Author: hamiltonfolkarts

How to Protect Yourself From Streamers

The Internet enables us to do a lot of things online. We created a separate virtual world. It is a complementary to a regular one.

The majority of people keep the most important data online. Here what it is:

  • password;
  • bank accounts numbers;
  • personal details.

When disclosed by third parties such information can destroy your life. Streamers know how to get personal information from people who surf online. Though, there are several ways you can protect yourself.

Advices on How to Protect Yourself From Streamers

The virtual world is not safe by definition. The more open it becomes, the more IT professionals work on how to protect people.  There are some basic rules that can help you to protect yourself from streamers.

  1. Use Virtual Personal Network. VPN is the most efficient solution. It blocks your IP address details. Many people  do not know it, but when we surf in internet a streamer can get information: about us; our passwords; about content we search for (details of your google search can be easily disclosed).VPN protects your real IP address. Your data cannot be identified. It is worth buying it.
  2. Be wise and use different passwords. Whatever services online you use, you should have individual passwords for program. Often users are asked to memorize the passwords. Never do so. Never create two identical passwords. They then can be easily hacked. It is also not good to compose passwords using your personal data details. Avoid to put your birth date as a security code. If it is hacked you will have a double trouble.
  3. Avoid using suspicious website. There are many.  Surf in the internet carefully. Newly created websites can bring you more troubles, than benefits. Try to surf on well-known websites.
  4. Use only one computer. If you put all the personal information into one PC, your personal details are better protected. Do work on banking or annual business reports from multiple computers.

These are the most effective steps to take in order to protect yourself from streamers.

Buy Software Legal Versions

The Internet is full of pirate copies of world famous software programs. They are quite easy to download. On top, they are available in different languages. When you economise on legal software version, you double the possibility for your data to be hacked by streamers.Legal software is always more reliable.

If you want to surf even more securely, you should buy antivirus software. Each computer should be protected from viruses. It will ensure your information will not be damaged.

These are some basics how to ensure your safety in the virtual world. It is important to mention that streamers develop new and new ways to hack personal information. Pay attention to the latest developments in the IT sector. IT professionals surely work on resolving this issue.

Categories: PROTECTION

Why You Should Order a Bank Card With ID Photo

The security in the world of finance matters. The world gets more and more globalized. Therefore, it becomes more dangerous.

The virtual space as well made the life near us more unsecured. Whatever personal data put into computer can be retrieved. No matter the place, no matter the names, information is accessible.

How Banks Aim to Protect Your Identity

Banks are given money. They also issue money for people. Money related operations are always risky. Therefore identity check and customers security are key.

The societies know many ways to use illegally collected data. Thieves get clients’ bank details and use it for personal purposes. They can, for example buy valuable assets on behalf of a card holder.

That is why banks strongly recommend to safeguard personal data. To secure customers even more, they double-check each card has as much ID data on it as possible.

Why You Should Aim to Put Personal Data on a Credit Card

Credit cards need specific level of security. They need to be secured as much as possible. Often credit line opened by banks is huge. If the card gets into the hands of a robber, he can take all the money available. That is the main reason why bank credit plastic should have iD details on it.

In globalized world, trade moves fast. The faster it goes, the better it is. That is why cashiers rarely ask a client a signature after a purchase. On top, payment by the majority of credit cards does not need pin code. That makes it particularly  easy to use someone’s else plastic.

If your credit card gets stolen, there are several things how robber can use your card:

  • he can buy goods and services;
  • he can ask the bank for a bigger credit.

If he manages to hack your profile in one of the social networks, he will be able to get quite much of data. So, If the robber is talented he can make you many problems. One of the wisest ways to avoid the troubles, is to secure yourself.

That can be made by personalization of your credit card. We do not talk here about the design, of course. The client has to order credit card with ID photo. That is the right way to take care of your security.

Your photo will increase the chance to avoid troubles even if you lost the card. A seller can glimpse at the card photo. If it is not your face on it, he or she will not accept it. So, credit card with ID is worth ordering. Photos are paid more attention today than signatures. Your signature will hardly be checked. The photo will be.

Categories: ID

How To Make Your Credit Line Bigger

In modern world, loan is often the key to personal and business success. We live in a credit economy. On the one hand, it gives quick access to goods. On the other hand, it creates phantom assets, as the person in reality does not have financial resources to pay.

However, bank loan is necessary in society. For a single person, it can cover urgent medical costs, if money is needed quickly. For a young business, it can support its growth and development.

How Banks Assess The Client

Loan is a product and you as a borrower are charged for it in percents. Banks do not lend large sums of money easily. It involves many risks:

  • clients can fail to pay;
  • clients constantly pay after their monthly deadlines;
  • some industrial or business fields may decline, and the client may lose their job or lose their business, thus having to possibility to disburse funds under a loan.

These factors make bankers doubt about issuing loans. Even if they give you some hundred dollars loan, for a bigger credit line, you have to show your ability to give money back with interest.

If in business world, personality is assessed via personal card and assets, in financial world it is credit score that determines your reputation. Credit score is your personal biography in financial world. You can be an excellent person and professional, but if you have a low score, your image is ruined. So a potential borrower should have to take care of it.

Advice How To Get A Higher Credit Line

There are several tips to follow if you want to get a bigger credit line.

  1. Be an accurate borrower. That means if you take even a small loan, disburse it accurately. Timing is crucial in financial issues, especially for financial institutions.
  2. Pay attention to your credit history. There are special credit bank deposit cards that are designed to educate a client on the lending culture. When you open such a plastic, you have to put a deposit on it. You will then be automatically allowed a loan for the same amount of money.  You have use this loan accurately. All data and failures to meet monthly payment deadlines are shown in official agencies reportings. Such reports form your credit score which is then addressed and assessed by the bank.
  3. You have to provide the bank with a very solid reason for increasing your credit line. If you are a businessman, present a well-calculated business plan. The most important part of it is calculation and obvious profits.
  4. Use your persuasive skills. Negotiating credit line increase is a matter of persuasion. Show the banker that you are a reliable client. This also includes actually using money exactly for what you have borrowed it.  
  5. Show your assets. Showing you have assets is one of the best ways to persuade the banks about allowing a higher credit line. However, be careful, since the bank can ask you to put your asset as a guarantee for a loan, and that can be really risky.

These are the most important tips to consider if you want to apply for a higher credit line in a bank.

Categories: CREDIT LINE

Benefits of Amex Everyday Preferred Card vs Amex Everyday Credit Card

Credit cards are not only sources of money. Today, bank card offers are composed of the whole package of additional services. These services determine card attractiveness as a product to the potential clients.

American Express is one of the companies that developed the most innovative financial services. The bank cards by American Express are known all over the world. Amex Everyday credit card and Amex Everyday Preferred are fine products for a regular citizen. Such cards offer unique benefits. The cost of each one is different. Advantages of having a one are different too.

American Everyday and American Preferred: Which To Choose

When you choose a right type of plastic, you have to make a research. It is important to compare

  • interest rates;
  • monthly payments;
  • bonuses;
  • other available features.

These are crucial characteristics to determine what kind of plastic you need for your particular purposes and financial capabilities.

The very first parameter the clients look at is annual fee. For Amex Everyday American Express offers unique zero cost interest rate. For the Amex Preferred the annual fee is $95. At first sight, Amex Preferred seems to be more beneficial, however, everything is not that superficially simple.

What Are True Benefits of Amex Cards

Amex cards were developed to propose the most of possible benefits to a client who spends. The client gets return for each purchase. It is measured in points which are later converted into cash. These types of products encourage people to buy more.

Here is the structure of bonuses offered by American Express:

  • Amex Preferred offers higher bonuses to client. It offers 3* points in US supermarkets, when Amex Everyday gives you only 2*.
  • For opening the plastics the client gets a welcome bonus. For a Preferred card it is higher and equals up to 15 000 points. For Amex Everyday sign up the client gets only 10 000 points.
  • Both cards offer purchase protection function, as well as extended warranty and travel accident insurance.
  • Transaction bonuses differ. For Amex Preferred they are usually up to 50% points for making 30 and more purchases. For Amex Everyday, you get only 20% for 20 purchases and more.
  • Points collected for using both plastics are easy to transfer. You can easily pay with points.

Both cards are very advantageous. What is more important, American Express is quite a tolerant company. It is relatively easy to open both credit lines there. You can do it even if your credit score is not that high. The money limit will of course correlate to your income, however, it will take you only moderate time to get a new credit line.

Categories: CREDIT CARD

Amex Everyday credit card overview

Banks today work on competitive financial market. That means they have to develop a fine product in order to stay competitive. Bank plastic is one of the most popular financial products. They are convenient to use and to keep, multifunctional, and most of them are easy to manage for different financial operations.

Banks make everything possible to create a high value for every plastic. That is why they issue various types. Each type of plastic had its own:

  • yearly payment;
  • welcome bonuses;
  • loyalty programs.

On top of that, financial institutions continuously facilitate clients’ access to credit cards. That opens new opportunities for clients.

Amex Everyday is a perfect plastic for people who would like to get return on their spending. It is one of the most popular plastics in the US, issued by American Express.  American Express functions on the US financial market since 1850. It is certainly one of the most influential companies in the US. The company innovated the market with many outstanding financial products.

Benefits Amex Everyday Brings You

American Express is one of the companies that learns the needs of clients regularly. It knows bonuses are particularly attractive to clients, so crafts its cards accordingly.

Amex Everyday credit card is one of the most successful products. It is perfect for households that pay with plastic regularly. The plastic offers regular bonuses on purchase of goods and services. Here are the benefits of Amex Everyday:

  • It is relatively easy to open. You do not have to possess an excellent credit history. You can easily get Amex Everyday plastic.
  • It is quite quick to make your credit bigger. You can ask for your credit line extension. The only thing you have to confirm is that you have additional income that can cover the borrowed money.
  • It has no annual fee. That is one of the biggest advantages. You use the plastic free of charge.
  • You get return on your purchases. The company has partnership with many enterprises. When you pay with Amex at supermarkets and shops, you get refunded around 2% at the end of the year. That makes the plastic particularly attractive for households. There are not that many banks offering such a good return from purchases.

What The Card Can Be Used For

The card was designed for the comfort of regular household. It is a very client-oriented product. It can be used by the housewives and businessmen equally. But the best option is to use such a plastic for the personal needs. There are better card offers if you decide to use plastic for business purposes.

Mastery of American Express is in the unique features of its financial products. Whatever card you choose, it excellently match each particular target. Before issuing a new product, the company learns in details about the necessities of their potential clients. According to the company, it concludes beneficial partnerships with various enterprises. Businesses learnt that the right way to succeed is to design fine solutions together.

Categories: CREDIT CARD