Nectar loyalty card

Have you ever wondered how a credit card transaction works? What is the process flow after swiping the small credit card through that little black box? These questions bothered me for some time and finding the answers lead to a diligent job search. Consequently, the search ended when I found employment at Vantiv, a Merchant Credit Card processing company in Houston, Texas. The year was 1998; the company offered me a customer service position in their call center. Eagerly I accepted the job;…

how they can maximize their total earnings, and credit card companies are no different. While students may be one of the better targets for this because the majority don’t have credit cards and are low on funds; they also are some of the ones in most danger of overspending with not being knowledgeable. Even though this is the case, I think if the credit card companies are doing this in a more transparent and informative way than normal credit card signups, it is not a wrong thing to do,…

One of the most convenient ways to plan your savings is by using your smart phone. There is an app called Qapital that allows you to link your debit card and bank account to essentially keep a portion of what you spend. Instead of only keeping the leftover change the app allows you to set up what amount you would like to save and you can even split the portions into different savings funds whether it…

As a person who is looking to take advantage of the rent-to-own program, I believe it is a great way to help people who otherwise would not be able to make such a purchase. I went to a bank, which I will leave un-named, to find out what I would need to do with them in order to get a home loan. It was at that time that I found out that, I do not have a credit score at all. The loan lady told me that I was a first for her, that she had never seen a credit score come back with no number on it. I…

which is better known as a federated identity. This paper will discuss some problems that can arise when not having SSO in place, some advantages and disadvantages when using SSO for AD and LADP access and a comparison between Kerberos-based and smart card based SSO. Problems in organizations without SSO implemented When organizations do not have SSO implemented, it can cause some issue for system users. Reports have shown that an…

According to the principles of accounting course, accounts receivable occurs when a customer purchases goods or services and promises to pay for them in the future. This helps consumers receive goods when they may not have the funds to purchase them, creating an account receivable, or when they cannot afford the whole amount upfront and want to make payments they create a note receivable, which usually accrues interest. When it comes to the business side, granting credit helps increase sales,…

In the book, On Fire, John O’Leary is always encouraging us to “take off our mask” and really get to know each other. In my, My Journey paper, I could have dived deeper and “taken off my mask” in it to let people know what has really happened in my life. It has always been a hard topic to talk about, but as I have gotten older it has become easier to open up about. John O’Leary made it clear in On Fire by saying, “It’s time to embrace your story and to celebrate the amazing miracle of your life”…

changes there are also risks associated. Bitcoins are solely virtual, along with how the Bitcoins are stored in the user’s wallet amongst the bitcoin network. Including that the bitcoin can never be altered or disappear within the case of credit cards and debit cards which can be hacked and stolen for others to use. How Bitcoins popular way for users to pay is by using their mobile phones, including of paying over the Internet to E-commerce sites, or in person payments to businesses. Bitcoins…

In the today’s world of the high technology workplace and business environment there are several factors that need to be considered when designing a computer network. Integrity and vulnerability of data, cost of the network itself, accessibility, flexibility for expansion and ability to support the consumer. Other factors that should be considered when setting up a network include: What is the purpose of the network, what are the bandwidth requirements to efficiently operate the network and…

The GI Bill is a use-it-or-lose-it military benefit and expires 15 years from the day you leave active duty. In 2014, I would only have 4 years left to use the GI Bill, before the benefit would be lost to me forever. Fearing that one day I would regret not using this important benefit I decided to utilize it. Not being in school for the last 20 years, I decided I just wanted to get my foot wet first, so I decided to take the required real estate classes to be a mortgage broker. I decided to…