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Home Business Tips & Tricks That Will Help You Make More Money
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Take a Break: Forward and Backward Tilt to Relax Your Neck Muscles
* Start with your head squarely over your shoulders and your back straight.* Lower your chin toward your chest and hold for 15-30 seconds. Relax, and slowly lift your head back up.
* Tilt your chin up toward the ceiling and bring the base of your skull toward your back. * Repeat the set several times ( 10x is recommended for each item ).
Ten (10 Cons) of an International Credit Card
Credit card (CC) fraud is the fastest increasing crime in the world. Tourist frequented place are first in the list of place resplendent with CC Fraud, i.e.: Florida is number one state, for that specific fraud. International Credit Card holders are mostly the victims of this unauthorized access to their accounts. Let's take a closer look of the problems faced by international credit cards.
1. Repetitive swipe-use of credit card or recycled numbers. After a credit card number has been used and disregarded, say cancelled, credit card companies would reissue the same number to other cardholders. The personal identification numbers (PIN) is changed as well as the credit cardholder's personal information. But it still bears the same credit card number. Also multiple swipes of cc card, after saying 'sorry system glitch swipe again'... thereby being charged twice, specially if its a Wi-Fi or wireless system, it didn't get registered the first time, scam. If the transaction puts you over the credit line you could get arrested, even if you call the bank and have one transaction cancelled or credit line raised. The deed is done.
2. Low standards when it comes to the use of cards by the participating merchants. This is a common problem encountered by international credit cardholders. Employees of the participating merchants have the full access to the account number as well as the security number of the card. Some evne note the card number expiration date and pin for personal use, later.
3. Account Statements given out by credit card companies contains less information about the participating merchant. It does not include relevant information about the vendor that charged any transaction on the credit card or provide for conflict or unauthorized transaction resolutions.
4. Unreliable blocking functions. Once a card loss is reported, it will still take months for the credit card companies to block the transactions being made through the lost, stolen or otherwise miss appropriated credit card.
5. Lack of validation software. Participating vendors should have better validation software installed on their computer system. Banks should have better security systems in place. Security is in place when you need it not, but not when needed.
6. Consumer unfriendly policies on fraud management. The policies on the present fraud management take the blame and liability on the cardholders though not directly stipulated. This means that the policies on the fraud management of international credit card companies protect not the consumers but the company or merchant. It's up to the individual to call the errant merchant before the bank, the individual must investigate and present a case - log a complaint.
7. Lax standards on investigation about fraudulent transactions. This is the sad part for the victims of fraud through their credit cards. Getting the suspects charged though proven guilty of fraud seems to take on slowly.
8. Credit card fraud is usually committed through online or wireless Wi-Fi transactions. This means that credit cardholders are not protected with the authorized or unauthorized use of their cards on purchases or services paid online. When applying for a CC make sure it has a chip, that encrypts information, when you do get it.
9. Most of the companies that typically appear on charges are those associated with pornography industry. These companies are the ones that accept transactions even without verifying the cardholder's information. And chances are your giving your CC card number to criminal organizations for their use, assuming you're using pronographic sites.
10. Most of the banks' system is not compatible with other international credit card companies for the e-commerce. This is a potential weakness that would mean loss of clients so they would prefer to keep quiet about it.
John A Silva
eBiz & IT Consultant
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