"If there is anything we wish to change in the child, we should first examine it and see whether it is not something that could better be changed in ourselves."Carl G. Jung
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Are 0% Credit Cards reaching their end?
Are Credit Card companies starting to feel the pinch? We all know that the Credit Card companies make their money by charging us interest on the money we borrow. With all the 0% balance transfer offers that we have seen over the last few years its no ...
Have You Lost Your Credit Cards?
If you have ever lost your wallet or purse with your credit cards inside you know that feeling of fear that sets in. We have all heard so much about identity theft that losing credit cards is enough to strike the fear of God into anyone. If you lose your ...
Use Credit Cards Online - Is It Safe?
How many times will you use your credit cards online this year? During the holidays, for birthdays, for that excellent deal that you just could not get to the store to purchase. All these instances add up quickly. From time to time you begin to ...
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Why not accept credit cards over the phone? Many companies do, and they find that profits are expanding because of the convenience their customers enjoy in being able to shop and pay from home or any other location where they can use a telephone to access your business.
Customers love it when companies accept credit cards over the phone because they need not dress up to go shopping, they don't have to find a babysitter, they need not put gas in the car, and they don't have to worry about stopping at the bank for cash while en route to your establishment. All they have to do is pick up a phone receiver, dial your number, and punch in responses to the automated order and payment system. It sounds highly sophisticated, but actually the process is fairly simple. Here is how to get started.
First, to accept credit cards over the phone you will need a merchant account. This will provide you with a financial underwriter for coordinating customers' credit payments with your account. The underwriter facilitates the credit payment to ensure it is good and when cleared, puts the money into your account for ready access. Of course there are fees for this service, but most merchant account users feel they are well worth it because of the unlimited potential for growth and profit. Find a reputable financial underwriter, like a solid bank or other lender, and apply for a merchant account. Check out all possible fees so there are no surprises later. In fact, you should compare account options among various lenders to get the best deal.
Next, when your merchant account is approved, you can select digital phone services that will enable you to accept credit cards over the phone via a selection of customer options. For example, you may wish to make the service available 24/7, or you might wish to limit access to certain hours when a customer service employee can be on hand, if needed, to complete transactions if a glitch should occur or to answer questions. You will need to ensure the phone connection is secure, and you can decide whether to have customers key in their credit card numbers or be able to choose the voice option as well or instead of the key-in choice. Will your provide a confirmation number? Will receipts be mailed or emailed? These and other questions will need to be worked out when setting up your phone credit card processing service.
Telephones are being used more and more for business ordering and payment services, especially with the credit payment feature for those who wish to accept credit cards online. By paying a few cents for each transaction or a low interest rate overall, you can remove limits from your sales field and increase volume dramatically. Contact a merchant account representative to find out more about the many exciting possibilities that await you when you implement the latest technology for your business, beginning with the choice to accept credit cards over the phone.
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 Now more than ever, your credit score can make life tough - or a whole ... - Boston Globe
Bryan and Trudi Sorge used two no-interest credit cards to pay for a new deck at their Pine, Colo., home, unaware the transaction would lower their credit score. "We thought why use the cash, this is easier," said Trudi Sorge. "But because we maxed ...
Cardholders squeezed as issuers cut credit limits - Los Angeles Times
Reporting from Washington -- Cecil Bello has stumbled into a new corner of the credit squeeze. The 32-year-old management consultant has had the limits reduced on three of her credit cards. In September, U.S. Bancorp notified the Fairfax, Va ...
Ask the Biz Brain - Bridgeton News
I have several major credit cards, and I always pay my balance in full each month so my FICO score is very good. One card I haven't used in years notified me they are going to cancel the card because of inactivity unless I use it soon. I don't really ...
Changes in cards for major credit companies - Ottawa Sun
TORONTO -- MasterCard is applauding a move by the federal commissioner of competition to allow Canadian banks to offer both its products and those from its more entrenched rival: Visa. Historically, Canada's big banks were required to choose between ...
Credit-card substitute emerges from storage - News-Leader.com
While the state of the economy might have a negative effect on consumers, there is one retail service that may see gains this year: layaway. Layaway, which started around the time of the Great Depression, allows consumers to pay small amounts ...
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