International Credit Cards With No Foreign Transaction Fees

When traveling abroad, using a credit card can get costly. With the exception of one credit card Company, credit card companies charge a 3% international credit card transaction fee for all purchases made outside the United States. This 3% fee is generally hidden in the fine print of your credit card terms, but unless youre carrying a no transaction fee credit card, youll be paying extra for every purchase you make.

One way to avoid paying international credit card fees is to use your debit card. Although rules and fees vary from bank to bank, many national banks only charge a foreign currency conversion charge when you make a transaction. Unfortunately, there are a number of very major drawbacks to using your debit card to make purchases abroad. First, if someone steals your debit card info, your bank account may depleted before you realize it. This can lead to overdraft charges and other issues. Secondly, if your debit card is stolen, the funds that should be available to you in your bank may not be available for a substantial amount of time as the bank investigates your claims.

Clearly, this scenario could prove a nightmare. Imagine being stuck abroad with no available cash and returning home to spend weeks waiting for funds to return to your bank account.

Avoiding this scenario by using a credit card is must do. If your credit card is used fraudulently, you can contest the charges immediately and the money in your bank remains safe. Of course, paying a 3% fee for international credit card usage can cause a problem. However, simply apply for a credit card that charges no foreign transaction fees and you avoid excess fees and prevent all the issues that can arise when you use your debit card.

In addition to charging no international transaction fees, the same credit card company offers high limit credit cards. High limit credit cards offer consumers credit limits in excess of ten thousand dollars and, in many cases, up to twenty five thousand dollars.

Traveling abroad without a no foreign fee credit card can be more expensive and, in worst case situations, nightmarish. Using a debit card can obviously create some serious, time consuming and unnecessary financial headaches. Paying a 3% fee is generally worth avoiding the potential headaches, but since it is possible to avoid this fee, the best option is to apply for a credit card that doesnt charge a 3% international transaction fee.

Tips to Avoid Credit Card Debts this Holiday Season

Christmas, the season of gifting and sharing is just a whiff away. Take care not to over spend with your credit cards or you could end up paying debts for the next few months. That’ll mean a lot of sacrifices like many weekends with no entertainment, missing on favorite movies and zero shopping for the months to come. To avoid piling up debts this holiday season, take a look at what you can do:

1Start saving in advance Start saving a certain amount per month, so you’ll be well cushioned to pay your bills.

2Have just one card The more cards you have, the more debts you’ll have. Before you buy one compare credit card rates and keep the right kind of card that suits your need with low interest rates. Most of the store credit cards are not as useful as they seem to be. Their interest rates are way higher and sometimes they force you to purchase in those stores just because you have the store credit card.

3Pay more than the minimum payment Some people think that the amount specified in the ‘Minimum payment’ was all that the card issuer expects from them. Minimum payment means that the user would not be charged any penalty but interest rates will be charged for the unpaid dues. Assuming that your credit card bill stands at $500 and the minimum payment is around $50. If you cannot pay $500 in full but can cough up a payment of $300, it makes sense to do so. Hence the next month the interest will be charged only on a sum of $200 ($500 minus $300 that you paid off) as against $450 if you had paid only the minimum due amount.

4Talk your way Whoever said ‘Ask and it shall be given’ was really right. If you are almost drowning in debt then it’s better to come out clean with your position to your credit card issuer rather than sit and sulk. Explain to the executive as to how good a customer you’ve been with regular payments and a decent credit history. And you get a slight reduction in your interest rate

So that sums up the four point agenda for this holiday season. Since holiday debts have become a sort of ritual with Americans, many websites like BillShrink.com offer a lot of suggestions and tools to compare credit card interest rates and reward points. Make sure to check out such sites to help plan your holiday shopping better.

Safe And Affordable Credit Card Transactions Processing Solution

Perhaps you can’t tell at first glance, but credit card transactions processing is a very involved process. It involves many players, besides just the credit card holder. Once they swipe their card, the information goes from the merchant to the merchant bank. It then goes to the credit card network where the card issuer either approves or denies the transaction. The result then goes back to the merchant bank, which passes it on to the merchant. To think that all of this happens in just a few seconds!

The debit card payment process is similar, except that if the card holder uses their PIN number, the request goes straight to the cardholder’s bank to check whether or not there is enough money in their account to cover the cost of the transaction.

Using a debit card without a PIN number is called an offline transaction. Using a debit card with a PIN number is called an online transaction. Offline transactions are the way that most merchants process debit cards, though smaller businesses benefit from processing online transactions. This is because an online transaction incurs a flat rate fee, while most online transactions incur the flat rate fee plus a percentage rate. The same percentage rate applies for all credit transactions.

Credit Card Transactions Processing and the debit card payment process are meant to be quick and convenient. Every merchant should have access to these services. Today many people use credit and debit cards for every day purchases, and they expect merchants to have systems in place to process their credit and debit card transactions.

This makes low cost credit card processing very important to today’s merchants. Running a business can be costly, and adding too much overhead can be detrimental to your bottom line. You also don’t want to spend money on credit card transactions processing services that don’t live up to your expectations. You need an easy to use system that will work when you need it to.
Low cost credit card processing is important to every business.

It’s hard to imagine a business that doesn’t process credit and debit transactions. Yes you could direct your customers to the nearest ATM machine, but this inconvenience to your customers could possibly lose your business. Don’t put off getting credit card transactions processing any longer, especially since it’s quite affordable for businesses of all sizes. The amount of money you pay for credit card payment processing pales in comparison to the advantage in keeping your business up to date when it comes to payment options.

Advantages of Credit Card Payment Solutions for Business

Consumers today often prefer to pay via credit or debit card. It is vitally important for any business to they make it easy for customers to pay for goods and services. To get set up to receive credit card payments a business needs to research reliable credit card payment solutions. These are also known as merchant payment solutions. These services are necessary because businesses cannot accept credit or debit cards without going through a third party card processing company. Optimal vision payment solutions can be a real asset for a business in need of advanced options.

What to Look for When Researching Payment Processors:

There are many companies that offer Credit Card Payment Solutions to the business community. It is important to note that these services vary greatly. Selecting the best solution for a particular business requires due diligence in researching specific aspects of services provided. It is smart to compare services to see which company offers the highest quality with lots of extras.

Flexibility:

When comparing vision payment solutions with other top services one important factor to look at is flexibility. Businesses competing for every consumer dollar require multiple payment options that are simple to set up and implement. Customers want to pay quickly and easily. It is widely known in the merchant world that consumers are quick to abandon their intended purchases when they come across obstacles to payment.

Advanced card payment solutions include online credit card processing:

Credit cards are a great convenience to consumers and many prefer paying with plastic. Merchants should be able to set up traditional merchant card processing for brick and mortar as well as online processing. Some consumers still prefer to pay by check. Select payment services that provide e-check and direct bank transfers.

Service Fee:

Another thing businesses look for in a good payment processor is affordable service rates. There are some fees associated with setting up and managing an account. Find out what the fees are and seek out vendors that offer competitive rates. Avoid those that tack on high service charges to every transaction. These will add up quickly. Monthly service charges should be reasonable. These fees fluctuate so be sure to discuss how much they charge based on estimated volume.

Security:

Each time a customer uses their card to purchase something whether it be online or offline they are trusting their personal information is protected. Credit card payment solutions always involve security risks. The best payment processing companies will have strong security measures in place to protect consumers against fraud and theft.

Finding the best credit card payment solutions should be easy once a business does their due diligence. The best card processing service provides advanced options, affordability and great security.

AARP Credit Card – The Perfect Card For Retirement

When I first saw the name Aarp (exactly in this format) I thought it was a typing error, I’ve since learnt that it is an acronym for the American Association of Retired Persons (AARP). I guess because I am not retired the name was unfamiliar to me but since completing the research for this article, I have been educated.

There are many fascinating aspects to the association, and yes I know you are interested mainly in the AARP credit card, so I’ll get on with what I found.

About the AARP Credit Card

The cards are issued by Chase in association with the AARP and what I like about them is that you have two options to use and enjoy the AARP services. You also have the option to choose your own credit card design to make the card more personal.

The choice of cards and the benefits are as follows:

AARP Travel Plus Visa Signature card

Features: Annual fee of $59 0% introductory APR reverting to 14.24% 0% Balance transfer for 12 months Earn 1 point for every $1 in card purchases. Earn up to 100,000 points annually with no monthly minimum.

This is just a taster of the benefits available with this AARP credit card. This is an airline rewards card and would suit the retired jet setters best. The rewards program is quite good compared to other offers on the market, so it is definitely work looking into.

If flying is not your preference but you still want to enjoy great rewards, the next AARP credit card would interest you.

AARP Rewards Platinum Visa card

Features No Annual fee 0% introductory APR reverting to 14.24% 0% Balance transfer for 12 months Earn 1 reward point for every $1 spent on card purchases Redeem points for cash or gift certificates

There are numerous vendors at which you can redeem your points, so no matter what your taste or preferences, you would be sure to find uses for the points you accumulate.

This AARP card has extra bonuses such as the ability to pick your own payment due date, and access to the 24 hour members-only helpline. In addition you won’t receive any telemarketing calls regarding your account, so that is one less disturbance to deal with.

To add to your convenience you can manage your account online and even use your AARP credit card to pay your federal taxes. Take a look at the “preferred services” available from AARP to find out more. There are so many offers that can help you save money ranging form road side assistance to shopper’s advantage.

The AARP credit cards are packed with benefits too numerous to cover in this short article.

You can review other rewards credit cards and airline rewards credit cards on the market to compare the rates and benefits that are available and choose the card that best suits your circumstances.

Hsbc Credit Card In Dubai A Must Have

Dubai is counted among some of the richest economies in the whole world. Dubai has a much higher per capita income in comparison to various other countries. At present, no one wants to carry large amount of cash with him. Credit cards are a great way to pay at various places. Credit cards provide freedom to people with respect to move without carrying large amount of cash with them. There are a large number of credit card users in Dubai.

Most of the credit card holders in Dubai prefer to use visa credit cards. There are a lot of benefits associated with using a credit card having a Visa logo. Visa credit cards are accepted at most of the restaurants, hotels, shopping outlets etc. It is very rare that some famous restaurant or hotel in Dubai does not accept payment through a visa credit card. People take visa credit cards as a status symbol now days.

HSBC credit cards are also very popular in UAE. Various people in Dubai are availing the great services of HSBC credit cards in Dubai. These cards provide various advantages to the customers. You will get a lot of cash back and other schemes with HSBC credit cards. There are various types of credit cards offered by HSBC in Dubai. HSBC Premier credit card, Platinum visa card, Gold credit card, Classic credit card are some of the credit cards offered by HSBC in Dubai.

The cards are categorized according to their credit limit. Usually the bank offers credit cards with high credit limit to its old customers who have a history of huge money transactions through that bank. With time, banks increase the credit limit on your existing credit cards. HSBC Amanah Credit Card has become very popular in UAE. HSBC credit cards are made after understanding the requirements of the credit card users in UAE. This is the main reason behind the success of HSBC credit cards in Dubai.

What should you do if you have credit card debt

Yesterday I read some worrying news that credit card spending is still increasing dispite the past 12 months warning we’ve had in the form of the credit crunch.

UK consumers are using credit cards as means of day to day living, so using their credit cards every month just to ‘get by’ with the increased cost of living. Unfortunately the Bank of England has announced they expect inflation to continue rising in the UK and expect it to hit 5.5 per cent before the end of 2008. This level of inflation has not been experienced in the UK for well over 20 years.

Unfortunately people will continue to struggle to make their finances stretch and it looks as though people are already turning to credit cards as a means of survival.

If you already have credit card debt the best immediate action you can take is to transfer the balance onto a 0 per cent balance transfer deal. There are plenty of cards on offer and I’ve described 4 of the better cards on offer in the UK on my blog yesterday; thefinancialblog.co.uk One thing to consider is the balanace transfer fee the credit card provider will charge you. This is a set charge, usually a percentage of the total ammount you wish to transfer. For example, if you transfer 5,000 to another credit card the provider usually charges from 2.98 per cent to 3.5 per cent, so you will be charged from 149 to 175. The balance transfer fees vary from provider to provider so make sure you find out exactly how much you will be charged.

The benefit of transferring a balance to one of these credit cards is that the provider offers you 0 per cent interest for a specified time period. The longest 0 per cent deal in the UK today is 15 months. So you have well over a year of no interst, of course you still have to pay the monthly minimum ammount, but interest on a balance of around 5,000 can be as much as 20 or more.

If you are really struggling to clear your credit card debt and, as many people do, you’re using one credit card to pay off another, then now is the time to seek professional debt management advice. If you are unsure where to start looking for good, free debt advice then contact your local citizens advice bureaux; details of which can be found online or in your Yellow Pages. Take action today.

Virginia writes for the Virgin credit card. Thevirgincreditcard.co.uk is still one of the best UK credit cards and offers 0% on balance transfers. The Virgin credit card could be the perfect solution if you have other credit card balances to transfer. Get 0% on balance transfers for 20 months! With the Virgin credit card, you could get an instant decision today!

Use And Misuse Of Credit Card True Facts

Credit card is the plastic money popular among 3G (thirds generation) people. It generates cash quickly. People can shop even when they do not have cash in hand or account. This card is a method to raise small loan that depends on your monthly earning. It is similar to debit card but the difference is that in case of debit card you can shop only when you have amount in your bank account but in credit card you can shop without cash in your bank account. You can pay the amount later. The time for payment is limited by the credit card producer and late payment invites fine. Also in debit card payment interest is not charged and in credit card you have to pay some interest. There are both negative and positive shades of all things. There are both use and misuse of credit card. Let us know the true facts related with credit card.

Use of Credit Card:
One can accomplish the urgent tasks even when there is no money in the account.
One does not need to take loans on higher interest rate from anybody in the financial crisis situation.
The credit status of the person will not be tarnished among relatives and friends. One can maintain the usual monetary needs even when people do not have cash in hand.
One needs not to carry cash in hand all the time.
One can take instant decision to shop any item.
People are not forced to apply break on their needs and choice.
Wireless Credit Card has added wings to peoples dream. People can shop anywhere at anytime. Wireless terminal is good for online marketing and remote marketing. Terminal is a machine that read the encoded magnetic information to make the payment. This terminal help in credit card processing and regulate the plastic money payment.

Misuse of Credit Card:
Sometime people shop unnecessary items when they have credit card. This becomes the source of useless expenditure.
You have to pay more amount than the actual cost of the item. You have to pay the interest.
You get the burden of paying the credit card bill. If you do not settle the bill in limited time then you will be levied penalty for the same.
Your expenditure is likely increase when you have credit card in hand.

These are the use and misuse of the credit card. Hope you will make right and needy use of your credit card. You must have confusion about the settlement of the credit card. These processes are related with Merchant Services. There is a merchant account that is opened with the agreement of bank and the retailers providing facility for credit card payment. This account looks after settling the credit card payment.

Rent A Credit Card Embossing Machine

Perhaps you’re participating in a trade show where you’d like to accept credit cards, or maybe you’re running a promotion at your business. If you normally only accept cash and checks, it might be best to rent a credit Card Embossing Machine for special occasions rather than buying one that you may never need again.
Difficulty: ModerateInstructions
Step 1Determine whether you would like to rent a credit Card Embosser on a long-term or short-term basis. The difference in price will be significant, and many rental companies specialize in one or the other.
Step 2Decide whether you should obtain a merchant account separately or let a rental company set one up for you. The biggest factor here is price, and it is sometimes cheaper to obtain a merchant account — which allows you to accept credit cards as payment — from a third party rather than paying for it at the rental company.
Step 3Research places in your community where you can rent a credit Card Embossing Machine – Card tipper. It is often best to handle this rental locally so you can be assured great service rather than ordering a machine online or over the phone. However, make sure you research rates for both types of rentals.
Step 4Determine what type of equipment you will need. Some rental companies will provide you with a terminal that accepts all credit and debit cards, including those that require a PIN. Others will have a more limited selection, so you must decide in advance what you’re willing to sacrifice for cost.
Step 5Ask for quotes on exact rates and fees that you will be charged when you rent a credit Card Embossing Machine. This will include a daily, weekly or monthly flat rate, in addition to a per-transaction charge that can vary widely depending on what company you choose. Some rental companies will guarantee an equal or lower rate than others, so make sure to do your homework.
Step 6Verify that you can rent a credit Card Embossing Machine for a limited time, and that the machine will be delivered when you order it. Late deliveries mean lost profits, and you don’t want to sign a long-term contract when you don’t need one.
Step 7Consider renting a credit Card Embossing Machine that takes gift cards if you plan to give them out. Such equipment may cost more, but it will allow you to process a greater variety of transactions with more accuracy. In many cases, this is easier than passing out gift certificates.
Step 8Request a wireless credit Card Embossing Machine specifically if this is what you think you will need. A wireless machine will process credit and debit card transactions without being connected to a computer. This is particularly handy if you are running a trade show or other off-site promotion for your business.

Smart Ways To Use A Credit Card

Aren’t you sick and tired of hearing how “bad” credit cards are and that we should all just cut them up and start living on cash again. Although this sounds nice in some ways, the reality is that we live in a consumer society and credit cards have become a major part of life. The problem is when people don’t know how to use credit cards. Credit card debt is no joke and it can suck you in like quick sand. You can blame credit card companies all you want but in the end its your responsibility to be smart with your money and your cards.

Credit cards do have a positive role to play in personal finance. If you are smart with it, it can help you better manage and spend your money and it can give you the financial leverage when you need it most. Here are 3 smart uses for credit.

1. Emergencies

I do not recommend or encourage anyone to live on credit. its a recipe for disaster. Instead, the best way to use your credit cards is to use it as backup. We all have financial disasters that usually hit at the most inconvenient times. If you don’t have life savings to fall back on then it can really hit you hard. Having a card as a backup can really be a lifesaver and at a fee of about $50 a year, it’s well worth the security that it provides in case you need it.

2. Controlling Your Spending

One of the reasons why so many people fall deeper and deeper into debt is because they get caught with their pants down – so to speak. They spend and spend and then fail to make the minimum payments. When interest starts kicking in, its usually already too late and you start sinking. The smart way to use your card however is to pay it off in full every month. Its a great way to control your spending and to now exactly how much you are spending on what. It works really well if you dedicate specific expenses to a specific card – like your groceries. However, the secret is to pay it off in full every month.

3. Large Purchases

One of the reasons why businesses like to use credit cards is because it allows you to conveniently make large purchases – even on the internet. We can all get cards with relatively high credit limits and if you have to make large purchases for say a building project or if you buy a lot of stuff online, then its ideal. Once again, the secret is to clear this debt each and every month. On large purchases, the interest can be just as large so make sure you wipe the slate clean every month.