#American Express Card Balance

[todaynewsonline]

Best Balance Transfer Credit Card: The Ultimate Guide

Best Balance Transfer Credit Card: The Ultimate Guide:- In today’s fast-paced world, managing credit card debt can be a challenging task. If you find yourself burdened with high-interest credit card balances, a balance transfer credit card can provide a viable solution. In this comprehensive guide, we will explore the concept of balance transfer credit cards, their benefits, factors to consider…

[wewontbesleeping]

ok it’s so annoying when places don’t take certain cards so you get all the way through and then they’re like ohhh you have American Express? absolutely not

[emerald-truth]

tarot reading for scavenger hunt item 8

One day, before the big snooze, Frank did tarot readings for some of her girlfriend's mysterious coworkers with her special lovers' deck. Here is what she found:

Three of Lydia's coworkers visited me that day to ask about their work crushes. Without giving away anything about what they do of course. Just like Lydia, honestly! For all of them though, I used my lovers' deck to do a reading with one card for their perspective on the relationship, one for the crush's perspective, and one for their relationship and future overall.

My first visitor was a shy, sweet American named Felix. The poor boy told me he was in love with his best friend. I've seen plenty like him before, pining for someone who only ever notices them in the wrong way. At least as far as they can tell. But we're here to see what the cards can tell, so let's consult them.

The nine of cups shows us Felix's feelings about the relationship. Cups are an emotional suit and the nine is a strong expression of that emotion. But even just from speaking with him I could tell Felix has strong feelings for this person. He shouldn't worry about whether the friend will turn him away if he confesses because his love for them is already obvious, even if they don't realize its nature. This is also the only non reversed card in the spread, showing that although Felix's feelings are certain, his friend's and their future are weaker at the moment and will depend on what actions he takes.

The eight of staves reversed represents a sudden change that is being delayed or held back. This suggests that Felix's friend is waiting for him to make the first move, after which he will make a decisive choice.

The two of coins represents balance, especially in work or practical matters. Knowing that this is a work friend especially makes me think this represents how well Felix and his friend balance each other out and work well together. Because it's reversed however, there's an aspect of that relationship they have yet to unlock, perhaps a romantic one.

My overall advice to Felix is that his friendship is strong and his friend knows they're very loved, so this is just the right time to try to take that friendship further. If he takes the right actions, there could be a big change in his relationship which makes it more complete.

My next customer was a man named Alec. I do hope he found some peace in his life, he seemed very wound up. But the cards do predict some possible romantic success in his future.

The five of cups is a card that represents great turmoil, but the fact that it is reversed means Alec is beginning to move past those troubles. In this card, someone looks only at the negatives in life and never sees the possibilities. Being reversed in this position suggests that by considering a new relationship, Alec is starting to find the paths to happiness in his life and recover from a time of despair.

The prince of coins is someone who works hard and has a materially successful future ahead of them. In this reading, we can assume this diligent person will put that same effort into a relationship with Alec and their mutual wealth. They are also someone who enjoys the physical pleasures of this world, another positive in a romantic partner.

In the lovers' deck, Arthur and Guinevere represent the archetype of power. Like King Arthur and his queen of myth, this also comes with the wisdom to wield that power together, building on each other's strengths. I can only say that if Alec lands his crush the world had better watch out!

My advice to Alec is that this seems like a great relationship to pursue which will bring him great happiness and out of a dark time, but first he should make sure he's ready to move on from his past regrets in order to be a fulfilling partner.

My last guest only introduced himself as Q. He seemed doubtful of the tarot, but willing to ask for its advice in a trying relationship. Love and hate are not always so different from each other, and like many before him, he spoke of someone he had at first hated but frustratingly come to love. Despite his lack of faith, the cards gave him this sound answer.

Arrows in this deck represent the importance of communication in relationships and (like the traditional swords) knowledge. Both being reversed here suggests there is some knowledge lacking on both sides of this relationship. The ten of arrows or swords can also represent a decisive ending. Combining these two, when Q improves his communication with his crush, an end will come to this difficult phase of the relationship.

The queen of arrows is the feminine culmination of this suit, suggesting that Q's crush has the potential to be an open and eloquent communicator. However, its reversed position and Q's comments about this person's aggravating communication style (or lack thereof) tell me something is preventing them from sharing the interpersonal expertise they possess.

Despite these roadblocks, the final card is the famous lovers Romeo and Juliet, representing tradition. This means their relationship may take on a traditional structure like marriage. However it may also be that societal tradition is the issue constraining their relationship at the moment. Most relationships flourish when people let go of societal expectations while also creating their own forms of structure.

My advice to Q is that he try to open up to his crush and encourage them to be open with him. I would also recommend they try to find the traditions that are important to them without worrying about what other people think, just like Romeo and Juliet. Although that story is a tragedy, with the right choices, this one won't be!

After all that, I discovered that despite the secrecy, Lydia's job does have the usual workplace drama! I'm sure all these men will find happiness with their crushes. (through the power of multishipping, all of Frank's positive predictions can come true!)

[thequeenofsarcaasm]

Geto’s parents were on demon time when they made him. Face card giving American express Centurion with an unlimited balance

[unchataparis]

Don't

Liladrien Week 2024 | Day Four: Solitude

Lila’s heels clatter against the cobblestone as she walks. When she brings her left foot down at an awkward angle, the stiletto point of her shoe dives into a crevice in the ground and nearly brings her off balance. But, elegantly, surely, Lila throws her weight in the opposite direction, manages to regain her balance, manages to not break her angle, and continues on.

It’s a cool night, not a cold one, but the brisk wind and the light rain make it feel as if it should be chillier than it really is. Along Lila’s arms, goosebumps are raised. Her dark red backless minidress looks good and costs a pretty penny, but doesn’t really do anything against the elements. Along Lila’s flank is an embossed black mini bag, containing her phone, her wallet, cosmetics, and nothing else.

Her reflection drifts alongside her in darkened windows and the glossy hoods of cars as she walks. Above, the sky is the shade of David Lynch’s Blue Velvet (1987). Lila could see cars in the distance. Lampposts flicker in and out.

Lila is far from the heart of Paris.

Ah, Paris, this lonely, dark, arrogant city. With its enviable history and funny people. Lila will never get over the way they pronounce gin . Seriously, walk up to a French person and ask them to pronounce gin.

Lila hasn’t been back in Paris for a long, long time, and she plans to thoroughly enjoy her temporary sojourn.

At the edge of an industrial complex, constructed at the mouth of a sprawling car park, is a closed travel agent’s office. Lila approaches the dim stairs that lead to the second floor above it and climbs.

Upstairs, it’s much warmer and sightly.

Lila sighs, relishing in the heat and the classy décor. Marble pillars and an under-lit bar table. Small clusters of plush armchairs are granted the veneer of privacy by their fences of giant potted leaf figs. A waterfall wall bubbles merrily on the far side from the entrance, glowing with neon light fixtures.

As Lila walks, her heels clatter on black-and-white chequered floor tiles before becoming muffled on scarlet carpet. She approaches the bar, clenching the edge of it coquettishly while the well-dressed and reticent bartender looks up from the silverware he is polishing.

“So, um…” Lila says, scanning the shelves of alcohol lined by along the glass shelves. “Could I have an…espresso martini, please?”

The bartender puts down his silverware. He starts up the espresso machine, which purrs like an awakening leopard. Lila leans on her elbows upon the bar, watching him work. 

He stamps freshly-ground coffee into a filter, fitting it tight into the grouphead . He lays a tiny glass cup beneath the drip and presses a button Lila can’t see. The espresso machine buzzes and dark, aromatic liquid flows down. Meanwhile, the bartender has obtained a bottle of Belvedere vodka and a bottle of Mr Black Cold Brew coffee liqueur from the shelf behind him. He adds ice into a silver cocktail shaker, then measures in two shots of vodka and one shot of coffee liqueur. A drizzle of golden honey syrup, the espresso shot is dumped in, and the entire thing is shaken economically and intently.

The final cocktail is poured into a crystal-clear martini glass; alcohol the shade of Lila's hair lightening and puffing into a foam the colour of her skin.

The bartender drops three whole coffee beans on top in the pattern of a trillium and slides the cocktail over the counter to Lila.

“Thank you!” she coos, tapping her black American Express card against the EFTPOS scanner.

After she tucks her wallet back into her bag, she drops it, letting her purse hit her flank. In the same instance, she picks up her cocktail and turns around, leaning on the bar while she sips.

Lila can hear the sound of the bartender cleaning behind her. Ahead, she could see the entirety of the demure, sophisticated little bar.

The wafts of cold and mist drifting up the stairs, losing the battle with the establishment’s artificially produced heat. The glimmer of the lustrous, dim lightning reflecting off metallic surfaces. The few patrons gathered at this hour talking to each other in low voices inside cushioned alcoves. At a table to Lila’s right, a silver fox conversing with an enchantingly sweet-looking minx.

Over by the lone table facing an entire wall of floor-to-ceiling glass, is a singular man staring down at his drink.

Lila takes a sip of her martini while taking in the back of this man. She's interested because he appears to be her age, financially-comfortable , and stylish. Then, Lila pauses. And moves closer.

Adrien Agreste is nursing a half-drunk whiskey. One fingerpad circling the rim of the glass over and over again in hypnotic circles while the amber liquid glimmers like topazes. His eyes are misty and he appears to be deep in thought. He wears a black leather jacket with a white V-neck shirt, dark jeans, and YSL Wyatt Harness boots. The Tiffany & Co. silver dog-chain necklace dangling at the crux of his sternum is blank and innocent. 

“Hi,” Lila says.

Adrien startles and looks up.

“…hey,” he says.

Read the rest on Ao3

[tctteredwings]

[ harry shum jr., genderqueer, he/they ] — whoa! KIAN ZHANG just stole my cab! not cool, but maybe they needed it more. they have lived in the city for THEIR WHOLE LIFE, working as the HEAD STYLIST AND OWNER OF KIAN ZHANG HAIR. that can’t be easy, especially at only 41 YEARS OLD. some people say they can be a little bit DRAMATIC and BLUNT, but i know them to be INNOVATIVE and ACCEPTING. whatever. i guess i’ll catch the next cab. hope they like the ride back to MANHATTAN!

IN A NUTSHELL; a smudge of eyeliner, vintage clothing, piano solo's when the sun's gone down, the slight scent of hairspray, an extensive collection of disney pins, willing to do anything for their son.

tw: bullying

ABOUT.

Name: Kian Zhang Nicknames: Ki Age: Forty-one Date of birth: 21st February 1983 Birth place: Manhattan, New York Occupation: Head Stylist and owner of Kian Zhang Hair Romantic/sexual orientation: Panromantic/pansexual

Kian was born in Manhattan, New York, along with his twin sister, his best friend from the word go.

He’s second-generation Chinese-American.

As the years ticked by they found themselves not entirely happy in their own skin, they started dressing differently, wearing the occasional smudge of eyeliner, something they attempted to embrace in high school.

It didn’t go well, the bullying soon followed; accepting apparently himself was frowned upon. Despite the multicultural city he lived in, his expression was limited in his youth.

He didn’t really listen, continued on in private, with close friends he made… with a boyfriend, someone who meant the world to him as time went on. He was someone who stayed a close friend long into his thirties, despite the break-up in senior year.

It was shortly after high school that they began to go by both he and they pronouns, something that has stayed the same ever since.

Their creativity came out over time and they embraced it, choosing in the end to make their way into the beauty industry and the Carsten Institute of Cosmetology was the place to do it.

He eventually chose to specialise in hairdressing, becoming a stylist to the stars within a couple of years of graduating.

Shortly after that they found themselves caught up in a new relationship, something that was difficult to balance, but he tried his hardest.

Within a year or so a wedding was on the cards, each detail planned out meticulously. It was to be the beginning of a new chapter for him and when they found out only six months later that she was pregnant, he realised it really, really was.

Somehow, at some point during all of this he managed to open up his own salon in the Upper East Side —- somewhere that ended up with a three-month wait for appointments at all times of the year.

Not long after their 30th birthday, the family of three relocated to London, UK, a decision that was made for her work. Kian chose to work on opening a salon there instead, a small franchise that they intended to let someone else run, but with their ethics and style.

As their time in London ticked on, cracks in the relationship began to show, attempting a slower lifestyle ( despite the location ) wasn’t working —- they were both so used to being rushed off their feet.

Two years later a divorce was finalised and Kian moved back to New York. A rocky few years followed, the pair attempting to handle parenting from different continents.

He soon met someone who changed things for him, someone who made them want to try again. A couple of years passed, they moved in together, they were complete opposites in a way, yet that only seemed to make their bond stronger. They complimented one another and it was as simple as that.

But then that ended, too, abruptly and painfully. Kian did all they knew how to do, focus on work and ignore everything else going on around them. Thankfully his son is back in the States now, his ex-wife's job changing a couple of years ago, meaning she could return.

HEADCANONS.

Their wardrobe is a rather eclectic mix of things, although their most colourful side comes out when they’re working and less so at home. At home they really are about being comfortable and nothing else.

There’s always the slightest hint of eyeliner with them, they’ve never been able to let that go.

He’s been playing piano since he was small and he’s pretty damn good at it now —- can definitely give Beethoven a run for his money.

He’s got a bit of thing for 80′s music and are playing it constantly, especially in the salon.

Can’t play sports to save their life, although they like to think they were an amazing high-jumper in high school ( they weren’t, but still mention it if anyone ever brings sports up ).

They collect Disney pins and have never been particularly shy about it.

Once got stabbed with their own scissors by an unhappy client.

[mysteriouslytransparentwitch]

prince william tarot & oracle

this is a rather special reading of prince william, it is an observation on several aspects. I know some people feel offended by the attacks on prince william since the queen's death. I'm going to be honest with it, everyone is there to learn and grow on this earth, everyone has faults and qualities (Charles too), but in my opinion William must start in 2024 to really prepare because his father is 75 years. He still has a lot to learn and his father learned a lot.

Let's start with the oracle of greek mythology, there question is how prince william is perceived from above (the olympus for the greek gods)

we have Tyche's card but reversed, William has the seeds of wheat, the ability to create abundance but does not use and plow his field. We have the card of Eros, he has love, the truth in his life, he has the power of attraction like Aphrodite, to create beautiful things and to inspire unfortunately we have the reversed Iris card, he does not see the signs of the universe and the messages of the gods and we have the Alcmene card, create your own problems or the power to self-sabotage.

we continue with the oracle of past lives: prince william's knots, it's interesting, we have the scribe's or writer's card, there is a knot with learning, study, ancestral knowledge. We also have the map of the farm, plowing his fields, the notion of effort comes back here. There is a lack of spirituality with the Native American map, Diana had Native American ancestors, the connection to the universe is quite low here in Prince William.

with the energies oracle we have the map of the inverted door of values + throat chakra + all time healer = ok he feels vulnerable and helpless he can't express himself he is in his mind right now, he is trying to activate healing but he is having a lot of trouble, he hopes over time to heal and get out of this pain so he feels trapped. There is a blockage in him in his crown chakra, he cuts himself off from his intuition, from his love and friendship bonds in certain aspects.

with the akashic tarot: the question here is: what is the connection between prince william and his people and royalty: we start with the will, wisdom and spirit card: he was bathed in this aspect, he was taught or told the balance of these 3 words. But, we have the map of the watchman, it is a map where we observe a sailor with his magnifying glass in a burning boat. Here the map tells us that William is looking ahead in the direction of dry land but does not see the start of fire on the boat. I translate, if William continues on this path, he will create his own problems. We continue with the map complexities and applications of reverse work: we use the tools that can help us build our church, we do not like the details, we react in haste instead of taking the time to reflect, we asks you focus on the subtleties and keep the faith. We continue with the map of the Akashic library, once again, there is a notion of learning, reading, ancient and recent writing, you have a library full of books, the only thing to do is to open a book but you don't do it with the map of the reverse commitment, you cut yourself off from this link and this light. We have the inverted ego map = you are going to see some gaps in your view of yourself. With the garden card + autumn = certain childish or immature things must die to make way for a new flower or a revival.

With the golden tarots: we want to move forward but we don't know how and we move forward in an unstable way, we can't be very square in our professional life, be careful he may have a desire to leave for certain people or to drop certain projects due to lack of organization or lack of detail. It is difficult to understand a new status or an evolution here, be careful once again, your behavior can create losses here with the inability to harvest abundance correctly.

[fourseasonsfigs]

Mid-Autumn, Snow Mountain Edition

Now for something a little different!

This fig set / diorama is actually an individually made to order piece. There's a fan artist on Xianyu that designs and creates Word of Honor / Junzhe figures for purchase. The artist will also take commissions, but I haven't done that yet (although I definitely have some figures in mind!).

The small diorama is made out of painted wood, and the figures out of sculpting clay. The moon is a little working light that adds a bit of extra delight to the scene!

The little scene is actually quite small. The outer dimensions of the frame are 12cm x 12cm (4.7 inches to me and my fellow Americans). I put the box next to the original official Tofu figs for size comparisons. Tiny and cute!

Here we have A-Xu, as light as air (or willow catkins), floating along in a tranquil snowy mountain evening. You can tell this is a CP (couples fan) artist because in his hand he has an egg, a representation of a CP fan, dressed in mid-summer bunny ears. We also have white-haired Lao Wen, holding a tangerine, also a symbol for a CP fan. Another tangerine sits on the snow, happily looking on. It's just about as cute as cute can be. You can see how it caught my attention on the Xianyu feed!

I'm going to do a few larger angles of the whole piece first, and then zoom in for some individual closeups.

The whole piece is quite sturdy. I was really worried that pieces would break in shipping (that ribbon seemed especially vulnerable), but it was well packed by the seller.

That plastic thing up there on the right is the battery light pack - we'll get around to a better view of it.

It's a little off-balance here because of the battery pack.

Speaking of, here it is. I had to have the battery taken out for international transport, so I need to find a replacement. As you can see, the back of the frame is very solidly nailed in, so I can't, say, shine a tea light in the back and expect it to come through to the moon.

When I locate a little battery, I'll come back and update this post!

In the meantime, we'll move on to the extreme closeups of these cute little figs.

We'll start with A-Xu first, since he's the shixiong here. A-Xu's floating ribbon scarf, much like A-Xu himself, is a thing of beauty - delicate and graceful. It's one of my favorite things about this piece.

I'm going to try to get all angles I can here - bear with me!

The detail is just wonderful. Keep in mind how tiny this is! It's really extraordinary. Also, the little egg in the bunny costume is super cute. I love animal costumes of any kind!

Aww, look at his little feet! I love the layers of his robes and of course the pants and boots. This is also a great view to see the scarf / ribbon.

Alright, on to the Lao Wen closeups! It's all you, shidi.

Look at the expression on his face. I love him! The snow mountain costume looks fantastic, and the little juzipi looks about as happy as can be.

A full on view of those super adorable faces! The artist did such a wonderful job with this.

It only takes the artist less than a week to make one of these. Amazing. I would still be working on the (first) juzi, if it was me.

A photo kind of wedged in between A-Xu's ribbon scarf and the mid-autumn moon. The figures feel solidly set in the frame - I don't worry they are going to budge or fall out at all.

This is such a funny, immensely foreshortened view! All we see is chipmunk cheeks!

There was no way I was going to forget the mid-summer tangerine CP fan! Us JZP have to stick together. I gave this little jiemei a wink myself when I saw her 😉

No box or box cards here, since this was individually hand crafted.

After this little item arrived in my warehouse and I saw how wonderful it was, I bought a number of the artist's other items. I'm really looking forward to making posts of those when they arrive at my door!

Material: Sculpting clay (figures) and wood (frame)

Fig Count: 234

Scene Count: 24

Rating: 😉🍊

[link back to Master Fig Index for more posts]

[merchantaccounts1]

Alternative Payment Methods (APMs) for Online Transactions

‍‍In the past decade, the world of online payments has witnessed a significant transformation. With the rise of e-commerce and the increasing preference for mobile shopping, customers now have more choices than ever when it comes to payment methods. This shift has led to the emergence of alternative payment methods (APMs) that offer customers greater convenience and flexibility. In this article, we will explore the different types of APMs, their popularity across the globe, the benefits of accepting these methods for businesses, and how to choose the best APMs for your business.

Understanding Alternative Payment Methods

Alternative payment methods refer to any form of payment that does not involve cash or traditional credit card systems like Visa, Mastercard, or American Express. These methods include domestic cards, digital wallets, bank transfers, prepaid cards, and more. Unlike traditional payment methods, APMs offer unique advantages such as enhanced security, faster processing times, and ease of use. They have become particularly popular for online transactions, with many countries seeing a significant shift towards APM usage.

Types of Alternative Payment Methods

Prepaid cards: Prepaid cards are loaded with funds by consumers and can be used for purchases until the balance is depleted. They are not directly linked to a bank account and are a popular choice for individuals who want to control their spending.

Cash-based payments: Cash-based payment methods allow customers to generate a barcode or unique reference number for their payment and then complete the transaction by paying in cash at a participating retail location. This method is particularly popular in regions with a large unbanked population.

Real-time bank transfers: Real-time bank transfers enable customers to make online payments directly from their bank accounts. This method offers instant settlement and minimal friction for customers, making it a convenient choice for many.

Direct Debit: Direct debit allows merchants to pull funds directly from customers' bank accounts for recurring payments. This method is commonly used for subscription-based services and offers a seamless and automated payment experience.

Domestic card schemes: Domestic card schemes operate similarly to global card schemes but are limited to specific markets. These schemes cater to the unique needs of consumers in their respective markets and often provide lower processing costs for merchants.

Electronic wallets (e-wallets): E-wallets allow customers to store funds digitally and use them for various transactions, both online and offline. They offer convenience, security, and often provide additional features like peer-to-peer transfers and cross-border payments.

Mobile wallets: Mobile wallets are digital wallets that are specifically designed to be used on mobile devices. Customers can load funds into their mobile wallets through various methods and make payments conveniently through their smartphones.

Digital wallets: Digital wallets are used to store payment card information securely and generate tokenized card numbers for each transaction. They offer a convenient and secure way to shop online without the need to enter card details repeatedly.

Buy now, pay later (BNPL): BNPL services allow customers to defer payments or split the cost of a purchase into installments. This method is gaining popularity for its flexibility and convenience, particularly for high-value purchases.

Cryptocurrencies and stablecoins: Cryptocurrencies like Bitcoin have gained attention in recent years, offering an alternative form of payment. Stablecoins, which are cryptocurrencies linked to fiat currencies or government bonds, aim to reduce volatility and make transactions easier.

Popular APMs Worldwide

The popularity of APMs varies across different regions and countries. Here are some notable trends:

North America

In North America, digital wallets have become the most popular payment method, surpassing credit and debit cards. Apple Pay and Google Pay are widely used, while services like PayPal and Venmo are gaining traction among the younger generation. APMs account for a significant portion of e-commerce transactions in the region.

South America

APMs are gaining ground in South America, with a projected increase in their usage for digital commerce transactions. Credit cards still dominate, but alternative online payment solutions, such as e-cash methods, are becoming more widespread. Cash on delivery is also popular, especially in countries with a large unbanked population.

Europe

In Europe, digital wallets have surpassed credit and debit cards as the preferred online payment method. Domestic debit cards, like Bancontact in Belgium and Cartes Bancaires in France, are popular alongside global card schemes. Bank transfer methods, such as iDEAL in the Netherlands and Przelewy24 in Poland, are also preferred by a significant number of consumers.

Africa

In Africa, mobile wallets have gained popularity due to the lack of bank branch infrastructure and a large rural population. Cash on delivery remains the preferred method, especially in Nigeria and South Africa. Digital wallets are also seeing growth, particularly in Kenya and Nigeria.

Middle East

Cash has traditionally been the dominant payment method in the Middle East. However, the region is experiencing a shift towards mobile wallets due to increased smartphone penetration and concerns over the transmission of cash during the pandemic. Mobile wallet adoption is supported by the expansion of international brands and government-backed payment networks.

Asia Pacific

China has its own domestic card scheme, UnionPay, which accounts for a significant portion of global card spending. Mobile payments, particularly through Alipay and WeChat Pay, are widely used in China. Other countries in the region, such as Singapore, Indonesia, and Thailand, have their own popular alternative payment methods, including GrabPay and OVO Wallet.

The Benefits of Accepting APMs for Businesses

Not accepting customers' preferred payment methods can have a negative impact on conversion rates and lead to shopping cart abandonment. Research shows that a significant percentage of consumers are deterred from completing a purchase if their preferred payment method is not available. By accepting a variety of APMs, businesses can improve customer satisfaction, increase conversion rates, and stay ahead of their competitors.

APMs offer several benefits for businesses:

Increased conversion rates: By offering a wide range of payment methods, businesses can cater to the preferences of different customer segments, leading to higher conversion rates and reduced shopping cart abandonment.

Improved customer experience: APMs provide convenience and flexibility for customers, allowing them to choose the payment method that suits their needs and preferences. This enhances the overall customer experience and fosters loyalty.

Expanded customer base: Accepting popular local and global APMs enables businesses to reach a wider customer base, including those who prefer alternative payment methods over traditional options.

Reduced fraud and chargebacks: Many APMs incorporate advanced security features, such as biometric authentication and tokenization, which help reduce the risk of fraud and chargebacks for businesses.

Access to valuable insights: APM providers often offer detailed transaction data and analytics, providing businesses with valuable insights into consumer behavior and preferences. This data can be leveraged to optimize marketing strategies and improve customer targeting.

Choosing the Best APMs for Your Business

Selecting the right APMs for your business requires a thorough understanding of your target market, customer preferences, and business requirements. Here are some steps to guide you in choosing the best APMs:

Research customer preferences: Conduct market research to identify the most popular payment methods among your target audience. Consider factors such as geography, demographics, and shopping habits to determine the most relevant APMs for your business.

Evaluate business needs: Assess your business requirements, including cost per transaction, setup and management complexity, regulatory compliance, and compatibility with your existing payment infrastructure. Choose APMs that align with your business goals and objectives.

Partner with the right providers: Work with payment service providers that offer comprehensive coverage of the APMs you wish to integrate. Ensure they have the necessary capabilities to support your business's growth and adapt to evolving customer preferences.

Test and optimize: Implement APMs in a phased approach and continuously monitor their performance. Analyze transaction data and customer feedback to identify any pain points or areas for improvement. Regularly optimize your APM strategy to maximize conversions and customer satisfaction.

By embracing the growing trend of APMs and selecting the right mix of payment methods for your business, you can enhance the payment experience for your customers and drive growth in your online sales.

Conclusion

Alternative payment methods have revolutionized the world of online transactions, offering customers greater convenience and flexibility. From digital wallets and mobile payments to real-time bank transfers and buy now, pay later services, APMs cater to a wide range of customer preferences. Businesses that embrace APMs can benefit from increased conversion rates, improved customer experience, and access to valuable insights. By understanding customer preferences, evaluating business needs, and partnering with the right providers, businesses can choose the best APMs to drive growth and success in the digital marketplace. Stay ahead of the competition by embracing the changing landscape of online payments and offering customers the payment methods they prefer.

[onenettvchannel]

OneNETnews EXCLUSIVE: An arrest warrant from a Texan TikToker facing multiple charges in the Dallas County area due to a Suspicious Money Glitch

(Prepared by Ronnie Anne Santiago & Miko Kubota / Stringer Correspondent of Nickelodeon News & Radyo Bandera Patrol #4 news reporter of OneNETnews + Station Manager and President of ONC)

DALLAS, TEXAS -- A Texan-based TikToker named Krishna Sahay is facing controversy after allegedly utilizing an illegal money glitch found in American gift cards to purchase inexpensive items. Stronger allegations surfaced following a series of online video shorts posted exclusively on his own TikTok account, which is owned by Bytedance.

Supermarket and mall stock prices are all drop unexpectedly due to repetitious cyber money heist in Q2 2023.

In the videos, Sahay claims to have discovered a flaw in the system that allows him to buy hundreds or thousands of dollars worth of items as associated with a gift card that has no balance or had been used before. He detailed the process step by step, showing his TikTok followers how to replicate his actions professionally. The videos quickly gained attention, with many viewers expressing skepticism and shock at the money glitch. However, some expressed concern at the legality of Sahay's actions, pointing out that exploiting such a loophole could be seen as a totally fraudulent.

Several individuals reported their TikTok videos to relevant authorities in Texas, the Federal Bureau of Investigation (FBI) and the National Cyber Investigative Joint Task Force (NCIJTF), prompting an investigation into Sahay's activities. As a result, the TikTok user is now facing potential legal consequences.

Many TikTok users have condemned Sahay's actions, calling for him to be held accountable for his behavior and make amends. Some even called for his account to be later banned, citing concerns about his influence targeted to younger users. In response to affected controversy, Sahay issued a closed-door statement apologizing for his public actions online and acknowledging the legal ramifications. He is admitted that he had not fully understood the significant nature of his actions and expressed regret for any harm done.

Despite his apology, the ramifications of Sahay's actions could be significant. Experts have cautioned that taking advantage of gift card system flaws could cause additional security problems and expose consumers and businesses to fraud and other unlawful activities. The case also emphasizes the importance of spreading knowledge and encouraging responsible online behavior, particularly among the younger generation, which may be more vulnerable to such schemes than those that imitate him.

The investigation is underway as based from his activities of Sahay as it remains to be seen what the outcome will be, as according to Dallas Police Department (DPD). At this moment, Sahay will soon face publicly in court with a multiple charges of Cyber Money Heist, Money Laundering, Shoplifting and even violates policies online on TikTok.

The intense controversy serves as an unsettling cautionary tale that there are no shortcuts to success in money glitches when it comes to financial difficulties for those who might be tempted by the lure of easy money, rather than a traditional gambling point. We urgently reached out to Walgreens, Walmart and Target for a comment and to be turned over via E-Mail for this situation.

STOCK PHOTO COURTESY: Wall Street Journal BACKGROUND PROVIDED BY: Tegna

SOURCE: *https://www.youtube.com/shorts/JTPuWRHGKec [Referenced YT Shorts Relay #1 via Krishna Sahay] *https://www.youtube.com/shorts/YqjPyGpwXbw [Referenced YT Shorts Relay #2 via Krishna Sahay] *https://www.youtube.com/shorts/fq4XRQ0kupY [Referenced YT Shorts Relay #3 via Krishna Sahay] *https://www.youtube.com/shorts/8o8GGYgaYvo [Referenced YT Shorts Relay #4 via Krishna Sahay] *https://www.youtube.com/shorts/Fo6cWi43SaA [Referenced YT Shorts Relay #5 via Krishna Sahay] *https://www.youtube.com/shorts/g4gnC7Znc88 [Referenced YT Shorts Relay #6 via Krishna Sahay] and *https://www.youtube.com/shorts/VU9QAuiU4wY [Referenced YT Shorts Relay #7f via Krishna Sahay]

-- OneNETnews Team

[mariacallous]

CFPB: Why the largest credit card companies are suppressing actual payment data on your credit report

In 2020, we noted that the largest credit card companies started to deliberately suppress their customers’ actual payment amounts from the nationwide consumer reporting system. Actual payments are the amount a borrower repays each month, as opposed to the minimum payment or balance. Failure to report actual payment data means that millions of people’s credit reports are missing fundamental information about their credit card repayment behavior that could help many of them receive better financial offers and save on interest expenses.

We asked the CEOs of the nation’s biggest credit card companies – JPMorgan Chase, Citibank, Bank of America, Capitol One, Discover, and American Express – if they ever furnished actual payment information. For those that suppress it, we asked why, and if they had any plans to change their practice. Here is some of what we learned:

Major market players made the change to suppress data within a short period of time

Credit card companies didn’t say when they would restart reporting actual payment information

Companies suppressed data to limit competition

By suppressing actual payment data, the largest credit card companies are making it harder for people to shop for credit and save money. We will continue to monitor and address credit card company practices that impede effective market competition, like actual payment data suppression. We will also brief the appropriate financial regulators and law enforcement agencies on our findings.

Learn more

[oftatteredwings]

⸻  HARRY SHUM JR. HE + HIM / have you ever     heard of EXPRESS YOURSELF by labrinth, well,     it describes KIAN ZHANG to a tee! the 39 year old, and STYLIST AT KIAN ZHANG HAIR  was spotted browsing     through the stalls at portobello road market last sunday, do you know     them? would you say  HE is  more dramatic or more INNOVATIVE  instead?     anyway, they remind me of a smuge of eyeliner, vintage clothing, piano solos when the sun’s gone down and a slight whiff of hairspray, maybe you’ll bump into     them soon! 

time in notting hill ; 3 years.

tw: bullying, homophobia

ABOUT.

Name: Kian Zhang Nicknames: Ki Age: Thirty-nine Date of birth: 21st February 1984 Birth place: Manhattan, New York Occupation: Hair stylist at Kian Zhang Hair Romantic/sexual orientation: Panromantic/pansexual

Kian was born in Manhattan, New York, along with his twin sister, his best friend from the word go.

He’s second generation Chinese-American.

As the years ticked by he found himself not entirely happy in his own skin, he started dressing differently, wearing the occasional smudge of eyeliner, something he attempted to embrace in high school.

It didn’t go well, the bullying soon followed; accepting apparently himself was frowned upon. Despite the multicultural city he lived in, his expression was limited in his youth.

He didn’t really listen, continued on in private, with close friends he made... with a boyfriend, someone who meant the world to him as time went on. He was someone who stayed a close friend long into his thirties, despite the break-up in senior year.

His creativity came out over time and he embraced it, choosing in the end to make his way into the beauty industry and the Carsten Institute of Cosmetology was the place to do it.

He eventually chose to specialise in hairdressing, becoming a stylist to the stars within a couple of years of graduating.

Shortly after that he found themselves caught up in a new relationship, something that was difficult to balance, but he tried his hardest.

Within a year or so a wedding was on the cards, each detail planned out meticulously. It was to be the beginning of a new chapter for him and when they found out only six months later that she was pregnant, he realised it really, really was.

Somehow, at some point during all of this he managed to open up his own salon in the Upper East Side —- somewhere that ended up with a three month wait for appointments at all times of the year.

Not long after his 30th birthday, the family of three relocated to London, UK, a decision that was made for her work. Kian chose to work on opening a salon there instead, a small franchise that he intended to let someone else run, but with his ethics and style.

As their time in London ticked on, cracks in the relationship began to show, attempting a slower lifestyle ( despite the location ) wasn’t working —- they were both so used to being rushed off their feet.

Two years later a divorce was finalised and Kian moved across the city to be closer to the new salon.

But he soon met someone who changed things, someone who made them want to try again. A couple of years passed, they moved into together, they were complete opposites in a way, yet that only seemed to make their bond stronger. They complimented one another and it was as simple as that.

But then that ended, too, abruptly and painfully. Kian did all he knew how to do, focus on work.

HEADCANONS.

His wardrobe is a rather eclectic mix of things, although his most colourful side comes out when he’s working and less so at home. At home he really is about being comfortable and nothing else.

There’s always the slightest hint of eyeliner with him, he’s never been able to let that go.

He’s been playing piano since he was small and he’s pretty damn good at it now —- can definitely give Beethoven a run for his money.

He’s got a bit of thing for 80′s music and are playing it constantly, especially in the salon.

Can’t play sport to save his life, although he likes to think he was an amazing high-jumper in high school (he wasn’t, but still mention it if anyone every brings sports up).

He collects Disney pins and has never been particular shy about it.

Once got stabbed with their own scissors by an unhappy client.

WANTED CONNECTIONS.

- twin sister;  - high school ex; his first boyfriend and first step into being who he really was. they’re still good friends to this day. - ex wife/mother of his child: they were together in nyc and moved to london, she currently lives here too. - exes: a couple of bigger ones that meant the world, as well as a few that lasted only a couple of months. - hook-ups, etc.; he’s not exactly shy and often try to shake off the loneliness with a random bedfellow. - clients; from both nyc and london, he’s worked with a lot of celebs over the years, but honestly, anyone. - an excuse to party; he’ll head out whenever he gets a chance, these are the people who regularly join him.

[thelensofyashunews]

TATE MCRAE ANNOUNCES HIGHLY ANTICIPATED THIRD ALBUM So Close To What AND 2025 WORLD ‘Miss Possessive Tour’

Today, multi-platinum pop sensation Tate McRae announces her highly anticipated third album So Close To What to be released February 21st via RCA Records. Through unfiltered lyricism and raw emotions, So Close To What represents the journey of growing up when the road ahead feels infinite and the destination increasingly elusive. It’s an introspective exploration of self-discovery, love, and searching for balance in moments of uncertainty. Pre-save HERE. 

Pre-order So Close To What now in Tate’s Official Online Store at https://tatemcrae.lnk.to/Store. Products include limited quantities of the Exclusive Vinyl including 1 of 4 Collectable Signed Poster Variants, Signed CDs, and Cassettes only available while supplies last.

Tate’s new song “2 hands,” alongside the music video, will be released later today.

“2 hands” follows the irresistible “It’s ok I’m ok” which earned the star her highest-charting debut on the Billboard Hot 100 and has garnered over 165M global streams to date. 

Next year, Tate will embark on her world ‘Miss Possessive Tour’ spanning 50-dates throughout South America, Europe, UK, and North America. Produced by Live Nation, the tour kicks off on March 18th in Mexico City at Pepsi Centre, with shows in São Paulo, London, Amsterdam, Prague, New York, Nashville, and many more before wrapping up in Los Angeles at the Kia Forum on September 26th. Benee will be joining as support on all Europe and UK dates while Zara Larsson will join Tate across all US and Canada dates. On sale info and full routing below. 

AMEX PRESALE: American Express is providing Card Members access to Amex Presale Tickets™ for shows in North America, UK and select European markets, available for purchase HERE starting Tuesday, November 19, before the general public on-sale, while supplies last (times vary by territory). Terms apply. This is one of the many entertainment benefits American Express Card Members can access across the arts, theater, sports and music through Amex Experiences™.

U.S. + CANADA TICKETS: Tickets in the U.S. and Canada will be available starting with Amex Presale Tickets™ (details above) HERE beginning Tuesday, November 19. There will also be an Artist Presale starting Wednesday, November 20 at 11am local time, sign up now HERE. The general on sale will begin Friday, November 22 at 11am local time at TateMcrae.com.

EUROPE + UK TICKETS: Tickets for select dates in Europe and the UK will be available starting with Amex Presale Tickets™ (details above) HERE beginning  Tuesday, November 19. Select markets will also have an Album Preorder presale beginning Wednesday, November 20 at 9am local time at https://tatemcrae.lnk.to/Store. Additional presales will run throughout the week ahead of the general on sale beginning Friday, November 22 at 9am local time at tatemcrae.com. 

MEXICO TICKETS:Tickets for the Mexico City show will be available starting with a Citibanamex presale beginning Friday, November 22 at 11am local time. The general on sale will begin Saturday, November 23 at 11am local time at tatemcrae.com.

VIP: The tour will also offer a VIP package and experience for fans to take their concert experience to the next level. The package includes premium tickets, access to the pre-show soundcheck + Q&A, VIP merch item, early entry & more. For more information, visit vipnation.com.

[flixsef]

How Does American Express Membership Rewards Work?

American Express Membership Rewards lets cardholders earn points. Every time you use your card, you collect points. These points can be redeemed in many ways. You can use them for travel, shopping, or gift cards. For example, I once used my points to book a flight. It saved me money and was easy to do. Many people prefer using points for travel. American Express offers good value when you redeem points for flights or hotels. However, you can also use points for online purchases.

The more you spend, the more points you earn. American Express often has bonus offers. I signed up for one that gave me extra points for dining out. I earned double points at my favorite restaurant. This helps you earn points faster. Some cards give extra points in certain categories like gas, groceries, or travel. It's important to know which card fits your spending habits. For example, if you travel a lot, the Platinum Card might be best for earning points on flights and hotels.

Redeeming points is simple. You can log in to your account and see your balance. Then, choose how you want to use them. I’ve used points to buy gift cards for holidays. It was fast and convenient. You can also transfer points to airline and hotel partners. This is great if you're planning a trip. Overall, the rewards program is flexible. Whether you want travel deals or shopping discounts, Membership Rewards has options. It's a good choice for people who spend often and like earning rewards.

[9jaboizgistworld-blog]

How Is Buy Now, Pay Later Different From Credit Card?

How is buy now, pay later different from credit card? Credit cards quickly became popular after their introduction in the late 1960s, increasing certainty about the inevitability of a shift to a cashless society. Fifty years later, there is still talk of the move to cashless technology, but the role of credit cards in this brave new world has become increasingly uncertain, with some saying that plastic (debit and credit cards) go the same way as the check and old school. Even before the pandemic, credit card growth slowed, with the annual growth rate of credit card loans declining by 5.5% between 2018 and 20201. Due to dissatisfaction with traditional banks' credit options, which came with high-interest rates, penalties, and hidden fees that have alienated the consumer. Faced with tighter restrictions, banks have also become increasingly reluctant to lend to those they consider to be at risk. Banks are now obligated to help customers with persistent debts pay off their balances, threatening their main source of income and reducing the incentive to offer credit cards to risky borrowers (a growing number of consumers due to lack of credit history and loan debt).

The COVID-19 pandemic: a driver of change

The pandemic has irrevocably changed the way people buy and pay for renewal, and credit systems are no different. Outstanding credit card balances have fallen by more than £14 billion to £41 billion between the start of the pandemic in February 2020 and June this year. The most optimistic estimates do not predict that credit card balances in the UK will return to 2019 levels before the end of 2023. Even though some commentators argue that this will decrease once consumers have used up their savings (after having reduced their ability to spend during the pandemic and opting to pay off existing debt), there is evidence that this indicates a change, more permanent behavior. † The use of debit cards has not shown the same sustained decline: the value of debit card transactions increased by 13.4% year-on-year in June 2021 and the number of transactions increased by 53%.

What Is Buy Now, Pay Later?

Buy now, pay later is a form of short-term financing. BNPL plans often do not charge interest or fees other than late fees for late payments. These installment loans are offered by various companies including: - Affirm - Afterpay - Klarna - Paypal - Zip (formerly quadpay) BNPL can be used at several major retailers, which vary from plan to plan. Some credit card companies, including American Express, also offer payment plans for eligible cardholders. Each Buy Now, Pay Later plan is unique to the carrier, but they generally have a few things in common. For example, BNPL loans typically require a down payment that represents a portion, such as 25%, of the purchase amount. After that, the remaining balance must be paid in installments over a few weeks or several months. Some BNPL services set the total number of payments at four, while others let borrowers select their payment schedule. Just over half of Americans (51%) used a buy now, pay later service at least once during the pandemic in 2020 or 2021. The most frequently purchased items included clothing, furniture, appliances, electronics, household items, and cosmetics. On average, as of April 2021, buy now, pay later, buyers had $883 in debt with one or more of these payment plans.

How Does Buy Now, Pay Later Work?

“Buy Now Pay Later (BNPL) allows customers to spread the cost of their purchases (ranging from a top £20 to expensive furniture) over three to seven interest-free payments over several months. Despite the similarity of these loans to traditional point of sale financing, the convenience and growing ubiquity of BNPL (in the UK you can use BNPL to do your shopping), along with the new generation of branding and marketing, has made BNPL popular and fast. Another advantage is that most schemes are free for consumers. Instead of the consumer paying interest to get credit, the retailers themselves pay a fee for each transaction. While this may not sound like a great deal to retailers, "buy now, pay later" can lead to a 20-30% increase in sales and a 10-15% decrease in cart abandonment, encouraging consumers to make more expensive purchases, order more items and reduce purchase decision times6. Britons spent at least £2.7bn through BNPL in 2020, almost four times more than in 2019. By 2026, Brits are expected to spend nearly £40bn a year through this method. More interestingly, it's not just young consumers: While adoption of digital options, e.g., digital wallets, has been notoriously slow among older generations, Klarna's fastest-growing user base is between the ages of 40 and 50. BNPL was identified by the FCA in its recent investigative report as an affordable alternative to other forms of credit, particularly for consumers who find it difficult to meet the credit card requirements of strong credit history. As BNPL has grown stronger, the need for regulation has become clear. The Financial Conduct Authority (FCA) plans to begin consultations on new rules next year; it is expected to have a significant impact by making the schemes more secure and giving them the seriousness of a formally recognized and regulated institution. BNPL's main pain point is also addressed: schedules associated with a store rather than a customer. The FCA notes in its report that many consumers find it difficult to keep track of their debts with multiple providers. PayZilch and Klarna are now offering their customers virtual cards, allowing them to use BNPL in any store that accepts mobile payments, a trend commercial banks are following as they try to keep up with the change. Ignoring the trend is no longer an option, as a July Mckinsey report found that US banks, which were slow to respond to BNPL's demand, had lost $8-10 billion in annual revenue to fintech BNPL providers. With HSBC and Natwest, existing cardholders can now create structured payment plans for individual purchases at a much lower cost than their credit cards. Emerging banks such as Monzo and Revolut have announced similar schemes, with no interest on purchases paid within two months and with the addition of pre-approved credit limits like traditional credit cards. Linking credit to the consumer, rather than to the business, has the added benefit of avoiding conflicts of interest that can arise if retailers pressure the BNPL schemes they partner with to approve more loans to make the sales increase.

Credit Card Reform

An overhaul of the credit system could mean offering a wider selection of credit options to consumers, from both start-ups and traditional banks. Transparent terms, lower interest rates, and fewer hidden costs would encourage competition and innovation and encourage consumers to deter debt and interest rates that are perceived as exorbitantly high. New technology, such as Zopa's, which weighs the creditworthiness of consumers with limited credit histories from traditional reference bureaus, including those applying for loans through BNPL, offers more opportunities for people to benefit from using the credit. The current consensus is that it's best to be careful with credit cards; their place in the future of payments is not guaranteed and seems less and less likely.

How Is Buy Now, Pay Later Different From Credit Card?

Just like buy now, pay loans later, credit cards can be used at retailers. But they can also be used to buy gasoline, pay utility bills, and accommodate other types of expenses. If the cardholder pays his balance in full each month, he will not owe any interest. Otherwise, interest is accrued on your balance at the annual interest rate (APR) of the card. Credit cards can also charge fees, including: - An annual fee - Balance transfer fee - Cash advance costs - Foreign transaction costs - Late fees A credit card is an example of revolving credit. With this type of credit arrangement, you have a fixed credit limit against which you can borrow. If you make purchases with a credit card, your available credit will be reduced by that amount. When you make a payment, your available credit is released.

Buy Now, Pay Later vs. Credit Cards: Which Is Better?

Buy now, pay later plans, and credit cards are options to consider when shopping online or in stores. But each has some pros and cons. Benefits Of Buy Now, Pay Later - Convenience: Apply online and get approved almost instantly - Get approved without a hard credit check, which can lower your credit score - Pay for purchases in installments, usually with no interest charges - Choose a payment frequency that suits your budget (with some BNPL providers) Disadvantages Of Buy Now, Pay Later - Since you don't have to pay the full amount right away, it's easy to overspend - Payment plans are not always interest-free - Skipping a payment or being late with payment can hurt your credit score - Not all retailers accept buy now, pay later Advantages of credit cards - Can be used in a wider range of retailers and for other purposes - Pay for overtime purchases at your own pace, with no fixed installments - Potential to earn discounts, miles, or points on purchases - The cards can provide other benefits such as travel insurance and car rental. Disadvantages of credit cards - Interest charges can add up quickly if you keep a balance from month to month - A hard credit check is usually required to qualify - Late payments can be bad for your credit score - Credit cards can charge numerous fees, adding to your total cost

How To Choose the Right Buy Now, Pay Later Plan

When comparing Buy Now, Pay Later plans, keep the following in mind: - Which retailers accept it? - Requirements for the first deposit - Number of required installments - Any interest costs - Fees, if applicable - Restrictions or exclusions on purchases - Credit check requirements - Shipping policy - Refund & return policy Also consider how a buy now, pay later arrangement can affect your creditworthiness. While many BNPL companies only perform a soft credit check to approve buyer loans, your credit score can still make a dent if you're late in paying and the company reports it to a credit bureau.

FAQ

What is buy now and pay later? Buy Now Pay Later plans do exactly what they say: you get the chance to buy something without having to pay for it later. Also known as point of sale credit, some schemes give you 30 days to pay, while others allow up to 12 months. How much does it cost to buy now and pay later? In general, you will not pay any interest if you return the price of what you purchased within the delay period. These periods are usually interest-free. If you buy now, pay carefully later, you can put off paying for something for several months or even a year and not pay a cent in interest. Many of the big companies won't charge you interest if you pay off your balance before the delay period ends, even if you don't pay until the day before. Alternatively, some offers allow you to spread the cost over a longer period but may charge a high-interest rate, e.g. 39.9% APR. Don't miss a payment Because of the way Buy Now, Pay Later works, it can quickly become expensive if you don't make your payments on time. If you don't pay off your debt before the delay period ends, some providers will charge you an interchange fee or a lump sum of interest may be added to the debt. In addition, late fees may also be charged. Late payments can also show up on your credit report and affect your credit score. So be sure to set up calendar alerts and reminders to make sure you pay off debt before interest is added. Does Buy Now Pay Later Affect Credit Scores? Buying now, paying wisely later, and paying your money back on time can improve your score. That's because when you use credit responsibly, you show lenders that you are a trustworthy borrower. But if you're behind on agreed payments, it'll show up on your credit report for at least six years. This can lower your credit score and may affect future loan, credit, or mortgage applications. Why wasn't I eligible to buy now and pay later? Because of the way Buy Now, Pay Later works, it's a form of credit: the price of the item is lent to you. That means buy now, pay later, and providers can check your credit score before deciding whether to approve your application. If you have a bad credit score, you may be refused purchase now and credit later. Learn more with our guide to why companies are rejecting credit applications. It's worth checking your credit score before applying to buy now, pay later to see if there are any issues you can fix to improve your score. What are the alternatives to buy now and pay later? Used correctly, buy now and pay later can be a convenient way to purchase an item without having to part with your money for a while. But there are other ways you can do this. For example, you can apply for a credit card with an interest-free offer for purchases and spread the cost of paying for items over several years without paying a penny of interest. The advantage of a credit card over buy now and pay later is that it can be used in most stores, so you can spread the cost of several items instead of just one. https://www.youtube.com/watch?v=a4NZWhgNdN0

Conclusion - Buy Now, Pay Later vs. Credit Cards: Which Is Better?

Buy now, pay later plans can make it easier to buy things online or in stores and pay relatively quickly, often with no interest charges. These point-of-sale installment loans may be especially suitable for people who have had trouble getting approved for a traditional credit card, either because of a low credit score or bad credit history. Like credit cards, BNPL loans must be repaid promptly to avoid possible damage to your creditworthiness. And it's still helpful to have at least one credit card to use in situations where buy now, pay later doesn't apply. For example, you may need a credit card to book flights or rent a car. Finally, if you want more information on the best credit card guides, make sure to always check the Best Credit Cards Guide. Read the full article

[catherinefblog]

How Can You Maximize Your Membership Rewards with American Express?

American Express Membership Rewards are valuable. But how do you get the most out of them? Many cardholders collect points but don’t use them smartly. To maximize rewards, you need a plan. Every dollar you spend can be worth more. You can redeem points for travel, shopping, or even gift cards. Let’s explore some tips to stretch your rewards further.

One way to maximize your rewards is to transfer points. American Express lets you transfer points to airline and hotel partners. This is often the best value. For example, a cardholder transferred points to a frequent flyer program. They got a first-class ticket worth thousands, using far fewer points than if they had booked directly. Transfer bonuses also pop up, boosting the value even more.

Another tip is to focus on earning categories. Some American Express cards offer extra points for certain purchases. This could be dining, travel, or groceries. By using your card for these expenses, you earn more points quickly. One family used their card for all dining out. Over time, they collected enough points to cover a big vacation. Knowing where you can earn the most helps you build your points balance faster.