Credit Card Phishing Scams

What Is Phishing? All new technologies come with their drawbacks and it is no different with credit cards. One of these drawbacks goes by the name of Phishing. When a person uses a fraudulent email or online shopping site to get hold of information about your credit card or bank, it is called phishing.

Phishing is easy which is why it is so popular with thieves. In the first instance, it begins with a cleverly phrased email that seems to come from your credit card company or your bank. It usually asks you to provide confidential details for verification. It may also threaten to close your account unless you give the necessary information. Another popular method is to set up fake shopping websites that only accept online credit card payment. You will never get the goods that were displayed. If you comply in either instance, you will end up with a highly inflated credit card bill and a sadly depleted bank account statement.

How To Protect Yourself From Phishing?

The best way to protect your credit card from phishing is to reveal information only after cross checking. Often, all you need to do is contact the concerned bank or company and confirm the email. A detailed scrutiny of the email before dashing off a reply also helps. Such emails usually do not have a salutation like ‘Dear Customer.’ The name of your Credit Card Company or bank will also be spelt incorrectly. Since anti-phishing scanners search text messages, phishers may enclose the message as an image. If your credit card requests are contained in an image, be doubtful.

In case of online shopping sites, beat the tricksters at their own game. For a first time purchase, use a credit card that is about to expire and has minimum credit. If the purchased item does not land at your doorstep within the promised time, at least your losses will be limited and you can be sure that the information cannot be used to perpetuate a bigger fraud.

Evolution Of Brogue Shoes

The mantra in todays fashion world is to unearth the winners of the past and give them a modern twist. Were seeing a comeback of trends that were prevalent in the 60s and 70s, whether it is in clothes, hairstyles or even footwear. The most recent reappearance in footwear is that of brogue shoes.

Though brogue shoes for men never truly went out of fashion, they did go in hibernation for some time. But designers have rediscovered their evergreen style, and have brought it back on the ramp. Theres more variety and more designs than ever before, and this time, even women will be able to experience the uniqueness and class of this shoe.

Originally designed as a casual shoe for the menfolk in Ireland and Scotland, brogue boots were marketed as an inexpensive shoe to serve a purely functional purpose. The humble Irish workers adored the shoe due to their unique perforated front and tongue-less laces. These were so created so as to aid the workers in being comfortable on the damp bogs of the countryside where they worked. The holes helped drain out water from inside the shoes, if it filled in during the rainy season.

Dress brogue shoes also became popular in Scotland, where they were worn during formal dances. These shoes had a little heel that made a distinct sound as they were tapped on the wooden floors. These were usually made from untanned leather, which is why they retained its original brown color. The lacing was a cross-over style that could be tied up till the calf, for better grip, and looked great with Scottish kilts. These are available as full, half or quarter variants, where the fractions refer to the amount of perforations on the shoe.

Today, the brogue shoe has come a long way and is worn on most formal occasions. Available in black and brown tanned leather, they are considered as some of the most stylish mens shoes, with innovations taking place for the last 150 years. The sale volumes of brogue shoes for men have reached new limits in recent times, and still continue to grow. No other shoe offers style and comfort in the way these shoes do, which is why they have a huge fan following.

Escape the Trap – Reduce Credit Card Debt

The invention of money made life easy for the payment for the remuneration of goods and services. However, the invention of plastic money can be considered as a glittering trap, it is attractive and impresses everyone with the facility it provides but eventually it becomes our biggest problem. Having access to such buying power, typically a lot more than what we can afford, is as dangerous as can be. Afterwards, we often find ourselves asking how we can reduce our credit card debt. The answer to this question and the solution to this problem isnt easy, but it still isnt impossible.

The first thing one can do is to stop using our credit cards until absolutely necessary; it will help you by keeping your debt from increasing, and even in reducing it in the long run. Nevertheless, your debt has to be paid. To reduce credit card debt, you must have a proper, step-by-step plan of action that eventually results in the reduction or elimination of your credit card debt.

The first step is to figure out where you stand. Map out every transaction you make, en detail, for your own records. Also, make sure that you record bill payment dates, minimum amounts payable against every debt, rate of interest and everything else that pertains to your transactions and every credit card you have.

From this record find out the minimum amount payable against a card, and start paying that amount periodically and regularly this will eventually start to reduce your outstanding credit card debt and not using the credit card will keep it from increasing. This will serve as a double-edged sword and shield against debt!

Keep following that payment plan, and in due course when youre through all your debt on one card, start working on the next till youve cleared every credit card you have. Additionally, savings help! Use the money that youve stopped spending for clearing the payments on your other cards, and once youre through them all, save! Not only can you pay more than the minimum amount of the rest of the credit card accounts, your debt will be cleared earlier and youll have a decent sum saved up for rainy days.

When all the debts are cleared, cancel all your unneeded cards and keep only one or two that you can use in case emergencies. Credit cards are good if used properly and sensibly, otherwise, it turns into a death trap because we lose control!

Things to Know about Credit Card Rewards Programs

Credit card rewards programs have come a long way. At first, they were reserved for the elite credit cards, which mostly required high priced annual fees to participate. Now, most every credit card has a rewards program, and most every program doesnt even require an annual fee. Thats the beauty of rewards programs nowtheyve become a major way for credit cards to compete for your business. So you should take advantage of your opportunities and get the best rewards program possible.

1. Experience Rewards

The first thing you should know about credit card rewards programs, though, is that todays are not your grandmothers rewards programs. Today, you can basically get anything that you want as a reward. This new system is sometimes called “experience rewards”by which you can practically name anything as a reward to the credit card concierge, and he or she will tell you then how many rewards points you need.

2. Is it for You?

Of course, you should know whether or not you need such extravagance. If you dont have the time or the inclination to, say, ask for an experience reward like an African safari, then these fancy cards are not for you. You may be better off looking for cash-back rewards programs, or a smaller scale travel rewards program with no annual fee.

3. Are You a Dedicated Customer to a Particular Brand?

A third aspect of rewards programs to know about are the very specific cards out there from, for example, a specific car maker or a theme park company. Usually, rewards from these programs go to free or discounted items from only that particular company. That makes these cards only worth it for very dedicated customerssomeone who only buys GM cars, for instance, or someone who regularly visits Disney parks or stores.

4. Shop Around for the Best Deals

Whatever type of rewards program you pick, you should be sure youre getting the best bang for your spent dollars. Many average programs offer 1 reward point for every dollar spent, or 1 percent or less cash back for every dollar spent. If you shop around for specials, however, you may be able to find even better deals in rewards programs.

5. Know the Ins and Outs of Your Deal

Lastly, never pass up the chance to beef up on your rewards points. Most cards offer chances to load up on points through special promotions. They may, say, offer triple rewards points during the first six months you have the card, or offer more cash back if you shop at specific stores or eat out at restaurants. Know these deals. Take advantage of them!

Anaheim Ducks Customized hockey jersey Teemu Selanne close to decision

Selanne Teemu closer to the final decision on whether he will come back to Anaheim ducks this season, according to multiple reports.

“Next week, I know what I want to do,” Selanne told the orange county register (California).

Selanne, 43, told the register, if he chooses, he will want to return to the role of the first two lines of a duck.

“My view is that if they are better than me, I’m looking forward to and accept a small role,” Selanne, told the newspaper.”But if I am better, I need to play more. I need to make before minutes. That’s what I’m looking for. It is fair to everyone.”

20 years of veterans, Selanne scored 12 and 24 points in 46 games last Anaheim Ducks Customized hockey jersey season, his eighth ducks.Finland’s right-wing average at least 15 minutes of

Anaheim Ducks Customized hockey jersey ice every 16 seasons each of the past.

“To be honest, I have been playing an important role,” he told the register.”I don’t know if I’m going to play a game, 10-12 minutes, that’s what I want to make sure. If I play well, I get what I deserve it.

“Sometimes it’s not like that. So I want to make sure I take I deserve it.”

An all-star, 10 times Selanne registered 675 goals and assists 755 times in his career.He now sat 11 goals in NHL history list, the second in the active player, second only to Jaromir Jagr (681).

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