Clear you Bad Credit Today

You kind of have to wonder. What’s worse? Having your credit card stolen, or being mocked for it on the blogosphere?

Why didn’t I think of that?

On being mocked, here’s how the Gothamist.com opened a story about a con man who, earlier this year, ripped off the credit cards of three tourists to New York City: “Hey, con artists, you don’t need a bag with a broken bottle or broken glasses any more–all you need is to ask some of NYC’s 50 million tourists for their credit cards and they’ll give them to you.”

It seems that Olivier Rey, from Switzerland, would approach people in the Sheraton Hotel & Towers, acting as if he was just a victim of bad luck. As Gary Koelling, a Minnesota resident, told The New York Post, Rey had told him, “I just left my wallet in the cab. I don’t know how I’m going to get it back. My family is here.

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Credit card use is at an all-time high for the holidays, but thats not the only thing thats on the rise. Hello again, credit card fraud. Thanks to new advances in technology, todays thieves can “skim” your card information, sometimes while the card is still sitting in your wallet. As a result, consumers should be extra cautious when using plastic to pay for their holiday purchases.

Try using a few of these techniques to ensure that your credit card information stays private this season.

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Only a third of credit card users (35 per cent) admit to thinking about the impact on their finances every time they use their card to make a purchase, according to research from moneysupermarket.com.

Britains number one comparison site asked credit card customers how large a purchase had to be before they thought about the impact it would have on their finances and budget. Although one in three card users said they thought about the impact of every purchase, almost as many – a whopping 29 per cent – claimed a purchase would need to be over £100 before they thought about the effect on their finances.

According to the research, the average amount Brits can spend on a credit card before they think about the impact their purchase will have on their finances is £145. T

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In our quest to find odd credit card crimes, this week’s batch shouldn’t disappoint. We begin with a credit card thief who evidently doesn’t mind heights.

Credit card thief is very athletic–or very lucky

In Sioux Falls, S.D. police paid a visit to a downtown Holiday Inn, looking for a man who they believed had used a stolen credit card to check into the hotel.

As the Argus Leader relays the tale, the police knocked on the door, and the man–who’s name hasn’t been released–didn’t exactly open the door and invite the law enforcement official for some coffee. No, he jumped out of the window, which would be a problem for most people. He was on the fourth floor.

He jumped 30 feet onto a lower-level roof and apparently remained where he was because police, believing they had their man, contacted the fire department and didn’t cordon off the building.

A fire truck with a ladder soon came to the scene, allowing authorities to go up to the lower-level roof, only to discover that the man wasn’t there.

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When the country went into a recession, most banks were very hesitant to lend while they were waiting to see what consequences the CARD Act reforms would create. Now that the situation in the country has changed and the economic situation has improved slightly, banks are eager to lend, and experts state that consumers may want to start looking closer at the credit card applications that they get in the mail.

There are a number of credit card offers that banks are giving consumers that may be helpful. For instance many cards offer airline miles that can help their consumers qualify for round-trip tickets fairly quickly.

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Sainsburys Finance has launched a new Sainsburys Nectar Credit Card which has been lauded as a “must have card for Sainsburys shoppers”.

The card, being positioned as a leading all-rounder, offers users a 15-month 0% introductory offer on balance transfers (3% fee) and a 6-month 0% introductory offer on purchases as well as a reward scheme. It offers a representative APR of 16.9%.

Like its predecessor, the card offers Double Nectar points on Sainsburys shopping in-store, online and in petrol-filling stations for two years. The credit card gives shoppers an extra 2 points for every £1 spent, the equivalent of 1% cashback on top of their usual Nectar card points (2% cashback when both credit card and Nectar cards are combined).

Additionally, customers will also earn 1 Nectar point for every £5 spent elsewhere and can redeem their points against thousands of Nectar offers.

Research commissioned by Sainsburys Finance indicates that the new card is one of the best all-round cards on the market. T

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“What went wrong?”

That’s what I imagine a lot of convicted criminals find themselves thinking, sitting in their cell as they play over in their mind the events that led them to their imprisonment. So in this week’s installment of odd and unusual credit card crimes, I’m going to be my usual helpful self and explain where these alleged crooks went wrong.

Credit card safety tip: Check your dry cleaning

Crime: Credit card theft

Location: Chagrin Falls, Ohio

Play-by-play: The Cleveland Plain Dealer reported on Oct. 5 that in aptly named Chagrin Falls, an employee (now presumably an ex-employee) of a dry cleaner was accused of taking a credit card left in some clothing dropped off by a customer.

The unnamed Twinsburg man allegedly took the credit card to several Giant Eagle gas stations and purchased approximately “$400 worth of goods,” the Dealer says.

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