How Use A Credit Card On A Hookup Site So Your Wife Does Not Find Out

Key takeaways

1. How Use A Credit Card On A Hookup Site So Your Wife Does Not Find Out How To
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• Also ensure your card is actually a credit card and not just a debit card. ISHS accepts all major credit cards. Should the transaction continue to fail you might want to get in touch with your credit card company. Your credit card company will be able to check the transaction log for your credit card and help fix the problem.
• Now look at what happens if something changes: Imagine you have two credit cards both with $5,000 limits. You've spent $500 on each card, so your credit utilization altogether would be.

Best Dating Sites Without Requiring A Credit Card or Paying Money. Below are links to free online best dating sites and free dating sites in usa without credit card should you want to try it. Whether you are wholesome or are naughty, depending on your. Closing a credit card account — whether it’s unused or active — can hurt your credit score primarily because it reduces the amount of available credit you have. If the card you close has a.

• Always note the amount due and the payment date so you pay on time, every time.
• Read the contract with your card issuer so you understand the terms and check your credit reports regularly.
• To make the most of your cards, find out how to maximize points, cash back, and other perks.

Credit cards are a way of life. Leaving home unburdened by cash is great—and so is getting a free airline ticket or hotel stay, cash back, or other rewards just for spending money. Credit cards are just so easy and convenient to use.

But that convenience has a downside: Credit cards can be the source of debt troubles too. That's why it's important to understand the role of credit cards in your financial life.

'Used wisely, credit is an important tool in your financial toolbox,' explains Stefan Ross, vice president of credit card products at Fidelity. 'Using credit cards in the right way can help you build wealth and get better loan terms.'

Here are 7 tips to help you use credit cards safely and effectively, and to help you make the most of their benefits.

1. Pay attention to total monthly debt payments

Many financial advisers suggest that your total monthly debt payments—including mortgage, car loans, student loans, and credit card payments—shouldn't add up to more than one-third of your income. If you are near that number, you might need to pay down other loans or avoid additional credit card purchases. Having more debt than you can handle could jeopardize your long-term financial goals, such as retirement or saving for a child's college education.

2. Check your credit reports regularly

Your credit information is compiled by 3 credit reporting agencies: TransUnion, Experian, and Equifax. Their reports are the source of your credit score, which potential lenders use to make decisions about whether to lend to you and what interest rate to charge. 'Your credit score and history reflect your ability to borrow responsibly,' says Ross. 'Lenders have a risk-reward ratio they follow, based on your credit history.'

Credit reports include the total amount you owe; whether you pay your bills on time; what types of credit you use, such as credit cards, mortgages, and other loans; and how many new credit inquiries you’ve initiated. Errors in any of this information could lead to a lower credit score, which could prevent you from getting attractive interest rates—or from borrowing at all.

So it's important to review your report on an annual basis to check for errors. You can request a free copy of each of your 3 reports once a year at AnnualCreditReport.com. Or, for more regular monitoring, review one report from each agency every 4 months. You are also eligible for a free report if you have been denied credit.

3. Pay on time and think carefully about closing cards you aren't using

The most important factors on a credit report are your debt-to-available credit ratio, or credit utilization, and your payment history. So keeping your debt level low and making on-time payments help make you more attractive to lenders.

How your credit score is determined

But it's not just negative actions—such as missing a payment or carrying a large balance—that can damage your credit. Canceling an older card can also lower your credit score. The reason: Lenders care about your credit history, and the longer that history the better.

The ratio of available credit to the amount of credit you are currently using is another factor that affects your credit score. Closing down a little-used card will lower the amount of credit available to you without reducing the amount of credit you are using. That could skew your credit ratio and make you seem like a riskier borrower.

4. Read those long policy agreements

Not all credit cards are created equal. Some charge annual fees, while others charge fees for balance transfers, cash advances, exceeding your credit limit, or other actions. To keep your fees manageable, choose a card with rates and fee structures that match your expected behavior. For instance, if you can't avoid carrying a balance, choose a card with the lowest interest rate you can find. If you intend to pay off the balance each month, you might look for a credit card with a rewards program, although it may carry a higher interest rate. Also, the days when only banks issued credit cards are long gone. These days, retailers (both online and brick and mortar), brokerage firms, and travel agencies are just some of the institutions that issue credit cards.

To decide which card (or cards) may be best for you, you'll need to read and understand the issuer's credit card policy agreement. Look for how and when your interest rate might increase, what actions carry fees, and how the issuer will charge for overseas transactions. If you still have questions, reach out to the issuer by phone or online. Most issuers have resources to help explain the agreement.

5. Use cards safely

Credit card fraud and identify theft are major risks. Most cardholders aren't liable for fraudulent charges on their cards, but you still have a responsibility to keep your information safe. 'Fraud prevention works best when consumers and credit card companies work together,' notes Ross.

Be proactive to reduce the risk of fraud by reviewing your monthly credit card statements and checking your account online more frequently. Keep your receipts so you can compare them with your monthly statement and charges. Then, notify your card issuer if you spot any transactions that you don't recognize. And, of course, report a lost or stolen card immediately. Many credit card companies also offer text or email alerts when your card has been used.

6. Maximize rewards

Credit card rewards—such as points toward merchandise, airline miles, or access to exclusive clubs—are popular. A card that offers cash rewards may also help you save. 'If you are going to be spending money anyway, you might as well get cash back and build wealth from it,' says Ross.

You can add to your savings by having the rewards automatically deposited in a checking or savings account, or even into an IRA, brokerage, or 529 savings account—if your financial institution permits it. That way, your credit card purchases can actually help you accomplish other financial goals.

7. Pay off balances strategically

How Use A Credit Card On A Hookup Site So Your Wife Does Not Find Out How To

Thanks to the Credit CARD Act of 2009, credit card statements now show cardholders how long it will take to pay down their balance if they make only the minimum payment—not to mention how much more it will cost. Naturally, the faster you can pay off those balances, the less debt will cost you. If you can't pay a card balance in full each month, review your budget to determine how much you can earmark for that payment without sacrificing other important goals, such as saving for retirement.

Making minimum payments on one card can make sense if it's part of a strategy to pay off higher interest rate cards first—which likely will save you money over time. And because credit cards typically charge higher rates than other types of debt, it often makes sense to focus on reducing card debt before paying off other loans with extra payments, such as a mortgage or car loan. Plus the interest on credit cards, unlike mortgages, is not deductible. That said, it's important to always continue making at least minimum payments on all your debt, so your credit rating will not suffer.

Remember that although you might use credit cards like cash, they are not just a tool for transactions. They can have an impact on your financial goals. Take the time to consider credit cards in the context of your budget, debt picture, and other financial priorities so you can better use credit cards to your advantage. 'Be an educated consumer,' says Ross. 'Figure out what makes the most sense for your situation.'

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Romance Scammers are very clever with their words and the crises they encounter. These are just some of the scenarios. If any of these sound familiar you are dealing with a scammer.

Scam Scenarios:

• Counterfeit money orders and checks sent in the mail from the scammer to be deposited in the victim bank account and send back the cash by Western Union or Money Gram.

• Asked to open a checking account to deposit checks form scammer.

• Scammer claims they’ve been mugged, shot, in an auto accident, arrested or their money, passport, and id was stolen.

• Need money for hotel/motel bill and manager has their ID and passport.
• Hookup Id Bage Scams where a website asks you for your indentity documents and money, usually to verify the online dating platform of your choice.

• Lost the company money and cannot pay his employees.

• Needs money to cover payroll or cash payroll checks.

• Blank checks sent in the mail for victim to fill out and send out to scammer “clients” which in reality are other victims.

• Scammer arranges for you to come to their country to meet and marry, you risk theft, rape, identify theft, and murder.

• Scammer confesses what they are doing, claims to have “truly” fallen in love with you, but they continue to ask for money.

• Scammer plans to come to your country to marry, but has an accident or other tragedy on the way to the airport.

• Need money for plane ticket BTA (Basic Travel Allowance) this does not exists.

• Scammer is on the way to the states to visit you but is held up in Customs and need money for his/her release.

• Shipping packages to victim home to have them mailed to scammer.

• Scammer sending counterfeit money through the mail to the victim.

• Sending money to Canada or New Mexico.

• Scammer sending a package filled with envelopes to victim to have the envelopes mailed to other victims. Checks or Money Orders are in the envelopes.

• Doctor contacts victim to inform the scammer was in an accident but survived and needs his medical bills paid as the victim is the only one who can help.

• Scammer or relative sick in the hospital needs money for the operation medication, and Dr. fees (Even when they are in the hospital they can IM with you because the doctor has a laptop and is so very generous to let them use it).

• Catalogs sent to victim’s home with scammers name on them.

• Shipping packages to victim home to have them mailed to scammer.

• Scammer is located in the States or UK, and is traveling to Nigeria for business.

• Scammer has a business, but needs to have merchandise shipped to victim’s house, and then have victim ship the merchandise to scammer.

• Scammer needs money because doesn’t have enough of her/his own money to get her/his newly acquired “merchandise” out of the country.

• Scammer needs money because they can not cash a check at a Nigerian bank or use credit cards.

• Scammer asks for money to give to her/his family as a promise to the family. They claim this is a “tradition” or a “wedding custom”.

• Scammer has a vision that he/she and the victim has to obey where God wants them to donate ½ of their monthly income for a month. The scammer went on a fast for 3 days and during that time God revealed to him/her where they would donate this money (sending it by WU) to some needy community Nigeria.

• Working as a missionary in Nigeria and is shot, needs money for surgery, and medication.

• Need money for child in an orphanage for his/her life saving operation or adoption of a child.

• Business opportunities for victim.

• Investment opportunities for victim.

• Inheritance opportunities for victim.

• Plans for the real estate business after they (the victim and scammer) receive the money in the trunks in the securities company in Holland, including legal looking documents.

• In order to obtain funds, you are told to pay fees for attorneys, certificates, storage, bank transfers, bank releases, money laundering clearance, anti-terrorist clearances, courier services, storage (demurrage), etc.

• Scammer claim to be buying a business. The business belonged to a “friend” of his who wanted to retire. This business was currently netting 30-40K each month in revenue claimed by the scammer. The scammer needed funds to complete the purchase of the business. Papers (fake papers) were provided for the purchase agreement which had the victim name on them included as the scammer’s wife.

• Scammer has 200 bars of 24K Ghanaian gold, left behind from her/his deceased Grandmother, each bar with a value of $16,000 dollars in the U.S. but had no value in Ghana. He/she (scammer) was to fly to the states with the gold and then the Immigration Customs Department at the Ghana airport called the victim. The (scammer) was arrested for trying to get out the country with undocumented gold. The victim was told the (scammer) would go to prison for life if the police came and the victim contact information would be forwarded over to Interpol and be traced to the local authorities here in the U.S.

• The victim was told they would lose their job and be arrested. The (scammer) could be released if ($3000) was sent for the gold consignment and immigration papers. Two days later the victim was told the gold was sold to the Ghana bank and was worth 3.3 million U.S. dollars. Then was asked to give personal bank account information so the funds would be transferred into the victim bank account immediately (it never happened).

• Scammer has funds belonging to Saddam Hussein’s family in a consignment registered as Government Diplomatic Package and insured by the International Guarantee bond (IGB). Amount is $21 Million us dollars. They want to move this money to “victim” because Iraq is a war zone, so that the victim may invest it for scammer.

• You are asked to help an orphan, banker, sick widow or widower, official, Zimbabwe farmer, minister, etc. transfer money out of the country – any country – to your account.

• A scammer with a terminal illness wants to make charitable contributions from a vast fortune.

Threats from the Scammer:

• Emails the victim with the victims Obituary.
• Scammer threatening to turn in victim to the FBI and/or Secret Service.
• Blackmail with “nude” photos of the victim.Harassing emails and phone calls.

How Use A Credit Card On A Hookup Site So Your Wife Does Not Find Out Something

• Threats are being made to you or to members of your family.

Negative Actions from the Scammer:

• Internet business opened in victim name.
• Merchandise ordered in victim name.
• Credit card opened in victim name.

Top Common Online Dating Scams

Medical Scams

One of the most common online dating scams today are emergency scams, and this is usually coming from Ghana and Nigeria. This is the reason why a lot of people are not into these countries because of how notorious some people are there in scamming people online. They often pretend that they are from Canada, Australia, UK, and the USA or any other western country.

They have all the fake identities that they need to ensure that they will be able to fool the person that they’re chatting with. Their plan is to gain your trust by pretending that they are someone who has money or business. They will pretend that they are on a business trip in Ghana or Nigeria and pretend that they got into an accident. There will also be instances that they will pretend that a family member got diagnosed with a serious illness and would need your financial help.

How Use A Credit Card On A Hookup Site So Your Wife Does Not Find Out Now

Some of them will pretend that they are asking for donations that can be given to charities and such. Once you send them any amount of money, you will never hear from them again.

419 Nigerian Scams

419 Nigerian scams have been around for quite a while, wherein he promises you that he has a large amount of money but can’t access them because he is currently in prison. He will ask for your financial assistance so he can bribe the prison guards and let him be free. This is also similar to other types of scams, including the Spanish Prisoner and Nigerian money offer. The money that they will be talking about is millions of dollars, diamonds, and even gold bullion. Once you send them the needed amount, they will ask for more and come up with some excuses that something came up and more money will be required. After sending that money, you will never hear from them again.

Ticket Scams

Another online dating scam that you might come across is ticket scam. Once they gain your trust, they will talk about their plans to travel and how they already have tickets going there. The problem is that something related to their family or business came up and that they need to sell their ticket. They will even send you a photo of the ticket that they are talking about. The problem is that they don’t really have any ticket with them. Once you send the money, they will either disappear or send you a ticket, which you will later find out is fake.

It will already be too late once you realize that what you got is fake. The frustrating thing about this is that there is no way to get your money back.

Identity Theft

Another online dating scam is that they will try to steal your information. This is by sending you emails, asking you to click on them so you can check their photos. You may see pictures, but you will never know that they already got into your computer. Once they are in, they can steal every information that’s available there, including your complete name, credit card details, email and passwords, and even your photos.

Once all these are stolen, they will use it for different purposes. Some of the things where these scammers can use your information are by getting loans under your name, getting your emails, and packages, or even by gaining access to your home. Identity theft is really dangerous, so always be wary.

Could You Be A Victim Of A Romance Scam?!

If you are afraid of being scammed, it is extremely important to perform a quick background check on the person you are actually speaking to on the internet (you can do that here). The questions that come to mind are:

• Are they using a fake identity?
• Am I speaking to a real person from the U.S?

To help the users of RomanceScams.org, we have partnered with BeenVerified so you can check exactly that. This service reveals everything about this potential scammer and if they are a real person!

Helpful Information Available on BeenVerified:

• Email Addresses
• Arrest Records
• Photos (Helps check if same photos are used for multiple profiles with different names)
• Social Profiles (IMPORTANT – Do they have a real social profile or multiple?)
• Addresses
• Relatives & Associates
• Sex Offenders Register (Be safe who you are meeting!)

If you have any doubt about who you are speaking to… Please make sure to use this service!

More Details about Types of Scams: