Tuesday, October 31, 2006
Temporary Credit Card For Purchasing Gift
If you want to buy something online then you must have credit card but you don’t want to have a credit card may be because you don’t trust the server, the service, the company or the process of paying online.
You can have a temporary credit card if you don't want to get a regular one. You can purchase such card as a gift for someone or just buy it for yourself. You can put a certain amount of money on the card and use it as it was a long-term card. The best thing about these temporary credit cards is that with them you can pay for a one-time service or product. You enter your credit card number when you sign up for services, memberships or subscriptions and they charge your card. When you don't want to get subscribed for a year but a just a month or two, then paying with temporary credit card is better as you won't have to unsubscribe from the service, your credit card will expire and you won't be buries under thousands of fees.
Friday, October 27, 2006
Visa Central Travel Account Program
Visa International introduces the Visa Central Travel Account Program throughout Latin America and Caribbean, a special corporate card account designed to provide companies with greater control over travel expenses and more efficiency in the accounting and reconciliation processes.
The product works through a corporate account set up to reside within the travel agency, with no requirement for card issuance. The account is issued by Visa Member Banks to their corporate clients allowing them to make air ticket purchases and pay for hotel stays and automobile rentals worldwide via its account network.Among the benefits that the Visa Central Travel Account program offers to companies are cash flow optimization and web based tools to track expenses. In addition, they can also offer their employees added services, such as international traveler accident insurance.
This innovative program--a payment solution that complements the Visa Corporate card--is now being offered in Argentina, Brazil, Chile, Colombia, Mexico and Venezuela.It is amazing how one can American Expreess Travel Reward Credit Card do everything here.
Monday, October 16, 2006
Applying For A Visa Credit Card
There are some other things you will also need to keep in mind when applying for a visa credit card that include introductory APR, period of the intro APR, regular APR, balance transfers, annual fees, and the credit required for that particular card.
For instance, many credit card companies will promote their credit card with a low introductory APR. This means that the interest on the credit card is considerably lower, or free, for an introductory period of time and then it will change to the regular APR.
If you are considering applying for a card with a low introductory APR then make sure you know how long the introductory period lasts. This is very important and will affect the interest fees applied to your balance, so it is worth finding out before you get the card.
Also, if the introductory period APR is 3% and the regular APR is 20% then you probably want to simply skip this visa credit card or only use it during the introductory period. Make sure you evaluate the regular APR of the visa credit card while you are evaluating the introductory APR and the period of time it exists because these all go hand in hand.
Whether or not the visa credit card accepts balance transfers is also a question you will want to ask. If the card does accept balance transfers and has a low APR you can transfer your balances from other visa credit cards that have high APRs and save yourself money on interest rates.
You should also read the fine print regarding the visa credit card as well, especially the information regarding fees such as annul and over limit fees. You do not want a visa credit card with an annual fee because there are so many cards that do not charge these fees. Also, make sure you are aware of the fees associated with over limit and late payments so you know.
And finally, make sure you know the type of credit required for the cards you are applying for. If the cards require good to excellent credit and you have fair credit, then you will not be approved. This is because your credit score is used to determine whether or not you receive a credit card, and if you do not have the minimum score you will not receive it.
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