Part time Hot Jobs Available In Penang Malaysia

Apply for an EON bank credit card and get RM50 cash back

2010-04-09T07:34:00.000-07:00

Good news for everyone. If you plan to apply new bank credit card, now you get RM50 cash back rebate if you apply EON bank credit card from now until 30 June 2010.

Very simple, RM50 Cash Rebate is subject to a minimum of 3 approved transactions charged within 2 months from the credit card approval date. So you do not worry about government charge.

The minimum 3 transactions refers to both local and international retail & cash transactions (including Balance Transfer Instalments, Standing Instruction My Payment Plan Instalments, Call for Cash and MOTO transactions but not any form of inquiry transactions, Fees and Charges, Balance Transfer One-time Interest Fee) (“Qualifying Transactions”)

Cardholders will be awarded with RM50 upon fulfilling the above spend conditions. Eligible Cardholders are entitled to claim the Cash Rebate only once per customer throughout the campaign period.

So how!!, hurry up, apply EON bank credit card today and get RM50 cash back..

Maybank Limited Edition SonyCard Visa Credit Card

2009-08-30T01:47:00.000-07:00

Lifetime fee waiver credit card for everyone. New Maybank Limited Edition SonyCard Visa Credit Card with more benefits.

Benefits of Maybank Limited Edition SonyCard Visa Credit Card :

*0% Interest-Free Instalment Plan. Enjoy up to 36 months of 0% interest-free instalments at more than 3,000 participating outlets nationwide including Sony Style, Sony Centre and selected Sony Designated Store on Sony products*.*Maximum of 12 months instalment period for VAIO and Sony Ericsson.

*Earn 10X TreatsPoints for every Ringgit you spend on credit card purchase on Sony Products at Sony Style, Sony Center and selected Sony Designated Stores, earn 10X TreatsPoints

*Extend Your Warranty To 24 months*. Receive another 12 months warranty in addition to the standard 1 year warranty (2-years standard warranty for Sony BRAVIA Theatre) to ensure peace of mind when you purchase any Sony products with your SonyCard Visa.*This does not include Sony Ericsson, Playstation, IT projectors, CRT TV and Sony Product Accessories.

More benefits....

Apply today and enjoy benefits from Maybank Limited Edition SonyCard Visa Credit Card

Streamyx Combo With FREE Wireless Modem

2009-07-18T09:22:00.000-07:00

Streamyx Combo WiFi Home is an enhancement of existing Streamyx Combo package. It provides more value in term of mobility to enjoy wireless Internet connection at home. This package will replace any of existing Streamyx Combo packages and it is offered for new and existing Streamyx customers.

Becomes Streamyx agent, you can get up to 120% of sign up package .Email me for more detail:

cptan@gchsolutions.net

Maybank American Express Credit Card Get 8X Points

2009-05-10T18:52:00.000-07:00

Latest credit card deals from Maybank. Now you can get 8X points for all petrol and grocery spend nationwide with American Express credit card issued by Maybank and Maybank Islamic.

This is the best credit card promotion for everyone because only Maybank American Express card can get redeem point if spend at petrol station because other bank no point given if spend at petrol station.

This promotion starts from 15 April till 15 July 2009. This promotion is applicable to ALL American Express Charge & Credit Cardmembers issued by Maybank & Maybank Islamic, excludes corporate card & American Express Singapore Airline Krisflyer Gold Credit Card and non Membership Rewards enrollees.

More...

Wanted :Credit Card Sales Executive

2009-05-07T02:48:00.000-07:00

We are local based company and currently looking for Penang and Kedah area peoples for below position:

1. Full / Part Time Credit card sales executive ( 10 positions)

Responsibilities:

*To promote bank credit card and assist new customer apply credit card.

*Free and Easy job.

*Pro training provided.

*Roadshow and Free gift provided.

Commission:

*Up to RM200 per approval card

Send your personal detail to me at cptan@gchsolutions.net for more detail.

Or call me at +6019-4144214 for more detail.

Part Time Job - Credit Card Agent

2009-03-20T07:29:00.000-07:00

If you need extra income. Now is the timing for you. Currently we looking for credit card part time agent.

1. High Commission, up to RM180 per approval card.

2. Free and Easy job

3. Full set bank training provided ( class and materials)

4. Totally ZERO risk

5. Only open for Penang and Kedah area people

Hurry up!!! Email your resume to:

cptan@gchsolutions.net

Good Things Are Meant To Be Shared

2009-02-21T04:04:00.000-08:00

That's what they say, so why not share the good news with your friends and family today! Introduce them to to EON Bank Credit Card and share the benefits that both of you and your friends can enjoy.

For Your Friends:
Cool gift items awaits them when their EON Bank Credit Card approved. What's more, they get to enjoy the following privileges with their EON Bank Credit Card!

1.FREE For Life - cardholders will automatically enjoy a waiver on your annual fee for the first year. Subsequent year renewal fee will be waived if you spend at least 12 times on the Classic Card and 24 times on your Gold Card over the preceding 12 months.

2.FREE Personal Accident Insurance Coverage up to 12 month.

3.FREE Travel Accident and Inconvenience Benefits.

4.Zero Interest Installment Plan - up to 48 months zero interest installment.

5.24-Hour Customer Service

6.‘Bonus Plus’ Rewards Programme

For You:
1. A lot of money waiting for you. You will get up to RM150 per approved card.

2. Free training provided for you.

Hurry up! Become agent today and get extra income for your pocket.

Email: cptan@gchsolutions.net

EON Bank Credit Card New Promotion

2009-02-12T03:42:00.000-08:00

Valentine day gift for your lover

Eon bank credit card promotion. Valentine Day gift for your lover. Get a FREE sports bag when you sign up for an EON bank credit card for your lover.
Meantime, 5X bonus plus points for supplementary cardmembers when they charge purchange to their card during this promotion.
The Valentine Day gift promotion end on 30 April 2009.
Now, your loved ones will also enjoy the following exclusive benefits of EON bank credit card :
1. FREE for life - that's right, no annual free for the first year and subsequent annual fee waivers just by spending 12 times for Classic card, 24 times for Gold card and 36 times for platinum cards.
2. FREE personal accident coverage up to RM100,000
3. FREE travel accident and inconvenience benefits up to RM2,000,000.
4. Bonus plus rewards points programme.
5. Call for cash programme
6. "Privileges for life" programme and many more!

Hurry!! Become Credit card agent today and get extra income. Free and Easy job.

Email:cptan@gchsolutions.net

Part Time Credit Card Agent - Wanted

2009-02-03T03:25:00.000-08:00

Due to current economic downturn, a lot of factory start to reduce operation cost and reduce working day from 5 day to 4 day a week. All the staff start looking for part time jobs to secure the income.

Currently we looking for Part Time Credit Card Agent.

We offers:
1. Credit card training provided.
2. Free and Easy job.
3. High Commission,up to RM150 per approval card.
4. Zero Risk and Zero Capital.
5. Only open for Penang area only.

Hurry up!

Kindly send your personal detail to me :cptan@gchsolutions.net

你會不會列入裁員名單 !!!

2008-12-30T04:53:00.000-08:00

全球金融風暴下，不景氣瀰漫在各大行業,裁員潮大起。工作不好找，薪水又不高，好不容易找到的工作，又怕公司吹起裁員風，到底該怎麼辦呢？

因此很多人都想办法兼职或创业来增加第二份收入。不少马来西亚人想要创业却苦无充裕的资金。听了很多人说想要创业可以在网络上寻找资料，于是在网上就搜索关于创业赚钱的资料。是否您在搜索时常在网络上看见"网络赚钱"，"网络生意"，"在家办公"，"兼职赚钱",在家创业系统等等字眼而发出疑问呢?

而通过网络是否真的可以赚钱呢?

很惊喜的，答案是肯定的!事实上，您可以通过网络来赚钱。"GCH MY Blog Profit Coaching Program"将指导您如何在每一天赚取RM100-RM300!

Hurry Up !!! Only 20 Seat available !!!!!

FREE Training on 6/ 7 Jan 2009

聯絡我們: cptan@gchsolutions.net

Part Time Credit Card Agent -- Wanted

2008-12-18T21:28:00.000-08:00

Part Time Credit Card Agent

EON Bank Credit Card, FREE for LIFE credit card..

We looking for people for Penang area for above part time job.

High Commission,Free and easy job and training provided

Email me today:

cptan@gchsolutions.net

Credit Card Agent Wanted..

2008-12-04T17:02:00.000-08:00

The easiest credit card stuff affiliate program available in Penang Malaysia which allow you to generate revenue base on your own time.

We giving you the opportunity Introduce your friends to bank credit cards and get big Cash rewarded!

On the one hand, you get great cash incentive reward for each successful approved candidates that your refer to us. On the other, your fiends receive a free gift upon application (Credit Cards application only).

High Commissions - You can earn up to RM200 ++ per approved candidate.

Training - we provide offline training every week at our office in Penang Bukit Mertajam.

Your Roles is simply:
*Assist customer to fill up application form
*Collect necessary document
*Submit to our office

Joining is FREE, SIMPLE and EASY !!!!!

Email me today : cptan@gchsolutions.net for agent application.

*We will call you ASAP for interview..

P/S: We seldom accept agent Outside of Penang /Kedah State unless otherwise else which you will able to commit a reason-able of application submission in weekly or monthly basic.

部落格賺錢 @ 9/10 Dec 2008

2008-12-03T17:18:00.000-08:00

網路賺錢不再是從前詐騙集團的專利了，現在，你可以在網路上，透過正當的管道，幫你自己賺取第二份薪水！

自從Google的廣告能夠讓部落格使用者申請後，現在使用部落格廣告來賺錢已經成為再簡單不過的事了，你也想要使用部落格賺錢嗎？那你絕對不能錯過 Blog Coaching Program.

除了告訴你該怎麼使用部落格賺錢之外，還告訴你如何使用其他的網路賺錢工具，來幫你賺取第二份薪水。

想要輕鬆增加收入嗎？那你千萬不能錯Blog Coaching Program 的精彩內容!!!!!!

Venue:

64, 2nd Floor, Lorong Tembikai 1,Kawasan Perniagaan Sg, Rambai,14000 Bukit Mertajam, Penang.

Date:

9 / 10 Dec 2008 Tue/Wed

Time:

8pm to 10pm

Course Fee:

RM50.00

Blog Coaching Program @ 9 / 10 Dec 2008

2008-11-26T17:34:00.000-08:00

Due to GOOD response for market, our Blog Coaching program will continue on

Date: 9 /10 Dec 2008

Time: 8pm to 10pm

Venue: 64, 2nd Floor, Lorong Tembikai 1,Kawasan Perniagaan Sg, Rambai,14000 Bukit Mertajam, Penang.

Hurry up.. Register today only AT RM50.00 .. Only 20 seat available

Call me at +6019-4144214 for more detail...

人人都是兼職王 Blog Caoching Prorgam

2008-11-19T17:28:00.000-08:00

互聯網改變了一切！尤其是“網路兼差”，讓你在維持全職工作的同時，每個月還能賺取額外收入。

追根究柢，有下列幾個網路兼差的實戰方法：

●成為專業的部落客
部落格有如一本網路日誌，可以吸引讀者定期上網閱讀，如果能夠開個大受歡迎的部落格，就會有許多直接和間接的賺錢方法。

如果握有某個熱門主題的獨特內容，部落格可能成為你塑造權威形象和知名度的絕佳方法。只要用對方法，你就可透過很多不同的方式將知名度變成財富。

部落格的另一大特點是，能夠在Google等搜尋引擎贏得很高的排名。只要更新部落格內容，搜尋引擎的搜尋結果就會很快列入這些更新的內容。因此，部落格是建立兼職收入來源的絕佳工具。
運用部落格賺錢的營運模式如下：
1.以適當利基為主題，開設並經營自己的部落格：最好是目前正熱門的主題，而且是市場所需要的。
2.找出賺取直接收入的方法和機會：這些機會可能是銷售廣告空間；納入按點閱次數計費的內容相關廣告；出租網站空間給其他的部落客；銷售商品；建置好自己的部落格再轉賣其他人；讓讀者透過你設定的推薦連結登入其他網站，藉此賺取傭金。
3.善用可以賺取間接收入的方法：包括銷售顧問服務；靠自己的專家名聲收取更高的費用；靠演講賺取收入；把內容賣給其他網路事業體。

●加入網路廣告聯盟
簡單來說，網路廣告聯盟就是網拍業者的仲介商。如果提供的推薦連結能夠導引網友和網拍業者做成生意，就可以從中抽取傭金。
在網路上有成千上萬個加盟方案，全都是可以賺錢的方法。

廣告聯盟賺傭金
加入網路廣告聯盟賺取傭金，有各種不同的計算方法：
按行為計費──引導網友瀏覽該網站，並填寫申請會員等表格，就可以獲得傭金。
按成交筆數計費──根據實際成交的交易筆數計算傭金。
按點閱次數計費──每引導一位網友進入業者的網站瀏覽，業者就會支付一定金額的傭金。

善用網路廣告聯盟的營運模式,其實相當簡單：
1.找到理想的加盟方案並徹底瞭解。這很容易做到，也可以利用Google搜尋出一大堆不同的加盟網。

2.網站中放上加盟業者的連結。可以在自己的網站上做點“預評”，或推薦產品。“預評”就是坦白說明自己喜歡和不喜歡某項產品的理由，這種作法可以建立信任感和可信度，也能建立郵寄名單，讓你能夠利用這份名單吸引網友回到網站，繼續和你往來。

3.鎖定重點族群衝高網站的人氣。有很多策略可以達成這個目標，例如：利用Google關鍵字廣告等按點閱次數計費的服務；在其他網路電子報上刊登廣告；撰寫文章免費供電子報發行人使用；利用其他非網路的行銷機會。

4.追蹤目前的經營狀況，並隨時加以改進。確實記錄，藉此分辨各種有效和無效的方法。只要第一個網站賺錢，就要開始去尋找第二個利基，直到擁有好幾個網站，而且每個網站都能為你每個月的現金流有所貢獻為止。

想要輕鬆增加收入嗎？那你千萬不能錯過

Blog Coaching Program

Date:
25/26/27 Nov 2008
Time:
8.00pm to 10.00pm
Venue:
GCH Solutions Enteprise. Level 2 Training Room
Office : 64,2nd Floor, Lorong Tembikai 1,Kawasan Perniagaan Sg, Rambai,14000 Bukit Mertajam, Penang, Malaysia

Blog Coaching Program @ RM50

2008-11-13T17:27:00.000-08:00

網路賺錢不再是從前詐騙集團的專利了,現在，你可以在網路上，透過正當的管道，幫你自己賺取第二份薪水！

Blog Coaching Program

除了告訴你該怎麼使用部落格賺錢之外，還告訴你如何使用其他的網路賺錢工具，來幫你賺取第二份薪水。

想要輕鬆增加收入嗎？那你千萬不能錯過 Blog Coaching Program.

Date:

25/26/27 Nov 2008

Time:

8.00pm to 10.00pm

Venue:

GCH Solutions Enteprise. Level 2 Training Room

Office : 64,2nd Floor, Lorong Tembikai 1,Kawasan Perniagaan Sg, Rambai,14000 Bukit Mertajam, Penang, Malaysia

Register today only at RM50.00

Email:cptan@gchsolutions.net

Blog Coaching Program @ RM50

2008-11-11T22:29:00.000-08:00

You are probably working a full-time job and trying to earn an income from online in your extra time. But you are not getting anywhere. You are confused and discouraged.

You need the leadership of someone who has been there… someone who has already gone through the painful trial and error period… someone who can teach you the simple steps you need to follow…

If you’re certainly interested in making money from online, Blogging is the fastest, easiest, and (in my experience) best way to get started making money online. I have created numerous niche blogs and am earning good money using AdSense and Affiliate Marketing by just doing on part time.

Can It Really Be This Easy To make money from online !!?? IF YES

Here’s What You Must Do Now: So if you’re serious about make money from online in easy way, click the button below to register for 2hrs blogging workshops. It’s Free but you need to pay for one time **RM50** just for our compound & stuffing fee’s.

This 2hrs blogging workshop is not just a preview, but also you will going to learn basic skill for online blogging.

GCH Solutions Enteprise. Office Level 2.
64, 2nd Floor, Lorong Tembikai 1,
Kawasan Perniagaan Sg, Rambai,
14000 Bukit Mertajam, Penang.
25th, 26th or 27th November, 2008 - 8pm to 10pm

Chinese New Year 2009 Challenge

2008-11-10T20:42:00.000-08:00

Good News for all credit card agent:

There are a new challenge for next year 2009 Chinese New Year gifts for the TOP 3 agent.

Start from 01 Nov 2008 till 31 Dec 2008, if you can submit 100 submmission with full documents to our office. We will get you a BIG hamper before the mid of Jan 2009. You also have change to become the TOP 3 agents for below Prizes:

1st : Nokia Handphone

2nd : Sony Ericsson Handphone

3rd: Shopping voucher worth RM100

Happy selling!!!!

EON 0 % Call For Cash Plan

2008-11-06T19:17:00.000-08:00

Save More With EON 0% Interest Call For Cash Plan!

Now with latest EON BANK GROUP Credit Card 0% Interest Call For Cash Programme! We can now receive instant cash to offset our credit card outstanding balance, save more and counter price hikes with the following benefits and privileges:

Option Tenure One-timeHandling Fee
Plan A 6 months 2.99%
Plan B 12 months 4.99%
Plan C 24 months 10.99%
Plan D 36 months 14.99%

*One time handling fee applies, GIRO charges: RM2 per transaction for amount up to RM 100,000. Funds will be transferred to personal savings/current account with EON Bank on the next working day. Funds transferred via GIRO to other bank's personal savings/current account will take 2 working days.

信用卡

2008-11-05T20:16:00.000-08:00

國內十多家國內外商業銀行，每一家銀行推出好幾種信用卡。單單是選卡和選銀行，就已經費心思。

到底這麼多的信用卡，是否每一張都一樣？到底要選銀行，還是選卡？積分好，還是現金回扣實際？

無論如何，最重要的是符合本身的需求。當然，可以利率、費用和特性作參考和比較。

贈品
為了吸引大眾申請信用卡，豐厚贈品是突圍的策略之一。信用卡推銷員常掛嘴邊的一句話：申請不成功沒相關，至少可以先拿贈品。

獎賞
獎賞計劃能夠提昇信用卡和扣賬卡的價值。獎賞計劃會根據信用卡消費及簽賬所獲得積分，換取各項獎賞。當中包括各式各樣的禮品及服務、機票及旅遊度假優惠等。
隨著通膨壓力的升溫，直接的現金回扣，成為大熱的獎賞。算一算，一個月還可以省回好幾十令吉。
積分或現金獎賞，就看個人喜好。

回贈率
一些信用卡配套在特定的期限內，提供較低的年費和利息，或甚至首一兩年豁免年費。一些信用卡推銷員在推銷時，只給於片面解釋，或沒有說明實際的運作和條件。
當促銷期結束後，可能徵收正常或更高的收費。所以，一定要探清詳情。有疑問的話，應直接向發卡銀行詢問。

利息和費用
目前，由國家銀行制定的信用卡最高年息為18%，意味銀行可以向未償還貸款卡主施以更低的利息，介於3至5%的預支現金收費也有異。
所以，在決定申請該信用卡前，不妨以低息和低收費作考量，以及瞭解明白收取的方式。

信用卡特性
為了吸引大型商家的客戶，許多銀行與知名商家進行合作品牌，例如航空公司、油站、大型購物廣場、家具店等等。在相關的商家營業消費，可獲享更多的優惠和便利。
一些信用卡則是專為特定市場而設，例如女士卡所提供的優惠也以美容、健身等商店消費為主。
舉例來說，花旗銀行推出的亞洲航空信用卡、大華銀行推出的女士卡、安聯銀行推出的宜家之友等等。

對於時常在同樣商家消費和使用服務的消費者而言，申請相關信用卡，確實較有利。至於非常客，在其他地方使用信用卡消費的優惠其實並沒有多大分別。
不妨先考慮本身的需求，才決定申請哪一類型的信用卡。

通行程度
除外坡或出國，信用卡是重要的財務工具。尤其是常出國者，信用卡的世界各地的通行程度十分重要。
威士和萬事達，可說是全球最受歡迎的付款方案。至於發卡銀行是否重要，則不一定。對一些小商家而言，接納國際著名銀行信用卡的意願較高。
總結來說，信用卡確實是方便容易的付款工具，前提是獲得適當使用，沒有因為濫用引致更多的收費和罰款。

為了避免支付不必要的費用，以下是幾項小小的建議。
＊尋找提供最佳配套的銀行信用卡，尤其是豁免年費或加入費的信用卡。
＊若非萬不得已，不要預借信用卡現金，因為收費和利息十分昂貴。
＊在期滿前支付賬單，避免任何利息和收費。
＊儘量還清每月賬單，避免任何的利息收費。
＊根據本身的需要和能力，限制持卡數量。

Email me for the best credit card for yourself.....

Streamyx Combo Packages

2008-11-01T04:06:00.000-07:00

Package : Streamyx Mobility

- FREE wireless modem- Broadband access @ streamyx Zone locations

- Single ID

- FREE italk buddy account @ http://www.italkbuddy.com.my/

Monthly Subscription Fee

- Add ON Extra RM10.00 per month

Description

-Streamyx Combo goes mobile @ over 1,200 Streamyx ZONE nationwide.

Email me today for Streamyx subscription and get extra FREE gift ....

Email: cptan@gchsolutions.net

EON Credit card Balance Transfer Plan

2008-10-31T06:30:00.000-07:00

EON Credit card Swipe for 100 % cash back

2008-10-30T08:38:00.000-07:00

Campaign Start Date: 1 Nov 2008

Campaign End Date: 29 Feb 2009

Eligible Participants:
EON Credit cardholders (Principle & supplementary)

•Base on the 6-digit approval code appear in the sales draft.

•Qualifying criteria :
a) Last 3 digit of Approval code – “888”
b) Minimum Retail Spend & Cash Advance
transaction of RM50 to max cap of RM10,000.

Winners are required to answer ONE simple question correctly to win the 100% cash back.

Cash Rebate Pay out

credited in the next billing statement from the day the winners are identified

* Email me today for new credit card application or become credit card agent..

EON Bank MATTA Gold & Platinum Credit Cards

2008-10-29T18:07:00.000-07:00

Earn Up to 50 X Cash Points

As our valued MATTA cardholders, you now have the privillege to earn up to 50 X Cash Points when you use your MATTA card at any of our participating merchants or travel agencies!!!!!!

Features & Benefits:
1.FREE for life
2.FREE Entrance to MATTA FAIR 2008 Via VIP lane
3.FREE entry to plaza premiun lounge
4.FREE personal accident insurance coverage
5.FREE travel accident and inconvenience benefit
6.Travel personal accident and medical insurance coverage
7.Privileges for life programme
8.MATTA card loyalty programme
9.Call for cash programme
10. 0 % interest balance transfer plan
11.Zero interest installment plan
12.My payment plan
13.3-D secure online payment.

*The above offers subject to the terms and conditions of each features and benefit respectively.

* Kindly submit your personal detail for become OUR credit card agent....
*Free training provided for new agent and high commission..

email: cptan@gchsolutions.net

Credit card Debt Solutions

2008-10-07T17:59:00.000-07:00

Facing Credit card debt !!!!!

-Stressed and never-ending efforts to settle credit card debt.

-Headace to receive call from bank on oustanding amount evert day.

-Facing bankruptcy problem due to unfortable credit card outstanding.

Let us reduce your credit card debt up to 50 % for you ... never suffer debt anymore...

Benefits
*Refresh your bad credit card record to avoid blacklisted
*Reduced monthly commitment
*Up to 36 month installment plans
*Interest as low as 6% per annual compare normal rate 18%
*Guaranteed 100 % Approval

*30min processing time

Email me back for you request:
1. Total amount of debt to settle for your credit card
2. Your H/P no

(Our credit card debt service available for Penang area ONLY)

Say NO to overspending

2008-08-28T08:51:00.000-07:00

Here are few tips to help get your finances in check.

Be aware of how much money you spend
Many chronic spendaholics live in denial about how much they spends.If you realiase how much you spend on various items, this alone may be sufficient to reduce your spending.

Avoid impulsive spending
If you see something you want to buy, try waiting a day before buying. If you really want it, you will come back plus this also gives you the chance to find other things that may be better.

Don't spend time where it is easy to spend money
If you spend a lot of time in shopping centre, you might naturally be drawn to spend money. This spending is mainly to relieve our berodom and to because you need to buy it.

Get your finances in control !!!!!

Do you need extra income money... Just email me for more detail !!!!!

New credit card interest rates structure 1 July 2008

2008-08-13T20:04:00.000-07:00

It pay to practise good finacial discipline! Starting 1 July 2008, there will be a nationwide change to Malaysia's credit card interest rate structure. A new Tiered Interest Rate Structure will be introduced by Bank Negara Malaysia to reward those who pay their credit card bill promptly.

1. Pay on time to enjoy lower interest
Reduce your standard 18% p.a to 15% p.a by paying your credit card bills promptly for 12 consecutive months. If you have no payment delays for 12 month in a year, you start to enjoy a lower interest rate on the 13th month. We understand that sometimes you are late for reasons beyond your control, so for those who pay promptly for at least 10 out of 12 months, you will also enjoy a lower interest of 17 % p.a
* Minimum amount due must paid within the due date.

2. Late payment penalty will increase
Late payment on the other hand will lead to increased charges. Late payment charges have benn revised to a minimum of RM10 OR 1% of total outstanding balance, whichever is higher, up to RM100.

3. Revised interest-Free period for retail transactions
Interest-Free period for retail transactions will now be 20 days from statement date ONLY IF all retail transactions(excluding cash advance, balance transfer and installment payment plan programmes) of the previous month are fully paid by the payment due date.

This means, if you make partial payment, minimum payment or do not make payment on or before the payment due date, finance charges will be imposed from the day the transaction is posted to the card account.

So start managing your credit card bills efficiently and begin to enjoy lower interest rates !!!

想要创造网络财富吗？

2008-08-06T01:16:00.000-07:00

通过网上行销训练，我们会指导您如何在没有信息技术和产品下在国际互联网络创造网上金钱的秘密和技巧。接下来我们也会告诉您…

*如何寻找高回酬的利基市场？如何确定好的Keyword 来吸引更多的访客？

*如何吸引每个月超过1000人次的高素质的访客。

*免费学如何达到Google Search Engine 前十名！我们会指导您最优化的Do-it-Yourself Google Search Engine Optimization。

*如何免费制作自己的部落客网页？您也会学到如何利用Google Adsense来赚取金钱。

*如果您没有产品或服务，我们会引导您如何找/创造热门产品或计划以便您能通过国际互联网络赚取真实的金钱和收入！

*如何通过接受信用卡获得网上付款而不必通过e-Commerce商业户口！

改变自己成为一位网上行销者和大量增加收入，报名容易和有效的五小时网上生意课程！课程费用不需RM500/RM400/RM300只需区区的RM200而已!!!!!

抱握这疯狂的机会！！

Our website sample:

http://www.creditcard2u.net/

Please book your seats with

GCH Solutions
64,1st Lorong Tembikai 1,Kawasan Perniagaan Sg Rambai,14000 Bukit Mertajam,Penang.
Contact: Edmund Tan 019-4144214
Email:cptan@gchsolutions.net

Wanted: Part Time Officer

2008-07-04T01:01:00.000-07:00

Wanted : Malaysia Northern Area Part Time Agent

1.Job Program: Credit Card Sales
Your Job Roles:
1)Assist customer to fill up application form
2) correct necessary document
3) Submit to office.

Earning: Earn up to RM150++ Commission per approval credit card for the applicant referred by you.

Easy Job reason: 1) Customer get the cards FREE and you earn money too!

Remark: Training Provide

2.Job Type: Credit Repair Service

Your Job Roles:
1)Bring your Customer to the office, we will do the rest.

Earning: Earn up to 3% from a total credit amount that the customer request for repair or withdrawing into cash from his card.

Easy Job reason:
1) You help customer saving up to 36% credit interest for 3 years.
2) fulfill Customer cash flow.

Hurry Up!!! Call me back for interview !!!

Online Marketing Courses

2008-06-16T23:21:00.000-07:00

Bayan Baru, Penang Training Centre
Bukit Mertajam, Penang Training Centre

DO You Ever Thinking To Make Money On The Internet!

What If We Could Show You A Way Starting A Free Online Business From Scratch Even Without IT Knowledge OR Own Products To Sell... And Still Enable You To Make Real Money For Your Life Working Just From Home And Running 24/7 Days A Week, Non-Stop … Would That Interest You ?

Dear Malaysian Fellow - Internet Newbie or Beginner,
Many people are making a lot of money from the internet. Every day there are people sitting at home, watching TV or playing with their kids and still making money. . . You Can Too !

If You Ever Think To Starting Online Marketing But Have NO Business Ideas, Product or Service! We’ll show you how to Find Hot Product’s or Programs to market online and start make money online for your life working just from home and running 24/7 days a week, non-stop…

You can start your own business with virtually no money. This complete Online Marketing Courses teach you from A to Z internet marketing secret & skill that you could start an Internet or online business from scratch and make money online even without IT knowledge or products to sell.

In our Online Marketing Courses & Coach, we will Take You By The Hand And Walk You Step-By-Step Through The Process Of Learning What You Absolutely Must Know To Succeed Online!

Many are saying "Its About Time"...And Now its your chance To cash in and become a confident, knowledgeable internet marketer in just a 4 hours online marketing courses!

we going to show you...

1.How to Create or Find a hot product right away to sell with a hungry online market that you can start making REAL money from the internet and generate passive income for your life!.

2.Reveal How to drive 1,000+ traffic to your way by getting top rankings in Google search engines every month, for FREE. with a step by step Do-It-Yourself Google Search engine optimization!

3.How to Setting up Google Adwords and start profit Online immediately even without Own a Site.

4.How to setting up your own site for FREE in a matter of days even if you don't have any web design and programming skills

5.How to add revenue streams to your site and make money 24/7 without selling anything.

6.How to get online payment facilities to accept credit card without an e-Commerce merchant account - a step by step guide teach you how to set it for your own.

8 reasons why the "Internet Lifestyle" is so cool...

*You can work

*WHEN you want!

*WAKE when you want

*No staff to pay

*No premises to rent

*Freedom, you business can be nearly 100% automatable

*Create as many business as you want

*Beginners can do itLots of money to be made.

Transform Yourself Into An Internet Marketer And Make A Huge Fortune From the Internet Quick, Easy And Effective Way. . . For Just One-Time RM200 for a 4 Hours Complete Course Plus Course Material !

Believe It, You Will NOT Find Any Internet Course in Such A lowest Price Anywhere Else!

To Book Your Seat & Lock Your Membership NOW!

Email:cptan@gchsolutions.net

H/P:+6019-4144214

Make Money Taking Surveys

2008-05-29T22:55:00.000-07:00

Latest Hot Job

2008-04-10T06:55:00.000-07:00

Job Type: SMS software System Sales + Referral Program

Your Job Roles:
1) Introduce the powerful sms software system to individual or small business company.

2)Earning: Earning depending on entry level of your customer choose. Can be up to RM160.

Looking For: Full time or part time Business

Easy Job reason:
1) The product easy to introduce &.accept by other,
2) Customer only pay one time charge & enjoy life time utilize the system.

Remark: Training Provide

Latest Part Time Hot Job

2008-04-04T23:52:00.000-07:00

Job Program: Credit Card Sales

Your Job Roles:
1)Assist customer to fill up application form,
2) correct necessary document
3) Submit to office.

Earning: Earn up to RM150++ Commission per approval credit card for the applicant referred by you.

Looking For: Full time or part time

Easy Job reason: Customer get the cards FREE and you earn money too!

Remark: Training Provide

TmNet Streamyx Packages Unlimited Online and Free Modem Only RM 60 /per month

2008-03-29T00:09:00.001-07:00

Email me at cptan@gchsolutions.net for register and get Extra FREE gift....................Hurry up..

Become TmNet Streamyx Program Agent

2008-03-19T06:58:00.000-07:00

Introduction of tmnet Streamyx broadband

Experience the Internet like never beforeWith tmnet streamyx, you get broadband access service, which stays perpetually connected to the Internet with speed bandwidths of 512k up to 2mbps.
So, now when you download your favourite songs, movies, music videos and even accessing your favourite websites, you won't have to wait for ever and ever, leaving you with more time to enjoy the Internet as you like.
Broadband your life today and experience the World Wide Web like never before.

TMnet Streamyx Packages

Tmnet streamyx offers better value than ever with our exciting new packages! tmnet streamyx brings the web's rich multimedia content to life, at up to 100 times the speed of an ordinary Internet connection. There's simply no better time to give your home or office the broadband advantage with tmnet streamyx.

Enroll TM Streamyx Program Agent

For Registration? email to me at cptan@gchsolutions.net with the tittle of "Join Streaymx Program". We will review your application and respond to you. You will get up to 120% commission of the packages sign up.

What is part time job ?

2008-02-29T04:16:00.000-08:00

A part time job is a job in which an employee does not work full hours. Employment in a part-time job has advantages and disadvantages which need to be carefully weighed when one is considering employment options. Typically, an employment announcement or job vacancy listing will indicate whether a position is full or part time, as the number of hours offered is important to many people. Part time jobs may also be referred to as part time employment.

A part time job often has the advantage of more flexible hours. Sometimes employees can at least partially dictate their own schedules, thereby setting up a job which is in alignment with life and other needs. Part-time jobs may also offer benefits such as discounts to employees, and in some regions of the world, as long as employee works at least half time, he or she is eligible for other employee benefits as well. These benefits may include sick pay, insurance, payments into pension funds, or vacation time. In other cases, these benefits are not offered; this is one of the biggest disadvantages of a part time job.

In some cases, a part time job may be seasonal in addition to having less available hours. Many companies, for example, hire extra employees during the holiday season to ensure that the needs of their customers are met. Seasonal employment can be a convenient way to make some extra cash; some people, for example, take a part time seasonal job in addition to a regular job. However, people should not become accustomed to relying on seasonal employment, as it is vulnerable to economic fluctuations.

The training offered at a part time job varies. In some cases, part time employees will be limited to basic positions, since the company many not want to invest in extensive training. In other cases, employers offer more options and flexibility, sometimes in the hopes of attracting long-term full time employees. As is the case with a full time job, when another position opens up in a company, current employees may be encouraged to apply, thus moving up through the ranks.

Many students work part time jobs to supply themselves with additional funds. Working part time is ideal for students, since it allows them to balance their academic needs with their school needs. Often, a school will provide a list of available part time jobs for the benefit of students, and many college towns deliberately tailor their openings for students.

If you currently looking for extra income with free and easy job... important with ZERO investment and high return.. Email me at: cptan@gchsolutions.net

Can A Family Man With Salary RM3000 Survive In Malaysia !!

2008-02-25T06:53:00.000-08:00

Can A Family Man With Salary RM3,000 Survive In Malaysia ...!

Let's do some simple calculations here.
In Malaysia , the average family income is RM3,000 /month
(where father works, mother doesn't).
I understand there are many families whose
monthly income does not reach RM3,000,
but, to make things simple,
let's take RM3,000 as the figure. Ok lah, right?
Okay, let's start rolling with a family which has
Papa, Mama, 1 daughter and 1 son. Ngam-ngam ....
Calculation starts...

Electricity and water bill: RM100
(No air-con, No home theatre, No water heater ... ok?)
Phone bill ( Telekom): RM100

Meals for a happy family: RM775
(3 meals on RM25/day, RM25 for 4 persons...?)

Papa makan / teh-tarik during working hrs: RM155
(RM5/day, RM5 ... can eat what?)

Car repayment: RM400
(A proton saga aeroback, 7 yrs repayment)
Petrol (living in city, traffic-jam): RM300
(go to work, bring son to school,
only can afford one car running)

Insurance: RM650
(kids, wife and myself)
House repayment: RM750
(low cost housing repayment for 30 yrs,
retired still have to work to pay!)
Tuition: RM80
(got that cheap meh? i don't think so)
Older children pocket money @ school: RM20
(RM1/day, eat bread?)

School fees: RM30
(enough ah?)

School books and etc: RM100
(always got extra to pay in school)

Younger children milk powder: RM50
(cannot have the DHA, BHA, PHA one, expensive)
Miscellaneous: RM100
(shampoo, rice, sauce, toilet paper)

Oh wait!!! I have to stop here, so...
No Astro,
no movie @ cinema,
no DVD,
no CD,
no online,
cannot KFC,
cannot McDonald,
cannot go Park walk during weekend (petrol expensive),
no chit chat on phone with grandparents, and etc...

Let's use a calculator to total up... RM3,610 already...

So how !!!! The conclusion is you need to find more part time job to
increase your income
And important thing is you need find Zero cost part time job !!!!

The 1st Question during interview - Tell me about yourself

2008-02-25T05:02:00.000-08:00

The 1st Question during interview - Tell me about yourself

Tell me about yourself is a question that most interviewees expect and it is the most difficult to answer as well. Though one could answer this open-ended question in a myriad of ways, the key to answering this question or any other interview question is to offer a response that supports one's career objective. This means that you should not respond with comments about your hobbies, spouse, or extra curricular activities. Trust me, interviewers are not interested. To start with there is no correct answer to this interview question. I would lean in the favour of a quick reference to some personal traits that give a quick view of who you are. From there one could move to a one sentence of any relevant education/qualification. There should also be a mention of employment history.

Purpose of the Question:
In one of my write-ups, Across the interview table, I did mention that there is a purpose to each and every question in the interview. One cannot ask anything and everything. Again, a set of interview questions varies from industry to industry and position to position. Interviewers use the interview process as a vehicle to eliminate your candidacy. Every question they ask is used to differentiate your skills, experience, and personality with that of other candidates. They want to determine if what you have to offer will mesh with the organization's mission and goals.

What type of answer is expected?
Try to avoid this type of answer: I am a hard-worker who is good with numbers. After I worked as a financial analyst for a few years, I decided to go to law school. I just finished and now am looking for a new challenge.

Say something like this: I began developing skills relevant to financial planning when I worked as a financial analyst for three years. In that role, I succeeded in multiplying the wealth of my clients by carefully analyzing the market for trends. The return on the portfolios I managed was generally 2% more than most of the portfolios managed by my company. My initiative, planning, and analytic skills were rewarded by two promotions. As the manager of a team, I successfully led them to develop a more efficient and profitable strategy for dealing with new accounts. My subsequent training in the law, including tax law and estate law, gives me an informed view of what types of investments and charitable gifts would be most advantageous for your clients.

Preparing for the answer:
Follow the following steps as outlined below to ensure your response will grab the interviewer's attention:
Provide a brief introduction. Introduce attributes that are keys to the open position.
Provide a career summary of your most recent work history. Your career summary is the "meat" of your response, so it must support your job objective and it must be compelling. Keep your response limited to your current experience. Don't go back more than 10 years.
Tie your response to the needs of the hiring organization. Do not assume that the interviewer will be able to connect all the dots. It is your job as the interviewee to make sure the interviewer understands how your experiences are transferable to the position they are seeking to fill.
Ask an insightful question. By asking a question you gain control of the interview. Don't ask a question for the sake of asking. Be sure that the question will engage the interviewer in a conversation. Doing so will alleviate the stress you may feel to perform.
There you have it: a response that meets the needs of the interviewer AND supports your agenda.
When broken down into manageable pieces, the question "So, tell me about yourself?" isn't overwhelming. In fact, answering the question effectively gives you the opportunity to talk about your strengths, achievements, and qualifications for the position. So take this golden opportunity and run with it!

When asked by different people?
HR managers or CEOs of the company or the Departmental Heads can ask the same question and your answer should vary. The expectation of each person is different.
When asked by the HR Manager your response must be like this: "My career has been characterized by my ability to work well with diverse teams. I seek out opportunities to involve others in the decision-making process. This collaboration and communication is what has enabled me to achieve success in my department. People are the most valuable resource of any organization."
When asked by the CEO your response must be like this: "I have achieved success in my career because I have been focused on the bottom line. I have always sought out innovative solutions to challenging problems to maximize profitability. Regardless of the task or challenge, I always established benchmarks of performance and standards of excellence. I have never sought to maintain the "status quo." An organization that does not change and grow will die. I would enjoy working with you to help define new market opportunities in order to achieve the organization's goals."
In each instance, we responded to the "needs of the individual." It is almost guaranteed that when you respond appropriately to the diverse needs of the different managers, you will become the standard by which all of the other candidates will be measured.

Conclusion:
The question is very tricky and being the first question of the interview.one need to be a bit more careful in answering the same. This question can make or break the interviewer's interest in you

By Sanjeev Sharma

Good Interviews tips for interviewees

2008-02-25T04:48:00.000-08:00

Good Interviews tips for interviewees

1.Research as much as you can about the company - products, services, markets, competitors, trends, current activities, priorities.

2.Prepare your answers for the type of questions you'll be asked, especially, be able to say why you want the job, what your strengths are, how you'd do the job, what your best achievements are.

3.Prepare good questions to ask at the interview.

4.Related to the above, request a copy of the company's employment terms and conditions or employee handbook before the interview, in order to save time covering routine matters during the interview.

5.Assemble hard evidence (make sure it's clear and concise) of how what you've achieved in the past - proof will put you ahead of those who merely talk about it.

6.Have at least one other interview lined up, or have a recent job offer, or the possibility of receiving one from a recent job interview, and make sure you mention it to the interviewer.

7.Make sure your resume/cv is up to date, looking very good and even if already supplied to the interviewer take three with you (one for the interviewer, one for you and a spare in case the interviewer brings a colleague in to the meeting).

8.Get hold of the following material and read it, and remember the relevant issues, and ask questions about the areas that relate to the organisation and the role. Obtain and research: the company's sales brochures and literature, a trade magazine covering the company's market sector, and a serious newspaper for the few days before the interview so you're informed about world and national news. Also worth getting hold of: company 'in-house' magazines or newsletters, competitor leaflets, local or national newspaper articles featuring the company.

9.Review your personal goals and be able to speak openly and honestly about them and how you plan to achieve them.

10.Ensure you have two or three really good reputable and relevant references, and check they'd each be happy to be contacted.

11.Adopt an enthusiastic, alert, positive mind-set. If yoiu want some help with this try the 'I Am' self-belief page.

12.Particularly think about how to deal positively with any negative aspects - especially from the perspective of telling the truth, instead of evading or distorting facts, which rarely succeeds. See the CV pointers about this - it's very significant.

13.Try to get some experience of personality tests. Discover your personality strengths and weaknesses that would be indicated by a test, and be able to answer questions positively about the results. (Do not be intimidated by personality testing - expose yourself to it and learn about yourself.) To understand more about personality testing and the underpinning theory - and to find out more about yourself in this respect - see the section on personality theories and make time to read and understand it.

14.Think about what to wear. Nice and comfortable

15.Some jobs invite or offer opportunity to re-define or develop the role itself. It might be a existing role or a new position. If so prepare for this. Most jobs in fact offer this potential, but sometimes it is a stated requirement.

FAQ for Mastercard card holder

2008-02-23T18:00:00.000-08:00

FAQ for MasterCard card holder

1.Are MasterCard® cards accepted globally?
MasterCard® is accepted around the world at retail outlets and ATM machines, where you see the MasterCard (or Maestro®/Cirrus®) sign. Currently, you can use your card in more than 22 million locations worldwide.

2. Who should I call if I have problems with my MasterCard card?
If you experience problems with your card, you should contact your issuing bank, whose number will be printed on the back of you card. You can also call our free-phone global Cardholder Services number.

3.What should I do if I have lost or had my card stolen?
If your card is lost or stolen, you should contact your issuing bank immediately. As a precaution, we suggest that you keep a note of this number separate from your cards/wallet. For help when abroad please see Cardholder Services and contact the number for the country you are in.

4. Where can I get a list of MasterCard/Cirrus ATM locations?
MasterCard/Cirrus ATM network gives you immediate access to cash wherever you go. To locate an ATM in a particular place, try our ATM Locator or contact your financial institution.

5.What is the ATM?
An Automated Teller Machine (ATM) allows customers to perform banking transactions anywhere and at anytime. By using a debit or ATM card at an ATM, individuals can withdraw cash from checking or savings accounts, make a deposit or transfer money from one account to another or perform other functions. You can also get cash advances using a credit card at an ATM. Individuals should be aware that many banks charge transaction fees for using another bank’s ATM.

6. How do I get emergency assistance from MasterCard while traveling away from home?
Call Emergency Services with any card-related need from anywhere in the world. Our global directory will help put you in touch with a representative who speaks your language -- 24 hours a day, 365 days a year.

7. How do I request a larger line of credit for my credit card account?
The best approach is to talk to the financial institution that issued your card. Contact information can usually be found on the back side of your MasterCard card or on a billing statement.

8. How can I find out information about my existing MasterCard accounts (such as changing my contact information or requesting additional cards)?
All account-specific information is managed by the bank that issued your card. Contact the customer service department of your bank directly. Contact information can usually be found on the back side of your MasterCard card or on a billing statement.

Studies with Kong Zi manages finances

2008-02-22T20:33:00.000-08:00

Studies with Kong Zi manages finances

A minute does farm work, a minute harvest, the accumulation wealth
with plants the grape to be same. Is good at the managing finances
accumulation the wealth being supposed to be more, the picture is
good at the planting harvest being richly same. Wants to have the
beautiful vineyard, must learn each kind to plant the skill,
diligently does farm work; Must change richly, must learn the skill
which manages finances, diligently makes great strides forward to the
goal.

The grape is sweet, eats the person, please don't with self-deception
said the grape is sour! Wants to eat the grape the speech, must go
plants the grape, if looks others vineyard envy to be jealous, said
some "the grape is sour" releases the angry words; Would rather own
personally construct own vineyard, that is more actual.

The person to the wealth manner, with is actually same to the sweet
grape's manner. Everybody all want to live abundantly, all wants to
get rid impoverished, but when is contrary to what expects, some
people can face the reality, is content to lead a humble but virtuous
life, but some people actually cannot, change resent the world and
detest mundane affairs, even can hate the person riches and honor to
tire of the person poorly. Sage Kong Zi really is worth each reference
to the wealth manner.

Kong Zi believed, if the wealth is a speech which may ask, what works
he also to be willing to go does; Asks to have speech, even if has
wanted the green tea simple food life, he also can be content to lead
a humble but virtuous life. The wealth is a shame not in order to,
also take is not poor as the shame, looked others riches and honor,
certainly cannot be jealous. Regardless of poor and is rich, all can
treat the wealth by the positive manner.

By the day, the spiral richly by is greatly richly thrifty. Infinite
wealth, also is that spot not worthy of mentioning pocket money starts
from the hand. Today starts to educate the child to save in the hand
that money!

(Author for Associated Press property management administration
president Dr. Shi Dechih)

How to make yourself become 100%

2008-02-13T04:04:00.000-08:00

How to make yourself become 100%

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26

If you work hard in your life, it not mean you can become 100% because
Work hard
23+15+18+11+8+1+18+4=98%

If you success in your life, but it still not 100% for you. Become
Success
19+21+3+3+4+19+19 = 88%

If you depand lucky in life, you totally can't 100% in your life because
lucky
12+21+3+11+25=72%

But if you have good attitude in your life, then you will become 100% in your life
attitude
1+20+20+9+20+21+4+5=100%

So, attitude is very important in your life.............

Credit Card holder knowledge

2008-01-31T00:17:00.000-08:00

Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge.
It's not always possible to prevent credit or charge card fraud from happening. But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility.

Remember:
1.Sign your cards as soon as they arrive.

2.Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.

3.Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.

4.Keep an eye on your card during the transaction, and get it back as quickly as possible.
Void incorrect receipts.

5.Save receipts to compare with billing statements.

6.Open bills promptly and reconcile accounts monthly, just as you would your checking account.

7.Report any questionable charges promptly to the card issuer.

8.Notify card companies in advance of a change in address.

Don't:

1.Lend your card(s) to anyone.

2.Leave cards or receipts lying around.

3.Sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total.

4.Write your account number on a postcard or the outside of an envelope.

5.Give out your account number over the phone unless you're making the call to a company you know is reputable.

6.Reporting Losses and Fraud If you lose your credit or charge cards or if you realize they've been lost or stolen, immediately call the issuer(s). Many companies have toll-free numbers and 24-hour service to deal with such emergencies

The Benefit of Using Credit Card vs Cash or Cheque

2008-01-30T00:36:00.000-08:00

Using credit cards gives you a number of benefits that you don't get when paying with cash or cheque. The following are the 10 key benefits of using credit cards.

Convenience
Credit cards offer no-hassle shopping - no cash, no checks, no additional identification.

Security
Lost cash can be used by anyone. If you lose a credit or debit card, report it to the bank that issued the card as soon as possible and you may be protected from unauthorized use of your card. However, different banks may have different liability policies, consult your bank if they offer any liability waiver.

Emergency Protection
A credit card will get you through almost any emergency you can think of. It's like a security blanket that will cover you, in most situations.

Universal Acceptance
Some credit cards are accepted at as many as over 20 million merchant locations worldwide. Try that with a personal check! If you need cash, you can get it at ATMs or banks around the world that accept your credit or debit card.

Simplified Record-Keeping
Credit cards give you a record of all your transactions for the month, so keeping track of where your money goes is easier.

Consumer Protection
When you purchase goods or services with a credit card, you have more clout if a product is not satisfactory because your card issuer may intervene on your behalf. Once you have already paid by cash or check for an item, the merchant may not be too interested in making adjustments. Consult your card-issuing bank clearly what are their policies regarding cardholder's disputes with merchants.

Value-Added Benefits
Many credit cards offer rebates, cash refunds, contributions to your favorite charity, or other special value-added benefits that you won't get with paying by cash.

Flexibility
You're at the mall and see something you really need that's on sale for a limited time. You don't have the cash to pay for it right now, but you hate to miss out on the big savings. A credit card allows you to take advantage of sales and special offers, and then pay for your purchases according to your personal spending plan.

Easier Budgeting
With a credit card, you can plan to finance a major purchase and pay it off on a schedule that fits your budget.

Essential for Mail, Phone or Internet Purchases
A credit card is essential for renting a car or booking a hotel room. Wherever you travel to around the world, a credit card is the universal guarantee of your good financial standing. A credit card also simplifies and speeds up mail ordering and currently is the only way to make Internet purchases.

What Is Part Time Job

2008-01-29T23:22:00.000-08:00

What Is Part-Time Job

Plenty of part-time jobs are available for teens, college students, moms, retirees, and anyone seeking to earn extra money .increase your income in a sense of easy job , non strength targeted goal and none time consuming way... Employers often prefer to hire part-time workers since they typically don't have to provide benefits. Many leading employers of part-time workers accept online applications.

Here is the some part time job opportunities open for everyone:

1.Credit Card Sales

2.Credit Card Terminal

3.Bad Credit card Repair

What Is Credit Card Terminal ?

2008-01-29T23:03:00.000-08:00

A credit card terminal is a device that business owners who specialize in retail sales find very handy. This small machine comes in a few different forms, but all have the same purpose: to authenticate the credit cards handed over by customers in order to pay for goods and/or services.

The primary purpose of a credit card terminal is the protection of the retailer who employs it. If a retailer accepts as payment a credit card that has expired or been stolen or that is otherwise invalid, then that payment will never be made and the retailer will have essentially given those goods or services away. This is an eventuality all retailers want to avoid, so many find it necessary to employ at least one credit card terminal.

The most commonly viewed credit card terminal these days is one that has a keypad and a sliding slot. The retailer slides the credit card through the slot, in the process recording the data set on the magnetic strip on the back of the credit card. In many cases, the retailer must also use the keypad to type in the last four digits of the credit card number as a secondary form of security.

The data is sent from the credit card terminal to a verification center, which sends a thumbs-up or thumbs-down message back to the retailer. If everything is A-OK, then the retailer can accept the credit card as payment for goods or services rendered. If the card is declined, however, the retailer has the right to refuse the sale.

The typical credit card terminal is connected to a phone line. The credit card terminal acts as a sort of modem, transmitting the data to the verification center. Not every credit card terminal is like this, however. Some are wireless, relying on Wi-Fi or cellular communications for data verification.

Some models of credit card terminal do not require any interaction on the part of the retailer. These automatic models do the data transmission themselves, repeating the message that comes back from the verification center, usually in light emitting diode (LED) form. This kind of credit card terminal is found commonly in stores that allow customers to run their own checkout procedures.

Another kind of credit card terminal does not allow instant verification. This model simply stores the data received from the credit card swipe, prints out a receipt if the customer requires it, and can transmits all data for all credit card transactions in one batch to the verification center. This kind of credit card terminal is found routinely at outdoor or mobile events, where the availability of phone lines is low or nonexistent and the retailer does not have access to a wireless credit card terminal.

Lastly, a rather new kind of credit card terminal is a Web-based service. Credit card verification can be accomplished online. If you buy things online, then you are accessing a Web-based credit card terminal. No swiping takes place except the virtual kind. Verification is nearly instantaneous.

What is Credit Card ?

2008-01-29T18:38:00.000-08:00

What is a Credit Card?
If you own a credit card, you are authorized to charge purchases against a pre-approved line of credit. Credit cards may be issued by banks, retailers, and other credit grantors. Some card issuers charge an annual fee to cover account-servicing costs, others do not. After making purchases with a credit card, they become payable after a Grace Period during which no finance charge is imposed. Afterward, the balance due may be paid in full or paid down in monthly installments with interest. This is commonly known as revolving credit. Some card issuers charge credit card interest from the purchase date whether the cardholder's account has an outstanding balance or not. Credit card interest rates, interest calculations, annual fees and repayment terms may vary considerably among cards.

Credit Cards: Pros and Cons Credit has both advantages and disadvantages. By understanding your responsibilities and using it wisely, you can capitalize on the advantages and reduce the disadvantages.
Advantages : Ability to buy needed items now Don't have to carry cash More convenient and widely accepted than checks Creates a record of purchases Receive loyalty points and other rebates

Disadvantages : The cost of the item may be higher if you incur interest Using a card may incur fees Financial difficulties may arise if you lose track of how much you spend each month Provides an avenue for increased impulse buying

How Are Charge Cards Different? :Charge cards are a little different from credit cards. Charge cards usually have no charge limit, unless the local banking regulations impose one. You can usually charge as much as you want, but you are required to pay off your entire balance when your bill arrives. If you don't pay your charge card bill in full, your account may be suspended and you will be charged interest rates on the outstanding balance as well as any additional fees. Your bill may also be sent to the collections department.