Monthly Archives: February 2020

Compare Credit Cards – Excellent, Good, Fair, Poor Credit

In the post industrial world, it is very difficult to get by without a credit card. Even if you have cash on hand, you often cannot check into a hotel or rent a car without providing a credit card. However, all credit cards are not created equal. It is wise to compare credit cards to attempt to obtain the best possible rates as well as perks that are relevant to you. Nonetheless, the options for credit cards that are actually available to you may vary widely according to whether you have excellent, good, fair or poor credit scores.

Major Credit Score Levels

The most commonly used credit scores are those generated by Fair Isaac Corporation, and which are called FICO scores. FICO scores range from 350 to 850, with higher scores corresponding to better credit levels. Exact categories vary by creditor, but in general, FICO scores fall into four ranges: Excellent, Good, Fair and Poor. Excellent scores are generally 750 and above. Good scores range from 660 to 749. Fair scores range from 620 to 659. Scores below 620 are generally considered to be Poor.

Your credit rating and your FICO scores have a major influence on whether you are able to obtain credit cards as well as the interest rates you must pay. Likewise, the terms and perks that are available to you vary according to your credit scores. As you might expect, the best credit cards are available to those with Good or Excellent credit, while individuals with Poor credit often have few credit card options available.

Cards for Excellent Credit

If you have excellent credit, you have your pick of credit cards. Depending on your preferences, you can choose cards with no annual fee or cards with low interest rates. If you travel extensively, a credit card that is affiliated with a major airline may provide useful perks, such as free checked baggage or early boarding. If you prefer to receive cash back or rewards from your credit card, the rewards levels offered for cards that are available to you are more generous than for anyone else. If you are stuck with a balance on a card with a high interest rate, a card that offers interest free balance transfers may represent significant savings for you. You will also probably qualify for zero percent interest rate credit cards, which can also represent significant savings. Your main concern is to avoid getting in over your head, which could jeopardize the excellent FICO score you worked so hard to build.

Cards for Good Credit

With Good credit, airline affiliated credit cards may be out of reach for you, unless your FICO score is on the high end of the range for Good credit. However, you still have a number of attractive options open for you. For instance, many merchants that offer cash back and reward credit cards readily welcome your business. You may also qualify for zero percent interest rate credit cards, if you are willing to shop around. Balance transfer cards may also be an option, although the interest rates that you are able to obtain are probably less attractive than interest rates for balance transfer cards that are available to customers with Excellent credit.

Cards for Fair Credit

If your FICO score falls in the range for Fair credit, you are unlikely to qualify for airline affiliated credit cards, zero interest rate credit cards or balance transfer cards. However, the odds are better than average that you can qualify for a cash back or rewards credit card, especially if your FICO score is at the high end of the Fair credit category range. You may also be able to negotiate a reduction in the interest rates for your credit cards after several months or a year, if you maintain a consistent record of on-time payments.

Cards for Poor Credit

If you have Poor credit, obtaining any type of credit card will be a challenge. If your FICO score is over 600, you may be able to qualify for an unsecured card; however the card will probably carry a high interest rate and hefty fees, yet have a very low credit limit. It is more likely that you will have to settle for a secured credit card. You should compare credit cards secured versus unsecured and make an honest assessment about which card represents the best deal for you. The good news is that with time and a good payment record, you will eventually qualify for unsecured credit cards with a decent interest rate.

Considering Pre-Paid Credit Cards

Pre-paid credit cards are available from most banks and other financial institutions that offer standard credit cards to consumers. You can also purchase pre-paid cards at some large retailers. Although most consumers prefer to carry standard cards, a pre-paid card might be a valuable addition to your financial portfolio. Like other types of cards, these cards have both advantages and disadvantages.

Advantages of Pre-Paid Cards

This type of card is available to anyone regardless of credit history. This is because instead of the issuer extending credit to you, your purchase amounts are deducted from funds you load onto the card. If you do not have sufficient funds in your card account, the issuer will simply decline the charge request. Because you do not need a good credit score to qualify for a pre-paid card, this can provide you with credit card access even if you have made late payments or other credit mistakes on other accounts in the past.

It prevents you from accumulating debt that you cannot repay. Because you are limited to the amount you have loaded onto the card, you can ensure that your purchases will not put you in jeopardy of default. This can be a significant advantage if you are living on a tight budget and do not want the added expense of credit card payments and interest charges.

A pre-paid card reduces or eliminates the need for carrying cash. If your cash is lost or stolen, you have little recourse to recover your money – in most cases, it is gone forever. By carrying a pre-paid card instead of cash, you have a level of security to protect your money. If your card is stolen or lost, you would simply need to report the loss to your card issuer. The company would then freeze the account to prevent another person from accessing your available funds. Using a pre-paid card instead of cash also makes purchases more convenient – in most cases, you can check out more quickly with a card than you could by paying with cash.

Carrying pre-paid cards can shield you against financial disaster while you are on a holiday or business trip. It can prevent you from spending more than you intended so that you won’t worry about how you will repay your debt when you return home. Also, you have the ability to freeze the funds in the event of card theft or loss. Even if another person is able to make purchases with the card before you contact the issuer, your liability would be limited to the amount you have loaded onto the card. This can provide a safe way to access funds while you travel without the risk of a thief amassing exorbitant charges in your name.

Disadvantages of Pre-Paid Cards

Not all retailers and servicers accept these cards as payment. Typically, you cannot use a pre-paid card to pay for a car rental, airline ticket, or cruise ticket. Likewise, some utility companies do not accept these cards for invoices. Companies also do not accept these cards for services and products that must be paid for on an ongoing subscription basis. It is important to check with a servicer or retailer before you rely on a pre-paid account to pay for a purchase.

A pre-paid account might not help you build a solid credit history. Many issuers do not report timely payments to the major credit bureaus, which means that you do not have the opportunity to establish the credit history to qualify for cards, credit lines, loans, and mortgages in the future. This can be a significant disadvantage if you have not established a credit history or are attempting to repair your credit. Ask the issuer about reporting before you apply for a pre-paid card.

You will not have access to incentives and rewards available through standard card issuers. Some companies provide incentives such as cash back and rewards points to standard cardholders. Applying for a pre-paid card prevents you from taking advantage of rewards that could save you money or allow you to accumulate credits for special purchases.

Even with the disadvantages of pre-paid credit cards, the benefits make carrying this type of card worthwhile. At the very least, it gives you a convenient payment option when you don’t want to use a standard card for everyday or travel purchases.

Payday Loans for Bad Credit timely cash despite past faults

Payday loans for bad credit are instant source of cash for people who are carrying a bad credit history. The lenders usually do not make your low credit rating an issue when you want to borrow some cash for its urgent use. Thee loans provide you cash of your requirement to pay off bills or for other personal expenses ahead of next payday. These loans are planned for the working people who are having a bad credit history and want to borrow some cash urgently. In spite of your risky history of making payment faults, you can have timely money for urgent works.

But you should be employed and getting monthly salary to availing these loans. Only adult people of at least 18 years of age are eligible for these loans. Generally, the applicants are asked to borrow the loans against a post-dated cheque. The lender will deposit the cheque in your bank account to get back the cash on the due date.

Payday loans for bad credit are timely given to the borrowers without any credit checks from the lenders. Thus, an adverse history of late payments, arrears, payment defaults and even CCJs are seldom an impediment for the applicants

These types of cash loans provide you cash ranging from 100 to 1500. Approval of the loan amount comes for two weeks, until your next payday. The loan can be put to any personal use. The borrower receives the loan amount within 24 hours. The lenders directly deposit the amount in the applicant’s bank checking account that the applicants must hold for past few months. A drawback is that payday loans for bad credit carry high and expensive interest rates. For salaried people, such rates are burdensome. So, they should borrow an amount in keeping with salary cheque. Make it certain that you repay the loan without delay on the due date to avoid late payment penalties and debts.

As you search for payday loans for bad credit on Internet, compare various offers of interest charges and fees of the lenders. You can also borrow these loans at less costly rates. As a result, repayment becomes much easier on your next payday on the due date of the loan. You can also rollover the loan for a month.

Payday loans for bad credit are on time approved and provided to the working people within 24 hours without any credit checks. These are emergency loans to meet sudden monetary requirements.

Sophie Jonas is currently associated with Payday Loans Bad Credit as an expert author in finance related articles. For more details payday loans for bad credit, bad credit payday loans, payday loans and instant payday advance please visit .

Avail fix my credit services to fix your credit score

When you approach a bank or any other financial institution for a loan, the organization will check your credit score. If you have a good credit score, your application for loan will be sanctioned in no time. However, if you have a bad credit history, say a credit score below 760, you might find it difficult to get the loan. However, if you have a bad credit record but still require a loan, you should fix your credit score. There are specific measures that can be undertaken to fix your credit score and you can try out these measures on your own. However, if you are not confident enough about undertaking these measures, you can avail fix my credit solutions from a company. It is for sure that the company will fix credit score with strong hands.

There are a large number of credit repair agencies in Texas. With so many companies, you might get confused about which organization to approach for fix my credit services. Most of the companies claim to offer highest standard of services and help you get rid of the worries of having a bad credit score. These companies promise to fix credit score so that you can easily apply for loans in future. However, not all these companies are reliable. You need to do some research on the internet as it will provide you with ample information about how the company is and what the clients of the company has to say about its services. The information acquired from the official website of the company will also help you understand if the company is reliable.

It is better if you shortlist some credit repair companies and get in touch with the BBB(Better Business Bureau) to check if the shortlisted agencies has consumer complaints against them. You can also contact your state attorney general’s office to enquire if there is any pending legal case against the concerned agency. You should have a clear knowledge of the content of the Credit Repair Organization Act before you choose to avail fix my credit solutions from an agency. Make sure that the company is registered to offer credit repair services. Before entering into a contract with a credit repair agency, make sure that the company provides you with a document mentioning the fees, detailed information on the services to be received, and the guarantees it offers.

What services can you expect from a credit repair agency? You will receive copies of your credit reports and a credit expert will explain you about the positive and negative aspects of the reports. The credit expert in charge of your case will formulate a plan about what can be disputed. He will try to determine the means that he can use to eliminate the negative items from your credit report. You will receive monthly reports stating what items have been removed from your credit report. During the time of eliminating the negative items from your report, the chosen fix my credit firm will provide you with effective advice about how to create positive credit by using secured credit cards or extracting a small amount of loan to build an on-time payment history. If you have a bad credit score but still want a loan, you can seek our fix my credit services. We are expert enough to fix credit score.

Add protection to credit card storage and database to prevent hacking

As a businessman one has to brood over a number of issues related to his/her own business. Worrying over issues like security is something which should always be left to the professionals to deal with. These days, technology has made such progress that it can be quite dangerous to let the rein of the business fall under the hands of the wrong guy. If you haven’t opted for a secure database, then even an innocent looking employee may easily access confidential information and sell them to rivals.

External hackers are also harmful agents who need to be tackled using the latest technological tools. Most of these hackers are highly intelligent and they have a way with these software programs and codes. No matter how difficult or unimaginable your password is, they can crack it in a very short time. Another thing about these hackers is that they are very egoistic and gritty. Once they set their eyes on a company or a website, they do not rest until and unless they have hacked it to their satisfaction. So, it is crucial to hire the services of IT giants and avail appropriate services to secure database. You may have to make a small investment for the same, but the amount will be miniscule and the expenditure will be worthwhile, given the level of security you can avail.

While the hackers are very smart in stealing information hidden on your computer or in cloud-based platforms, they are also very successful when it comes to stealing info from your credit card storage. Most organizations use credit cards these days. With more and more trading activities taking place online, the use of credit card has become indispensable. Without using the credit card, making payments and carrying out long-distance transactions will become extremely difficult and inconvenient. So, companies have to maintain high balance in their credit card and use it almost throughout the day.

But the problem with these credit cards is that if their security gets compromised, then there can be a huge loss of money in just a matter of minutes. By the time the fraud is identified, it can be very late. The old saying states that it is better to prevent than to cure. So why repent over lost money and stolen passwords when you can take professional help to provide impregnable security to your credit card storage?

Quite a few IT-based organizations are mushrooming these days. They sell security services and software which offer the highest level of database security and provide protection to credit card from thieves, hackers and frauds. Interestingly, such software services are very cost-effective. They are also available in a gamut of packages which allow the company to choose a plan in accordance to its need and budget.

Besides, some service providers even run the pay-per-use service wherein the organization needs to pay as and when it makes use of the service. No matter what kind of security plan you choose, it is very important to offer 100% protection to all your confidential data and documents. If you are technically a layperson, you can always take advice on the same from such service providers.

For gathering more info about database security and also about credit card storage, please check out these links.

Your Credit Utilization Ratio

Credit utilization ratio – a significant factor in your credit score
Most consumers who keep a close eye on their credit score know exactly what a credit utilization ratio is; it’s the percentage of your total credit limits that you actually use.

A balance of $1000, with a $5000 total credit limit on all revolving accounts, equals a 20% credit utilization ratio.

A low credit utilization ratio is good for your credit score; it’s recommended to keep it under about 30% of your total credit limits, and less than that is even better.

Your credit score will suffer if you use too much of your available credit; thirty percent of your credit score is based on your credit utilization ratio. Maxed-out credit cards will wreak havoc on your credit score.

It’s important to be aware of how your credit utilization ratio affects your credit score at any given time, especially if you plan on applying for credit in the near future, such as a home mortgage or car loan, or even a credit card.

A better credit score saves you money in the form of better interest rates and more generous benefits from your lender or creditor.

Responsible credit card users’ credit score may not truly reflect their credit habits.
The funny thing about credit utilization is that it simply shows how much you use your credit cards. But it doesn’t really say anything about how well you can afford to pay your debts.

Credit cards are no longer used strictly for emergencies like they used to be, and using a credit card doesn’t mean that you don’t have the money in the bank.

Many use credit cards daily for the convenience of it; swiping a credit card is so much quicker than pulling out cash and waiting for change. In our fast-paced society, those few extra seconds can make a difference in our day.

And the rewards are another reason many responsible consumers choose to use their credit card for monthly bills and daily purchases, when they could just as easily use a debit card for the same convenience.

Smart credit card users know how to get free use of somebody else’s money every month, by using their credit card and then paying the full balance before finance charges are assessed.

But using a credit card for most purchases brings up your credit utilization ratio, especially if your credit limits aren’t much higher than the amount of credit you actually use each month.

For example, you may consistently put $2000 on your $3000 limit card every month. You never put more on your card than you can pay off each month, and you may not see the need to apply for additional credit cards or a credit limit increase because you believe you will never need more credit at your disposal.

This would seem like the habits of a smart, responsible borrower. But that kind of usage would put your credit utilization ratio at 66%, something that make creditors nervous and damages your credit score.

And keep in mind your credit utilization ratio is not a fixed number; it can change dramatically over the course of one month, depending on when you pay your bill and when the creditor reports your payment and balance to the credit bureau.

Paying your full balance each month would put you at a zero percent ratio immediately after the creditor receives the payment; that should be good for your credit score.

But what if your creditor reports your balance just before you make the full payment? Your credit score will suffer for it, no matter how good of a grip you have on your finances.

A borrower with a low credit utilization ratio may still be in over their head in debt.
A credit limit increase is normally considered to be a good thing. It shows that you’ve been good at handling your debt with on-time payments, and that the creditor trusts you enough to let you loose with more available credit.

It also brings your credit utilization ratio down, as long as you don’t increase your debt load. A lower credit utilization ratio means a higher credit score, and a higher credit score means that you’re financially in good shape, right? Well, not always.

The higher credit limits probably won’t present a problem for those who are careful about how they use credit. Having more credit available doesn’t mean you have to use it, and financially responsible consumers will control their spending, no matter what their credit limits are. These consumers can enjoy the privelege of a higher credit score, and the better financing deals that go with it.

But let’s just say we have someone who has managed their debts well in the past, and they have several credit cards with a total credit limit of $10,000. They carry a balance of $2000, and their monthly payments rarely exceed the amount of the interest charges and new purchases each month.

So the $2000 balance is pretty consistant from month to month. With a 20% credit utilization ratio and a good credit score, creditors may eventually decide to increase their total limits to $15,000.

Some consumers in this situtation will spend a little more than usual when they get their credit limit increase. With higher credit limits at their disposal, they can let their balances grow to $3000, while still maintaining a low 20% credit utilization ratio.

A 20% ratio may be great for a credit score, but $3000 is a lot of credit card debt to carry around if you can’t afford to pay it off every month, or at least within a few months. A low credit utilization ratio can give consumers the illusion of a manageable level of debt. In reality, the debt may be more than the consumer can afford to get ahead of within a reasonable amount of time.

The worst-case scenario is when a troubled borrower routinely requests credit limit increases in order to keep a good credit score, while maintaining their otherwise out-of-reach lifestyle. Credit limits keep increasing while the debt keeps growing, until the day the borrower realizes they’ve let their spending get out of hand.

It may eventually become difficult for them to even make the minimum payments on thousands of dollars worth of credit card debt. From there, their credit scores and financial health can be damaged pretty badly.

Be smart in handling your debt.
So, even though your credit score is important for you to get additional financing, it’s important to ensure that the dollar-amount of your debt remains at a manageable level.

Someone with a relatively low credit score may own more than they owe and have plenty of money in the bank, while someone with a higher score is barely scraping by and living off of their credit cards. A credit score has much to do with the financing that’s available to you, but it really has nothing to do with your overall financial picture.

A good credit score is still important. It’s what makes homeownership and buying a nice car possible. It’s what get you better deals on credit cards and lines of credit.

A good credit score will make it easier to attain the things we need and want, but having a good credit score, in itself, won’t improve your financial situation; it only means that it’s easier to borrow money.

Understand where your credit fits into your overall financial picture, and make decisions to improve your financial health, not just your credit score. With careful planning and responsible spending, someday, you may not ever have to borrow money again.

How To Get Your $3,000 Guaranteed Bad Credit Loan Now

Life has its ups and downs, and sometimes we all need to borrow some money. The emergencies of life can leave bad credit borrowers out in the cold, as many banks and lending institutions refuse to loan money to those who have less than perfect credit. However, there are lenders that will loan you up to $3,000 for whatever purpose you might have, hassle free and without a credit check. These loans are called guaranteed bad credit loans and nearly every borrower will qualify for one.

Money To Pay Urgent Bills

A guaranteed bad credit loan is a short term loan for those borrowers who have less than perfect credit that need cash fast. Whether you need money to fix your car that suddenly left you stranded on the freeway, or to pay a forgotten utility bill or mortgage payment to avoid negative consequences, the bad credit guaranteed loan is for you.

Borrow Up To $3,000

Bad credit guaranteed loans are also called payday loans because they are short term loans written to you in the amount you need to borrow until your next payday. You can request any amount that you can reasonably afford to repay the lender when you are paid, with commonly granted amounts up to $3,000.

To apply for a guaranteed bad credit loan the only requirements are that you have a job with a regular paycheck and an active checking account that is not overdrawn. There is no credit check performed. Because the regulations for getting a bad credit guaranteed loan are so sparse, nearly everyone who applies will qualify, which makes this type of loan the most popular among bad credit borrowers.

Simple Application Process

Your bad credit guaranteed loan servicer will ask you a few simple questions to approve you for the cash that you need. You will be asked to present certain documentation to secure your bad credit guaranteed loan, including your recent paystub, current bank statement, and picture identification card issued by the state, such as a driver license. You might also be asked to give your bad credit guaranteed loan servicer with up to three references. These references should be people that know you and can get a message to you if the servicer cannot reach you at the phone number you provide them.

You will present the lender with a post dated check in the amount that you wish to borrow, plus fees and interest. The lender will hold your post dated check until the agreed upon date, which usually coincides with your next scheduled pay date. When the date arrives, the lender will deposit the check into your account to receive reimbursement for the money they have loaned you. It is that simple.

To save on the amount of interest and fees that you will be charged when you get your bad credit guaranteed loan, you should apply with an online lender. Online lenders can approve your application in minutes (while charging you much less than a walk-in loan store) and deposit the proceeds of your bad credit guaranteed loan directly into your checking account the same day.

Easy Ideas For Eliminating Credit score Card Financial debt

If you are trying to find an different to get out of your debts you have the choice to talk and talk to with a debt specialist who will evaluate your circumstances and propose a likely strategy that can get you out of your recent circumstance rapidly and wipe out credit score card debt swiftly. The recommendation will be based mostly on your input so. This is a great chance as perfectly seeing that the gurus can superior explain about settlements and debts consolidation to you.

Based on the volume of debts owed as well as your latest financial ability you can have the solutions of negotiating and settling debts, consolidating debts and finally even bankruptcy. The original two solutions will have minimum impact on your overall credit score simply because when cleared of your debts, the score will increase but for bankruptcy, you may possibly have to experience lots of several years of negative economic status and credit score. Even immediately after bankruptcy what numerous men and women do not realise is this. If you do not have any credit rating or score for the prior 10 several years you will not get any for a quite lengthy time to come so ten years with no credit can conveniently develop into fifteen a long

If you are in debt receiving professional help for you to discover the best way to eradicate credit card credit card debt is essential if you want to get out of debt quickly and remain out of it. Get assist now and get out of debt for excellent.

I know, the imagined of getting rid of credit card credit card debt in all probability sounds like a pipe dream to you suitable now. Likelihood are you’ve been so bogged down in credit score card debt relevant worry that you can’t even believe straight. Maybe you’re even acquiring problems keeping your relationships with your good friends and cherished types. It can be very feasible that you are possessing authentic issues sleeping at night, as well, since of the palpable fearfulness that you reside with day to day since of the credit credit card debt you are in. It transpires to great folks these kinds of as oneself each and every and each and every day.

The fact of the issue is that some persons just reach that stage in their financial careers in which they can do nothing at all else but stare at the credit score financial debt mess that they have prompted themselves. Of program the straightforward and very best factor to do is to consider your level very best to consider and return the credit card debt and the interest in any way doable, but occasionally this is just not possible when your earning is so considerably not as much than the total of curiosity you need to spend on a monthly basis alone.

In this kind of conditions, the only way to entirely and fully eradicate your seemingly insurmountable credit score card debt is by filing for bankruptcy. Of program this is not an easy recourse for you, as there are so lots of downsides and facet effects and expenditures of its individual involved, but it is in particular heading to be a huge jolt for your credit card provider.

As a supervisor and counseller of numerous prosperous economical enterprises about the previous fifteen decades, I have been simply call upon a lot of a lot of times to guide resolve economical crisis when no resolution was readily in sight. My accomplishment was primarily based of numerous solid tactics that I’ve developed about the program of helping my customers.

Fake Credit Card Numbers Mean Safer Online Shopping

Isn’t That Illegal?

Yes, using credit cards fraudulently is illegal. This article is absolutely not suggesting that you make up and use a credit card number. You should also never use credit cards belonging to other people.

Below is a summary of new services the credit card companies have created to make online credit card use more secure.

How Does It Work?

It is more appropriate to use the terms “temporary credit card numbers” or “single-use credit card numbers” rather than “fake credit card numbers.”

Some credit card issuers allow customers to generate and use a credit card number that is different from the number on their plastic credit card.

Current Online Security Measures

Security-conscious online buyers should only submit their credit card numbers to web sites that are secured by Secure Socket Layer (SSL) encryption. You can tell if a web page is secure by looking for the following signs:

1. The page address in the browser address bar begins with https. The extra “s” means secure. Normal web page addresses begin with http.

2. The browser will usually display a closed lock or a complete key symbol when you are at a secure page.

3. Clicking or double-clicking the closed lock symbol (or the security symbol your browser uses) will usually show the security information for that website.

4. Secure (https) web pages will encrypt (scramble) your credit card information before sending it across the public internet. Chances are that a human being will never even view the information.

That Sounds Secure Enough. Why Do We Need Single-Use Credit Card Numbers?

It is a bonus to the consumer any time a vendor can provide an extra layer of security. Online credit card consumers can generate a separate credit card number for each online purchase, if they wish.

This easy-to-use extra security measure makes consumers more confident about buying with credit cards over the internet. Anyone who did view your information in transit would see only your encrypted information. Encrypted information looks like gibberish to everyone except the credit card company’s computer.

Additionally, it is no longer necessary to submit online the credit card number imprinted on your physical credit card.

Will They Run Out Of Credit Card Numbers?

No! Assume that Earth’s population is about 6 billion people. Most credit card numbers have 16 digits in this familiar pattern: nnnn-nnnn-nnnn-nnnn. Assume that each digit in a credit card number can assume any value between 0 and 9.

That works out to be almost 1.7 million credit card numbers available to every man, woman, and child on Earth!

Even if the first 4 digits are reserved for some reason, there are still about 170 credit card numbers available for every person on the planet. In short, the credit card companies will not run out of single-use credit card numbers.

How Are They Different From My Real Credit Card Number?

They are as valid as your plastic credit card to online merchants. Each single-use credit card number is linked to your primary credit card account. Purchases made with single-use numbers appear on your monthly statement. Refunds made to single-use numbers will appear as credits on your monthly statement.

OK, What’s The Bad News?

There are certain circumstances under which you should not use a single-use credit card number to make an online purchase. This author learned from experience not to use a single-use number at home to purchase movie tickets from a popular online ticket vendor.

The problem occurred because the machine at the movie theater that dispenses the online movie tickets requires the insertion of your real plastic credit card. If you did not use your real credit card number to buy the tickets, the machine will not release your tickets.

Any online purchase that requires you to present your physical credit card at the venue should only be made with the number on your physical credit card. Web sites that sell movie and other tickets will warn you of this.

Furthermore, your online ticket purchase will come with a confirmation number. Write or print that number and take it with you in case of problems.


Single-use credit card numbers are easy to generate, make online buying safer and more secure, and give consumers extra confidence when making online purchases. Call your credit card company or visit their website to learn if it offers this extra peace of mind on your credit card account.

Use the links following this article to learn more about cash rebate credit cards and gas credit cards.

Will Credit Repair Raise My FICO Score Discover the Truth About Self Help Credit Repair

In this article we are going to take a quick look at EXACTLY what you should expect from the credit repair process. Should your credit score go UP, and if so…how much? Is there even a way to predict how much improvement you should expect? Let’s take a look at some key questions many folks want to know BEFORE they begin the credit repair process! Read on below..:-)

The Straight Scoop on Raising Your Credit Score

The credit repair process primary purpose is to focus on negative, or derogatory items from your financial past. These are EASIEST to remove as time passes, with closed accounts that are 24 months or older being some of the easiest things to purge from your report. But that should only be ONE part of the process – an informed consumer knows all kinds of little tricks and secrets that will add important points BACK to your FICO…and in a hurry! For example, disputing multiple inquiries can have small incremental improvements that really do add up, and CAN make a big difference. So too will seemingly small things that are actually HUGE in terms of scoring – like the amount you OWE relative to balances on current, open and positive accounts you have right now.

The Gross Multiplier Effect in Action

It’s the cumulative effect of ALL the little improvements, in conjunction with REMOVING all of the major league derogatory items is where the REAL exponential gains start to show. Don’t leave anything on the table when you are repairing your credit, as 20 points can make the difference between an A loan and a B loan….or between GETTING a job, apartment or insurance or being turned down FLAT! I’ve had it happen, trust me – the more thorough you are when filing your disputes, the GREATER the benefits are going to be when you need them!

And Remember……Credit Repair is NOT difficult. Living with Bad Credit though…..CERTAINLY IS..:-)

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