Monthly Archives: September 2014

4 Types of Credit Cards

Using a credit card is a very convenient way to buy almost anything under the sun, from a pair of shoes to a holiday vacation for the entire family. But bear in mind that a credit card doesn’t work like a debit card. When you’re using a credit card, it means you are borrowing money. But if it is used unwisely, you can incur a bad debt. So to help you determine what type of credit card suits you best, check out the common types of credit cards:

1. Zero/Low Interest Rate Credit Cards: This is best for individuals who are willing to and capable of paying off card debt quickly. Most providers of credit cards offer low interest rates on balance transfers from other credit cards. A lower rate will save you a good amount of money on interest costs. But the lower rate often will last only for 6 to 9 months, then increases, often around 14-16 per cent if you make a single late payment. If you transfer a big balance but do not pay it off within the grace period, you may have a higher interest rate compared to what you had at the beginning.

2. Rewards Credit Cards: This type of credit card is recommended for consumers who make most of their purchases using a card and pay off their balance on a monthly basis. Credit card issuers offer airline miles, cash back, and other points when you buy certain items based on the amount of money you spend. Some reward credit card, for example, offer up to 5 per cent cash back on particular purchases without annual fee. Some credit cards have high annual fees and interest rates but eliminating the reward benefits. Other credit cards have unfavourable and complicated redemption rules. So it is essential to read each offer very carefully.

3. Secured Card: This type of card is best for people who in the past have gotten into credit card trouble. Using this type of card wisely will help fix or establish a poor credit rating. But as you apply you’ll be asked to give a deposit which often ranges from $200 to $250. Many of these cards have high annual charges and rates so you should read the fine print carefully.

4. Student Credit Card: This is ideal for college students who know how to manage money wisely. Students could qualify for this type of card even if they have not established a credit rating yet. Many issuers of this type of card offer more benefits such as discount on bookstores and/or cash back. But some credit cards have higher rates. It’s quite easy for college students who are not very experienced at handling finances to quickly incur unmanageable debts.

To get free legal advice on credit, banking, and finance, just visit CCLS WA by checking out the link.

RFID Sleeves. Highly Effective Bank Card Security, 10 Pack, Unisex, Fits Wallet/Purse

Soon after numerous individual ordeals regarding charge card fraud, the founder of Dearo realized that thievery via electromagnetic interference regarding bank cards along with smart cards had been a lot more serious and effortless than most people know.

It was decided that a simple and cost effective way to safeguard card-based information should be made much more easily available to the general public.

Experience using a simple protecting method to obstruct any devices having the ability to access card-based information proved to be the simplest and cheapest way to help to make that intention possible. It was then that Dearo took on the task of making hassle-free, lightweight, desirable RFID Blocking Sleeves to accomplish that.

Nearly all bank cards and smart cards contain a Radio-Frequency Identification (RFID) chip comprising personal, monetary and private information. Nowadays it is becoming easier and easier for thieves to reach this info through the use of card-reading devices, even undetectable in cell phones, which can remove data without even coming into primary contact with people. These kinds of RFID blocking sleeves actually safeguard card-based data from electromagnetic interference from any gadget within range through the use of specially formulated aluminium foil papersituated inside the sleeve itself.

Dearo RFID blocking sleeves work in the following ways:

•Protect bank cards and other smart cards against fraudulence and identity robbery.
•Come in packs of 10 sleeves that fit just about every typical size card including: Credit/Debit cards, Access, ID, Security, Staff cards, Licenses cards, Health-related cards, Library, Gymnasium and Account cards, Parking passes and so on.
•Are constructed to the maximum standard using the finest resources accessible. Water-proof, long lasting and incredibly lightweight. Used by very respected businesses which include Samsung, Nokia, Sony, Motorola, Oppo, Coca Cola, Disney and Adidas.
•Thousands of satisfied customers around the globe are using these RFID blocking sleeves.

THE SECRET TO FINANCIAL PEACE OF MIND

THE EASIEST WAY TO PROTECT YOUR BANK AND SMART CARDS FROM FRAUD AND IDENTITY THEFT!

Prevent unwanted capture of data from bank cards and other smart cards issued by banks and organisations such as:

• Credit/Debit Cards
• Access, ID, Security, Employee cards
• License cards, medical cards
• Library, membership, gym cards
• Parking passes

Provides an efficient layer of protection from thieves. Unless properly protected, your card-based data is available to ANY active reader in range!

Protects all your card-based information when properly used

• Thousands in use across the world
• Protects your cards from Electromagnetic Interference (EMI)
• Protects contactless IC card information from theft
• Protects cards from damage and scratching
• Waterproof
• Fit all standard size credit, debit and other smart cards
• Fit perfectly in a wallet, purse or pocket

Manufactured to the Highest Standard available

• Substantial, durable, highest quality materials used
• Manufactured in the most reputable and professional environment using aluminum foil paper for the BEST protection
• Our customers include Samsung, Nokia, Sony, Motorola, Oppo, Coca Cola, Disney, Adidas and more

What customers say about RFID Blocking Sleeves

“I recommend these to anyone looking for extra peace of mind and anyone who spends any time in public places”

“I feel so much safer! They are a great product, very durable”
“My new best friends! No one is touching my data!”

“A simple answer to my fear of technology! Exactly what I’ve been looking for.”

Thousands of happy and satisfied customers!

Additional Information
• Certified and Unique
• Make ideal inexpensive gifts!

The ONLY RFID Blocking Sleeve backed by a Lifetime, No-Hassle, Free Replacement Guarantee

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