October 15, 2019

Many individuals think that refinancing their home is easier than buying a house; however, it may not always be that way. Why do you want to refinance? This is the first question you must ask yourself before you go about the process. Certain individuals refinance with the aim of lowering monthly interest payments. However, by refinancing with another 30-year full-term loan, they often end up incr...

October 11, 2019

In 2015 the US credit card industry began the adoption of the EMV standard to curb overwhelming levels of credit card fraud. With the provision of end-to-end encryption during card-present transactions, EMV technology aimed at preventing payment card counterfeiting. We recently crossed the three-year anniversary of the EMV migration deadline, and it seems that the majority of financial institutio...

October 1, 2019

Credit cards are frequently used by consumers to shop for products and services online, and at brick-and-mortar stores as well. Unfortunately, this mode of payment is a popular target for unscrupulous individuals who steal credit card information and then use it to conduct illegitimate transactions. The theft of credit card details is most certainly a worrying point for the consumer; in addition,...

September 24, 2019

It’s very difficult to get by without a credit card these days - this piece of plastic is used by consumers to purchase almost anything, and also get over the occasional cash crunch. However, to become a credit cardholder, you often need to have a decent credit score. Does this mean that consumers with bad credit scores cannot obtain credit cards? No! A popular way in which people with bad ...

September 18, 2019

Applying for a credit card is a simple process these days. More often than not you just have to fill out information on an online form and hit submit. However, getting approved for the card can be a lot harder, as the process involves an evaluation of the applicant’s income, credit score, and debt. Here are several steps you can follow to improve your chances of getting approved. Check your...

September 4, 2019

As a business owner, it is likely that you accept credit card payments from customers on a daily basis. However, if you’re not careful, this process could lead to security risks that ultimately result in fraud. To protect customer information as well as your revenues, and to avoid dealing with fines, it is essential that you keep in mind the following when accepting any sort of credit card ...