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Forum: Bank Accounts & Internet Banking 08-17-2010, 04:03 AM
Replies: 6
Views: 4,856
Posted By davidbkeegan
Paper checks are too easy to replicate and are...

Paper checks are too easy to replicate and are more vulnerable to fraud
Forum: Bank Accounts & Internet Banking 08-16-2010, 09:57 PM
Replies: 13
Views: 6,072
Posted By davidbkeegan
Overdraft fees can be over the top, but in the...

Overdraft fees can be over the top, but in the end, it is your responsibility to avoid them. Be sure to watch your accounts carefully and if you think you don't have enough money for something, just...
Forum: Bank Accounts & Internet Banking 08-16-2010, 09:55 PM
Replies: 20
Views: 11,676
Posted By davidbkeegan
sms banking is very convenient for when you need...

sms banking is very convenient for when you need your balance right then and there. There are also new apps for smartphones that can help you find out your balance,pay your bills, and even transfer...
Forum: Merchant Accounts 08-16-2010, 09:51 PM
Replies: 6
Views: 3,273
Posted By davidbkeegan
You can count on the discount rate and...

You can count on the discount rate and transaction fee from anyone. Those two may be combined, but they are two fees you cannot escape
Forum: Online Fraud 08-16-2010, 09:47 PM
Replies: 42
Views: 27,163
Posted By davidbkeegan
Always look to make sure the website is SSL...

Always look to make sure the website is SSL certified, you can look for the verisign logo, or look in the address bar. If it is green, it's secure!
Forum: Fraud Detection & Prevention 08-16-2010, 09:44 PM
Replies: 9
Views: 8,451
Posted By davidbkeegan
Also, the verisign logo is a good indication of a...

Also, the verisign logo is a good indication of a secure sight. Most websites have to go through verisign to get their SSL certificate
Forum: ChargeBack & Refunds 08-16-2010, 09:42 PM
Replies: 16
Views: 41,981
Posted By davidbkeegan
I agree, refunds are usually done between...

I agree, refunds are usually done between merchant and customer, while a chargeback is a long process done through the customer's bank. Chargebacks cost the merchant a lot more money if it goes...
Forum: Credit Card Fraud 08-16-2010, 09:38 PM
Replies: 10
Views: 11,844
Posted By davidbkeegan
I think you're on the right track keeping two...

I think you're on the right track keeping two cards after you pay them all off. In addition, keeping the asda card, buying whatever you need that month, and then immediately paying it off may raise...
Forum: Credit Cards 08-16-2010, 09:35 PM
Replies: 4
Views: 3,364
Posted By davidbkeegan
Filing for bankruptcy will hurt you down the...

Filing for bankruptcy will hurt you down the line. If you need a loan for anything (a car, house, etc..) the fact that you once filed for bankruptcy will hurt your chances because it shows the...
Forum: Credit Cards 08-16-2010, 09:29 PM
Replies: 29
Views: 11,124
Posted By davidbkeegan
Usually two is the max you should own. Remember,...

Usually two is the max you should own. Remember, the amount of revolving credit accounts you have open affects your credit score. That usually means that even though all your cards have no balance,...
Forum: General Payment Processing 08-16-2010, 09:23 PM
Replies: 42
Views: 15,044
Posted By davidbkeegan
transaction fees for phone orders are usually...

transaction fees for phone orders are usually higher because, as everyone has said, fraud risks are higher. Many companies provide the service, but just beware of higher rates and risks
Forum: General Payment Processing 08-16-2010, 09:19 PM
Replies: 9
Views: 3,611
Posted By davidbkeegan
I've never heard of regnow, but I don't trust...

I've never heard of regnow, but I don't trust paypal. They're screening services are flawed and you run the risk of being scammed
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