“We accept credit cards”

“We accept credit cards” is a statement that you must have come across multiple times at various shops, grocery stores and other merchant outlets. This statement is generally accompanied by a few stickers (Visa/Master card etc).

Credit cards have transformed the businesses and our lives to a great extent. A few years back there were just a handful of shops that would accept credit cards but today you will find that most of the shops accept credit cards. In fact, some shops (like those belonging to a big retail chain) not only accept credit cards but also supply credit cards. These credit cards entitle you for rebates when you use them at any of the stores of that retail chain.

With credit cards around, a lot of people have stopped carrying any cash with them or just carry a very small amount of cash with them. That means that any shop that doesn’t accept credit cards is potentially losing customers. In fact, this is one reason why almost every merchant accepts credit cards.

With the evolution of internet, credit card industry too took a new turn and up came ecommerce and e-shops. So, those stickers of “We accept credit cards”, moved on to the doors of internet shops. Thus came the era where almost every online-shop would accept credit cards (directly or indirectly). In fact, this was the premise on which the complete online-business industry was based. This is convenience at its best.

Fraud is associated with almost every financial instrument. So there came fraudsters too, who too said that “We accept credit cards”. These fraudsters use a lot of techniques to commit credit card related fraud. Some of them disguise themselves as online merchants who accept credit cards as mode of payment (the actual motive being extraction of critical credit card details).

Others are people who work at merchant shops that accept credit cards. These fraudsters either clone the credit cards or just note critical information from them (and use that for online-shopping). Some other fraudsters lure innocent people into revealing credit card details in chat rooms.

And then there are tech-savvy fraudsters who use computer programs/softwares/devices (called spyware) to spy on the people who use their credit cards for online payments. The spyware capture their credit card information and get it transmitted to the spy using internet.

So a lot of merchants and service providers do accept credit cards but keep in mind that the fraudsters too welcome/accept credit cards. This is something you surely need to be careful about.

What do you mean by a ‘secured credit card’?

Secured credit cards are another very popular breed of credit cards. Secured credit cards, as their name suggests, are secured. Well, they are secured for the credit card supplier, really. Secured credit cards require you to open an account with the credit card supplier and maintain some cash balance in that account. This cash balance acts as a security for the supplier of secured credit card. Your credit limit is dependent on the amount you hold in the account that you have started with the supplier of secured credit card. This is generally between 50 to 100% of your account balance. So in that sense, secured credit cards are not really credit cards (since they don’t offer you any credit really). For this reason, the secured credit cards are sometimes also referred as debit cards.

Why is the concept of secured credit cards so important?

As we know, credit card debt is a raging problem which is caused by improper usage of credit cards. Such people end up spoiling their credit rating to an extent where they cannot get another unsecured credit card (that is what we call the commonly used credit cards). Even after they have paid off their dues and cleared their debt, their credit rating still haunts them. For such people, secured credit cards are a boon. Secured credit cards present them with an opportunity to not only get a credit card in the first place but also to improve their credit rating by using the secured credit card in a disciplined way (paying their dues in time, controlled spending, utilizing a maximum of 70% credit limit etc etc). As they continue with these good habits, their credit rating gradually improves over a period of time. Hence secured credit cards provide them with the means of rectifying their mistakes (credit rating).

It’s not just the people with bad credit rating who go for secured credit cards. Some people go for secured credit cards because they don’t want to bother themselves with the bills etc for credit cards. They don’t like to even fill-up application forms for unsecured credit cards.

Then there are some who just don’t like to borrow money (even if it means borrowing from a credit card supplier by using their credit card). However, such people are very rare to find.

Some people just go for secured credit cards because they have heard a lot of horrifying stories on credit card debt – maybe someone from their family or one of their friends was devastated by credit card debt and they don’t want to repeat the mistake. So they decide to go for a secured credit card.

Whatever be the reason for going for it, the secured credit cards are surely popular too.

What is a Credit Card?

Put simply, a credit card is just a small piece of plastic that easily fits in your wallet. Well, it’s not ‘just a piece of plastic’; it’s a very powerful piece of plastic which can be regarded as a compressed form of cash. We can define credit cards as a credit system that allows the consumer to borrow money on the fly from a bank or a financial institution and use it to make payments to the merchants.

In order to obtain a credit card, the consumer needs to fill-in an application form that is actually like an agreement between the credit card supplier and the credit card consumer. The credit card supplier approves the application form and provides the consumer with a small piece of plastic (i.e. the credit card).

This plastic (or credit card) contains electronically encoded security information in the form of a magnetic strip (which is generally located at the back of the credit card). This information is used for authorising payments whenever the consumer uses the credit card. The consumer can use the credit card for shopping at merchant outlets or on the internet etc.

Of course, this is subject to merchant’s capability to accept credit card payments. Accepting the credit cards is, however, not enough. The merchant should be able to accept payments made through the credit card provided by that credit card organization (of which you hold the credit card) i.e. VISA, MasterCard etc. You can also use credit card to withdraw cash from ATMs (automatic cash machines) – also known as cash machines or Day/Night machines.

There are eight main credit card organisations and most of them operate in a lot of countries world wide. These are American Express, Citi, Diners Club, Discover, JCB, MasterCard and VISA. Master card and VISA are probably the most popular ones. Then there are credit card suppliers or issuers who have tie-ups with these organisations and issue credit cards on their behalf e.g. you have various banks that issue VISA cards (like HSBC VISA card)

To make a payment using a credit card, the credit card has to be either swiped into special credit card processing machine (when shopping in person at shops) or the details of the credit card have to be entered on the merchant’s website (when shopping online).

The credit card supplier sends across the bill for these transactions to the consumer who is then required to pay either the full amount or a partial (minimum) amount. If you pay in full, the credit card supplier doesn’t charge any interest on the amount you owe, otherwise the pre-agreed interest rate is charged.

If you don’t pay even the minimum, you might land up with a late fee too. Moreover, the credit card supplier generally puts a limit on the maximum amount you can spend per month using your credit card.

Invest Your Money in the Right Online Game Provider

People need to have income to cover up his needs. There are some people who investing their money in stocks, and many people investing their money in business. For those who like online games, they are mostly thinking of investing their money for the game.

There are hundreds of online games providers in the internet. When you are willing to play the game with your real money, you will need to master the game. Make your maximum effort to win it. Playing such an online game can give you a chance to be a sudden rich man. But if you loose, you can be suddenly poor too. The wrong decision in playing the game can cause such a terrible thing.

Choosing the right place to play an online game is important. You will need some resource to choose the right place among the hundreds of online games providers. The site of Free Bingo will be great. You can get the information you need to play the game. The reviews of online games providers are helping you a lot in choosing the right place to play. You can also play a Free Bingo game here.

One of the most useful information from the site is about blacklist online games. This is a must know information for you. Reading this information from the site will allow you to stay away from the unprofessional and fake online games providers.

The site also giving us Free Bingo games services. These services will allow us to play a free game while testing our ability. You don’t have to use your money for it, so you won’t loose any money here. When you think that you have mastering the game, you can try the real game with the real money. There is one interesting thing in the game. You will have a chance to win the big fantastic bonuses. Play the game well and get it.

Great Guide to Win the Online Games

We’ve talked about making a good credit card deal in my previous post. Making a good deal in each aspects of life is good for us. This is helping us to become a winner in every step we make.

Playing Casino which involving real money will needed a good plan to win. Become the winner of the game will give us both satisfaction and great amount of money. If you are willing to be the winner in online game, then you have to learn and mastering the game well.

When you are looking for some information about it, you can browse the internet and open the site of Casino. This is your great resource for online game advices. They will give you the advices for free. You can learn about many types of online games.

Looking for the best place to play is a must. Make sure you are playing in a reputable and secure online game provider. Since there are thousands of online game providers, you will need some reviews about them. In this site, you can get it for free. Just browse the site and you will find many reviews of online game provider. This will help you to find the best place to play Casino.

You can find many useful tips about the game. The betting tips on the site will give you a bigger chance to be the winner. If you have a limit cash to play, you can keep on playing and even win it. Just think about how much do you want to win and how much your lose limitation. You can find the next step to win the game on the site. This case is just a sample of what the site offered.

Remember, making a good deal by using a good plan in playing the game is important. When you are using your real money to play the game, you have to try to use the best plan to win. Otherwise, you will regret it.

What is a ‘good credit card deal?

You must have heard people say – ‘I got a good credit card deal’. So if you happen to be looking for a credit card at that moment, do you just go with what your friend has told you as a good credit card deal?

Let’s check what one can term as a good credit card deal. A credit card deal is good if it works for you. So, if the credit card fits into your lifestyle in a way that rakes in maximum benefits for you, that is a good credit card deal.

The most important thing to realize here is the word ‘your’ as in ‘your lifestyle’. So logically speaking there is nothing like a good credit card deal. What it is - is good credit card deal for ‘you’ i.e. the individual who is going to use that credit card.

This is because the lifestyle and the needs differ from person to person (and that is precisely the reason why every credit card supplier offers so many different kinds of credit cards). It might be true in some cases (where the lifestyle of two individuals/friends is similar) that the credit card deal which is good for one be good for the other too, however, this is just in a few cases.

You can always check with your friend who has recently got a credit card deal, since that might cut down the time needed for researching/hunting-for a good credit card deal. However, it’s really a matter of evaluating your own needs.

If you travel a lot and to far off places by air, a card that offers you good rewards/rebates/benefits on travel would comprise a good credit card deal. Sometimes the airlines themselves have their own credit card issuing/supplying company from where you can get a good credit card deal.

For people shopping at a particular retail store or a shop, a good credit card deal would be a card that offers discounts, rebates and rewards on shopping. Again, the retail stores themselves might have credit cards on offer that could be beneficial to you. Then there are credit card deals that are linked to gasoline stores or big grocery chains.

If you don’t have any specific needs, you might use a general purpose credit card that gives reward points on every purchase you make on your credit card. These points can then be redeemed for cash/rewards. Hence, this card could become a good credit card deal for you.

Good, for credit card deals, is really a relative term and there is no credit card deal which is equally good for all.

Manage Your Funds Well and Win The Games

Doing everything seriously is a must. Even less if this is relating with money. We must be wise in managing our finance. Giving plots aloof to each of our need is a must. Plot for investment, plot for savings, and plot for consumption are some of important item. All plots must be balance. But, if it is possible it would be much better if we can have more funds for our investment. This is good for our future and of course for our family’s future.

If you are always trying to be serious in every single thing especially when it is related to money, then you have to be serious if you are playing bingo. You will need all information about bingo so you can beat the game and of course, bring many cash.

The online bingo site is your great resources for finding the variety or bingo provider. So, you can easily find the best place to play the game online.

Leave you old traditional way to play the game. You can get many benefits from playing the game online. In online bingo game, you can avoid the smoke filled rooms, you can play the game anytime you want to and you don’t have to ride your car or taxi to play the game. These will safe some of your money, right? Beside, you can play with people from all over the world and chatting with anyone you are playing with.

The reviews of the best bingo online sites will help you in choosing the right place that offering big bonuses to you as a player.

Before you play the game with real money, you can play free bingo on the site first. When you think that you have mastering the game, then you are ready to play. Remember, the game is involving your real cash. So, you have to be serious in playing the game.

Be The Professional Player with Bjstats.com

Be professional in every aspects of life is great for us. Be professional in managing our investment and our income will give us a better chance to live and have a controllable expense. By controlling our expense we will be able to distribute the unnecessary expense into our savings account.

Professional in playing online game is also important. Furthermore, if you are involving some real cash on it. Professional in playing Blackjack Online Casinos means that we have to understand the rules of the game well and have a special strategy to win it.

Choosing the right place to play Blackjack Online Casinos is also one of professionalism. You will need some information about the right, perfect and professional place to play your game.

There is one great source for it. It is the site of bjstats. In this site you will be able to look for the best, perfect, professional and reputable place to play the online game. Most online game provider has been approved by their professional team.

They make the review of each reputable place and their reviews can help you to decide where you are going to play the online game.

If you still have difficulties in playing the online game, just browse the site and learn about how to play the game and of course how to win it. Remember, understanding the game well will give you a bigger chance to win the game.

Understanding the rules of the game is important too. They will guide you well so you will have a chance to master the game. Mastering the game means having great strategies to beat your rivals. Once you have mastering the game, it will be easier for you to win the game.

Well, now you understand that being a professional man in every aspects of live is good for us. So, no matter how hard it is, just try to do your best and be professional with it. Then, you will enjoy your great success. Good luck!

How to Know When to Sell Your Stocks

While quite a bit of time and research goes into selecting stocks, it is often hard to know when to pull out – especially for first time investors. The good news is that if you have chosen your stocks carefully, you won’t need to pull out for a very long time, such as when you are ready to retire. But there are specific instances when you will need to sell your stocks before you have reached your financial goals.

You may think that the time to sell is when the stock value is about to drop – and you may even be advised by your broker to do this. But this isn’t necessarily the right course of action.

Stocks go up and down all the time, depending on the economy…and of course the economy depends on the stock market as well. This is why it is so hard to determine whether you should sell your stock or not. Stocks go down, but they also tend to go back up.

You have to do more research, and you have to keep up with the stability of the companies that you invest in. Changes in corporations have a profound impact on the value of the stock. For instance, a new CEO can affect the value of stock. A plummet in the industry can affect a stock. Many things – all combined – affect the value of stock. But there are really only three good reasons to sell a stock.

The first reason is having reached your financial goals. Once you’ve reached retirement, you may wish to sell your stocks and put your money in safer financial vehicles, such as a savings account.

This is a common practice for those who have invested for the purpose of financing their retirement. The second reason to sell a stock is if there are major changes in the business you are investing in that cause, or will cause, the value of the stock to drop, with little or no possibility of the value rising again. Ideally, you would sell your stock in this situation before the value starts to drop.

If the value of the stock spikes, this is the third reason you may want to sell. If your stock is valued at $100 per share today, but drastically rises to $200 per share next week, it is a great time to sell – especially if the outlook is that the value will drop back down to $100 per share soon. You would sell when the stock was worth $200 per share.

As a beginner, you definitely want to consult with a broker or a financial advisor before buying or selling stocks. They will work with you to help you make the right decisions to reach your financial goals.