Read and Understand Your Credit Card Statement

Written by Neil Goldberg


Have you ever looked at your credit card statement and ended up just scratching your head in frustration? Well joinrepparttar club! But don’t take any comfort inrepparttar 145746 fact that you have plenty of company, because lack of knowledge can cost you….right on your credit report, and once there can stay with you a while.

Adding torepparttar 145747 challenge is that almost every creditor’s statement is slightly different, varying in format and billing cycle and interest calculations. You first want to check what you purchased and what you borrowed, so make sure you save all your receipts to make sure you weren’t charged for something you didn’t buy or were double billed. Immediately dispute any discrepancies via phone and in writing.

Next you’ll want to verifyrepparttar 145748 interest rates being applied for each type of purchase. Remember, cash advances almost always carry a higher interest than normal purchases and interest usually accrues fromrepparttar 145749 date you receivedrepparttar 145750 money. Also, if you have any balance transfers with introductory interest rates, verify that it is correctly noted and hasn’t been increased prematurely.

Check Fraud and Verification

Written by Antigone Arthur


Check Fraud and Verification

Before buying personal or business checks you should inform yourself ofrepparttar best ways to protect yourself from check fraud. Since man has written checks check fraud has existed. Like any fraud, check fraud emerged as crafty con artists discovered they could photocopy checks or alter checks to steal money from innocent victims. Thanks to technological advances and craftier con artists, check fraud is as common as a cup of coffee.

As a consumer you should concern yourself with ways to prevent or reducerepparttar 145745 chances that checks you write will fall victim to fraud. Fortunately there are many ways to reducerepparttar 145746 likelihood of fraud. Whether you are a fan of cheap checks, high quality business checks or personal checks that express your personality, there is security available for you. Chances are you'll find what you're looking for andrepparttar 145747 security to protect you from check fraud with a little planning.

Once you know what to look for, there s no reason you should fall victim to thieves, crafty or otherwise. Let's take a look at some common security measures check companies use to protect you from thieves.

Check Security

Many check companies including Deluxe™ checks now offer consumers special features to help preventrepparttar 145748 likelihood of fraud. Amongrepparttar 145749 more common measures adopted to protect consumers include:

  • Microprinting - micro printing is simply print onrepparttar 145750 check that is small enough to prevent someone from photocopyingrepparttar 145751 information onrepparttar 145752 check.
  • Erasure Protection - this protection prevents anyone from erasing information onrepparttar 145753 check. A white spot appears if someone tries this.
  • Original Document - each check is printed withrepparttar 145754 words original document that can't be photocopied.

Other companies including Quicken™ checks and Quickbooks™ checks are taking measures to ensure your safety. Amongrepparttar 145755 security features adopted by these companies include:

  • Small print. Like Deluxe™ checks this prevents thieves from photocopying your information.
  • Erasure protection.
  • Special detail including foil and embossing. This also makes it difficult for thieves to photocopy checks.


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