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  • Debunking money | Which4U Australia - Money Blog
    United Kingdom on stores financial institutions and other businesses where consumers have made small to big transactions FICO and other prominent credit scoring systems are used to evaluate the financial risk posed by lending money to consumers Therefore a low income consumer with a history of delinquent paying of bills may get a low credit score as compared to a high income individual Aside from banks and other financial institutions mobile phone providers insurance firms real estate agencies and other businesses use credit scoring to determine approved credit and set credit limit Even though paying the bills on time would mean better credit scores many of us don t know how the scoring system works Besides we don t know all the factors involved in determining credit score Some consumers get bad credit scores especially if they can t identify fact from fiction Here are the common myths on credit score more Tags credit rating credit score Debunking money personal debts Posted in Credit Cards Comments Off on Debunking the Credit Score Myths Share the Which4U Australia Money Blog Tweet Pages Home About Us Resources Categories Bank Accounts Credit Cards Home Loans News Saving Money Savings Accounts Term Deposits Archives

    Original URL path: http://blog.which4u.com.au/tag/debunking-money (2016-02-17)
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  • Near Field Communication strikes Australia. The end of the credit card? | Which4U Australia - Money Blog
    to be made by phone where MasterCard PayPass facilities are present It is estimated that there are 42 000 such readers and more than seven million MasterCard PayPass cards currently in circulation For its part CommBank claim to have over six million online banking users and that more than 16 million log ins took place in August alone No doubt the roll out of this payment system will see a huge expansion of these facilities Meanwhile Eftpos which accounts for 85 for all debit payments in Australia has also reportedly undergone a technological revolution which will allow customers to conduct transactions with mobile phones and contact less terminals It is described as the first major change to eftpos functionality in a quarter of a century Revolution then is quite literally on the cards Bronze Age Britain While America and Australia ready themselves for the next phase in transactional technology recent phone hacking scandals in the UK have seriously weakened consumer confidence in secure telephony A poll of over 1 000 Brits revealed that just 17 would consider using their mobile phones as a card payment device 44 cited the lack of security software as their main concern Many deem a phone more likely to be stolen than a wallet and there are concerns about the robustness of security measures on a mobile device It is unsurprising then that CommBank highlights security as having been of paramount importance in developing their app Kaching includes password encryption and no personal banking information is to be stored on a user s phone The demographics of the UK survey revealed that the younger generation were more keen to adapt to new technology A third hoped to use their mobile phones as a credit card in future while a quarter of under 18s without credit

    Original URL path: http://blog.which4u.com.au/credit-cards/near-field-communication-strikes-australia-the-end-of-the-credit-card (2016-02-17)
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  • mobile payments | Which4U Australia - Money Blog
    looking towards innovative new payment systems for mobile devices The prospective launch of these new mobile payment systems could now spell the beginning of the end for the trusty plastic credit card Commonwealth Gold KaChing Last month Google announced their new Wallet app a system using Near Field Communication technology NFC which is designed to make payments easier for consumers while offering retailers more ways to offer loyalty programs But they may be beaten to the chase by Australia s Commonwealth Bank which has launched Kaching an app which allows smart phones iPhones to connect with cash registers and to make payments by email and Facebook It will be available before Christmas to iPhone users with operating system iOS4 or above and makes CommBank the first commercial provider of a mobile payment system more Tags Commonwealth Bank credit cards mobile apps mobile payments Posted in Credit Cards 1 Comment Share the Which4U Australia Money Blog Tweet Pages Home About Us Resources Categories Bank Accounts Credit Cards Home Loans News Saving Money Savings Accounts Term Deposits Archives Archives Select Month May 2014 January 2014 May 2013 March 2013 December 2012 November 2012 October 2012 September 2012 August 2012 June 2012 April

    Original URL path: http://blog.which4u.com.au/tag/mobile-payments (2016-02-17)
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