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Consumers beware; the United States officially has the highest rate of credit card fraud in the world — a staggering 47 percent of all cases occurred in the United States.

In 2010, 3.56 billion in payment card fraud losses reported in the United States alone, with another 4.04 billion lost world wide, up more than 10 percent from 2009. The United States counts for 27 percent of the worldwide purchases, but nearly half of all credit card fraud activity, which is explained by the fact that the United States have been last on board with new security measures that have gained popularity in the rest of the world.

Credit fraud can leave a huge mark on one’s credit report and getting the credit bureaus to remove the information can be a hassle, so it’s best to avoid fraud at all costs by frequently checking credit and bank accounts online and freezing a card once fraud is suspected.

Monitoring alone will not prevent fraud, only put it to a halt. To pr

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It’s an age-old question: Should I buy the extended warranty?

With few exceptions, consumer advocates say extended warranties typically are not worth the money. But what if you could double the free warranty coverage that comes with the product, at no additional cost and without the nerve-grating sales pitch?

The company FreeWarranty.com makes such a promise: It says it will double the original manufacturer’s warranty up to a year on anything consumers buy through their Web portal, which then ushers you through to the actual merchant’s site where the purchase is completed.

The extended warranty essentially covers whatever the original manufacturer’s contract covers (and it doesn’t cover accidental damage or normal wear). Tom Forrest, the founder and chief executive of the site, says the extension is similar to the ones provided by “premium credit cards but without the stringent acceptance criteria or high annual fees.”

Which raises a good point. Before you de

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With the expansion of the global marketplace, the interaction and reliability between the businesses of different countries is increasing. For an example – A wool manufacturing company of the Ireland may choose to outsource its customer-care department to India. Due to the huge number of customers and great market demand, there is a constant flow of the goods and services that are required to be created, ordered and paid for, in today’s world. Business reports or credit reports are important, in order to run this business process smoothly.

Credit reports for the businesses are very much vital, and they should be prepared accurately, in order to make proper business decisions. The Full Article…

Almost every credit card in Australia now features some kind of balance transfer incentive as a way of drawing in more customers.

Unfortunately not all of these credit cards will be right for people once the introductory rates have reverted and signup bonuses have ended.

That is why many people are starting to ask what cards are best for balance transfers, so to give you an idea of the different options available, here is a look at the best options in a range of different card categories.

Frequent Flyer Balance Transfer Card

Many of these cards will not accrue points while there is a debt so to really get the most out of a frequent flyer credit card it is important to clear balances as quickly as possible.

Choosing a card with lower rates is one way to do that, which is why Virgin’s High Flyer 12-month balance transfer offer of 2.99% stands out amongst these kinds of reward cards.

Balances carried after the first year, however, will be charged at the cash advance rate, currently 20.99% p.a., so this card may need to be compared to other options before a decision is made.

Low Interest Balance Transfer Card

There are always a number of low interest credit cards that have competitive balance transfer offers but despite similar rates, not all of them are equal.

Some of these cards will have balance transfer deals that revert to the cash advance rate, which could cause more debt for someone looking for ongoing low rates.

The card that really stands out in this category is the Aussie MasterCard, with 12-month introductory rates of 2.99% for balance transfers and 9.99% for purchases before both revert to 13.29%.

No Annual Fee Balance Transfer Card

When it comes to credit cards that offer no annual fee for the life of the card, most have ongoing rates of around 20% p.a. a

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For much of the last couple of years, most of us have paid little attention to the brewing financial problems of Europe, not because they weren’t that significant, but primarily because we have our own problems here at home. Although we are still neck deep in debt, deficit and recession worries, it’s becoming increasingly difficult to ignore the incessant headlines of the impending European debt crisis of the Eurozone, and the “contagion” of bank failures that some predict will soon reach our shores. Now that it has our attention, more of us are beginning to wonder what effect it might have on our own personal finances. With our

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Employers extending job offers usually make the offer conditional, based on the applicant passing a background check. Some companies require a credit check as a part of the background check. In those instances, information on the credit report could prompt the employer to withdraw the offer. There isnt a national standard on this, as each employer has its own rules for evaluating background checks, and not every employer checks credit.

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