Cheat Credit Card 2

Cheat Credit Card 2

Another friend has dinner in the restaurant, Then pay with a credit card.Waiter has card to cashier and get back to him. But he check the card. The card is not friend  is other people with color and shape include bank is same friend but card is expired. First time friend is think cashier is don't intention.

Then call waiter for wrong credit card. However the waiter is not surprising about that waiter take card to cashier and cashier is not surprise too just take friend card and nothing to say.

Waiter take card to friend and said sorry.

Lessons from this case.
I think that it's a good card to check for sure.
Here are some more suggestions.

1. Don't let credit card a way from your eye when you pay with credit card

2. Check credit card every time when you receive back from anyone.

3. Trying to make a credit card that has the unique.The Photo Card with your dog is a cat on the card, the card has a little chip, have a sticker on my card.

kman

Charge Card and Credit Card

Charge Card and Credit Card

Credit Card
When you don't have a lot of money for buying anything. Credit card will help you. Which you don't need to pay all cost product that you buy, you can pay some money in next month. And each financial institute have different in duration free interest. Which between 30-60 days. Good thing you can pay in 2 term with no interest cost.

Charge Card
A charge card is a card that provides a payment method enabling the cardholder to make purchases which are paid for by the card issuer, to whom the cardholder becomes indebted. The cardholder is obligated to repay the debt to the card issuer in full by the due date, usually on a monthly basis, or be subject to late fees and restrictions on further card use.

Different between charge card and credit card

Charge card you need to pay full debt in due date typical you don't need to pay for interest  . But credit card you don't need to pay full debt in due date. You need to pay some payment or fix payment which define rate by financial institute. Please choose the right card for full benefit

Cash Revolve and Credit Card

Cash Revolve and Credit Card

Some one maybe don't know the different between cash revolve and credit card. Let's go learn about the  different between them. We try to take information of different between them and list it to below section

Refer from Thailand

-	Salary-based application.	Credit Approve	Cash advance fee	Minimum Payment	Interest
Credit Card	>=15000	>=2 x Salary	3%	10%	20%
Cash Revolve	>=10000	>=5 x Salary	None	5%	>=20%

Credit Card
Intended for use on a daily basis. Without the burden of carrying cash. And have the points when you buying with credit card. To reward them. Buf if you use a withdraw cash from credit card it have a cash  advance fee add on too.

Cash Revolve
You can use it for a lot of cash from cash revolve. (Most of cash revolve approve money a lot more than credit card approve) . But it just only cash from cash revolve which not have point reward as credit card. That you should be cash revolve when you need to use a lot of money when over credit card limit.

Conclusion
Credit card is suit able use on daily basis. Because you don't need carry a cash and have the points (with a larger points you can get greater reward) when you buying with credit card which cash revolve doesn't have.
Cash revolve is suit able for emergency case when you need a lot of money. When credit card cannot offer.

kman

Cheat Credit Card1

Cheat Credit Card 1

A friend has took the fitness service, and took the suitcase and wallet in the locker. When the fitness completed. Back to the locker was found it open.He think before fitness locker is closed. He wear suit and get check in your wallet. Money is not lost and all credit card too.He think it not a matter.

He think forget to close locker because if someone breakout the locker it should be lost all money and credit card. But several week later when credit card statement is come. It turns spending. Only four thousand dollar! He call to the bank immediately, "I never thought that I would spend them."  The Bank will also check that the system's not fault. "Your spend it." and said "Please check your credit card is stolen or not". Friends told me to park it. "I still get the card". Then friend open their wallets to view card. He found someone other credit card too. Bank cards do the same. It expired I was stolen from open locker then replace with other credit card at fitness previous.

When friend not notify to the bank. The bank is not record to the system that mean. Card owner will be liable to pay the balance.


Lessons from this case.
I think that it's a good card to check for sure.
Here are some more suggestions.

1. Do not have a lot of credit card. Choose the best service 1-2 cards.

2. Trying to make a credit card that has the unique.The Photo Card with your dog is a cat on the card, the card has a little chip, have a sticker on my card.

3. In Thailand, a stolen credit card.The owner of the card and I was still critical.Is rarely used in Thailand. To steal the moment.The card will be realized as long as possible. And the current network.It is a fraudulent credit card to Inter's copy.Card information to them in other countries.


kman

knowledge credit card numbers

Knowledge credit card numbers

With credit card number. Is different each card that mean. A person's credit card number is not repeated in any credit card in the world. Because credit card number is unique identification number. Let we see about standard of credit card number is generate.

International Standards Organisation (ISO/IEC 7812-1:1993) and the American National Standards Institute (ANSI X4.13). Has define credit card numbering specification.
The first number of your credit card number is call MII (Major Industry Identifier), which represents the category of entity which issued your credit card. Different MII digits represent the following issuer categories:

MII Value	Issuer Category
0	ISO/TC 68 and other industry assignments
1	Airlines
2	Airlines and other industry assignments
3	Travel and entertainment (such as American Express and Diners Club)
4	Banking and financial (Visa)
5	Banking and financial (MasterCard)
6	Merchandizing and banking (Discover)
7	Petroleum
8	Telecommunications and other industry assignments
9	National assignment

The last digit of your credit card number is a check digit, it taking for checksum. The algorithm used to arrive at the proper check digit is called the Luhn algorithm


Example Some of the better known issuer identifiers are listed in the table below:

Issuer	Identifier	Card Number Length
American Express	34xxxx, 37xxxx	15
VISA	4xxxxx	13, 16
MasterCard	51xxxx-55xxxx	16
Discover	6011xx	16
Diner's Club/Carte Blanche	300xxx-305xxx, 36xxxx, 38xxxx	14

Nowadays technology increased very rapidly in many ways to identify the theft. The work of the free credit card numbers is strictly for academic purpose and also used in ecommerce experiments. Use credit card numbers in honest manner. Some free credit card numbers are purposely given to get hold of people who use it for their benefit. When a person using others credit card numbers it is an unethical offence. Using a working free credit card is a punishable offence. Internet service provider can easily identify the involved person. Once identified police can arrest him and prison him for remaining life. So an average percentage of people started using credit cards in a good way.


kman

Technique Credit Card

Technique Credit Card

Benefit of credit card

This time we will try to take advantage of credit card and i have some example using credit card every day in life. Let's see it. It will be a trigger line that we can use credit cards to benefit . Example

• Gas charge. Many gas station can accept with your credit card please check the benefits before refuel 
• Water supply. 
• Electricity cost. 
• Shopping supermarket
• Food and entertainment.

As you can see. It have many benefit from using credit card. You can use credit card for that but please check benefit of credit card. Because each credit card may be different benefit.

Above is the benefit of using credit card. Now we look for below in beware of credit card

Beware of credit card

• Do not withdraw cash with a credit card. Because card will be charged 3% of the amount drawn. You can find the other way such as call to credit card and let it transfer to your bank account. Which you may be not lose card charged and you can determined period time to pay off credit card debt.
• Try paid in full. There are no outstanding balance. You will not have to pay interest on credit cards. (Card interest. Credit at a rate of 20% per year).
• Do not be later than the date of payment. If you pay late payment penalty fee and show in history. Payment (reduce you credit)
• Not a charge on your credit card. Some shops charge up to 3-5% should be buying each other. No charge will be better.

kman

Credit Card Debt

Credit Card Debt

Simple just pay off all debt!. But for a real life it not easy same as simple text. Because we have many thing in my life is relate with money which importance (ex. bill for electricity charge , water , consumption and many more) and not importance (ex. bill for entertainment , new car , new TV , new mobile phone , dinner out side , travel , and many more). You will see we life is very complicate and have many passion. Because we need many more money for meet all our needs. That may be make somebody  found problem from using credit card. If you have a problem with credit card debt. I have a simple way for resolve when you have credit card debt.

• Check all credit card on your hand. How many debt on each credit card. List all and note in sheet for compare together
• List all Fee and interest for all credit card debt.
• Try phone to the all financial institute for negotiable of fee and interest. May be not success all financial  institute. But is good to be try. If success it will reduce your debt.
• Pay off debt. It absolutely you must pay off debt for credit card which have most interest and pay off more than minimum requirement. Because we need to end debt of financial institute which have most interest. After end debt of  credit card with most interest. you need to end subordinate debt credit card and try to end debt serialize until end all credit card debt. But between you focus to try the most interest credit card debt don't forget pay off debt credit card for minimum for other credit card. If you don't pay it have a fee and interest will be increase and make your don't success in solution in debt
• Don't get more debt now. If you get more debt you will not success in debt solution

Pay off credit card debt

Technic resolve credit card debt. The financial institute will be get your number pay off credit card debt for pay off interest. and remain from interest will be reduce your debt. That is the rule of financial institute. Good way you need to make a lot of pay of credit card debt in one card which have most interest for eliminate this debt which after eliminate most interest debt you need to eliminate second interest debt . and third and forth and ... until eliminate all debt. But don't forget pay off other credit card debt in minimum when you try to eliminate most interest debt.

Credit card balance transfer

It another technical for resolve your debt. It's credit card consolidation for all credit card debt in to one financial institute which is you easy to manage and maybe reduce you interest overall. which now have a many financial institute is offer interest for who want to credit card consolidation . You can check now of each financial institute for interest and duration pay off debt and consult free. For the best for you choice.

kman

credit bureau and blacklist

Credit bureau and blacklist what is it ?

Someone don't know about two word much more. Someone is think both is the same think. Now we will learn about it.

Credit Bureau
Is the reporting credit status after 24 months. That mean when you buying , paying , delay pay, less pay, and every activity about credit card will be record at credit bureau is credit status after 24 months. Which is effect with us. When we need to loan from bank . Them will check credit bureau. If him found you have bad activity in credit card. financial Institution will be not agree for your new loan. But have a solution for fix this. Easy way you must pay loan in period time until record that bad activity is shift out 24 months from credit bureau record. If you hesitate about my credit. You can request for credit report information from credit bureau but it little cost for will that too.

Black List
The list of people who have bad financial history. The book is a black list. That person's status is still like it. Is there any movement.

Let we know credit bureaus little more
Credit bureau or National Credit Bureau is company that collects credit information. Of member financial institutions. When financial institutions to lend. Their loans or who owns the data itself. To be able to submit an application. Credit report information. To which the report will contain information about the facts of the loan. History, credit history, obtaining credit and loans to pay. Payment history or credit card information to credit bureaus about. Or private property. Account information. The person will report to the credit information only.

Credit bureaus and black list
It outlined that the black list is attached to a bank account. With a history of financial loss. The credit bureaus. The Loan Status Report after 24 months I would recommend for you to loan from financial institutions. Have the ability to pay. Bank loans back , if not payment . May affect the history of credit. The financial loss. Next time when you need money from financial institutions it more difficult.

kman