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Topic: Charge card

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Centurion Card

Bank Identification Number

American Express

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Western Union

	Charge card - Wikipedia, the free encyclopedia
		A charge card is similar to a credit card, except that the charges made to it must be paid-off each month, rather than having revolving credit which carries a balance forward.
		Many people are not aware of this distinction however, and often interchangeably use "charge card" to describe any card which can be used as payment, or "credit card" for any credit or charge card.
		Most American Express and Diners Club cards are also charge cards, rather than credit or debit cards like VISA and MasterCard.
	en.wikipedia.org /wiki/Charge_card (167 words)

	Credit card - Wikipedia, the free encyclopedia
		The cardholder of a secured credit card is still expected to make regular payments, as he or she would with a regular credit card, but should he or she default on a payment, the card issuer has the option of recovering the cost of the purchases paid to the merchants out of the deposit.
		The card is not cancelled, the balance is not set off the deposit, and interest continues to accumulate on the unpaid balance for considerable periods of time.
		The major credit card companies have been accused of targeting a younger audience, in particular college students, many of whom are already in debt with college tuition fees and college loans, and who typically are less experienced at managing their own finances.
	en.wikipedia.org /wiki/Credit_card (3556 words)

	FRB: Choosing a Credit Card
		Instead, you may be charged interest as soon as you make a purchase (in addition to being charged interest on the earlier balance you have not paid off).
		Charged when you use the card for a cash advance; may be a flat fee (for example, $3.00) or a percentage of the cash advance (for example, 3%)
		Some credit card companies charge a fee if you pay by telephone (that is, if you arrange by phone for payment to be transferred from your bank to the company) or to cover the costs of reporting to credit bureaus, reviewing your account, or providing other customer services.
	www.federalreserve.gov /pubs/shop (2576 words)

	Review of Travel Charge Card Delinquencies-Background
		When local coordinators reviewing reports from Bank One become aware of possible misuse of travel charge cards or delinquent payments on the part of the cardholder, they are supposed to resolve the situation, generally by notifying the appropriate supervisory or management official.
		To have the card reinstated after cancellation, the employee is required to undergo a credit check (which is initially waived as a courtesy to the government).
		Fleet services charge cards are used for fuel and minor maintenance relating to government vehicles.
	www.usdoj.gov /oig/reports/plus/e0101/background.htm (1124 words)

	Federal Trade Commission
		Charges you didn't make are added to your bill, and you never get your trip.
		Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year.
		Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
	www.ftc.gov /bcp/conline/pubs/credit/cards.htm (533 words)

	CREDITNET \| Straight Talk \| \| Charge Card vs. Credit Card?
		Credit cards allow you to revolve a balance on a monthly basis, that is, to carry a balance.
		The disadvantage could be the possibility of charging so high a balance you can't pay it off in full, but if you're responsible, you should be ok. One charge card is American Express Green, and there are others too.
		You have to be careful using charge cards because you have to pay the balance in full on the next statement.
	consumers.creditnet.com /straighttalk/board/showthread.php?threadid=17476 (834 words)

	Federal Trade Commission
		The card issuer also must disclose the "periodic rate" - the rate applied to your outstanding balance to figure the finance charge for each billing period.
		Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account.
		An affinity card issuer often donates a portion of the annual fees or charges to the sponsoring organization, or qualifies you for free travel or other bonuses.
	www.ftc.gov /bcp/conline/pubs/credit/choose.htm (1968 words)

	JMU - 4220 MasterCard Purchase Charge Card
		MasterCard is the charge card vendor for the Commonwealth of Virginia.
		Authorized use of the card is limited to the person whose name appears on the Face of the card.
		Reimburses James Madison University for inappropriate expenditures charged to the card.
	www.jmu.edu /finprocedures/4000/4220.shtml (3195 words)

	Acquisition - Charge Card Advisory (Site not responding. Last check: 2007-10-20)
		This memorandum is intended as an advisory to officials with Department of the Interior charge card program responsibilities and charge cardholders regarding possible administrative and criminal penalties associated with charge card misuse.
		Under section 2.9E of the charge card guidelines, cardholders are required to consult with a warranted contracting officer or the Agency/Office Program Official, as appropriate, when any question exists about a potential purchase of a restricted service or supply.
		This requirement is intended to support charge cardholders as well as the federal acquisition and charge card programs.
	www.doi.gov /pam/chargecard/bcadvise.html (680 words)

	JPMorgan Chase Travel Card - Travel Services Office - Office of the Vice President for Business Affairs (Site not responding. Last check: 2007-10-20)
		INDIVIDUAL CHARGE CARDS: Individual charge cards issued by the state of Texas are required to be embossed with the card member’s name, the account number, and state of Texas, followed by three numbers identifying the employee’s state agency three-digit, assigned agency code.
		Persons having charges which appear on the monthly Merchant Category Exception Report, that are not clearly distinguishable as business related, will be asked to provide a statement in writing explaining the business travel purpose of such purchases.
		The protested charges will be removed from the immediate amount due while they are being investigated, and if you have paid the charges you know are yours, your account will stay current.
	www.uthscsa.edu /business/travel/corporatecard.shtml (1014 words)

	TITANIUM CHARGE CARD - Shomer-Tec Inc.
		This charge card has no annual fee, no outrageous interest rates, and is definitely the preferred card when the chips are down.
		Gold cards are nice, platinum cards are even better, but the titanium card is the one you should never leave home without.
		The edge on one of the long sides of this card is chisel ground to a sharp edge, giving you a covert weapon that will pass un-noticed through all but the most thorough searches.
	www.shomer-tec.com /site/product.cfm?id=99884DB3-027C-C63C-C56985577563F7F4 (128 words)

	Credit, Debit And Charge: Sizing Up The Cards In Your Wallet (Site not responding. Last check: 2007-10-20)
		While debit cards and charge cards often share wallet space with their credit card cousins, each type of card is separate and distinct from its peers.
		Charge cards generally impose a fee and tack on penalties to discourage you from carrying a balance.
		But regardless of fees, for many consumers the cost of having a charge card is often significantly lower than the cost of having a credit card due to the interest-related debt that can be racked up with the credit card.
	www.investopedia.com /articles/pf/05/cards.asp (861 words)

	Nation's Restaurant News: Fast feeders tap quicker charge-card methods to boost sales - News - fast food restaurants ...
		Several chain operators and card vendors who were asked recently about the current state of fast feeders' card acceptance predicted speed-ups in adoption throughout the massive industry sector, which has tended to resist allowing purchases via plastic because of service-bottleneck worries.
		Among the benefits cited by Visa as a result of its tests were a 20- to 30-percent increase in average checks, compared with cash transactions; improved speed of service; and a reduction in the number of customers frightened away from drive-thrus by long lines during peak hours.
		Some quick-service chains are looking forward to the day when they can accept card payments and leverage the resulting consumer-usage and preference data that are generated by those transactions and collected by card issuers, processors and marketers.
	www.findarticles.com /p/articles/mi_m3190/is_7_37/ai_97998513 (1442 words)

	Woodalls Open Roads Forum: Around the Campfire: walmart refused mt charge card
		These are when you use a debit card as a credit card and sign for the purchase.
		Card companies were gouging WM (and us) charging 4x more for them than debit/PIN.
		One outcome of this is that card issuers are lowering fees in response.
	www.woodalls.com /cforum/Index.cfm/fuseaction/thread/tid/13627990.cfm (954 words)

	UW Travel Charge Card Policy
		In addition, you may use the UW Travel Card for non-reimbursable expenses reasonably incident to UW business related travel expenses where it is not practical for a merchant to separate the non-reimbursable charges onto a different bill (e.g., in-room movie or mini-bar charges).
		If you have a balance on your UW Travel Card, and you do not use the reimbursement money to pay down the balance, then you may be subject to disciplinary action for violating the terms of this Policy, and you may be subject to proceedings under the State Ethics Act.
		All documents related to the UW Travel Card may be fully disclosed as a public record to the extent provided for by the Public Disclosure Laws.
	www.washington.edu /admin/travel/travelcardpolicy.html (858 words)

	DoD News: DoD Moves to Improve Charge Card Programs
		DoD uses two major charge card programs, which help save millions of dollars in administrative expenses: purchase cards to buy certain goods and services directly from private sector vendors, and travel cards to pay expenses of DoD personnel during official travel.
		When charge card abuse is credibly alleged, notify the cardholder's supervisor and security manager and require them to determine whether the allegation affects the cardholder's security clearance.
		Create an exemption to mandatory use of the travel card for certain deployments to locations where it would be difficult for the traveler to ensure a timely reimbursement.
	www.defenselink.mil /releases/2002/b06272002_bt332-02.html (742 words)

	[No title] (Site not responding. Last check: 2007-10-20)
		Fleet charge cards are typically issued for specific vehicles rather than to persons.
		Your fleet charge card may ONLY be used for your agency vehicles.
		The card issuer will mail a new card to you within two business days from the time the theft or loss was reported.
	www.va.gov /ofinop/valociti/VAFleetDocs/FleetCardDOsandDONTs.doc (496 words)

	Caltex (Site not responding. Last check: 2007-10-20)
		The Caltex Starcard is a power-packed fleet management card that offers you the most convenient and effective way to manage your fleet.
		You can limit usage of the card to just fuel, or you may allow some users to buy motor oil, or to have a tune up, buy lubricants and grease or grab some snacks at StarMart.
		For added security, you may also opt for the PIN system whereby the cardholder is assigned a 4-digit code known only to the cardholder.
	www.caltex.com /products/starcard.asp (740 words)

	Productivity Card for Business: T&C's Charge Card (Site not responding. Last check: 2007-10-20)
		By requesting that we issue a Card to you, the Company represents and warrants that each person to whom it requests us to issue a Card (i) is an employee, partner, owner or officer of the Company and (ii) has a business or commercial need for a Card.
		Company agrees to notify us immediately if any person to whom a Card has been issued leaves the Company, and the Company agrees that until we receive such notice, we are entitled to rely on the fact that the person continues to qualify as a Cardholder on the Company Account.
		Company agrees it will be liable for any Charges resulting from your use of the Productivity Card or your Cardholder Account, whether for business purposes or for personal, family or household use (though you understand that your Account is not intended to be used for personal, family or household use).
	www.productivitycard.com /benefits_tcs_charge.htm (4472 words)

	Charge Cards - Charge Card Deals - Charge Card Offers
		With these Charge Card Offers, you can start collecting Business Rewards as soon as you make you first purchase.
		Or if you are not interest in our Charge Card Deals and would prefer a Credit Card Deal, we think our Air Miles Credit Cards might suit your needs.
		In order to best take advantage of our charge cards, we suggest you brows our Charge Cards Offers and read the details on our cards.
	www66.americanexpress.com /sbsapply/servlet/FMACServlet?request_type=LearnMore&bos=b&ct=15 (561 words)

	Credit Card and Charge Card Fraud Prevention (Site not responding. Last check: 2007-10-20)
		A thief goes through trash to find discarded receipts or carbons, and then uses your credit card account numbers illegally charge your cards - this is credit card fraud.
		A dishonest clerk makes an extra imprint from your credit or charge card and uses it to make personal charges - this is credit card fraud.
		Charges you didn't make are added to your bill, and you never get your trip - this is credit card fraud.
	www.greenpath.com /debt-information-library/credit-card-fraud.htm (702 words)

	Small Purchase Charge Card
		In an effort to streamline purchasing and accounts payable steps and sharply reduce paperwork, the Commonwealth has established a contract allowing agencies and institutions to use charge cards for transactions up to $5,000 for the purchase of goods and services.
		This point is of critical importance to Virginia State University because the success of the University is dependent upon being able to meet the demands of the campus community.
		The intent of Policy 505, "Small Purchase Charge Card Program," is to ensure that the faculty and staff of the University utilize the SPCC in a fiscally responsible manner.
	www.vsu.edu /pages/1194.asp (428 words)

	Charge Card (Site not responding. Last check: 2007-10-20)
		A card that charges no interest but requires the user to pay his/her balance in full upon receipt of the statement, usually on a monthly basis.
		While it is similar to a credit card, the major benefit offered by a charge card is that it has much higher, often unlimited, spending limits.
		Costs associated with a charge card will often be a set fee for the card along with large penalties on any unpaid balances.
	www.investopedia.com /terms/c/chargecard.asp (242 words)

	98-313.htm - NationsBank Visa Travel Charge Card Program (Site not responding. Last check: 2007-10-20)
		Unauthorized use of the Government-issued NationsBank Visa travel charge card is strictly prohibited and in violation of conduct and responsibility regulations.
		Employees are advised that misuse of the NationsBank Visa charge card, including excessive ATM withdrawals, will be considered misconduct and may subject the employee to disciplinary actions.
		Agency charge card representatives are authorized to increase weekly ATM withdrawal limits, not to exceed $1,500 weekly, for cardholders that perform foreign travel, upon request.
	www.afm.ars.usda.gov /ppweb/98-313.htm (929 words)

	www.GovExec.com - OMB issues new charge card guidance (3/4/05)
		In addition to stating and clarifying existing guidance, such as procedures for eliminating payment delinquencies, charge card misuse and fraud, the draft guidance now requires agencies to do a credit check on an employee before issuing a charge card.
		If a worker's credit rating score is too low, restrictions will be placed on his or her use of a charge card, including reducing the overall dollar limit for the card, setting individual purchase limits and restricting ATM use.
		Government charge cards help reduce administrative costs in purchasing goods and services, but have been abused by federal workers who have used them to buy everything from designer briefcases to prostitutes to photos of Elvis Presley.
	www.govexec.com /dailyfed/0305/030405p1.htm (436 words)

	American Express Personal - Malaysia - Customer Service - Charge Card Protection
		Sign your Card on the signature panel as soon as you receive it.
		Do not volunteer any personal information when you use your Card, other than your identification card number, which may be requested.
		If you suspect that your Card has been stolen then you must contact AMEX as soon as possible to cancel the Card.
	www.americanexpress.com /malaysia/cust_svce/chargecard.shtml (451 words)

	AskMen.com - Credit card charge
		Whenever you activate a credit card, you give credit card companies the right to implement their rules.
		Though you should always be aware of your credit card limit and avoid going over it at all costs, credit card companies often make it hard not to.
		Well, the company did transfer the balance, but put as much of the amount as possible on the requested card, so that is was full even before being used once.
	www.askmen.com /money/investing_60/97_investing.html (530 words)

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