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| Confirmation for email subscription |
| 2008-01-22 14:08:00 |
---------- Forwarded message ----------From: craigslist | all apartments in new york city <rssfwd@rssfwd.com> Date: Jan 22, 2008 10:01 PMSubject: Confirmation for email subscriptionTo: itimar@gmail.comYou have recently subscribed to receive email updates for 'craigslist | all apartments in new york city' http://newyork.craigslist.org/aap/index.rssThis subscription was subscribed with the email address: itimar@gmail.com . As a security measure, you will need to confirm your subscription before RssFwd can enable your subscription to 'craigslist | all apartments in new york city'.To confirm your subscription, please visit this url: http://www.rssfwd.com/rssfwd/confirm_email?id=314987&email=iti...
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| Bank Sohar launches Excel credit cards |
| 2008-01-21 02:15:00 |
The cards were launched at a press conference held yesterday at Grand Hyatt in the presence of officials of Bank Sohar and Visa, the service provider.The bank is making available three variants of its Excel credit cards to the customer starting with the Classic credit card.The Classic credit card’s unparalleled attraction is that it comes to the customer free for life — no annual charges to be paid throughout the life period of the card. The supplementary Classic cardholder also enjoys the same privilege. This benefit is for a restricted period and is being offered by way of an introductory offer only.
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| Credit card customers plan to transfer debt |
| 2008-01-09 19:06:00 |
AN estimated 2.6 million consumers plan to transfer credit card debt run up over Christmas to a new card this month, according to the latest research.Around 7% of credit card customers said they would be transferring outstanding debts to a new credit card in January in a bid to take advantage of 0% interest rate introductory offers, according to financial website MoneyExpert.com.But around 18% of people who ran up debts during the festive season are planning to stay put, despite the fact that they are likely to be paying interest averaging 16.82%.
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| Credit Card Users Win Cash |
| 2008-01-03 03:12:00 |
Tens of millions of credit card users received letters in the mail over the past couple of months informing them that they may be eligible for a refund of the currency conversion fees paid during overseas transactions. The settlement was the result of a lawsuit alleging that Visa, MasterCard, and Diners Club did not disclose the 1 to 3 percent fees they charged on foreign transactions.The paperwork, though, can be somewhat confusing. Some recipients even suspected the mailing was fraudulent. To help you figure it out, here are answers to some common questions about the lawsuit.
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| Credit card rates 'will continue to rise |
| 2007-12-29 17:26:00 |
Interest rates on credit cards are set to rise during the course of 2008, according to one expert.Samantha Owens, head of personal finance at Moneyfacts, states that although some providers may produce the odd low deal, "rates are going to continue to creep up".The head of personal finance states that this trend has been prompted by the recent credit crunch. "Obviously [credit card providers] have to bring the money in another way," she says.
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| Credit cards used by students for 'unmet' need |
| 2007-12-22 14:11:00 |
More than 50 percent of Maryland college students and families with "unmet financial need" use credit cards to cover education costs, according to a recent survey by the Maryland Higher Education Commission.State officials and experts called the findings a troubling echo of a national trend, though some financial aid authorities said that when used responsibly credit cards do not necessarily lead to unmanageable debt."This is a very dangerous way of paying for higher-education costs," James E. Lyons Sr., state secretary of higher education, said in a statement yesterday.
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| Hey, Taxi! Do You Take Credit Cards? |
| 2007-12-15 00:56:00 |
Credit card machines have now been installed in about half the city’s nearly 13,100 yellow cabs; all taxis are scheduled to have them by Jan. 31. From time to time, we have heard complaints about drivers refusing to take credit cards, or claiming that the machines were broken (some readers have posted complaints here on City Room). So the Metro Section decided to investigate. We sent out five reporters with instructions to try 20 trips each. They fanned out in Manhattan, boarded cabs and asked cabbies the question, “I’ve only got a credit card, is that O.K.?”We expected some resistance. Taxi drivers walked off the job twice in two months this year, largely because of new machines that
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| Lower Your Credit-Card Rates |
| 2007-11-29 12:33:00 |
I read your article about Coping With Credit-Card Rate Increases and was wondering if there's any chance I can talk with my credit-card companies and try to get them to lower my rates? I know that you've recommended that strategy in the past.You're right -- it never hurts to ask the credit-card company if it will lower your rate. Sometimes it works; sometimes it doesn't.The strategy worked quite well for reader Sam Sweet of Erial, N.J., who recently succeeded in getting three major card companies to roll back their rate increases on his cards.
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| Credit Cards Lose Ground to PayPal |
| 2007-11-21 04:31:00 |
PayPal's payment service is likely to show up on a lot of unusual sites this holiday season. On Nov. 20, PayPal released tools that let online shoppers use its service nearly everywhere online, even in cases where the merchant doesn't accept PayPal. Online shoppers can download a toolbar that lets them use a temporary Mastercard number when making a transaction. Payments are then withdrawn from the user's PayPal-linked credit card or bank account.
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| Morgan Stanley has slashed limits for thousands of credit card customers |
| 2007-11-13 11:34:00 |
Cardholders saw their borrowing limits cut by thousands of pounds last week, with immediate effect - but the card company now says that a quarter of the letters were sent out in error.Two readers who were told their credit limits could not be reinstated did have their old borrowing levels restored when The Daily Telegraph contacted Goldfish, which issues 2m credit cards under a variety of brands including Morgan Stanley.Captain John Cartwright from Yelverton, Devon, saw the limit on his Morgan Stanley i-24 card cut from £8,300 to just £600, while solicitor Brian Stone from Belper, Derbyshire, had the borrowing on his Morgan Stanley Platinum card reduced from £6,600 to £1,2
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| Slow Rise in September's Consumer Credit |
| 2007-11-08 11:49:00 |
WASHINGTON (AP) — Consumers borrowing increased in September at the smallest pace in five months as the growth in credit card debt and car loans slowed.The Federal Reserve reported Wednesday that consumer credit rose at an annual rate of 1.8 percent in September, the slowest since April's 1.6 percent mark. The September gain was about half what economists had expected.The sluggish growth reflected lower rates of increase for auto loans and credit card debt. That debt had risen sharply in recent months as consumers started borrowing more heavily on their credit cards once home refinancings slowed
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| Gift Cards with a Personal Touch |
| 2007-10-29 11:55:00 |
Visa's new cards represent the latest attempt to win back some of the billions that have been siphoned off from the traditional credit-card business. All the major card companies--American Express (AXP ), Visa, MasterCard (MA ), and Discover (DFS )--already sell gift cards of some kind. And no wonder: Spending on gift cards has grown at a 20% annualized rate since 2005, compared with about 7% for credit cards. More than 75% of all consumers are expected to receive at least one gift card this year, analysts say. The overwhelming share of that, however, goes to cards issued by stores, restaurants, and other such businesses.
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| http://www.iht.com/articles/2007/10/24/business/hack.php |
| 2007-10-24 12:05:00 |
More than 94 million accounts were affected in the theft of personal data from TJX, a banking group has alleged in court filings, more than twice as many accounts as the retailer had said were affected in what was already the largest data breach in history.The data breach affected about 65 million Visa account numbers and about 29 million MasterCard numbers, according to the court filing, which was made late Tuesday by a group of banks suing TJX over the costs associated with the breach. The banks cited sealed testimony taken from officials at the two largest credit card networks. A Visa official also put fraud losses to banks and other institutions that issued the cards at between $68 million and $83 million on Visa accounts alone, the filing states, the most specific estimate of losses t
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| Credit card debt continues to grow |
| 2007-10-18 19:22:00 |
AUSTRALIA'S reliance on credit has continued to grow with the total value of plastic transactions in a single month exceeding $18 billion.But CommSec economist Martin Arnold said increasing financial pressures had also prompted Australians to take a more cautious approach in their spending habits.Figures released today by the Reserve Bank of Australia (RBA) showed the total value of transactions made with a credit or charge card hit $18.015 billion in August.
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| Project targets credit cards on campus |
| 2007-10-13 15:13:00 |
A representative from a credit card company was on hand to seal the deal for complimentary food -- but only after students signed on the dotted line for a credit card.While the University of Illinois at Chicago prohibits credit card firms from marketing on campus, "the industry is trying to find its way around this," such as by enticing students to places like Subway, the student government president said.Thurman was among the speakers during a Wednesday teleconference organized by the U.S. Public Interest Research Group. The consumer group is spearheading an 18-month project to educate students about credit card practices and to urge colleges to adopt such credit card marketing principles as prohibiting gift giving on ca
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| Traders cautioned against credit card fraud |
| 2007-10-08 02:36:00 |
VISAKHAPATNAM: Police Commissioner N Sambasiva Rao has cautioned businessmen against being lax while accepting payments through credit cards, which are being increasingly used to commit frauds.Rao told reporters today that the responsibility of preventing credit card offences also lay on the traders, who should insist that the customers should show their identity proofs while remitting money through credit cards. They should also check whether the numbers on the credit cards and that of the counter foil slips are the same.Rao also cautioned the public against those who rob the valuables after diverting their attention. People should be equally cautious about the manner in which white-c
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| New directions as cards proliferate |
| 2007-10-04 06:41:00 |
Canada has become a house of cards – credit cards – and the glue that holds them together is loyalty rewards programs.As a nation, we carry more than 50 million of those brightly coloured bits of plastic in our wallet and every time they are used, Canadians tuck away points that can be redeemed for everything from airfare to toilet paper.The proliferation is staggering. MasterCard Canada alone says it has 626 individual card issuers and, with about 30 million cards now in circulation, it controls more than half the market. It may seem like another new card hits the street every month.One of the most recent is GE Money's MuniCard, which lets homeowners in Vaughan pay property tax bills with rewards points.
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| Expedia-branded Citi credit card introduced |
| 2007-09-30 08:26:00 |
Expedia Inc. said it's teaming with Citigroup Inc. to create a branded credit card using the Bellevue online travel agency's name.The Citi PremierPass/Expedia.com card will give users points for travel booked on Expedia and points for miles on airlines. It's an expansion of the two companies' ThankYou Rewards Network introduced last year."We heard from our customers that they want a way to earn points for all of their travel and across travel brands," said Paul Brown, president of Expedia (NASDAQ: EXPE), in a statement.
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| The truth about children and pre-paid credit cards |
| 2007-09-27 03:35:00 |
If your child has a pre-paid credit card, or if you have a prepaid credit card that your child could have access to, then you might want to read this. According to The Observer, children today are using pre-paid credit cards to fund alcohol, porn and to gamble online.When you purchase anything online it simply asks you for your date of birth and your credit card number. Very rarely do you have any other checks regarding your age. So this leaves a big opportunity for children under the age of 18, to purchase things that they really shouldn’t.
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| With credit card companies, the deck is stacked against you |
| 2007-09-23 05:35:00 |
Credit cards may look alike, but when it comes to how pleased people are with their plastic, the differences are dramatic, according to a recent Consumer Reports' reader survey. And it's not only because of interest rates, which vary widely from one card to another. Readers found major differences in customer service, billing headaches and hidden fees. The survey, conducted by the Consumer Reports' National Research Center, was based on more than 36,000 readers' experiences with nearly 62,000 credit cards. USAA Federal Savings, the Navy Federal Credit Union and a group of other credit unions scored the highest ratings for customer satisfaction. Those cards received high marks for bill-timing and problem resolution and
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| China takes to card culture |
| 2007-09-14 17:46:00 |
THE number of credit cards in circulation in China has more than doubled over the past year to more than 40 million as a credit culture begins to take shape in the country, according to a report released yesterday.Penetration rates remain well below those in comparable societies such as Taiwan and Hong Kong, leaving huge potential for an industry that should provide 13 billion yuan ( $2.06 billion) in profits by 2013, according to the report from McKinsey, the consultancy. But international banks remain barred from issuing credit cards in China and the card business is still unprofitable for domestic banks. The sector's growing potential increases pressure on Beijing to implement long-awaited rules allowing foreign banks t
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| China takes to card culture |
| 2007-09-14 17:46:00 |
THE number of credit cards in circulation in China has more than doubled over the past year to more than 40 million as a credit culture begins to take shape in the country, according to a report released yesterday.Penetration rates remain well below those in comparable societies such as Taiwan and Hong Kong, leaving huge potential for an industry that should provide 13 billion yuan ( $2.06 billion) in profits by 2013, according to the report from McKinsey, the consultancy. But international banks remain barred from issuing credit cards in China and the card business is still unprofitable for domestic banks. The sector's growing potential increases pressure on Beijing to implement long-awaited rules allowing foreign banks t
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| Raising the age limit on credit cards |
| 2007-09-09 21:19:00 |
With the debt crisis being as critical as it currently is, debt management groups are blaming part of the problem on younger credit card applicants. They say that by upping the age limit on credit cards, it will help to stop the younger generation from getting into so much debt. So just why do younger people have such a problem with credit card debt? Well it seems that it is down to irresponsible spending. Younger people do not have much of a grasp on credit cards and the trouble they can get themselves into. Money has never really been an issue for many people aged from 18-24 and in many cases they are still living with their parents. So they do not have much of an idea of responsibl
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| Credit-Card Survival Guide |
| 2007-09-05 03:42:00 |
• Well, here's a simple one: Pay your balance in full. It's much easier said than done, but there's no question that you should, if you can. You don't want to pay interest on your purchases.• Don't be fooled by a teaser rate. These flirtatious rates are temporary. Credit-card companies try to dazzle consumers into applying for a credit card with offers of 0% APR, or annual percentage rate. Savvy consumers can take advantage of these rates, but just be sure you know how long they last, and what that pretty rate will morph into after it expires.
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| Credit cards: The next crisis? |
| 2007-09-03 02:53:00 |
A number of traders believe that households struggling to meet the soaring interest costs on their mortgage payments will use their credit cards to pay the debts in the short term. That could put credit card repayments under pressure alongside mortgage payments. If consumers begin to miss payments on credit cards, many of these CDOs could have their credit rating cut. Given that those CDOs have been used as collateral against other debts in the market, that could spark a fresh bout of contagion in the market.
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| Mobile phone credit cards |
| 2007-09-01 08:44:00 |
They will be able to make a payment by simply waving their mobile over a merchant's contactless reader. In the future, this technology could improve service times and lead to less queuing for customers. The merchants -- there are expected to be about 30 named for the trial -- have not been finalised, but trials in the US and parts of Asia included fast-food restaurants, cinemas, petrol stations and supermarkets. If stolen, the NFC-enabled phones must be reported stolen immediately -- similar to a credit card.
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| Credit cards charging "ingenious" new fees |
| 2007-08-30 02:19:00 |
LONDON (Reuters) - Credit card providers are finding new ways to make more money from their customers following a crackdown on penalty charges, a consumer group warns.Which? found that banks and building societies are using a range of ways to boost their revenue, after the Office of Fair Trading (OFT) ruled that charges levied when customers fail to make the minimum payment on a bill were unfair.
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| Credit cards ought to include photo ID |
| 2007-08-28 04:26:00 |
Recently we had a Lowe's credit card number used to buy $1,387 of household items in Vero Beach, Fla., while we are here in Hendersonville.We only found out when the invoice was mailed to us. We have notified all and happy to say Lowe's is not holding us responsible. Now if there were a photo ID on that card, it would have raised some suspicion before the card was processed. I'm suggesting that we all contact our credit card suppliers and let them know we would prefer to have a photo of ourselves on our cards. All we need do is send a snapshot in and they could superimpose it onto your card in the front upper right corner.
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| Credit Cards Boosting Fees |
| 2007-08-26 03:56:00 |
Although issuers have the right to change the terms and conditions of customers' cards at any time, they will usually notify you in advance and give you the chance to opt out of any changes. To do so, you will typically have to call a number or send a letter to the company by a certain date. In many cases, customers will be able to pay off any balances under existing terms, although you may be forced to close the accounts.A number of lenders are tightening their credit standards and raising fees given concerns over a slowing economy and a changing interest-rate environment. Many lenders, for example, are becoming more cautious about extending credit to people in weaker housing markets and to
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| Plastic spending increases |
| 2007-08-24 14:47:00 |
People in the UK made more and more purchases on their debit and credit cards in the second quarter of the year, new figures show. Data released by the UK's payment association, Apacs, shows that Brits used debit and credit cards to make 1.7 billion purchases in total during the three month period. These purchases were worth a total of £87.2 billion - 10.9 per cent more than in the second quarter of 2006.
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| Credit card charges |
| 2007-08-22 13:33:00 |
Following a report last April from the Office of Fair Trading (OFT), which revealed banks were issuing unlawful penalty charges amounting to more than £300 million each year, the credit card industry has been under increased scrutiny. In March this year, the OFT decided to step up its informal monitoring to a full-on study, having received hundreds of thousands of customer complaints since its first warning.Unsurprisingly, industry figures gave a cool response to the findings, but consumer watchdog Which? was more welcoming, expressing 'delight' at the acknowledgement that "credit card companies have been fleecing their customers with unfair, sky high credit card charges" for years.
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| Using credit cards wisely |
| 2007-08-19 20:31:00 |
Credit cards are a convenient way of paying bills and covering daily expenses, but they make it far easier for the financially challenged to carelessly increase debt, cripple their credit rating or fall prey to identity thieves.In the book "On My Own Two Feet," Manisha Thakor and Sharon Kedar, both chartered financial analysts, offer seven guidelines for responsible credit card management:• Watch those interest rates! Credit card companies often lure clients by offering low interest rates in the beginning. But these rates tend to shoot up after the introductory period expires. Worse, sometimes you never even get the rate you think you signed up for because it's only available to those who "qualify," and unbeknownst to you
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| Credit card company to pay consumers back |
| 2007-08-18 00:48:00 |
Some New York consumers will be getting some green back in their pockets.After an investigation by the state's attorney general found First Premier Bank guilty of illegal marketing tactics. The bank would advertise credit cards to people with poor credit ratings. The South Dakota bank will now pay back as much as $4.5 million in refunds.
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| Gold passe, platinum credit cards in for banks |
| 2007-08-16 02:39:00 |
Till a few months back banks like Citigroup, Deutsche Bank and American Express were offering high-end credit cards under the "platinum" and "signature" series, but today nearly all major players are offering such instruments that come with larger credit limits as compared to the lower-end silver and gold cards.Typically, silver and gold cards offer credit limits of Rs 20,000-60,000, whereas the cap on platinum and signature cards goes into lakhs. American Express India Vice President (Engagement Brand and Lending) Amit Dutta said the bank was targeting high-value customers for its platinum cards.
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| Avoid using credit cards for gambling |
| 2007-08-14 02:08:00 |
Online gambling has become increasingly popular in the UK over recent years, and many people gamble online every week, from online slot machines and bingo, to sports betting, poker, and more.Many banks have already put a proportion of the rising bad debt levels down to online gambling addictions, and this is particularly true of credit cards, which is how many gamblers fund their habit. Many sites have stopped accepting credit card payments for gambling now, which for many is a relief as it means that they no longer have this line of credit available in order to gamble and risk it all.
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| A Taste for Credit |
| 2007-08-12 01:03:00 |
Sending a child to college this year? You need to do more than buy dorm room goodies, top up cell phone minutes, and encourage serious studying. You need to prepare your undergrad for the onslaught of credit card offers that bombard today's coeds when they reach campus.When I got my first credit card, I was a freshman in college and utterly broke. Dangling the promise of $500 was like offering a trip to Hawaii to someone who didn't have bus money to ride around town. Suddenly, I could join friends in their quest to find Williamsburg's best all-night diner, offer gas money when we went on road trips, and get my hair cut by someone other than my roommate. It was great. But, in retrospect, I shudder to think how little I really understood about credit cards,
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| Gold and platinum credit cards |
| 2007-08-10 01:06:00 |
A gold or platinum credit card can feel like a symbol of prestige to some people. They can feel like a real status symbol to some holders. A higher level of income is usually required and they are typically only available to people with a good credit rating. Perhaps therein lies the reason that people like it known that they own a gold or platinum card. In most cases the interest rates do not differ greatly from regular cards. These symbol cards usually offer higher cash withdrawal and credit limits than standard cards. Gold or platinum cards also more often than not have other benefits for their holders, which may include travel insurance, purchase protect
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| Capital One to buy provider of prepaid debit cards |
| 2007-08-08 12:24:00 |
NetSpend Holdings Inc. is the parent of Austin, Texas-based NetSpend Corp., which has more than 1.5 million active customers nationwide, according to McLean-based Capital One, a financial services company with 725 locations in New York, New Jersey, Connecticut, Texas and Louisiana.NetSpend's retail network includes more than 15,000 locations where cards can be purchased and 50,000 locations where funds can be loaded onto a card.Capital One officials say the purchase of NetSpend will deepen the company's presence in the prepaid debit card business, which is growing, and complement its offerings in credit cards and debit cards.About 70 million U.S. citizens lack or choose not to have a trad
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