Credit Card Now!

This card is not for everyone. In fact, only 1% of all American residents are eligible to carry The Visa® Black Card. The card is not available to non-residents nor to business entities.

This credit card carries the ultimate in rewards, gifts, and 24-hour concierge service. Even the card itself is exclusive – it’s made with carbon and the patent is now pending. When you hand this card to a reservations clerk, they’ll know you’re someone special.

The annual fee of $495 entitles you to the first 6 months interest-free, and a low 13.24% variable rate thereafter. It also Read more…

To accept credit cards at your place of business, you must agree not just to pay standard transaction fees, but to also maintain standards consistent with all other merchants in your processing network. That means covering some of the risk against fraudulent transactions, plus paying interchange fees as high as 4%. As a result, some merchants have introduced policies designed to push some transactions away from credit, or to force credit card users to cover higher overhead costs. All three of these prohibited “checkout rules” pop up from time to time:

Minimum/Maximum Credit Card Charge Amounts

It’s not uncommon to see signs at small stores and cafes proclaiming a “minimum charge card purchase” of $5, $10, or even $20. Likewise,

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What’s piggybacking, you say?

A practice that once allowed parents, siblings, or friends to help individuals build their credit scores – but was discontinued due to abuse. Here’s how it works:

An individual with a stellar financial reputation, and thus a high FICO score, simply added another person as an authorized user on their credit card accounts. They didn’t add the person as a joint owner of the account – just an authorized user.

Then the activity on that credit card was reported both to the card owner and to the authorized user. Read more…

But some are duping consumers by offering worthless rewards that are seldom claimed, a Money Mail investigation has found.

And there are four million of us sitting on an estimated £4 billion of perks.

Our analysis revealed that an average credit card spend of £5,000 a year buys precious few worthwhile rewards.

But canny shoppers who put all spending on their card (and pay it off) can pick up some decent perks.

Tricks from card companies include:

Making it difficult to claim your reward points.

Charging annual fees if you want to earn rewards.

Slashing the value of cashback schemes after the first year.

Capping how much cashback you can earn. <

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Friends of The Transaction Group have set up a blog that links to 30 reputable organizations accepting donations for Haiti charities. Most of the sites have online credit card processing capabilities so you can make a donation to Haiti relief with the ease and safety of using your credit card. EVERY DOLLAR makes a BIG difference so please give in some way if you can. Click on Haiti charities to visit their blog.