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Lower Credit Card Processing Fees These days it is mandatory for merchants to use terminals for payment processing. As credit cards are being used by people across the world, because of its benefits and perks. People don't like to use cash for payments anymore, they'd rather choose debit, credit or other modes of payment, like Apple Pay. If you are a merchant who does not accept credit card payments there is a high possibility that your business is not doing as well as it could do. Therefore...
Save credit card processing fees It may not look like a lot to pay in the beginning, however, if you are a small business owner you might end up paying a lot of fees to the Credit Card processing companies. Credit Card processing fees are unavoidable but you can save money paying fewer fees. Here are a few ways on how you can save credit card processing fees. Negotiate: Credit card payment processing companies some time are ready to negotiate on the fees that you pay them. Especially if...
If you are a small business owner, you understand the importance of credit card equipment leasing. By purchasing equipment, it will affect your substantial cash flow. This equipment leasing will also keep your business functioning at optimal performance also to meet increasing demand. This equipment leasing concept is we will lease equipment for a specific period of time as per the merchant’s option. Once the contractual time got over, we must return the equipment. This is also...
A Credit Card is a tool which helps its user in carrying out instant cash transactions on a credit basis. It is based on the promise of the cardholder to pay the entire amount spent through the Credit Card at the end of the billing cycle to the issuer of the Credit Card, or with additional charges post the bill date. A Credit Card is quite different from a Debit Card wherein your expenses are directly linked to the balance in your account. Instead, a Credit Card works on the concept of...
The number of individuals carrying more than one credit card is growing at a staggering pace in the country. The need for another card may arise from the desire to have a higher spending capacity, the idea to improve one’s credit score, the desperation to settle the debts on the existing card(s)) through the balance transfer facility, and several others.  Prominent benefits of getting another credit card  Access to a higher credit limit: If you are struggling...
The idea behind personal loan balance transfer to a credit card involves transferring the unpaid principal loan amount from one bank to another to get an either a decreased rate of interest or an increase in loan repayment tenure or maybe both. Thus the burden of debt on the borrower can be reduced considerably through this process. A balance transfer is not advisable when only a few years remain in the repayment schedule, and more than half the loan amount has been settled already. Some other...
While ideally staying away from debts is the best way forward, this may not always be possible. Most of us are living in a world, where we are barely able to manage between expenses and income. In such situations, it is quite apparent that we might need to look for borrowed funds for various reasons. It could be for a medical emergency, a sudden travel, buying a mobile phone, or some other consumer durables or even for booking a dream car and much more.   Hence, whether it is desirable...
According to the Reserve Bank of India, 18.57 million people used credit cards back in 2013. This figure increased to 41.03 million by mid-2018. The rising figures show how swiftly cashless transactions are taking over the market. That is why; different financial companies are providing beneficial offers on credit cards.However, so many choices and their utilities in the market often confuse prospective individuals to avail the best credit card.  A credit card does not aid only in online...
A subscriber identification module (SIM) is an integrated circuit which is used to store the IMSI number. The SIM cards consist of memory capacities such as 32KB, 64KB, 128KB and 256KB. SIM cards are primarily used in GSM phones, CDMA phones, LTE handsets, and satellite phones. There is an interesting move toward wearable devices as companions to smartphones and other mobile devices, such as smartwatches, health bands, glasses and smart clothes, which present a growth area for smart-card...
If you own a credit card or planning to take one, you need to be clear of its use. Since using it wisely can help you manage your finances better while its careless use can also land you into big troubles. You might have been familiar with several cases, be it your neighbors, friends, or relatives. The reason for it is rising inflation has lead to household income struggle for long. People have started using a credit card offers more instead of cash and hence spend more than that they have...
Credit cards give you various rewards, and benefits and so many of you avail of multiple credit cards to maximize the reward earnings on your transactions. However, credit cards come with considerable interest rates if the dues are not cleared on time. That is why when you have too many cards to handle, you might want to close one or two of the cards which are not being used frequently. Closing a credit card application is not a big deal. You can do so whenever you want. If you are confused...
So, you are advised to have some specific credit cards to improve credit score. It is a good advice. Credit cards can play a significant role in increasing your credit score. However, credit cards are also known for causing serious damage to the credit when the card holder falls short of paying credit card balance. Credit cards leave a high impact on your credit score as it tells how you manage and pay off debts. 35% of your FICO score is based on the way you handle your debts. Credit...
Travelling is amazing, especially backpacking. It all comes at a cost that we always cannot afford. Credit cards are the best option we turn too in such situations. A travel credit card provides you with that extra credit you need while on a trip. A good credit card gives you credits in your country, a better credit card gives you credits all around the world, and the best ones cover your travel, commutation and luggage costs along with insurance. A travel credit card today earns you free...
  The fact cannot be denied that a credit card is a convenient way of making payments and keeping a record of your purchases as well. As a student, you may be having lots of expenses (important project or making a presentation) and if you have a credit card then it is much easier to meet all those expenses.   Since you are a student, you have different needs as compared to a professional and the best part is that the banks do offer special credit cards to cater such needs. So,...
Credit cards are generally referred to as debt traps. The dangers of possessing a credit card is well known. In addition to paying the credit amount along with interest, there are multiple charges levied. If a credit card is not properly handled, the credit card holder can rack up huge amounts of debts which can cause damage to the person’s credit score. Despite there being many disadvantages to owning a credit card, there are ways by which the card holder can save money from it as...


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