides clarity on choosing the right card, and insight to the value offered by popular rewards programs.

    How to Pick the Perfect Travel Rewards Credit Card

    How Big is That Bonus. Really?

    We’ve all seen the ads — sign up today and get 50,000 points! Seems like a really sweet deal — but how much is a point really worth? It depends on the card and the way you redeem. Here’s a breakdown of what the most popular points in Canada are worth* when cashed in for travel:

    American Express Blue Sky Points
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
    Blackouts or Restrictions. No

    American Express Gold Rewards Points
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
    Blackouts or Restrictions. No

    BMO Rewards
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Good. Travel must be booked through the BMO Rewards travel agency, either online or over the phone. You must have a minimum of 100 points to redeem. If you don’t have enough points to cover your trip, you can pay the remainder with your credit card.
    Blackouts or Restrictions. No

    Capital One reward miles
    Each. $0.01 each
    Points needed for $100 in travel. 10,000
    Redemption – Great. Simply charge your travel expense to your card, then apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
    Blackouts or Restrictions. No

    CIBC Aventura Points
    Each. $0.03
    Points needed for $100 in travel. approx. 3,300
    Redemption – Ok. Travel must be searched for via the CIBC Aventura rewards portal, which includes all airlines. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

    Scotia Rewards Points
    Each. $0.01 each
    Points needs for $100 in travel. 10,000
    Redemption – Great. Simply charge your travel expense to your card, then log into your Scotia Rewards account to apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
    Blackouts or Restrictions. No

    RBC Rewards Points
    Each. $0.023
    Points needed for $100 in travel. approx. 4,300
    Redemption – Ok. Redeem your points online via the RBC Orbitz portal, over the phone, or via Carlson Wagonlit Travel. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

    Each. $0.15 each (varies based on flight redemption)
    Points needs for $100 in travel. Approx. 667
    Redemption – Ok. Flights must be booked via AIR MILES’ Dream Rewards Centre, which prices point requirements based on mileage. Redemption costs are higher during the high season, and AIR MILES cannot be used to pay for taxes and other surcharges.
    Blackouts or Restrictions. No

    Aeroplan Miles
    Each. $0.23 each
    Points needs for $100 in travel. approx. 4,300
    Redemption – Ok. Travel must be booked by the Aeroplan rewards portal, and are restricted to Air Canada and other partner airlines. Point redemption is divided into two tiers: Fixed Mileage and Market Fare. Fixed Mileage Flight Rewards travel can be booked for fewer points, but are subjected to limited availability and seasonality.
    Blackouts or Restrictions. Some seat restrictions

    TD Rewards
    Each. $0.005
    Points needs for $100 in travel. 20,000
    Redemption – Good. Book travel on any airline, or book through Expedia for TD, then log in in to your TD Rewards Account to pay with your points. Points can also be used to pay for taxes and additional surcharges.
    Blackouts or Restrictions. No

    *Based on value of signup bonus. Note values may vary depending on redemption method, flight seasonality and flight class).

    Tips for Using a Travel Rewards Credit Card

    Seek out the perfect plastic. There is a wide variety of travel rewards programs to choose from and each offers a different earning and redemption structure. It’s important to determine whether a card’s earning potential can be maximized based on your specific spending habits — for example, gas and grocery purchases, or earning on all spending.

    Heed the fee.
    Travel rewards cards are often packed with additional insurance, concierge and lounge benefits — and that means the majority charge an annual fee. Look for cards that waive this charge for a limited promotional period, and determine whether your annual earnings offset the fee amount. For those who are fee adverse, a non-fee card with a lower earning threshold can be a better fit.

    Ask about redemption.
    Those points won’t do much good if they’re grounded during your desired departure season. Seat capacity, seasonal, and minimum redemption restrictions are common pitfalls vacationers should be aware of. For the greatest flexibility, look for cards that allow points to be redeemed directly on travel purchases charged on the card.

    Cover yourself.
    Many travel cards come with built-in insurance benefits — but you shouldn’t assume you’re covered. At a bare minimum, ensure you have sufficient travel medical and accident insurance for yourself, spouse and any dependents travelling with you. Add-ons like trip interruption, delay and cancellation coverage can provide greater peace of mind on your journey.

    * Preparing for Takeoff: Air travel outlook for 2016 –

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    The best graphics cards of 2017 #graphics #card #compare



    The best graphics cards of 2017

    Upgrade your rig with one of the top graphics cards

    Whether it s snug in your tower of power s PCI Express slot or soldered to the inside of your laptop, the discrete graphics card, or GPU, is an integral component when it comes to PC gaming. Without it, you re given no other choice but to rely on integrated CPU graphics from the likes of Intel and AMD.

    Especially as graphics card makers have managed to squeeze more power into smaller form factors such as Nvidia with its cutting-edge Max-Q tech the best graphics cards have made it possible to game in 4K at acceptable frame rates without occupying a ton of space. Better yet, these top graphics cards are remaining competitive, too.

    That s right, the best graphics cards are on their way to getting even better, due in part to AMD s renewed interest in high-end components with the anticipated arrival of Radeon RX Vega. But, even so, there are still plenty of great offerings from AMD and Nvidia you can buy right now. In fact, we ve detailed our pick of the three top graphics cards, spanning all budgets, below.

    Best high-end GPU: Nvidia GeForce GTX 1080 Ti

    Titan X performance without the Titan X cost

    Stream Processors: 3,584 | Core Clock: 1,480MHz | Memory: 11GB GDDR5X | Memory Clock: 11GHz | Power Connectors: 1 x 6-pin; 1 x 8-pin | Outputs: 3 x DisplayPort, 1 x HDMI

    Titan X-like gaming performance

    A pricey investment for most

    If we re being honest, the GTX 1080 Ti is exactly what the Titan X Pascal should have been. Thanks to its 11GB of GDDR5X VRAM, the 1080 Ti is wildly more capable than the GTX 1080 proper without costing an arm and a leg. Performance-wise, the GTX 1080 Ti can t compete with dual-wielding 1080s, but it is cheaper and it does support a larger pool of games than two lesser cards with SLI. Aside from the mysterious absence of a DVI port, the GTX 1080 Ti is indistinguishable looks-wise from any of the other Pascal-series GPUs. Take a gander inside, however, and you ll notice a sophisticated cooling system needed to keep all of your games running smoothly in resolutions up to 4K.

    Best mid-range GPU: AMD Radeon RX 580

    AMD just overclocked your RX 480 for you

    Stream Processors: 2,304 | Core Clock: 1,340MHz | Memory: 8GB GDDR5 | Memory Clock: 8GHz | Power Connectors: 1 x 8-pin | Outputs: 1 x DisplayPort, 1 x HDMI, 1 x DV-I

    Solid 1080p performance

    Impressive price point

    3GB GTX 1060, still better value

    More of a souped-up version of last year s Radeon RX 480 than a brand-new graphics card, the Radeon RX 580 takes the Polaris architecture and amps it up to new levels of performance at the same affordable price point. Although it clings to the same 8GB of GDDR5 memory as the RX 480, there are still clear cut performance upgrades in tow. The boost clock, for instance, is now up to 1,441MHz, which you can compare to the 1,266MHz boost of the 480. It still struggles to maintain a consistent 30+ frames per second (fps) running most triple-A titles in 4K, but for 1080p and 1440p gaming, the AMD Radeon RX 580 rules even harder than its predecessor.

    Best entry-level GPU: AMD Radeon RX 460

    A modest entry point for esports and the like

    Stream Processors: 896 | Core Clock: 1,210; 1,250MHz | Memory: 2GB; 4GB GDDR5 | Memory Clock: 7,000MHz | Power Connectors: None | Outputs: 1 x DisplayPort, 1 x HDMI, 1 x DVI

    Beats integrated graphics at light 1080p gaming

    4GB version less affordable

    Like the GTX 1050 and 1050 Ti from Nvidia, the RX 460 runs cheap. Versions of it can be had from XFX, Powercolor, Sapphire and other aftermarket card makers who have all sought out to accomplish the same task of producing a value GPU that can effortlessly run just about every game in your Steam library, so long as you don t mind parting with the prospect of running The Witcher 3 at 60 fps on Ultra graphics settings. Capable and energy efficient, drawing all of its power straight from the motherboard without any 6- or 8-pin connectors required, the RX 460 is worth the money if you plan on spending a lot of time playing MOBA and RTS games. Otherwise, you re better off saving for one of the other best graphics cards above.

    Gabe Carey has also contributed to this article


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    Harley-Davidson? Visa Credit Card from U #harley-davidson #visa, #credit #card, #win


    We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

    The creditor and issuer of these credit cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

    2017 H-D or its affiliates. HARLEY-DAVIDSON, HARLEY, H-D, and the Bar and Shield Logo are among the trademarks of H-D U.S.A. LLC. Third-party trademarks are the property of their respective owners.

    2017 U.S. Bank National Association.

    U.S. Bank – EP-MN-L20D – 200 South Sixth Street – Minneapolis, MN 55402

    Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Rewards Program Rules for additional information.

    1 Points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. The Harley-Davidson Visa Signature card earns 3 points per $1 on eligible net purchases made at Harley-Davidson dealerships, 2 points per $1 of eligible net purchases at gas stations, restaurants, bars and lodging merchants and 1 point per $1 of eligible net purchases everywhere else. The Harley-Davidson High Performance card earns 1 point per $1 on eligible net purchases. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. Fast food merchants may not qualify for additional bonus. We will not award points for Advances, Convenience Checks, Balance Transfers, Interest Charges and Fees, credit insurance charges, or transactions to fund certain prepaid products. Harley-Davidson Genuine Rewards that are not redeemed expire 3 years from the date earned on December 31 of the expiration date.

    2 Harley-Davidson TM Gift Cards issued from Genuine Rewards redemption do not expire.

    3 NO PURCHASE NECESSARY TO ENTER OR WIN. A purchase will not increase your chances of winning. Sweepstakes ends 12/31/2017. Open to legal residents of the 50 United States and D.C. who are 18 years of age or older. For details, click here for Official Rules. Void where prohibited. Sponsor: Harley-Davidson Financial Services, Inc. 222 W. Adams St. Ste. 2000, Chicago, IL 60606.

    4 Certain terms, conditions and exclusions apply. Refer to your Visa card “Guide to Benefits” for details.

    5 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

    6 Late payments and going over the credit limit may damage your credit history.


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    Fuel Card – Manage Driver – s Personal Funds #fuel #card


    Delivering Funds to Anyone…Anywhere.

    Comdata Comchek ® Express Checks

    Comcheks provide a simple and secure way to pay for lumpers, repairs, fines, driver advances and other incidental expenses while out on the road. Settlements too! It’s a paper-based transfer service—similar to a check—that delivers flexibility and control when a card isn’t readily available or suitable.

    Like a Check, But More Secure.

    A Comchek ® is similar to a blank check. It cannot be cashed unless a merchant obtains an authorization from Comdata.

    Funds When You Need Them.

    Comcheks are the most widely accepted money transfer system in the transportation industry. By giving drivers the freedom to spend when they need to and managers the control they need to manage cash flow, Comcheks provide a solution that works for almost everyone.



    Express Cash

    Comdata’s Express Cash is a unique card feature that enables a driver/card holder to have a “dual-sided” set-up, allowing them to separate and have access to personal funds and company funds from the same card. It’s a great way to automate driver payments and reimbursements while still closely managing their company-related purchases.

    Funds Available Immediately.

    Your fleet transmits the driver settlement or advance and the funds are available instantly to them via the Comdata Card.

    A ccess Funds Via The FleetAdvance Mobile App .

    Drivers can check their balances at any time via the FleetAdvance Mobile App (LINK), withdraw funds via an ATM, and even pay bills or transfer funds to a bank account.

    Reassuring Reporting.

    Express Cash provides daily and monthly reports showing reconciliation report showing all debits, credits and ending balance.

    Perfect For Both Drivers and Managers.

    With Express Cash, you can even distribute performance incentives, bonuses, pensions and commissions.


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    Introducing s Newest Feature: Recipe Box #dish #network #card #sharing


    When you re perusing s vast collection of recipes, you may very well come across towering cakes and comforting casseroles . simple soups and showstopping steaks . and centerpiece roast chickens and satisfying cookies — all in one visit. But with so many tasty how-tos for the taking, how are you to remember which recipes in particular you know you want to make, and how do you keep them organized? Enter s newest tool: Recipe Box .

    It s no longer necessary to print out page after page of recipes, then staple them together and stash them away in a drawer. With Recipe Box, not only can you sort your favorite recipes by dish, cuisine, meal type, menu, chef and more categories, but you also can create shopping lists based on any or all of your preferred recipes and access them from both Food Network s website and your mobile phone.

    The first step to creating your Recipe Box is registering to become a member of It s free and easy to sign up, and the process — consisting of an email and password entry — takes mere moments; you can also register with your social media accounts, like Facebook or Google+. If you re an existing member and you ve already started collecting recipes in your Recipe Box, those saved recipes will have been moved to the new Recipe Box.

    Once you ve created a profile and are signed in, simply click the Save to Recipe Box link on the side of any recipe. You can create customizable folders for themed recipes, like Thanksgiving-inspired eats, or just pool them in All My Recipes.

    To make the process of actually planning to cook these recipes simpler, you can add ingredients to your Shopping List, and from there tweak the list so that it doesn t include ingredients you already have. You can also add miscellaneous goods — say, those needed for no recipe in particular — then email yourself the complete list to easily reference later.

    By hovering over any recipe in your recipe box, you have the option of putting its ingredients on your shopping list, adding the recipe to a folder, plus sharing, deleting or viewing the recipe.

    If you come across a must-save recipe on a site other than, you can add it to your recipe box as well. After clicking on Add a Recipe from a Site, just copy and paste the URL into the field and select Import Page. You ll be able to make notes about the recipe and save it to any of your folders.

    With Thanksgiving less than a month away, it s not too early to start planning your holiday feast. You can get a jump-start on menu development and make grocery shopping easier with the help of Recipe Box. Browse Thanksgiving Central. Food Network s one-stop Turkey Day headquarters, for the ultimate in recipe inspiration, and start planning today.


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    Graphic design, print and direct marketing #graphic #design, #brochure #printers, #direct


    Direct Mail Fulfilment Services

    Communicate effectively with your clients, Proactive can provide you with direct mail processing, from print to delivery. If you have a database of clients, we can personalise and distribute your mailings and save you money on postage too!

    Click here to see our range of direct mail fulfilment services

    To discuss your mail fulfillment requirements, please contact us on 0800 412 5333 .

    Brochure Printers – We can meet all your bespoke brochure printing requirements. If your design needs that special touch, Proactive can help you achieve the best finish with the best materials at the best price!

    Catalogue Printers – Depending on quantity and format catalogue printing generally requires a larger printing press to achieve cost-effective production, we can provide competitive quotes to meet your demand for high volume orders.

    Folder Printers – Our off-the-shelf folder cutters, make it easy for you to quickly produce high-quality presentation folder for your business. If you are looking for a more unique presentation folder, we can produce a bespoke cutter to make your folder stand out from the rest.

    Stationery Printers – We offer recycled and non-recycled paper stocks for all of our printed products, but stationery is where you can make a real impact and get your enviro-conscious message across. Ask for a recycled quote to see the cost comparisons.

    Flyer Leaflet Printers – There are 1000’s of companies that can produce flyers at incredible cheap prices. We not only pride ourselves on our competitive pricing but on the additional services we can add to your campaign. Once you have printed your leaflets or flyers we can help you reach your market through mail fulfillment and distribution.

    Large Format Printers – If you need printed panels for a presentation or need to upgrade an exhibition graphic on your exhibition stand, we can offer a huge range of materials and finishes. From weatherproof graffiti protected signboards to one-off foamex mounted posters, we can help you find the most cost effective solution

    Graphic design company

    Proactive provide you with high quality print services, quickly!

    From brochure printing. large format printing, presentation folder printing, to exhibition stands and banner stands, we can provide advice on materials and finishing, distribution and fullfilment.

    Proactive offer a selection of brochure printing and catalogue printing options, and our presentation folder printing range includes self-assembly options for the budget-conscious as well as a choice of pocket-sizes for loose-leaf inserts.

    Our printed stationery includes letterheads, compliment slips, and business card printing and can be supplied on a wide range of papers, including a selection of recycled stock.

    Design case studies

    See examples of our work in our Design Case Studies section

    Graphic designers

    Need a Graphic Designer?
    Our team of experienced graphic designers work to your brief to create effective designs and concepts for your company. Our graphic designers work efficiently to tailor your campaigns to suit your budget and nothing is ever too much trouble.

    Whether you are looking for a graphic design company or graphic designer who can help with brochures, your exhibition graphic needs or top-to-bottom re-brands, Proactive can help.

    We are also a printing company and are only too happy to guide you from concept to delivery to ensure the process is effortless and convenient on your part.

    Large format printing

    For CMYK and spot colour printing as well as specialised printing services like, Proactive will find the right solution to your printing needs, at competitive prices. We now offer large format printing for posters, exhibition stands and banner stands as well as exhibition graphics .

    Benefit from a dedicated print supplier
    We want to be your one-stop print supplier. If that means we provide advice on your business card printing one day and your exhibition stands graphics and folder printing the next, that’s exactly how we like it. Many of Proactive’s satisfied clients use us as a bolt-on printing department to their own companies. We provide stock control, deliveries and central billing for our larger clients, as well as a personal point of contact for the print buyer in each department. Use our flexibility to your advantage and see how our printing company can benefit your organisation.

    If you already have your own graphic design company and are simply sourcing a printing company, Proactive offers a flexible and reliable approach to ensure the final result achieves the impact you desire – please call us on 0800 412 5333 with your exact requirements.


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    How Issuing Banks Benefit From Credit Cards #benefit #credit #card


    How Issuing Banks Benefit From Credit Cards

    The issuing bank makes money when you use your credit card.

    Before you can get a credit card, you have to have an issuing bank approve you and agree to let you use its money to make purchases on the promise that you’ll pay it back. Banks benefit from issuing credit cards in tangible ways that directly increase their profitability, but also in intangible ways that increase your loyalty as a customer.

    Interest Charges

    When banks issue credit cards, they’re essentially lending you money to make purchases. You pay them back when you get your statement. If you don’t pay in full each month, the bank charges you interest — often at very high rate. According to, as of January 2014, the average fixed rate credit card charged over 13 percent and the average variable rate card charged over 15.3 percent.

    Credit Card Fees

    Credit cards are notorious for having a number of potential fees associated with them, sometimes even one just for having the card, known as the annual fee. Other times, fees are associated with specific transactions, like cash advances or international transactions. Some of the fees are penalties for things like going over your credit limit or making a late payment. These various fees all pad the issuing bank’s bottom line.

    Merchant Fees

    When a merchant swipes the credit card as your form of payment, the merchant has to pay a fee that gets divided between the credit card issuer and the network — which in some cases are the same entity. For example, Discover and American Express are both the issuer and the network, while Visa and MasterCard are networks that share the merchant fees with a variety of banks that issue their cards.

    Customer Loyalty

    Banks also benefit from issuing credit cards in a more intangible way by increasing your affinity for the brand. By offering you a credit card in addition to savings and checking accounts, for example, the bank can help you with your various financial needs. And if you’ve already got all your financial eggs in a basket at one bank, then you’re more likely to use that same bank again when you need additional financial products, like a car loan or mortgage.



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    Lead management software for sales people – You Don – t


    Most businesses do not need a tool to manage their customers,
    they need a tool to turn their prospects INTO customers!

    Why ?

    Standard CRM software slows down your sales by wasting time filling in ‘paperwork’, diverting you from your primary goal: acquiring new customers !

    You have to go through the process of creating a sales log including company name, contact details, and to do steps, and finally add your lead.

    Our solution

    It’s all about leads. Copy & paste information from a spreadsheet or upload a business card. That’s it! You have a lead, you can start working.

    You Don’t Need a CRM! keeps you in touch with your prospects at the key moments of the customer relation process. taking away the risk of missing an important opportunity!

    For Who?

    You Don’t Need a CRM is the perfect match for small businesses ranging from 1 to 200 employees that need a pro-active sales approach to turn leads into deals .

    SMBs enjoy our cloud solution. No need to install software on a computer, no maintenance, everything is accessed through the browser. It’s fast, easy and secure. It’s SaaS!

    Need to convince your boss to use You Don t Need a CRM.

    Print this PDF and go ahead to their office!

    Features to boost your sales skills

    Start from a Prospecting List

    Filling in forms can be tiring and painful. With our solution, you can easily import from any Excel/CSV File and start working on the contacts right away inside our prospecting list. Once a suspect turns out to be of interest, turn it into a Lead in one click. This is great when compiling a cold calling list or qualifying a marketing database. Never waste time with Spreadsheets again – turn your Leads into Deals!

    Or with a business card.

    You’re away from the office, networking, receiving business cards here and there. You just met a potential customer, take a picture of their card with our mobile application and it will be turned into a lead with all you need to know: company name, contact details. All you had to do was take a picture!

    Never lose a lead with automatic alerts

    Before the closing, leads have only two status options: either the ‘you have something to do’ ones or the ‘you WILL have something to do’ ones. It’s that simple! Each time you act on a lead, you log it and set your reminder for your next action. When that time comes, the lead shows up automatically at the top of your to-do list and in your synchronized calendar (Google Calendar, iCal, Outlook. )

    Customize your sales process

    With You Don’t Need a CRM! you define each step of your sales process or your sales funnel. new prospect, contacted, trial, negotiating, closing. You customize the steps according to your needs and you manage your pipeline in a clear and efficient way.

    Get leads from your website

    Connecting your website’s contact form to You Don’t Need a CRM! is as easy as sending an email. Whether it’s a request for information, a demo or a quote, you can turn it directly to a lead inside You Don’t Need a CRM. Once again, you never lose a lead!

    There is a life after “won”

    You’ve just won a lead. Congrats! But what are you going to do now? There is often a specific need for a follow up after a deal has been won.

    Create a Follow-up with specific tasks or use a predefined template with regular tasks and then assign it to anyone within your team. You can even set reminders for future tasks in order not to forget to get back to your clients at the right time. It’s Project Management made easy!

    Go mobile

    Whether you use Mac or Pc, iOS or Android, tablet or desktop, Surface or iPad You Don’t Need a CRM! will adapt to your screen and provide you the best experience with your terminal. With our mobile version you will be able to scan a business card on the way, call your prospects. log your activity or help your team.

    Google Apps for Work and third party apps

    Are you using Google Apps for your business? That’s great as You Don’t Need a CRM! is a SaaS software connected to Google Apps for Work. It gives you access to Single Sign On, instant Google Calendar synchronization and import of your contacts. But that’s not all, we’re also connected to hundreds of third party apps like FreshBooks, Mailchimp, QuickBooks, Slack, Wufoo through Zapier, our API or direct integration.

    Collaboration and team management

    You Don’t Need a CRM! is a great tool for one person, but it is even better for a team. Our features emphasize team-work, you can share contact lists, messages, comments. and get help with leads. With its state-of-the-art collaborative features, its daily summary and its statistics, You Don’t Need a CRM! facilitates team work and helps you become a better company.

    All I ve ever wanted was a program to track leads without all the over-complication of a full CRM. YDNACRM was the perfect solution. I finally found what I was looking for.

    Quentin McNabb Sales, Motion View Software

    Simple, powerful and effective.

    Helps you to manage your sales team without the endless fields to be fulfilled like in the others tools available in the market. Gives your team more free time to do what really matters: find new sales opportunities.

    Eduardo Biasi Sales Manager, Fly Link Telecom

    You Don t Need a CRM is a very simple yet effective tool. I was really impressed how the claim was taken into action. I can totally recommend it to all SMBs.

    Roman Walther Digital Marketing Advisor

    Great and affordable app

    I have a small retail business so I needed a system to manage my leads without running out on budget. Now I have more than 1 year using YDNCRM and I find it very helpful, plus the team provides ongoing support and training. I highly recommend this system if you have small to medium sales teams and don t want to spend weeks on the set up.

    Uzziel Sanchez Director, CWCuitlahuac

    We switched from a CRM/Project Management app to You Don t Need a CRM and we love it. The sales guy says almost everyday: I love YDNCRM . The interface is simple and sensible, so we were able to use it immediately with very little training.

    Lura Frazey Manager, Steve Locke Construction

    Great tool, simple and powerful

    It s so easy to use: no need to fill in any database. Just add your own email address in bcc so that you create a lead when you mail a contact, or even scan a card with the mobile app. Tasks reminders are fully integrated in Google Calendar so you can drive your prospection with the tool and track any contact. That s a tool I use and enjoy every day!

    Frédéric Le Compagnon Head of Agency, Opus MI


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    Massive Credit Card Fraud Steals $200M – ABC News #credit #card




    Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

    ‘Massive’ $200M Credit Card Fraud

    Image Source/Getty Images

    A new study finds credit card debt is the top financial worry of the holiday season.

    Eighteen people have been charged in what federal prosecutors in New Jersey called one of the largest credit card fraud schemes ever uncovered by the U.S. Department of Justice, spanning 28 states and eight countries.

    “The defendants are part of a massive international fraud enterprise involving thousands of false identities, fraudulent identification documents, doctored credit reports and more than $200 million in confirmed losses,” FBI Special Agent James Simpson said in court records.

    According to court records, the scheme involved three basic steps: The defendants allegedly created thousands of fake identities, pumped up the credit histories of those fictitious people and then racked up charges on fraudulently obtained credit cards.

    “Due to the massive scope of the fraud, which involved over 25,000 fraudulent credit cards, loss calculations are ongoing and final confirmed losses may grow substantially,” Simpson said.

    The proceeds, authorities said, were used for luxury automobiles, electronics, spa treatments, high-end clothing and millions of dollars in gold. Authorities said the fraudsters also stockpiled large sums of cash and approximately $70,000 in cash was found in one defendant’s oven.

    Though the scheme targeted credit card companies, Paul Fishman, U.S. Attorney for New Jersey, said customers everywhere could feel the impact.

    “Through their greed and their arrogance, the individuals arrested today and their conspirators allegedly harmed not only the credit card issuers, but everyone who deals with increased interest rates and fees because of the money sucked out of the system by criminals acting in fraud rings like this one,” Fishman said.

    The defendants, including the alleged ringleaders, Babar Qureshi and Muhammad Shafiq, are due to make their initial court appearances this afternoon before U.S. Magistrate Judge Madeline Cox Arleo in a Newark federal court.


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