Company and Director credit reports and annual accounts, how to get free annual credit report.#How #to #get #free #annual #credit #report

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how to get free annual credit report

Company Credit Reports are delivered instantly online and by email. Each report includes current and historical risk score and credit limits, director details, shareholders, annual accounts, mortgages, CCJs and more. Full content list

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How to get free annual credit report

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  • . we have recently started to use international company reports from ukdata.com in our research, and giving our consultants easy access to this key financial information has proved invaluable. Chris Humpherson, Sales Analysis
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  • Very fast and efficient service. Your website was easy to navigate, and I was able to access the information I needed easily. Thank you. The Eight Bells.
  • We are about the place an order for £100k of consulting against our CRN tool and two suppliers that we shortlisted and interviewed were almost identical. That was, until we looked at their financial status. Gary Hunt.
  • I have been very happy with all of the information provided, thank you. I think your system is very slick and works exceptionally well, I will be continuing to use your services. Graham Burgess.
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  • UKdata.com offers a fast, straight forward user friendly service with a range of options that met all of our requirements. Professional and efficient plus an incredible range of reports to choose from. Getting. Rob Lee.
  • I found the service very good and will definitely be using your company in the future. The staff I dealt with were very helpful as I had to get the information urgently and had techncial problems re the website. Rory-Kennedy.
  • I have only used your service a few times but I have found the web site easy to use and very efficient, and good value! Richard Harvey.
  • The information I wanted was easy to identify and provided by your systems quickly and clearly. It was a more simple process than the alternative provided by Companies House. Mr James Case.
  • The report we ordered provides us with the information we need, no more no less. This is exactly why we use EU UK Data to obtain financial information abour our UK customers. M Lutz, Cindu Chemicals BV.
  • The site is excellent and user friendly. it is not often nowadays to have an organisation that actually looks after its clients no matter how small the transaction. Jim Dobson.
  • As Associate Director of the Savills Lincoln Commercial office and Director of Poyntons Consultancy Ltd., We have found EU UK Data .com an invaluable source of information when researching companies. The. James Fairman, Company Director.
  • Very quick delivery and easy to use. Thank you for an excellent service. L Biddle, Philip James Partnership Ltd.
  • It’s really excellent. Very fast and informative. I think it is better than any of the alternative service providers that I’ve used. Jeremy Heal, Howes Percival LLP.
  • Thank you – your valuable service was of more value to me than the reports themselves so please do forward this message to your manager – such service is very rare these days! Nader Sanati.
  • The information was very useful for us. We could not find substantive data on a private UK company and your full profile report was just what we needed! I am sure we will order more reports in the future. Rebecca, TVA Economic Development.
  • Well i would like to say that I was very happy with the sites security and online payment service the phone call that followed further served to impress me. All of the service that you provided was efficient and overall a positive experience. Chris Hargreaves.
  • . we have recently started to use international company reports from ukdata.com in our research, and giving our consultants easy access to this key financial information has proved invaluable. Chris Humpherson, Sales Analysis.
  • We are using the ukdata portal regularly. We are very satisfied with the service. It is easy in handling and the monitoring feature is great. We are very satisfied with it. Claudia te Kloot.
  • We are about to place an order for £100k of consulting against our CRM tool and the two suppliers that we shortlisted and interviewed were almost identical. That was, until we looked at their financial status. Gary Hunt.
  • We are very satisfied with the service the staff are all very helpful. Doreen, Fishwick Services LTD.

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How to get free annual credit report

How to get free annual credit report


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Credit Cards – Our Best 0% Credit Card Deals, best credit card deal.#Best #credit #card #deal

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Compare more than 100 credit cards instantly and find top deals on: 0%

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Why should I use Smart Search

Using Smart Search makes you less likely to be one of the millions of people who get declined for credit cards every year. Smart Search shows you which cards you’re most likely to be accepted for, so you can avoid the ones that are more likely to decline you. Getting declined can damage your credit score, and this makes it harder to borrow money in the future.

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Frequently asked questions

It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. Our guide explains how credit cards work – and how to select the right card for you.

What is a credit card?

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical.

Credit card comparison

When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad

  • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
  • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest.
  • Reward cards: – these cards offer cashback or loyalty points.

If you want to use a card for shopping, there’s little point in applying for a 0% balance transfer rate. Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever.

Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt.

People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points.

There are also various deals available for people who take their credit card abroad and for those who have a poor credit history.

Pros and cons of credit cards

Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card.

But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.

Find the right credit card

The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.

There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”


In News

Company and Director credit reports and annual accounts, how to get free annual credit report.#How #to #get #free #annual #credit #report

 - 

how to get free annual credit report

Company Credit Reports are delivered instantly online and by email. Each report includes current and historical risk score and credit limits, director details, shareholders, annual accounts, mortgages, CCJs and more. Full content list

Director Reports Search

Director Reports are delivered instantly online and by email. Each report includes all directorships, credit scores and key financials including cash at bank, assets and turnover (if available) for each associated company. Full content list

Subscribe Save

How to get free annual credit report

Sign up to one of our brand new subscription packages and you’ll save a huge amount every month.

Starting from just £25 a month, every subscription package comes with unlimited free company documents, and is tailored to give you great savings whatever your usage.

Thousands of businesses trust ukdata.com for their financial information

How to get free annual credit report

Our service to you

  • Free searching for Companies and Company Directors. Search by name, number or postcode.
  • Free customer support contact us by live chat, email, telephone or visit our office.
  • Credit check companies instantly – find out if a company has a good credit report instantly.
  • Free email alerts – receive free email alerts for filings and credit report changes on any UK company.
  • Pay As You Go – no commitment or contract.
  • Business user? – Visit the business account page.
  • Access all your credit reports and documents any time from your account.
  • Download credit reports and documents at any time. 99.99% uptime.
  • Update your company phone number, add a fax number, email and website addresses.
  • Confidentiality Guaranteed – All searches and purchases are completely anonymous. Your identity is not revealed to your target companies

Order Credit Reports using PayPal

How to get free annual credit report

If you require only one credit report, you can pay instantly using PayPal without the need to login and go through our checkout process. If you have an account with us already, we will automatically add the credit report to your account area so that your documents are kept together in one place.

To get started, simply search for the subject company using the search above and click “Buy Now”. Reports are delivered by email.

Confidential Searching

All of your searches and purchases are anonymous and completely confidential.

Customer Comments

  • Very simple GUI, easy to navigate and very quick to complete the transaction right through to delivery invoice. Very well done. David, yourservice.uk.net
  • The site is excellent and user friendly. it is not often nowadays to have an organisation that actually looks after its clients no matter how small the transaction. Jim Dobson
  • . we have recently started to use international company reports from ukdata.com in our research, and giving our consultants easy access to this key financial information has proved invaluable. Chris Humpherson, Sales Analysis
  • We are using the ukdata portal regularly. We are very satisfied with the service. It is easy in handling and the monitoring feature is great. We are very satisfied with it. Claudia te Kloot
  • Detailed and precise. So brilliant suited me 100%. Quick info. Extremely helpful helpdesk. Mr Amer Khan.
  • Very fast and efficient service. Your website was easy to navigate, and I was able to access the information I needed easily. Thank you. The Eight Bells.
  • We are about the place an order for £100k of consulting against our CRN tool and two suppliers that we shortlisted and interviewed were almost identical. That was, until we looked at their financial status. Gary Hunt.
  • I have been very happy with all of the information provided, thank you. I think your system is very slick and works exceptionally well, I will be continuing to use your services. Graham Burgess.
  • Just want to say “Thanks”, you beat Companies House hands-down. Great service. Sally, Stowaway Limited.
  • UKdata.com offers a fast, straight forward user friendly service with a range of options that met all of our requirements. Professional and efficient plus an incredible range of reports to choose from. Getting. Rob Lee.
  • I found the service very good and will definitely be using your company in the future. The staff I dealt with were very helpful as I had to get the information urgently and had techncial problems re the website. Rory-Kennedy.
  • I have only used your service a few times but I have found the web site easy to use and very efficient, and good value! Richard Harvey.
  • The information I wanted was easy to identify and provided by your systems quickly and clearly. It was a more simple process than the alternative provided by Companies House. Mr James Case.
  • The report we ordered provides us with the information we need, no more no less. This is exactly why we use EU UK Data to obtain financial information abour our UK customers. M Lutz, Cindu Chemicals BV.
  • The site is excellent and user friendly. it is not often nowadays to have an organisation that actually looks after its clients no matter how small the transaction. Jim Dobson.
  • As Associate Director of the Savills Lincoln Commercial office and Director of Poyntons Consultancy Ltd., We have found EU UK Data .com an invaluable source of information when researching companies. The. James Fairman, Company Director.
  • Very quick delivery and easy to use. Thank you for an excellent service. L Biddle, Philip James Partnership Ltd.
  • It’s really excellent. Very fast and informative. I think it is better than any of the alternative service providers that I’ve used. Jeremy Heal, Howes Percival LLP.
  • Thank you – your valuable service was of more value to me than the reports themselves so please do forward this message to your manager – such service is very rare these days! Nader Sanati.
  • The information was very useful for us. We could not find substantive data on a private UK company and your full profile report was just what we needed! I am sure we will order more reports in the future. Rebecca, TVA Economic Development.
  • Well i would like to say that I was very happy with the sites security and online payment service the phone call that followed further served to impress me. All of the service that you provided was efficient and overall a positive experience. Chris Hargreaves.
  • . we have recently started to use international company reports from ukdata.com in our research, and giving our consultants easy access to this key financial information has proved invaluable. Chris Humpherson, Sales Analysis.
  • We are using the ukdata portal regularly. We are very satisfied with the service. It is easy in handling and the monitoring feature is great. We are very satisfied with it. Claudia te Kloot.
  • We are about to place an order for £100k of consulting against our CRM tool and the two suppliers that we shortlisted and interviewed were almost identical. That was, until we looked at their financial status. Gary Hunt.
  • We are very satisfied with the service the staff are all very helpful. Doreen, Fishwick Services LTD.

Credit Check your customers

Can your customers afford to pay you? Carry out a credit check to ensure you get paid. What is a credit check?

Your Data Security

This site is protected by a 256 bit SSL certificate and no credit card details are stored on our servers.

Payment Methods

How to get free annual credit report

How to get free annual credit report


In News

Popular cash-back credit cards, cashback credit cards.#Cashback #credit #cards

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Popular cash-back credit cards

Cashback credit cards

Advertiser Disclosure: The credit card offers that appear on the website are from companies from which this site receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.

If you’re in the market for a new credit card, look for a cash-back credit card that offers generous rewards and sign-up bonuses. The card that’s right for you depends on your spending habits and financial situation.

Do you want a fixed-rate reward for all purchases or a bonus for spending in certain categories, like gas or groceries? Choose wisely. There are hundreds of dollars at stake here.

Here are some popular cash-back credit cards, according to the experts at CreditCards.com.

Citi Double Cash

This card has a simple rewards structure with no categories to track, no cap on cash back and no annual fee.

  • Earn cash back twice: 1 percent on general purchases and 1 percent when you pay your bill on time. Two percent cash-back on everything makes this an industry-leading card for cash back on general purchases.
  • Pay no interest on balance transfers for 18 months.
  • Register your purchases online through the Citi Price Rewind program and the company will search for lower prices on those items and refund you the difference on better deals.

Who should get this card

This card is good for those seeking an affordable cash-back card with generous rewards on all purchases and an easy-to-use rewards structure. There’s no chasing bonus categories, no rotating categories and no annual fee.

This card charges a variable APR of 14.49 to 24.49 percent.

If you typically carry a balance, or often fail to pay on time, this may not be the card for you. There’s also no sign-up bonus, something you’ll find on other competing cards.

Chase Freedom Unlimited

CreditCards.com says this card is just as good as the Blue Cash Preferred. It’s ideal for the busy cardholder who doesn’t have time to worry about spending on bonus categories.

  • Earn an unlimited 1.5 percent cash back on ever purchase.
  • Earn a $150 bonus after you spend $500 on purchases in your first three months from account opening
  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99 to 24.74 percent.

Who should get this card

This card is good for those who want an easy-to-use everyday cash back credit card with rewards for all purchases. While the rewards aren’t as generous as competing cards, its simplicity and reliable rewards system makes up for the lower rate.

Freedom Unlimited charges no annual fee, making it a more affordable option than some other cash-back cards. It isn’t ideal if you do a lot of spending in one particular category that could earn a higher reward elsewhere.

This editorial content is not provided or commissioned by any of the referenced financial institutions or companies. Opinions, analysis, reviews or recommendations expressed here are the author’s alone, not those of any financial institutions or companies, and have not been reviewed, approved or otherwise endorsed by any such entity. All products or services are presented without warranty. Bankrate.com is an independent, advertising-supported publisher and comparison service. This post contains references to our partners, and Bankrate may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on certain links posted on this website.

Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


In News

5 Things You Should Know About Virtual Credit Cards, virtual credit cards.#Virtual #credit #cards

 - 

5 Things You Should Know About Virtual Credit Cards

Virtual credit cards

When you make a purchase from a big online merchant like Amazon, you can feel pretty confident that the company isn’t going to abuse your card number. But when the merchant is very new or has a tiny online presence, that purchase comes with a certain risk. The merchant has your billing address as well as your card number, expiration date, and security code. That’s everything an unscrupulous merchant needs to charge a Caribbean vacation on your card.

Yes, it’s true that you’re not liable for unauthorized charges, but until you get the charges reversed your account may not have enough credit for other, valid purchases. By paying with a virtual credit card number, you can shop safely even when the merchant is iffy.

What Is a Virtual Credit Card? A virtual credit card number is a randomly-generated card number associated with your actual credit card. Depending on the issuer, you may be able to set a maximum charge for the virtual number, further protecting your transaction. And typically you can set it to expire in anywhere up to a year from its creation date. To the online merchant, it looks no different from any other credit card. The charges appear on your regular bill, but the merchant doesn’t have your actual credit card number.

Where Can I Get a Virtual Credit Card? Bank of America offers the ShopSafe service to any Visa or MasterCard holder who also uses online banking. With ShopSafe you can set a maximum credit limit and configure the card’s expiration. Citibank’s similar Virtual Account Number service also lets you set a credit limit and expiry date, and it includes an optional Windows-specific application that can automatically fill in credit card details. MasterCard owns has its own virtual credit card service, but the issuer can choose whether or not to actually offer the service. Check with the issuer of your credit card to see whether this service is available.

Where Can’t I Get One? A number of other credit issuers have provided virtual credit cards in the past, but no longer. Discover halted such a service earlier this year when MasterCard bought the company supplying their technology. American Express offered “Private Payment” from 2000 to 2004. PayPal’s Virtual Debit Card system, which had the added bonus of letting you easily pay with PayPal even on sites that don’t support it, ended in 2010.

My Bank Doesn’t Offer Virtual Credit Cards. Now What? Boston-based Abine offers a product called MaskMe. The basic free edition creates disposable email addresses to foil spammers, and includes basic password management. For $5 per month you can upgrade to Premium, which gets you the ability to generate virtual credit card numbers even when your card issuer doesn’t have native support. A similar service called Shop Shield seems to have fallen by the wayside when the company re-invented itself to offer business-oriented password management. If you manage to get your hands on an Apple Watch or iPhone 6, you’ll have the option to use Apple Pay at stores that support it. While not precisely the same as a virtual credit card, Apple Pay serves the same purpose, letting you pay without giving the merchant a credit card number.

Are There Any Downsides to Virtual Credit Cards? The biggest negative for virtual credit card numbers is that they only work online. You can’t use a virtual credit card in a situation where you’d swipe a physical card. Also, returns can be problematic if the virtual card you used has expired; you might have to take store credit. And, of course, a crooked merchant can take your payment without shipping your purchase. Even though you used a virtual card number, you’d have to dispute that charge. Still, virtual credit card numbers can serve as a nice buffer between your actual credit card details and online merchants.


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Credit Cards – Apply for Best Offers Online at, how to apply for a credit card with no credit.#How #to #apply #for #a #credit #card #with #no #credit

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Credit Card Applications Online

Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

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How to apply for a credit card with no credit

Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

Capital One, Citibank, Discover Card, Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?

Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.

That’s where Credit-Land.com comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.

INTERACTIVE CREDIT CARD TOOLS

BALANCE TRANSFER CALCULATOR

Carrying a balance? Find out how much you’ll save – and how much faster you’ll pay it off – by transferring your balance to a new card.

CREDIT SCORE SIMULATOR

How to apply for a credit card with no credit

See possible changes to your credit score if you close your credit card, pay off the card balance, or if you get a new card.

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GAS REWARDS CREDIT CARDS: GET UP TO 5% REBATE.

COMPARE CREDIT OFFERS

FOR PEOPLE WITH PERFECT CREDIT HISTORY

If you have excellent credit history, then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

FREQUENTLY ASKED QUESTIONS

With a decade of experience in credit cards, Credit-Land.com experts are equipped to answer any question you may have. We’ve categorized and published selected responses for your education in our FAQ archive. Need an answer about credit cards? Submit your question today.

A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that the percentage of the amount spent on purchases is returned to you. This.

There are a lot of services with Mastercard sign in. You can use all of them or just those that suit your lifestyle. Below you will find some of the services you can use as a Mastercard cardholder.

Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

There are a lot of rewards credit cards with low interest rates that allow you to earn rewards on purchases, including GameStop purchases. You can choose to earn cash back, bonus points or miles.

The type of card that is best for an individual depends on someone’s spending habits and their overall level of responsibility when it comes to making monthly payments. If you are someone who.

To put it lightly, we wouldn’t recommend you to ever get a Sears credit card, not to mention any other store credit cards. Sears offers discounts or special financing for a short period. However.

How to apply for a credit card with no credit

Our Experts will be happy to answer all your questions!

* See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site. Information in these articles is brought to you by www.Credit-Land.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

* The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card’s issuing bank for terms & conditions.


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Top 10 free VCCs Virtual Credit-Debit Card providers in India, virtual credit cards.#Virtual #credit #cards

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TechApple

Top 10 Free VCCs Virtual Credit-Debit Card providers in India for Best Deals

There is a limit on number of transactions that can be done via a Savings bank account, multiple transactions via the same debit card may cause extra charges deduct money from your account which isn t desired.

Also, many online shopping portals come up with cashback discount offers for a specific bank account, which we may not have and we may need to avail that offer. Yes, you can avail cashback offers for bank cards even if you don t have an account! its possible via VCCs or Virtual Credit Cards (virtual Debit Cards offered by apps) . Also these cards support international transactions which isn t allowed by Indian bank, these virtual prepaid cards can come to your rescue here too! . Here, we look on to the Top 10 Free VCCs or Virtual Credit card service providers in India

Note You can thus have use your single bank account, to fund these cards and thus enjoy benefits for offers available for all the vcc card providing bank customers!

Virtual credit cards

FreeCharge Virtual Card

FreeCharge is perhaps the only mobile wallet from our top mobile wallets in India to have a Prepaid Virtual Card service attached to it. Thus, the Virtual credit card of freecharge extends its functionality and makes it easier to use anywhere on any website.

The Virtual card of Freecharge is powered by MasterCard Yes Bank and thus can also be used to get any cashback offers which are running for mastercard or Yes Bank card holders.

Virtual credit cards

Udio Prepaid Virtual Card

Udio is yet another mobile wallet provider which has its own Prepaid virtual card service too.

The best thing about Udio is that you will find some cashback or discount offers running all times on your food purchases!

Udio Prepaid virtual card VCC is powered by RBL Bank (Ratnakar Bank limited) and can be used to avail all offers for Ratnakar Bank limited

Virtual Card Service # 3 Payzapp by HDFC Bank

Virtual credit cards

Prepaid Virtual Card by HDFC Bank

HDFC is one bank which always comes up with loads of offers by tie-up with online e-commerce stores, while maintaining HDFC account is a difficult task, but getting an HDFC virtual card VCC isn t .

Now, you can easily get a Prepaid virtual credit Card from HDFC bank by downloading and installing the Payzapp app.

Once you download and register with your mobile number it will automatically create an HDFC card for you. Thus, you can now enjoy any cashback offer which was running for HDFC bank customers

Virtual Card Service # 4 DigiPurse by Union Bank

Virtual credit cards

Prepaid VISA Card by Union Bank of India

Digipurse is a UPI payment app or mobile wallet made by Union bank of India, you can easily register your mobile number with the DigiPurse app and get a mobile wallet along with a Prepaid Visa Card powered by Union Bank of India

Though there aren t much offers running for Union Bank of India customers, you can always use the card to store money use for online transactions, so that the number of default transactions to your own bank s debit card are reduced.

Virtual Card Service # 5 PayApt by IDBI Bank

Virtual credit cards

Prepaid Virtual Debit Card by IDBI Bank

IDBI Bank too provides a prepaid virtual debit card service which you can use to pay for your online purchases as well as avail many discount offers run for IDBI Customers.

You must load atleast Rs.1 to your Payapt wallet after registering your mobile number, to view your Prepaid m-Visa Virtual Card.

Virtual Card Service # 6 M-Clip by Bank of Baroda

Virtual credit cards

Virtual Card by Bank of Baroda M-Clip

Bank of Baroda too lets you avail offers by way of its virtual prepaid card app M-Clip.

M-Clip gives you a prepaid visa debit card powered by Bank of Baroda, which can be used at any of the online merchants.

Like Payapt, you must however load atleast 1 rupee to your m-clip wallet to be able to see your Bank of Baroda virtual card.

Virtual Card Service # 7 Slonkit DCB Bank

Virtual credit cards

Slonkit Prepaid Card DCB Bank

Slonkit is basically a money-management app, which gives you insights so that you can track your purchases as well as efficiently manage them, but it comes with a Prepaid virtual card too.

You can use your Slonkit card to purchase online via entering the details and you can even request an offline Slonkit card inorder to use it offline at POS / e-POS merchants.

Slonkit card is powered by DCB Bank, and thus can be used to avail offers for DCB Bank customers.

Slonkit Card requires an activation fee though.

Virtual Card Service # 8 Digibank by DBS Bank India

Virtual credit cards

Digibank app by DBS acts like a mobile wallet and a card

Digibank is a unique service by DBS Bank You can register your mobile number get a Digibank e-wallet with a VISA virtual Debit card.

Thus, you can load money into your digibank wallet then use your VISA virtual card while you shop online.

The best thing about Digibank is that you can easily convert your Digibank wallet into a free-bank account anytime, and you don t even need to visit the bank.

Virtual Card Service # 9 Yes Pay by Yes Bank

Virtual credit cards

Yes Bank virtual debit card by Yes Pay App

Yes Pay is another way except FreeCharge to get a Yes Bank card.

The Virtual Debit Card (VDC) by Yes Pay is powered by MasterCard and can be used for all your online purchases and get the discounts meant exclusively for Yes Bank customers.

Besides, Yes Pay also works a UPI Payment app for Paying via UPI in India

Virtual Card Service # 10 Zeta RBL Bank

Virtual credit cards

Zeta Super Card by RBL Bank

Zeta classifies as a Virtual Debit card (VDC) with dynamic pin, which is really a unique feature.

You can have unique pins generated for your Virtual card via the Zeta app.

Also you can get your prepaid Virtual Mastercard powered by RBL Bank for offline transactions.

The offline card can be used to pay at any e-POS machines and has the dynamic pin feature, thus you need not worry on remembering or saying pin publicly as you can generate new PINs for new transactions.

Thus, these are the various prepaid virtual credit or VCCs card providers in India, earlier ICICI too used to issue virtual credit cards VCCs via its Pockets app, but recently they have stopped doing so. Incase if you face any problems or have any doubts feel free to comment below


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Credit Cards – Apply for Best Offers Online at, how to apply for a credit card with no credit.#How #to #apply #for #a #credit #card #with #no #credit

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Credit Card Applications Online

Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

OUR CHOICE FOR EARNING MILES

Discover it Miles

How to apply for a credit card with no credit

Latest Credit News

How to apply for a credit card with no credit

New Credit Cards from Hilton Honors and Amex

Latest Research

How to apply for a credit card with no credit

Top 5 Cards for Travel from Our Partners Autumn 2017 – Expert Choice

CREDIT CARD NAVIGATOR

Navigate Credit Cards

in 3 easy steps!

  • Share it:
  • Tweet

Too Complicated? Shortcut Search by Credit Level

Please, wait a few seconds

How to apply for a credit card with no credit

About Credit-Land

How to apply for a credit card with no credit

Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

Capital One, Citibank, Discover Card, Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?

Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.

That’s where Credit-Land.com comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.

INTERACTIVE CREDIT CARD TOOLS

BALANCE TRANSFER CALCULATOR

Carrying a balance? Find out how much you’ll save – and how much faster you’ll pay it off – by transferring your balance to a new card.

CREDIT SCORE SIMULATOR

How to apply for a credit card with no credit

See possible changes to your credit score if you close your credit card, pay off the card balance, or if you get a new card.

VIDEO CHANNEL

GAS REWARDS CREDIT CARDS: GET UP TO 5% REBATE.

COMPARE CREDIT OFFERS

FOR PEOPLE WITH PERFECT CREDIT HISTORY

If you have excellent credit history, then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

FREQUENTLY ASKED QUESTIONS

With a decade of experience in credit cards, Credit-Land.com experts are equipped to answer any question you may have. We’ve categorized and published selected responses for your education in our FAQ archive. Need an answer about credit cards? Submit your question today.

A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that the percentage of the amount spent on purchases is returned to you. This.

There are a lot of services with Mastercard sign in. You can use all of them or just those that suit your lifestyle. Below you will find some of the services you can use as a Mastercard cardholder.

Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

There are a lot of rewards credit cards with low interest rates that allow you to earn rewards on purchases, including GameStop purchases. You can choose to earn cash back, bonus points or miles.

The type of card that is best for an individual depends on someone’s spending habits and their overall level of responsibility when it comes to making monthly payments. If you are someone who.

To put it lightly, we wouldn’t recommend you to ever get a Sears credit card, not to mention any other store credit cards. Sears offers discounts or special financing for a short period. However.

How to apply for a credit card with no credit

Our Experts will be happy to answer all your questions!

* See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site. Information in these articles is brought to you by www.Credit-Land.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

* The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card’s issuing bank for terms & conditions.


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5 Things You Should Know About Virtual Credit Cards, virtual credit cards.#Virtual #credit #cards

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5 Things You Should Know About Virtual Credit Cards

Virtual credit cards

When you make a purchase from a big online merchant like Amazon, you can feel pretty confident that the company isn’t going to abuse your card number. But when the merchant is very new or has a tiny online presence, that purchase comes with a certain risk. The merchant has your billing address as well as your card number, expiration date, and security code. That’s everything an unscrupulous merchant needs to charge a Caribbean vacation on your card.

Yes, it’s true that you’re not liable for unauthorized charges, but until you get the charges reversed your account may not have enough credit for other, valid purchases. By paying with a virtual credit card number, you can shop safely even when the merchant is iffy.

What Is a Virtual Credit Card? A virtual credit card number is a randomly-generated card number associated with your actual credit card. Depending on the issuer, you may be able to set a maximum charge for the virtual number, further protecting your transaction. And typically you can set it to expire in anywhere up to a year from its creation date. To the online merchant, it looks no different from any other credit card. The charges appear on your regular bill, but the merchant doesn’t have your actual credit card number.

Where Can I Get a Virtual Credit Card? Bank of America offers the ShopSafe service to any Visa or MasterCard holder who also uses online banking. With ShopSafe you can set a maximum credit limit and configure the card’s expiration. Citibank’s similar Virtual Account Number service also lets you set a credit limit and expiry date, and it includes an optional Windows-specific application that can automatically fill in credit card details. MasterCard owns has its own virtual credit card service, but the issuer can choose whether or not to actually offer the service. Check with the issuer of your credit card to see whether this service is available.

Where Can’t I Get One? A number of other credit issuers have provided virtual credit cards in the past, but no longer. Discover halted such a service earlier this year when MasterCard bought the company supplying their technology. American Express offered “Private Payment” from 2000 to 2004. PayPal’s Virtual Debit Card system, which had the added bonus of letting you easily pay with PayPal even on sites that don’t support it, ended in 2010.

My Bank Doesn’t Offer Virtual Credit Cards. Now What? Boston-based Abine offers a product called MaskMe. The basic free edition creates disposable email addresses to foil spammers, and includes basic password management. For $5 per month you can upgrade to Premium, which gets you the ability to generate virtual credit card numbers even when your card issuer doesn’t have native support. A similar service called Shop Shield seems to have fallen by the wayside when the company re-invented itself to offer business-oriented password management. If you manage to get your hands on an Apple Watch or iPhone 6, you’ll have the option to use Apple Pay at stores that support it. While not precisely the same as a virtual credit card, Apple Pay serves the same purpose, letting you pay without giving the merchant a credit card number.

Are There Any Downsides to Virtual Credit Cards? The biggest negative for virtual credit card numbers is that they only work online. You can’t use a virtual credit card in a situation where you’d swipe a physical card. Also, returns can be problematic if the virtual card you used has expired; you might have to take store credit. And, of course, a crooked merchant can take your payment without shipping your purchase. Even though you used a virtual card number, you’d have to dispute that charge. Still, virtual credit card numbers can serve as a nice buffer between your actual credit card details and online merchants.


In News