Yes, you read it right….credit scam. I wasn’t expecting there is really such. I thought scams only exist in business, online jobs, or anything that goes with money. Now I know credit scam is also possible. Well, with the internet, nothing is really impossible. Most scams are through the world wide web. Fraudsters are also almost everywhere. They can easily victimize credit card holders in subtle ways such as selling something over the phone to get the card holder’s card information. There’s a lot of ways one can be a victim of fraud and scam. Hence, it is always safe to be sure that when doing an online transaction using a credit card, be sure that the site is legitimate and real. Credit card holders are also advised to get their credit score from time to time to check for signs of credit fraud early. This is really scary and I hope I wouldn’t be a victim of this should I get a credit card and put this in mind…never pay for a pre-approved credit card because it surely is a scam.
Popularity: 41% [?]
16
Jun
2008
Family, Finances
Our yesterday’s trip was indeed worth the money, effort and time. Ace is now interested in going to beautiful places since he can afford to.LOL. We will definitely go back there with PILs because they’ve never been to Philippine Eagle Center. I was then thinking of Ella, Donald, Carol and my Daddy to also bring them there. The only problem is the transportation. We don’t have a car and going there by means of public transport is not very convenient for us. Anyway, Manang Inday then told Ace he should have a car so that we can go anywhere we want at anytime. Ace is thinking about that months before but since it is a very BIG investment, we cannot afford to have it now nor in the coming months. On the way home, Ace was asking me if he can avail of a loan…hmmm…guess what he is referring to is a Pay Day Loan. Finding such is not that difficult because there are a handful of companies offering Payday Loans….some are even online! It will be more convenient for Ace since he is working and payment dates would not be a problem with payday loans because as the term implies, it could be paid during payday.hahaha. So, I guess he will be considering that option to be able to get his dream car. Then, we need so many moolah to pay for it!
Popularity: 38% [?]
A former officemate asked me one day for a certifate of employment with compensation for debt consolidation loan purposes. I wonder what that kind of loan is different from other loans such as salary or payday loans, character loan, etc. She was telling me she needed to consolidate all her debts (imagine she has a number of credit cards) into one so she needed a big amount to pay for all her debts outside and she will then concentrate on paying one account. Ok, got it. That’s it! I asked her what’s the point of acquiring a big amount to pay for all other balances because it’s somewhat the same story. Anyway, according to that officemate, it’s for her convenience. Instead of rushing to meet due dates from time to time, all she has to do is to worry for one account alone. That would save her much time of going to different banks to pay. Well, she has a point there. I just didn’t realize at first that it’s possible. Now I learned that there’s really such a thing as debt consolidation and even come across a website of such services. Nodebttoday.com offers debt consolidation services. It aims to help debtors to get out of debt. It’s main business is to communicate with all the institutions and consolidate all payables be it secured or unsecured loans at a very low interest. This way, debtor will be able to manage the payables well instead of paying with such high interests.
Popularity: 7% [?]
One of the privilege employees enjoy is being able to avail of loans, be it payday loan, character loan or whatever loan they call it. Name it and almost everybody knows it. In my previous employment, I get sick and tired of answering calls from different financing firms offering loans. Said loans are helpful to employees who are being able to avail of it as it is being used to pay for important things such as tuition fee or other school fees of the employee’s children. Those loan being offered are for those who have good credits only. But anyway, for people with bad credits, one can still avail of Payday Loan. Cash Advance can also be availed of thru online application so just imagine how quick and easy it is for the processing and approval. Guess I need to check it out for myself in case I might qualify for our youngest’ tuition fee.
Popularity: 9% [?]
Almost everyday I receive unsolicited mail offering credit cards but I am not interested in getting one so it all went to the trash folder. Ace has a supplementary card from MIL which is intended for grocery shopping and until now we haven’t tried using it. As I have said in my previous post, having a credit card can help in one way or another. According to MIL, just have it managed properly to save from accumulation of interest if purchases are not paid on due date. The banks are very strict on credit card approvals as applicants with bad credit record were all denied. This bank policy made it impossible for those who have bad credit record to have a credit card. However, gone are the days for this kind of policy because Requestcredit.com are now offering Credit Cards For Bad Credit. Hence, credit cards are not only for those with good payment record but to those with bad payment record. With Requestcredit.com, application are made online. Hence, it will be easier for those who doesn’t have time to go to the bank and get or submit their applications. Approval for online application is faster, I guess, than the other means of submiting application.
Popularity: 7% [?]
