Here are the most ideal resources for how to spot fake credit cards

Students May Find Bank Loans Less Stressful than Credit Cards

APACS, the UK Payment Association, has just launched a borrowing advice guide for students, called "Cards and Students". This answers a much needed gap in the market - every year, more students and recent graduates complain about the crushing load of student debt that sits atop their shoulders, yet there is still no distinct body or advice group established for the sole purpose of addressing this problem. The new APACS guide goes some way to addressing this gap, though clearly much more is still needed.

The new guide offers students short and handy advice on responsible borrowing, and though it targets credit card usage in particular, its wise and responsible suggestions can just as easily be applied to any type of student borrowing, including both student loans and bank loans. Looking at the long-term implications of borrowing rather than the short term is a key aspect to keeping debts to a minimum, especially as banks appear to be cutting back on credit card incentive offers this year according to Richard Brown, chief executive of credit card comparison website Moneynet.co.uk. One handy graphic used highlights both the benefits and risks of borrowing, and the guide also stresses the importance of choosing a particular financial product to suit your specific needs. For instance, while a credit card may seem like a convenient, short-term way to borrow money, the interest free grace period that often makes credit cards so enticing is always limited to a particular number of months; therefore, if you're thinking of borrowing money for more than a few months, it may be a better idea to take out a personal loan, such as Barclay's Professional Studies Loan which doesn't ask borrowers to start making repayments for up to nine months after you completing education.

The guide offers a handy Jargon Buster, explaining important terms like "APR" and "Monthly Interest Rates". It also offers advice on how to avoid credit card fraud, as well as how to handle the situation if you have been a target. More generally and importantly, it offers students a list of agencies which provide help dealing with debt. These include Choosing and Using, the Citizens Advice Bureau, National Debtline, Consumer Credit Counselling Service and Community Legal Service Direct. All these organisations, among a host of others aim to provide helpful and accurate advice encouraging responsible borrowing.

Sarah Quinn, APACS Director of Communications says, Nowadays, most students expect to be in debt when they graduate and whilst it might be impossible to avoid student loan debt, getting a handle on managing your finances can make the world of difference. We have an important role to play in educating all people, not just students, about responsible borrowing and the benefits and risks of using plastic cards."

By educating students on the dangers of using credit cards irresponsibly, and alerting them to other available methods of borrowing, like loans, APACS are providing a very valuable service, one that should be emulated by other organisations in time to come.

Michael is a keen writer living in Edinburgh. Michael's Website: Taxis Belfast

Enter your search terms Submit search form

More Useful Resource and Updates on how to spot fake credit cards

• TVA offers online permits for shoreline construction projects (Knoxville News Sentinel)
  Area residents planning small construction projects along the shoreline of the Tennessee River and its tributaries or TVA reservoirs may now apply for construction permits online.



• Online job hunters at risk of ID fraud (PC Advisor)
  CVs contain enough info to obtain a credit card Online job seekers are happily sending out personal information such as date of births and passport number when applying for jobs, which could be intercepted by cybercriminal.



• Expedia launches affiliate programme for agents in the UK (eyefortravel.com)
  Travel agents in the UK will have direct authorised access to Expedia inventory as the online travel company shared its plans to launch its Travel Agencies Affiliate Programme (TAAP) in the UK.



• More Than 1 Million College Students Offered Education in Practical Money Skills From Wells Fargo (Centre Daily Times)
  Wells Fargo & Company (NYSE:WFC) said it has offered Practical Money Skills for Life to more than 1 million college students the last five years. Practical Money Skills for Life features two online credit education lessons sponsored by Wells Fargo and Visa.



• Voter Groups Issue Election Report Card (The Epoch Times)
  The New York Public Interest Research Group (NYPIRG) with several other civic groups issued a report card grading Mayor Michael Bloomberg and the Board of Elections (BOE) in their performance in improving election operations.



• School?s in session - how to choose, use credit cards (Dothan Eagle)
  College students, listen up - especially freshmen. On campus this semester, credit-card companies are going to hunt you down. They will send credit-card solicitations to your dorm mailbox, staff tables around campus and offer you cool handouts if you apply for their card.



• Online resumes create ID theft risk (Yahoo! Tech Advisors)
  You are of course well-advised to keep your resume up to date these days, what with the economic malaise and rampant layoffs. It's probably a good idea to post it to online job services and apply for interesting jobs here and there... you know, just in case. Sadly, online job applications are also a great entry point for crooks looking to steal a few identities: All it takes is a fake job ...



• CreditCards.com: Weekly Credit Card Rate Report (Centre Daily Times)
  Annual percentage rates for credit cards barely budged, according to the CreditCards.com Weekly Credit Card Rate Report, as banks held rates steady despite a torrent of worsening economic news.



• Bart's Bytes: (Westerly Sun)
  Contrary to what many think, the Internet is the perfect place for credit cards. There is virtually no danger of the number being stolen in transit. I shop on the Internet almost exclusively. I?ve been doing it for years, all from the comfort of my home and office.



• Apply Online for Shoreline Construction (The Chattanoogan)
  Small projects include building a boat dock, pier or boat ramp or stabilizing the shoreline. Prior to beginning any construction activities on the shoreline, a TVA 26a construction permit is required.

• The FTC's website on Credit - Consumer Information: Credit Cards ...
  ... credit report, how to deal with debt, how to spot credit ... Explains credit card terms, how your balance is computed, and how to shop for the best deal. ...



• Spot the fake and win genuine designer clothing with B&NES Trading ...
  ... are if you buy faulty goods on credit cards and on how to deal with loansharks. ... companies have been invited to help visitors with advice on how to spot fakes. ...



• How to Spot a Fake
  How to Spot a Fake. • Is the price too good to be true? ... not charge sales tax or take credit cards, it signals an illegal transaction. ...



• eBay Guides - How to SPOT fake LV LOUIS VUITTON authentic guide 3
  ... serious value on eBay, if I am able to use my credit card and pay through PayPal. ... How to SPOT Fake LV LOUIS VUITTON: Authentic Guide # 4 ...



• 8 common scams: How to spot them and stop them
  ... to spot: You pay a fee in advance for receiving a credit card, loan ... a fake check, and the packages were paid for with stolen and fake credit cards. ...



• How to spot a fake web site - Phishing
  ... to fraudulently acquire sensitive information, such as passwords and credit card ... How to spot a fake web site - Phishing - 2 Emails ...



• Spot & Avoid Fake Degrees and Diploma Mills | EarnMyDegree.com
  Learn how to spot a diploma mill, ensure a degree is credible, and ... contact information and credit card number to a fake online learning website can ...