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Skye Bank Customer Alert – Beware Of Hackers

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One of the features of online/Mobile banking is SMS banking services which are operated using both push and pull messages. Push messages are those that the bank chooses to send out to a customer’s mobile phone without the customer initiating a request for the information. For example push messages could be either Mobile marketing messages or messages alerting an event which happens in the customer’s bank account, such as a withdrawal of funds from the ATM or a payment using the customer’s credit card, etc.

Pull messages are those that are initiated by the customer, using a mobile phone, for obtaining information or performing a transaction in the bank account. Examples of pull messages for information include an account balance enquiry, or requests for current information like currency exchange rates and deposit interest rates, as published and updated by the bank.

The bank’s customer is empowered with the capability to select the list of activities (or alerts) that he/she needs to be informed. This functionality to choose activities can be done either by integrating to the internet banking channel or through the bank’s customer service call centre.
It is however sad to note that fraudsters and internet hackers have capitalized on this laudable innovation to rip people off their money. So it is important that as a bank account holder or intending holder you should be aware of this trend and choose the right bank to bank with where your money will be properly secured through adequate online security tips.

Skye bank as a customer friendly bank knows about the activities of these fraudstars and has developed security measures to protect its customers finances. If you are a Skye bank account holder, you might receive emails that seem to emanate from the bank.The mail might even carry the names of Skye bank top Management staff or Director. Some of them may require you to send in information on your Bank details, Pin codes and even your personal information as contained in the bank’s database of you. They might also claim to have access to large sums of ($)US dollars for you domiciled with the bank. Please note that these are scam mails and you should be very careful to avoid being a victim to fraudsters.

As part of its commitment to online security, Skye bank has developed some security tips for all its customers to recognize when they receive emails or letters from potential fraudsters.

Please note that Skye Bank would never ask you to disclose your account number or Pin code on the internet. Also Skye Bank would never ask you to disclose personal information on the internet.

You should also note that Skye Bank site would always carry a security certificate which would be visible on access to the bank’s site and be sure that the site you are on is a genuine Skye Bank site.

In addition Customers should not open attachments or follow Web links in unsolicited emails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual.

The official Skye Bank web address is www.skyebankng.com. If you are still in doubt, please get in touch with your nearest branch or call us on (000 234 1) 8531655, 8948103, 07028390633-5

Credit Repair and Credit Scoring by Dan Beck -Scam

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Intro

Basicsics

Introduction

Basic information

What you need to know

What you know?

Read first..} I’m a student who has just finished university. Obviously, as most other just graduated students, I have a debt. My credit card has been my one and only big friend throughout the years and I can understand anyone that feels or has felt the same way! I envy the strict disciplined people that have no problem with money management and keeping an eye on what comes in and what goes out every single day. In short, the credit card has been {extremely

immensely} {kind

generous

good} to me.

Obviously I am now in the position to do something about the debt I have built and my credit score. I should have a job soon, so I can really start repairing my credit. I read a lot of information on the web, some conflicting with each other and some not extensive enough for me and my position. Then I came across Dan Beck’s Credit Repair and Credit Scoring.

{Conclusion

My conclusion

The conclusion

Personal conclusion

So, what now?} {{From the start

Since the beginning}} I was {convinced

persuaded} with the {authority

legitimateness

lawfulness} of the {creator

author

maker} of this book. I {researched

investigated

examined

checked

explored

reviewed} his claims and {experience

knowledge

background} and I was convinced. Also, I was {surprised

stunned

astonished

startled

amazed} by the 60-day return no questions asked by getting this {valuable

priceless

expensive} {material

data

information

reading}. That means to me that Dan Beck has a surplus of {confidence

trust

faith} in his product. I have now been reading for about a week and I am very satisfied with the content. I have experience in this field and I have knowledge of several issues mentioned in Dan Beck’s material. Also, the educational videos have proven very informational. Just simply go back a bit if you didn’t understand something at first. It’s {superb

excellent

first-rate

breathtaking

great

magnificent}. I have been {busy

active

on duty} for a long time to fix my repair AND get my credit rating up. Dan Beck’s Credit Repair and Credit Scoring Education has taught me in a week what I have been reading and trying to understand for more than 2 months. {Big

Great

Huge

Massive

Tremendous} source of {knowledge

information

ability

facts} and I can really do something about my credit situation now.

Many MANY thanks to Dan Beck for his personal assistance, professional advice and thanks for Credit Repair and Credit Scoring Education.

{Credit Repair and Credit Scoring{ by Dan Beck}

Credit Repair and Credit Scoring{ by Dan Beck} Details!

Visit Credit Repair and Credit Scoring by Dan Beck!}

The Lowdown on Discover Miles Card

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If you are looking for a Discover credit card, then you would be spoilt for choice. With the many variations of Discover credit cards, each with its own reward program, you will need to get the lowdown of each in order to make the right choice.

The Miles Card from Discover is a travel rewards card that awards cardholders with one Mile for every dollar charged to the Discover Miles card. In fact, you will be awarded 5000 Bonus Miles instantly upon the first purchase made with your Discover Miles card.

These Miles can then be redeemed for free flight tickets on any major U.S. airline, gift certificates, cash returns or even branded merchandise. Additionally, redemption for vacation cruise packages as well as certificates for dining privileges, hotels and car rental services is also part of their paraphernalia of rewards.

The downside to this is that only a maximum of 60,000 Miles can be earned for each card account within a year. However, just like other travel reward cards, miles accumulated will not expire as long as the account is kept active for three years running.

Whats more, customers can now view their total collected Miles in their monthly billing statements or for faster updates, through their online account. The only drawback about the Discover Miles Card is that airline miles are non-transferable even between Discover Card holders. However, anyone who is listed in the account as a fellow card member are eligible to redeem miles collected as long as the airline miles are only deducted from that account.

Finally, airline tickets must be booked at least three weeks (21 days) in advance and customers can fly at any time of the year as there are no blackout dates. Furthermore, if the customer has 10,000 Miles at hand, they can always ask for a reduced price on their ticket. In the event that a customer wishes to close an account, they are given the option to exchange the remaining Miles they have for cash, as long as there is at least 5000 Miles in the account. There is no time to waste; it is time to discover the world with your own Discover Miles Card.

Credit Card Debt Consolidation guide

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Not just a hassle free mode to carry large amount of money but an easy way to make payments, take credit from banks and other organizations, credit card is a great financial tool.

Though the card comes with many advantages yet its benefits and defects are more user based. In other words, the positive and negative effects of a credit card vary with credit card holder. If an individual uses his card judiciously, the advantages are incredible and if not, he can very well land in trouble.

Since credit card provides convenience to spend anytime and anywhere, people usually end up spending excess of money. The option of keeping the minimum amount to keep your credit going stretches your budget even further. For every balance that remains unpaid each month adds to your interest and as a result after few months you find yourself burdened with credit card debt. For instance if you buy a sofa-set for $1000 and make only the minimum monthly payment of $50, you still have to pay $950. This amount will then be clubbed with interest too. If your credit card interest is 15%, the next month you will have to pay not just $950 but an additional amount of $142 as interest.

But if you have already made senseless use of your credit card and are running into debt and can only make monthly payments, there are several ways to manage your debt and so to relive yourself from the mounting tension of credit card debt.

The foremost technique in debt management is of debt consolidation. Debt consolidation is not a loan. It is a process where you work with a debt repayment representative who negotiates with your creditors on your behalf. The managers are able to reduce your interest rates to a considerable extent and may even be able to have fees and penalties checked and reduced. With your accounts all brought up to date, you will begin making monthly payments that will allow you to pay-off the debts in a span of just 3-6 years. Thus with debt consolidation you have to pay less and soon get out of the debt. Though the credit card debt consolidation will not improve or renew your credit ratings yet it can better your payment history and put you on the part to a debt free future.

Debt consolidation should not be equated with debt consolidation loans. Debt consolidation loans are also different from debt management service. Debt consolidation loans are taken in order to clear the debt of your credit card. The loan is taken with the assistance of credit card consolidation service providers or credit card consolidation help centers. With the use of credit card consolidation calculators, the credit card companies will calculate your loan amount and prior to approving your application, the credit card companies will take care of all your possible credit card consolidation scams.

However most consolidation loans come with high rate of interests that will only add to your debt. So it is better that you stay away from the loans till the time all other good options such as debt consolidation are not closed for you.

How To Protect Yourself From Pre-Approved Credit Card Offer

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Have you received before a pre-approved credit card offer that sent to you through your email address? If you are not, then you are the lucky one. Most of people who have access to email are receiving dozens of “good offer” from credit card companies. Low-internet rate and higher credit limit are among the good deals in the offers and the best part is: it has been pre-approved to you. Sound good? Well, before you go ahead and accept one. Ask yourself whether you really need it or not. According to the credit card site CardWeb.com, average American household are holding a $10,000 credit card debt. Don’t let you be one of the statistics.

The best way to keep credit card debt down is not to use a credit card. But if you do receive a pre-approved card that intrigues you, at least know what you are getting into before signing on the bottom line:

What interest are you paying? Make sure you understand the interest rate you will be paying for. There are two types of interest rates, fixed-rate annual percentage rate (APR) and variable rates that swing according to the market rate. A better option would be APR because credit card companies have to notify you before raising rates.

The low interest rate being offered is usually only an “introductory rate” which means the rate can – and probably will – increase significantly at the end of the introductory period. This means that balances transferred from higher interest rate credit cards to the new, low introductory rate card could, over the long run, actually cost you more in interest payments. So, be aware of the terms and conditions before you sign to accept the card.

Know that a credit card may carry more than one rate. You may not aware that most of credit cards carry more than one rate. The balance transfer and cash advance normally have higher interest rate. Interest rate shows in the offer normally is the interest rate of your purchases with credit card. Hence, at the end you probably pay higher interest rate if you have balance transfer or withdraw any cash advance with your credit card.

Credit card companies may raise the interest rate if you have late payment. Some credit card companies will immediately raise your interest rate from introductory teaser rate to the regular rate if you are late just one time.

Don’t accept the new credit card offer if fee involved. If there is fee involved with your new credit card, don’t accept the offer. Why pay a fee for a credit card when, with good credit, you don’t have to? If you have good credit, there are many other better offers which you can choose from.

Many of these cards are just preliminarily approved. This means that when you actually apply, the credit card company will reviewing your credit report in full as well as verifying information provided on your application. Terms and conditions may change according to your qualification, such as higher interest rate or smaller credit line. And if your application is rejected, it could cause at least minimal damage to your credit report.

So, in order to protect yourself, you need to carefully read all of the fine print in the offer and, if you don’t fully understand and like everything you read, throw the credit card offer away. Even if you fully agree with the stated terms and conditions, do some calculations to be sure that the lower introductory rate, especially in the case of balance transfers, will actually save you money over the long run.