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Better than doubling your pleasure® with Doublemint® gum, US Bank and Visa are set to double their marketability and the ease of use for international travelers as they reveal the FlexPerks Travel Rewards Visa Signature Card’s near field technology (NFT) that includes both Visa’s payWave chip and the EMV® (Europay, VISA, MasterCard®) microprocessor.

Technology now allows chips or microprocessors embedded within credit cards to securely communicate with point of purchase readers using a protected Radio Frequency Identification (RFID) to complete a secure transaction. Within the United States, that technology has been embedded in a chip such as Visa’s payWave or MasterCard’s PayPass systems incorporate. Because the

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Tags: Flexperks Travel, Visa

If you miss a credit card payment, do you know what steps your credit card company will take to collect their money? Unfortunately, many people have fallen behind on their credit card payments over the last, few years; and, as such, credit card companies have had to collect their money.

Here is what you can expect if you fail to make a credit card payment:

• You miss your due date – You will likely receive a few, polite phone calls to remind you of a missed payment.
• You are 30 days past due – Someone who is 30 days past due on their account will have likely missed the payment before the next billing cycle rolls around. In this case, the creditor will likely use “soft tactics” to receive their payment. You may

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Tags: Payments

There are nearly twice as many credit cards offering 0 per cent introductory purchase and balance transfer deals today than five years ago up from 65 cards in 2006 to 128 now.

But consumers face higher fees and bigger interest rates once these deals come to an end, says financial research firm Defaqto.

The length of these deals has also increased. In 2006, the longest 0 per cent balance transfer lasted 12 months. Fast forward to 2011, and this has doubled to 24 months offered by the Barclaycard Platinum.

Meanwhile, the longest 0 per cent purchase rate has gone up from 12 months five years ago to 15 months now, offered by Marks & Spencer Money and Tesco ClubCard.

You may, however, be hit by higher interest rates once introductory offers come to an end.

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Tags: Credit Card, Five Years, Years