More Ways to Pay With a Conoco Gas Card

There are actually three credit card and two personal use gas cards. The Conoco gas card is the card that consumers use every day to fill up their tanks and conveniently pay at the pump. The cards make it easier to keep track of your gas expenses. For those who do a lot of driving, these cards make it easy to see just how much they are actually spending in a month's time on fuel. This is important when the gas prices jump around so much. You need an accurate account of your monthly fuel expenses so you can track your mileage per gallon. Whether you have a personal or a business gas card, you will have a monthly statement detailing your spending.

Personal Gas Cards

With the Conoco gas card, you can pay at the pump and avoid the wait inside at the checkout. The Phillips 66, Conoco and 76 personal credit card is the gas card everyone keeps handy at the pump. The 76 Personal Card is good at all 76 branded locations and at the Conoco and the Phillips 66 locations. With the personal gas cards, you can pay the monthly balance or you can pay the minimum payment. Either way, you will have a detailed monthly statement showing where the purchases were made and for how much.

Conoco Credit Cards

Although these credit cards are idea for businesses, they can be used for many things. The Phillip 66, Conoco and 76 Commercial credit cards offer an easy way to track the purchases by the number on each card. The MasterCard for Phillips 66, Conoco and 76 earns you rebates and is accepted everywhere with no annual fees. The rebates are up to four percent for every purchase made with the card at any 76, Conoco or Phillips 66 locations. The Philips 66, Conoco and 76 Fleet card is for those businesses that need to track and maintain expenses for more than one vehicle. This card is good at all the gas stations and at over forty thousand repair, service and parts centers throughout the country.

With the Conoco gas cards, one can use it at any participating stations around the country. Some gas cards have different requirements. Some gas cards can be used to purchase other merchandise, but you will have some limitations. As with many credit cards and gas cards, lottery tickets are forbidden to be purchased on the cards.

If you need a Conoco gas card, you can fill out an application at the station or online for more convenience. After the application process and a credit check, you will be told if your application is approved or not. Once your application is approved, you receive your card in the mail and you can start using it right away at any participating gas stations. The card is all you need to fill up at the pump and pay right there. You never have to enter the station again unless you have other things to buy.

Credit Card Charge-Off - What Does It Mean and What Should You Do About It?

Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with payments on your credit cards and other debts, sooner or later you will hear a creditor representative threaten you with the dreaded "charge-off." So what is a charge-off anyway? Should you be worried? What are the consequences of this mysterious event?

I'll start by explaining what a charge-off is NOT. Because the term includes the word "charge," many people mistakenly think it has to do with cancellation of the account by the creditor. In other words, you can't "charge" anything on your credit card anymore. But it's not the same thing at all, and most banks will revoke charging privileges around 2-3 months before the deadline we're talking about here.

What banks and bill collectors call a "charge-off" is the point at which the creditor writes off the account balance as a "bad debt." It usually happens after six months of non-payment. After that, they no longer count it on their books as an asset. You still owe the money, of course. And they will certainly make continued attempts to collect it from you. But the creditor has been forced by the rules of accounting to zero out the debt on their financial ledgers. For causing this loss, they will punish you by placing a derogatory mark on your credit report. A "charge-off" is a serious negative mark, to be sure, but it is not the financial ruination that debt collectors would like to have you believe it is.

Should charge-offs be avoided if possible? Certainly. Does the prospect of a charge-off mean you should panic if you have no way to pay the bill? No! Is it the end of the world if the account has already charged off? No! Too often, bill collectors make a charge-off sound so bad, and they apply so much pressure, that people cave in and make payment commitments they cannot keep. Collectors usually demand payment via post-dated checks, and this frequently leads to bounced checks and even worse financial problems. Most of us are brainwashed by the banks and media on the subject of credit. Sure, good credit is important. But committing to payments you really can't afford just to preserve your credit is like watering the lawn while your house is burning down.

Here are a few simple rules to follow when trying to avoid a charge-off that hasn't happened yet:

* Don't be intimidated or threatened by pre-charge-off collection tactics. Keep a cool head and don't take it personally when collectors try to get under your skin.

* Call your creditor to find out the minimum payment necessary to avoid the charge-off, and subsequent payments to keep the account current going forward. Don't commit to this payment (or series of payments) unless you're sure you can follow through.

* Negotiate a lump-sum settlement at 50% or less if you have the resources, or a workout plan for monthly payments that you can live with.

* Do not allow bill collectors to talk you into using post-dated checks, or providing your checking account details over the telephone. Instead, make payments via cashier's check or money order.

* Do not make payments based on a verbal arrangement. Get the deal in writing and signed by a creditor representative who has authority to approve the workout plan.

What should you do if you simply don't have the money to rescue the account from charge-off, or if the account has already been charged off by the creditor?

* Take a deep breath and relax; the sky won't fall on your head just because you had a charge-off.

* Realize that you still have an opportunity to resolve the matter by dealing with the original creditor or the collection agency assigned to the account.

* Negotiate a lump-sum settlement with the creditor or collection agency. Again, aim for 50% or less, and ask for the charge-off to be deleted from your credit report as a condition of the settlement. (Most creditors will not agree to this, but it's worth asking anyway. Do be sure that they will update your credit report to show that the matter has been resolved and the account has been satisfied.)

* If you can't work out a deal with the collection agency assigned to your account, then wait until it goes to another agency! Eventually, it will either be assigned or sold to an outfit that you can deal with to get the matter cleared up.

To sum up, a charge-off is not the end of the world. It should certainly be avoided if possible, but not at the risk of making things worse by committing to payments you're not sure you can keep up with. Just remember that the creditor doesn't want to see a charge-off any more than you do, so use that knowledge to your advantage in working out a mutually acceptable arrangement. Get everything in writing, don't disclose your checking account details, and follow up to make sure the creditor reports the matter correctly on your credit report. You'll find that it's easier than you think to resolve a charge-off situation before it happens, or clean it up if it's already taken place.

How to accomplish Money with Pay Pal

Go to www.MoneyForTraveling.com to discover the secrets of paypal and how to make money with paypal. How To Make Money Using PayPal To make money using PayPal and your blog then you can either sell services, like doing reviews for people, maybe writing articles for them, ... Ten Ways to Make Money Using PayPal PayPal is one avenue where one can make money online. If you wish to make money using PayPal, then below are ten ideas which may help you ... How to Make Money using Paypal? How to Make Money using Paypal? How to make extra How to make money with a certain amount of money you have? Can a 14 year old make money using Paypal? How can I get money into my paypal account without doing online How to earn money through paypal? Make money useing pay pal Within 7 days, I started getting money in my paypal account! I was shocked! I figured it would end soon, but the money just kept coming in. ... Send Money, Pay Online or Set Up a Merchant Account with PayPal ... PayPal is the faster, safer way to send money, make an online payment, receive money or set up a merchant account. Paypal Problems, Information, Issues, Class Action Lawsuits - PayPal How Does PayPal Make Money With My Money? According to the San Francisco Chronicle, there are approx. 100000 complaints outstanding at PayPal (Are any of ... Video About How To Make Money Using PayPal Online Fast Easy and ... Video about "How To Make Money Using PayPal Online Fast Easy and for FREE Work at Home Jobs Internet Business ...

Can You Get a Credit Card After Bankruptcy?

Are you wondering if you can get a credit card after bankruptcy? If you are, the answer is yes. I will explain which credit cards are the best for you to get.

After you file for bankruptcy, the best credit card after bankruptcy is going to be a secured credit card. With a secured credit card, you have to put down a collateral cash deposit. Whatever amount you put down for your deposit becomes your credit limit. If you repay your owing balance on time, your bank might reward you by increasing your limit without asking for a higher down payment. If you fail to make payments however, your deposit will be used to repay your owing balance.

When looking for a credit card after bankruptcy, make sure that you are looking for one that does not have an application fee, and one that doesn't have a very high interest rate. This is why you have to read the fine print when applying for credit cards. You don't want to be sucked in to getting a secured card with annual fees.

One way to get a card after bankruptcy is to get a co-signer. In order for you to do this, you will need to make sure that your co signer has a good credit rating. It is crucial that you do not miss a monthly payment when you have a co signer, because if you do, then this leaves your co signer responsible for the missed payment.

Merchant Credit Card Processing

www.paymentmax.com - In this video we tell you 10 tips to save money on merchant Credit Card Processing