Merchant Account Credit Card Internet

  Merchant Account Credit Card Internet  - 5 compelling reasons why people go online to apply and get their credit cards  - Apr 17, 2007  

Gone are the days of long queues, lengthy paperwork and running from bank to bank, just to get a credit card. The online way is here. Forget all the hassles, all that you need to get a credit card and more can be done using a computer and internet, right from the convenience of your home. There are numerous advantages of using internet to apply and get credit cards. In this article we look at the 5 most compelling reasons why more and more people are adopting it.

1. Instant approval (or rejection)

No, long waits for that credit card decision. Fill in an online application and get instant decision in your email. This also saves a lot of embarrassment if the application is rejected (imagine facing a real rejection personally or on telephone). Credit card companies have numerous offers, if they reject your application and find that another offer suits you. They will readily email you that offer. This convenience is unmatched.

2. 24/7 convenience

No paperwork, no long queues, no driving, no hassles. Online application is available 24 hours a day 7 days a week and 365 days a year and all this can be done as long as you have a computer and are able to connect to the internet. The customer service is available via email, chat and toll free numbers. What more do you expect?

3. Information on your fingertips

Puzzled with financial acronyms? Want more information about a particular topic? Internet is the information powerhouse. There is a good help section on most credit card websites where they explain various terms and topics. And for some reason if you are not able to find it on the credit card website, simply Google your query and you will have your answer. Apart from all this there are expert groups, forums and knowledge base which will clear all your doubts.

4. Compare offers easily

Comparing two or more credit card from different companies is a snap. Many credit card websites provide this service. All you need is to select the cards you want and click on compare. The facts presented in a tabulated form, help you decide better and thus save more and get more with your credit card.

5. Online account management, updates and offers

Credit card companies, now allow you to access your account via internet. You can check, download, and make payments to your account all from the comfort of your home. Signup with the credit card company and receive online offers, promos, and updates about your credit card right in your mailbox. So, you have instant access to good and relevant information when you check your email.

The internet has given a new dimension to the convenience and hassle free credit card experience and it is gaining popularity at a rapid rate. If you haven't done it till now, its high time you took advantage of internet and add comfort to your life.

  Merchant Account Credit Card Internet  - How to dispute a faulty credit card bill and claim a chargeback  - Jun 18, 2007  

Credit cards are increasingly being used for offline and online shopping. With this rapidly growing phenomenon there are reports of credit card misuse and shopping fraud which might require disputing a particular credit card bill.

A person can dispute his credit card bill in two ways. First, when he hasn't bought anything and the actual purchase or billing on the credit card was done by someone else fraudulently or it simply got there by mistake. In second case the credit card holder purchases something (usually online) and when he receives the product he finds it substandard, defective, or simply a wrong shipment. In both the cases credit card holders can get their amount back because they were duped in one way or another.

The process of disputing a fraudulent or unworthy credit card bill is pretty simple. A very basic thing such as keeping record of every transaction that you make until things get satisfactory or they show correctly on your billing statements, helps tremendously in this process.

In the first case where you find that someone has fraudulently billed your credit card, contact the credit card company as soon as you receive any such communication. Talk to the credit card company representative, keep a record of the communication. Tell them that you didn't purchase that thing, and it is a faulty statement. Most of the credit card companies will simply revert the process. Because the credit card fraud liability in US is $50, that's all you owe, and if you have a good relationship with the credit card company this fee is also waived.

In second case when you get a damaged, incorrect or substandard product. Contact the merchant and tell him about the problem, keep a record of every complaint and conversation. If possible interact with the merchant in writing. If the response is positive and the merchant agrees to replace back the product, things are settled. Otherwise contact the credit card company and tell them about your problem. Enclose the copies of complaint and details of defective product. Ask them for a chargeback. All the big credit card companies favour the customer whenever there is a complaint. So, in most of the cases you will get a chargeback.

Being cautious while using credit card and not allowing them to fall into wrong hands will help you avoid any credit card faulty billings. Reading your credit card monthly statements carefully, and checking them against actual purchases will help you find out the wrong statements and dispute them instantly.

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