Posts tagged with cards

The Prizewinning Difference Of Accessories For Your Places

June 21st, 2009

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June 16th, 2009

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The Best Home Decoration Website

April 17th, 2009

French online marketplace is available now to decorate your homes with classiness and charm to impart the feeling of beautiful neatness about you among your guests, the home décor material with antique accessories will bring you loads of applause and comfy feeling. Here you can find all essential accessories to grace your homes with elegance.

You can have Christmas décor, autumn décor, Bath décor, dining and entertaining, fall specials etc. Whereas, in category of home décor specials you can buy bins and containers, bookends, garden accents, home décor accessories, home décor doormats and door knockers, home décor finials, home décor wall hanging and paintings, home décor wall hooks and rings and shelley hitt etc.

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The Best Decoration Accessories For Your Home

April 16th, 2009

Nowadays, it is quite difficult to choose the best home, office, kitchen and bath decoration stuff from bulk of online stores. Therefore, our Fleur-de-lis is available for you to get what you have to for decoration of your homes office and other places you have to get for. Frenchquartemarket.com is the only place which has all the necessary items to decorate your places according to your wishes.

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Think twice about giving holiday gift cards and prepaid bank cards

December 1st, 2008

Connecticut Better Business Bureau says watch out for bank card fees and potential problems with retail gift cards

Wallingford, CT – December 1, 2008 – Hard cash is on many wish lists this year as families try to find a balance between holiday spending and paying for essentials. A popular option this season is the pre-paid bank card, or as they are also known, “stored-value” cards.

The cards are similar to pre-paid gift cards but may be used anywhere credit cards are accepted, allowing shoppers more flexibility as to where the money can be spent. These cards, however, are not without a downside and Connecticut BBB is providing advice on the purchase and use of pre-paid bank cards.

Connecticut Better Business Bureau President, Paulette Hotton Scarpetti, says buyers and recipients of these cards must pay special attention to their terms and limitations.

“Use of these pre-paid bank cards may involve substantial fees and limitations, and they vary, so BBB recommends consumers pay special attention to details when giving or using a pre-paid bank card. In other words, read the fine print and ask lots of questions about the cards’ restrictions.”

One BBB recently researched one bank-issued card and discovered more than 27 different fees, ranging from under a dollar to $20. These fees may be attached to contacting customer service, loading more money onto the card (recharging), and inactivity. One card even had a weekly base fee of $1.95, which adds up to more than $100 a year to use the card.

Pre-paid cards are often branded by major credit card companies, and while they promise zero or limited liability if a credit card is lost or stolen, the same protections do not necessarily apply to stored-value cards, which should outline whatever protection is afforded to the holder.

Retail gift cards – Buyer beware!

In the midst of the recent closures and bankruptcies of several major retail chains, consumers are concerned about buying gift cards and what might happen if the store goes out of business before the card is used.

According to Scarpetti, consumers have good reason to think carefully before deciding whether to buy a store gift card.

“Because there is no way of telling in advance whether a retailer will go out of business, your BBB advises you think carefully about gift card giving. The sad fact is that if a retailer closes its doors before a gift card is used, the holder is typically left with a worthless piece of plastic.”

Many consumers, in an effort to avoid a “holiday credit card hangover” are increasingly turning to debit cards and cash purchases, and even giving cash or checks as presents rather than gift cards.

What if your favorite store goes bankrupt?

If a store files for Chapter 11 bankruptcy protection, it a signal it intends to continue operations while sorting out its financial problems. While some may still honor gift cards others have no choice but to stop redeeming them. Gift cards are treated as a loan to the company, not as cash.

If, however, the firm is filing for Chapter 7, meaning it intends to give up and simply close down, consumers are at the back of the line behind creditors who are owed money.

Connecticut BBB has some pointers when considering buying a gift card:

-Check out businesses at www.bbb.org to see whether any government actions or bankruptcy information is posted on a Reliability Report.

-Ask if the gift card has an expiration date or may be redeemed online and whether there are any location limitations using the card.

Finally, if you receive a gift card, use it as soon as possible. You never know how long its issuer will be in business.

For more information on giving and using gift cards, and managing credit and debit cards this holiday season, go to www.bbb.org.