Credit cards have gained so much popularity amongst the masses that no business can be termed as complete and efficient if it doesn't use credit card services. Really, without credit card services, most of the businesses would end up losing a significant chunk of business opportunities. Some people go to the extent of classifying such businesses (which don't use credit card services) as non-serious businesses.
So what are these credit card services that we are talking about?
In simple words, by credit card services we mean the ability to accept credit cards as a mode of payment. Well, we can also term the use of credit cards as a credit card service. However, generally, credit card services will include the services that enable acceptance of credit card by a merchant. So, for a shopkeeper, use of credit card processing machines to accept credit card payments, is a credit card service that he is providing to his customers (and he himself is receiving this credit card service from the provider of credit card processing machine and others involved in making this process so smooth).
Since carrying cash is no more a common practice, any shop that doesn't use/provide such credit card services would end up losing a lot of customers because customers can't pay with anything other than a credit card. So, for most merchants, providing credit card services (or credit card processing services) to their customers, has become very essential part of business.
With the internet boom, came a lot of online businesses. These businesses were in the form of virtual shops (or e-shops) that existed either only on the internet or were a virtual extension of physical shops. All these businesses (some selling goods, some selling services), needed a way to accept payments from their customers. This gave birth to online credit card services.
The simplest use of these online credit card services is in the form of a simple webpage/web-form that asks you to provide your credit card details. These details are then verified and processed to debit the amount from your credit card and credit it to the merchant's accounts. Since credit card details are sensitive information, these websites started implementing mechanisms/technology to secure it and prevent it from getting in the hands of fraudsters. Such sites are now called secured websites and form the backbone of e-commerce.
Besides these basic ways of implementing credit card services, the credit card services are provided in some other forms too e.g. over-the-phone payments using credit cards, use of third party online credit card service providers who provide you with an interface to accept credit card payments.
So, there are a lot of different ways in which credit card services are implemented and as the time goes by, the expanse of these credit card services are sure to increase.
Uchenna Ani-Okoye is an internet marketing advisor and co founder of Free Affiliate Programs
Should I go to school full time or work full time?
I decided that I will be transferring back home to continue my studies(Im a junior, Im 20 years old). Before I left I had a job working as a part time teller with a credit union, in which, I really liked the company I worked for. Yesterday I called to see if they had any openings and they have a Full Time position as a credit card services representative(hours are 8am-5pm M-F). I still want to go to school but I dont want to reduce to only two classes a semester. My major is accounting and this position could lead to an opportunity for advancement if I continue to move up...(ie VP of Accounting or Finance). Also, I am interviewing with another bank but it only allows me 20 hours a week and Im not sure if I will be able to pay all my bills with that salary. So my question is should I take this FT position at my CU and just take three classes a semester or go with the bank and continue full time(which is four classes)? I will also go to school in the summer so that I will graduate on time, so if i take three classes each semester and two classes each summer session it will balance as if Im going to school full time anyway. I dont want to work full time and go to school full time, because I get stressed out really easy and when I did it in the past it was extremely stressful.
Also, I will have an apartment, I will just be living with my sister temporarily until I save enough money. Also the university in which Im transferring to is maybe 1-2 away from the credit union. Any suggestions will help, thanks in advance.
fraud transaction from ATT phone service, 888-426-7066?
I just noticed an unrecognized transaction on my credit card for the amount of $30.41 by merchant name ATT*CONS PHONE PMT 888-426-7066 TX , phone number 888-426-7066. I called ATT cusotmer service, they dont know whats going on, couldn't find out what the charge was, they said its the credit card service dept, who takes care of the credit card charges for customers. I tried calling this number, a guy named CAMARA (picked up phone and asked for my 13 digit phone number(I dont know where in US they have 13 digits phone number) i gave my number, he asked me where im calling from, i said colroado, he said he is from missouri, ATT services and I reached the wrong number cuz he cant help services in Colorado, I have to call the colorado att. I told him this was an illeghal charge made on my account, but he was not willing to help at all other than saying call the correct ATT number. Anyways I put a dispute on this transaction thru my bank, I did a research on this number, and OH mY GOD, there are lot of complaints regarding lot of people about this number. (Just google search it, you will find out urself). i dodn tknow whats going on, Now i have to check my all previous statements and see what else i lost.
I recently was stupid and got a credit card from Horizon credit card services and have been trying to cancel?
Now every time i try to cancel the card it always says i do not have a valid email address i have a prepay phone and can not call them can you get me an email address please.
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