5 Key Points to Protect Your Credit Card Payments

It’s not just about defense – being proactive about your account’s security can reduce the potential for problems before they happen. Safeguarding your credit cards often comes down to common sense. These credit card safety tips offer simple ways you can work to help keep your accounts secure. Here five key points to protect your credit card payments.

1.      Keep your account number private

Don’t let anyone see your card when you are out in public. Be selective when giving your account number over the phone; only offer it when you initiated the call and you’re talking to a bank or merchant you trust. Be careful of messages you receive over email, text, phone or social media, asking you to give personal information or click an unsecure link.

2.      Be careful with your receipts

If there is extra space on your receipt, draw a line through it so no one can write in any additional numbers. It is also a good idea to check your receipts against your account to spot potentially fraudulent transactions fast. Finally, don’t just throw out any duplicates or old receipts. Shared the ones you don’t need and securely file the rest.

3.      Secure your devices and networks

If you allow your browser to store your credit card number, you could be vulnerable. To prevent this, consider turning off the Auto fill function in each browser that you use. By this you can secure your devices and networks from fraudulent transactions.

4.      Check your account often

Reviewing your recent account activity is fundamental to credit card safety and it’s easy to do. You can do it using the mobile payment app, online or over the phone. Most card issuers also let you set up email or text alerts to inform you and your issuer about unusual activity. If you have been a victim of fraud or identity theft in the past, consider signing up with a credit-monitoring service.

5.      Report lost cards and suspected fraud right away

If you lose your credit card or suspect fraudulent activity, contact your bank or credit card issuer immediately. They can block your card and account number so no one else can use them and provide with a new card and account number.It is advisable to follow the above five key points to protect your online bank transfer using credit card.

Why Do Most People Get Late On Credit Card Payments?

People pay their credit card payment on the last day, if you miss a credit card payment by 10 to 30 days, the card issuer will probably charge a late fee then more interest will add on the balance. To solve the problem entirely, we need to analyse the reason why it happens in the first place. Here are four reasons why people get late on credit card payments,

1. Overspending:

A lot of people use their credit cards recklessly and do not think wisely about how they are going to repay the amount they are spending. When you overspend, it is obvious that you will get late on your credit card bill payment. So it is recommended to spend only what you can afford to pay off right now

2.  Delays beyond our control:

This is not the most common cause of people falling behind on their credit card repayment but it still holds up. Sometimes, the repayments are dependent on the production of bills and also the purchase you made for your office whose reimbursement is pending.

3.  Waiting until the last day:

Nowadays, many people move to wait until the last date to do things like credit card repayments. If you make it before the last due day, it will be well and good. Some people delay the payment till the last day to make the most of the interest-free period and then they forget completing their credit card repayment.

4. Confusion:

As humans, we make mistakes every day. Some are tiny like forgetting your credit card repayment date. Multiple credit cards may also confuse you about the card bill due dates. Alert yourself by using an app like Snapay.

To pay your credit card bill on time, it is recommended to use our mobile payment app – Snapay. Also, you can use our website https://snapay.in/.

Being in the digital world we are focusing people to do digital payments with trustable apps like snapay. Snapay is the best platform for credit card users through which we can pay the amount directly from credit card to any bank account.

4 Tips to Make Your Online Credit Card Purchases Safe

The internet seems to be a scary place. Just like the world, it’s filled with malice, deceit and other people looking to form a quick buck. But unlike the important world, criminals can run their operations from security and unusual features. There are people out there expecting you to enter your credit card information into false and insecure payment forms. Don’t fall victim to their schemes. Believe it or not, it’s relatively easy to protect yourself against many online scams. As long as you’re taking a couple of simple precautions, you’ll help avoid attacks from most fraudsters. Here are four basic tips for making your online credit card purchases safe.

1. Use credit, not debit

The first rule for protecting your payments safe is to always use an online card payment method. They are available with better consumer protections against fraud. Many cards even have zero-liability policies, so you’re even better protected. Debit cards aren’t quite as comprehensive, and counting on once you report the cardboard missing, you’ll get on the hook for the whole amount. If you’ve got doubts about a few transactions, you’ll even use a one-time use credit card to get a random card number linked to your actual account. This may make it harder for criminals to steal information.

2. Don’t shop in public

Avoid purchasing with online transactions publicly, websites often save login information, and you don’t want to accidentally leave your accounts open for subsequent one that hops on the pc. It will make an advantage for hackers to put in key logger information to record your card details. Which will give them your usernames, passwords, card numbers, and private information? Using your laptop or tablet was still not safe. An honest hacker can collect your information using the general public Wi-Fi. Only shop online from your computer with a personal Wi-Fi connection. If you tend to form transactions publicly, consider getting a VPN.

3. Never give out your privacy

You never got to give out your Bank Security number to form an easy purchase. Don’t roll in it. If an internet site seems to be posing for more information rather than normal, leave immediately and don’t look back.

4. Try something besides ‘password’

A strong password is essential. You should always have a mix of numbers, alphanumeric and letters, both uppercase and lowercase characters and at least one symbol like # or &. Don’t use such words like your name or birthday, etc. Make it unique and don’t use the same password for multiple accounts. If someone finds out one of your passwords, you don’t want them to have instant access to everything.

Online Credit Card Purchases is safer & more secure using Snapay mobile App. In this, Payments made to any Merchants through Secure Pay & once the product gets delivered, it will be released to the Merchant Account.

Snapay Online Money Transfer from Credit Card to Bank Account

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Benefits of Paying Credit Card Bills Online

One essential aspect to remember while using credit cards is to clear the outstanding dues on time. Paying your credit card bill monthly are often a touch of an ordeal if you’re wont to carrying bundles of money and waiting in line at the bank on a weekend. By paying your credit card bill online, you get more advantages of having your funds credited to your card in a short time duration. Since the funds get credited to your card immediately, you don’t run the risk of delaying payments, then here are some of the benefits of online credit card bill payments,

1. Saves Time and Effort:

Paying your credit card bill online is fast, simple and pleasant. It saves tons of your time which you would’ve otherwise spent on visiting the bank or ATM.

2. Convenience and Comfort:

Online payments can also be done from your own home or office as your comfort. You can also make payments through your mobile, tab or computer from anywhere around the world.

3. Safe and Secure:

Online Banking is secure with the UPI PIN or other ways of authenticating your identity. Banks provide safety features that ensure your privacy and identity are protected with secure SSL technology. It also eliminates the risk of losing money or information in the mail or anywhere else.

4. Easy Records:

When you use online bill payment facilities, it records every detail instantly and also available for your review anytime as you need. All your information is automatically organized and available in one place with a short time. This will make it convenient when you’re budgeting and filing taxes.

5. More Control:

You can choose to pay the minimum due, the full amount or any basic amount that you desire when you pay your credit card bill online. You can change your choice with each bill payment.

6. Eco-Friendly:

Making payments online will save time, paper, cheques, envelopes, stamps, and receipts. It also eliminates noise when you receive all your payment statements and receipts electronically.

By using Snapay credit card bill payment services you will get all the above benefits of paying your online bills.

6 Steps to Take If Your Credit Card Has Been Hacked

As mobile credit card payments become conventional, you can expect digital pick pocketing to increases day by day. Already there is an Android app that allows thieves to wirelessly steal mobile payment or card information just by standing near a person who has credit card information stored on their phone. Here are six steps you can take to avoid identity theft.

1. Use Your Card Wisely

One of the most important things you can do is to only use your credit cards on trusted sites. This will not guarantee you that something will happen or not, but it may lower your risk. Before you enter your card information on another website, always be sure that the site is secured or not. Although this has become second nature for many people, this is still something you should do regularly.

2. Monitor Your Accounts

Banks and credit card companies give you a window to report fraudulent activity on your account while unknown transactions. If you do not report it immediately within the time frame, then you will be responsible for the charge.

3. Check Your Credit Report

Check your credit report daily because hackers will use the information they have stolen to steal your identity. This means that fraudulent activity will not show up on your current accounts activity. Instead, they will open new accounts under your name and other details. If you monitor your credit report regularly, you can catch this activity and also helps to avoid fraud payments.

4. Report Fraudulent Activity

When you find fraud credit card activity, either with an account or your credit report, you need to dispute the item. You will need to contact the bank involved and tell them there has been fraudulent activity on your bank account.

5. Where to Avoid Using Your Credit Card

You can also do your part to avoid compromising your credit card information by thinking before you swipe.

6. Sign Up for Credit Monitoring Services

Nowadays, credit card companies will offer credit card activity monitoring services to check the payment details. Some insurance agencies will also offer something similar or identity theft insurance. This can be expensive, and you need to make sure you clearly understand exactly what you are paying for before you sign up.

Finally, it is recommended to monitor your credit report to make sure that your identity was not stolen and follow the above six steps to avoid unusual or fraudulent credit card payments using your bank account.

4 Simple Ways to Choose Credit Card Processor

Choosing any new vendor for your business may be a big decision. Selecting a credit card processor somehow looks like a good bigger choice – you are trusting them to handle the cash that keeps your business running every single day. You want to form a sensible decision, but you can’t do this if you don’t know what to seem for. Here are four simple ways to choose a credit card processor that is right for you.

1. Shop Around

The most important fact is don’t be afraid to match several processors. You will meet some salespeople who want you to pressure into signing the deal of the century before you’ve even had an opportunity to believe it properly. The planet isn’t getting to run out of card processing power while you are doing your research. That very same pushy salesperson will still be there during a month with their deal of the century if you oppose that’s the simplest option for your business. Don’t sign any paperwork unless you are feeling confident that you are making an informed decision.

2. Remember That Service Matters

Of course, you would like to save lots of the maximum amount of money as possible for your business, but that shouldn’t be your only motivating factor when choosing a credit card processor. Your skills not much good service matters until your card goes stop working properly on a busy afternoon otherwise you only need help responding to a chargeback. A card processor who offers the lowest pricing but disappears as soon because the deal isn’t getting to be the simplest within the end of the day for your business. Before you select the card processor, it is recommended to confirm you are doing some research on customer service.

3. Read the Fine Print

Credit card processors deal with complicated contracts that make you feel bad while watching them. As dry and boring as there, read every sentence of these terms and conditions before you check in the line. Alongside hidden junk fees, you would possibly find some truly scary clauses concerning things like minimum volume requirements or systematic rate increases. Be happy to ask questions on anything you don’t fully understand. A processor who isn’t willing to guide you through the contractor who tries to rush you into signing something you haven’t read isn’t one you would like to try to business with.

4. Finding the Perfect Processor

If having to settle on a card processor who meets all of those criteria seems very strong, we understand! There are tons to think about when choosing a payment partner. We will assist you together with your decision-making process.

6 Awesome Tips for Best Credit Card Management

Initially, if you get a credit card, it would be tempting yourself to rush out and spend it for purchases. Credit cards seem to be trending and convenient option to pay for the purchase you do, the way of convenience can help you make purchases that you want otherwise you should able to afford with ready cash, which we can’t able to carry always in hands. Here are some tips to avoid ready cash in purchases and managing credit card and its responsibility:

1. Keep track of your spending amount

It can be very easy to rack up more debt on your credit card to avoid afford with repaying, so it is important to stay in control. The best way to do this is to keep track of your spending amount and check your credit card pay statement regularly.

2. Pay your credit card bill on time

When you get your credit card payment statement, check the date of your card due, and make sure you are ready to pay on time. This will help you to avoid extra interest charges or late payment fees. To make it easier to be assured to pay your bill on time, consider setting up a direct debit to pay a fixed amount off the balance owing each payday. Just make sure these payments cover at least the minimum monthly payment due on the credit card.

3. Maximize your credit card repayments

If you only make the minimum repayments on your credit card each month, you will be paying a lot of interest and it could take years to pay off your credit card debt. If you are struggling to pay more than the minimum monthly repayment, consider switching to a card with a lower interest rate, and pay off more when you can. If you switch, make sure to close the old credit card account so that you don’t wind up with more debt.

4. Set a sensible credit limit

Your credit limit should be the amount that you know that you can able to repay, and once that won’t tempt you to spend more than you can afford. The following methods will help you to set a sensible credit limit to lower your limit back to a more manageable amount.

• Reducing your credit limit

• Invitations to increase your credit limit

• You can ask your card issuer to increase your credit limit at any time.

5. Check your credit card statement

The best way is to check your monthly pay statement is to keep all of your credit card receipts each month. This will help you to check the charged amount for the things you bought. Even if you don’t keep your receipts, here are some tips you should look for when you are checking your credit card statement:

• Charges by companies you do not recognize

• unusual charges

• Changes in direct debit amounts

• Duplicate charges

If you didn’t make any transactions, contact your credit card provider immediately, as they may be able to reverse the transaction. Also, you can check for an unauthorized and mistaken transaction for more details.

6. Close your credit card properly

Instead of just cutting up the credit card, there are more ways for closing the credit card account, Before you are closing your credit card make sure to check the following steps,

• Pay off any remaining balance

• Redeem any rewards

• Call your bank

• Send a cancellation letter

• Check your credit report

• Destroy your old card

Finally, it is recommended to take charge of your credit card and make sure you only pay for the expenses you have authorized.

How Do I Choose The Method of Credit Card Bill Payment?

The credit card payment method is one of the most useful financial tools in today’s world. There are a wide variety of credit cards to suit our needs, they also offer different modes of credit card bill payments so that the customer finds it easy to pay his or her credit card bills. With the rise of online and digital banking, there are several ways you can make online credit card payments. For people who are not yet used to online banking, banks also offer offline methods to pay credit card bills. With this, there are many mobile Apps available to transfer money from credit cards to any bank accounts and so on. Here some of the credit card bill payment methods are explained,

1. Cash Payments

It is the simplest way to make a credit card payment is by cash over the counter. The money transferred within the same business day to your credit card. One of the best option to use if you need to make a payment which is to be credited on the same day.

2. Cheque Payments

When compared with cash payment, it is one of the easiest ways to make your credit card payments simple. All you need to do is to put in your card number in the payee name and enter the other details such as date, the amount before signing it. It is recommended to check the cheque account payee before you put it in the drop box. Paying credit card bills by cheque usually takes 2-5 business days to be processed and if you are using a third party drop box vendor to drop your cheque, it makes sense to put it in at least 3-6 days before the due date so you do not miss any online card payments.

3. Bank Accounts

This method is one of the most convenient ways to pay off your credit card bills. All you need to do is log in to your account, enter the card details such as issuing bank name, IFSC code, etc. and make the payment. Once this is done, you can transfer money to the card using a bank account.

4. Visa or MasterCard Money Transfer Send

In this method, Visa and MasterCard offer payment options on their sites to pay their respective brands of cards. All you need to do is enter your card details, put in the money you have to pay, and enter your bank account details to make the online payment. If you need to check bank branch codes, you can simply call up the customer care service of your card issuing bank. Card payments made through Visa or MasterCard are usually processed within two days.

5. Mobile App Payments

Banks and credit card companies have come up with apps that allow you to transfer money from your credit card to any bank accounts. All you need to do is to enter the bank account details and the mobile app will transfer the money. To transfer an unlimited amount from your credit card to bank account just try the Snapay – credit card payment mobile App which is used to transfer money with limited charges. To know the charge details, visit https://snapay.in/charges

Snapay, a complete credit card payment solution, giving you the power to pay in just One Click. With Snapay, you can transfer money from credit card to any bank accounts, you can request money to your friends, and also make an online secure payment. You can also send unlimited money to any Bank Account using Snapay App/website and enjoy the most convenient and secure way of payment.