What Are The Most Prestigious Credit Card Offers

For a lot of elite credit card consumers, the most prestigious credit card is the American Express Black Card, officially called the Centurion Card.

The reason most elitists deem the Amex Centurion Card as one of the most prestigious credit card offers is due to the fact you cant apply for this exclusive card membership, youve got to wait for an invitation to join from Amex.

To qualify for the most prestigious American Express offer you first need to be an Amex cardholder of one of their elite offers such as the Platinum Card from American Express which certainly does give you elitist rewards.

However to get accepted into the most prestigious American Express Centurion Black Credit Card exclusive membership youve got to be an existing AmEx cardholder and not only do you have to have a membership to a card such as The Platinum Card from American Express, youll need to be spending at least $100k on you existing American Express Platinum Card annually before you can even think youre going to receive an invitation to join the Centurion Card membership.

Its the false scarcity tactics that American Express uses that makes their Centurion Card offer, in your

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

Fall back to Consumer Fraud Act if you face Credit Card Harassment

Plastic money is being widely used globally in a convenient way. People are spared the pain and insecurity of carrying cash with them while traveling. Credit cards are used widely for its various benefits and convenience. Just a swipe of the credit card and the payment is made. However there are many problems that are related with credit cards. Credit card harassment is one such issue that many people face quite often. If you find that the level of harassment is crossing limits, you can get in touch or consult an attorney and understand the Consumer Fraud Act. After that you can handle the case of credit card harassment easily.

Credit card harassment does not begin after one uses the credit card. It starts with the process of convincing a person to take a credit card. Innumerable calls are made from various companies who issue credit cards trying to convince the customers to use them. They try and make the customer understand the advantages and benefits of using credit cards. However, there are positives and negatives to all things and credit cards too have some negative sides.

The next level of credit card harassment begins when the customer fails to

Credit Vs Debit Spread-which Is Better

Are you wondering which is better: option trades that result in a credit or trades that result in a debit? Simply put, you’re asking whether you should choose a credit spread or debit spread strategy. Let’s consider both options in more detail.

A credit spread (also called a net credit spread) involves the investor selling one option then buying another option. The second option is in the same class and also shares the same expiry date. However, there are different strike prices between the two options. In this instance, the new investor gets a net credit for entering this position. He is looking forward to the spreads either narrowing or expiring in order to get a profit. A credit spread is basically a conservative strategy in investment. It is designed to earn a moderate level of income while also limiting your potential loss. In this circumstance, you are buying and selling options on the same index in the same month. Remember, the only thing different is the strike price. The most common credit spreads are the Bull Put Spread and the Bear Call Spread.

What about debit spreads? First of all, investors have to pay to enter a

Irda Bans Credit Default Insurance

Credit Insurance Plans have been put into a complete ban by IRDA as it was being practiced rampantly by some non-life insurers. Credit Insurance is a kind of cover or guarantee to the lender against payment default by borrowers. IRDA has ordered all general insurers to stop selling credit insurance plans until any further detailed notice is issued by them in this regard.

Since only a smallish number of loans carry credit risk protection, the decision is unlikely to increase the total credit risk of banks. The Authority has also asked for details of total exposure of the insurer under the credit insurance plans issued by them to the banks offering credit facility to the debtors. The credit insurance that is being marketed by the several insurers is better termed as credit default insurance. Its basically a security cover which provides protection to the borrower of a loan against the inability to repay the loan.

A recent case of credit insurance cover which resulted in a claim is that of the state-owned insurer Oriental Insurance Company selling such a cover to Paramount Airlines. The insurer provided cover to the airlines lenders from different branches to the tune of INR 200

Controlling The Financial Performance Of Your Business

There are numerous factors which impact on the performance and viability of your business. It is therefore imperative that you monitor and control your financial performance. Debt control and budgeting are two elements of this, and of particular importance is your business cash flow.

Many profitable businesses have gone under due to a lack of attention to their cash flow; they have insufficient cash available to pay their bills. Thus, you must plan and control your cash flow in order to effectively manage your business.

Some strategies that may assist in this include:

* Increasing the speed of cash receipts by good debt control strategies

* Avoiding excessive stock holdings by managing stock levels and obtaining reliable, prompt suppliers

* Planning the purchase of equipment and other capital expenditure for periods when surplus funds exist

* Planning to have sufficient reserves to carry your business through the inevitable periods when unexpected expenses are incurred

* Avoiding excessive investment in plant, equipment and other fixed assets which may leave too little working capital available (particularly in periods of falling prices, declining sales or increasing interest rates)

* Avoiding over borrowing as this may place a strain on working capital, loans

Identity Theft Through Stolen Credit Card Details – How to Protect Yourself

Credit card fraud is one of the most common cases of identity theft. In fact, it is also the simplest kind where such criminal activities take form. It can happen with a single mistake of leaving a receipt lying around that shows a purchase using your credit card. It can also occur when a pre-approved card has fallen into the hands of unscrupulous individuals. There are many other ways that identity thieves can rack up fraudulent charges, but all of them can result in the victim suffering from severe financial problems.

Fortunately, there are many different ways wherein you can protect yourself from becoming a victim of such crimes. Knowing what to do to safeguard yourself from identity thieves is the first step to avoid the potential consequences associated with having someone use your information for fraudulent charges. Here are some of them.

Guard your Online Information

If you often do your banking responsibilities and shopping through the world wide web, you should understand that this can put your information at greater risk. In order for you to continue enjoying the convenience of banking and shopping online while protecting your information, you should always do the following:

Make it a habit to regularly clear

Credit Card Data Breaches – EMV – Merchant Services

As a business owner, have you heard the terminology, EMV? If not you will likely hear it soon as the spring influx of new merchant services reps hit the street and come knocking on your door. The purpose of this article is to bring you information on this technology so that you are on top of your game.

As defined by Wikipedia, EMV stands for Europay, MasterCard and Visa, a global standard for inter-operation of integrated circuit cards (IC cards or “chip cards”) and IC card capable Point of Sale (POS) terminals and automated teller machines (ATM’s) for authenticating credit and debit card transactions. EMV is a joint effort with the three entities to ensure the security and global interoperability of chip-based payment cards.

OK, so now you know what it is but what effect does it have on you and your business? Certainly you’re aware of the huge data breach at Target during the holiday shopping season. And maybe, to a lesser extent, you have heard of the Neiman Marcus data breach as well that dates back as far as July of 2013. Estimates indicate that at least 110 million consumers were affected by these hacks. Obviously, simply because of the

Beauty Salon Finance

In times of economic recession it can be extremely challenging for beauty clinic operators to gain access to a number of types of business funding in order to help their business expand and grow. Lets look at two important types of funding, which can help underpin and strengthen growth in terms of capital equipment and growth, and also point of sale (POS) finances a good way of driving sales and increasing profit for the business owner, In any economic climate.
To start with well take a look at operations finance which we can use as an catch all heading which includes business equipment leasing, overdraft facilities, business loans and any other credit that you would use to grow your company. If you want some new equipment or facilities you would most likely finance this with a business loan or a lease, in good economic times there would be dozens of options available, but in recession, most asset lenders who have to fund assets to be in business tend to contract and point their activity to markets such as Gov bodies or the medical sector due to the given perception, and likely reality, that these markets are better covenants from

Business Credit Report

Indeed, it is a confirmed phenomenon that when you have a credit card, you will much more than likely have more credit debt than those that are settled. It is a recognized fact that individuals about the world that use credit card as a main supply of trade are handling large quantities of debts because of to these credit cards. Cases of foreclosures are higher. Identity theft is also turning into an problem as well. These kinds of issues have surfaced and conflicted many people but still, numerous individuals choose to use credit score cards.

There are different ways to get your own individual duplicate of your credit score report. This can also be carried out through obtaining a free credit report [just click the next website page] once each year. Calling for your own individual copy can be carried out by writing to any of the three large time credit score-reporting companies. For you to get that totally free report, you are obliged to give your personal info and other data about your self. Basically, you will have to give your complete title, deal with, birthday, social safety number, and telephone number, to title a couple of.

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