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Date: Sun, 10 May 2015 06:03:15 GMT
Man arrested using fraudulent credit cards to buy jewelry
A man attempting to purchase thousands of dollars worth of jewelry at the Governors Square Mall with fraudulent credit cards from California, Washington and Florida was arrested Thursday.
Cincinnatis streetcar is not expected to make as much money as previously projected – and city taxpayers may have to bear a bigger burden to run the system.
The streetcars annual operating deficit could grow by nearly $600,000, according to an Enquirer analysis of new and previous revenue estimates. That does not mean the overall operating costs will increase, but new revenue estimates unveiled Tuesday could put more pressure on City Council to stay within its projected budget.
That is a far jump down, Councilwoman Yvette Simpson said of the new estimates, which were released by SORTA.
Apple Pay will have support from all of the major US credit card companies as of this fall, when Discover begins allowing its cardholders to use the new mobile payments service. The servicelaunched in October with support from Visa, MasterCard, and American Express, while Discover remained conspicuously absent. Since then, Apple has continued to add banking partners so that more people can use Apple Pay, and todays announcement should open the service up to yet a larger market. Its not clear why it took Discover so long to sign on. Though Apple supposedly receives a small cut of every purchase, Apples mobile payments service is one of the few that isnt trying to cut out credit cards altogether, so its generally been seen as beneficial for credit card companies to sign on.
Credit cards: 3 you can close, 1 you shouldnt
Closing unused credit card accounts may sound like a good idea, but it could hurt your credit score because of increased utilization and, eventually, shorter credit history.
NEW YORK (MainStreet) – If a recession couldnt get Americans to clean up their credit, maybe a few perks will.
The Federal Reserve Bank of New York notes that credit card debt increased by $17 billion last year, to $700 billion. The Federal Reserve, meanwhile, put total revolving debt at $887.9 billion in January. The average credit card debt per person can range from $1,098 for those with cards that dont carry a balance to $7,743 for those who hold cards that do. TransUnion puts the national average in the middle at $5,234 per person, which is still less than the pre-recession high of $6,276 in 2008.
Cardholders are only starting to get the message about managing their credit. The percentage of US households with credit cards carrying revolving debt has decreased from 44% in 2009 to just 34% today, according to the National Foundation For Credit Counseling. But credit agency Experian notes that the average debt on credit cards still sits at more than $4,400, which is eating up roughly 30% of the limit on those cards. Thats the exact percentage at which financial advisors warn clients that their debt isnt building their credit score, but crippling it. In a nation where credit scores drift between 330 and 830, the national average is 666. Thats not horrendous, but it isnt great if youre looking for the best rates on mortgages, car loans or even credit cards.
Getting a credit card shouldnt be as hard as applying for a mortgage. Many credit card applicants are looking for products that offer instant approvals, so that they know where they stand and can look forward to receiving their new card. It also feels good to be immediately approved.
There are three types of cards that offer instant approvals. The first are prepaid debit cards that will approve all applicants once their identity is confirmed. These are not credit cards, so customers cannot incur debt, but neither will they have a payment history that will be reported to the consumer credit bureaus. With these products, cardholders must load funds first, which then become available for purchases, anywhere credit or debit cards are accepted.
The next type of card is a secured card, which typically offers instant approval to applicants who can both prove their identities and have discharged any bankruptcies. Once approved, customers must pay a security deposit which then becomes the cardholders line of credit. Otherwise, these cards work much like standard, unsecured credit cards. Cardholders receive a monthly statement and must make a minimum payment. They will also be charged interest if they choose to carry a balance. Having a secured credit card also allows cardholders to more easily rent a car or reserve a hotel room.
Finally, many standard credit cards will offer instant approval after an online application. And when there is no immediate decision offered, applicants always have the option of calling the credit card issuer to receive an instant decision over the phone. In most cases, customers will be presented with a number to call anytime an application is submitted and there is no immediate decision.
Here are some of our top, instant approval cards:
Capital One Secured MasterCard
The Capital One Secured MasterCard is one of the leading secured cards from a major card issuer. New cardholders must pay a refundable security deposit of $49, $99, or $200 depending on their credit worthiness in order to receive a credit line of $200 – $3,000. This is in contrast to most other secured cards that will not extend a credit limit beyond the security deposit itself.
Cardholders are also offered use of Capital Ones Credit Tracker app, which allows them to monitor their credit scores and to examine what would happen under different possible scenarios. Cardholders also enjoy all the travel insurance and purchase protection benefits offered though a MasterCard from a major card issuer. And unlike most secured cards, there is no annual fee, and no foreign transaction fees imposed on charges processed outside of the United States.
Milestone Gold MasterCard
The Milestone Gold MasterCard offers a pre-qualifying feature to determine if applicants are eligible, followed by a quick decision making process. Best of all, the pre-qualification has no impact on your credit score. This card is an entry-level, standard credit card, which is designed for those who are rebuilding their credit, but prefer to avoid having to make a deposit required by a secured card. It has an annual fee of between $35 and $99, depending on the applicants credit profile. This card has a 25-day grace period after each statement cycle during which cardholders can make full payment of their statement balance in order to avoid interest charges. In addition, this card has a reduced 1% foreign transaction fee, as opposed to many cards 3% fee.
Rush Prepaid Visa Card
Created by recording industry mogul Russell Simmons, the Rush Prepaid Visa card is a prepaid debit card, not a credit card. This allows you to enjoy much of the convenience and security of a credit card, without worrying about debt. There is a one-time fee of between $3.95 and $9.95 when you make your first money load money onto you card, then you have your choice of two different fee plans. The Pay As You Go Plan doesnt have a monthly fee, although there is a $1 fee per transaction, with a maximum of $10 each month. Alternatively, the Unlimited Plan has a monthly fee of $5.95 with direct deposit, and a $7.95 without. This plan has no transaction fees, and there are no ATM withdrawal fees for either plan when making a withdrawal from a machine that is in-network.
Ready Visa Prepaid Debit Card
With the Ready Visa Prepaid Debit card, anyone can apply with any credit history, and receive instant approval. Funds can then be loaded by direct deposit, Green Dot reloads and MoneyPaks, as well as the Visa ReadyLink network. In addition, money can be added by direct transfers from a checking or savings account, or by transfers from other Ready debit cards. Once loaded, the funds can be used anywhere that Visa cards are accepted. Other features include free credit monitoring, online bill payment, and mobile banking.
Customers have the option three different fee structures that vary in monthly fees and transaction fees. For instance, the Control plan features no monthly fees but charges $1 per transaction, and the Select plan has a $9.95 monthly fee and no transaction charges for purchases.
First Progress Platinum Select MasterCard Secured Credit Card
The First Progress Platinum Select MasterCard Secured Card offers a quick online application and a new expedited processing option. Applicants have no credit history or minimum credit score required for approval, and receive a full featured MasterCard. Payments are reported monthly to all three major consumer credit bureaus to help you establish your credit history. As a secured card, your credit line secured by a fully-refundable deposit of between $300 and $2,000 which is submitted with your application. You can receive your deposit back at any time just by paying off your balance. There is an annual fee of $39 with this card.
One of the two women who went on a shopping spree after stealing credit cards from a North Side school earlier this month was charged Monday after tips helped police identify her.
Kizzie Cunningham, 37, was arrested Sunday afternoon after police received several tips from the public after releasing a surveillance photo of her at a Jewel located at 2940 N. Ashland about three weeks ago, according to a statement from Chicago Police.
Cunningham and another woman-who remains at large-pretended they were enrolling a child at Audubon School at 3500 N. Hoyne on April 1, police said. During the visit, they went inside two classrooms and stole teachers’ wallets, police said.
The pair then bought $145 worth of items from the Jewel using credit cards from the wallets. They also went on a shopping spree at other area stores, police said.
Cunningham, of the 600 block of North Pine, was scheduled to appear in bond court Monday. She was charged with one count each of felony burglary and felony burglary from a school, police said.
Detectives still need help finding the other suspect.
She is described black woman in her 40s, about 5-foot-6 and 180-200 pounds with long brown hair, police said. She is known to go by the name Dawn.
Anyone with information should call Area North detectives at (312) 744-8263.
Global revenue from music downloads and subscriptions has overtaken sales of physical formats for the first time. In 2014, digital revenue grew nearly 7 percent to $6.85 billion, while physical sales — of which CDs make up the vast majority — fell 8 percent to $6.82 billion. These figures, from a report from theInternational Federation of the Phonographic Industry (IFPI), also reflect the growing popularity of digital music streaming, with revenue from services like Spotify growing 40 percent to $1.57 billion.
downloads still account for 52% of digital revenue
Police in Pomona were searching Wednesday for a woman wanted for grand theft and residential burglary.
The unidentified woman was spotted on a surveillance camera at a Target store where she used stolen credit cards to make large purchases, according to a news release from the Pomona Police Department.
The woman is described as white or Hispanic, between 25 and 35 years old, about 5 foot 6 inches tall and weighing an estimated 200 pounds, police said.
Based on one of the surveillance photos, she appeared to have a tattoo on her upper back.
Anyone who recognizes the woman was urged to cal police at 909-620-2085.