Is It Save To Use Your Credit Card When Purchasing Online?

No internet business today can hope to survive if it is unable to accept credit cards online. No-one who wants to keep his online business profitable is going to only offer checks or money orders as the only way to pay for orders.

If people have to take the time to send in cash or a money order, they are going to get frustrated and would order elsewhere. these days visitors placing an order on a website don’t expect to have problems making a payment that would result in delays.

You will find that every successful website on the Internet accepts credit cards. If you have built an internet based company with a website that sells, you must arrange online payments as soon as it goes live if not before.

Trying to run an e-commerce site without this type of electronic payment facility will be difficult at the very least and could mean that it will ultimately fail. Although there are a variety of ways to accept credit cards online, not all of them will be a viable proposition due to the cost involved.

You can have a system that takes the card numbers much like they do in retail stores, or you can use Paypal to accept online transactions. Paypal is not as common as the first method, but it is gaining in popularity.

More importantly, the facility makes users feel very secure. Internet users can be fickle but they do like to know the site they enter is safe and secure for them to use when making online payments.

Internet identity fraud is a problem, so visitors need to know that their personal information is encrypted and not accessible by people who would use it for their own ends. A secure server is generally required when accepting credit cards online where any ordering facility is provide. Building trust with the customer is what the internet is all about, especially when you are running a business.

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3 Easy Ways To Increase Your Credit Score

It used to be that “people” made decisions about your credit worthiness. You knew your banker and your handshake was all the collateral you needed. Those days are long gone, and now a single number – your FICO score – determines your credit worthiness.

Several credit models can be used for this article, however we are going to focus on the Fair, Isaac Company model. Better known as FICO.

Your FICO credit score can be used to determine your interest rate and how much credit a lender will give you. So taking care of your score, and keeping your credit clean will save you money.

Getting and improving your credit score is not hard at all, just takes time. Here is a tip or two that will help you improve and increase your score.

FIRST: You need to get a copy of your credit history

There are many reasons you may have no credit history. Maybe you’re just starting out, maybe you pay cash for everything and have never needed a loan. In any case, if you have no credit history, your FICO score is likely to be low.

The easiest way to raise your score is acquire a loan, and pay it off on time. In general, installment loans are weighted more heavily than credit cards. In other words, you will improve your credit score faster if you buy goods with an installment loan, rather than acquiring a credit card.

Another option is to take a $1000 and open a 6 month CD at a bank. Now turn around and get an installment loan using the CD as the collateral. You then take that $1000 loan and do it again at another bank. Do this for a total of 3 times.

Let the CD’s mature, paying only the minimum for the 6 months. Once they mature you cash them out and pay off all three loans. Congratulations…you now have a credit history.

SECOND: Maintain Your Good Credit History

Good job – you have paid your bills on time, and do not have high credit card debt. Here’s some ideas to keep your FICO score as high as possible.

Don’t close your old accounts. One part of your credit score is based on the amount of credit available verses amount of credit used. Closing old accounts can lower this part of your score.

Something to think about. The day of the month you pay off your credit card may have a lot to do with your FICO score. Let?s say you have a $2000 credit card. Every month, you charge about $1800 to that card. And, every month you pay it off. But here’s what happens – your credit card company reports your credit information monthly to FICO, but they report it on the 10th of the month…and you pay on the 15th. This would cause the credit agency to see you carry forward a balance every month. Try changing the payment times…just is sure NEVER to pay late.

THIRD: Fix your bad credit

For whatever reason, if you have a poor credit history, there are things you can do to improve your score. Some of them take time, and you will probably be best served by talking to a credit counselor to be sure that you not only repair your credit history, but also eliminate what caused that poor credit history in the first place.

The FICO score is most affected by your credit history. To repair a low credit score start paying your bills onetime. In order of value you need to pay your Mortgage, Installment loans, and last your credit cards.

The next largest portion of your FICO score is based on how you use credit. The fastest way to improve this is to pay down your credit cards.

When you?re all done with the rest of things…review your credit report. Get one from all the credit agencies. Look for errors and mistakes. Contact them to see if they can remove them or correct the errors.

A good FICO score is a huge part of your financial life. Keep it healthy. Use these tips and watch your score climb.

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When it comes to owning debt that you cannot pay, you might be unsure the exact total that you owe; you might be unsure just how serious and dangerous your debt totals are. If you haven’t been paying your debts, there is a good chance that you just ignored all those collection calls and letters. If you have since changed your mind and realized all the benefits of seeking debt relief, scheduling an appointment with a credit card counselor should be one of the first things you do. Why?

Now, you will find that different credit counselors offer different types of services and share different types of tips. But, you can keep reading on to see a summary of what you might learn when incorporating credit counseling into your debt relief plan.

Get Your Finances In Order: For you to live your life debt-free, you must learn to save money. By successfully reducing your expenses, you will have more money towards seeking debt relief. Unfortunately, it is a lot easier to say “I am going to limit my spending” than actually doing it. Sometimes, it takes professional help to get you started on the right track or see just how easy it is to trim your spending. A credit counselor or financial planner can provide assistance.

Credit Card Use: Many Americans are in debt because of their credit cards. If your debt was caused by credit card use, a financial planner or counselor can help you overcome this problem. If you owe a massive amount of money, they might suggest that you cutup your credit cards. Otherwise, they are likely to share some helpful tips that include proper credit card use which will prevent your debt totals from growing.

The second thing you absolutely must do is to answer any collection letters. You must “demand proof” from the collector that you owe him anything. Send a copy of his letter with your demand by registered mail with return receipt and keep a record of that communication. When you do not answer a debt collector’s letter by demanding proof that you owe him money, the “wording” in his letter is legally designed so that you “admit” you owe him money if “you do not answer” his letter and his recorded phone communication is designed to get your “verbal” admission.

There are two other interesting things you may not have realized that you’ve learned. You’ll probably have enough knowledge to pass the “certification” test to become a consumer credit counselor if you like being nice to people and putting them into programs with a 90% failure rate. The second thing you will have learned is how to become a debt collector, that is if you enjoy being mean to people on the phone and harassing them constantly but as Forest Gump says “that’s all I got to say about that.” The important thing is that you know how to get out debt.

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About Astrive Student Loans

If you are in need of supplemental money to help pay for university, Astrive student loans may be what you need in order to get the extra financing you seek. Astrive student loans are private loans that were established to help cover the costs of schooling that are not covered by the standard federally funded financial aid packages.

There are a few ways that you can apply for Astrive student loans. Firstly, you can apply by yourself. In order to do so, you must have an extremely good credit history that has gone on for no less than 26 months. This is normally difficult for young adults to meet, so the majority of individuals making use of Astrive student loans apply with a co-signer.

A co-signer is an individual with a good credit rating who is willing to vouch for you and take responsibility for your student loan. A co-signer must meet a certain list of criteria in order to be eligible.

There are several criteria that you will need to meet in order to be eligible for Astrive student loans. First, you must already know which college you want to attend. This is important, as Astrive must contact the school and acquire information on the loan process for that specific college. On top of that, they will ensure that you will be attending that college, and set up the process of fund transfers from Astrive to the school.

Furthermore, Astrive student loans work in a very similar way to how federally funded loans work. For example, there is the same six month grace period associated with federal funding and a very similar process of application. However, unlike federal funding, Astrive student loans are not restricted by exactly the same limitations that federal funds are.

Also, federal funding will only permit a certain amount per applicant, while Astrive student loans are usually much more flexible. If your credit rating and history, as well as that of your co-signer, allow a higher limit, you can receive the amount that you require. This is extremely useful for those students who are enrolled in famous higher education centers, as these schools are usually a great deal more expensive.

Just like with most financial centers, but unlike federal funding, Astrive student loans applications can be rejected for any reason they like. The reasons can range from economic downturns to the possibility that you may default on the loan. The higher the risk you are, the more chance there is that your application will not be approved.

If you are interested in Astrive student loans, please go to our website, which specializes in Student Loans

Debt Consolidation – What It Is?

A simple way to explain the concept behind debt consolidation is to have a second rescue plan when you are unable to manage your multiple loans. This entails combining up all your various loans into one single loan so that instead of paying multiple loans you are required to pay one single creditor. Your debt consolidation manager will arrange to meet all of your creditors and combine and consolidate all your debts into one single debt. This is a good cheap and professional way to come out of multiple loan payments. With a single loan to worry about the monthly payments are lowered to your manageable level and so are interest rates. Late fees is also forgiven to keep your monthly payment low.

We will dig a little deep to understand the process of debt consolidation. After your application for debt consolidation is accepted, firstly consolidation of all your earlier debts into one single debt occurs, with a monthly repayment mode. The gross repayment amount paid by you is actually divided into several unequal parts to pay back your previous creditors. It is apparently a relief to shell out a single low interest rate amount compared to having to pay many high interest rate amounts. Thus it is a first rate method to remain solvent and avoid bankruptcy. But it may be necessary for you to have collateral to get approval for your debt consolidation. You must make a right choice of collateral for getting your debt consolidation loan approved. Obviously it will turn out to be more sensible to choose trucks or real estate for collateral instead of choosing precious metals in your possession because these keep appreciating in their fiscal value.

You may be thinking what will be the right quantum of debt loan amount you should ask for? Certainly you would not like to borrow a large amount as your collateral is involved. Right answer to this question will come if you take a look at your oldest and largest debts. Evidently these have to be cleared on an urgent basis. As such the sum you are about to borrow should be at least equal to or more than this. With right application of mind and calculations you will find that it is easy to pay your monthly installments. However ensure that you are prompt in your monthly repayments as your collateral is mortgaged against it.

For bankers and creditors as well the scheme of debt consolidation works nicely. They get their bad outstanding paid back. It goes to make sure that their debts are repaid in a timely manner and at the same time it they have the assurance that in a certain period their bad debts will be paid back. The positive response by banks to debt consolidation takes into consideration all these factors. People ignorant about this option to overcome their choking burden of debts fail to exercise this as they do not know “what is debt consolidation??

Armed with this knowledge of debt consolidation, you must think about using it to arrange payment of your debts. There are online sources to find debt consolidation services. and ADNS group are some of these you can approach. You can apply for a minimum debt of $20000. You must talk and bargain with a range of service providers before taking a decision.

Those people who know “what is debt consolidation?? can arrange their financial worries in an agreeable way. It is not wise to tax yourself needlessly when an option like debt consolidation is there.

Susan Reynolds is a content coordinator a leading South African Debt Consolidation Portal. For more information visit:

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