Identity Theft Scams

Written by James Dimmitt

Identity Theft scams continue to flourish onrepparttar web. One that you need to be aware of and beware of is any site that seems to be selling high-demand items (digital cameras for instance) at a much lower (almost unbelievable) price than you can find on other sites orrepparttar 138660 manufacturer’s site.

Oftenrepparttar 138661 victim’s are told to pay nothing until they receiverepparttar 138662 merchandise. The person behindrepparttar 138663 scam usesrepparttar 138664 victim’s name and a credit card number belonging to another person to purchaserepparttar 138665 item at a legitimate site.

Oncerepparttar 138666 item is shipped,repparttar 138667 victim then authorizes his credit card to be billed or sends payment directly torepparttar 138668 scammer. The scammer has now put you inrepparttar 138669 position of being in receipt of stolen merchandise while they get away with your money.

Another scam that still seems to be working is being contacted through e-mail by someone claiming to be from your credit card company, your internet service provider, Paypal, or Ebay.

Credit Rewards Cards: Are They Right For You?

Written by James Dimmitt

Rewards cards have becomerepparttar latest rage inrepparttar 138573 credit card industry. Inrepparttar 138574 past, consumers shopped for credit cards that offeredrepparttar 138575 lowest interest rate. Next came cards with low interest rates and no annual fees. Today, consumers can shop for cards based on what type of “reward” they can earn for using a specific issuer’s card.

How does a reward program work? Typically,repparttar 138576 program awards points, "dollars" or a cash value based onrepparttar 138577 amount you charge. The rate at which you collect points varies depending on what you charge or where you charge it. Some programs offer extra points for using their card at a specific place such as a supermarket or fast food restaurant or for certain items.

Some programs offer a variety of rewards. Consumers can earn meals, tickets to sporting events, airline tickets, electronics, or even create their own reward program.

The goal is to get yourepparttar 138578 consumer to use your credit card as much as possible. Why? FEES! The credit card issuer makes money from two sources each time you use their card. First, fromrepparttar 138579 merchant who paysrepparttar 138580 issuer a merchant transaction fee and secondly, from you through finance charges and late fees.

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