Merchant Services
Nov 5, 2009 Credit Cards, Finance, Merchant Services
Every website involved in selling needs to have a merchant service which allows them to accept credit cards. No matter the size of one’s business, having credit card processing abilities makes selling your products or services that much easier. If you run an E-commerce website and do not presently use merchant services, or even if you have a physical store, you should seriously consider using one real soon. If you plan on accepting Visa, MasterCard, Discover, and American Express credit cards, you can use merchant services offered by Got Merchant.
Got Merchant offers free merchant account setup to anyone who wants to use their service. In addition to Internet and E-commerce merchant services, they also offer retail merchant account services that utilize Point-of-Sales (POS) terminals. This is for both wired and wireless terminal interfaces. Now you can begin accepting credit cards on your website or at your physical store using merchant services from Got Merchant. This will help to increase your sales while making it safer for your customers to do business with you.
Tags: accept credit cards, credit card processing, merchant accounts, Merchant Services
Bad Credit? Get a Credit Card Anyway
Sep 10, 2009 Bad Credit, Credit Cards, Loans
The following is NOT a paid post:
How good or bad is your credit? That is what many persons are asked when they go to take out a loan at a mortgage institution, bank, or some other lending agency. Normally, if your credit rating is good, then you are in the money for the loan. If it is bad, then you know right away that you are 99.9% less likely to get it. Now, suppose you need to get a credit card despite having bad credit. Do you think that you would qualify for it, no matter how bad your credit is? Yes you can. There are some great credit card offers available that do not take your bad credit into account. So you can get one easily without any hassle.
The majority of the credit card offers that are available for persons with bad credit have some things in common. Take, for example, the Discover® Card Biodegradable More® Card. If offers:
* 0% Intro APR on Purchases and Balance Transfers.
* No Annual Fee.
* 5% Cashback Bonus®.
* Up to 1% Cashback Bonus on all other purchases automatically.
* Help protect the planet with the new biodegradable Discover Card.
* Card plastic breaks down 99% within five years in landfill conditions.
* $0 Fraud Liability Guarantee.
All the other cards offer similar features, no matter your credit rating. So, if you really need a credit card right away and have good or bad credit, check out the wonderful credit card offers that you can choose from right now and apply today.
Tags: Bad Credit, Bad Credit Credit Cards, credit, credit card offers, Credit Cards, good credit
Credit Card Fraud Scenarios
Jun 23, 2008 Business, Commerce, Computers & Internet, Credit Cards, Fraud, Internet, Living, Scams and Identity Theft, Shopping
This post is for informational purposes and is based on the experiences of persons in the past. Please read it all carefully and pay attention to how easily they became victims of credit card fraud. Learn from the lessons that they learned the hard way:
SCENARIO 1:
This is a new one.
People sure stay busy trying to cheat us, don’t they?
A friend went to the local gym and placed his belongings in the locker. After the workout and a shower, he came out, saw the locker open, and thought to himself, ‘Funny, I thought I locked the locker. Hmm, ‘He dressed and just flipped the wallet to make sure all was in order. Everything looked okay – all cards were in place. A few weeks later his credit card bill came – a whooping bill of $14,000!
He called the credit card company and started yelling at them, saying that he did not make the transactions. Customer care personnel verified that there was no mistake in the system and asked if his card had been stolen. ‘No,’ he said, but then took out his wallet, pulled out the credit card, and yep – you guessed it – a switch had been made. An expired similar credit card from the same bank was in the wallet. The thief broke into his locker at the gym and switched cards.
Verdict: The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them. How much did he have to pay for items he did not buy? $9,000! Why were there no calls made to verify the amount swiped? Small amounts rarely trigger a ‘warning bell’ with some credit card companies. It just so happens that all the small amounts added up to big one!
SCENARIO 2:
A man at a local restaurant paid for his meal with his credit card. The bill for the meal came, he signed it,and the waitress folded the receipt and passed the credit card along. Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person. He called the waitress and she looked perplexed. She took it back, apologized, and hurried back to the counter under the watchful eye of the man. All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card. No exchange of words — nothing! She took it and came back to the man with an apology.
Verdict: Make sure the credit cards in your wallet are yours. Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time. Many people just take back the credit card without even looking at it, ‘assuming’ that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
SCENARIO 3:
Yesterday I went into a pizza restaurant to pick up an order that I had called in. I paid by using my Visa Check Card which, of course, is linked directly to my checking account. The young man behind the counter took my card, swiped it, then laid it on the counter as he waited for the approval, which is pretty standard procedure. While he waited, he picked up his cell phone and started dialing. I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a picture. He then gave me back my card but kept the phone in his hand as if he was still pressing buttons. Meanwhile, I’m thinking: I wonder what he is taking a picture of, oblivious to what was really going on. It then dawned on me: the only thing there was my credit card, so now I’m paying close attention to what he is doing.
He set his phone on the counter, leaving it open. About five seconds later, I heard the chime that tells you that the picture has been saved. Now I’m standing there struggling with the fact that this boy just took a picture of my credit card. Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened. Needless to say, I immediately canceled that card as I was walking out of the pizza parlor.
All I am saying is:
1. Be aware of your surroundings at all times.
2. Whenever you are using your credit card take caution and don’t be careless. Notice who is standing near you and what they are doing when you use your card.
3. Be aware of phones, because many have a camera phone these days.
4. When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off. Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there. I have already been a victim of credit card fraud and, believe me, it is not fun. The truth is that they can get you even when you are careful, but don’t make it easy for them.
Conclusion: I hope that the experiences of the people just mentioned has helped to make you even more aware and alert when using your credit card to make purchases. It is always better to be even a little prepared than not prepared at all.
Tags: beware of credit card fraud, Credit Card Fraud, Credit Card Fraud scenarios, fraud scenarios
Apply Online For Credit Cards
May 15, 2008 Business, Commerce, Computers & Internet, Credit Cards, Economy, Finance, Funding Options, Internet, Lifestyle, Living, Promotion, Recommendations, Residential, Sales, Shopping, Society
I just got my own credit card website and thought you might be interested in checking it out. It is located right here: Credit Card Wishes. It’s a listing of all the best current credit card offers. There are tons of great offers, so if you see one you like do not hesitate to sign up.
Any business you could give my site would be greatly appreciated, and it doesn’t cost a thing! Let me know if you have any questions. In the meantime, go ahead and apply online for your credit card.
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