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Credit, now more than ever, has become the financial lifeblood of the American consumer. More people are getting credit cards and building a credit history. However, many people overspend, and develop bad credit on the credit cards they have used to make these purchases. This is because very few individuals have a clear understanding of what credit is and how credit is determined by our country’s lending institutions. What’s even worse is that many of these same people don’t even know that they have been developing bad credit on Visa or any of their other credit cards they might own.
But you can help take control of your credit score at MyCreditTree.com. At MyCreditTree.com we create credit awareness to help individuals build, rebuild or reestablish their credit. We offer an assortment of tips and tricks to help you with your credit score. You can also find credit monitoring services to help you watch your credit cards for bad credit activity. You can also keep your eye out for any suspicious credit activities.
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There are still many credit card companies willing to lend to bad credit credit card holders to help these individuals reestablish their credit scores. MyCreditTree.com can help you find these companies. We can also help you to continue to improve your credit score and lower your monthly payments by making it easy for you to transfer your current bad credit on Mastercard or other bad credit card balances. In addition, if you are looking for bigger loans, such as car loans, house loans, student loans, or any other kind of loans, MyCreditTree.com can connect you with a lender regardless of your credit history. This includes offers for personal loans for bad credit history clients. So, take control of your credit and star
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10 Best Virtual Credit Card ( VCC ) Providers In 2017 For Secure Transaction
Are you looking for a list of Virtual Credit Card ( VCC ) Providers ? I’ve listed here 10 popular VCC providers that can help you to transact your money securely. You can find many VCC providers on the internet but all of those are not trusted, but these VCC providers are very popular and used by thousands of internet users everyday.
VCC ( Virtual Credit Card ) is also called as Prepaid credit card. Virtual credit card helps you to load fund from your bank account to your #VCC account for secure online transaction. It could be very helpful for those, who don’t have credit cards. Most of online transactions require credit card and if you don’t have a credit card, you cannot purchase something from international online #shopping sites or eCommerce websites .
If you are an Indian, you will need a credit card to buy hosting space, pay advertising fees etc from any international website. VCC is one of the safest ways to pay money online. In this article I have written about some popular Virtual Credit Card Providers, you can try any of these for secure online transactions. Recently some Indian banks also allowed debit cards for international payments such as Axis & ICICI . You can now use debit cards of these banks to purchase any item through PayPal .
1. Payoneer – Payoneer is one of the most popular payment processors for Global Payment. Payoneer offers prepaid mastercards that can be used as Virtual credit card to pay money to thousands of websites. Payoneer charge small fee to users. Payoneer allows users to create free account to receive and send money to global sites.
2. Entropay– Entropay is one of the best VCC providers that can help you to create your Virtual Credit Card free of cost. You can create your card by verifying your address and card information. Entropay charges small fee in each transaction. You can load fund from your bank account to your Entropay VCC.
3. Netletter VCC – Netletter is one of the best alternative to PayPal and it also offers prepaid Mastercard that can be used as VCC for secure online transactions. Netletter takes small fees on transactions. You can create Netletter prepaid card free of cost by joining the site.
4. Netspend – Netspend is one of the best prepaid card providers for US residents. Netspend provides processing and marketing services for prepaid mastercard and Visa debit cards.
5. American Express – One of the most popular banking services that can also help you to create your prepaid and virtual credit cards easily. You can use American Express cards to pay money to hosting websites, online shopping companies and other international websites.
6. Oxigen Wallet – One of the fastest growing payment solution for Indian users that helps users to create prepaid virtual credit card. This payment solution helps you to recharge your mobile or dth service, transfer money to anyone and pay bill of your landline phone & electricity.
7. WallmartMoneyCard – Wallmart money card helps you to create your prepaid credit card easily but currently this payment solution is available only for US users. Wallmartmoneycard offers Prepaid credit cards and prepaid visa debit card. You can also use this card for different purposes such as online shopping, money transfer etc.
8. ICICI VCC– If you already have an account in ICICI bank, you can create your virtual credit card from your ICICI bank easily for online transactions. You can find more information about ICICI VCC on FAQ page of ICICI VCC
9. Kotak [email protected] – Kotak [email protected] is one of the best options for Indians to open prepaid credit cards for online transactions. You have to create an account in Kotak Mahindra Bank before you apply for [email protected]
10. HDFC VCC– HDFC bank also offers virtual credit cards to HDFC users. HDFC offers netsafe cards for all HDFC bank Visa and Mastercard Debit and Creditcard holders free of cost. One of the safest ways to transfer your money online.
It's one of the main causes of shock and awe among travellers. You've just arrived at the hotel where you've booked a room and the check-in clerk asks to take an imprint of your credit card to pay for any incidental charges you might incur. This is a pre-authorisation, a pre-auth in hotel speak, and it's likely to happen even if you've paid for the full price of the room in advance.
They might also tell you that a pre-auth is not a charge and they're right, but it places a lock-down on some of your funds. Your available balance on your credit card is reduced by the amount of the pre-auth. If you've handed over a debit card it's even worse, the funds evaporate instantly from your account. The reservoir of funds that you can withdraw from an ATM or use to pay for restaurant bills or anything else takes a hit.
The pre-auth amount varies from hotel to hotel, country to country. Even hotels within the same group do not apply the same pre-auth amount but anywhere between $50-150 per night is within the ballpark. For example at the Courtyard by Marriott London Gatwick Airport hotel, the pre-authorisation figure is £50 ($102) per night per room. Stay in a glossy six-star establishment such as the Raffles group's Le Royal Monceau in Paris and the pre-authorisation charge for a stay of just three nights and the pre-authorisation for a recent guest was €1200 ($1850).
The total amount that a hotel blocks in the form of pre-auths from its guests adds up. Assume a medium-sized hotel with 250 rooms with an occupancy rate of 70 per cent. On any one day therefore 175 rooms are occupied. If the average stay is 2.5 nights and if the hotel's pre-auth is $100 per room per night, the hotel has effectively locked down guests' funds to the value of $43,750.
Apply that same metric to a major hotel group such as Marriott International, which now has 1.1 million rooms following its acquisition of Starwood, and at any one time they've put a hold on close to $200 million of their guests' money. So what is the hotel doing with all that loot? Answer: nothing. They can't because they don't actually own the funds that have been pre-authorised, they're sitting in financial limbo. Not until if and when the pre-authorisation is converted to a charge, which happens at check-out, will the funds be transferred to the hotel's bank account.
What's wrong with a pre-auth you might think? The hotel has to guard itself against the cost and inconvenience of chasing guests who incur charges and then can't or won't pay.
Note that the pre-auth comes with a sunset clause. Unless the hotel converts the pre-auth funds to a charge the pre-auth is cancelled within a specified period of time and funds are unblocked from the cardholder's account. The actual length of time a merchant can maintain a lock on funds in a pre-auth varies depending on their merchant classification code (MCC code) but five days is standard. After it expires a pre-auth can only be renewed with the consent of the cardholder.
Further, according to a Marriott spokesperson, "Credit card holds are typically released within 24 hours of checking out."
That sounds fine, but what that means is that the hotel has advised the financial institution that the pre-auth has been cancelled. Getting the cash back into your account is another matter. It can take several days after you check out for that to happen, or even longer. In its Booking Terms & Conditions, the Mantra group advises "The pre-authorised amount is set aside by the card issuer for a period of up to 14 days from the date of pre-authorisation."
The problem is not the hotel, it's the financial institution behind your credit or debit card. When the hotel has notified the financial institution to unblock the pre-auth it's in their interests to drag their feet. If that institution can delay handing back your pre-auth for a few more days it can use those funds for another purpose, and that's what it does.
There are a few lessons to take away from this. First off, use a credit card rather than a debit card for the pre-auth. When you check out, use the same card to settle your bill or it can take even longer for the funds to be restored to your account. There is some anecdotal evidence to suggest that it's better to make a charge against your pre-auth, however small. This requires the hotel to make a charge against your pre-auth and your card issuer will refund the difference, although it can also happen that the hotel will regard whatever you've charged to your room as a separate charge from the pre-auth.
Another way around this problem is to use cash for the pre-auth. When you check in, the cash should be sealed in an envelope and held until your departure, minus any amount owing. That works most of the time, although cash carries its own set of risks, and if the pre-auth is to cover the room charge as well as incidentals the amount could be substantial. The hotel might also insist on local currency, although US dollars or euros will usually get you through.