Options sent money to Pakistan

Sometimes relatives in your home country need financial help. If they reside in Pakistan, you do have a few options. Most banks allow transfers to Pakistan, and some even have special programs for this country. If you need to send money to Pakistan often and for few fees, you can use programs outside of banks, such as a prepaid debit card. Read on to discover the services to Pakistan involving money transfers.

The majority of banks in the U.S. allow some sort of transfer to Pakistan. They charge varying fees, often depending on how much you want to send and whether you have an account. One example is Citibank, which charges $12 for you to send money from your Citibank account to your relative’s account in Pakistan. As the currency is rupees, you would send money in the US dollar, and your relative would withdraw rupees. This means you will need to pay attention to the exchange rate, and at this time $1 USD equals about 83 rupees.

Some overseas banks also allow U.S. residents to remit to Pakistan. For example, National Bank of Pakistan features PakRemit, which allows you to easily send money to Pakistan. To send $100 using an Internet check, there is a flat fee of $4. To pay with a credit card, there is a flat fee of $9 plus 2.89% of the amount, so the total fee would be nearly $12. The money takes about three business days to arrive in your relative’s account. United Bank has a similar fee structure, charging $5 for you to send up to $299 to Pakistan using an Internet check, and $10 plus 2.89% of the amount if you pay with credit card.

If you want to send the money in dollars so you don’t have to deal with exchange rates, most banks will allow you to do so. Usually, your relative is required to have a dollar account instead of just one that deals with rupees. The fees are usually larger to send money to Pakistan this way. For example, United Bank charges nearly $18 to send US dollars with a credit card, and $15 to use an Internet check. PakRemit charges almost $17 to use a credit card, and $14 with an Internet check.

If you enjoy using your credit card, clearly it will cost you more money with the listed banks. However, there are some ways to send money to Pakistan that not only do not charge much more to pay with your credit card, but also allow your relative to use a card. A prepaid debit card costs $5 for you to send money from your checking account to the card, and $8 to send money using your credit card. This means that if you want to use your credit card, there is no huge penalty, and the fees are flat instead of percentage-based. Thus, if you want to send a lot of money at once to the prepaid debit card, which your relative can use to either shop or withdraw rupees, it will cost you very little.

While debit card use may not be as rampant in Pakistan as in the United States, it is still possible to use cards there. If your relatives reside in major cities like Islamabad, Karachi, Lahore, or Faisalabad, there are thousands of ATMs and retail shops in the area that accept debit cards. However, if they are in smaller towns, you might want to ask before sending a prepaid debit card. Other than convenience for your relatives, before you send money to Pakistan, the important thing is to consider the fees that the different services have. Choosing the cheapest, fastest service is sure to make everyone happy.

Cheap promotional products

Getting cheap promotional products is the name of the game. The promotional gifts industry like so many others is very competitive and only suppliers running lean processes, with a ‘can-do’ customer-focused attitude will survive. To supply the lowest cost promotional products without sacrificing customer service requires a real dedication and focus. It also requires a collaborative approach from our suppliers and a partnership. One such example is with our credit card authorisation supplier. We have got the costs down so low that Redbows is one of the few companies to not add any extra charges to an order for credit card payments (excluding American Express off course!). In this way we make sure we supply the cheapest promotional products, efficiently and supported by the best possible service. Don’t forget as well that we also run the industry leading ‘Price-Busters‘ promise to make sure that we are always competitive, even if we have to adjust our website pricing to do so and our Money Off promotions are always a real hit with clients.

Counseling programme for credit card

There are considerable amounts of issues to ponder when you try to neutralize your credit card debt headache. The best thing to figure out is which method is the most ideal for your unique state of affairs. Different programs have changing ups and downs. What should give aide for one debtor may not be worthwhile for the next. There are credit counseling structures, debt consolidation programs, debt settlement programs, and the crappiest situation is having to file for bankruptcy.

How to choose better credit card

With the rise in popularity of credit cards many are finding that they are the best choice when it comes to online purchases, providing temporary finance and also ensuring that you have an element of security that other payment services offered by banks do not provide. Despite this, other inherent disadvantages are causing many to choose not to contract with a credit card service provider. Reasons for this include a fear of accumulation of debt, rising figures in relation to identity theft and credit card fraud, and also an inability to shift away from the archaic "offline cash transactions" that they have been in the way of for so many years. With careful planning and firm self-regulation credit cards can be a valuable tool, with great results, however what most people lack is the ability to really spot a deal.

Follow these steps to ensure that you get the cheapest credit card for your needs.

1. Work out how much you intend to spend with your credit card, each and every month.
2. Work out how you will be able to pay this amount of money back.
3. Calculate the risk factor involved in you getting into financial difficulty.
4. Work out the best case scenario and the worst case financial scenario that you will be in over the next 6 months.
5. Might be out of work? If you run the risk of being out of work over the next 6 months, then we recommend that you never allow your credit card balance to go below zero at the end of each month.
6. Shop around and find all the cost-centers associated with the credit cards that suit your needs.
7. Compare at least 3 credit cards, and consider how much they will charge you in total, based upon the figures you worked out in step 4. Ensure that you include APR, yearly fees (if they apply) and limited time offers.
8. Made a choice? Now consider how reputable that company is. If they are a public limited or listed companies then they are more likely to be reputable, this will also apply if they are owned by a major bank.
9. Read the terms and conditions of the company that you are considering working with. Remember that these terms and conditions are legally binding, and they affect both you and the credit card company.
10. Last chance! Before you get the credit card sent to you, think over it one last time. Are you sure this is what you want to do? If not, why not wait a while and come back to it in a few days? If you do go ahead with it and you change your mind, you can always cut it up!

Credit cards provide many advantages to sensible people, who find credit cards a great way to finance purchases, regulate merchant transactions and complete purchases offline and online with no need for a pile of cash in their wallet. Despite this, not everyone is as sensible, please ensure that you only spend what you can afford, and in doing so get the best results from your credit card.

How to choose good credit card

With the rise in popularity of credit cards many are finding that they are the best choice when it comes to online purchases, providing temporary finance and also ensuring that you have an element of security that other payment services offered by banks do not provide. Despite this, other inherent disadvantages are causing many to choose not to contract with a credit card service provider. Reasons for this include a fear of accumulation of debt, rising figures in relation to identity theft and credit card fraud, and also an inability to shift away from the archaic "offline cash transactions" that they have been in the way of for so many years. With careful planning and firm self-regulation credit cards can be a valuable tool, with great results, however what most people lack is the ability to really spot a deal.

Follow these steps to ensure that you get the cheapest credit card for your needs.

1. Work out how much you intend to spend with your credit card, each and every month.
2. Work out how you will be able to pay this amount of money back.
3. Calculate the risk factor involved in you getting into financial difficulty.
4. Work out the best case scenario and the worst case financial scenario that you will be in over the next 6 months.
5. Might be out of work? If you run the risk of being out of work over the next 6 months, then we recommend that you never allow your credit card balance to go below zero at the end of each month.
6. Shop around and find all the cost-centers associated with the credit cards that suit your needs.
7. Compare at least 3 credit cards, and consider how much they will charge you in total, based upon the figures you worked out in step 4. Ensure that you include APR, yearly fees (if they apply) and limited time offers.
8. Made a choice? Now consider how reputable that company is. If they are a public limited or listed companies then they are more likely to be reputable, this will also apply if they are owned by a major bank.
9. Read the terms and conditions of the company that you are considering working with. Remember that these terms and conditions are legally binding, and they affect both you and the credit card company.
10. Last chance! Before you get the credit card sent to you, think over it one last time. Are you sure this is what you want to do? If not, why not wait a while and come back to it in a few days? If you do go ahead with it and you change your mind, you can always cut it up!

Credit cards provide many advantages to sensible people, who find credit cards a great way to finance purchases, regulate merchant transactions and complete purchases offline and online with no need for a pile of cash in their wallet. Despite this, not everyone is as sensible, please ensure that you only spend what you can afford, and in doing so get the best results from your credit card.

Method to pay credit card

What is the best method of online payment processing for an online business?
These days there is no denying the financial gain and popularity that can be gained from opening an online business. In fact, hundreds of thousands of average people from around the world make a full time living from operating their own online business. Many people operate major online stores while others sell a specific product or service that they personally create and sale.

These days there is no denying the financial gain and popularity that can be gained from opening an online business. In fact, hundreds of thousands of average people from around the world make a full time living from operating their own online business. Many people operate major online stores while others sell a specific product or service that they personally create and sale

However, in order to make a profit you must have a method of online payment processing in order to accept payments from your customers. When considering your online payment processing method you should consider what the most popular form of payment is when it comes to online stores.

Over 90% of consumers who shop online make their purchases using credit cards. Therefore, if you don't offer credit cards as a form of payment you will quickly discover that your online company will be unable to thrive in the online market. Therefore, you must seek out and obtain an online payment processing method that includes the acceptance of credit cards.

When doing this you will want to look into free credit card processing methods. This is because many companies that offer online payment processing actually charge you for every credit card transaction that you make. This means that you will have to pay out large sums of money to the merchant you work with. This can result in a loss of profit over time.

A good majority of businesses will turn to a "free" service like PayPal for their online payment processing. However, there are two problems with this. First off, PayPal does not actually offer free credit card processing. In fact, they charge you a fee for every payment that you receive. Secondly, in order for your customers to pay you by using PayPal, they have to register for a PayPal account. Most people who shop online are looking for convenience and don't want to waste their time registering for an account at another website in order to make a payment.

Additionally, it should be noted that when using a free service like PayPal, your company's reputation will decline. Customers do not take an online business seriously unless they control and use their own internal online payment processing. Therefore, you need to find a truly free credit card processing company and establish your own merchant account.

Free credit card processing can be obtained from a merchant provider such as North American Bancard. They are one of the only merchant account providers in North America that actually offer free credit card processing for their clients. They are a company that is dedicated to providing the cheapest rates imaginable to their clients. For this reason they are growing in popularity every year and are becoming the number one resource for new businesses looking for online payment processing services.

Additionally, they have a strong focus on online companies who are just starting out and looking to make a mark in the online market. They are very helpful and provide the resources and tools that new companies need in order to be successful at online payment processing.

Online payment processing is vitally important to the survival of all online companies. However, you will need to seek out free credit card processing from a reputable company such as North American Bancard if you want to save money while making money.
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Barclaycard's Platinum Credit Card

Barclaycard’s Platinum credit card with Long Term Balance Transfer currently offers the lowest long-term rate available on transferred balances, at 6.3% APR for 36 months.

What’s more, no handling fee is charged when you transfer a balance onto the card within the first 60 days.

When the 36-month introductory period is up, any new balance transfers will be subject to a 2.9% handling fee, plus any remaining balance will be charged interest at the card’s standard APR which is 12.4%.

This rate will also apply to any new purchases made on the card during and after the introductory period.

6.3% APR for 36 months is currently the lowest long-term rate available on balance transfers. This means that if you have a large balance to clear, you will have up to 3 years in which to pay it off at one of the lowest rates available.

This can give you valuable breathing space because you’ll have the reassurance of knowing that during the entire 36-month period, the rate on your balance transfer won’t rise above 6.3%.

This will help make your debt cheaper because of the interest you’ll save, freeing up more money for you to be able to clear the balance quicker.

A second significant benefit of the card is that no handling fee is applied when you transfer your balance, which sets it apart from the vast majority of other balance transfer cards. This coupled with the lower rate can mean bigger savings and more money available to clear your balance quickly.

This card would ideally suit those who are looking to clear a credit card balance of up to £5,000, and want the chance to be able to pay it off at one of the lowest rates on the market.

However, you will need to be confident that you can clear the balance within the 36 month period during which the introductory offer applies and budget your repayments accordingly.

You’ll have to be over the age of 21 to apply, be earning at least £20,000 a year, and be a new Barclaycard customer.

Additionally you’ll need to have a good credit history with no recent CCJs or IVAs, making this card ideal for applicants who have handled credit well in the past and who are looking to transfer a balance at a low rate with no handling fee.

Important how to use credit card

Debt isn’t bad, bad debt is bad. Yet in these recession and credit crunch hit times, all borrowing is tinged with the dark side, lose your income and debt will leave you in a nightmare. Therefore before choosing which card is right for you, watch out for the following....

• Want to cut existing debt costs?
  
  You don’t need this guide, which is about cards with cheap ‘purchases’ interest rates for new borrowing. Instead please read the Cheap Balance Transfers guide instead.
  
  
• Don’t use cards to supplement day-to-day spending.
  
  The huge worry about credit cards is they allow you to borrow willy-nilly, there's no structure. This is one of the reasons they’re the primary cause of personal debt crisis; many people simply use their cards to supplement their income.
  
  To correctly use a credit card, ensure all borrowing is planned, budgeted for and as cheap as possible. If you’re just grabbing it to ease the strain on your pocket, that's a mammoth danger signal, please read the Debt Problems guide before getting yourself into trouble.
  
  
• Have you budgeted and planned repayments?
  
  Always borrow as little as you possibly can. Yet it's not just about how much, but also how quickly you can repay. The quicker you can repay the cheaper it will be. Use the free Budget Planner to help.
  
  
• Don’t borrow your way out of debt.
  
  If you’re getting a new card to help ease existing debt, it's likely you’re going to make things worse. The old adage ‘never borrow your way out of debt’ still holds true. If you are having trouble making ends meet please read the Debt Help guide which will take you through debt issues step by step.
  
  
• Watch out, lenders bite!
  
  Credit card companies have an array of tricks to bite your cash. If you fail to repay in full, you'll pay interest on the whole amount. Miss a payment, or pay late and you can lose any cheap interest deals, be fined and hurt your credit score. Find out how to beat credit card tricks.

Scenario cheapest credit card

Searching for the cheapest credit card rates online is a complex business with many credit card suppliers offering different deals depending on your circumstances. The cheapest credit card rates will differ if you are looking for credit cards for new businesses or are wondering how to transfer credit card balances with bad credit.

In the last year the credit card companies have got wise to customers switching to 0% balance transfer no annual fee credit cards and simply transferring their credit card balance after 6 months. As a result you need to look beyond finding the cheapest credit card rates and look at the long term benefits and interest rates.

Some of the credit card companies are now even charging an annual handling fee but before you dismiss this you need to work out the total annual costs as some of these card suppliers actually have a better annual interest rate than others who don't charge a handling fee but add a few percent onto their APR rates which can cost you more money in the long run.

When looking for the cheapest credit card rates you also need to consider reward credit cards such as the Capital one reward credit card which offer extra benefits that could include cash back or free travel insurance. Cash back rewards can be a good incentive for high spend credit card customers although the danger is you spend your cash back on more goods !

You should also keep an eye on your credit card statements as very often customers who enjoy the cheapest credit card rates will move onto a higher rate after 6 months and this will make a big difference in your monthly payments as your interest rates could increase by as much as 20% depending on your deal. Another thing to look out for is your balance transfer rate expiring as most companies offer a low rate for 6-9 months.

0% balance transfer no annual fee credit cards

how to transfer credit card balances with bad credit

Features should know about credit card

If you want to compare credit cards to find the best one to suit your needs it is important that you have a clear understanding of the key features and terms.

While credit cards can be a quick and easy source of cheap or free credit if handled correctly, they can also be a very expensive luxury if you do not keep your discipline. Here we set out the key features and warn you of some of the potential pitfalls before you make your credit card application.

Types of credit cards

When you begin to research the credit card market you’ll find that there is a huge choice of products tailored to suit certain people and certain circumstances. You will find cards for students, people with bad credit ratings and Gold credit cards, to name a few. While these may have some features that appeal, it’s best to take a closer look before making any credit card application.

Annual Percentage Rate (APR)

APR is the rate of interest you pay on any outstanding balance and is a major factor in how much your credit card will cost you. This is one of the most important factors to review when doing a credit card comparison. APR is usually somewhere between 10 and 20 per cent and if you think you will have an outstanding balance on your new credit card it is vital that you find the lowest APR you can. It could save you hundreds of dollars. Also, when comparing credit cards watch out for deceiving introductory APRs. These low rates will only last a few months, it is the normal rate that you will be paying after that which you have to compare.

Grace period

The vast majority of card issuers provide a grace period before they charge interest on purchases in the time after they issue the monthly bill. This grace period is usually 28 days, which means it is possible to have almost two months between a purchase and having to pay back anything on it. If you pay your credit card balance off in full by the due date on each invoice you can avoid interest charges. The grace period helps you manage cashflow and avoid interest fees so insist on at least the usual 28 days.

Credit card APR

If you know you won’t be paying your card bill off in full each month you need to know how interest is calculated. There are a number of different methods used by card issuers and some are more costly than others. They include: Adjusted balance, average daily balance, daily balance, ending balance, double billing and previous balance. Of these adjusted balance is the cheapest, though average daily balance is used by most credit card providers.

Fees and charges

When making a credit card comparison, fees and charges can make the difference between a great deal and a terrible deal. You can avoid paying any fees if you pick the right card and use it wisely. However, other cards will hit you with surprise charges such as annual fees and registration fees, and penalize you if you are late with payments or exceed your credit limit. Read the small print and be aware of all fees and charges before you fill out your apply for a credit card.

Rewards

Many credit cards offer rewards for using your credit card, such as cash-back, discounts and free air miles. While these can be beneficial and save you money in certain situations, rewards and incentives alone should not dictate which credit card you choose.

Interesting about cheapest credit card

It doesn't make any sense at all to pay too much for credit cards and that is why you need to start using the cheapest cards and give yourself a break. And while giving yourself a break help your credit score as well.

There are cards out there that cost you little to nothing to own and will keep your spending in check while also increasing your creditworthiness. You no longer have to worry about high interest rates, exorbitant monthly and late fees as well as annual membership dues.

You can find the cheapest credit cards right online and start using them as soon as you are approved. It is easy and you can apply without even getting a credit check. These prepaid cards can be your key to financial freedom and can release you from not being able to get the credit you deserve in the future. All it takes is a willingness to get started and begin your path to recovery.

The greatest thing about prepaid cards is that you are in total control of your spending. You fund the card so you always know exactly how much is available to spend. Each time you use the card it looks good on your credit report too. The more you spend and pay off the better it looks on your credit score.

There is no arguing that the cheapest credit cards are the best ones. Why spend more than you have to, especially when it could entail huge over limit fees and monthly interest charges?

Getting in over your head with credit cards is easy when you use the more expensive ones out there. It is so easy to get in trouble and suffer the consequences many years into the future. During the rough economic times it just makes good sense to keep your finances under control and only use those credit cards that are in your best interest.

Using the cheapest cards certainly doesn't mean you will lose your ability to take advantage of everything traditional ones offer. You can still use prepaid credit cards for all of the things you would use your high rate ones for like car rentals, hotel reservations and everyday items as well.

You can even get cards with ATM functions. You get all the same advantages without all the high fees and costs...