Credit card video: College students react to new credit card laws

Source creditcards.com

By Tyler Metzger

Portions of a new law will affect how young adults get credit cards. The law, which will put age restrictions on credit cards and ban certain types of marketing from college campuses, takes affect February 2010.

Our reporter talked to students at the University of Missouri and got their reactions.

halifax.co.uk

Credit card video: How to avoid arguments when sharing credit

By Tyler Metzger

Source creditcards.com

Personal finance columnist Erica Sandberg discusses why there are problems when it comes to sharing credit. She also gives solutions for couples having problems and tips on what to discuss so you can avoid any arguments.

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10 flu-fighting credit card tips

10 flu-fighting credit card tips

This articles from creditcards.com

Cards can carry germs, but you can be inhospitable

By Jay MacDonald

What’s your best money defense against the H1N1 swine flu? Credit card and swine flu

It just might be your credit card, provided you follow these flu-fighting safety tips.

Seasonal viruses tend to spread from person to person when the germs that cause them become airborne via coughing and sneezing. When you touch a surface that contains those germs and then touch your eyes, nose or mouth, those hitchhiking microbes can quickly start a block party in your body.

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Money is a common carrier of seasonal germs, which thrive in warm, relatively moist locations like your purse, trousers or jacket pockets. Because it is porous and changes hands frequently, currency can easily pick up and pass on germs. Why do you think they call it filthy lucre?

Enter credit cards to the rescue!

Sure, plastic can pick up germs just as readily as cash or third graders. The difference is, you can clean your credit cards quickly and easily. And with a little diligence, yours will be the only hands to come in contact with your sanitized credit cards.

“Any surface could contribute to the passing of the virus, which typically will live up to six to eight hours after contact has been made,” says Llelwyn Grant of the Centers for Disease Control and Prevention (CDC).

“We stress things like cover your nose and mouth with tissue when coughing or sneezing; wash your hands as frequently as possible, mainly with soap and water or alcohol-based hand cleaners; avoid touching your eyes, nose and mouth because these are typically ways in which germs are spread; and stay home when you are sick,” Grand says.

Here are 10 flu-fighting credit card tips for healthy shopping this winter.

10 credit card tips for healthy shopping
1. Clean the keypads.
6. Wallet up.
2. Swipe your own card.
7. Avoid dirty money.
3. Wield your own pen.
8. Don’t lick that card.
4. Avoid public surfaces.
9. Wash up at the mall.
5. Wipe after swipe.
10. Shop online

1. Clean the keypads
In terms of daily touches by sniffling strangers, point-of-sale terminal keypads and ATM keyboards rank right up there with doorknobs and stair rails as a Woodstock for germs. Even before you pull out your plastic, use an antibacterial wipe or tissue with alcohol-based sanitizer to de-bug the keypad or keyboard as well as your own hands and fingers before you start your transaction.

2. Swipe your own card
It’s fortuitous that the swipe-your-own-card movement, which initially grew out of concerns for card security, coincidentally fights germs as well. Because when you innocently hand your card to Florence the friendly checker, she will hand you back a card carrying not only her germs but unsavory hitchhikers from every debit card, credit card, bill and coin she has handled since her last break. Yuck!

www.wellsfargo.com

How can I check my point balance? Best  Credit Card
There are 2 ways to check your point balance Big website and Best service online it have a Security Center Highlights Fraud Alert

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www.WellsFargo.com is the online presence for Wells Fargo Bank. Wells Fargo Bank was founded in 1852 in New York and now holds its corporate offices in San Francisco. It is a publicly traded company on the NYSE known as WFC for Wells Fargo & Co. Its trademark is the stagecoach and the slogan “The Next Stage.”

The purpose of this hub is to review http http://www.wellsfargo.com. Below you’ll find what I liked and didn’t like about the site, whether I’d recommend its use, and my overall rating out of 10. Please feel free to leave a comment if you have used the site and you have anything to add.

www wellsfargo.com offers the following services:

  • Loans : home mortgage, home equity, student, personal, auto
  • Investing: private bank, mutual funds, brokerage, retirement planning, insurance, etc.
  • Banking: online, bill pay, checking, savings and CDs, credit cards, etc.
  • Individual, small business, commercial accounts

Wells Fargo is often misspelled. If you search Wells Fargo bank under these terms you won’t reach the site: Welsfrago.com , welllfargo , www.welfargo.com , wellfargo , welfargo , well fargo bank , wellsfago , wels fargo , and well fargo. If you type in the incorrect urls: www. welsfrago.com, www.wellfargo.com, www.welfargo.com, or www.wellsfargobank.com you will either reach a page not found site or a spam site.

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If you have a Well’s Fargo banking account following are a few tips as to why online banking with them is so beneficial, and how and where you can go to sign up for their online banking services.

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There is definitely a long list of things that you can do with Wells Fargo online banking (Wellsfargo.com) . You can monitor your account activity, check your online statements, set your account up to alert you via cell phone or email, pay bills, view account balances, and much more. In

order to get started using the Wells Fargo Bank online service you will first need to sign up. In order to do so you will need to have a bank account with Wells Fargo Bank. Once you have an account with the bank you can visit their website at www.wellsfargo.com and fill out the enrollment form. You will have to create a unique username and password that you can use to login to your account. Remember to be creative when it comes to your username and password. In order to complete the online form you will also need your social security number, your ATM pin number and of course your account number.

If you are a little worried about safety, than you should make sure that you have a secure internet connection which can be obtained by purchasing additional security software. The Wells Fargo Bank also has very good security features to help ensure that your information stays private.

One feature that they include with their online banking that other backs may not is that Quicken and Microsoft Money users can use the software while performing their online transactions. There is a fee for using this service of $3 a month. This will allow you to use the software to make transactions and access your account.

When it comes to your bill pay it I free as long as your bank account qualifies. Make sure that you take the time to read through the list of eligible and qualifying account information. If your account is not eligible than you can expect to pay a small fee, if you still want to use the bill pay option.

Wellsfargo

If your savings will fall short of your retirement goal, it’s time to speed up! Here are three ways to accelerate toward your goal:

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  1. Contribute to the max! If you’re contributing 5%, double your rate to 10%. If you’re contributing 10%, increase your rate to 25%, the maximum amount allowed by the Wells Fargo & Company 401(k) Plan, up to the IRS limits. Increasing your contributions by just 1% will make a difference. The more you save, the faster your savings will grow!
  2. Change your asset allocation. Put your savings into investment funds with potentially higher rates of return. Money market (or stable value) funds offer the lowest rates of return. Fixed income (or bond) funds offer the second lowest. Stock (or equity) funds offer the potential for the highest rates of return. Keep in mind, however, that stocks also are considered the “riskiest” investment because their returns can vary the most. Remember that time reduces risk! Learn more about risk versus return.
  3. Save outside of the 401(k) Plan. If you’re contributing to the maximum, putting your money in high-return investments, and still falling short of your retirement savings goal, consider opening an IRA, Roth IRA, or both. See if you qualify for these accounts and learn their tax advantages! You can apply for an IRA or Roth IRA at your nearby Wells Fargo Bank or online at www.wellsfargo.com.