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Student credit cards can be useful. As trite as that sounds, it’s the best way I can describe them, from very personal experiences. Allow me to tell you about a few things that happened to me in my freshman year, and shed some light on the foggy misconceptions of student credit.
I was not a privileged student as far as finances went. I was constantly searching for ways to acquire funds just to cover my tuition and book expenses. Other kids got to blow their parents money on liquor or ultra trendy/preppy frat apparel (pastel colored polo shirts and chino khakis galore, don’t forget your $80 sandals), while I scratched and clawed to just get to class. At one time I attempted to sustain myself by playing poker, but that proved to be a futile idea.
It got to the point that I had been kicked out of the university multiple times in both semesters of my first year. Ironically, each time I was only coming up about $300 short of payment, though that was enough for me to have to scramble for some new plan to save my credit hours. Of course, once I made payment and was re-admitted into school, I’d be hit with a $200 late registration fee, and the cycle would begin all over again.
While I was suffering, there was an easy solution directly in front of my face each time I passed my bank. A student credit card typically has a spending limit of about $500 – $1,000. It’s deliberately set low so students learn to spend sparingly, and banks are protected against witless college kids spending half of their cash reserve and then failing to make payment. However, my periodic bills of $200 and $300 would fit snugly under that limit, and even leave enough on top for me to have enjoyed a few small luxuries.
I walked past all the signs for student credit cards without even looking because I was raised with the stigma that many college kids have, that of the parentally-installed thinking that credit cards are bad news if you’re young. Potentially because so many parents have found themselves on the wrong side of the credit and interest equation, thereby believing their offspring will fall into the same trap.
I wish I hadn’t thought that. I could have been spared so much trouble – and so many late fees – if I’d just applied for a card.
Some student credit cards also require a co-signer. Banks do this as a safety net for themselves and the student, in the event the student can not make payment, and you can’t blame them for wanting to cover the symbolic rear-ends of all parties involved.
Students facing my former plight may fear the high interest rates student credit cards have compared to other cards. That’s entirely understandable, and credit cards shouldn’t be taken lightly. However if you’re responsible enough to handle the payments, you can build good credit early, which will give you endless advantages later in life.
Tags: Article Body, Book Expenses, College Kids, Easy Solution, Freshman Year, Khakis, Late Registration, Luxuries, Misconceptions, Money Management, Multiple Times, Personal Experiences, Playing Poker, Polo Shirts, Registration Fee, Semesters, Stigma, Student Credit Card, Student Credit Cards, Word CountWord Count:Article Body:
Once a child enters college, there are lots of responsibilities that have to be faced by the child. One of the many responsibilities is to learn the art of managing their finances. A student credit card can prove to be both a great help but can also be an equal challenge. Most credit card companies bank on this opportunity of getting as many children interested in their student credit cards as possible. College student credit cards are often sought by parents looking for convenience and comfort for their children.
With the intention of getting more applications for student credit cards, credit card companies may offer free t-shirts, pens or CDs, anything that would attract the average teenager to apply for a student credit card or a college student credit card. However, before actually thinking of applying for a student credit card, the student has to learn how to use the credit card, to avoid falling into thousands of dollars of debt, outside their personal school loans!
The best way of getting your child ready to handle the responsibilities of a college student credit card is by applying for credit cards with both your names on it, and having a low credit limit. In this way, both you and your child have access to the credit card, while you get a monthly statement to get an idea of what the child has spent money on. Make it a point to budget a certain limit of money each month, wherein the child has to pay the amount off with their own money if possible. This way, the child learns not to pay for things that they cannot afford.
When choosing on the best student credit card for your child, choose one that has a low limit wherein the child has to be careful in spending money in order to remain in good credit standing. You can choose from either of the many tables and booths that are set up at college fairs or perhaps find the best student credit card with an online search. However, make sure that the company you are considering caters to student credit cards because these companies generally will have student credit cards generally have less stringent credit history criteria while also offering lower interest rates.
When choosing the right college student credit card, look for the company offering a longer grace period so that the child has more time to make payments for their expenses, before accruing any interest. It is always better to choose the student credit card that has no annual fee and a low late payment fee. This is of course to help the child that might face the prospect of incurring expenses over the long term with the card.
When applying for a student credit card, make sure to furnish accurate and true information about the student and yourself. You will have to reveal your name, address and phone number while the student will have to furnish information of the college, enrollment status and the year of enrollment to the institution. If any false information is provided, it diminishes the probability of getting the student credit card as the companies verifies all the information that is provided to them. Students that are employed or who have a substantial balance in the bank proves to be a more likely candidate for a student credit card. However, the maximum credit credit card companies offer students to start off with is usually in the range of $500 – $1,000.
One of the many advantages of having a student credit card is that the student can buy their school books using the college student credit cards instead of carrying money to pay for the them. This proves to be safer to the student. Student credit cards are best used to cover unexpected expenses the student may face. There are also student credit cards that let the student gain rewards for their purchase like cash back or perhaps even gas money for their trips back home!
Tags: Applying For Credit Cards, Article Body, Best Student Credit Card, Booths, Choose One, College Fairs, College Student Credit Card, College Student Credit Cards, Credit Cards Credit, Free T Shirts, Managing Finances, Many Tables, Pens, Personal School, School Loans, Spending Money, Student Credit Card, Student Credit Cards, Thousands Of Dollars, Word CountWord Count:Article Body:
Once a child enters college, there are lots of responsibilities that have to be faced by the child. One of the many responsibilities is to learn the art of managing their finances. A student credit card can prove to be both a great help but can also be an equal challenge. Most credit card companies bank on this opportunity of getting as many children interested in their student credit cards as possible. College student credit cards are often sought by parents looking for convenience and comfort for their children.
With the intention of getting more applications for student credit cards, credit card companies may offer free t-shirts, pens or CDs, anything that would attract the average teenager to apply for a student credit card or a college student credit card. However, before actually thinking of applying for a student credit card, the student has to learn how to use the credit card, to avoid falling into thousands of dollars of debt, outside their personal school loans!
The best way of getting your child ready to handle the responsibilities of a college student credit card is by applying for credit cards with both your names on it, and having a low credit limit. In this way, both you and your child have access to the credit card, while you get a monthly statement to get an idea of what the child has spent money on. Make it a point to budget a certain limit of money each month, wherein the child has to pay the amount off with their own money if possible. This way, the child learns not to pay for things that they cannot afford.
When choosing on the best student credit card for your child, choose one that has a low limit wherein the child has to be careful in spending money in order to remain in good credit standing. You can choose from either of the many tables and booths that are set up at college fairs or perhaps find the best student credit card with an online search. However, make sure that the company you are considering caters to student credit cards because these companies generally will have student credit cards generally have less stringent credit history criteria while also offering lower interest rates.
When choosing the right college student credit card, look for the company offering a longer grace period so that the child has more time to make payments for their expenses, before accruing any interest. It is always better to choose the student credit card that has no annual fee and a low late payment fee. This is of course to help the child that might face the prospect of incurring expenses over the long term with the card.
When applying for a student credit card, make sure to furnish accurate and true information about the student and yourself. You will have to reveal your name, address and phone number while the student will have to furnish information of the college, enrollment status and the year of enrollment to the institution. If any false information is provided, it diminishes the probability of getting the student credit card as the companies verifies all the information that is provided to them. Students that are employed or who have a substantial balance in the bank proves to be a more likely candidate for a student credit card. However, the maximum credit credit card companies offer students to start off with is usually in the range of $500 – $1,000.
One of the many advantages of having a student credit card is that the student can buy their school books using the college student credit cards instead of carrying money to pay for the them. This proves to be safer to the student. Student credit cards are best used to cover unexpected expenses the student may face. There are also student credit cards that let the student gain rewards for their purchase like cash back or perhaps even gas money for their trips back home!
Tags: Applying For Credit Cards, Article Body, Best Student Credit Card, Booths, Choose One, College Fairs, College Student Credit Card, College Student Credit Cards, Credit Cards Credit, Free T Shirts, Managing Finances, Many Tables, Pens, Personal School, School Loans, Spending Money, Student Credit Card, Student Credit Cards, Thousands Of Dollars, Word CountWord Count:Article Body:
In the past, credit card payments have always been fair, a small percentage of the total balance owed. A new change has recently been proposed by the government that may change this. The monthly credit card payments that people are making may double within the next year. This will make things much harder for people who are already having a hard time making their existing payments.
How Much You Will Now Need To Pay
The credit card companies have made large profits by allowing people to make small payments on their credit card balances. The interest rate on credit cards has gone as high as 20%. At this rate, it can take a person years to pay off debts that are just a few thousand dollars. It does little good to make only the minimum payments on your credit card each month. Because the average American owes about $10,000 in credit card debt, their monthly payments are about $200. The new proposed law would push this amount to $400, including interest.
The law proposed by the federal government has been in existence for two years, but companies have been given a set period of time to comply with the law. It is expected that lenders will raise the payments to 4% before the end of this year. At first glance this may seem like a small amount, but it will dramatically increase the monthly payments of those who owe thousands of dollars. Many people have already begun filing for bankruptcy. You are probably wandering what you should do in a situation like this.
If You Cant Pay
The first thing you can do is stop using your credit cards. It doesn’t make much sense to keep using it when the minimum payments are about to be increased. After this you will want to begin cutting back on bills that will keep you from being able to make your monthly payments. If you have equity in your home, you will want to use it to consolidate your loans if possible. An unsecured personal loan can also be helpful. It may also be possible to get a lower interest rate from your bank.
Theres No Going Back Now
One thing you have to understand is that when the minimum payments increase, they are not likely to come back down. While this will allow some people to pay off their debts faster, many more people will not be able to pay off their loans, and will be forced to file bankruptcy. Some people believe that such a law will hurt the economy, because by raising the cost of the minimum payments you will decrease the purchasing power of the citizens.
Financial Freedom is the Key
It is best to get out of debt in anyway you can, or reduce your interest rates. If you don’t have a credit card, you may want to avoid getting one. You should sit down and be honest with yourself to decide if you’re responsible enough to manage one. If not, it is best to use cash. It has become more difficult to get out of debt than ever before, and this will not change in the future. It is important for you to take the steps today that can allow you to reduce your financial burden. You should stop using your credit card as soon as possible.
On a Personal Note Living In Never Never land
Many experts have argued that increasing the monthly payments on loans will help people and I for one must agree with that. Even at this increased amount consumers will be paying an exorbitant amount in interest and fees given the average balance of an Americans credit card statement. These high interest-charging credit cards have been sucking the money from many of us who are blissfully unaware of the financial damage that they are causing. Short-term financial strain in increasing these minimum payments may be the best long-term strategy to find the growing debt problem in the US. A change in attitudes by many of us would also be a start of a brighter financial future.
Tags: Article Body, Credit Card Debt, Credit Card Payments, Credit Cards, Debts, Existence, Federal Government, Filing Bankruptcy, Filing For Bankruptcy, First Glance, Hard Time, Interest Rate, Lenders, Minimum Payments, Period Of Time, Profits, Thousand Dollars, Thousands Of Dollars, Unsecured Personal Loan, Word CountCredit Card Debt Help Online – Comparing Debt Consolidation Services
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Because of the many debt consolidation services available, those seeking credit card debt help may not know which agency to use. The key to locating the best debt consolidation service involves comparing various companies. Each consolidation service has separate criteria. Using the internet, research different companies and find a company that fits your needs.
How Much Debt Have You Acquired?
Some debt consolidation services prefer working with individuals who have amassed a large amount of debt, whereas others favor those with smaller debt amounts.
Before researching different services, gather all your credit card statements and tally the total debt. Next, search for consolidation services that offer help to individuals with similar debt totals. For example, if your credit card debt totals $5,000, do not apply with companies that require a minimum debt of $10,000.
Is the Consolidation Service Non-Profit?
There are two types of online debt consolidation services. If a service is not a non-profit, they will likely charge an upfront or monthly fee. Thus, a small portion of your monthly payment will go toward paying their service fee.
If possible, choose a non-profit debt consolidation service. These companies do not profit from their client’s misfortune. Instead, they obtain funding from other sources.
What is the Company’s Reputation?
Choosing a reputable company is the hardest part. Prior to applying, conduct ample research on a particular debt consolidation company. To begin, search online consumer reports for any complaints against a company. Furthermore, several debt consolidation informative websites offer a list of several reputable companies.
In addition, online makes comparing debt consolidation services much easier. Many sites offer side-by-side comparisons of at least three consolidation services. This way, you can review each services requirement and choose the one best suited for you.
How to Apply with a Debt Consolidation Service
Applying with a consolidation service is easy. Online applications will request detail information pertaining to debts and income. It is important to list all debts on the application. Upon review, the consolidation service negotiates better rates with current creditors, and establishes a repayment plan. Reduced interest rates and waived late fees make it possible to become debt free in three to seven years.
Tags: Article Body, Company That Fits Your Needs, Consumer Reports, Credit Card Debt, Credit Card Debt Help, Credit Card Statements, Debt Consolidation Company, Debt Consolidation Service, Debt Consolidation Services, Different Companies, Different Services, Internet Research, Misfortune, Non Profit Debt Consolidation, Online Debt Consolidation Services, Reputable Companies, Reputable Company, Small Portion, That Fits Your Needs, Word CountPut Your Expenses on Right Track Credit Card Debt Management
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Credit card the well known name for plastic money allows you to spend more than you have and pay later for them. This property makes it the most widely used form of debt. But there is a very big disadvantage that people in ignorance spend larger amounts and when the time for repayment along with the interest arises than they are short of money. At that time you again take debts to make repayments. The process goes on and the trap of debts surrounds you. Credit card debt management can help you in controlling your expenses in a much better way.
Credit card debt management in simple words is how to manage your debts efficiently and effectively. You need to follow certain things for an efficient credit card debt management. These are:
To began with go for cash purchases rather than using credit cards as the interest rate is very high on credit cards.
Dont apply for and use too many credit cards.
Use a debit card instead if you dont want to carry cash around.
Plan a budget for the month according to your income and spend accordingly.
Get the help of debt management consultants and agencies to plan your budget.
24 hours availability of consultants is there, so you can call them for their services at any point of time.
Credit Card Debt Management agencies prepare debt management plans for you. If you are using too many credit cards and finding it difficult to pay for it separately you can take the help of these agencies. You can deposit the entire amount of credit cards bills to them. They themselves will pay different bills from that money. They will teach you ways to control your spending`. These agencies in addition to credit card debt management will also provide you other service such as if you are carrying too many debts with you, they can talk to your lenders for lowering the installments amount. They also give advices on how to improve your credit score.
For applying to such services you need to log on to websites of consulting agencies and fill an application form with requisite details such as you name, address and contact information, your income, number of credit cards you are using, details of how much you spend through credit card. After getting application professional advisers will call you and discuss your financial status and a proposed budget plan with you.
Besides these measures as it is said precaution starts at home, so its up to you to decide the direction in which your finance diverts with credit card debt management.
Tags: Article Body, Budget, Cash Purchases, Credit Card Debt, Credit Card Debt Management, Credit Cards Bills, Debit Card, Debt Help, Debt Management Agencies, Debt Management Consultants, Debts, How To Improve Your Credit Score, Installments, Interest Rate, Lenders, Plastic Money, Repayments, Time Credit Card, Using Credit Cards, Word CountCredit Card Debt Help What Are Your Options With Credit Card Debt?
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If you find yourself feeling overwhelmed by your credit card debt, it is time to take action. There is credit card debt help out there and you do have options available to you to help bring your credit card debt under control. Once you investigate the options open to you and determine what is best for your individual financial circumstances, you can make a solid debt reduction plan and be on your way to becoming debt free.
Do It Yourself
If you are only dealing with one or two credit card companies, you may want to consider discussing the problem directly with the credit card company or companies involved. You can try to negotiate a reduction in interest rates and an extended payment period. Make a budget and stick to it, being sure to make your highest interest debts your priority. You may want to enlist the assistance of one of the many free or low cost credit counseling programs available.
A Credit Consolidation Program
If you dont feel confident in your negotiation skills or have a more complicated credit situation, a credit consolidation program may be just the right solution for you. For a fee, a credit consolidation program will take care of the negotiations for you, and in most cases arrive at an advantageous reduction of interest rates and a manageable payment schedule. You will make a single monthly payment to the consolidation company and they will take care of paying the individual creditors. Youll need to be careful, however, in choosing a debt consolidation program for credit card debt help. There are many predatory companies out there, more interested in pocketing your fees than in providing service.
A Credit Consolidation Loan
A credit consolidation loan proceeds in a similar fashion as a credit consolidation program, with the difference being that you take out a loan and pay your creditors immediately, repaying your lender with a monthly payment. Depending on the interest rates involved, this can be useful, even practical. It is also helpful if you need to extend the period of time that you will be making payments, being unable to make the higher payments that would pay off the credit cards faster.
However, often you secure these loans using your house as collateral. Thus, you should give a great deal of thought to the matter before taking such a loan, being sure that the repayment schedule is doable. As with credit consolidation programs, youll need to very careful of unscrupulous lenders. Research potential lenders well. Another thing to remember is to only borrow what you need, no more. In fact, if a lender encourages you to borrow more than you need, you should take that as a warning sign that you may be dealing with a predatory lender that is betting on profiting from your failure to repay the loan.
If you are ready to relieve yourself of the burden of credit card debt, there are credit card debt help options out there for you. Use caution and common sense in choosing the best option for you and you will soon be on your way to achieving your financial goals.
Tags: Article Body, Consolidation Company, Counseling Programs, Credit Card Debt, Credit Card Debt Help, Credit Consolidation Loan, Credit Counseling, Credit Situation, Creditors, Debt Consolidation Program, Debt Reduction Plan, Financial Circumstances, Interest Debts, Loan Consolidation, Loan Proceeds, Manageable Payment, Negotiation Skills, Payment Period, Right Solution, Word CountWord Count:Article Body:
Keeping control of your money is one of the hardest lessons we have to learn as new college and university students. For many of us it is our first time away from home, and the first time we have to be truly responsible for all the financial affairs in our lives. Some get a handle on money matters faster than others. That’s just the way she goes. But if you’re not really all that sure where your money is going each month, here are a few things you may want to consider.
I. Avoid Temptations
If you have a particular weakness, and we all do, just stay away from it. If you love shopping, stay out of the malls. If you’re a tech-head, stick to once a year upgrades. Nobody says avoiding temptation is going to be easy. However, it is a must if you want to save money. When you want to give into your temptation, this is the time to use your “allowance”. Your allowance can be a set amount for ’special’ items, or just a big jar where you put your loose change at the end of every day.
II. Credit Cards
If you have a credit card, use it only for emergency. Although they are really handy, credit cards are dangerous and possibly very damaging to your financial future. Credit cards (and in particular student credit cards) have very high interest rates. If you are only able or willing to make the minimum monthly payments then you will very quickly end up with a HUGE amount of debt because of the interest. The really bad thing is that you will also have to pay interest on the interest you owe. So, credit cards are good in a pinch, but should never be used as an extension of your cash.
III. Credit Card Interest
If you have credit cards and your credit is in good standing, you should take the time to call your credit card company, and ask for your interest rate to be lowered. It is just as simple as that. Most people have no idea they can even do this so they never make the call. Just ask the rep for a better rate on your credit card and they will take care of it for you.
IV. Financial Consulting
Many financial companies, community colleges and even churches offer classes on how to manage money. In some cases the courses are free, but often they cost around $35 to attend: it is money well spent. Another choice you have is consumer-counseling services. This is a great if you are getting into debt trouble. The counselors will work with your creditors to lower your balances, interest rates, and establish workable payment schedule that you can manage.
Tags: Article Body, Cards Credit, Credit Card Company, Credit Card Interest, Financial Affairs, Handy, High Interest Rates, Interest Rate, Keeping Control, Loose Change, Malls, Money Management Tips, Money Matters, Money Tips, Student Cards, Student Credit Cards, Temptation, Temptations, University Students, Word CountWord Count:Article Body:
If you are a business owner, you understand that every decision you make is a huge one. The wrong decision can mean failure for your business, while the right one can catapult it to the head of the competition. You may not realize it, but choosing a business credit card is just as critical of a decision as any that you will make as a business owner. Therefore, it is important for you to know how to compare business credit cards in order to find the one that is right for you.
Credit Limits
The first item to look at when you compare business credit cards is the potential credit limit of the card. Many have a minimum and a maximum potential credit limit. You should have a good idea before researching business credit cards of how much you need the credit limit to be. If the maximum potential credit limit is not enough, then move on to the next credit card. Similarly, if the minimum credit limit is far more than you need, you might also want to pass.
Both extremes are not good for a business. A credit card that does not give you a high enough limit will force you to use more than one business credit card, which makes keeping track of expenses far more difficult and confusing. At the same time, having too much credit makes it easier to spend beyond your means, potentially bankrupting your business. Think smart when getting a business credit card and find one that offers a credit limit that is best for your business.
Interest Rates
When you compare business credit cards, you absolutely must consider interest rates. More than likely, you will not be able to pay the balance off in full each month. This is common with a business, particularly one that is just starting out, because money is tied up in the business and unavailable for paying the balance off each month. Therefore, you need to find the business credit card with the lowest interest rate in order to save your business money. Obviously, if you business is financially stable enough to pay the bill at the end of each month, you don’t need to concern yourself with the interest rate. The key is to assess your business situation openly and honestly in order to determine if you will carry a balance or not.
Rewards Programs
Many business credit cards offer special rewards programs. With these programs, you may be able to receive free or reduced goods and services, such as airline travel or office supplies. At the same time, business credit cards with reward programs tend to have higher interest rats. Therefore, it might be best for you to pass on one of these cards if you intend to carry a balance on your card from one billing cycle to the next. When you compare business credit cards, be sure to compare the interest rate to the benefits supplied by the rewards program in order to determine if the payout is worth the pay-in.
Additional Benefits
Business credit cards, like regular credit cards, can have a number of additional benefits associated with them, such as travel insurance, extended warranties, and purchase protection. The exact benefits, however, vary from card to card. Even cards issued by the same lender do not necessarily have the same benefits. When you compare business credit cards, consider these benefits carefully and find out as much as possible about these benefits. For example, learning that two business cards each offer travel insurance is not enough. Find out how much travel insurance is supplied. One may only offer $100,000 while the other offers $1,000,000. If that $1,000,000 travel insurance is important to your business, then that card may be the best choice for you. On the other hand, if you only need $100,000 in insurance, the $1,000,000 may not be so impressive.
Tags: Article Body, Business Card, Business Cards, Business Credit Card, Business Credit Cards, Business Interest, Business Money, Business Owner, Business Owners, Business Rates, Catapult, Credit Help, Extremes, Failure, Fi, Find Business, Interest Rates, Lowest Interest Rate, Word Count, Wrong DecisionCards For People With Bad Credit Helps You Spend Within Your Financial Means!
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Cards for people with bad credit is a convenient way to help you control your current spending and get your life back on financial track!
Depending on how bad your credit is, people need to understand that debt can cause not only major financial trouble, but it could easily damage relationships with family and friends, and your bad credit could also be a good indicator that you have an addiction to spending.
In my opinion, theres no need to have more than two credit cards, and for many, three cards should be the maximum. The issue with having a MasterCard, Visa, American Express, and every other credit card under the sun is the difficulty in tracking each credit cards spending limit, and because the statements may come in at different times during the month, you can easily lose track of the overall amount being spent on each one.
Now with access to online cards, many individuals that are maxing out their credit limits are going to an online cards site that claim they will repair or consolidate their debt with their unsecured cards. But when you look at the interest they will end up charging, you may be getting in deeper than you may be in right now!
Checking Your Credit History With Bureaus Will Indicate Where Your Finance Stands!
Once you contact your local bureau to get your credit report, you can then take a deep breath and see how good or bad your current financial situation is, and if your credit score is beyond repair, then you have to make decisions on what type of debt repair you need.
Your bank may be willing to offer you an unsecured credit card with a lower interest rate or a consolidation card, and if youre financially capable of paying down your credit limits without having to borrow money from existing cards, then you should consider these options first before taking any other actions.
If your credit problems are beyond your control, and the interest on each card is turning into an emergency situation, then your next step is to talk to your financial institution, or a debt consolidation company to apply for a consolidation loan, and either hide your cards for a long time, or better yet, cut them up for good!
Remember, its never the end of the world even if you happen to declare personal bankruptcy. While youre taking the necessary steps to improve your rating again, and doing whats required to establish a better relationship with your creditor or creditors, you can look into other options such as prepaid credit cards to get you through your troubled times.
Tags: Addiction, American Express, Article Body, Credit Cards, Credit History, Credit Report, Credit Score, Debt Repair, Deep Breath, Different Times, Family And Friends, Financial Situation, Financial Trouble, Interest Rate, Mastercard Visa American Express, People With Bad Credit, Unsecured Cards, Unsecured Credit Card, Visa American Express, Word Count