December 2015


Various Kinds of Frauds Associated with Credit Card Usage

The frauds associated with credit cards could easily be explained as the misuse of card for purchasing products or items, withdrawal of cash and performing transactions without the permission of the card owner. It has been noticed that the use of credit card has increased more than ever before. Presently, people prefer using these cards to other form of money. They find it harder to carry cash in their pocket all the time. Rather, they make use of credit card and shop around without any stress. Whenever, they have to purchase anything, they could simply take out the card and swipe it. The credit card bills could be paid within a stipulated time. That is why; people feel more financial freedom using the credit cards.

using the credit cards

Due to the increased use of these cards, the frauds have also increased more than ever before. It would be imperative to know about these frauds so that you could take preventive measures at the right time.

Applying for credit card

You would be surprised to know that several scammers might contact you through email and phone. They would try to allure you with attractive offers that might be too good to decline. They would be merely interested in taking away your valuable information. A number of cases have been reported across the globe with respect to identity theft. They could make use of your documents to commit crimes such as purchasing fake vehicles, mobiles and more. That is why, it has been strongly recommended to get in touch with bank officials directly. You must ensure that the documents are being used in the correct manner.

Applying for Credit Card

Online shopping

This has been one of the most common frauds that might occur anytime. People might use the credit card details to purchase stuff online. At times, the scammers would even purchase expensive items using other’s credit cards such as jewellery, electronics and various others. When the monthly credit card statement would be received, you might be shocked to view the payment history. It would be strongly recommended to hide your credit card details from everyone to avoid such situations.

Online shopping

Credit card not received

At times, you might not even receive the credit card after it has been approved. The scammer steals it from the mailing company or uses your identity for receiving the card. He would purchase the stuff using this credit card and the bill would come in your name. It might be difficult for you to deal with such a scenario, as you would have to prove to the lending company that you have never received the credit card and made such purchase. They might report it to the police officials also in case the credit card has a higher amount limit.

Credit card not received

It would always be a good idea to stay in touch with the bank throughout the entire procedure after you apply for Metrobank credit card and until you receive it. In case, you have not received it, you must inform the bank on time. The procedure revolving around the approval of your Metrobank credit card application should be thoroughly followed up until the time you lay your hands on the approved credit card.

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Moving Services

Benefits of Hiring a Moving Company

Moving is a pretty hectic job for people. Whether you live alone or have to move with a whole family, moving can be incredibly complicated. You will have to pack up everything neatly in different boxes and label them. You will also need to buy a lot of packing material and place it in the boxes that have fragile items inside. Bigger items, such as your furniture, will be carried directly. Beds and shelves will need to be unscrewed and taken down and kept together before moving begins. Once everything is taken down and packed, the next step is to hire a moving van and take the stuff from one place to another.

Hiring a Moving Company

All of this can take up to two days, and most people often end up losing or breaking their fragile items. However, rather than going through all of this hassle, hiring an experienced Adelaide removalist is a great option. Here are a few benefits of hiring a moving company.

Low Cost Moving

You may not realise it, but most people often end up incurring a sizeable expense while moving. Renting the moving van, hiring movers to help you shift your stuff, and then bearing the costs of any losses is going to inflate your costs considerably. However, rather than going through all of this hassle, hiring a moving company is a much better option. Most moving companies offer pretty economical packages to their customers. You can easily request an online quote in order to find out the exact amount you will have to pay for moving from one place to another. The costs are likely to be considerably cheaper.

Low Cost Moving

Peace of Mind

Another major reason why you should seriously consider hiring a moving company is the fact that it gives you peace of mind. Many people have to go through a lot of hassle in packing everything up and putting it in a moving van. However, if you are working with a professional moving company, you need not worry about anything at all. Just call up the company, and if you agree with their quote, let them handle everything.

Peace of Mind

Moving companies generally work with specialised movers who have experience in handling delicate and fragile items. Everything will be packed in different boxes, and an inventory list will be created. You don’t have to worry about anything at all. The company will shift all of your stuff from the old place to your new house, and will even unpack it for you. The whole process is extremely easy, and doesn’t require any input from your site.


Many people are often pressed for time when it comes to moving houses. It might take you a while to move from one place to another on your own, but hiring a moving company will speed up things considerably. The company will dispatch several movers over to your house to quickly pack up things and move your stuff from one place to another.


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BenchMark – Your Ticket For Getting The Best Possible Claim Amount

Surviving a natural calamity or a disaster makes us appreciate all the wonders of life. However, starting this new life with nothing, having lost everything to the brutal force of nature, is a tedious job. If our damaged properties are insured, then the insurance companies make this recovery work easier for us.

What we should keep in mind when placing the claim is that, insurer is not a friend. They mean business. They strive to make more money, and this is not possible, if they have to pay you the entire claim money. So they will do everything in their power to reduce the amount of claim.

pay entire claim money

Dos and Don’ts while placing a claim

The main problem with the insurance is that you fail to learn about it, until you face a loss. Hence, you are exposed to be vulnerable. Here are a few points to be noted:

  • Claim for rebuilding your damaged property will cost more than getting a new property
  • Checks marked as “full and final settlement” should not be cashed immediately. You might later discover a few damages previously missed out.
  • Do not settle for anything that is lesser in cost and quality. The insurer is entitled to pay for what you had.
  • Condo owners should get a HO-6 home insurance policy, if you want to protect your space and belongings
  • In case of a mandatory evacuation, the insurance covers all your “additional living expenses” including your accommodation and food.
  • Do not settle for anything less than the total cost. The insurers know that you are tired after the disaster and hence, may try to manipulate you.

Why To Hire A Public Adjuster?

Public adjusters work on your behalf to get what you deserve, from the insurance company. They will help you to:

  • Evaluate the damage to the property
  • Estimate the rebuilding cost
  • Compute your insurance payments and amount due
  • Expedite your insurance claims

Expedite insurance claims

The insurance companies nominate an adjuster to evaluate your damages. However, they are skilled negotiators working for their employer. They try their best to reduce the claim amount for the insurer. This is why hiring a public adjuster is the best option. They strive to get for you the best possible insurance claim.

How To Hire A Public Adjuster?

Most public adjusters compute their fees as a certain percentage of your total claim. The more claim amount you get, the more fees they gets. So they strive for getting the best claim amount possible for you. It is advisable to hire your adjuster at the beginning of your claim process. Hiring them at the end makes it difficult for them to assess the situation and hence, might cost you more.

Hire Public Adjuster

Hiring a good public adjuster, like BenchMark, gives you a reasonable chance to stake your claim. They will explain and process all the work on your behalf, and will attend all the meetings, answer your mails and phone calls and handle all the paper documents until the claim is settled. You can visit their website at, to know more about the way they handle things.

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