Learn About How Airline Miles Cards Work

It doesn’t matter if you are flying first class or economy; there are Airline Miles cards for those frequent flyers. Business travelers and bag-checkers, bargain hunters and loyalty flyers will get a card that can get them flying. A branded airline card has its benefits, such as waived bag fees, priority boarding, and so on – while a more general travel credit card does offer higher earning potential and greater flexibility. Here are samples of the two.

Capital One Venture? Rewards

Probably, the best travel card out there is believed to be the “Capital One Venture Rewards Credit Card” that has much to offer anyone who travels. It makes an even 2 miles per every $1 spent, which is much better than most airline cards where the max is 2 miles only on spending for flying and 1 mile on everything else. Also, this Capital card has no transaction fees for foreign charges, which can save you a lot if you travel abroad. There is a $59 fee annual, waived the first year and counterbalanced by a 10,000 Capital One No Hassle Miles bonus for signup.

No Hassle Miles

Furthermore, the card pays out everything in “No Hassle Miles” instead of miles that are airline-specific. These No Hassle Miles are transferred as a credit on an account against any expense of traveling- airfare, baggage fees, gas, hotels, etc. This will mean you not having to be hit by dates that are blacked out, your miles’ value will not be weakened by fees and taxes, and you are able to book on any airline through any service. Indifferent from specific airline programs, you are also able to exchange in peculiar increments, cashing in 17,578 miles for a $175.78 credit on a statement rather than waiting to build up 25,000 increments. “No Hassle Miles” lets you book through any discount sites and fly on any airline, rather than limiting you to only one carrier. If you fly on various airlines or favor bargain hunting, there is just no better airline card than this one.

Capital One Cash Rewards – $100 Cash Back Bonus

This is probably the best no-fee airline miles card. If you like the elasticity of the Venture card, but do not really like the annual fee – this is a no-fee card that has great rewards, flexibility and ease of international travel. This “Capital One Cash” comes with a signup hundred-dollar bonus and 1.5% cash back on every dollar that you spend. Also great for anyone flying abroad, it has no fee for foreign transactions; and although it does not receive miles, you are able to use the rewards cash for everything, comprising airline tickets or travel. It doesn’t matter how many miles you fly; the best reward is often hard, cold American cash.

Lightning Fast Credit – How Instant Decision Credit Applications Can Deliver Quick Wins

Whether you need instant credit to pay an unexpected expense or invest in a new car, credit cards are often seen as the best way to get your hands on the little bit extra we all sometimes need. Provided you have a suitable repayment plan in place and that you ensure that you can afford to pay at least the very minimum payment each month then credit cards can be a valuable tool in the arsenal of the modern day consumer.

There are cards out there designed for people with all sorts of credit histories, but be wary of huge APR rates once the introductory period is over; making an instant credit card application may be super fast, but the time it takes you to pay back your loan may not be. Make sure you have all the details in front of you before you sign up. Knowing your way around all of the terms and conditions of any card before making an instant credit card application is the most important thing to keep in mind when looking to apply; after all why sign up for a card affiliated with air miles when you don’t fly regularly? No one likes to make mistakes, especially if they lead to unwanted fees or charges!

Instant decision credit applications differ form other credit card applications. The most obvious difference being that, once an online application is completed, approval is given immediately, or in a matter of minutes. Other credit cards usually have a longer waiting period. Often forms will be sent through the post, which then need to be signed and returned. This is usually followed by a waiting period during which a decision is made. Instant decisions credit applications bypass the need for hard copy forms and make a decision seconds after the card is applied for.

Once you have decided which card and company is right for you, visit the website where you will be directed to the application page. You will need to provide details of your addresses, employment and age in order to complete the form as well as any information you can provide about your income. Some credit card checks are no longer based on good credit histories but simply check that you are who you say you are – so whether you have a bad or no credit history you should still be able to get a decision quickly online.

However, on the whole, making instant decision credit applications are the same as any other credit application. You will be required to fill out an online application. On the form you will need to provide various personal details such as: your name, address and date of birth; previous addresses; details of your income; and so on. Some companies will also ask for details such as your social security number, or the number on your driving license. All of these details will then be used to identify that you are who you say you are.

If you are refused an application however, you are entitled to see what current details the credit checker holds on you and to view your credit rating. This information is available for free online should you wish to access it before or after your application. Simply type in ‘credit check sites’ to any search engine and you will be able to access your file.

Stop Credit Card Fraud With a Bank Identification Number Database

Do business owners and managers have to invest in an accurate and complete Bank Identification Number (BIN) database? Business transactions nowadays are performed electronically, and you have to institute the necessary safety protocols to protect not only your interest but the interest of your clients as well.

BIN database download not only make the online transaction safe and secure. This business solution also allows you to process and complete the transactions with your clients in just a few seconds. Companies constantly face the threat of credit card frauds and you would need bank identification number checker to flag suspicious transactions and prevent frauds and unnecessary chargebacks.

This makes visa and MasterCard identification important tools to counteract any attempts by shady characters to commit online scams and other fraudulent activities online. This business solution allows you to secure online transactions and protect your company’s stake and reputation as well as the interest of your clients.

General Features of Bank Identification Number Database

The credit card checker is presented as numbers in excel following an 11-column format. You can use any programming language to parse the updated numbers list. Thus, it is imperative that you find the source that will provide you with easy access to accurate and complete BIN list. And you should be able to access the BIN database without any technical issues and challenges.

Additionally, your provider must be able to deliver the most accurate and up-to-date BIN database list. The most current BIN database would normally contain around 140,000 entries covering over 9,000 banks. A comprehensive database should consist of data culled from various sources. The records must not only come from online sources. To have a comprehensive database, the data should also be obtained from merchants that regularly process online credit card payments as well as records from banks and other financial institutions. There are entities that offer over 300,000 records. However, these data sources only provide you with the numbers but come with no information about the bank or country of origin. Obviously, these numbers are practically useless.

Key Benefits of Bank Identification Number Database

A reliable BIN database should consist of updated BIN entries from different banks and other financial institutions. Companies will be able to pinpoint the credit card issuer and the country of origin with the right BIN checker. This business solution provides better security profile for your business. Thus, you will enjoy the full confidence and trust of your clientele. This should be an important aspect of your company’s branding, and if you want to avoid or minimize frauds and other forms of online scams, you need to spend on the right BIN database.

How to Avert Credit Card Fraud With A BIN Checker

If you do not know what a BIN checker is, here is a quick primer. BIN stands for Bank Identification Numbers. These numbers are collected and put in a database and the database is commonly known as the BIN database.

The database is used by both offline and online retailers to verify card transactions. These cards can be credit cards, debit cards, or even gift cards. The database contains information about the cards, which includes the issuer, the card type, the card number and more. When a transaction takes place, the retailer immediately do a check with the database. If it’s a valid card, the transaction is approved. If the card fails validation, the transaction is rejected instantly so no real damage is done. Now why is it important for a retailer to verify cards in real time?

Imagine that a “customer” tries to make a purchase with a stolen card and bought hundreds of dollars worth of products. Without any sort of verification tools in place, the business approved the transaction and the sale was completed. Then the real owner of the card discovered that his card was missing (i.e. stolen). So he made a police report and immediately issued a charge back with the bank.

In this case, the bank will process the charge back based on unauthorized transaction. The money would be returned to the owner of the card. Note that the business had already delivered the products as the sale was completed. The business suffered hundred of dollars immediately as it’s unlikely that the products will be recovered. The business also has to pay for charge back fees. Such business costs are normally just passed on the consumers – the real paying customers.

Sounds unfair? Feel like doing something about it? What if there is something that CAN be done?

The solution is to use a BIN database. This is a tool that helps to verify transactions before there is any real harm done. When a card is rejected, there are no charge back fees. The business also does not risk losing valuable goods.

How to verify card transactions with a BIN database?

The solution is simple. Simply invest in a good database. The key is to get a database with highly accurate records. That means the supplier should update the records on a regular basis. Since new cards are issued and scrapped every day, databases should ideally be updated daily.

Your system must also be integrated with the database so that when a card is used, a check is performed instantly. Therefore, the database should come in a format that can be easily hooked up with your current system.

When the database has been successfully integrated, you will start to enjoy the benefits of having a BIN checker. Business costs associated with card fraud and thefts will be minimized and profits will be substantially higher in the books.

Finally, you will also be able to sleep better as you don’t have to worry over fraud, thefts, and charge backs anymore!

The bin checker database is the lynchpin of credit card fraud prevention and companies need to institute the necessary measures to minimize losses as a result of frauds and chargebacks. Learn how you can use bin checker in your business to validate and confirm credit card and debit card transactions.

Secure Online Transactions With a Credit Card Bin List

Bank Identification Number or BIN is an important aspect of the company’s MIS, especially if you have a significant stake in Internet-based transactions. Thus, you need to maintain an updated BIN list database in order to protect your ecommerce business from potential frauds and other forms of online scams.

The bin database online consists of BIN entries from merchants, banks and other financial institutions. The BIN is the numeric code from the first 6 digits of gift, debit and credit cards. The BIN is the security code for the identity of the banks or financial institution that issued the card. However, you have to obtain a BIN database that does not only provide you with the BIN entries but of pertinent information about the card issuer as well as the country where the cards were issued. Those who are familiar with the intricacies of online transactions through gift, debit and credit cards will easily understand the necessity for an up-to-date and comprehensive bank list.

Use Credit Card BIN List to Verify Card Details

A BIN list database empowers your company. It is a business tool that will protect and ensure the validity of all transactions online. This is a common concern by both your company and your clients. Through appropriate risk management techniques, you can you can use the BIN list download to detect suspicious online transactions and flag potential scams and frauds based on the country where the card was issued and the country of delivery. Discrepancy in these data would indicate possible fraud in the said transaction. For instance, you can determine if a card issued by a bank that is based in Canada is used for an online purchase with delivery details pointing to shipment going to Moldova. With a BIN list checker, this transaction can be easily flagged for further verification and validation. This action should be done before any transaction is confirmed.
Even the simple confirmation of the issuer of the gift, debit or credit card and the identity of the person to whom the gift, debit or credit card was issued is already useful in determining whether the transaction is authentic or not. The BIN list checker will also help you determine the type of card that is used in the online transaction, whether it is gift, debit or credit card. Of course, you can also detect the card brand, whether it is an American Express, Visa or MasterCard.

Prevent Card Fraud with Credit Card BIN Ranges List

High incidence of customer chargeback can seriously hurt your business. This is the main reason why you have to include credit card BIN list as one of your priorities. Failure to institute measures that would reduce chargebacks can affect your margin, and in a worst case scenario, may even lead to the suspension of your account. With a reliable BIN list checker, you can easily detect suspicious and fraudulent card transactions and avoid exceeding the pre-defined chargeback ratio for merchants.

11 Secrets to Paying Off Credit Card Debts – Money Saving Expert

The current growth of UK debt is £1million every 8 minutes and we all contribute a Stonking £263 million in interest a day. There is currently 27.4million credit cards transactions made a day with a total value of £1.56billion. The total credit card debt in the UK for September 2008 was £55.7 billion and the average adult in the UK has approximately 4 credit cards, store cards and debit cards.

It is little wonder that we are all looking for the ‘secrets to paying off our credit card debts.’ We make our monthly payment and then find that we paid more in interest than the amount that was reduced off our outstanding balance. Frightening isn’t it!

When you look closely at your credit card statement you will see that the interest rates are somewhere between 0% and 27% per year depending on the provider. The average card is generally around the 17% +/-mark.

The secrets to paying off your credit card debts are:-

1. Credit card consolidation is the solution of last resort unless it is the only option available to you due to the lack of your disposable income.

2. Shop around for a credit card provider who offers a 0% credit card deal for the longest period of time. The normal offer is for 9 months or 12 months. Check the providers transfer fees for moving your balance to them and see if you can find a provider with either a lower fee or even better no transfer fee. Make sure that you move the balance to another card at the end of the 0% deal. If you don’t then you will certainly go on their worst interest rate deal. Don’t try and arrange too many 0% deals in the same month as you could find yourself being turned down. Just move one or two cards every other month.

3. It is also worth considering a credit card with a low interest rate for the term of the balance. But don’t spend any money on it as the interest rate for new purchases will be exorbitantly higher.

4. If you are paying any Payment protection Insurance then you must see if you can find a cheaper policy to cover all your outstanding cards elsewhere. You should cover yourself for accident, sickness and redundancy with the same cover or better. Then cancel the credit card protection insurance from your credit card.

5. Move all of your credit card balances to better interest rate deals. Make sure that you move all you highest interest rates onto the lowest interest rate deals first.

6. Don’t forget you can always ring up your credit card provider and ask what deals they have. It might be a better deal then you are currently on and any deal that is lower than you are paying now is better.

7. Now you have rearranged your credit cards you should start paying as much as you can comfortably afford off the highest interest rate cards first and the minimum allowed off the interest only cards. Get the highest interest rate cards down as quick as you can. Keep moving those cards to the next best interest rate deal as soon as the last deal finishes until all your credit cards have a ZERO balance.

8. Once you have cleared a credit card balance completely then cancel the card and move the money you were spending on the card you cancelled to the next card and watch as your balances just fall away.

9. Start using your debit cards instead of your credit cards and you will find that this will curb your passion to spend on plastic. You will go overdrawn in your bank account if you have not got enough money to cover your purchases. The bank will charge you an overdrawn charge of around £20 to £37 and you will quickly realise that you can only spend what you can afford.

10. When you have a Zero balance and one credit card left you need to reward yourself you have earned it! What a Result! Congratulations

Now that you are debt free and in control of your finances you may like to try this. You have now qualified as a Master Credit Card Tart. Apply for a 0% credit card. Then withdraw the full amount of credit they have given you and buy National Premium Bonds. Pay the minimum monthly payment allowed. At the end of the 0% deal move the balance to the next 0% deal and so on. Here is the best bit it will never cost you anything and all the winnings are tax-free and all yours courteous of the credit card company. You may just be one of the two lucky £1million Winners that they announce each month. What a flexible friend you now have!

The Basics Of Credit Cards

Credit card usage is often demonised in the media because this is an attention getter. There have been many people who have damaged their credit ratings and credit history by irresponsible use of credit or just through a plain lack of understanding about how credit and credit scoring works. When is the last time you tried to rent a car or motel room, make a reservation, purchase something online or even apply for something simple like a cell phone plan without being asked for a credit card? It is very hard to function in our world without at least one credit card, and if you can use it responsibly, it will have a tremendously positive impact on your life!

This is why knowledge about credit card basics is so important!

What exactly is a credit card?

A credit card is a plastic card issued to a line of revolving credit. The reason it is called a revolving line of credit is because your credit limit rolls over from month to month. Let’s say you applied for a credit card and were accepted for an initial $1000.00 line of credit. You use your card to pay a bill or make a purchase for $250.00 and you are sent a statement showing the $250.00 purchases after the grace period along with an “available credit” in the amount of $750.00 You could choose to pay the balance off in full or pay less than the full amount. If you pay less than the full amount, you will be charged interest on the outstanding balance.

Interest and finance charges.

Let’s say you paid $50.00 of your outstanding balance. Once your card issuer has received your payment, your new available credit limit will be $800.00 less your finance charge.These finance charges would be based on the Annual Interest Rate, often called the APR, of your unpaid balance. If your annual interest rate or APR were 19% for example, then the monthly equivalent of 19% would be applied to the outstanding balance. In this case that would be $200.00, 19% of which is $38.00. This does not mean you have a finance charge of $38.00! Divide this number by 12 and you get $3.16! Remember, this is an ANNUAL PERCENTAGE RATE!

It’s important to tell you that if you pay the balance off in full during the grace period, then no finance charge will be due. This is like getting an interest free loan every month! What is a grace period? A grace period, stated simply, is the amount of time you have to pay off your entire balance before your charged any interest. In most cases this is about 25 days, but every card issuer can have different plans. This means if you pay your balance in the 25 day period, you get to use someone else’s money interest free!

What should you consider when applying for a credit card?

First of all, you should be looking for an annual fee. If you pay off your balance each month, then the interest rate is less important, but an annual fee will be charged to you no matter what! Many credit cards have no annual fee except those starter cards tailored to those with a checkered or limited credit history. These cards can have annual fees ranging from $19 to $79 or more per year depending on your credit worthiness. Once you begin to build a solid credit history, you will see these fees come off and you will get other credit offers as well.

Second, you should consider the interest rate or finance charge. Many cards have a low introductory interest rate for 3 months to a year as an enticement. Again, if you pay your balance in full, this is not that important, but if you need to carry a balance and you can qualify for a low interest rate, carrying a small balance could be a wise financial decision when it becomes necessary.

Third, you must be aware of the other fees associated with your credit card. For example what is the fee for exceeding your credit limit or having a payment come in late or missed altogether? No one plans on having this happen, but sometimes we are influenced by circumstances beyond our control.

Credit card ownership can open many doors and make your life easier, but it can also lead to financial ruin if you make poor decisions about your credit. The best way to overcome this is to be the most knowledgeable consumer that you can be and learn all you can. Stay tuned for more of my articles on responsible credit usage and visit my website to sign up for my newsletter! I will help guide you through the basics of credit knowledge and into the advanced methods and strategies for getting the most out of your credit!

Sears Promo Codes – What Can I Buy With Them?

A lot of people are looking for ways they can save money. Whether they are buying food, clothing, household items, and necessities, it is the innate nature of an individual to look for a discount. If they cannot find a discount, they will look for a cheaper option. This though, does not apply with Sears promo codes.

The beauty about having a code is that you can get to save some items on your shopping venture. Since you have gotten a promo code for Sears, you can make use of the discount only with the brand. But you should not worry on what you can use it with as Sears has a complete line of everything that you can possibly need or want. The only thing they lack is food.

You can use your promo code if you will buy appliances, automotive/tires, beauty, baby, bed, bath, home, books, clothing, electrical gadgets, gifts, fitness, sports, health, jewelry, and a lot of other products. With Sears, you can easily have choose what you want to buy as they have such an extensive array of available products that you can choose from. You can even buy gifts for your friends.

The list of items that you can buy with your Sears promo codes seems to be endless. Your needed items can simply be bought at Sears. Because of this, you do not need to go to another retail store so you can complete what’s on your list. Truly, this fact alone can already save you some money on transportation costs that you would have otherwise needed to spend.

Top Brand Professional Automotive Tools Reviewed – Know Your Budget

The tool market is well serviced in terms of brands, design, quality and price. The key consideration is to evaluate your needs. For example, it is pointless buying a laptop capable driving sophisticated 3G games when really all that is required from the unit is basic desktop and internet work. This kind of example also applies to buying tools. For instance, why waste one’s budget on buying the most expensive tools when their application is for occasional hobby type tasks.

Lets start with an overview comparison. It is widely agreed that the best quality and designed tools are manufactured by the Snap-on company. This brand of tools is designed for the professional market. No tool brand is perfect and infallible to failure. However, the Snap-on lifetime warranty means that when a tool breaks, it is replaced or repaired by the service representatives. Snap-on tools can be bought from their distribution trucks and vans that visit automotive workshops. Alternatively, their online catalog allows purchasing via the internet. Second-hand and recycled Snap-on tools are also eagerly traded through websites like eBay and eBay Partner sites.

As noted above, Snap-on automotive tools are at the upper price range. However, there is no shortage of professional grade tool brands at price points below that of the Snap-on brand. For example the brands: Matco, MAC and Cornwell are equally respected in the professional automotive sector. Matco, MAC and Cornwell off a range of professional tools that deliver quality and reliability while carrying sound lifetime warranties and professional after sales service. And are less expensive than the Snap-on brand for the budget minded professional automotive technician. The availability of these brands for sale is similar to Snap-on tools. Trucks visit and distribute tools at automotive workshops. Also, online catalogs and auction type websites offer buy opportunities.

For those budget sensitive buyers, the next set of tool brands is SK and Craftsman. The manufacturing quality of these brands meet USA standards and carry similar lifetime warranties like those brands mentioned above. So, for the semi-professional or hobbyist application these tool brands are an ideal choice. Some may argue that the SK brand, although not as popular, is a little superior to the Craftsman brand. But this opinion is subjective. Craftsmanship and SK brand tools are a more accessible to the buying market. For example, Craftsmanship brand tools are stocked at Sears stores, while the SK brand is found in automotive parts stores and outlets.

In summary, if price is no restraint, then tools from the Snap-on range are considered to be the best quality. Where quality and service is still a priority, then brands such as: matco, MAC and Cornwell offer offer quality profession lines of tools as less expensive price points. Finally, the brands SK and Craftsmanship serve the semi-professional market with tools that are not subject to the high demands of daily professional usage. The advice for any buyer is assess the task application of the tool, and allocate your budget to buy the right tool for the right job.

Automotive Dynamic Guide – How to Be Ready to Drive in a Foreign Land

If you are going to be behind the wheel of a new rented car, and in a strange foreign land where you have never driven before, what should you do in preparing to drive?

Just not so long ago, I was in Kuala Lumpur, the capital city of Malaysia, located just north of Singapore. As those of you who have traveled widely to Asia would know, the traffic on the roads in most of the Asian countries is heavy throughout the day, and many times driving habits take precedence over traffic rules and regulations, especially when the searing tropical heat bears down on cool heads, and raise tempers!

Before me was a small locally produced Malaysian car – the Perodua Kancil- named after the tiny deer that can run swiftly through the Malaysian jungles.

And I need to use that car, to brave the heavy traffic of the day to move to the next nearest city of Shah Alam to attend to a business meeting.

Alien to the area, alien to the car- what should I do?

Indeed, when you are confronted with such a situation, what should you do?

Keep cool – and PLAN your journey, and use the car intelligently.

For instance, perform the very, very basic inspection on your car before you even use it. This means:

1. check the tires and their pressure

2. check the engine oil and their brake fluid

3. check the battery

4. ensure the brakes are functioning ( there’s nothing like to take it for a short slow ride to put it to the test! )

Plan your journey- for instance, do not be afraid to ask directions and record them down so that you can always refer to the notes. Plan the timing of your journey – so that you can always drive during the slower traffic periods, away from the maddening crowds in the rush hour traffic. Protect yourself especially your eyes from the glaring tropical sun by wearing light sunglasses. Be properly attired. And wear shoes! The last tip on wearing shoes may seem funny, but when it is perennial summer in the tropics, many visitors, especially those who come from the cooler temperate countries would be tempted to wear only sandals!

And when you go on the roads, observe the speed limits. Do not push your vehicle to the maximum speed limits especially where you are driving along strange highways and where traffic jams are a norm.

In my personal case, I was astonished to see cars doubled parked along busy suburb shopping areas and feeder roads while I cruised my way to my destination. I wasn’t sure whether that was allowable, as the double parking of cars in two rows converted the road into a narrow one way path, leading to congestion at many parts. It sure was a “revelation”!

But in a strange land, where you are not the expert in local traffic rules, it is best to play it save. Drive defensively and plan your travel to ease your journey, and you will enjoy that ride.