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Exporting a Citibank credit card statement to Excel is a great way to take control over your finances. Export a Citibank credit card statement to Excel with help from an experienced accountant in this free video clip.
You’re probably anticipating a lot of shopping this holiday season, and shopping these days usually involves credit cards. You might be tempted to pull out whatever card is in your wallet, but experts says it’s worth your time and money to be just as selective about the credit cards you use as with the gifts you purchase with them. What’s the best card for you hinges on your spending patterns, said Beverly Harzog, an Atlanta-based independent credit card expert and consumer advocate. Bill Hardekopf, CEO of Birmingham, Alabama-based LowCards.com, which tracks more than 1,000 credit cards, said they aren’t like…
Comparing direct debit cards with deferred debit cards requires you to take a closer look at a few specific elements of each card. Learn about how to compare direct debit cards and deferred debit cards with help from a professional financial adviser in this free video clip.
The limited space offered by a laptop computer's casing means that upgrading your hardware requires specialized equipment. PC Cards and AirCards are two such specialized upgrades, each offering a distinctly different potential enhancement. While the AirCard is still a viable format, PC Cards have found a lower market share with the advent of the ExpressCard.
Intentional or accidental copyright violations are criminal and potentially costly actions. Federal copyright laws protect most original print and multimedia work, and those federal laws cannot protect, many state laws do. While it is unfortunate, using an I-Q Manager or its equivalent to ensure that your website is free of copyright violations can instead make you a victim. Information is your best form of protection. Educate yourself about what an I-Q Manager is, understand how it works and then avoid it or any equivalents you may come across on the Web at all costs.
Smart cards simplify the process of identifying yourself and paying for a service or product. Smart card technology is either contact or contactless. Both technologies offer similar functionality. However, contactless smart cards offer additional convenience. This convenience comes with an additional security risk.
Swipe key cards, like those used in hotels to access rooms, have a magnetic stripe on the back. This magnetic stripe contains many microscopic iron particles that are magnetized in a particular pattern. When a computer scans the stripe, it translates the pattern and receives the necessary information. If the particles become demagnetized, the pattern will be disrupted and a scanner won't be able to recognize it.
A virtual teletype, or VTY, connection is one established by a router to create a Telnet session on a computer, where one computer logs onto another in a network. It’s a virtual line that works within software and does not require extra hardware to function. Telnet sessions are virtual terminals that allow access to other computers or networks. Another term for virtual terminal is terminal emulation. Routers create the VTY connections that generate the virtual terminal.
Credit card issuers do not have to give you any advance notification if they are canceling your card, under the Credit Card Accountability, Responsibility and Disclosure Act of 2009. However, they must give you at least 45 days notice for any significant changes in terms.
"Roblox" is set in a virtual world called Robloxia in which players can construct their own buildings and town with giant Lego-like blocks. The game is part building simulation and part social networking, with a dash of role playing game built in since your character is fully customizable. "Roblox" is free to play, but players who have Robux, the in-game currency, have access to extra items and options. You can obtain Robux the fastest by purchasing them for cash. However, you may also take advantage of the game's opportunities to earn free Robux.
When you sign up for satellite TV service through Dish Network, you probably notice the satellite dish installed on the exterior of your home or property as well as the receiver box connected directly to your television. But it's another, much smaller, piece of equipment that's key to your ability to watch and record television on your digital video recorder receiver: a smart card. Problems with this card interrupt your access to programming.
Smart cards contain embedded computer chips that store the card holder's identification information, while supporting cryptographic functions to enhance secure data exchange. When the user presents her card to a reader, the two devices automatically exchange information that confirms the card holder's identification. While the Smart Card Basics website indicates that smart cards are far more difficult to tamper with than magnetic stripe cards, they do have potential security shortcomings that can defeat the purpose of identity verification.
In some instances, it's possible to use a cellphone you previously used with a contract plan in conjunction with prepaid service, either from the same carrier or a different one. Whether you're able to use a deactivated contract cellphone with a prepaid card depends on what cellphone and what prepaid carrier you want to use.
PayPal's money transfer service allows you to send and receive money online using your email address as an account reference. When you want to fund your PayPal account or make a payment, there are several options available to you. Exploring how credit cards and prepaid debit cards are processed by PayPal may provide you an additional funding opportunity through your PayPal account.
Bank cards, including debit and credit cards, are a necessity in today's world. At times, you may need to cancel one, perhaps if you have lost the card or it has been stolen. Canceling an active card is straightforward; it is usually more difficult to close an account that you no longer use. The credit card industry is competitive, and most companies will try to keep you as a customer, sometimes by making it difficult to close an account.
Credit card balance transfers and consolidations require you to keep a few very important things in mind. Get tips on credit card balance transfers and consolidations with help from host Alexis Guerreros in this free video clip.
The Pennsylvania EBT Access card enables authorized public assistance recipients to receive food stamp, Medicaid and cash benefits from the Temporary Assistance for Needy Families program. The EBT Access card resembles and operates in a similar fashion as a generic debit or credit card. Learning how to properly use the Pennsylvania EBT Access card will help you better manage your benefits and reduce the likelihood of theft or fraud.
In Europe, people who subscribe to pay television, such as satellite service, usually have a set-top receiver box with a smart card or other device that allows for services which are not paid for to be scrambled. Some integrated digital televisions have the slot, as well. SmarDTV Conditional Access Modules, or CAMs, are used in these receivers. The SCM Cryptoworks CAM works with cable, satellite and terrestrial pay service. All updates to the CAM software with a Cryptoworks CAM is done securely over the air only.
Any time that credit card information is shared with another person, whether online, over the phone, or face to face, there is potential for misuse and fraudulent activity. Online transactions today with reputable online retailers are considered as safe as handing your card to a merchant. Despite advancements in online security, shopping with a credit card online does present other technical challenges that could jeopardize credit information security.
In most systems of bankruptcy, a debtor's assets are distributed to creditors. These systems help give debtors a "fresh start" while satisfying at least some of their debts. But some debtors stand in line before others, and these are known as preferential creditors. Which creditors count as preferential creditors is dependent on a nation's insolvency laws. Debtors contemplating bankruptcy in a nation with preferential creditor provisions should consult an attorney in that nation who specializes in bankruptcy law.
The American Opportunity credit is a tax credit available to almost everyone who pays for higher education, whether they pay from their own savings or through loans. The American Opportunity credit replaced the Hope credit in 2009. This tax credit is available for as many years as a taxpayer qualifies for it. Generally, the party responsible for paying tuition and education expenses is the only person who can claim this credit. For example, a parent who pays tuition and schooling costs for a child can take this credit, but the student cannot. The student can take the credit if she's…
There are four financial statements in accounting: balance sheet, income statement, cash flow statement, and statement of shareholder's equity. The balance sheet and income statement are the ones that use debits and credits for keeping track of the company's accounts. A debit has a certain effect on the financial statements and a credit has the opposite effect.
At one time, writing a check for gas or groceries was fairly common. However, the age of plastic has arrived. Most individuals pay for their purchases with either a debit card – which pulls the money directly from their checking accounts – or a credit card. Both debit and credit cards have specific policies in place that protect consumers. Those features, and the amount of protection they offer, can differ considerably.
Every transaction that occurs in an organization requires the accounting department to consider its financial impact. The accountant needs to record each transaction with a financial impact in the accounting records. Many companies issue debit and credit cards to employees to reduce the expense reimbursements it processes. Instead of reimbursing employees, the company either pays the credit card bill or adjusts its records for the debit transaction. The accounting entries vary depending on whether the employee used a debit or credit card.
Many department stores offer their own credit card. These cards work like a traditional card -- the department store approves you for an available allowance, and you can spend up to that amount. However, you can use your card only at the department store. Having these type of cards can help you credit score, but department store cards can also hurt your credit score if you don't manage them well.
The Automated Clearing House network provides the mechanism for consumers and banks to transfer payments among one another. According to the Southern Financial Exchange, the ACH network is the largest electronic payment processing system in the country. There are two types of ACH transactions: the ACH debit and the ACH credit.
The more debts you pay off, the more money you can save in accumulated interest. Less debt may also increase your FICO score. Thirty percent of your score is based upon how much debt you owe. It measures your credit utilization ratio, or how much available credit you have versus how much debt you have. The less debt, the higher this ratio and the higher your score. Creditors will often accept a settlement of your outstanding debt if you can make a lump sum offer.
For many couples, marriage is tough enough without additional problems caused by bad credit. Excessive debt and derogatory information on credit reports are indicators of poor credit. Couples in that situation entering marriage could face a lifetime of paying high finance charges, potentially costing tens of thousands of dollars over a lifetime. Couples can avoid this by discussing their credit situations before marriage and creating a two- or three-year plan for building excellent credit.
You may think that the difference between selling your house to a cash buyer as opposed to mortgage-backed buyer is negligible. Either way, you're still going to end up with the same amount of money in your bank account if they've both made the same offer. While this may well be the case, there are a number of advantages to selling your property to a prospective buyer who can pay with cash.
Accounting is a practice that follows defined procedures to accomplish the end goal of properly recording business transactions. This goal is obtained through the use of double entry accounting, which posts debits and credits to a general ledger.
Accrued interest is the amount of interest that you have not yet paid on your credit card account. Because credit cards often have high interest rates, experts advise consumers to pay off the principle and interest on their credit cards as soon as ppossible. Because of these high interest rates, those who only make the minimum monthly credit card payments may find themselves paying a lot of interest until the balance is fully paid.
Adjusting your personal or family budget when facing a reduced income will help promote sound spending practices and financial stability. When constructing a proper budget, it is important to analyze your current lifestyle and spending habits. Thoughtful considerations with regard to your actual needs and wants will allow you to make informed fiscal decisions, while reducing the burden associated with having a reduced income.
The American Opportunity Credit provides taxpayers with up to $2,500 per student per year. Part of the credit is refundable, meaning that you can get it even if you have no tax liability. You can claim this tax credit if you paid tuition for one of the first four years of undergraduate education for yourself, your spouse or someone you claim as a dependent on your tax return. Use a few key pieces of information to calculate how much your credit will be.
While looking to open a line of service with one of the Unites States' fourth-largest cellphone service providers, T-Mobile, you're often subject to activation fees and pricing on the latest cellphone models. However, if you're willing to ask, you can often find better deals when it comes to cellphones and even free or reduced activation fees. Even those without credit cards can usually take part in these T-Mobile cellphone sales.
The federal government and mortgage lenders offer refinancing assistance to homeowners struggling with credit challenges and falling home values. Programs including the Home Affordable Refinance Program and FHA-insured home refinance options are designed to assist homeowners who cannot qualify for conventional mortgage refinancing. Federal Housing Administration (FHA) mortgage underwriting guidelines allow mortgage lenders to qualify borrowers with FICO credit scores as low as 500 provided that applicants can meet FHA income and employment guidelines.
A chargeback is a refund process used by banks and credit card companies at the request and behalf of a customer. Typically, issuing a chargeback is a last resort for a customer to use if a merchant refuses or fails to provide a specific item, service or voluntary refund. Disputing unauthorized or fraudulent charges would also warrant a customer's request to initiate a chargeback. Before attempting to issue a chargeback on a merchant, it is important to prepare your case and reasoning as to why the chargeback should occur.
In the aftermath of a disaster or major loss, attempting to estimate the value of lost items can be difficult or even impossible. Taking time to estimate the value of items for insurance purposes should be part of personal financial planning, along with insurance policy reviews. Assembling a complete, accurate and up-to-date valuation list for covered items can help with insurance claims and provide support for potential insurance disputes. Estimating insurance values can be a simple project, with just a few steps.
One of the most effective ways of finding extra money to pay off credit cards is by cutting household expenses. Record and organize monthly purchases into categories, then construct and follow a budget and credit repayment plan to cut back living expenses and make larger payments to pay off credit cards faster.
If you've accumulated a mountain of credit card debt, it can feel like there is no light at the end of the tunnel. If you've fallen behind on your payments, it can exacerbate the sense of fear and hopelessness. Fortunately, you may be able to reduce what you owe and improve your overall financial situation through negotiation.
When you accumulate a credit card balance, you must make at least the minimum payment to the credit card company to avoid further collection actions. In some cases, the credit card company will sue you to collect the balance that you owe. In this situation, you may still be able to set up a payment arrangement.
Generally, the less of a credit card balance you carry, the better for your finances. Even if you use a credit card often but manage to pay off the balance each month, that usually leaves you in safe territory financially. However, you might still have concerns about how this payoff strategy affects your credit score.
Federal law requires credit card companies to tell you how much they're charging you in interest. But the interest rate they disclose -- annual percentage rate, or APR -- doesn't tell the whole story. That's because of the effects of compound interest; the more frequently the credit card company computes your interest, the more you end up paying. The "true" interest rate on your credit card, what you pay when compound interest is taken into account, is the "effective annual rate." It starts with your APR and takes into account how often the issuer compounds interest.
When you fall behind on a debt, your creditor will typically work with you to bring your account current. A creditor may offer several options, including post-dated checks and extended repayment agreements, to help you catch up on missed payments. However, if you refuse to work with your creditor or ignore collection communications, the creditor may opt to garnish your assets, which may include amounts held in prepaid card accounts.
You probably know that your unpaid credit card debts can cause you endless phone calls or letters from debt collectors, but you may be unaware that they can also affect your home ownership. When you have an unpaid credit card debt, the creditor can obtain a lien against your home by taking specific actions. The laws that govern this process differ depending on where you live, so consult an attorney if you need legal advice about unsecured creditors obtaining a lien on your home.
Like a rain cloud over your head, bad credit can follow you everywhere. It can affect your ability to find employment or buy a home, and may even lead to wage garnishment. However, you can climb out of the debt trap with firm determination and strong willpower. You must stop spending on frivolous items, but if you can stay firm, you could soon find yourself living a life free of debt stress, maybe even in the home of your dreams.
Credit cards, when properly managed, are a way to build and maintaining a high credit score. There are also several benefits and rewards that credit card companies offer consumers, such as frequent flyer miles, zero percent APR and cash back rewards. Depending on your credit situation, the best way to negotiate the rewards offered on your credit card is to begin negotiations before signing up for the card. A consumer with excellent credit has the best chance of negotiating attractive cash back rewards with credit card companies.
When you receive your periodic billing statement from your credit card provider, you will have a choice of paying your full balance, a minimum payment or any amount between the minimum and the full balance. Credit card companies calculate minimum payments by multiplying a set percentage by your credit card balance and adding any fees. Therefore, by subtracting these fees and dividing by the set percentage, you can manually calculate your credit card balance from your minimum payment information.
The Centers for Disease Control and Prevention reported the marriage rate as 6.8 out of 1,000 of the population in 2009, and the divorce rate in the same year as 2.4 for every 1,000 people. Any credit held jointly reflects on both partners, and poor credit habits and the failure to make payments means difficulties for both people in obtaining future credit.
When you have a joint credit card account, the company holds both parties legally responsible for repaying the balance on the account. However, you might be ready to close the joint account, either due to a divorce or other change in the relationship with the joint cardholder. Before you close the account, you must either pay off the balance or transfer it to one or more other credit cards. If you can't afford to pay your part of the balance right away, transfer it to a credit card account in your name.
If you depend on PayPal for payments as part of your business, it's important to know why PayPal may put a hold on credit card payments. It's also important to do as much as you can to protect yourself against this happening. If your transaction qualifies for PayPal's Seller Protection Program, holds on payments are lifted as soon as possible.
