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How to Use Your Miles to Give a Plane Ticket as a Gift. Buying a plane ticket as a gift for a friend or family member can be tricky and there is plenty of fine print regulating it, if you want to use your credit card. You have several options and Fox News's Paul Eisenberg has examined them for you.
1. Buy the ticket o...utright - a good option if you know precisely where and when your friend wants to fly. You should do it online, not over the phone, to avoid being required to make a trip to your nearest airport to sign a waiver permitting the booking.
2. Load up an airline gift card - your friend can use an airline gift card to buy the plane ticket herself.
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1. Buy the ticket o...utright - a good option if you know precisely where and when your friend wants to fly. You should do it online, not over the phone, to avoid being required to make a trip to your nearest airport to sign a waiver permitting the booking.
2. Load up an airline gift card - your friend can use an airline gift card to buy the plane ticket herself.
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Source: www.foxnews.com
Leisure Gift Guide: How Give a Plane Ticket as a Gift, Sometimes the best travel gift is simply the gift of travel
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At The Sales Counter, Resist The Store-Card Pitch. Retailers are sure to be pushing their store credit cards hard this holiday season, but you would probably be better off fending off their attacks. The 10% to 20% discounts that come with the store card on the goods you're buying can be tempting, but unless you pay y...our credit card balances in full each month, chances are that you will end up paying more in interest.
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Source: blogs.consumerreports.org
Money & Shopping Blog: Unique perspectives on spending, saving, and investing, plus shopping tips.
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8 Examples Of Bad Credit Card Manners. CreditCards.com's Erica Sandberg offers 8 tips to help you recognize good credit card manners and refine your plastic etiquette.
1. Advertising debt troubles puts listeners into an awkward position. Instead, you should keep your money troubles out of the conversation and speak in... generalities.
2. Hogging credit card receipts - if you're in a group, grabbing the receipts so you can write the costs off on your personal expense report is rude. You should be taking payment terms and only keep your own receipts.
3. Playing card wars at the table - brawling over who should charge the dinner are embarrassing. You shouldn't make a show of it, but present your card in private before being seated and when others start wondering about the bill, just say "It's covered," and move on.
Read the full list of bad credit card manners.Read More
1. Advertising debt troubles puts listeners into an awkward position. Instead, you should keep your money troubles out of the conversation and speak in... generalities.
2. Hogging credit card receipts - if you're in a group, grabbing the receipts so you can write the costs off on your personal expense report is rude. You should be taking payment terms and only keep your own receipts.
3. Playing card wars at the table - brawling over who should charge the dinner are embarrassing. You shouldn't make a show of it, but present your card in private before being seated and when others start wondering about the bill, just say "It's covered," and move on.
Read the full list of bad credit card manners.Read More
Source: www.creditcards.com
We hope you don't recognize yourself in these examples of bad (credit) manners, but if you do have lapses in your crediquette, we can set you on the path to plastic refinement.
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Warren Buffett, Stop Using My Credit Card! Tavakoli Structured Finance's Janet Tavakoli says she likes Warren Buffett and she does not blame him for causing the financial crisis. She does object, however, to the financial guru's grabbing her credit card and charging twelve suits on it. She does not want to pay for i...t, nor does she favor the idea of the government bailing out the bank that issued the credit card Mr. Buffett used without authorization.
Read the whole wardrobe saga.Read More
Read the whole wardrobe saga.Read More
Source: www.huffingtonpost.com
We must stop subsidizing speculators with cheap funding and tax breaks. We have to hold people accountable for malfeasance, break up large financial institutions, and allow them to fail.
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E-Tailers Snagged In Marketing 'Scam' Blame Customers. A U.S. Senate Committee investigation concluded last week that dozens of well known online retailers have deceived customers out of $1.4 billion. The questionable practice involved an alliance with a marketer like Virtue or Affinion, who were allowed to ask for c...ustomers' email addresses at the check-out. The controversy stems from the claim that the message asking for the email address failed to clearly inform the customer that by providing it, they would be entering into a paid membership program with the marketer. Some of the e-tailers named in the report, including Continental Airlines, have since severed ties with the marketers.
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Source: news.cnet.com
Priceline, Classmates.com, and Orbitz say customers should read the fine print before complaining about being charged recurring monthly fees to join loyalty programs they didn't want. Read this blog post by Greg Sandoval on Security.
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Late Payments on Credit Cards Drop in 3rd Quarter. A new report by credit reporting agency TransUnion indicates that for the first time in a decade, more people paid their credit card bills on time in the third quarter this year than in the second quarter. MasterCard and Visa Delinquencies fell to 1.1% for the June-t...o-September period, from a rate of 1.17% in the prior three months. Credit card delinquencies were highest in Nevada (1.98%), Florida (1.47%), Arizona (1.35%) and California (1.33%), the states hardest hit by the housing crisis. Rates were lowest in North Dakota (0.66%) and South Dakota (0.70%).
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Source: abcnews.go.com
Late Payments on Credit Cards Drop in 3rd Quarter
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Personal Finance: Stay Within Your Means When Buying For Others This Holiday Season. This holiday season may be more important than ever to keep a close eye on your credit card bills. Issuers are scrambling to make changes to credit card rates and other contract terms to make up as much as they can for the expected l...osses they will incur when the new CARD Act comes into effect in February. The Dallas Morning News' Pamela Yip has a few tips on how to keep your credit card debt in check.
1. Avoid credit cards.
2. Don't procrastinate.
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1. Avoid credit cards.
2. Don't procrastinate.
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Personal Finance: Stay within your means when buying for others this holiday season | News for Dalla
Source: www.dallasnews.com
Dallas Business News- Dallas Fort Worth business news from The Dallas Morning News.
UniBul Merchant Services J.P. Morgan Chase Drops Card Arbitration Clauses That Required Cardholders to Resolve Disputes out of Court. Chase had already agreed to drop the clause from its credit card agreements for at least three and a half years starting in 2010, and to immediately stop enforcing existing clauses.
Source: online.wsj.com
J.P. Morgan Chase agreed to drop arbitration clauses from its credit-card agreements as it reached a tentative settlement of a lawsuit over cardholder disputes.
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Tips on Avoiding Debit Card Fraud. Debit card fraud can be more painful to consumers. Unlike credit cards where, once you file a dispute, the amount in question is placed on hold and you are not responsible for paying it until a resolution is reached, with debit cards the questionable amount is immediately withdrawn ...from your bank account and you don't get it back until the dispute is favorably resolved. Here are some steps you can take to protect yourself:
1. Monitor the account balance on a regular basis.
2. Do not use an ATM if it looks suspicious; it could be a skimming device.
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1. Monitor the account balance on a regular basis.
2. Do not use an ATM if it looks suspicious; it could be a skimming device.
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Source: workingmansdollar.com
Debit card fraud can be just as costly and frustrating as credit card fraud. But there are precautions you can take to avoid it.
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Salvation Army 'Ringers' Now Accepting Credit Cards. The Salvation Army has added credit / debit card terminals to many kettle locations due to the increasing demand for non-cash ways to donate. Salvation Army administrators credited the cashless kettles as one reason their annual holiday donation campaign set a record of $130 million last year despite the recession.
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Source: www.myfox8.com
HIGH POINT, N.C. (WGHP) - Piedmont shoppers without the spare cash to drop into Salvation Army kettles can charge their good will this holiday season.The Salvation Army has added credit/debit card terminals ...
UniBul Merchant Services Credit Card APRs Fall Sharply, But You Shouldn't Get Too Excited. CreditCards.com's Weekly Credit Card Rate Report indicates that the national average credit card rate fell to 12.68 percent this week. Six months ago, however, the average rate was a half-point lower, at 12.38 percent.
Source: www.creditcards.com
Annual percentage rates on new credit card offers fell sharply this week, according to the CreditCards.com Weekly Credit Card Rate Report, but don't expect your APR to drop, too.
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Sick Of High Credit Cards Fees – Try Cards From Credit Unions. A recent Pew Charitable Trusts study found interest rates for credit union cards were up to 20 percent lower than bank-issued cards. Penalty fees charged by credit unions are also generally lower. At this point, credit unions only make up one percent of the national credit card market, but membership is growing substantially.
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Sick of high credit cards fees – try cards from credit unions - WTOL.com, Toledo's News Leader, News
Source: www.wtol.com
TOLEDO, Ohio (WTOL) - Using credit cards to charge purchases has become second nature in America. But using the cards doesn’t have to come with the headaches of high rates and fees. Most folks don’t ...
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Banks on Watch After Suspected Card Breach in Spain. An apparent data breach in Spain has caused Visa and MasterCard to warn card issuers of possible fraudulent credit card transactions. As a result of the breach, many banks in Germany, Austria, Sweden and Finland have issued new cards. Several years ago the major c...redit card companies developed the Payment Card Industry's Data Security Standard (PCI DSS), in an effort to improve the security of sensitive data. Nonetheless, breaches still occur.
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Source: www.pcworld.com
An apparent data breach in Spain has caused Visa and MasterCard to warn banks of possible fraudulent credit card transactions.
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American Express Eats Competitor. American Express purchased Revolution Money Nov. 18 for $300 million. With the acquisition, American Express also gets MoneyExchange, a person-to-person service for sending and receiving money that uses social and instant-messaging networks.
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Source: www.forbes.com
Shop around for credit cards and credit card stocks.
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5 Ways To Prevent Your Credit Card Company From Getting Your Cash. Unless you love paying the price for plastic, it makes good financial sense to get wise to the credit card game. Here are five ways to avoid paying more than you should:
1. Pay Credit Card Balances in Full - paying your monthly balance in full will eli...minate paying interest.
1. Pay More than the Minimum Balance - if you can't pay off your monthly balance in full, try to at least double the minimum payment amount.
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1. Pay Credit Card Balances in Full - paying your monthly balance in full will eli...minate paying interest.
1. Pay More than the Minimum Balance - if you can't pay off your monthly balance in full, try to at least double the minimum payment amount.
Read more.Read More
Source: www.squawkfox.com
Credit card companies can be sneaky sneakers. They have trickster ways that entice us to spend more, pay off less, and dig ourselves deeper into credit card debt. Years ago when I clued in and figured ...
