PREPAID CREDIT CARD

BAD DEBT CREDIT CARDS - Financial Services and Markets Act 2000 – Warnings and Disclaimers

www.bad-debt-credit-cards.co.uk is not authorised to give advice under the Financial Services and Markets Act 2000.

1. BAD DEBT CREDIT CARDS hereinafter referred to as the Company and the client hereinafter referred as the client. Address Basilica house, southend avenue, Wickford Essex, SS11 8QS

Disclaimer All prepaid credit card and credit cards APRs, features, charges, benefits and other information listed by BAD DEBT CREDIT CARDS represent the most recent information available at the time of writing. Every effort is made to keep the site accurate, however we cannot guarantee that a prepaid credit card issuer or credit card issuer has not increased or decreased one or more of the APRs or fees/charges associated with a particular card or changed its features, obligations or benefits. Please be sure to read the prepaid credit card or credit Card agreement fully and carefully before making any agreement.

2. These terms and conditions are an integral part of any agreement between the Company and the client and between the Company and any third party or parties entered into the agreement. By presentation of these terms and conditions by the Company, the client certifies that he/she/they we accept and understand all provisions of any business conducted by/with the client and that these terms and conditions shall be in force during or after any business conducted by the Company and the client, be those private or commercial.

4. The Company will not under any circumstances refund fees on the basis of a cancellation of any transaction that the client chooses at his/her discretion. This is a non refundable fee except in a circumstance where we would be unable to provide the facility or a suitable alternative.

5. The Company will only refund fees on the basis that having accepted the client's pre-paid fee, the Company is unable to provide the service promised within the time period stated on our website and allowing a further 30 days in cases of delays by third parties and accepted by the client under the Companies standard terms and conditions contained herewith. In the event that a letter or form of communication sent via post or email is sent to the client, the client agrees to retain these documents as proof that the application may have been declined in regard to certain products and services that we offer. Failure to send any documentation to Compare Pre Paid upon request shall forfeit any refund claim from the client. The client also agrees that if they are declined for a product or service via a third party they must inform Compare Pre Paid or their agents of this declined application so as to approached further sources. In the event that the client has agreed to a certain application criteria and the application is declined the client agrees to show evidence that their application does match the criteria needed so as to complete a successful application upon request. In the event that a refund is agreed by the company and the purchase was a special offer or purchased in conjunction with any other product or service, the full RRP price for the product or service which is not in dispute shall not be refundable.

6. The Company provides its services on a 'best efforts' basis. The terms "you're approved" is a statement from Compare Pre Paid that the application is approved for processing and not a guarantee that the application shall be accepted. The statement guarantee/d is a statement from Compare Pre Paid that is subject to any criteria required as stated on our website for any product or service. The applicant, understand that Compare Pre Paid is not liable for delays from issuing clients and that processing time can vary from client to client.

7. The Company will not be responsible or liable for any monies/funds/securities, purchases or advice or recommendation made directly or indirectly to any client by any officer of the Company, either singly or jointly to/on behalf of its clients.

8. The referral by the Company to any client or financial institution of any kind does not carry any warrantee or guarantee of the financial stability of any client / customer or financial institution that the Company may introduce or recommend the client to, for the provision of client/customer/financial services. It is up to the client to due his/her due diligence on the client/customer or institution.

9. The Company does not accept any liability in the event of any financial failing or fraudulent activity or any dishonesty in any way by any client/customer/financial institution that the Company introduces the client to.

10. In the event of any bankruptcy or administration/receivership of any client/financial institution that the Company have introduced the client to, that the client will deal directly with the customers receivers or administrators, and will in no way contact the Company regarding the recovery of any funds due in any way to the client by the customer. Failure by the client to adhere to this clause will make the client liable to legal action by the Company.

11. In the event of any successful application by the Company on behalf of the client to any customer/financial institution, the clients agrees to operate the account his/herself and not under any circumstances request demand or order the Company to handle or operate the customers account(s) or service on behalf of the client.

12. The Company will not under any circumstances provide any information on the client to any third party except for marketing campaigns or affiliate of the client's application without the clients express permission.

13. The Company is not liable for any mistakes, delay non-payment by any client/third party.

14. The Company reserves the right to terminate relations with the client if the Company receives any information forcing it to do so.

15. The Company reserves the right to alter or change these terms and conditions at any time without prior warning to the client.

16. The Company reserves the right to change or alter the pricing structure on any documentation or website without prior notice.

BAD CREDIT CREDIT CARD

A credit card can be defined as a plastic card that allows customers to purchase any product or get a service without the payment of cash thereby enabling them to pay at a later date. To get the services of this card, the customer has to get his bank or company account that would sponsor his card. The credit card cannot be used to make purchases from business houses until the customers receive their limit in the card. The sponsor would receive a bill every time, which would tally the activity of the card in the previous 30 days. The different card terms and conditions needs to be understood for the customer to fully access the credit card. Credit cards have been developed only in the recent years. The bank of America began to provide license to banks to provide with special bank Americard only in the year 1960.

Benefits, Uses And Security Features Of A Credit Card

By issuing credit cards, different banking organizations and companies have made a lot of profit. They churn huge amount of money from the interest that is charged on the unpaid cards, as well as by charging of annual fee for the use of the card by the customer. The sponsors even profit by charging service fees for late payments. Different credit cards have been designed with certain features so as to avoid any fraud usage of the credit card. The security features of the credit card are the card's account number, its signature panel, and the magnetic stripe. The card's unique account number is of foremost importance as it deals with the main transaction work and therefore must be necessarily protected.

In order that people do not use a wrong account number, companies rely on different laws of statistics to help in protection. The second security feature involves the signature panel on the back side of the card. The signature panel is so designed so as to prevent criminals from erasing the black panel of the credit card and putting their own signature instead. The third security feature of the credit card is the magnetic stripe on the back of the card. Lastly, there are certain other security features that make the cards impossible to be duplicated. This is made possible by holograms.

Manufacturing Of Credit Cards

Credit cards are manufactured by layering plastic laminations together. The manufacturing process of a credit card involves a variety of stages. The different stages in the manufacture include compounding and molding, printing, lamination, die cutting and embossing.

Increasing demand for use of credit cards