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spanish police arrest 38, dismantle fake credit card ring


madrid — spanish police say they have arrested 38 people and dismantled a criminal organization dealing in credit card fraud on an international scale.authorities said saturday those arrested were in a ring that specialized in the counterfeit and fraudulent use of credit cards from international banks, which were scammed up to 1.5 million euros ($1.6 million).the victimized banks were mainly based in italy, britain, the united states, australia and germany.police say the ring created a virtual travel agency offering online plane and train tickets, hotel reservations, car rentals and other purchases and paid suppliers with cloned credit cards.the criminal ring also worked with local businesses in madrid, seville, cadiz, malaga, marbella and cordoba that accepted payments from the fraudulent






pay by privacy.com download


download download have you ever had your credit card information stolen from a fraudster and had to get a new card issued? you're then forced to update the billing information on all the services you use, a big hassle that takes time to fix. privacy solves this frustration by providing you with virtual visa cards that are automatically locked to the first merchant they're used at. fraudsters are foiled, your banking information is safe, and you are in complete control when shopping online. privacy visa cards may be used everywhere visa debit cards are accepted.






conquer fear of credit cards now, reap benefits later – the denver post


by ellen cannon, the associated pressyoung adults who are afraid of credit cards in the long shadow of the recession usually think only of the risks, rather than the role they play in establishing credit, consumer credit experts say. that can hold them back from building the credit history they’ll need later on if they want to finance a car or get a mortgage.data from the consumer financial protection bureau show that about half of people ages 18 to 34 had at least one credit card in 2015, compared with 60 to 80 percent for those 35 and older. last year, an analysis of federal reserve data by the new york times found that just over a third of these young adults, or millennials, had credit card balances, an indicator of whether people are using their cards.credit card issuers in the past ma






conquer fear of credit cards now, reap benefits later


young adults who are afraid of credit cards in the long shadow of the recession usually think only of the risks, rather than the role they play in establishing credit, consumer credit experts say. that can hold them back from building the credit history they'll need later on if they want to finance a car or get a mortgage.data from the consumer financial protection bureau show that about half of people ages 18 to 34 had at least one credit card in 2015, compared with 60 to 80 percent for those 35 and older. last year, an analysis of federal reserve data by the new york times found that just over a third of these young adults, or millennials, had credit card balances, an indicator of whether people are using their cards.credit card issuers in the past marketed extensively to young people, p






conquer fear of credit cards now, reap benefits later


young adults who are afraid of credit cards in the long shadow of the recession usually think only of the risks, rather than the role they play in establishing credit, consumer credit experts say. that can hold them back from building the credit history they’ll need later on if they want to finance a car or get a mortgage.data from the consumer financial protection bureau show that about half of people ages 18 to 34 had at least one credit card in 2015, compared with 60 to 80 percent for those 35 and older. last year, an analysis of federal reserve data by the new york times found that just over a third of these young adults, or millennials, had credit card balances, an indicator of whether people are using their cards.credit card issuers in the past marketed extensively to young people, p






why your credit cards shouldn’t retire when you do


about one-third of american baby boomers risk damaging their credit scores in retirement by reducing or eliminating their use of credit cards, according to a survey by one of the country's three major credit bureaus.when her car trouble began, beverly dobratz, 70, assumed that years of responsible credit usage would qualify her for a new car loan with a low interest rate.then the salesman checked her credit and learned that she hadn’t made any purchases with it in 10 years; she preferred to pay with cash or her debit card. that had hurt her credit scores, preventing her from getting a deal that worked for her.“it was quite a shock. i had a huge down payment for him, but it didn’t make any difference,” the long beach, california, resident says. “i didn’t get the car.”about one-third (34 per






why your credit cards shouldn't retire when you do


by melissa lambaren/nerdwalletwhen her car trouble began, beverly dobratz, 70, assumed that years of responsible credit usage would qualify her for a new car loan with a low interest rate.then the salesman checked her credit and learned that she hadn't made any purchases with it in 10 years; she preferred to pay with cash or her debit card. that had hurt her credit scores, preventing her from getting a deal that worked for her."it was quite a shock. i had a huge down payment for him, but it didn't make any difference," the long beach, california, resident says. "i didn't get the car."about one-third (34 percent) of american baby boomers risk damaging their credit scores in retirement by reducing or eliminating their use of credit cards, according to a survey by transunion, one of the three






more home owners are using credit cards to fund renovations, but should they? |


share thistagsbank loansdebtdebt crisisfinancefinancial assistancefinancial assistance for single momsfinancial planninghomehome improvementhome repairsloanloansmicrochip for credit cardtitle loanaccording to a lightstream survey, around 59 percent of home owners plan to spend money on home renovations this year. in addition, around 42 percent of those home renovations are estimated to cost around $5,000 or more. yet, around 29 percent plan to pay with those renovations with a credit card as opposed to 7 percent who intend to take out a loan. moreover, this survey has shown an increase in credit card use of four percentage points over the 2016 survey. are credit cards really the answer? photo alina ku-ku via shutterstockread on to learn more.this is how credit cards workin terms of financi






why your credit cards shouldn’t retire when you do


when her car trouble began, beverly dobratz, 70, assumed that years of responsible credit usage would qualify her for a new car loan with a low interest rate.then the salesman checked her credit and learned that she hadn’t made any purchases with it in 10 years; she preferred to pay with cash or her debit card. that had hurt her credit scores, preventing her from getting a deal that worked for her.“it was quite a shock. i had a huge down payment for him, but it didn’t make any difference,” the long beach, california, resident says. “i didn’t get the car.”about one-third (34 percent) of american baby boomers risk damaging their credit scores in retirement by reducing or eliminating their use of credit cards, according to a survey by transunion, one of the three major credit bureaus that gat






great credit cards to get for (nearly) free travel


updated march 26, 2017 11:55 amby john callegari   [email protected] credit cards offer valuable points and miles that can help owners travel for little out-of-pocket cash. (credit: john callegari) traveling can be pricey, but it doesn't have to be.many financial institutions, including chase, american express and barclays, offer co-branded credit cards with hotels and airlines, enticing customers with lucrative sign-up bonuses worth hundreds of dollars in free travel just for making their everyday purchases on credit rather than debit or cash.using these points, a $600 round-trip...






how to choose a rewards credit card


rewards credit cards, when used responsibly, can bring a nice stream of passive income and benefits by making regular purchases. rewards take the form of cash back, airline and hotel points, general spending points and other cardholder perks. some even have spending portals that allow cardholders to earn extra points when they make online purchases.is a rewards credit card right for you?you may want to apply for a rewards credit card if you meet some or all of the following criteria:you have good or excellent credit. most rewards cards require a good credit score, although there are some exceptions, such as the discover it secured card, which is a secured credit card that gives cash-back rewards for spending.you generally don’t carry a balance. rewards credit cards tend to have higher annu






"smart" credit cards may be over before they started


smart credit cards, combining several credit card accounts on a single card, promised big improvements over traditional credit cards -- but they've had a rough ride. and now it looks like the journey is ending, with the last of the major would-be disruptors throwing in the towel. plastc, in development since 2014, sent a letter to backers last week announcing that it was ceasing operations.over the last year or so, virtually all of plastc's principal competitors have done the same -- coin, stratos and swyp among them. now, in the middle of 2017, consumers can't get a multiple-account electronic smart credit card at any price. the idea behind smart cards was appealing to a generation of consumers steeped in the convenience of the internet, bluetooth and smartphones. smart cards promised to






do you still need to cut up your canceled credit cards?


illustration by sam woolley.most credit cards come with decent fraud protection these days. if someone steals and uses your card, most issuers make it easy to dispute the transactions and flag your account. that doesn’t mean you should be haphazard with it, though. if you cancel your card or it expires, break out the scissors (or the shredder).cut it up, even if it’s expireddespite the many protections credit card issuers offer these days, yes, you should still cut up your old cards. i verified this with robert siciliano, identity theft expert and ceo of idtheftsecurity.com. he told me:advertisementcutting up cards makes the magnetic stripe unusable. but the card number, even if the expiration date has passed, may still be usable. all one needs to do is use a current non-expired date and t






do you still need to cut up your canceled credit cards?


illustration by sam woolley.most credit cards come with decent fraud protection these days. if someone steals and uses your card, most issuers make it easy to dispute the transactions and flag your account. that doesn’t mean you should be haphazard with it, though. if you cancel your card or it expires, break out the scissors (or the shredder).cut it up, even if it’s expireddespite the many protections credit card issuers offer these days, yes, you should still cut up your old cards. i verified this with robert siciliano, identity theft expert and ceo of idtheftsecurity.com. he told me:advertisementcutting up cards makes the magnetic stripe unusable. but the card number, even if the expiration date has passed, may still be usable. all one needs to do is use a current non-expired date and t






the one-card solution can swipe away credit card overload


credit card maximizers make carrying multiple cards their hobby, using this one for groceries and that one for travel, juggling due dates and rewards categories. but most people prefer to spend their time on other things.if the idea of chasing credit card rewards as a pastime doesn’t appeal to you, using just one credit card is a reasonable choice. here are the benefits of carrying only one card, and how to choose it wisely.the minimalist approachthere are several good reasons to simplify.most read storiesunlimited digital access. $1 for 4 weeks.—when you’re shopping: people who carry multiple credit cards have a decision to make every time they reach for their wallet. if you’re carrying only one card, that decision is a lot simpler.—when you’re paying the bill: paying bills takes time. ev






how to make a bundle with credit cards


you don’t need to be “the points guy” to make hundreds -- even thousands -- of dollars a year with credit card rewards programs. but you do need to be a person who pays off his or her credit card balance every month.“if you are not paying off your balance every month, rewards should not be your thing. you should be looking for the lowest-rate card you can find until you pay off that debt,” said bill hardekopf, president of lowcards.com. “but if you pay your balance in full every month, you have a wealth of choices that can be surprisingly lucrative.”in an effort to win wallet-share in an increasingly competitive market, credit card companies are providing some of the best deals in history to those willing to spend on the right rewards card. these days, offers range from bonuses worth as mu






coloradans' credit scores up in 2016 experian report


when it comes to keeping up with the joneses, most people compare what they own, not what they owe. the 2016 state of credit report from experian, however, offers a detailed look at the relationship american consumers have with debt.last year, colorado residents, on average, carried 2.5 credit cards with balances on them of $6,018, around 29 percent of the available credit limits, according to the report.add in student, car and other consumer loans and colorado residents were indebted an average of $41,770, while those with a mortgage carried an average balance of $230,142. the vantage score, which is replacing fico as a credit score, stood at 685 last year in colorado, an improvement from the score of 681 in 2015, but unchanged from 2007, before the recession.how many credit cards do colo






the one-card solution can swipe away credit card overload – the denver post


by virginia c. mcguire,the associated presscredit card maximizers make carrying multiple cards their hobby, using this one for groceries and that one for travel, juggling due dates and rewards categories. but most people prefer to spend their time on other things.if the idea of chasing credit card rewards as a pastime doesn’t appeal to you, using just one credit card is a reasonable choice. here are the benefits of carrying only one card, and how to choose it wisely.the minimalist approachthere are several good reasons to simplify.—when you’re shopping: people who carry multiple credit cards have a decision to make every time they reach for their wallet. if you’re carrying only one card, that decision is a lot simpler.—when you’re paying the bill: paying bills takes time. even if a credit






when choosing credit card rewards, skip the gift cards


it’s a maneuver many credit card holders know well: the hail mary of rewards — redeeming points for a gift card.you have a couple of thousand points left on your credit card, and you want to close your account. you don’t want to forfeit those rewards. but they’re not enough for an airline ticket, and you don’t meet the minimum redemption requirement for cash back. so, like a kid reluctantly trading arcade tickets for a pink rubber eraser, you get a gift card.gift cards remain perhaps the most ubiquitous redemption option available among credit card issuers. but for cardholders, they can be a miss, offering limited versatility and so-so redemption values. even when you’re low on credit card rewards, better options abound.why issuers offer gift cardsin the earlier days of credit card rewards






acmg credit download


download download enjoy secure and easy management of your credit cards with the acmg credit card app. this app allows you to: view recent and pending transactions. view next payment amount and due date. make a payment to your acmg credit card. report a card lost or stolen. activate a card. easily register acmg federal credit union credit cards from your mobile device, access is secure and protected by multi-factor authentication. while no personal information is stored on the device, sharing your device with anyone who has saved a fingerprint gives them access to your account (s). we don't recommend using the touch id option if you share your device.






sift raises $1.5 million to unlock your credit cards


did you know that your credit cards can do amazing things? aside from drawing you into crippling debt while forcing you to be part of the vast cycle of economic servitude, credit cards also offer cash-back on purchases, protection on items you buy and refunds! that’s what sift wants to help you unlock.“we unlock thousands of dollars’ worth of hidden credit card benefits. think of credit card benefits like an iceberg — on the surface there are benefits that everybody knows about, like rewards/cash back, but underneath the surface there are all these great benefits that people are unaware of and/or are hard to take advantage of,” said abhinav dubey. “we solve both the awareness problem and also streamline the claim process.”sift, which recently raised $1.5 from liquid 2 ventures, early mint






airline credit card can soothe baggage headaches – the denver post


traveling with a suitcase has become an expensive headache for airline flyers. first, airlines started charging travelers for checking a bag. now, some big airlines won’t even let passengers use the overhead bin if they booked the cheapest fares.you can’t change airline rules, but you can get around them with an airline-branded credit card that comes with baggage privileges.granted, these credit cards charge an annual fee — $95 for basic cards from american airlines, delta air lines and united airlines, three of the four largest carriers that account for half the u.s. airline market. but a card’s baggage perks alone can more than make up for that fee, allowing infrequent flyers to buy a type of airline elite status.“i’d call it elite-lite,” said henry harteveldt, a travel industry analyst






airline credit card can soothe baggage headaches


traveling with a suitcase has become an expensive headache for airline flyers. first, airlines started charging travelers for checking a bag. now, some big airlines won’t even let passengers use the overhead bin if they booked the cheapest fares.you can’t change airline rules, but you can get around them with an airline-branded credit card that comes with baggage privileges .granted, these credit cards charge an annual fee — $95 for basic cards from american airlines, delta air lines and united airlines, three of the four largest carriers that account for half the u.s. airline market. but a card’s baggage perks alone can more than make up for that fee, allowing infrequent flyers to buy a type of airline elite status.“i’d call it elite-lite,” said henry harteveldt, a travel industry analyst






american express to solely take over the hilton credit card


new york — american express will become the exclusive credit card issuer for hilton hotels, the company said thursday, a major success for a business that has been facing increased competition.the new york-based credit card company will be the sole issuer of the hilton co-branded credit card starting jan. 1, 2018. currently hilton has credit cards issued by citigroup and amex.hilton hotels is one of american express' oldest relationships. hilton started taking american express cards in the late 1960s and the two companies issued its first co-branded credit card in 1995. in 2000, hilton added citi as an issuer, and the two banks have been issuing hilton-branded cards simultaneously since then.co-branded credit cards are those for which a major retail or travel company teams up with a bank t






sift raises $1.5 million to unlock your credit cards


did you know that your credit cards can do amazing things? aside from drawing you into crippling debt while forcing you to be part of the vast cycle of economic servitude, credit cards also offer cash-back on purchases, protection on items you buy, and refunds! that’s what sift wants to help you unlock.“we unlock thousands of dollars worth of hidden credit card benefits. think of credit card benefits like a iceberg – on the surface there are benefits that everybody knows about like rewards/cash back but underneath the surface there are all these great benefits that people are unaware of and/or are hard to take advantage of,” said abhinav dubey. “we solve both the awareness problem and also streamline the claim process.”sift, which recently raised $1.5 from liquid 2 ventures, early mint and






american express to solely take over the hilton credit card


new york (ap) — american express will become the exclusive credit card issuer for hilton hotels, the company said thursday, a major success for a business that has been facing increased competition.the new york-based credit card company will be the sole issuer of the hilton co-branded credit card starting jan. 1, 2018. currently hilton has credit cards issued by citigroup and amex.hilton hotels is one of american express’ oldest relationships. hilton started taking american express cards in the late 1960s and the two companies issued its first co-branded credit card in 1995. in 2000, hilton added citi as an issuer, and the two banks have been issuing hilton-branded cards simultaneously since then.co-branded credit cards are those for which a major retail or travel company teams up with a b






credit card car rental insurance doesn’t cover as much as you think


photo by carsten schertzersome credit cards come with interesting perks—free car rental insurance, for example. as long as you use that card to pay for the rental, you’re covered. however, that insurance might not cover as much as you think.advertisementas travel + leisure points out, while some cards (like the chase sapphire preferred) offer primary rental car insurance, most of them use secondary insurance. this means you actually have to go through your primary insurance if you need to file a claim. your card will only pick up the extra fees and costs that your primary insurance doesn’t cover. creditcards.com lists some other cards that offer primary coverage. these perks can change, though, so make sure to read your own credit card’s explanation of benefits.there are other limitations,






illinois income tax hike: 6 tips to manage or minimize how much you'll pay


consumers who are dogged by poor credit scores — and have trouble getting credit cards or loans as a result — will get some relief starting next month.on july 1, the three credit reporting companies will stop using some records that are especially damaging to credit scores: tax liens and civil...






witch solitaire ii download


download download 500 new design levels. in this game, all cards are turned over except for the frozen and petrified cards. it should be easier to achieve a great combo. clean all the cards is still a challenging thing. calculation is key of the game. a witch lost cards needs your help. as a witch you have the magic to turn over all the cards except for the frozen and petrified cards. you can pass the level if the lost cards are less than three, otherwise you will fail. you can get a perfect ending if all cards are collected. some cards were frozen or petrified. you should find a hammer to destroy the rocks or clear all the ice cards to save them. you can get help from the bats when you run out of the decking cards. enjoy your magic travel.






tally wants to automate your financial life, with managing credit cards as its f


it’s not easy to get out of credit card debt, but a startup called tally wants to help consumers do just that, as its first step in automating their personal finances. that company is launching with a mobile app today that is designed to help consumers avoid late fees, lower credit card balances and maximize their savings.over the last few years, i’ve been looking for products and services in the fintech space that are designed to automate the process of saving money and paying down debt. and while there are a number of companies that provide dashboards, insights and analytics that help you understand your personal finances, very few actually do anything.basically, i’ve been trying to find a robo-advisor for your personal finances — something that will take a look at your income, checking






cashin credit repair download


download download holiday special. $1.99 for the app. cashin credit repair- do it yourself is your first ever smart phone application that will help you dispute and explain to you how to fix your credit. everything you need in one download. so the question is? is your credit score keeping you from that dream house you want to buy? is it keeping you from driving that new car you always wanted? what about high interest credit cards? high insurance policy's? having bad credit will cost you thousands of dollars over your life. cashin credit repair- do it yourself is an exclusive app that will help you dispute negative items on your report with a push of the button. highlights of the app. email and edit the letters from the application. apply for secured credit cards to build your credit. 14 le






cashin credit repair - tablet download


download download cashin credit repair- do it yourself is your first ever smart phone application that will help you dispute and explain to you how to fix your credit. everything you need in one download. so the question is? is your credit score keeping you from that dream house you want to buy? is it keeping you from driving that new car you always wanted? what about high interest credit cards? high insurance policy's? having bad credit will cost you thousands of dollars over your life. cashin credit repair- do it yourself is an exclusive app that will help you dispute negative items on your report with a push of the button. highlights of the app. email and edit the letters from the application. apply for secured credit cards to build your credit. 14 letters already loaded in the app to h






how to travel abroad: here's a checklist


if your vacation plans this summer include traveling outside the u.s., you should consider several things to make sure your trip goes as smoothly as possible. the two most important concerns while traveling abroad are having access to purchasing power and having sufficient medical coverage.you'll want to take a few steps to make sure your credit and debit cards are ready to use in a foreign country. the first is to notify your bank or financial institution of your travel plans, so it doesn't freeze your account for suspicious activity. do this at least two weeks before you travel. let the institution know the dates of travel, the destination and the approximate amount you may be spending on your cards. while you have a representative on the phone, ask about the type of card you have and th






prepaid credit card balances download


download download prepaid credit card balance is a utility to quickly get balances for a variety of prepaid cards. an array of visa, mastercard and american express are supported, and more will be supported in the future - with your help. the premise is that for most cards, there is a corresponding website where the balance can be looked up. the app will have the card #, pin, cvv and other information readily available so it can be copied and pasted in. once the balance is retrieved, you'd push the button to update the balance and your data is recorded. please note that the application only stores data locally. there is never any card number communication between you and our systems - you only communicate that with the credit card distributor. also, there are hundreds of prepaid cards that






could india’s cash blitz kill off cards, atms?


mumbai—following india’s crackdown on cash, millions of residents who have never even used a credit card are leapfrogging into mobile payments, finding phone apps more accessible than plastic.the value of mobile money transactions has more than doubled since the nullification of 86% of india’s cash in circulation in november, while those made with credit and debit cards has fallen, and check purchases have barely budged. mobile...






could india’s cash blitz kill off cards, atms?


mumbai—following india’s crackdown on cash, millions of residents who have never even used a credit card are leapfrogging into mobile payments, finding phone apps more accessible than plastic.the value of mobile money transactions have more than doubled since the nullification of 86% of india’s cash in circulation in november, while those made with credit and debit cards has fallen, and check purchases have barely budged. mobile...






nhl still unsure it if will participate in 2018 olympics


there was nothing new on the olympics front for the nhl, commissioner gary bettman said in his state-of-the-league address urday at staples center.whether the nhl will participate in the 2018 winter olympics in pyeongchang, south korea, has been a looming question and bettman addressed it in his opening remarks and said the league’s board of governors “spent 10 seconds” on it in that morning’s meeting.asked how long the issue can remain undecided, bettman said, “we’re not the ones setting deadlines.”nhl deputy commissioner bill daly reportedly said the sentiment among the board is they don’t want to participate and something would have to change their mind.the nhl benefited from the exposure of the 2010 vancouver olympics but has the same concerns about travel, money compen ion and the con