How to Send a Visa Gift Card Online

Sending money order is not secure what with the many fraudulence issues these days in addition to scammers populating the World Wide Web. Good thing Visa thought of a way to send money without exposing yourself to these threats. Now you can have the convenience of using Visa gift cards.

There is an easier way for you to send this gift card online. Here is a step by step guide on how you can do this easily:

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Step 1: The easiest way for you is to log on to the website It was previously known as and they were launched back in 1999. Today, they are one of the leading gift certificate sellers. They mainly sell Visa gift cards today instead of the usual merchant cards. They used to be the only place where you can buy these cards until it became widely available in retail stores.

How to Send a Visa Gift Card Online

Step 2: You can immediately purchase a card by clicking on the link to "buy gift cards". You are given two options. You can choose from either a corporate card or a personalized card. You can also choose from 8 designs. Just choose the one that will suit best to your preferences and the occasion. Input the quantity of the card you want to buy and click the button add to cart.

Step 3: If you are not yet a member to this site, you will need to create an account as you cannot buy if you are only a guest. If you are already a member, just type you e-mail address and key in your password. Don't worry, they will only ask you simple details like your name and the e-mail address you will use and nothing more.

Step 4: You will be directed to a form where it will ask you your name and how much funds you want incorporated in the card. After typing the details, click the next button.

Step 5: In this step, you are asked if you would like to put a message in the card. This will give it a personal touch so you are not only sending money to the other person, you are also sending your personal messages.

Step 6: This step will require you to key in your preferred method of payment. You can use your credit card to pay for the gift card. They also have an eBill me system. For the details of this system, you can check their website. You also have to give the personal details of the person you are giving the card to like their name and address. After that, click the submit button to process your transaction.

How to Send a Visa Gift Card Online

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Getting Credit Cards After Bankruptcy is Easier Than You Think!

If you have filed for bankruptcy and would like to learn more about your options for credit cards once you get your discharge, then you will want to read on. We will be taking a look at the different types of credit cards that you can utilize in your credit repair efforts.

Secured Credit Card

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Secured credit cards are the easiest type of card to get because, as the name implies, they are secured by a deposit that you place with the lender. Approval is based on your deposit rather than your credit. For this reason, a secured credit card is also called a guaranteed credit card. Find a card that reports to the three credit bureaus and has reasonable fees.

Getting Credit Cards After Bankruptcy is Easier Than You Think!

Merchandise Cards

Merchandise cards are commonly overlooked in the world of credit repair. For those who are not tempted to overspend or buy junk they do not need, they can be a good tool. Merchandise cards are credit cards that allow you to shop at a specific website or catalog. Make sure you choose a company that reports to the credit bureaus. Just be careful that you shop smart. Some of these type cards offer products that are grossly overpriced.

Unsecured cards for people with bad credit

If your bankruptcy has been discharged for at least six months, chances are you can get an unsecured credit card. Seek out companies that specialize in working with bad credit clients. Three companies that come to mind are Orchard Bank, Capital One and First Premier Bank.

Department store cards

Like merchandise cards, department stores are generally very relaxed with their underwriting guidelines. Why? Since their ultimate goal is to sell you products! You just need to be careful that you don't overspend. Do not go buy things that you do not need. But, if you have the discipline to stay within what you can afford to pay off each month, this can be a great way to establish credit. Gas Cards You are going to spend money on gas anyway, so getting a gas card can be a good way to build up your credit history. Like department store cards and merchandise cards, gas cards generally have very relaxed underwriting guidelines. The gas companies know that if they issue you a card, chances are you are going to choose to buy gas from them!

Make sure you do not get in too deep. The last thing you want to do is end up right back in the same situation you were in. If you think that you can't handle it, stay away! You don't want to end up right back in the same situation of not being able to handle your bills!

Getting Credit Cards After Bankruptcy is Easier Than You Think!

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Advice for Couples Headed for Divorce After Bankruptcy

Staying married is tough. That's one of the reasons so many people give up.

But staying together after a bankruptcy is really tough. Not only do you have your personal issues to work through, but you're constantly getting conflicting financial advice that can put you deeper in the hole.

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My wife and I made a promise early on in our bankruptcy that the "D" word wasn't allowed to be uttered in our home.

Advice for Couples Headed for Divorce After Bankruptcy

It must have helped.

Although neither of us has been divorced, we were headed in that direction on a few occasions. There was the time in 1995 that Michele stayed in a hotel overnight without telling me where she was. That was a real wake-up call.

But what would I have done if divorce had ever been an option?

I would have started by reading Mistake 24 on page 47 in Do You Make These 38 Mistakes with Your Credit? Here's what it says:

"A divorce decree does not change the fact that you are a co-borrower on a loan. What typically happens is a couple divides their debt with no regard for who is legally responsible for the debt. Each person is still responsible regardless of what the judge says.

Both co-borrowers will suffer if one borrower defaults. So it's best to assume responsibility for all debt for which you were a co-borrower. This will ensure your credit is not negatively affected.

If you are unable to assume responsibility for all co-borrowed debt, it's best to close the accounts.

If you have accounts that you cannot close, refinance them to put them in one person's name.

Closing accounts in this situation is the lesser of two evils. It will lower your scores, but it's better than repeatedly making late payments (refer to Mistakes 11 and 36).

You should also contact your lenders to determine what other options you have."

As I said, a divorce decree doesn't change the fact that you are responsible for any credit held jointly.

When you open joint accounts you and your partner sign a legally binding agreement holding both of you responsible for the account. The divorce decree is another binding agreement between two people who consent to divorce. It does not change previous agreements between you and other creditors.

It doesn't matter to the creditor who actually made the charges (if it's a credit card). It doesn't matter who agreed to pay in the divorce decree. And it certainly doesn't matter to the creditor that you're getting a divorce. The creditor will try to collect from both borrowers.

A word to the wise, don't sign a divorce petition until everything with your jointly held credit is worked out. Promises to fulfill at a later time or by a certain date can be overlooked and expensive to enforce.

What I mean by "worked out" is that all credit held jointly is closed, refinanced into individual names, or paid off to eliminate the debt.

"Worked out" does not mean that your ex-spouse has signed a promissory note or some other legal document promising to pay off debt.

An irresponsible or vengeful ex-spouse can wreak havoc on your credit rating for years after a divorce. It's legal harassment in its truest form.

Bottom line: the best advice I can give you is... not sign a divorce decree until all credit matters are resolved. Signing the divorce decree should be your trump card and a very good reason to make things happen your way.

What I've gleaned from divorced couples I've talked with is that they believe signing papers at the lawyer's office resolves everything. It doesn't.

You need to truly resolve matters, which, as I wrote above, means get your name removed from everything jointly held before you sign the divorce papers. That could mean refinancing, creating individual accounts, paying off debt, closing accounts, or whatever it takes.

The last thing you need are late payments appearing on your credit reports after your bankruptcy is discharged. A series of recent late payments can cripple your chances of getting low interest rates after bankruptcy and keep the dark cloud of bankruptcy hanging over your head well after it should.

If you plan ahead and pay close attention to credit accounts held jointly, you can ensure that your credit reports and FICO credit scores won't get damaged any worse. This is something that your divorce attorney will never tell you about. It's not their area of expertise. They simply don't know what kind of impact a divorce will have on your credit reports and credit scores. And frankly, they don't usually care.

When you're married, it's often easier to just make all accounts joint accounts. Many of us do it without even thinking. However, if you can both agree to have separate accounts in addition to your joint accounts, it can potentially save months and years of frustration for both of you if you do get divorced--or, for that matter, if there's an unexpected death, disability or layoff.

Another situation where things can get sticky is when your ex-spouse files bankruptcy and you don't. The creditors of jointly held accounts that your spouse filed bankruptcy on will come knocking on your door for payment...and eventually may push you into filing bankruptcy (if you haven't already) regardless if the debts that the spouse filed on were in the divorce decree.

Be aware that your spouse's negative narratives may appear on your credit reports and damage your credit. I talk about negative narratives on page 55 of Do You Make These 38 Mistakes With Your Credit?

Here are some credit tips to help you through a divorce:

Of course, you should also find a good and trustworthy lawyer (good luck!) to help you. Obviously, I'm not a lawyer. And none of what I just wrote should be misconstrued as legal advice. My focus here your credit rating.

Advice for Couples Headed for Divorce After Bankruptcy

Stephen Snyder is the founder of the After Bankruptcy Foundation a non-profit organization that provides free bankruptcy recovery information He has also helped people recover from divorce after bankruptcy [].

Be Wise, Get a BP Gas Card Application Today!

Many car owners are trying to meet both ends just to get by with the increasing problem in gas. Most of them instead of using their own cars will just have to commute, but still end up in large expenses. Fortunately we have solutions for it. Thanks to the gas credit card. Also known as the gas rebate card, gas credit card is actually a credit card type that significantly offers rebates on each gas purchases. You can avail this in both major credit card companies as well as from specific fuel companies. It provides the account holders with great discounts for the purpose of saving money in every gas purchase or gas transactions that they do.

There are actually two types of gas credit cards, the first type is usually offered by the gas company or the fuel stations that offers rebates on gasoline purchases by issuing such card in the particular fuel company or gas stations. The second type is the ones that is issued by the credit card companies but is not connected to any particular fuel station. It provides gas rebates in every gas purchases in any gas stations. One of the companies that offer this kind of gas credit card is BP. How you can avail this card?

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Simply acquire a BP gas card application form to a particular station. You can also apply online for easy registration. There are actually may websites that provides essential information as well easy step by step instructions on how to avail a BP gas card application. So check them out now!

Be Wise, Get a BP Gas Card Application Today!
Be Wise, Get a BP Gas Card Application Today!

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