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[E71]Easy To Get Credit Card

by Dr. Drew Henry, Dr.

First and foremost, credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the credit card company or bank. Below are 7 other ways to increase credit card limit:

1. Attract positive attention from the Credit Card Company or bank by paying finance charges once in a while. Obviously, this is not advisable on a repeating basis and should only be used as a last resort to increase your chances of getting a higher credit limit. Proving to credit card companies and banks that you are good "borrower" can be a convincing way to get a higher credit limit. But be careful because this strategy also means that you will be paying finance charges which can accumulate in a hurry.

And always remember, a higher credit card limit means greater purchasing power, but it also increases the risk of your having to pay greater interest charges and other processing and late fees.

2. The best and simplest strategy for getting a higher credit card limit is to use your credit card wisely. Always keep in mind that credit card companies keep a record of your transactions and payment patterns, so always pay on-time.

3. Never make minimum payments. Instead, try to pay for the entire outstanding amount. This will usually give you a better chance of getting a higher credit card limit.

4. Use your credit cards regularly. Don't keep your cards for emergency use only. If you use your credit cards sparingly, banks and credit card companies will be unable to understand your spending and pay-back behavior. Under these circumstances, most banks and credit card companies will be reluctant to give you a higher credit card limit.

5. Always spend within your credit card limit because doing so means that you are capable of controlling your expenses.

6. The most important thing to do for getting a higher credit card limit is to prove your credit worthiness. This is the first thing that banks and companies look for when giving a higher credit limit.

7. Avoid late payments as much as possible. Not only will your increase payment increase, but you may also have to pay an additional fine for not clearing bills on time. This will also dim your chances of getting a higher credit card limit.

The key is that your performance in the records of banks and credit card companies will determine whether you'll get a higher credit card limit or not.

With the new era of online business upon us, it is imperative that anyone using
their own merchant account be aware of the dangers of credit card fraud.
It's out there, and it's rampant. I know from personal experience.
Do not ever take it for granted that each order is valid, do your due diligence,
or pay for it in heavy fees incurred by chargebacks from your merchant account
or third party payment processor such as SafePaySolutions, PayPal, etc.

If you're an online merchant, here are some things you should check, if your orders are sent to you:

1. Go to DexOnline.com and make sure that the phone number matches the person's name and address.
2. Call 411 if you have to find out, if DexOnline.com doesn't give you the info. Believe me the
411 charge is a lot cheaper than a chargeback!
3. Most fraudsters have a certain "style" about them. For instance, mine didn't like to capitalize names,
only sometimes. There was a definite pattern.
4. Most fraudsters use free email accounts. And lots of times the email doesn't seem to "match" the person's
name. For instance, say the person ordering's name is: Lisa Sorensen and the email is olatbilly@yahoo.com.
5. Many fraudsters use anonymous surfing sites to go to sites and make purchases. Using a service such as
MaxMind.com's service will help you be able to tell when this is happening and also gage the fraud rating
of any particular order. You can get 1000 free transaction checks when you first join. I highly
recommend it.

I had one guy charging up thousands of dollars on other people's cards, to by leads from
my website, just so he could phish (send leading emails to get people's credit card info)
and get more info to use to by more leads. Crazy, I tellya! He was very persistent and wouldn't
stop, even admitted to me that he did it. They are very brave! I contacted the person who's card
he used and by then he had charged up over $5000 on their card! If I hadn't noticed it was fraud,
he couldn't done a lot more damage than that. He had bought from NBC.com, which scares me,
because you think that a huge corporation such as them would have better security than that.
But, the fact is, most merchant accounts do NOT provide ANY type of protection whatsoever.
This guy was even using the three numbers on the back of the people's cards. How he got those,
we'll never know.

My biggest piece of advice to everyone is to never, never, ever give out your
credit card information to anyone. I don't care WHAT the email says happened to your
account, or what they say on the phone. They should know the answers to your security
questions such as your mother's maiden name or city of birth. Call them on it.
Always call your credit card issuing bank FIRST before believing anything you read
in an email or hear from a phone call. Whatever it is, it can wait that long, believe me.

I hope this info has helped you, feel free to use this article however you choose,
just please keep the credits intact.

Article Source : Advantages And Disadvantages Of Credit Cards

About Author

Both Dr. Drew Henry & Lisa Sorensen are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Dr. Drew Henry has sinced written about articles on various topics from Cosmetic Surgery, College Student Loan and Home Management. Dr. Drew Henry maintains a number of websites about Loans, including ,