How to Avoid a Credit Card Charge-Off

The simplest way to avoid a credit card charge-off is to learn and understand the credit card system. Here are some tips:

Sending Credit Card Payments Through The Mail:

Some credit card companies actually require you to use their own pre-printed envelopes, but even if they do not, it is a good idea to do so in the interest of more efficient processing of your payment. Make sure you have included the billing coupon and have written clearly the amount that you are paying. Include your check, also written legibly, and remember to write your account number on the check.
When Ronald Reagan was running for President, he was asked what he was going to do to make the post office more efficient, to which he responded that he would start mailing workers workers their paychecks. Allow ample time when you send your check to the credit card company.

Change Your Credit Card Due Date Something That Is Convenient For You:

Many people find that the greatest number of their bills, such as their mortgage or car payment, are due at the first of the month. If these places a burden on your ability to pay your credit card bill that may also be due at the first of the month, a simple way to avoid this problem is to just ask your card issuer to change the due date for your monthly payment. There is no harm in the asking, and many card issuers offer this ability to change the due date of your bill as an option. One important thing to remember, though, is that it may take a couple of billing cycles before this date change is fully implemented. It is important to make sure that your bill is paid promptly when due until your change of due date becomes effective. Otherwise, you could find yourself on the wrong side of a late fee.

About Late Fees:

In the classic television detective series Columbo, which starred Peter Falk, Lieutenant Columbo always appeared to be distracted and disorganized, but in reality he was extremely focused and observant. One common scene that brought delight to fans of the show was when Columbo left a room in which he had been speaking to the murderer. He kept turning around and starting question after question with, "Oh, just one more thing …" Then he trapped the criminal. Well, the credit card companies are not Lieutenant Columbo and we consumers are certainly not murderers, but when it comes to trapping us in the fine print of their credit card agreements, it always looks like there is "just one more thing."

Make Your Credit Card Payment On or Before The Due Date:

Your monthly payment is due on whatever date of the month it says on your credit card bill. If your payment is late, the fine print of your card agreement provides for the right of the credit card company to assess a late fee, which can be as much as $ 35 for each late payment. In the past, some credit card companiesave their customers five or even ten days of grace after the due date before assessing a penalty, but that is not the situation any longer. So you send your payment with sufficient time to arrive at the card company on your bill's due date.

But, just one more thing: Some credit card companies deem your payment late if it is processed later than 1:00 pm on the day of your due date. Some of these companies do not receive and process mail until after 1:00 pm; Therefore, the real date by which your monthly payment must be received is a day earlier than the date indicated on your contract. So you need to make sure your payment gets there three days ahead of the due date. Another Note: If the envelope contains a staple, a paper clip, or a note from you, the fine print of the contract specifics that there may be a delay of up to five days in posting your payment. This may cause a late payment to be assessed on a payment that arrived at the card company prior to the due date of the bill. I'll bet Lieutenant Columbo read the fine print before sending in his payment.

Make Your Credit Card Payments On-Line:

The most efficient way to make credit card payments is to make the payment on-line if the company offers that service. You can specify the amount you want to pay, which account you want it deducted out of, and specify the date you want the payment made. By paying your cards this way, you can set the payment to be made exactly on the due date so the credit card company is not getting your money any earlier than the due date and you have the peace of mind knowing you will never be late On your payment. Just be sure to set this up at least 3 days before the payment is due, otherwise there might not be enough time to process the payment in time.

Avoid Credit Card Interest Rate Hikes:

Another problem with late payments is that they can also trigger penal interest rates as high as 29%; So, for example, instead of the 10% interest rate your card may carry, your rate will now be jacked up to 29% effective immediately. In fact, even if you are timely in your payment, credit card companies generally reserve the right to raise your rate to a penalty rate if you are late with any other payment to any of your creditors, whatsoever they may be. Just read the fine print.

Can not Make Your Credit Card Payment?

If you're struggling with making your monthly payments, before you're ever late on a payment, CALL YOUR CREDIT CARD COMPANY! Most companies will come up with a reduced payment plan if you're experiencing a hardship. You'll want to do this as soon as you determine that you can not make your payment, before the due date. You'll want to negotiate a payment that you can afford with your credit, then send that payment in on or before the due date so it does not affect your credit.

You'll want to be sure to get this agreement in writing and be sure to negotiate that this reduced payment WILL NOT be reported as a late payment on your credit report. Sometimes creditors will agree to a reduced payment, but they'll go ahead and report it as being 30 days late because it's less than what was contractually agreed to. If you get a letter from the credit card company agreeing to the reduced payment, along with a statement from the company that they will not report you as being late to the credit bureaus, you'll have the proof you need to send into the credit Bureaus if they do not hold up to their end of the bargain. This happens more often than not, so make sure you protect yourself.

"Settling" Your Credit Card Balance For Less Than The Full Amount:

"Settling" a credit card account basically means that you're paying less that the full balance. This technique is usually used if the account has already been charged off and can only be done if you have the money to pay them in full. If you're going to try this, you'll want to try to negotiate a "Pay for Deletion", which basically means that whatever amount the two of you agree to settle the account for; The credit card company is also agreeing to remove the account from your credit report. By doing this, the charge-off and late payments will no longer negatively affect your credit score.

IPhone Repair Service

IPhone repair services have been developed to help you repair your iPhone when it breaks or malfunctions. Not having to pay the cost of a brand new unit is a life saver for some and allows you to keep your existing unit in pristine condition. If you compare the price of repairing your existing unit against the cost of buying a new one, you'll find that you can save nearly 100 dollars even if the damage to the unit is substantial.

IPhones are very expensive pieces of equipment but even the best electronic technologies can not stand up to continued abuse. If something should go wrong with your iPhone, you need to understand that you have options available. The many repair shops available on the Internet today can help you to get your unit back to 100% functionality. Repairing your iPhone will save you a great deal of money and help you get your iPhone back to its original condition. Many repair centers even offer a warranty with their work. The repair technicians are usually always friendly, helpful, and available to repair your iPhone no matter when it breaks. You can count on repair shops that have been in business for a long time to know how to fix your item right the first time and give you the advice and information you need to make the best decision.

Look for 30-day or longer warranty while shopping for iPhone repairs, as it may end up saving you the emotional burden of wondering if you have made the right decision. If the same part malfunctions again within the warranty period, you simply ship the item back in to be repaired again without having to worry about the repair costs.

Customer service is usually top of the line with iPhone repair companies and they will explain to you the maintenance that is going to be performed on your iPhone. Any questions you have can generally be answered right over the phone. Your item is shipped using your choice of shipping methods or the shipping carrier of preference for the repair center.

In most cases, if your iPhone has a problem, it can be fixed through a repair shop. Water damage, glass replacement, diagnostic service, housing and chrome bezel replacement, battery replacement, full refurbishment, home button replacement, headphone repair, camera removal and replacement, power button repair, volume button repair, vibrate / toggle switch replacement, ear speaker repair , Dock connector repair and more! Most parts can be fixed or replaced on your iPhone.

Do not take chances with your hard earned dollars. You will end up saving hundreds by keeping the original equipment that works and replacing or repairing what does not. Do not throw your iPhone away just because it has been damaged or is malfunctioning. Send it in, they'll fix it right!

Picking the Right AC Repair Service Provider

AC breakdown during the summer season is indeed a very unfortunate event. Ironically, the occurrence of the same during the summer months is very common as it tends to overwork amidst this time of the year. Without a doubt, the need for getting it repaired becomes inevitable for ensuring comfortable temperature within the interior surroundings.

There are many such service providers in the market, but it is necessary to do a reputation check before hiring one. After all, finding reliable people from the deluge of companies is a bit challenging.

Here are a few tips to find the skilled professionals in your area:

Word of mouth consideration – Though a traditional approach, but it is one of the best methods to consider for finding the qualified professionals in your area. Ask your friends, neighbors, and acquaintances whether they are aware of the professional in the market who can provide reliable services.

Find on the internet – We are living in the digital world known for its connectivity. Just look over search engines for the same, and you will be assayed with the information on hundreds of options available in your area. You just need to shortlist a few of the practical alternatives available in your area and research on the kind and quality of service they provide. Always focus on the companies that are nearby and easy to reach. Look for the customer reviews and further cross check from the localities for getting a better idea about their expertise.

Experience – Experience counts and a company having about 3-4 years of expertise in this field must be your choice. Also, they should have access to advanced tools to take care of the job. Only a tech-savvy company can provide a dependable solution to the problem.

License – Consider the licensed professionals as it is proof that they have received special training for the job. It also showcases their skills and areas of specialization.

Budget – It is one of the most important aspects to consider. Eventually, you cannot make a deal that sounds exorbitant to your pocket. Ask for the quotes from all the companies in your list and then make your decision.

The benefit of hiring a qualified professional for the job ensures a quick fix for your system and add a few more years to its life. You just need to do your homework before cracking the deal.

Five Multi-Channel Marketing Mistakes to Avoid

Mistake # 1: Nothing is Connected

Rather than setting up individual channels as lonely little islands on the internet, you can integrate them so they work together seamlessly and can be managed from a single, centralized tool. Hootsuite, for instance, gives you the ability to post content in the Hootsuite dashboard and automatically post it to any (or all) other channels through one easy-to-use interface. But if you do not have an integrated system, you risk spending too much time posting to individual channels or worse, not posting anything because the task looks too big and time consuming.

The Fix:

Integrate your marketing channels. By integrating marketing channels, you can work with a "write once, publish to many" model that saves time and ensures consistency across all your marketing. You may need some outside professional help with the integration work itself, but it is well worth it in the time and effort you'll save when making posts or running marketing campaigns in a multi-channel system.

Mistake # 2: New Information is Infrequent or Sporadic

Marketing is an ongoing activity – you can not just set up a website and a social profile or two and think that you're done. It is critical that you add new information, articles, posts, and comments on a regular basis. Without consistent activity, your marketing efforts will do little to promote your business, bring in new leads, or help build customer loyalty and engagement.

With sporadic or infrequent updates, you also open the door for your competitors to gain momentum, visibility, and new customers if your social profiles just sit there with little activity. It's important that you commit to a sustained, ongoing effort to "feed and care" for your multi-channel strategy in order for it to get results for your business.

The Fix:

Create a Content Pipeline. A Content Pipeline can be as simple as printing out a monthly calendar, then selecting the days you want to post or add new content to your website, social profiles, and / or other marketing channels. For example, if your business newsletter has three articles, you can use one article each week as a new social post, then share a link to an interesting blog post (on your website or elsewhere) as the post for the fourth week. Having everything planned out ahead of time makes it easy to keep information flowing smoothly in a multi-channel system.

Mistake # 3: No Mobile Site

  • There are more than one billion people using mobile devices today.
  • More than 61% of mobile users say that if they do not find a mobile site , they will immediately leave to keep searching for one.
  • 50% of users said that even if they liked a business, they would use it less often if the website does not work on a mobile device.

Still think you do not need a mobile site for your business?

A mobile site is not the same as a desktop site displayed on a smaller screen. Mobile sites have less content but are typically more focused and to the point. They also include unique features like click-to-call buttons, larger text, "thumb-friendly" navigation and links, etc. A regular desktop site when viewed on a mobile device is often very difficult to use, as the links and buttons are too tiny to use on a small touch screen, and the content is all but unreadable due to size.

The Fix:

If you do not have a mobile site, or if your regular desktop website is less-than-wonderful when viewed on a mobile device, consider adding a mobile website for your business.

Mobile devices are now the first screen of choice for users, meaning that more people could be accessing your website from a mobile phone or tablet than their PC or laptop. What type of mobile experience is waiting for your visitors?

About 93% of small businesses do NOT yet have a mobile website, so if you're one of them, this is a great opportunity to reach more customers right away, plus get a jump on your competitors!

Mistake # 4: Missing or Incorrect SEO

Ever since Google's Penguin and Panda updates in 2012, SEO techniques and ranking signals have changed – a lot. If you had SEO work done during or prior to 2012, chances are that the techniques used are not only outdated and non-standard today, but they could even work against you in the search engines (like sites with technical errors, old SEO tactics, Deprecated HTML, etc.).

Today, search engines have little regard for websites that are built with outdated, non-standard code, or that contain technical errors or outdated SEO tricks. If your site was optimized more than two years ago, it is probably time to re-evaluate the techniques used on your site and repair or correct as necessary.

If your site is not properly coded and optimized, it will eventually hurt your search engine positions.

The Fix:

Optimize your website, social profiles, email campaigns, and mobile campaigns so that everything meets with today's standards and gives the search engine spiders exactly the information they need to accurately read and index your online assets. Do not forget that content freshness, originality, and share-ability are now important ranking signals to Google, so make sure your multi-channel strategy is addressing these criteria as well.

Mistake # 5: Not Enough Quality Website Content

Google now counts quality content as one of its major ranking factors, so if your website has old content, has not been updated in a while, or has very little index-able content on the pages, it's time to fix it. Pages with only a couple of paragraphs of text, or pages with stale content, are going to be dropped in favor of pages that have fresh content and top-quality information, articles, and other original material.

The Fix:

Make sure your website has plenty of interesting, high-quality information that users will find compelling. Also make a plan for adding new content to your website at least monthly, and make sure that your content is fresher and of better quality than what your top competitors provide. Websites that do not have fresh, useful content are going to be dropped from the search results – do not let your site be one of them.

The Multi-Channel Advantage

By avoiding these five common mistakes in your multi-channel strategy you can more easily manage your online marketing efforts while gaining the benefits of increased customer engagement, a more visible online presence for your business, and improved search engine rankings – all at the same time .