When selecting a credit counselor, you have a lot of choices. Thanks to the increased indebtedness of the average American household and changes in the Federal Bankruptcy Code, there are literally thousands of consumer credit counseling services from which to choose. With that in mind, why [...]

The two dominant myths about credit counseling and debt management plans are that (1) they are magic bullets to eliminate your debt, without exception, for pennies on the dollar; and (2) they are rip-off operations that will charge you onerous fees, take your money and run, [...]

In the broad sense, “credit counseling” can refer to any of the educational or debt relief services provided by a credit counseling service. Obviously, taking a voluntary class in budget management will have no direct effect on your credit - although it could help you to [...]

Consumers may already be using an RFID tag inside their key chain to pay for gas, allowing the credit card to remain in its spot in their wallet, while MasterCard holders have the ability to tap and go with a PayPass card. Now, a company called ViVOtech is planning to give cell phones the [...]

Verified by Visa (VbV) is an online service designed to make Internet transactions safer by authenticating a cardholder’s identity at the time of purchase. Verified by Visa software installed at a merchant website activates the cardholder interface during the authentication process.
The goal of Verified by Visa is to create a level of consumer trust and [...]

What is a debit card?
Visa Debit cards function exactly like any Visa card but provide direct access to funds in a cardholder’s deposit account rather than a line of credit. With Visa Debit, cardholders exercise the choice to “pay now,” compared with Visa credit products, which allow cardholders to “pay later.”
The success of debit
The [...]