Question by awill110: How can I get my credit card company to report account information?
I got my credit report today and it shows that my total credit amount is $ 300 and I have $ 296 available. After further inspection I noticed that only one credit teased had reported a credit limit/max balance and that all of my credit cards hadn’t been reported since April. Is there an effective way to contact the credit card companion and get them to report accurate and up to date information to the credit bureaus? I feel that this publishing is affecting my credit score, so I would care to fix this.Thanks in advance.
Best answer:
Answer by theoutlawmtomsik
Contact:Experian, Trans union or Equifax
What do you think? Answer below!
Posted January 25th, 2012 in Credit Card | Comments Off
The NFEC Releases a ‘Fake Student Credit Card’ to Teach Personal Finance Lessons to College Students.
(PRWEB) January 19, 2012
The National Financial Educators Council announces the release of the Student Experience Card, a phoney credit card application that provides a lurid fiscal education. This larning tool is uncommitted to choose universities that desire an efficacious tool to instruct personal seed to college students.
A ‘shocking’ situation frequently gets people to straightaway view their actions. Whether it’s most getting into an accident because a person was looking at their phone or circumstantially carbon copying a group of people a personal message meant for one person – during that time of ‘repent’ is an idealistic time to alleviate behavior change.
The NFECs’ Experience Card is a fake credit card application that lures college students to apply for the credit card with teaser rates and favorable terms. However, upon closer exam of the terms and conditions, the students realize that just reading the advertising and not the complete terms and conditions tin put them in unfavourable financial situations.
The Student Experience Card entices students to apply with ‘sleeking’ advertising that mentions a $ 100 bonus and instant approval. Students who apply must check off that they have read and agreed to the terms and conditions which clearly state an APR of 99.9% and a $ 297 annual fee which is owed immediate upon acceptance. These terms are also highlighted on the “page to claim their $ 100 bonus”. Upon reading the message students are prompted to lag a few steps to “get a refund”. This is where they learn this was a fake credit card application designed to teach personal finance lessons.
“I freaked out,” states Jacob a student from the Orange County High School of the Arts. He continues, “The website made it sound like a great student credit card for me but when I found out I owed $ 197 dollars I didn’t know what to do. As I tried to get my refund, I found out it was fake and was very relieved. From now on I will always read everything that I am applying for.”
The NFECs’ Student Experience Card was designed to take students on a ‘emotional learning rollercoaster’ to facilitate long-term changes in behavior. Leveraging negative emotions like fear and regret can make a lasting impact on those that go through the application process. This unique method of teaching personal finance has been found by the NFEC to be effective in improving retention rates and improving peer-to-peer discussions of financial matters.
The National Financial Educators Council has been credited with ‘revolutionizing how financial literacy is taught’. Their youth programs include the Real Money Experience, Money XLive and the Student Experience Card. These unique programs connect with youth in a way they relate to and inspire them to improve their personal financial capability.
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Posted January 21st, 2012 in Credit Card | Comments Off
Partnering With Amazon Launch From Digital Marketer Reveals Insider Amazon Marketing Secrets
Austin, TX (PRWEB) January 13, 2012
Digital Marketer has released a new ebook called Partnering With Amazon. Written by top marketing experts Ryan Deiss and other Digital Marketer associates, it is intended for marketers and gives a complete introduction and detailed signup steps to get many types of products onto Amazon.com, including physical products, self-published books through Create Space, CDs and DVDs, and anything else that is sold on Amazon.
Partnering With Amazon reveals to marketers the extreme benefits of using the Amazon.com webspace to setup and promote products. The ebook points out that the process is easy and shows you exactly how to do seven different types of online stores that can be setup on Amazon.com.
One big advantage of Amazon.com is the pricing. Digital Marketer points out that “Whether you are selling or reselling new, used or overstock items, Amazon makes it very easy for you to upload them into their ecosystem. This is by far the simplest way to get in front of millions of customers. It costs nothing to display your products online. What’s more, Amazon collects a nominal 99 cents for any item sold.”
Another huge benefit of Amazon.com is the amount of buyer traffic that is visiting the website every day, Digital Marketer says. “Amazon is getting anywhere from 50 million to 100 million eyes on its site every month. The average Amazon user is female over 35 without children and making over 60 thousand USD per year, traditionally one of the higher spend demographics. 61.1% of Amazon.com users live in the U.S. Amazon.com’s average user visit is eight-and-a-half minutes. Amazon Prime’s large customer base consists entirely of users who have already processed a payment method and are ready to act on an impulse to buy.”
Anyone trying to sell physical or digital products online will quickly learn that setting up a website can be a lot of work. Digital Marketer points out in this ebook that Amazon.com gives you a website for free and almost anything you need to be successful with your online sales.
“Customers pay by credit card; Amazon handles the transactions and direct-deposits the net proceeds of sales into your bank account every two weeks. Amazon also assigns shipping credits so you don’t have to worry about shipping charges. In fact, you can even outsource all shipping to Amazon by shipping your products to one of their distribution centers.”
For more information you can download the Partnering With Amazon ebook, published by Digital Marketer. To join Digital Marketer and have access to expert data and training from the leading experts in marketing in the world, visit the Digital Marketer website, designed for marketers who want top information that will help them succeed.
About Digital Marketer
Digital Marketer is the world’s leading online marketing newsletter with over 5000 members world-wide. With a panel of 16 of the nations most knowledgeable, talented and experienced marketing experts, Digital Marketer leads the future of marketing for the next century. Their philosophy on investing and marketing is simple: what worked yesterday won’t always work tomorrow. FRESH accurate ideas backed by “data is power” in all things marketing.
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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Posted January 17th, 2012 in Credit Card | Comments Off
Question by sweetie090: Where can I get a credit card that will guarentee approval?
I have been applying for credit cards everywhere and it seems that since I have no credit that I won’t be approved for one. Well the whole point in me getting one is so that I can BUILD credit. I have looked at EVERYTHING, including student credit cards and cards that are “beginner cards” and don’t seem to be having any luck. I would prefer a VISA, MasterCard or a Discover card. Where can I apply for a credit card where I can GUARANTEE that I will be approved.But I want one that doesn’t have an annual fee. I don’t care how high the interest rates are since I will always pay everything rearward now (again, this is just so I tin start to build some credit).
Best answer:
Answer by Ryan M
LOL….there is no such thing as a 100% guaranteed approval. Do you really think that there is a bank out there that issues cards to people with no job, bad credit, under 21, and a mountain of debt already??
Give your answer to this question below!
Posted January 13th, 2012 in Guaranteed Approval Credit Card | Comments Off
Question by : i have fair credit is there a certain credit card with chase that you recommend?
is it a guaranteed approval?
Best answer:
Answer by ?
no it is not guaranteed but if they have recommend it, it mean that there is a good refresh you should get okayed for it based on the information that was put it in.
Give your answer to this question below!
Posted January 9th, 2012 in Guaranteed Approval Credit Card | Comments Off
L2C and Zoot Promote Growth in Credit Card Acquisitions for the Financial Sector
Atlanta, GA (PRWEB) June 30, 2011
L2C, Inc., a leader in delivering advanced consumer intelligence solutions, announced today its partnership with Zoot Enterprises, Inc. Zoot is a leading provider of credit decisioning, loan origination and credit risk management solutions. Joint clients of this partnership benefit from increased approval rates in credit card acquisitions without taking additional risk.
“Our clients consistently show a 15-20% increase in customer acquisition growth rates, at existing risk levelling, following the implementation of L2C solutions,” stated Mike Mondelli, CEO for L2C. “Our data is invaluable for helping issuers increase portfolio growth by identifying more credit-worthy consumers. As a result, L2C’s client base reports significantly improved metrics in numerous areas including marketing, acquisitions, up-sell and cross-clear activities and overall consumer risk assessment.”
Portfolio growth and increased revenues are top priorities for financial institutions today. They need the ability to identify more prospects to present with offers of credit. Customers with limited banking or credit experience can’t be evaluated using traditional data sources alone. Integrating L2C data into the decisioning managing for credit cards in the financial services and retail industry brings in the additional insight to approve more customers with less risk.
Zoot has an agency agreement with L2C to supply data for making credit decisions in an instant prescreen environment. Zoot’s self-governing portal to a network of integration-quick data and service providers, such as L2C, provides its clients with speedy and leisurely incorporation of alternative data into credit decisioning processes. This decreases the cost and time associated with maintaining multiple connections with multiple vendors. Providing an instant decision improves the likelihood a customer will accept the accost, furthering higher customer acquisition rates.
“As the market turns around we are seeing a resurgence of co-branded credit cards and a push for account growth. L2C and Zoot support the acquisition process for retailers and card issuers in this space. The ability to access more comprehensive data and make credit decisions in realtime boosts acceptance rates while reducing costs and minimizing risk for our clients,” said Dennis Dixon, president of Zoot Enterprises.
About L2C
L2C is the nation’s leading provider of advanced consumer scoring and analytics solutions. L2C leverages alternative payment and asset data to create unexampled predictive credit, collection and marketing scores for over 260 million Americans. L2C’s clients incorporating leading institutions in the financial service, retail, healthcare, automotive, telecommunication, and media and entertainment industries. For more information regarding L2C or its products and serve, please visit http://www.L2C.com or contact L2C at 404-601-3420.
About Zoot
Bozeman, Mont.-based Zoot Enterprises, Inc. provides comprehensive credit decisioning, loan origination and credit risk management solutions to enable clients’ unique business objectives, leading to long-term relationships with top U.S. banks. Zoot’s rapid, high-volume processing environment is designed to process billions of transactions per year. Visit http://www.zootweb.com or call 406.556.7555 for more information. Zoot thought leaders are now featured on http://www.zootweb.com/blog/.
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Posted January 5th, 2012 in Instant Approval Credit Card | Comments Off
Question by thischickrocks71: unsecured credit card with instant approval?
Best answer:
Answer by Ben
Not sure what you are trying to ask, but well, yes, credit cards are unsecured loans given to individuals.
The bank of issuance of the credit card would just require your photocopy identity card and i believe your salary statement for the previous 3 months. If you already have a credit card in hand for at least a year, they might just photocopy your identity card along with your existing credit card.
The reason why they can provide instant approval is that they will perform a quick checking with the banks combined database. And if you’re not defaulting in huge debts, viola, u get your credit card.
Know better? Leave your own answer in the comments!
Posted January 5th, 2012 in Instant Approval Credit Card | Comments Off
Question by Em S: Can I transfer an account on a credit card with annual fees to a card that doesn’t have annual fees?
I’m trying to get a credit card or personal loan. American Express and Chase both refused to give me credit cards with no annual fee. I’m going to ask my bank to give me a loan or credit card. I have a good payment history with them, and I’m close to paying off my car loan. If they deny me, my only other option will be to get a card for people with no credit or bad credit. I need to get my car tagged and pay taxes on it (It’s a newly purchased car.) I found a couple of cards that guarantee approval. But they have annual fees, been set-up fees, and yearly monthly service fees…If I get one of those cards through a major company, like Mastercard, would I be able to eventually transfer the balance or account to a different card without annual fees?
Best answer:
Answer by Lys C
If you have a good enought FICO you may be able to eventually convert the card over.
Give your answer to this question below!
Posted January 1st, 2012 in Guaranteed Approval Credit Card | Comments Off
Small Business Assistance Lending Program Gains Massive Response this Quarter, Approving All Applicants in Business 6 Months or More
Small Business Assistance
New York, NY (PRWEB) July 30, 2011
The 2011 business loan denials of 92% small business applicants has resulted in an increase of bankruptcy filings among small businesses across America thus far, reports Merchant Cash in Advance.
Unsecured business loan provider, MerchantCashinAdvance unexpectedly announced a Small Business Assistance Campaign this week, giving a guarantee approval of funding any business in business for 6 months or more.
The popularity of this Small Business Assistance lending program was inevitable, as the terms of approval are a dream come true for small businesses.
For starters, the Small Business Assistance program does not rely on the business credit or personal credit of the applicant. In fact, the application process does not even involve a credit check. Additionally, the Small Business Assistance funds loaned to the business are unsecured- meaning the business applicant does not put down any collateral.
Uniquely, the program purely bases the loan amount on the business’s performance for its last 6 months of business. Essentially, the dollar amount of the loan typically equates to 1 1/2 months of the business’s gross sales. Although similar unsecured business loan programs have been presented in the past, this Small Business Assistance Lending Program differs greatly in its method of payback:
All applicants has a 12 full months to pay back the amount of the loan, with the option to pay sooner.
Business loan amount borrowed is paid back by a percentage of sales. This amount is chosen by the applicant, not the Small Business Assistance provider.
Each applicant is not required to change merchant account providers or make credit card processing changes.
Since its release, this assistance program has grown exponentially in popularity, funding an upwards of $ 600,000 to small businesses this week.
Small Business Assistance Inquiries: 877-875-0231
http://www.MerchantCashinAdvance.com
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Posted December 24th, 2011 in Guaranteed Approval Credit Card | Comments Off
Question by Random: online it says walmarts credit card is an instant approval, but i got declined?
http://www.creditcards.com/credit-cards/walmart-moneycard-visa-prepaid-card.phpthat website says its an instant approval (i have no credit, which is why i was declined) but its saying they dont flush run your credit, is that website lying, now im really confused as to why i was declined, also how long should i wait to re apply, im 20 btw, ill be 21 in mayno its def. approval, i tin read, it says instant approval, no impute check
Best answer:
Answer by Let me steer you
What that means is “Instant decision”. It’s a misleading statement. Rather than having to submit an application and wait weeks for the decision to come in the mail, you get an instant decision.It’s not always an approval.
Give your answer to this question below!
Posted December 8th, 2011 in Instant Approval Credit Card | Comments Off
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