No merchant may store your credit card details without your express permission. Credit Card Processing Industry regulations (PCI) forbid retailers from storing any authentication data – like the security code on the back of Visa, MasterCard or American Express cards. Some clerks still write phone numbers and addresses on credit card sales slips as “store […]
22
May
May
Bank of America Unlimited Cash Rewards and Customized Cash Rewards credit cards both provide cardholders with generous cash back rewards. While the Unlimited Card provides a flat rate reward structure, the latter tiers its rewards accordingly. Cardholders may choose between direct deposit to their checking or savings accounts at Bank of America or credit towards […]
22
May
May
James is contemplating taking out a payday loan from Diane. However, Diane wants him to pay an interest rate which exceeds legal maximum. James can take action against Diane by nullifying his loan contract and recovering double or even triple the usurious interest paid. Laws differ depending on which state banks are in. Banks can […]
22
May
May
The Instacart Mastercard is the first co-brand card available in on-demand delivery, and provides an excellent rewards rate and sign-up bonus. Furthermore, redemption flexibility is relatively rare among no annual fee cards. Cardholders can use their rewards for direct deposits or statement credits, and even use them to place Instacart orders. Furthermore, they can earn […]
22
May
May
Both Blue Business Cash and Plus cards provide valuable rewards, but each comes with distinct advantages for your business. When selecting the ideal card for you and your staff, consider your preferences for flexibility of points versus cash back rewards. Both cards offer American Express Membership Rewards points that can be redeemed for flights, hotels […]
22
May
May
Capital One Spark Cash Plus card is tailored specifically to high-volume business spenders. It comes with an attractive welcome offer and many perks including employee cards, roadside assistance coverage and extended warranty coverage. However, the $150 annual fee might be an obstacle for small businesses considering applying. So is this card really worth investing in? […]
22
May
May
Maximizing cash back with your credit card begins by finding cards tailored specifically to your spending patterns. Combine a flat-rate card with one offering bonus categories in order to increase earnings potential and optimize earnings potential. Always pay your balance off monthly to avoid interest charges that could quickly reduce rewards and accrue. Also consider […]
22
May
May
Understanding how credit card interest works can help you more efficiently manage your debt. It is crucial to remember that interest charges occur on an ongoing basis rather than being applied annually. Calculating daily interest is straightforward: start with your total balance at the end of your billing cycle (excluding fees and charges) then divide […]
22
May
May
Capital One Spark Cash Plus stands out by awarding 2% cash back across all spending. In addition, it comes with an attractive sign-up bonus and multiple redemption options. As this card is a charge card, its balance must be settled each billing cycle or you risk incurring fees and incurring charges. This may not work […]
22
May
May
American Express Membership Rewards points can be redeemed in many ways, but their most advantageous use lies with travel partners of American Express – particularly airline and hotel loyalty programs that convert at 1:1 ratio. Use points to give back by making charitable donations through JustGiving, although only do this if it makes sense for […]