France capital – Cerib http://cerib.org/ Tue, 22 Mar 2022 00:31:59 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://cerib.org/wp-content/uploads/2021/11/profile-120x120.png France capital – Cerib http://cerib.org/ 32 32 How to transfer money from a credit card to a bank account https://cerib.org/how-to-transfer-money-from-a-credit-card-to-a-bank-account/ Mon, 21 Mar 2022 19:38:21 +0000 https://cerib.org/how-to-transfer-money-from-a-credit-card-to-a-bank-account/ When you’re short on cash, credit cards come in handy. However, credit cards are not always accepted for certain transactions. Mortgages, stocks and warrants are all examples of items that cannot be paid for with a credit card. You can still transfer money from your credit card to your bank account in this situation. Here’s […]]]>

When you’re short on cash, credit cards come in handy. However, credit cards are not always accepted for certain transactions. Mortgages, stocks and warrants are all examples of items that cannot be paid for with a credit card. You can still transfer money from your credit card to your bank account in this situation. Here’s everything you need to know about such a deal.

Source: Paysend

There are two scenarios you may encounter when transferring money from a credit card to a bank account.

when banks allow you to transfer money from your credit card to your bank account

  • You can transfer money directly to your bank account via net banking, money transfer, credit card or phone call, or indirectly via an e-wallet linked to your bank account.

when banks prevent you from transferring money from your credit card to your bank account

  • Checks or ATM cash advances can be used to transfer funds.

Direct deposit to your bank account

You can use the Net Banking app or even the phone to transfer funds directly from your credit card to your bank account. Since daily and monthly transfer limits differ from bank to bank, you should check with your bank for the most up-to-date information. The transfer is almost instantaneous if you transfer funds to an account with the same bank as the credit card. If the transfer is to another bank’s account, however, it should take two to three business days.

internet banking

Direct access to your credit card’s online banking account can be used to transfer funds. The fees for transferring money from a credit card to a bank account vary by bank. follow the steps described below:

First, go to your bank’s website.

step 2: log in to your credit card account;

step 3: choose the transfer option

step 4: enter the amount you want to transfer,

step 5: fill in the required information on the form, and

Step 6: Complete the transaction by following the prompts.

Phone call

If you need money right away and you don’t have internet access, you can always request a transfer. The fees for transferring money from a credit card to a bank account over the phone will be the same as the fees for using online banking. follow the instructions below:

Step 1 First call your credit card company,

Step 2 then request a transfer of funds.

Step 3: confirm the amount you wish to transfer to the bank account;

Step 4: Enter the bank account number and other required information;

Step 5: Complete the transaction by following the prompts.

Indirect bank transfer

Paytm and Payzapp are examples of e-wallets that allow you to transact quickly and securely. These are tied to your bank account and require you to go through a Know Your Customer (KYC) process.

If your bank won’t let you transfer money from your credit card to your bank account, don’t worry; there are well-known workarounds. Here are some possibilities to consider:

Cheques:

There is a feature called “self check” which allows you to write a check to yourself. Funds are deducted from your credit card and deposited into your bank account.

What are the steps to follow ?

step 1: type “self” for the name of the beneficiary.

Step 2: Complete the rest of the required information as you would when writing a check.

Step 3: Take the check to your local bank branch and deposit it.

What are the fees?

The fees and charges you pay will be determined by your bank’s check cashing and deposit fees.

Cash advance from an ATM:

An ATM cash advance is a service that allows you to use your credit card to withdraw money from an ATM and deposit the money into your bank account.

What are the steps to follow ?

Step 1: Withdraw money from an ATM with your credit card.

Step 2: Bring the cash to your bank branch and deposit it.

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Challenges ahead for cryptocurrencies – Numismatic News https://cerib.org/challenges-ahead-for-cryptocurrencies-numismatic-news/ Mon, 21 Mar 2022 17:55:06 +0000 https://cerib.org/challenges-ahead-for-cryptocurrencies-numismatic-news/ Cryptocurrency is touted as the way of the future, while physical coins and banknotes are demonized as the way of the past. Bitcoin and other cryptocurrencies have risen in value to become crypto-values ​​beyond comprehension. They are also notorious for collapsing along with stock market falls. There are advantages to cryptocurrencies when considered against the […]]]>

Cryptocurrency is touted as the way of the future, while physical coins and banknotes are demonized as the way of the past. Bitcoin and other cryptocurrencies have risen in value to become crypto-values ​​beyond comprehension. They are also notorious for collapsing along with stock market falls.

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Nj Payday Loan Providers: Who Are They? https://cerib.org/nj-payday-loan-providers-who-are-they/ Mon, 21 Mar 2022 09:27:44 +0000 https://cerib.org/nj-payday-loan-providers-who-are-they/ Nj Payday Loan Providers: Who Are They? Due to its warm climate and beautiful coastlines, New Jersey is a great urban area to live in. At the same time, some may find spending away from living in this city to get high. So people find it difficult to make essential […]]]>





Nj Payday Loan Providers: Who Are They?

Due to its warm climate and beautiful coastlines, New Jersey is a great urban area to live in. At the same time, some may find spending away from living in this city to get high. So people find it difficult to make essential payments eg mortgage, book and you will have electricity bills.

A payday loan can be a great way to get by whenever you’re short on cash. Because of the way the rules are created, they are an advantageous method of solving problems before revenues appear.

Direct lenders also provide all payday loans inside Nj. What is a financial primary, even in case? It is a company if not an individual who will provide short term loans. They have to be repaid, and appealed and you can pay, in a short period of time, which are as little as a month. This will be useful because it allows men and women to stop certain difficulties.

Everyone is aware that some people might receive personal offer information about their customers, which would lead to unpleasant phone calls and spam emails. But no, when it comes to cash advances, that can never happen. Hardly any other activity is allowed to take place in the process having primary loan providers in Nj-new jersey. This means that all information is kept safe and you can only try to share it from direct lenders as well as their followers.

Acquire online payday loan features in nj-new jersey

The cash advance inside the Nj offers many benefits to the borrowers. Among the many great things about this type of short title cash advances is how to obtain on the web functions. This will make the entire payday loan application process completely stress-free, as you won’t have to travel anywhere or change ranges for this to really happen.

The procedure is very simple. You need to go to the website of the approved lender and you can fill an application form alongside. It’s still user-friendly and simple, so you don’t have to waste hours trying to figure out how to do it right.

Do you know the requirements for getting an instant payday loan for Jersey?

  • Just be a proper citizen of Nj-New Jersey.
  • You just need to be at least 18 years old.
  • Their public coverage number must be indicated.
  • You will want a dynamic savings account.
  • You will need a full-time job with a monthly income of around $1,100,000 or more.
  • You need to promote a working phone number and an accurate email address.

Conclusion

As far as the state of New Jersey is concerned, no company is involved in obtaining a cash advance. Only major lenders will acquire the use of the personal data you provide to consumers. Moreover, the online application alternative is extremely useful and you can fast. Plus, new customers’ personal details stay safer throughout the process, so they won’t have to deal with spam.

Short-term money is an emergency borrowing from the bank on relatively smaller amounts designed to have only small title economic points and will certainly get an expensive product when title intentions in time are helpful.

The owner and you can drive out paydaydepot is not a lender and you may not be inside of it while making borrowing decisions of the loan otherwise the mortgage also provides. Instead, this site was created simply for a corresponding service, which allows the experience of new profiles of lenders and you can companies. This site may not charge any fees for its service, nor will it assist affiliates to begin exposure to any of its lenders or third parties otherwise dealing with a mortgage arrangement or services provided by lenders. The quick title loan products survey and industry trial showed on the website that they have only guidance grounds. paydaydepot does not promote people’s style of banking, nor can it portray or be guilty of the actions or inactions of your own loan providers. paydaydepot will not collect, shop otherwise actually has access to all information about your fees and charges on loan providers calling and you/or people loaning items. Short term money is not available in all states. Not all network lenders offer financing up to $1,100,000. paydaydepot never ensures that its website user will be adopted by financial people or even for a loan device, can be matched with a loan provider or if matched get short term finance for the requested terminology on the Internet mode. Lenders must do a credit check through many more credit bureaus but limited to the major credit bureaus so you can determine credit accuracy and credit score scopes. loan to give. Lenders regarding the network may need to perform additional verifications, including but simply for social security number, driver’s license amount, national identity card or other identity documents. The new conditions and you can get out of financing activities go from the lender to the bank and will certainly believe in many problems, in addition to not being limited by the state of the household and you can borrow from the bank reputation of this new candidate , plus the conditions determined by for each bank in private.

The annual percentage rate (April) is the loan rate calculated according to your annual term. Since Paydaydepot is not a loan provider and does not contain any details of these new terms and conditions or other information about fast tag loan products provided by the lenders yourself, Paydaydepot never provides the rate of particular annual percentage charged with regard to the mortgage product offered by the lenders. New APRs start considerably around the lender to help you financially, state to state and you will believe many deals, but limited by an applicant’s funding reputation. Much more loan promotion fees, and additionally, although not limited by origination fees, subsequent commissions, non-payment fees and you will be punished, as well as not very financial measures, such as commission reports subsequent and debt collection strategies, could be applied by lenders. This type of monetary and you can non-monetary measures have nothing about paydaydepot, and you won’t have any repossession information anyway measures tend to be taken because of lenders. Most economic and uneconomical charges should be disclosed in just about any type of loan arrangement in an obvious and transparent way. The new April is actually determined while the yearly charge which may not be a finance charge to possess pre-title gear.

It is imperative to contact the lending company in case late fees are expected otherwise you can easily feel it. In this case, you will be charged late fees and charges. State and federal regulations have decided later percentage cases and can start around the situation so you can case. All the details regarding the steps and the costs associated with the percentage of delay are disclosed in the mortgage agreement and must be evaluated beyond in order to sign the document related to the persons.

Economic and financial penalties are suggested in case of low percentage or missed percentage. Fees or other finance charges for late fee shall be shared under the financing agreement. Additional steps regarding non-payment, such as renewals, may be required upon consent offered. The latest renewal news is to be revealed in the for every in-person mortgage agreement. More fees and you can dunning fee is usually applied.


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Windsor council hopes to raise public awareness of the risks of payday loans https://cerib.org/windsor-council-hopes-to-raise-public-awareness-of-the-risks-of-payday-loans/ Mon, 21 Mar 2022 08:00:00 +0000 https://cerib.org/windsor-council-hopes-to-raise-public-awareness-of-the-risks-of-payday-loans/ Windsor City Council is seeking to educate the public about the risks associated with payday loans. Council is due to receive a report on the issue from city government at Monday’s meeting. District 3 Com. Rino Bortolin said the regulations likely won’t have much effect on the city’s payday loan companies, which can charge sky-high […]]]>

Windsor City Council is seeking to educate the public about the risks associated with payday loans.

Council is due to receive a report on the issue from city government at Monday’s meeting.

District 3 Com. Rino Bortolin said the regulations likely won’t have much effect on the city’s payday loan companies, which can charge sky-high interest rates.

“When we discussed this the last time, we focused on a lot of questions that focused on the usefulness of the licensing regime to achieve results,” Bortolin told CBC News on Friday. “And the result is really people don’t frequent them as often and keep more, more of their own money in their pocket.”

A better option, he said, might be to educate the public about the risks associated with taking out high-interest loans.

“I think at the end of the day if we license them and restrict them – we already have about a dozen of them – it’s not going anywhere,” Bortolin said. “You won’t really see much change unless some close later down the line.”

Putting a restriction on where payday loan companies can be located, for example, wouldn’t prevent them from operating and engaging in what Bortolin called “predatory lending practices.”

Bortolin said he’s interested in seeing the city create a committee that will work with community partners, such as agencies that issue social service checks, and talk to people using payday loan companies about other options. .

“I think the key is to make sure that [you] tell them “you know you can go to a credit bureau and get it at 8% instead of 20%, for example, or even less?” he said. “I know, for example, that the city is working with social services to get more people to make direct deposits.

There are challenges, however, he said. Banks may not cash a check for someone who does not have an account with them, for example.

Credit unions have been working to expand the way they provide service, Bortolin said, but access has also been limited due to the COVID-19 pandemic as some branches have temporarily closed.

Bortolin said one option might be to include a brochure with social services checks that includes information on ways to cash or deposit the check that don’t involve visiting a payday loan company.

Michellle Chase said she and her husband had used payday loan companies in the past when she worked minimum wage and was short on time due to illness.

Windsor resident Michelle Chase said she and her husband had previously used payday loan companies to get cash advances. They ended up having to declare bankruptcy. (Jacob Barker/CBC)

“Before you knew it, we couldn’t get out from behind,” she told CBC News. “We ended up having to declare bankruptcy to get out of the hole.”

“That wasn’t the only problem,” Chase said. “We were young and we lived kind of a party lifestyle. I don’t party anymore, but it’s so easy to [say] ‘I just need $100. I just need $100. And we had kids and bills to pay, food and all the other essentials of life. So it won’t be long before you’re swallowed into the pit.”

Chase said that in her and her husband’s case, they would go to a payday loan company to get a cash advance.

“We would get $800 and end up having to pay back almost double that by the time you eventually catch up,” she said. “Compound interest doubles every day.”

“And when you just have this low-income job, it’s almost impossible,” Chase said. “The phone kept ringing to the point where I had to change the number and it got really bad.”

Dave Booker originally took out a payday loan in 2018 to get his vehicle repaired. Booker said he suffered an injury and the pandemic hit as he tried to find work. Booker, a single parent, uses the loans to help pay bills and expenses.

“Now I pay $15 on every $100 I borrow,” he said. “That makes it even a little more difficult, but that’s the situation you found yourself in.”

Lower interest rates would help

“It was between paydays, I needed my van on the road and I had to pay the mechanic, so I had to borrow it,” Booker said. “Now I have to…always have to pay, because once you’ve paid it all back, you have to borrow that money back so you can try to stay afloat.”

Booker said he had a bank account and direct deposit, but was still “trapped” by the payday loan cycle.

“I have buddies…they just switch bank accounts and they don’t pay it back at all,” he said.

Booker and Chase said lower interest rates on payday loans would help a lot.

Bortolin said the city has already spoken to various agencies and partners about the issue, and “it’s really about formalizing it and creating collaboration.”

“I think what I’m going to look at is what kind of metrics can we layer on top of that and then check in a year or two to see if the program is working,” he said. “That’s what interests me, because we can move forward.”

“But if the number of people relying on check-cashing places increases after two or three years, then obviously it’s not working,” Bortolin said. “We have to try something else.”

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COA wants Maguindanao to reimburse P1.8-B projects https://cerib.org/coa-wants-maguindanao-to-reimburse-p1-8-b-projects/ Mon, 21 Mar 2022 07:57:30 +0000 https://cerib.org/coa-wants-maguindanao-to-reimburse-p1-8-b-projects/ State auditors find transactions related to projects between 2008 and 2009 in Maguindanao “illegal or irregular” MANILA, Philippines — The Commission on Audit (COA) backed its earlier decision by issuing rejection notices against Maguindanao provincial government projects worth 1.824 billion pesos. In a decision made public on Friday, March 18, the commission itself rejected the […]]]>

State auditors find transactions related to projects between 2008 and 2009 in Maguindanao “illegal or irregular”

MANILA, Philippines — The Commission on Audit (COA) backed its earlier decision by issuing rejection notices against Maguindanao provincial government projects worth 1.824 billion pesos.

In a decision made public on Friday, March 18, the commission itself rejected the petition for review filed by the former provincial treasurer of Maguindanao, Osmeña Bandila, against 49 disallowance notices issued between 2011 and 2012.

State auditors said project-related transactions between 2008 and 2009 were “illegal or irregular”, after a special audit found that 76% – or 1.86 billion pesos – of total project spending 2.437 billion pesos from Maguindanao were released in the form of cash advances to Bandila.

COA Circular No. 97-002 requires that government expenditures be paid by check directly to contractors or suppliers. Bandila, who is also a member of the province’s tenders and rewards committee, said vendors refuse to accept checks.

But COA said Bandila’s actions showed “blind disregard for the law and the rules of this Commission on cash advances”.

The audit team also found that the disbursements “were not documented or the documents submitted were false”, including official receipts bearing the same numbers, while a tax identification card belonged to an employee. of the local government unit.

COA also raised questions about the lack of business licenses of some suppliers. They also found that they had no records of tax returns.

The files would be turned over to the Office of the Ombudsman for further investigation. – Rappler.com

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Labor hire companies leave workers $100 a week after inappropriate deductions, minister says https://cerib.org/labor-hire-companies-leave-workers-100-a-week-after-inappropriate-deductions-minister-says/ Sat, 19 Mar 2022 20:20:45 +0000 https://cerib.org/labor-hire-companies-leave-workers-100-a-week-after-inappropriate-deductions-minister-says/ The federal agriculture minister has hit out at labor hire companies that leave foreign workers with just $100 a week. Key points: David LIttleproud says it’s not appropriate for workers to end up with $100 a week after employer deductions A major labor hire company told an investigation it made hundreds of dollars in deductions […]]]>

The federal agriculture minister has hit out at labor hire companies that leave foreign workers with just $100 a week.

David Littleproud said it was not appropriate for workers to end up with such a small take-home pay after their employer made deductions for things like accommodation, transport and visas.

“There is a small cohort in agriculture, like in all industries, that is doing the wrong thing that is cutting corners,” he said.

“And we’re doing that with increased regulation on labor hire companies and increasing penalties to make sure that if they do the wrong thing, we’ll take them out.”

David Littleproud says the government is increasing penalties for companies that mistreat workers.(ABC Sunshine Coast: Jacqui St.)

Mr Littleproud was asked about the deductions after a Senate inquiry heard that one of Australia’s largest labor hire companies had made hundreds of dollars in deductions from paychecks weeklies of Pacific workers.

The investigation was also told that during certain weeks some workers employed by MADEC ended up with $100 after deductions.

MADEC is a not-for-profit, accredited employer under the federal government’s Pacific Worker Program.

Its chief executive, Laurence Burt, told the inquiry that weekly deductions were made to recover several costs.

“In the first 10 weeks after a person arrives in Australia under the Seasonal Worker Scheme, they go through a process of paying for international airfare, visa fees, advance payment in cash and other expenses upon arrival…

“It spread out over the first few weeks of engagement and recovered on a weekly basis.

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How do credit card balance transfer checks work? https://cerib.org/how-do-credit-card-balance-transfer-checks-work/ Fri, 18 Mar 2022 19:39:05 +0000 https://cerib.org/how-do-credit-card-balance-transfer-checks-work/ If you have an unsecured credit card of any kind, you’ve probably received balance transfer checks in the mail. From a distance, these controls seem harmless – and even useful. Simply write a check in your name and deposit it in your own bank account. From there, you can use that money to pay bills, […]]]>

If you have an unsecured credit card of any kind, you’ve probably received balance transfer checks in the mail. From a distance, these controls seem harmless – and even useful. Simply write a check in your name and deposit it in your own bank account. From there, you can use that money to pay bills, make a purchase, or save for emergencies.

Sounds good, right?

Unfortunately, the devil is in the details when it comes to balance transfers or “convenience” checks. While being able to write yourself a check for any amount may seem ideal, it means taking on more debt. Worse, balance transfer checks tend to add fees that make borrowing that money particularly expensive.

Keep reading to learn more about how they work and the pitfalls to avoid.

How do balance transfer checks work?

Although credit card checks tend to look the same, they can come with very different offers. For example, some credit card checks you receive in the mail come in the form of a genuine balance transfer offer. When this is the case, writing one of these checks yourself means scoring 0% APR on those funds for 12-21 months.

However, if you read all the details, you might find a nasty surprise. While some balance transfers may be free, others charge a balance transfer fee of up to 5% of your transferred balance in advance. If you write yourself a check for $5,000, for example, you will owe up to $250 more and more of the money you borrowed.

In some cases, the checks you receive in the mail do not come with a 0% APR offer at all. They may be disguised as helpful balance transfers or convenience checks, but they may actually be just a cash advance.

If you read the fine print of the offer, you may find that you have to pay a cash advance fee of up to 5% to use your checks, then pay a higher interest rate to get started . Worse still, credit card checks intended for a cash advance offer no grace period. If so, interest will begin to accrue on your balance when you deposit the check into your account.

Consumer Warnings Against Credit Card Convenience Checks

the Consumer Financial Protection Bureau (CFPB) has warned of deceptive business practices with balance transfer checks and cash advance checks in the past. The warnings are the result of concerns about “the marketing of credit card interest rate offers such as balance transfers, deferred interest offers and convenience checks,” the CFPB says.

“As part of these promotions, consumers are often required to pay a fee to transfer a balance or make a purchase with their credit card in order to receive a promotional interest rate on that amount for a specified period,” writes the CFPB. “Although consumers pay no interest or a low rate of interest for promotional balances, any additional purchases consumers make with the credit card may incur interest charges immediately.”

That’s why it’s crucial to read the fine print of any offer you’re considering. Either way, you have to remember that 0% APR offers won’t last forever and every dollar you borrow must be repaid. In the case of cash advance checks, you will want to determine exactly how much this loan will cost you. Oftentimes, cash advances are incredibly expensive when you factor in upfront fees and ongoing interest charges.

Alternatives to convenience checks

If you really need access to cash, a balance transfer check might not be the worst idea. Nevertheless, it is important to read the fine print to determine your interest rate and the terms of the new loan before signing on the dotted line. You also need to consider whether you will pay an upfront fee to use a convenience check in the first place.

Also consider other loan alternatives that might put you in a better position once you factor in all interest charges and fees. In some cases, a personal loan from a bank or credit union may offer a better interest rate and better terms.

If you’re looking for a 0% balance transfer offer, you might be better off signing up for a new balance transfer credit card with low fees and zero interest for the first year or more. It is at least worth checking whether the offer you received in the mail is as good as the other options available.

As always, you should compare offers, fees, and interest rates to find the best option for your needs.

[This article was first published on The Simple Dollar in 2020. It was updated in March 2022.]

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Borrowing: Swiping your credit card? Think again https://cerib.org/borrowing-swiping-your-credit-card-think-again/ Fri, 18 Mar 2022 07:14:16 +0000 https://cerib.org/borrowing-swiping-your-credit-card-think-again/ Reckless credit card purchases, late payments, and credit deferral can lead to a debt trap. And unpaid dues can affect your credit score After the Covid-19 pandemic, credit cards have become one of the most popular digital payment methods. The growing use of credit cards suggests consumer demand for innovative financing options and credit constructions […]]]>

Reckless credit card purchases, late payments, and credit deferral can lead to a debt trap. And unpaid dues can affect your credit score

After the Covid-19 pandemic, credit cards have become one of the most popular digital payment methods. The growing use of credit cards suggests consumer demand for innovative financing options and credit constructions in an increasingly digital ecosystem. For most banks, the card issuance process is digital end-to-end, with video verification to speed up the know-your-customer (KYC) process.

The credit card to debit card ratio, a key indicator of increased credit card acceptance, rose to 7.5% in January this year from 6.9% in the same month last year last, and the credit/debit card spending ratio increased to 1.5x. in January this year versus 1x in January last year, according to data from an analysis by Axis Securities.

For the current financial year to January, credit card spending registered a 57% year-on-year growth to reach 7.81 trillion rupees from 4.98 trillion rupees in the of the same period in 2020-21. The increase in card spending is due to increased discretionary purchases, a resumption of domestic travel and the gradual reopening of international travel.

Credit cards are secure and convenient to use. However, reckless spending, late payments, and renewing credit can lead to a debt trap. Long delays and unpaid credit card charges will affect your credit score, and banks might not be willing to give you an education, a vehicle, or even a home loan.

So, to avoid getting caught in the trap of credit card debt, here are four factors to keep in mind before swiping the card.

Look for a low cost card
Look for a credit card that charges lower interest rates and zero or lower annual fees. Credit card issuers charge fees such as cash advance fees, late payment fees, ECS/discarded check fees, and statement requests beyond three months, among others. Experts say credit card refunds can encourage cardholders to spend more, which can then lead to a debt trap if the individual is unable to pay the outstanding amount owed on time.

Use the card rationally
The credit limit is decided by the credit card issuer at the time the card is issued. Ideally, use credit cards for emergencies or for fixed or recurring monthly expenses. Most banks allow a credit window of 4-5 weeks from the day of the expense to the date of the billing cycle. During this particular period, credit card spending is like an interest-free loan as long as you repay the amount before the due date. Ideally, you should pay the entire outstanding amount. However, if you are experiencing a cash shortage, you may pay more than the minimum amount due, which is calculated as 5% of the outstanding balance, or the sum of all installments, interest/other bank charges and the amount used on credit. limit, if any.

Avoid deferring credit
Credit report on a credit card is much more expensive than a personal loan. Banks may charge an interest rate of 3-4% per month for all deferred unpaid dues and interest is charged on your daily credit card balance. So if you’re rolling over credit, try not to use the same card for a transaction until you’ve cleared all outstanding debt. As the banks will charge interest for all transactions during this period which will compound the arrears and lead to a debt trap. Existing credit card holders should look for a low-interest card, then transfer outstanding debt from the card with a higher interest rate to one that charges less. This will reduce interest expenses and help avoid any debt traps.

Default of payment hits credit score
If you fail to pay the credit card bill on time, your credit score can take a hit. If it is impossible to pay the amount due, it is preferable to convert it into equivalent monthly installments and pay them regularly. Otherwise, take a personal loan, where the interest rate will be 15-20% per year, to pay off the credit card due. Avoid any type of debt settlement with the bank as it will affect your credit score.

living on credit
Look for a credit card that charges lower interest rates and zero or lower annual fees.
Use credit cards for emergencies or for fixed or recurring monthly expenses.
If you’re running on credit, try not to use the same card for a transaction until you’ve cleared all outstanding debt.
If you are unable to pay the outstanding amount due, convert the amount to EMI and pay them regularly.

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David Lawrence offers a collection of Morgan dollars and silver eagles https://cerib.org/david-lawrence-offers-a-collection-of-morgan-dollars-and-silver-eagles/ Thu, 17 Mar 2022 09:39:16 +0000 https://cerib.org/david-lawrence-offers-a-collection-of-morgan-dollars-and-silver-eagles/ Sunday Auction #1214 from David Lawrence Rare Coins (DLRC) is now live and features over 650 bundles in total – including over 20 vault values ​​and more than 325 unreserved lots. Included in the variety of fantastic PCGS, NGC and CAC approved items in this week’s sale is a popular first issue 1793 Crown 1c […]]]>

Sunday Auction #1214 from David Lawrence Rare Coins (DLRC) is now live and features over 650 bundles in total – including over 20 vault values ​​and more than 325 unreserved lots.

Included in the variety of fantastic PCGS, NGC and CAC approved items in this week’s sale is a popular first issue 1793 Crown 1c PCGS F15 (Vine/Bars, OGH); a Gem key date 1909-S VDB 1c PCGS MS66 RD (OGH); faultless 1882 5c PCGS/CAC Proof 67 DCAM; a rare Charlotte publish 1838-C $2 1/2 PCGS/CAC AU58; a semi-proof rarity 1875 $2 1/2 NGC AU58; and a near-finest 1867-S $20 PCGS MS62.

From the great state of Texas come on Liberty Hill Collection, featured in this week’s Sunday auction. Everything is bigger in Texas and this wonderful group of over 325 certified coins is no exception. With over 200 collectibles Morgan dollars and 70 certified silver eagles, this collection is a dollar collector’s dream. Highlights include an S-Mint key date 1884-S $1 NGC MS61; a shiny slider 1889-CC $1 NGC AU58; popular Town of Carson 1889-CC $1 PCGS VF30; a rare 1893-S $1 NGC XF40; and a rare white 1901 $1 NGC MS62.

Browse and bid before the auction closed Sunday March 27.

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READY TO SELL A RARE PIECE OR COLLECTION? SELL TO DAVID LAWRENCE

In addition to auction highlights like the Liberty Hill collection above, Rare pieces by David Lawrence always needs parts. When you’re ready to sell, we’re here for you. David Lawrence offers three options that provide maximum flexibility to meet your needs while providing the highest quality personalized service in the industry:

  1. You can sell your parts directly to us.
  2. You can consign your parts.
  3. You can participate in our guaranteed auction program.

DLRC Special Send

Discover our Special Consignment Collector! We offer the following options which can be combined or adapted to your specific needs:

Maximum returns – For coins over $10,000, consign with reserve and receive 90% or consign without reserve and receive 92%.

Immediate cash advance – For collections over $10,000, receive an immediate cash advance of up to 75% on unqualified shipments.

Fastest turnaround time – We will auction your coins within 3-5 business days of receipt, ending in approximately two weeks.

The standard conditions still apply:

  1. Coins from $1,000 to $10,000 – deposit with reserve and receive 85%; consign without reserve and receive 90%
  2. No cost guarantee – no registration fees, no imaging fees and no redemption fees
  3. Prompt payment – payment within 30 days of sale; for this promotion we can expedite payment to two weeks in most cases
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Webinar: Overcoming the challenges of deploying external data to launch and scale innovative financial products, March 30, 2022 https://cerib.org/webinar-overcoming-the-challenges-of-deploying-external-data-to-launch-and-scale-innovative-financial-products-march-30-2022/ Wed, 16 Mar 2022 19:18:55 +0000 https://cerib.org/webinar-overcoming-the-challenges-of-deploying-external-data-to-launch-and-scale-innovative-financial-products-march-30-2022/ Wednesday, March 30, 2 p.m. EDT The financial services market is going through an intense period of product innovation, with fintechs and incumbents launching new financial products (e.g. “buy now, pay later”, cash advance, virtual cards, etc.). These products depend on accurate, timely, and reliable external data for use cases including marketing, customer onboarding, underwriting, […]]]>

Wednesday, March 30, 2 p.m. EDT

The financial services market is going through an intense period of product innovation, with fintechs and incumbents launching new financial products (e.g. “buy now, pay later”, cash advance, virtual cards, etc.).

These products depend on accurate, timely, and reliable external data for use cases including marketing, customer onboarding, underwriting, credit, fraud detection, and portfolio monitoring, among others.

The matrix of product offerings and use cases can be challenging for FIs on two fronts. First, finding, testing, and integrating appropriate external data sources for each use case can be overwhelming among the sea of ​​data products available. Second, as FIs evolve, managing the overhead of data provider contracts across different regulations is not a trivial task. These challenges frequently lead to delays in product launches and workflow optimizations (for example, improving fraud detection by adding additional data sources).

Join this webinar to learn how two innovative fintechs are tackling this challenge using an external data platform that includes over 700 ready-to-integrate data products, a data orchestration layer to customize integrations, and a searchable data catalog .

  • The story of how two fintechs launched their financial products, including their journey to plan, launch and grow these products.
  • The challenges they faced with external data on this journey, especially around data sourcing, testing, and integration.
  • How an external data platform company has helped many financial institutions rapidly deploy and scale products and enable critical geographic expansion.

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