Advertisement In Q3 2018, there were over 254 million active PayPal users in the world. It appears that people don’t realize—or simply don’t care—that there are several online payment processor alternatives to PayPal that are safer and better.Sadly, convenience and availability tend to trump everything else.And that’s true of the PayPal Credit Card as well. Despite its mixed reviews, a lot of people have and use a PayPal Credit Card. Should you start using one too? Here’s what you need to know to make an informed decision.How the PayPal Credit Card WorksPayPal actually provides three different forms of credit: PayPal Credit (formerly called Bill Me Later) PayPal Extras MasterCard PayPal Smart Connect Card As we learned in our overview of PayPal’s consumer services, PayPal Credit isn’t actually a credit card. It’s simply a credit line that’s part of your online account and comes with some benefits. The Smart Connect Card is … [Read more...] about 5 Questions to Ask Before Getting a PayPal Credit Card
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Advertisement Your Android Phone is a lot of things. It’s your camera Google Camera: The Official Vision for An Android Camera App Google Camera: The Official Vision for An Android Camera App Today I'd like to tell you about a camera app that doesn't do very much -- by design. You should still try it, though, because it comes direct from Google. Read More . It’s your organizer. It’s your computer Ditch Your Desktop! Turn Your Smartphone Into a Desktop Replacement Ditch Your Desktop! Turn Your Smartphone Into a Desktop Replacement Want to ditch the desktop and just use your smartphone? You can do that! Read More . And for some people, it’s what they use for accepting credit card payments.Yes, it doesn’t matter if you’re a street merchant flogging your wares to people passing by, or a tradesman going from house to house, you can take card payments with your phone. There are a lot of options on the market, each with their own strengths … [Read more...] about Credit Card Processing On Android: Best Tools For Accepting Payment
Advertisement Credit cards are nothing new in the United States or elsewhere in the world (there’s even a format to the numbers! Credit Card Numbers Are Not Random: How To Read & Understand Them Yourself Credit Card Numbers Are Not Random: How To Read & Understand Them Yourself You may have heard before that credit card numbers follow a certain pattern and structure so that they can be validated before a transaction is accepted. However, it's one thing to know that the structure... Read More ), but this year, a big change is coming to the plastic payment form that will make its transactions more secure.Curiously, the USA is behind Europe and other countries that have already adopted the new credit card standard. Before you start seeing new terminals deployed in stores and get a weird new card sent to your house, let us explain what’s changing.What’s Wrong with my Current Card?As they are now, US credit cards have a magnetic strip that contains all the … [Read more...] about Heads Up, Americans: Here’s How Credit Cards Are Changing in 2015
Advertisement People presume that you’ve been visiting “dodgy” websites if you admit that your credit card has been compromised. But that’s not usually the case: for instance, just last year, the massive discount retailer Target was hacked Target Confirms Up To 40 Million US Customers Credit Cards Potentially Hacked Target Confirms Up To 40 Million US Customers Credit Cards Potentially Hacked Target has just confirmed that a hack could have compromised the credit card information for up to 40 million customers that have shopped in its US stores between November 27th and December 15th of 2013. Read More .Potentially, 40 million US customers could’ve had their data stolen.If your credit card has been hacked, you’re probably feeling a bit embarrassed and angry. You’re no doubt panicking too, like you’re racing against the clock to reclaim your account. Yes, there is some degree of urgency, but hackers are at their most dangerous when … [Read more...] about What To Do If You’re A Victim Of Online Credit Card Fraud
Dear Liz: Over the years, my husband and I have accumulated a number of credit cards. All have had a zero balance for years. I want to start canceling these cards, but I’m concerned that will hurt our great credit scores. How should I go about this, or should I?Answer: As you probably know, closing credit accounts won’t help your scores and may hurt them. That doesn’t mean you can never close a credit card, but you shouldn’t close a bunch of them at once or close any if you’ll be in the market for a major loan, such as a mortgage or auto loan.If you’re not planning to borrow money in the near future, then you can start closing accounts one at a time. You’ll probably want to keep the cards with the highest credit limits, and perhaps your oldest card as well. Monitor your scores to see how long they take to recover from each closure. You may need to wait a few months before shutting the next account.Be sure to use your remaining cards … [Read more...] about Too many credit cards? Protect your credit scores while closing accounts
Advertisement Are you tired of juggling half a dozen credit and debit cards in your wallet? I know I am. It would be great if a more convenient option were to overtake them, wouldn’t it? Well, that option may already be here.Payment alternatives such as the ever-more-popular Google Wallet Google Wallet Looks Beyond NFC And Is Now Available On All Android Phones Google Wallet Looks Beyond NFC And Is Now Available On All Android Phones The new Google Wallet app is a significant update because now it won’t be limited to just NFC enabled smartphones, but all Android handsets. The app is still U.S. only. Read More and its competitors like Apply Pay, Samsung Pay, and Android Pay Everything You Need to Know about Apple Pay, Samsung Pay, and Android Pay Everything You Need to Know about Apple Pay, Samsung Pay, and Android Pay Android Pay, Samsung Pay, Apple Pay all have their advantages and disadvantages. Let's take a look at exactly how each of them works … [Read more...] about What Are Smart Credit Cards, And How Do They Work?