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Go Green With Credit Card

January 13, 2019

Barclaycard are the latest company to offer a green product to its growing ethically concerned customers who want to lower their carbon footprints. They have announced that their new eco-friendly credit card will be called Breathe. To ensure its green credentials the card is made from PETG which is the greener alternative to plastic. There will also be no paper statements, they will offer recycling for expired cards and all advertising for the Breathe card will be done online. The card offers customers discounts and low rate borrowing when green products are bought. In addition to this Barclaycard will give 50% of after tax profits (estimated at 1 million in its first year) from the card to environmental projects that are dedicated to reducing carbon emissions.

Barclaycard have also recently, along with eight other market leaders B&Q, British Gas, Marks & Spencer, Sky, Tesco, Royal & Sun Alliance and O2, launched a government backed campaign titled Were in this together which aims to help every UK household cut their carbon emissions by one tonne over the next three years.

Barclaycard isnt the only lender to be catering to the growing demand for ethical borrowing. Virgin have also launched a green credit card and claim that they have beaten Barclaycard in the green stakes because their card is bio-degradable and they also promise not to just pay lip-service to the environment but offer on-going dedication to environmental issues. The Co-operative Bank is generally regarded as being the most ethical with all their financial services offering environmental incentives.

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The Schewels Credit Commitment

January 11, 2019

The Schewels Furniture Company had been in the business of selling home furniture for over 100 years now. They continue to keep a good reputation to their customers because they are credible, give the best-quality items, best services, and now they also offer Schewels Credit to make it much easier for everyone to buy home furnishing from them.

They are committed to making every home in the United States, and perhaps in the future for the rest of the world, to have the right kinds of home furniture that will make every house turn into a cozy home. A family needs a home that has all the needed furniture. Whether you’re the wealthiest man out there, or you are just making ends meet, we all need to be comfortable and happy at home. So, they offer Schewels credit to those who can’t afford to buy home furnishing straight away and doesn’t want to use a credit card with really high interest rates if they can’t pay in time. With the in-store credit, customers are given a flexible deal based on their financial capabilities and how much they can pay each month. If the monthly budget is less than the regular deal, the in-store credit counselor could extend the time of payment so customers don’t need to adjust their budget just to add a few extra dollars for their monthly payment at Schewels. They don’t request assistance from a third party financial company or bank as they will be charging more interests from the customer. Though this would protect the company, but it would be an added burden to their customers. They want to make sure that every customer who avails of in-store credit would get the lowest interest rates. After all, they availed the in-store credit because they have limited budget.

The Schewels credit option is very practical and useful. To those who can afford, they can avail of this too if they want to purchase a higher-end piece of home furnishing that they normally couldn’t afford. It’s like raising the bar a little without making them feel the difference as the monthly dues are minimal and won’t affect their budget for their monthly needs. It had helped thousands of families to finally get the right pieces of furniture for their homes. Now they can just go to Schewels and buy home furniture when the need would arise and not worry about breaking the bank each time. The company had been successful with this idea, and it had helped boost their reputation as well. They care about their customers a lot. Elias Schewel will most definitely be proud if only he could see how much his company grew throughout the years.

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Some Tips To Prevent Identity Theft

January 6, 2019

It is estimated that more than ten million people are affected as a result of identity theft in the US. Identity theft is a distressing activity in which thieves use your personal information including credit cards, debit cards, drivers license, social security number, and ATM cards in order to commit crime, that may be simple to critical which may even sometimes lead to the loss of your job or reputation. From conventional yet common ways like pickpocketing your wallet and purses and phone spam to dumpster diving and skimming that is cloning your sensitive information using a kind of special device, a variety of options is adopted by thieves to retrieve your personal information in order to gain personal benefits. Whatever the method used for identity theft, the after effects of identity theft is quite upsetting, and can create serious issues in the victims life. Listed below are some important tips that help you to prevent identity theft.

About 50% of identity theft occurring in the nation is obtained through stolen wallet. Hence, never carry more than one credit card or debit card in your wallet. Further, unless necessary, never carry such valid information as social security card in your wallet.
Be careful when you insert your ATM card and enter the PIN number at the ATM counter. In other words, ensure that no one is peeking at PIN number while you type it.
A criminal may sometimes search your mail box in order to access your most important information. Hence, consider using a post office box.
Likewise, be careful when you throw your bills, as criminals may use a practice namely dumpster diving in order to retrieve your most valid information. Hence, check several times prior to throwing a bill or a piece of paper.
With the introduction of the internet, more and more people become victim of identity theft online. It is therefore recommended to install the latest anti virus software. Further, never reply to emails asking for your credit card information or other personal details.
Equally important is to be careful while you receive phone calls requesting for your credit card or bank account details, as a legitimate financial institution never makes a call out of the blue asking for your personal details.
Track your bank account as well as credit card statements regularly. This would help you to easily trace out unscrupulous transactions, if any.

Above all, the usage of such options as iWallet can also help you prevent identity theft. With biometric scanner, iWallet is a high tech cash and credit card wallet, whose specialty is that it could be opened only if it recognizes your finger print.

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Ready Debit Prepaid Cards – Reviewed

December 30, 2018

The Ready Debit prepaid Visa card is issued through MetaBank and has many benefits. When you sign up for the Ready Debit card with direct deposit you get free online bill pay, free online check writing, access to over 1 million ATMs and no overdraft fees.

The Readydebit card is a prepaid debit card, this means that you must load money onto the card in order to use it. You can do this via direct deposit, Visa ReadyLink and Green Dot MoneyPaks. You can also transfer money directly from your checking or savings account.

You must deposit money on the card in order for you to access the funds. The amount of money which has been transferred to the card minus purchases, fees and other transactions equals the amount available to be used for transactions. This is a nice benefit of prepaid cards because then you are not spending more than you really want to.

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Skye Bank Customer Alert – Beware Of Hackers

December 26, 2018

One of the features of online/Mobile banking is SMS banking services which are operated using both push and pull messages. Push messages are those that the bank chooses to send out to a customer’s mobile phone without the customer initiating a request for the information. For example push messages could be either Mobile marketing messages or messages alerting an event which happens in the customer’s bank account, such as a withdrawal of funds from the ATM or a payment using the customer’s credit card, etc.

Pull messages are those that are initiated by the customer, using a mobile phone, for obtaining information or performing a transaction in the bank account. Examples of pull messages for information include an account balance enquiry, or requests for current information like currency exchange rates and deposit interest rates, as published and updated by the bank.

The bank’s customer is empowered with the capability to select the list of activities (or alerts) that he/she needs to be informed. This functionality to choose activities can be done either by integrating to the internet banking channel or through the bank’s customer service call centre.
It is however sad to note that fraudsters and internet hackers have capitalized on this laudable innovation to rip people off their money. So it is important that as a bank account holder or intending holder you should be aware of this trend and choose the right bank to bank with where your money will be properly secured through adequate online security tips.

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