How to React If Your Credit Card Company Sues You – ABC News #credit, #card, #sued, #company, #score, #debt, #report, #legal, #sue, #lawsuit, #response, #bill, #business #news, #financial #news, #economy #news, #personal #finance, #money #news


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When Your Credit Card Company Sues You

It is essential to teach children about the responsibilities of owning and using credit cards.

Whether the notice comes in the mail, or is delivered to your doorstep, being told that you are being sued for a credit card debt can be terrifying. For many people, the first reaction is to shut down and ignore the situation. “The tragedy…is not that the consumer was sued but that most never respond,” says Steve Rhode, founder of GetOutofDebt.org who is also working on a research project about lawsuits filed over consumer debts.

If a debtor ignores the lawsuit, however, the creditor will get a judgment against the debtor. which in turn will provide the creditor with additional powers to collect the debt, including seizing bank accounts or garnishing wages, in some states. (Note that in this story we are talking about situations where a credit card company itself sues you – not when a debt collector sues you .)

How to react when you are sued by your credit card company depends on a number of things — including, first and foremost, whether you acknowledge that you owe the debt in question.

If you know you owe the debt and the amount is correct, there are a few different ways this can unfold.

If you can scrape together some cash – perhaps with a loan from a friend or family member. for example, then one option is to pay or settle the debt immediately. “A reduction in balance owed or beneficial repayment terms are entirely possible outcomes,” says Rhode.

But you must act quickly.

“Once sued for collection, get immediately involved in the solution,” says debt settlement expert Michael Bovee, founder of the Consumer Recovery Network. In his experience, consumers will typically have to come up with 60% – 100% of the amount owed to stop the lawsuit, though smaller settlements are possible in some situations.

If you are able to resolve the debt at this point, you must get written documentation from the creditor acknowledging your payment and stating that the lawsuit will be dropped. This is especially true in cases where you are settling the debt for less than you owe. Otherwise, the creditor may say your settlement was a “payment” and still sue you for the balance.

“Be certain you are agreeing to a settlement that will also result in the dismissal of the lawsuit,” Bovee insists. “Settling quickly means you can avoid a judgment damaging your credit report.”

If you know the amount is correct, but you can’t afford to pay or settle it, it’s a good idea to talk with a bankruptcy attorney to find out whether filing for bankruptcy is your best option for dealing with the debt that you can’t afford. If it turns out that bankruptcy isn’t a good option, the attorney can explain to you what may happen once there is a judgment against you.

There Must Be Some Mistake

What if you don’t believe you owe the amount they are trying to collect? Maybe you disputed a purchase but the creditor refused to correct it. Perhaps you believe you were a victim of fraud. Or maybe your balance has just ballooned with bogus charges. Robert Brennan, a Southern California consumer law attorney, explains:

Look at the amount that is being collected and the amount that is being reported (on credit reports) as delinquent. When accounts go into collections, the collections departments frequently tack on fees, penalties and interest which do not belong there. If you see your $2,500 balance suddenly balloon to $5,000, or higher (not uncommon), write a certified letter to the credit card company asking for a detailed accounting of the penalties, fees and interest, along with a copy of the contract that permits the card company to charge these items for a defaulted account. Sometimes the card company will give you the info; most times they will not. If the card company cannot verify the proper amount of the debt, then it can only credit-report the amounts which it can verify, which is usually the principal-plus-interest at time of default. It may not be a big case, but consumers who fall victim to this type of false credit reporting can probably use the Fair Credit Reporting Act to pressure the card companies to at least lower the demand to the principal-plus-interest at time of default.

If you think something is amiss – you are being harassed or the amount you owe has been inflated, for example — you may want to talk with a consumer law attorney with experience in credit and collection issues.

William Howard, a Florida consumer protection attorney with Morgan & Morgan points out that in a few states, including Florida and California in particular, there is a “collection harassment law that allows you to sue “Any Person” (including the original creditor or credit card issuer) directly for harassment such as: collecting one penny not owed, collecting fees they are NOT entitled to such as attorney fees or higher interest, too many calls, calling at work, etc.”

Consumer law attorneys usually offer a free or low-cost consultation, and may take the case at no cost to the consumer since the creditor or collection agency will be required to pay their fees if it turns out they are breaking the law.

While a lawsuit for a debt isn’t something anyone wants to have to deal with, try to keep it in perspective, and focus on resolving it one way or another.

“My advice is to not look at the suit as a negative,” says Rhode. “But as a positive opportunity to negotiate with the lender to work out a solution that might be affordable and beneficial to both parties.”

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.


Senior Homeowners Warned of Risks of Reverse Mortgages – ABC News #reverse #mortgage, #foreclosure, #homeowners, #banks, #business #news, #financial #news, #economy #news, #personal #finance, #money #news


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Risks of Reverse Mortgages

Linda and Jim McMahan said they could not believe their luck in 1993 when they found their dream house.

“We loved it,” she said. “It wasn’t a huge house, but it was a nice size. It had the big trees in the yard. And we have deer in the yard every day, and wild turkeys. What more could you want?”

As is true for so many Americans, the McMahans’ home in St. Croix, Wis. was the couple’s dream and nest egg. That is, until their home was drained of its 19-year equity by a reverse mortgage and sold out from under Linda to pay it back as soon as her husband died.

“They must read the death notices, because I’d say within two days, I get a letter: ‘Sorry to hear about your husband passing away,'” she said. “And they said, ‘Well, you either have to buy the house or move out.'”

Only people 62 and older qualify for reverse mortgages. They work by giving homeowners the option of an immediate cash payment in exchange for the future value of their house upon death or sale.

When the McMahans applied for the reverse mortgage in 2005, Linda was under 62, so her name was not included on the reverse mortgage. When her husband died, Linda had no claim to her home of nearly two decades. She lost it.

The McMahans did receive the required counseling before receiving the mortgage and were aware she would no longer be listed, but were unclear about the process needed to add her name — which would have required another refinancing when she turned 62 as outlined in their mortgage documents.

It’s only one of the dangers inherent in the reverse mortgage that government officials are warning consumers about today.

According to the Department of Housing and Urban Development, right now in America, 57,000 seniors like McMahan are in danger of losing their homes — a 9.8 percent foreclosure rate, four times higher than for traditional mortgages.

Reverse mortgages peaked in 2009, rising to an all-time high of 114,639; so far in 2012, 54,676 have been issued.

California currently has the most reverse mortgages with nearly 7,000 issued just this last year; Texas and Florida follow with 4,800 and 3,300 respectively.

Critics say the TV commercials, with celebrities like Fred Thompson and Henry Winkler, prey on vulnerable seniors by claiming homeowners can “turn their equity into tax-free cash.”

Today, the government is warning: Reverse mortgages are not free money.

Prescott Cole, senior staff attorney for California Advocates for Nursing Home Reform, says seniors are a target because many have money saved, are often isolated and at times have “cognitive impairments” reducing their ability to make rational decisions.

“They’re not being told about the downsides,” Cole said. “When we hear about reverse mortgages, we’re hearing the good things. that these are loans that don’t have to be paid back either until the senior dies or permanently moves out of the home. they’re told, nothing to worry about.”

Peter Bell, the CEO and president of the National Reverse Mortgage Lenders Association, says the commercials are not misleading.

“How much can you get in a 30-second commercial?” Bell said. “These are not ads to get a reverse mortgage, but ads to get more information and learn about reverse mortgages.”

Seventy percent of the time, seniors exchange the equity in their homes for the reverse mortgage payout as a lump sum and the money is too often spent by the time it’s needed for late-in-life hardships.

The Department of Housing and Urban Development is expected Thursday to recommend that Congress limit large lump sum payments, and recommend seniors be very careful with reverse mortgages.

Hubert H. Humphrey III, the assistant director for the Consumer Financial Protection Bureau’s Office of Older Americans, says that a reverse mortgage should be the last option.

“This is your nest egg. This is what you use when you don’t have any other resources,” he said. “People are not taking this out as a last available resource, they’re all too often taking it out at age 62 right when they just qualify, and so they live another 15, 20, 25 years, and when they really need the money there’s nothing there.”

Humphrey said that couples who live together should always borrow together to protect both parties’ interest in the property, so that the McMahans’ experience will not happen.

By law, the Department of Housing and Urban Development requires counseling before someone receives a reverse mortgage, and recommends that extended family also take part to ensure the risks are clear, a stance NRMLA supports.

The National Reverse Mortgage Lenders Association also says that the industry itself has worked to improve counseling for potential borrowers.

“All in all there is a concentrated effort by all parties involved to improve counseling and we have seen a steady trajectory of its improving,” Bell said.

According to the National Reverse Mortgage Lenders Association, reverse mortgages have helped more than 750,000 senior households and if the Department of Housing and Urban Development does recommend a limit on borrowing, the association will support it fully.

For Linda McMahan, the risks of her reverse mortgage — an option she wishes she had never been presented — now means living in a small apartment a block from her dream house.

“It’s a wonderful house,” she said. “I hope somebody will enjoy it.”

AARP shared these links as resources:


Reclaimed PPI? Here are three more you can try #money #saving #tips,personal #finance,finance


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Reclaimed PPI? Here are three more you can try

If, like most of us, you have been disturbed by flurries of calls urging you to reclaim mis-sold payment protection insurance (known universally as PPI), you may have realised that compensation is becoming big business. In fact, it is keeping the whole economy afloat, according to a recent survey by ING.

According to the internet bank, PPI refunds are playing a “significant role” in keeping the nation’s savings balances from disappearing, with millions of people receiving a “windfall” of an average £2,600.

If you never had PPI, it can be tempting to feel aggrieved that you don’t have this type of money coming to you. Times are tight, after all, and who wouldn’t appreciate an unexpected few thousand pounds. However, it is important to bear in mind that those thousands of pounds represent monthly payments that should never have been made in the first place.

There is no time limit for reclaiming PPI at present, but the banks are hoping to impose one. If you have even the most niggling doubt that you may have paid for this insurance then it is best to get a complaint in as soon as possible.

It may be the biggest financial mis-selling scandal in history, but PPI is far from the only compensation game in town. There are other products that have been mis-sold, and you could end up with some cash back. If you are one of those people who have been affected, it makes sense to find out how you could claim. It can be easier than you think.

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Financial product: PPI

What is it? PPI is fast becoming a byword for mis-selling. These insurance products were sold alongside nearly half of personal loans and a fifth of credit cards. The insurance was meant to cover repayments on the debt if you were ill or unemployed.

Why was it mis-sold? Many people could not claim on a policy because they were self-employed or for medical reasons. Some others did not even realise that they had been sold the insurance. You can also make a claim if you were not told that the cost of the policy would be added to your loan and would incur interest. Lloyds disclosed this week that it received 1.4 million complaints about PPI in 2012 and some analysts have predicted the eventual total bill for mis-selling could reach about £25bn.

What can I do to claim? There is more information in the Action Points (right). Which? has a complaints letter template on its website (which.co.uk ) that you can use to write to the company that sold you PPI and an online tool to help claim compensation. If unsuccessful, try the Financial Ombudsman Service on 0800 023 4567.

Financial product: Packaged accounts

What are they? Packaged accounts are current accounts for which you pay a monthly fee in order to have extra benefits added. These often include travel and mobile phone insurance, as well as extra overdrafts. Fees for the perks can run to hundreds of pounds a year.

Why were they mis-sold? The City regulator is clamping down on these accounts amid fears that some people did not understand that they were being sold them, or that they are not eligible for the insurance because, for example, they are too old to be able to use it. The banks are being forced to send out eligibility letters to customers to warn them if the accounts’ benefits are not suited to them.

What can I do to claim? If you receive a letter saying that you are not eligible for the benefits on your accounts which will be sent out from next month you may be able to reclaim money. Start by informing the bank that you believe you were sold an unsuitable product and ask for fees to be refunded. If the bank does not react to your complaint positively you can inform the ombudsman.

Claims management companies are just getting into the packaged account reclaiming business. Christian Isaksen, sales and marketing director of iSmart Consumer Solutions, which is one of these companies, said: “We have already been able to claim back these fees on behalf of customers because they have been mis-sold and we believe there are many people out there who could claim.”

However, there is no need to use a claims management company. You are just as likely to be successful making a claim on your own and will be able to keep all the cash.

Product: Care home costs

What are they? While the news is full of the cost of going into a care home in later life, the NHS’s Continuing Healthcare scheme is not well publicised. Under this scheme those who are particularly ill as well as old should have their costs covered under the NHS, rather than having them means tested and often paying the lion’s share themselves.

Why can I claim money back? The Department of Health has acknowledged that many people who were eligible for continuing care have either not been assessed for it or been assessed incorrectly. The eligibility criteria are complicated, and different local authorities have different criteria. If you or a relative were incorrectly assessed you can claim the money back.

What can I do to claim? The Government has put deadlines on these claims so that you can now only claim back care fees paid since April 2011. However, given that the average care home in the South East costs more than £36,000 a year, this is still a lot of money. You can also claim for a deceased relative.

This is a complicated area, and one of the few where most experts will advise you to use a legal firm, whether on a no win, no fee basis or by hourly charges. To lodge an initial complaint with your primary care trust all you need is your relative’s name, the address of the care home and dates you are claiming for. Later on though, the process gets more complicated and you will need medical records and details of assessments carried out by a local authority.

If you want help from a lawyer, one of the places to start is Solicitors for the Elderly (0844 567 617; solicitorsfortheelderly.com).

Financial product: Identity theft insurance

What is it? CPP sells identity theft and card protection insurance.

Why was it mis-sold? CCP has agreed to pay back £14.5m after the regulator found it had been mis-selling products between January 2005 and March 2011. This is thought to have affected millions of people, some of whom could be owed hundreds of pounds.

What can I do to claim? CCP is still wrangling with the regulator over how to pay redress after its ruling. However, if you had a policy you can call CPP on 0808 156 0199. If you are unhappy with the response, you can go to the ombudsman.


How to Cash a Check Without a Bank Account #simon #zhen,personal #finance,money,banking,consumers,retailers,walmart,fdic,hidden #fees,my #money


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How to Cash a Check Without a Bank Account

No bank? No problem. Check-cashing stores, retailers and prepaid accounts can help you turn that piece of paper into cash. (iStockPhoto)

For most American consumers, cashing a check is simple – they simply deposit it at their bank’s ATM or through a teller. But according to the FDIC, 20 percent of U.S. households either don’t have bank accounts or rely on alternative channels for financial services, such as check-cashing.

For these consumers, what is the cheapest way to cash a check?

Check-cashing stores. Local mom-and-pop stores often come to mind when you search for checking-cash services. However, they can be costly.

Some check cashers may impose a fee equivalent to a percentage of the check value. Others may charge a flat fee in addition to a percentage fee. For large checks, these check-cashing facilities can be rather expensive.

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For instance, to cash a $1,000 check, a $5 plus 1 percent fee means you’ll pay $15 for the check-cashing service. Other places are likely to have lower fees.

The check-issuing bank. A bank will only cash a check for a non-customer if a check is issued by that specific bank. Even then, the non-customer could face a check-cashing fee, which varies from bank to bank. For instance, TD Bank charges $5 whenever a non-customer wants to cash a TD Bank check. Meanwhile, Citibank doesn’t impose a fee when a non-customer wants to cash a Citibank check under $5,000.

More often than not, a non-customer will be persuaded to open an account with the bank to avoid paying the fee .

Retailers. Major retailers, such as 7-Eleven, Wal-Mart and some supermarket chains, offer check-cashing services, which likely cost less than those available at check-cashing stores and banks.

At some 7-Eleven locations, you can find kiosks that let you cash checks for a flat 0.99 percent convenience fee. Wal-Mart charges $3 for checks of $1,000 or less and $6 for checks greater than $1,000 and no more than $5,000. (The limit increases to $7,500 from January to April for tax refund checks.)

Prepaid accounts. As financial institutions and other companies find that a large portion of the American population is unbanked or underbanked. they have offered prepaid card accounts to cater to this consumer segment.

For example, Chase offers a prepaid card that lets you deposit checks at any Chase ATM for free, but the card has a $4.95 monthly fee.

A company called Ingo Money works with a long list of prepaid cards to provide mobile check deposit for these card accounts. With the Ingo Money app, you can use your smartphone to take pictures of checks to deposit them into a prepaid account. There is a 1 percent to 4 percent fee for this service and minimum fee of $5 per transaction. However, users will not pay a fee if they choose to wait 10 days for the funds to be deposited.

Shop around. As with every consumer-spending decision. it is best to shop around for a better price. If you frequently use alternative methods of cashing checks, you should research locations nearby for the cheapest fees, so you’ll know where to go whenever you’re in need of check-cashing.

25 Ways to Fix Your Finances Fast


How to Buy a Fleet Vehicle for Your Business #money #savers,commercial #vehicle #center,cars,trucks,vans


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How to Buy a Fleet Vehicle for Your Business

Nearly every vehicle manufacturer will give a discount to businesses that buy cars, vans or trucks in bulk. These so-called fleet sales are available through almost every dealership and offer new and used cars for hundreds, if not thousands, of dollars less than the manufacturer s suggested retail price. Preferred pricing, as it s known, is open in many cases to business owners who purchase or lease as few as five vehicles.

Specific policies vary from manufacturer to manufacturer, but getting a fleet vehicle on the cheap usually starts with a phone call to the dealership offering the specific car a business owner wants. Be sure to ask for the name of the fleet vehicle manager first to avoid being routed to a regular salesperson.

The fleet vehicle manager can guide potential buyers through the process, helping determine if they re qualified to establish a fleet identification number that will give them access to better pricing on leased or purchased vehicles.

Some dealerships require proof that a business is a legitimate legal entity. Others are more concerned with the quantity of vehicles that will be purchased. General Motors requires businesses to buy or lease five or more new vehicles in a 12-month period. Toyota asks that a company operate or plan to operate 10 or more, but those 10 can be a mix of vehicles from different manufacturers. Honda s fleet sales have no quantity restrictions.

In many cases, fleet vehicles can be arranged with open-ended leases, prepaid maintenance, consolidated billing plans and other financially flexible perks.

Like regular consumers in the market for personal cars, fleet vehicle buyers should shop around; sales prices will vary from dealership to dealership based on available inventory. Always ask for a written bid. And call during weekday business hours. Fleet salesmen sell directly to businesses and tend to work 9 to 5.

Car Forward: Gadgets and Apps for Business Owners On the Go


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Residential Windows, Doors and Skylights

Current Specification Effective Date: January 1, 2015

  • The current criteria were finalized in January 2014.
  • New performance levels (PDF, 238.86 KB) are effective as of January 1, 2016 for windows, doors, and skylights in all climate zones.
  • Windows, doors and skylights must meet U-Factor and, where applicable, Solar Heat Gain Coefficient (SHGC) requirements based on climate zone. In addition, doors must meet U-Factor and, where applicable, SHGC requirements based on glazing level (amount of glass).
  • Windows, doors and skylights originally qualified for the ENERGY STAR label in March, 1998.

What should I look for when buying windows, doors skylights?

Every ENERGY STAR window, door and skylight is independently certified and verified to perform at levels that meet or exceed energy efficiency guidelines set by the U.S. EPA. But how do you know which windows work in your climate? The following tips will help you buy with confidence.

Purchasing Tips

Shopping for new windows, doors, and skylights can be a confusing process. ENERGY STAR makes it simple! Follow these five tips to ensure your windows, doors, and skylights deliver savings and comfort you’ll enjoy.

Look for the ENERGY STAR label for your climate zone. All ENERGY STAR certified products must display the ENERGY STAR label. Check the label to make sure the product you are considering is certified to meet the criteria for your area. The ENERGY STAR label appears on the product next to the National Fenestration Rating Council (NFRC) label:

ENERGY STAR Qualified
in Highlighted Regions

Official ENERGY STAR label (and NFRC Label) for a window qualifying in the Northern and North-Central climate zones.

ENERGY STAR Qualified
in All 50 States

Ask for ENERGY STAR when ordering. When you’re ordering in a showroom, make sure to ask for a product that is certified to meet the ENERGY STAR criteria for your climate zone. You can choose ENERGY STAR certified windows in a variety of framing materials to suit your needs.

  • Get a deal. In addition to the long-term energy savings you’ll enjoy, you may be able to take advantage of financial incentives that lower your initial investment:
    • Many utilities provide financial incentives for purchasing ENERGY STAR certified windows, doors and skylights. Look for local rebates and other promotions in your area .
    • Claim federal tax credits for installing ENERGY STAR certified windows, doors or skylights or making certain other energy efficiency improvements to your home.
    • Keep in mind that the cost of complete window replacement can vary. Be sure to get quotes from several installers. Different dealers may quote difference prices for the same product. When interviewing contractors, ask them to break down the price quote by labor and materials. ENERGY STAR certified windows, doors and skylights may cost more than non-certified products, but the labor involved should be comparable for both.
    • If your house is older than 1978, be sure to look for contractors who are certified to handle lead paint .

  • OCBC Online Banking – OCBC Singapore #internet #banking, #online #banking, #wire #transfer, #transfer #money #overseas, #pay #cards, #pay #bills, #unit #trusts, #mobile #banking, #mobile #payment, #ibanking


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    Online Banking

    A simpler and more convenient way to bank on-the-go

    • View your account statements securely on the go in your email inbox or OCBC Mobile Banking app. Learn more. ENHANCED
    • With QuickView. now you can access your bank account balances and latest transactions, without a One-Time-Password. Learn more. ENHANCED
    • Pay OCBC cards or other banks credit cards bills
    • Pay bills (with option to scan barcode)
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    • Place Time Deposit or make a Supplementary Retirement Scheme (SRS) contribution
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    Bank on-the-go with ease, anytime, anywhere.

    Download or update the latest OCBC Mobile Banking app on your iPhone, iPad or Android mobile phone.

    What’s more? Enjoy all these convenient features. It’s like having the bank in your pocket!

    • First bank in Singapore to let you check your bank balances, latest transactions and credit card overview with just your fingerprint
    • OCBC OneTouch is available on:
      • Touch ID enabled iPhones running on iOS 8 or latest operating systems
      • NEW Now also available on selected Samsung phones with fingerprint recognition feature running on Android 4.4 and above.

    OCBC Pay Anyone

    • Use Siri or iMessage to send money via OCBC Pay Anyone with iPhone on iOS10 and above!
    • Pay anyone up to S$1,000 per day on your mobile phone, email and FaceBook contact list, without knowing their bank account details.
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    • Get easy access to your banking information including bank balances, latest transactions and credit card overview at a glance on your wrist .
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    Gift Card Terms and Conditions #walmart #money #card #stolen


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    Gift Card Terms and Conditions

    General Terms

    These Walmart Gift Card Terms and Conditions (“Terms and Conditions”) are applicable in addition to the Terms of Use and Privacy Policy applicable to the Walmart.com website.

    Nonreturnable; not for resale. Notwithstanding anything contained in these Terms and Conditions, Walmart plastic Gift Cards and eGift Cards (“Walmart Gift Cards”) are not returnable or refundable for cash except in states where required by law. Resale of Walmart Gift Cards is strictly prohibited.

    Liability. The balance on any Gift Card is solely the liability of Wal-Mart Stores Arkansas, LLC.

    No affiliation with Walmart. Use of Walmart’s name, logo, trade dress (including any image/likeness of the cards) or trademarks (or those of any of its subsidiaries or affiliates) in connection with the purchase or use of Walmart Gift Cards is strictly prohibited. Furthermore, the use of Walmart Gift Cards in any manner that states or implies that any person, website, business, product or service is endorsed or sponsored by, or otherwise affiliated with, Walmart or any of its subsidiaries or affiliates is prohibited.

    Compliance with laws. By purchasing Walmart Gift Cards, you are certifying and representing to Walmart that the activities in connection with which the Walmart Gift Cards will be used will comply with these Terms and Conditions and all applicable laws, rules and regulations, and that the Walmart Gift Cards will not be used in any manner that is misleading, deceptive, unfair or otherwise harmful to consumers or Walmart. In addition, you agree to defend and indemnify Wal-Mart Stores, Inc. and its subsidiaries and affiliates from and against any claims, expenses or liabilities made against or incurred by any of them in connection with your use of the Walmart Gift Cards or violation of any of these Terms and Conditions.

    Lost or Stolen Gift Card. Lost or stolen cards will not be replaced. Neither Wal-Mart.com USA, LLC nor Wal-Mart Stores Arkansas, LLC shall have liability to you for (i) lost or stolen Walmart Gift Cards or (ii) use of any Walmart Gift Cards by third parties through your Walmart.com account. You are solely responsible for keeping the password for your Walmart.com account safe and for any activity conducted under your account. If the eGift Card is from your Savings Catcher account, go to https://savingscatcher.walmart.com/

    Saving Walmart Gift Card Information and Viewing Balance Terms and Conditions

    Saving Walmart Gift Card Information. Only five Walmart Gift Cards (plastic and/or eGift Cards) can be saved to your account at any given time. Walmart Gift Cards you have NOT saved may be used, but you will be required to enter the Walmart Gift Card number and PIN at the time of purchase.

    No Consolidation for New Walmart Gift Card. You may not consolidate or combine multiple Walmart Gift Cards to purchase a new Walmart Gift Card. Walmart.com does not consolidate or combine multiple gift cards into one gift card per customer requests.

    Saving Walmart Gift Card Information Does Not Redeem Card. Saving Walmart Gift Card information to your account does not redeem the value of the Walmart Gift Card. Saving the information makes the Walmart Gift Card available for selection without entering the Walmart Gift Card number and PIN at the time of a purchase. It also allows you to more quickly check the available balance on the Walmart Gift Card.

    Saving Walmart Gift Card Information Does Not Limit Card to Use Online. Saving a Walmart plastic Gift Card to your Walmart.com online account does not limit you to using the Walmart Gift Card online. You can use Walmart and Sam’s plastic Gift Cards and eGift cards at any retail or only format of Wal-Mart Stores, Inc. in the U.S. or Puerto Rico, including Sam’s Clubs.

    Walmart Gift Card Balance is an Estimate. The balance you see when viewing Walmart Gift Card balances online or receive by calling 1-888-537-5503 is an estimate only. In most cases, the balance is adjusted immediately when you make a purchase online or in stores, but there may be occasions when the updated balance is delayed for a period of time. You can also view the Walmart Gift Card’s transaction history to see if all the transactions for the Walmart Gift Card are listed.

    Walmart Gift Cards Do Not Expire. Walmart Gift Cards never expire.

    Governing Law. When you purchase, receive, or redeem a Walmart Gift Card, you agree that the laws of the State of California shall govern these Terms and Conditions, without regard to principles of conflict of laws.

    Specialty Gift Cards Terms and Conditions

    When you buy a Specialty Gift Card, you agree to the terms and conditions of the card from the third party retailer, restaurant or theatre you choose. Following are the terms and conditions for each specialty gift card sold at Walmart.com.

    iTunes Gift Cards Terms: This card is redeemable only on the iTunes Store for the U.S. To redeem this card you must have an iTunes Store account, subject to prior acceptance of license and usage terms. To open an account you must be above the age of 13 and in the U.S. The iTunes Store requires iTunes 6.0 or later (7.0 or later for video), compatible software and hardware, and Internet access (fees may apply). Not redeemable for cash (except if required by law). No refunds or exchanges allowed and this card may not be used to purchase any other merchandise, allowances or iTunes gifting. Data collection and use subject to Apple Customer Privacy Policy, see www.apple.com/legal/privacy. unless stated otherwise. Risk of loss and title for card passes to purchaser on transfer. Apple is not responsible for any loss or damage resulting from lost or stolen cards or use without your permission. Apple and its licensees, affiliates, and licensors make no warranties, express or implied, with respect to prepaid cards or the iTunes Store and disclaim any warranty to the fullest extent available. These limitations may not apply to you. Void where prohibited. Not for resale. Subject to full terms and conditions, available at www.apple.com/support/itunes/legal/giftallowances.html. Content purchased from the iTunes Store is for personal lawful use only. Don’t steal music.

    SUBWAY ® Gift Card Terms: This SUBWAY ® Card may only be used for purchases at participating SUBWAY ® restaurants – a list is at www.mysubwaycard.com. The available balance will be applied to your purchase. You can reload your SUBWAY ® Card with additional cash at any time, or set it up online for automatic reload. We can only replace remaining balances on lost, stolen or damaged Cards if your Card is registered online, and you can provide proof of purchase. The Card never expires and we do not charge any fees. Reward points expire after 36 months, unless stated otherwise by us. Not all SUBWAY ® restaurants participate in the Rewards program. Use of this Card constitutes acceptance of these terms. SUBWAY ® is a registered trademark of Doctor’s Associates Inc.

    Regal Gift Card Terms: Regal Gift Cards are sold in a $25 denomination and are honored, just like cash, at the box office or concessions. Regal Gift Cards cannot be redeemed for cash unless required by law. If the Regal Gift Card is lost, stolen, damaged or destroyed, the value of this card will not be honored or replaced without proof of purchase and proper identification. Regal Gift Cards have no expiration date or dormancy fees.

    Brinker International Gift Card Terms: Chili’s Grill Bar®, Romano’s Macaroni Grill®, On The Border Mexican Grill Cantina® and Maggiano’s Little Italy® terms and conditions:

    • No Service fees are charged in connection with these gift cards
    • Lost or stolen cards will not be replaced
    • Balance inquiries can be made by calling 1-888-532-6092

    Updates to Terms and Conditions

    These Walmart Gift Card Terms and Conditions were last updated on December 1, 2015. Walmart may update these Terms and Conditions at any time. We recommend that you check these Terms and Conditions periodically for changes.


    CD (Certificate of Deposit) Rates, Money Market Rates, High Interest Savings Accounts, highest money market interest rate.#Highest #money #market #interest #rate


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    highest money market interest rate

    September 5, 2017 02:00 AM – 0 Comments

    Highest money market interest rate

    The top return among national 3-year CDs has been moving up lately. In fact, rates on 3-year CDs are around a quarter of a percentage point higher than they were at this time last year.

    Now you can earn 2.00% APY from three different banks — Everbank, Connexus Credit Union and GS Bank.

    But while there are several nationally-available deals worth a look, the case is as strong as ever for mid-term CD shoppers to capitalize on chart-topping rates from the country s best-paying credit unions and community banks.

    Indeed, we ll tell you where to find local deals that beat the national leader.

    6 Safe Places to Invest Your Money

    Highest money market interest rate

    It might be tempting at times to dig a hole in your backyard and bury your savings, even when the stock market is on a rally. But if you pick safe places to invest your money, you ll know at all times how it s performing for you.

    Here’s a list of some places to consider investing your money that have very minimal risk: Click here to read more

    2-Year CD Rates Roundup: Earn 1.81% Nationally, 2.00% Locally

    Highest money market interest rate

    The top nationally available 2-year CD is paying 1.81% APY, the same as it was paying last month.

    But CD rates are on the rise. And 2-years are something to keep an eye on.

    You can pick up 1.81% APY from two banks — First Internet Bank of Indiana and Everbank.

    The main difference between the two is the minimum deposit amounts. First Internet requires a minimum of $1,000, while EverBank requires a minimum of $5,000.

    Overall, we have five banks offering 1.70% APY or higher on 2-year CD rates. And 14 banks are offering deals of 1.50% APY or better.

    Of course, there are still some local banks and credit unions offering better deals.

    That makes it even more important to shop around thoroughly for the best CD rates.

    6-Month CD Rates Roundup: Top National Deal Pays 1.37%, Local Pays 1.49%

    Highest money market interest rate

    A single bank, First Internet Bank of Indiana, leads all competitors. It s paying 1.37% APY on nationally available 6-month certificates.

    But Live Oak Bank is close behind, paying 1.35% APY.

    As always, shopping locally may earn you more from a credit union or community bank. We know of at least one local deal that s out-paying the national leader, offering 1.49% APY.

    1-Year CD Rates Roundup: Earn 1.60% Nationally, 1.69% Locally

    Highest money market interest rate

    The top nationally available return on 1-year certificates of deposit is currently 1.60% APY, higher than you could have earned at this time last year.

    Better yet, you can earn up to 1.69% APY from credit unions and community banks, and we ll tell you where to find those local deals.

    5-Year CD Rates Roundup: Take Home 2.35% Nationally, 2.61% Locally

    Highest money market interest rate

    Looking for the best 5-year CD rates? Right now the best you can earn nationally is 2.35% from Synchrony Bank or Popular Direct.

    Even though the Fed has been raising the prime rate, we haven t seen it reflected much in certificates of deposit.

    Still, it beats the 2.27% you could earn from the top 5-year CD rates last summer.

    Fortunately, you can almost always find some better-than-average local deals.

    And keep in mind that rates change daily, which is why it s always a good idea to check Bankrate’s extensive database of the day’s best CD rates. Click here to read more

    KS StateBank Pays Top Deals On Jumbo CDs Nationwide

    Highest money market interest rate

    Don t let the Kansas name fool you – KS StateBank s certificates of deposit are available nationwide.

    And it s offering top rates on jumbo CDs.

    It s currently paying 2.25% APY on a 5-year jumbo. All of its jumbo CDs are paying 1.55% APY or above.

    When the Manhattan, Kansas-based bank implemented an online account opening system more than two years ago, it extended the availability of several deposit products to savers nationwide.

    But it wasn t until just a year ago that it offered any rates worth mentioning.

    Granite CU Offers Tough-To-Beat Deals in Utah

    Highest money market interest rate

    For savers in Salt Lake County, some of the best yields come from Granite Credit Union.

    It s paying 2.50% for a 5-year term, which is well above the top nationally available 5-year return of 0.91% APY.

    Granite is also offering a promo rate on 30-month CDs — 1.80% APY. That s better than you ll find out of the top 2-year CD rate, 1.65% APY. And it s nearly as good as the top 3-year CD rate, 1.90% APY.

    Of course, it s always wise to check Bankrate s extensive database of the day s best CD rates before locking in any certificate.

    But if you re in Salt Lake County, Granite is certainly offering some of the best deals around.

    Here s what the Granite Credit Union is paying on CDs:

    GS Bank Is Offering Top CD Rates

    Highest money market interest rateIf you re in the market for a CD, GS Bank is worth a look. It s offering great deals on nearly every term.

    One deal that sticks out is its offer on 3-years.

    GS Bank is offering 1.90% APY on 3-year CDs with a $500 minimum. That s nearly as much as the leader, Barclays, which is paying 1.95% with no minimum.

    You ll also find that GS Bank is posting great deals on 2-, 4- and 5-year CD rates.