Tips credit card usage
Credits with Banamex and Santander
Hello such, I am new to the forum and I have spent almost all day reading your website that really is very interesting and helpful, thank you very much indeed, then I expose my case:
Unfortunately last year I was well and even lost my job, all the debts that had me were two that really I could not afford a $ 250 with Banamex and a $ 180 with Santander, Banamex I have just 10 months since and Santander will pay about 9. This year, fortunately I have a job again and I’ve been saving for my calculations according to year-end be able to seek an agreement to settle these debts, as mentioned in many of the cases presented here, obviously I’ve been called a lot and I have offered many deals, but have not yet been in position to negotiate only occasionally tell them and tell them that I wait a few more months, at which sometimes react very badly but the truth is that I ignore them. Banamex in fact nearly two months ago that I speak or I get letters, not whether this is good or bad, do not know if any of you has happened. But what really encouraged me to write in the forum is that recently received a letter in relation to the credit of an office Santander collection called Collection Services, Recovery and Monitoring (Secorse) that contrary to all previous letters and I offered an attractive plan to repay my debt but only offered me a small discount and notified me that according to that I was sued and that if not for where I was visiting to seize. The truth do not take them very seriously but still they call your call center and the person who served me repeat it at this time could not accept what I proposed but hoped that in a few months but would look for an agreement to settle debt to which I replied that if he felt so much but it was already claimed and that in about a month of arrest and would visit me at this time were doing research for my property and if he would stop only I have the rest of this month to pay or wait to see which is the judicial process. The truth if I leave thinking, and therefore I would like to know what you think about it.
Uni Credit paid with cash and checks directly to the ATM
For those who do not have time to make long queues at bank counters and fill in the various deposit slips, the UniCredit Group has made it possible, at over 2,000 ATM sof the Group, paid directly to the account and cash checks. This service allows those who are in possession of an ATM or a paper entitled only to payment of bribes to pay bills or checks with the words do not transfer directly to your account without filling out any distinct and without queuing the bank teller. In the case of payment of the charge is counted immediately, while in the case of checks, is subject to verification. It ‘can enter up to 30 notes simultaneously, in different styles and in any direction. This is certainly a very useful service that we hope to develop more and more, at other banks!
Beware of ATM cloned
As you have surely heard, lately has begun to speak with a certain frequency of ATM cloned, many scams have been uncovered, but this should not be enough to make you worry. When you go to pick up at an ATM, there are some small details to pay attention: first you have to check the slot where the ATM is asked to enter, if you see that the outside is applied in a strange way or have any particular no reassurance, make sure it’s well fixed. Should it take off, then it is certainly a skimmer, a device that can read and store the data in the magnetic strip of your debit cards. Once checked this particular look good throughout the system, to detect anything that might make you think of a hole, which could be included in a micro-camera, in order to recover as you type your PIN code. To be sure, however, it is advisable to hide the hand type the code with the other, in so doing neither a camera nor an indiscreet observer can steal your PIN. Unfortunately, this technique has been superseded by micro swindlers, who now are increasingly a keyboard pretending applied above the original keyboard, so check that the keyboard is well fixed and is not raised. If you have any doubts, do not use that ATM and if you believe that tampering is evident, then called the police.
To be always calm, a suggestion is to check frequently on your statement, useful for this purpose is to provide internet banking, so you can also examine your daily movements. Only then will you become aware of charges ever made.
Requirements needed to apply for a credit card.
Here are some frequently asked questions to consider before applying for a credit card.
Who can apply for a credit card?
Credit cards may be required by all citizens resident in Italy who have reached 18 years.
You need an account to apply for a credit card?
Yes, you can not ask for a credit card if you do not have a bank account (or mail).
Should switch banks to apply for a credit card?
No, it is necessary to change banks. In fact, whether you choose a credit card offered by your bank, or we ask institutions to third parties, such as American Express, there is no reason to switch banks.
What is the necessary documentation to apply for a credit card?
There is usually a form to fill (in the case of American Express and Barclaycard can also complete online at this site), which then must be sent to the issuer together with a photocopy of your ID card and the original your tax code.
What I do care when filling the application form?
When you fill out the application form must be careful to read out all the clauses, including and especially those written in a font very small, to avoid getting further conditions or fees that were not considered.
How many credit cards can I apply?
The number of credit cards that one person can take varies depending on conditions and the service offered by the financial institution that issues the cards.
American Express, Visa and Mastercard: what are the differences?
Before requesting a credit card very often you come across questions like “Which circuit you choose?” Or “What is the difference between the three main circuits, Visa, Mastercard and American Express?”.
Basically there is big difference between Visa and Mastercard, and American Express are completely different, especially for the type of circuit that uses.
Visa and Mastercard payment circuits are basically: do not issue credit cards directly but only through lenders that you support.
Visa and Mastercard require a fee to the lenders to use their payment circuit. In turn they pay merchants by deducting a commission, the cardholder does not pay anything directly to Visa and MasterCard.
American Express however is very different, as the company issues credit cards directly, with your name and logo. American Express takes direct pay operators that use the card, deducting the commissions. The company also directly involved in the promotion of their products without intermediaries.
Another difference is that customer service from American Express is one of the best in the world, available 24 hours to 24 (from anywhere in the world you call!) And a high degree of efficiency.
Getting safely through Token
The Token is a technological device pocket serves to identify the user online safely, was created to make data more secure bow and protect them from the risk of phishing, is also known as cryptographic tokens, hardware tokens and tokens for ‘authentication as well as OTP (Acronym for One-Time-Password, creating passwords and disposable).
It ‘a personal tool, handy and portable, operating 24 hours on 24, does not require installing any software is used by simply pressing a button that displays a password on a small display and can be easily used to perform all operations on bank account online from any computer, safely, without leaving traces.
This device, very small and handy, fitted with a screen and a keypad, battery solar, as an ordinary calculator and used to generate, through a randomization algorithm (quite random) passwords. The token starts to become more widespread among banks that have renamed with different names: Monte dei Paschi di Siena (PaschiDoveVuoi), BNP Paribas-BNL (BNL Pass), UniCredit Bank (UniCredit Pass), Credem (Mr.Pin) Sanapaolo.com (O-Key), IWBank (Token), Banca Marche (OTP), ABN-Amro Antonveneta (Ge.Co).
The algorithm is unique for each token that produces, for each session, a different numeric string that the user can enter whenever you want to connect to your bank, and the Token Server are not connected, do not send information simply generate simultaneously the same numerical string corresponding to a user and when they match the user is authenticated.
The password is visible for only 30-60 seconds and change it each time, while the user ID is always the same and is contained between the variables of the algorithm of the device, which is synchronized with the remote server database . The server in turn generates the same string of numbers allowing access to the account only when the numeric string is equal to the user. The system will then work with a double identification: the identification and password and the second disposable passwords generated by the token.