Cards

Amazon Pay Credit Card is a lifetime free credit-card that comes with no joining fees or renewal Fees, and pays you back everywhere you shop. Amazon pay Card is issued by ICICI Bank in association with Amazon Pay (India) Private Limited (Amazon) and Visa.

What are the benefits of Amazon Pay Credit Card? 

• Get up to 5% back on Amazon Pay ICICI Bank Credit Card
• Earn 5% back on Amazon, in for Amazon Prime customers 
• Customers can earn 3% back on Amazon in for non-prime customers 
• Receive 2%back on 100+ Amazon Pay partner merchants using this card on Amazon Pay as payment method 
• 1% back on all other payments 

Earnings come in form of Amazon Pay balance. 

How do I apply for the card? 

• To apply for Amazon Pay Credit Card, you are to visit ICICI Bank site 
• Tap on the “Apply Now” link 
• Tap on the “Tap to proceed” link 
• Log into your account with your email or mobile phone number and password
• Then login into your account to create your Amazon account.

What Payment options are available for Amazon Pay Credit Card? 

Transfer Funds: Transfer funds using UPI, NEFT, RTGS, IMPS, Fund Transfer Abroad, Cardless Cash etc. 

Bill Pay: Payments to registered billers, BBPS Bill Pay, Fetch and Pay, Payment Biller Demo, List of All Billers 

Online Recharge: Prepaid Mobile, DTH, Data Card Recharge, Toll Recharge. 

Online Tax Payment: Direct/Indirect, Tax e-filing, Payment through Phone Banking – IVR, Goods and Services Tax (GST). 

Loans & Cards Payment: IMPS Credit Card Payment, ICICI Bank Scan To Pay, ICICI Bank Click To Pay, Call to Pay. 

Eazypay: Pay bills and invoices from any bank. With eazypay, you can pay your bills conveniently, be it your education, housing society maintenance or any other bills. 

Quick Shopping: Buy Flight and Bus tickets, Recharge Prepaid Mobile/DTH, Gift Vouchers. 

Pay at Stores: Touch & Pay using NFC, Pay using mVISA QR code, Pockets. 

Pay: Aadhaar Pay, Quick Pay, Touch & Pay. 

Can I pay credit card bill using Amazon Pay? 

No, you can’t because such option do not apply. However, you can pay your electricity bills, phone bills, recharge your dth, as well as other bills. 

How does Amazon Pay work for merchants? 

Amazon payments is designed to offer e-commerce solutions to your customers Amazon.com accounts. Simple tools are offered to help you customize your payments, shipping, sales tax, returns and chargebacks. Your customers can also pay without sharing their financial information, and they are also protected by the Amazon A-to-Z Guarantee. 

Amazon Pay Credit Card Customer Service Number 

For further inquiries on Amazon Pay Credit Card, contact the customer care unit by calling at 1800 103 8181. 

gohenry Visa Card is a smart card, issued by ING Financial Services. This card, offers an easy and fun way to pay allowance and solution for managing your child’s money. The card is designed for children between the ages of 6-18 years of age, with parental control which helps them manage their pocket money. 

What makes Gohenry Visa Card stand out amongst the rest? 

• Parent/child can easily block and unblock  the card without a phone call 
• Carries no debt, no overdraft, no expensive mistakes 
• You can set rules and limits to control your card 
• The card only takes minutes to set up and lasts a lifetime 
• Gohenry Visa Card can be used everywhere Visa is accepted 
• The card can be managed entirely by the parent and tailored to each child 
• Works both at home and abroad 
• Offers immediate and clear reasons for declined spending where your rules were broken 
• Keeps you updated on how much your child has to spend 
• Monitor your child/children weekly earning, saving and spending in graphical easy-to-use educational formats 
• Cardholders, can create savings goals, and allow gohenry automatically save towards them 
• Offers earnings, as you complete weekly and one-off tasks. 

gohenry, also has an app, which helps you monitor your children’s spending better. Here’s how the Gohenry app works;

gohenry App Benefits 

• Enables you set up pocket money transfers, and make one-off payments to your children 
• Tasks, can be set up, to enable your children earn more using the card 
• Your relatives, can be invited to contribute to your children’s savings 
• Set up single and weekly spending limits 
• Offers you the freedom of deciding where each card can be used: in shops, on-line or at cash machines 
• Block and unblock cards instantly whenever you wish without a phone call 
• You can view how your child spends in real time. 

How much does Gohenry card cost? 

• Monthly Membership Fee per Child – £2.99
• Loading Money to Your Parent Account (From your bank account)  – 50p

(From your debit card) – 50p

• goHenry Visa Card Purchases in the UK – FREE 
• goHenry Visa Card Purchases Abroad – 2.75%
• Money Withdrawals (From an ATM in the UK)  – FREE 

(From an ATM Abroad) – £2

• Standard Transfer to Your Bank Account – £5
• Closing Your Card – FREE 
• Replacement Card Fee – £3.99

 How do I sign up for Gohenry card? 

• You can sign up by visiting https://www.gohenry.co.uk
• Complete the first step as a parent by providing your details. This includes; Your email address, Confirm email address, Your title, Your first name, Your last name, Your mobile number, Create a password, and Promocode. 
• Tap on the “Continue” link. 
• In the second phase of the application, you are to provide your children’s details 
• The third step is about your security info 
• Finally you are to choose your card design. 

After signing up for a gohenry card, how long should I wait for the card? 

Your child’s gohenry card(s) should arrive within 7 days of creating an account online. If you don’t receive the card(s) within 9 working days, then they may be lost in the post or delayed for some other reason. If this is the case, then you are to contact gohenry Member Services team on 0330 100 7676. 

How do I activate the card? 

To activate your card, log into your account, and get given further instructions on how to activate your card. 

What do I need to do the first time my child wants to make a payment? 

The first transaction is made using the Chip & PIN function, thereafter, the card can be used contactlessly wherever there is a contactless card reader. 

Before attempting your first transaction, you are advised to clean the chip, as the chip might be occasionally obscured by the glue used to stick it to the carrier letter. 

If your child’s contactless transactions hasn’t worked, despite having already made a successful chip and PIN purchase, you are advised to contact Gohenry Member Services team on 0330 100 7676. 

How do I deactivate my child’s Gohenry card? 

If your child has lost their Gohenry card, you or your child, can instantly block the card in your parent account, once you are ready, you can use a few simple steps. 

How to deactivate on the website 

• Sign into your gohenry parent account 
• Tap into your child’s account and choose “Card”
• Tap “Block” under the picture of the card and confirm when prompted 
• Immediately you locate the card, you can reverse this process by tapping “Unblock”. 

How to deactivate on the mobile app 

• Sign in, and tap “Cards” at the bottom of the page 
• Choose the correct child’s account. Tap “Block” under the picture of the card and confirm when prompted 

Your child can also block their card using the same method if they need to. 

My child’s gohenry card has been stolen. How do I replace it? 

If your child’s card has been stolen, you are to block the card immediately via the mobile app or website to prevent it from being used fraudulently. Immediately the card is blocked, you are to contact gohenry Member Services team on 0330 100 7676 where you will get the card replacement, and also offered any necessary extra support. 

How do I check my gohenry parent balance? 

To check your gohenry parent balance, sign into your parent account on the website or mobile app. You’ll see your parent balance displayed at the top of the home screen. 

How do I check my child’s gohenry balance? 

You can check your child’s gohenry balance, by logging into your parent account via your website or mobile app. You’ll see your child’s balance listed below your parent balance. The amount displayed, is what your child has available for spending, and excludes any savings goals. To view a breakdown of your child’s available to spend, pending funds and saving goals, tap on their name to pop up their “Summary” page. 

Can gohenry card be used online? 

Presently, your gohenry card is not eligible for use with Apple Pay. However, you can use your card online, on the high streets and in ATM cash machines. 

gohenry Visa Card Customer Service Number 

For further inquiries on the Gohenry Visa Card, call 0330 100 7676. 

Say goodbye to fees with Petal Visa Card. Designed for millions of Americans with limited or no credit, Petal Visa Card, charges no late fee, international fees, annual fee, or any other kind of fee.

Those who are faced with the challenge of getting approved for credit with no history, can take advantage of the Petal Visa Card, which checks your current digital financial record by looking at your bank account rather than check the usual creditworthiness factors, like other cards do. Petal Visa Card is issued by Web Bank. 

Who is the Petal Visa Card For? 

Petal Visa Card is made for Americans who want to build credit, but are considered ineligible for cards by most credit companies. This card gives people a chance, as it grants cards, based on a person’s full digital financial record, rather than just their credit score. 

Why Petal Visa Card? 

• No fees 
• Starts at a $500 minimum limit once your approved, and a maximum of $10,000.
• It’s mobile, app also enables Petal help you monitor your spending practices 
• No credit history required 
• Offers money management tools 

What Fees/Rates should I expect? 

• Annual Fee – $0
• Purchase APR – 15.24% to 26.24% (Variable) 
• Intro Purchase APR – N/A
• Intro Balance Transfer APR – N/A
• Balance Transfer Fee – None 
• Foreign Transaction Fee – None 
• Interest Free Period – Up to 21 days 

Who Can Apply For This Card? 

• Just anyone can apply for the Petal Visa Card, even if you do not have a prior credit history. 
• Those with a history of bad credit or poor financial history, will likely be disqualified from getting the card 
• Those with fair to good credit score are likely to get approval. 

Things You Should Know Before you Apply 

• You must be at least 18 years of age 
• Be a US resident 
• A valid Social Security number or Individual Taxpayer Identification Number (ITIN) is needed. 

What Credit Score is Needed? 

No credit history is required to apply for the card, although, you’ll stand a better chance of approval if you can prove sufficient income and a responsible history of paying your bills. You can apply if you have a fair to good credit score. 

How do I apply for Petal Visa Card? 

• Apply by scrolling to the card website 
• Click on the “Apply Now” link 
• Enter the necessary information on each form provided, to complete your application 
• If you are pre-approved, you’ll be invited by Petal to complete the full application. 

Does Petal Visa Card allow balance transfers or cash advances? 

No, Petal Visa Card does not permit balance transfers or cash advances. 

Does Petal Visa Card have EMV technology? 

Yes, Petal Visa Card is embedded with “EMV” (Europay, MasterCard, and Visa) technology, which makes it more secure as compared to magnetic-strip cards. 

How does Petal Money work? 

Petal has no customer fees, and thus makes money via merchant fees collected once you use your card and the interest charged if you choose to carry a balance past your due date. 

What payment options are available? 

Autopay 

Customers can set up Autopay in their Petal account, to avoid missing payments. 

Mail 

Mail your payment to 

Petal 

P.O. Box 980515

West Sacramento, CA 95798

Petal Visa Card Customer Service Number 

If you have any question, call 1-855-697-3825. 

Students who are new to Canada with no credit history, can now take advantage of the L’earn Credit Card which offers an accelerated Money-back rewards for students.

Reasons you should get this card for your everyday purchases 

• Cardholders enjoy a 1% Money-back reward 
• Free from annual fee stress 
• With your card, you can spend wisely, and earn valuable rewards 
• You can make use of your card, to build a good credit rating 
• L’earn Credit Card is compatible with Visa payWave™. All you have to do, is wave your card and go 
• Qualifies for My Mobile Wallet 
• Qualifies for Apple Pay, as well as Android Pay 
• Easily check out online with Visa Checkout 
• Rewards you with accelerated Money-back rewards program 
• Enables you save on car rentals 
• Revel cash advantages 
• Offers you protection, from some of life’s unpredictable events like disability, job loss, strike or lockout, critical illness or loss of life. 

What Fees/Rates should I expect? 

• Annual Fee  – $0.00
• Interest Rates – 19.99% / 22.99%
• Credit Limit – $500.00 (Minimum) 
• Cash Advances – 22.99
• Annual Purchases Rate – 19.99%
• Interest Free Grace Period – 21 days 

Things you should know before you apply 

• You must be an International Student with at least 6 months left on your permit 
• Should reach the age of majority in your province/territory (18 years in AB, MB, ON, PE, QC, SK, 19 years in all others) 
• Must not be declared bankrupt in the past seven years 
• A Canadian address is needed. 

How do I apply? 

You can apply by doing the following;

• Scroll to Scotiabank application page
• Review, and consent to the terms and conditions of the credit card
• Tap on the “Continue” link to proceed further
• Key in the following; First name, Middle initial, Last name, Home phone, Mobile phone and Email address.
• Next, enter your employment information, which is employer name, phone number and time employed 
• Thereafter enter your gross monthly income – annual income before deductions divided by 12.
• Monthly housing costs – monthly rent or mortgage payment 
• School information – name, program, expected graduation date 
• Your passport is required 
• Key in your date of arrival in Canada – you must currently be in Canada and have arrived in Canada within the last three years 
• Then enter your Canadian Visa /Landing Document Number. 

How do I add a supplementary card? 

To request a supplementary card, login to Scotia OnLine®. Note, you will be responsible for all transactions made by the supplementary cardholder you add to your account. 

How do I increase my credit limit? 

If you want to increase your credit limit, you can do so by choosing any of these options;

Online 

Simply log into your Scotia OnLine® account to make your request. 

By Phone 

Just call 1-800-367-6466 (Canada/USA) 

In Person 

Contact your Scotiabank branch. 

How do I report a lost or stolen card? 

If you lost your credit card or it was stolen or you need a replacement, you are to call Scotiabank right away to have a replacement card sent to you. 

1-800-387-6466 (Canada/USA) 

Call (416) 288-1440 (Greater Toronto, outside Canada and USA, call collect) 

Call 1-800-645-0288 (TTY – Canada/USA). 

How do I switch or close my account? 

If you want to switch to another Scotiabank credit card, consolidate multiple Scotiabank credit card accounts, or close your Scotiabank credit card account, 

Call 1-866-267-4935

Monday to Friday 9:00 a.m. – 9:00 p.m. (ET) 

Saturday 10:00 a.m. – 6:00 p.m. (ET) 

How do I activate my card? 

You can activate your card online or call at 1-800-806-8600. Activating your card is quick, easy and secure. Once your card is activated it is ready for use. 

Note; Only the primary cardholder can activate a credit card. 

How does the Moneyback reward program work? 

L’earn Credit Card instantly offers you a Money-back reward of up to 1% on purchases you make using your card. 

With Low Money-back reward tiers, you easily earn more rewards. 

Here’s how it works;

Annual Net Eligible Purchases % Money-back Reward   

the first   $500   0.25%

On the next   $500   0.50%

On any amount over $1000  1.00%

L’earn Credit Card Customer Service Number 

If you have any question, call 1.800.4SCOTIA (1-800-472-6842)

1-800-645-0288 (Services for Deaf, deafened and hard of hearing) 

(416) 701-7200 (Greater Toronto/outside Canada and USA, call collect). 

It is true that your credit card debt can truly be erased or forgiven? This is actually the though of many when the hear that word “Credit Card Debt Relief “ . Infact, there’s no such stuff, it’s not in existence and it’s not possible to settle your debt even less than what you owe. In this work we will discuss more elaborate on credit card debt relief and the effects it has on your credit score.

What is Credit Card Debt Relief

This is a process or period that your Credit Card issuers hands you over to debt collection agency for negotiation with them. For instance, let’s say you have $20,000 Credit Card balance and you’re behind payment of your bill say for 6 months. Now, your credit card issuer would have sold your debt  to a collection agency for negotiation with them.

Then, you have to agree with the debtor collection company to pay back $15,000 by installation. The amount of debt relief you have received now is $5,000. Therefore, that you are pardon some percentage doesn’t mean that should forget the rest of the debt, though, you may have to pay taxes on it.

How To Avoid Credit Card Debt Collector

There are steps to apply to avoid any debt issues with debt collector. If prompt action is taken as soon as possible, there will be a chance to discuss with your credit card debt issuers before the get in touch with the debt collection company:

Take Prompt Action To Reduce The Damage on Your Credit. 

As a cardholders, you know that you would not net up on your bill payment, contact your credit card company on time. Speck with the hardship department and let them know your situation. This might help to grant you an extension and this will minimize your credit score damage. But this can only last for 12 months. 

Met A Credit Counselor

At this point, you need to met a credit card counselor. This must be an agency accredited by the National Foundation for Credit Counseling. The counselor can help you with a debt management plan, they said amount can be paid up in five years installments at a reduced interest rate. Debt management plans are offered by non-profit agencies. However, if the issuer company have not yet transfer the debt collection company, this will stand as the best debt relief mechanism.

Negotiate With Debt Collection Company 

This one of the options on how to settle your credit card debt relief. Launch out and negotiate with debt collection agency personally, but one need to be very careful on your discussion with them. You need to know your right so as to protect yourself. Based on your current financial condition, you may even negotiate a huge sum payment or make a convenient installations negotiations. This should be documented, go the extra miles to get an attorney to assist you get through the negotiation. 

Watch out For Debt Settlement Companies

When using the services of a debt settlement company ensure that they are duly registered for the service the are rendering. Some of these companies engages in deceptive and unfair practices. They charge upfront, claim a new government programs will wipe out your credit card debt or guarantee you a large amount of the debt will be removed. Some will even go ahead of asking you not to make your debt payment straight to your credit card company, this might affect your credit reports and scores negatively. This might makes you have others penalties to deal with, late fees and all of that. Withholding payment for a long term may cause your debts to turn into “collection accounts” therefore, causing more harm and putting you in danger of being sued by the credit company for repayment. 

Bankruptcy Option

This option is said to be better than debt settlement that requires installment  payments that you may be able to manage. One does not need to wait for a longer time to met attorney. You don’t have to see the red flags signal  you need to take preventive action. Such as liquidating some of your assets to pay your creditors. Keeping your physical property but making a single monthly payments towards the debts for a period of three to five years. Bankruptcy may give you the convenience platform to pay off your debt but it may also affect your credit for years. Proper research has to be made before you take your decision on filing for bankruptcy. 

In conclusion, when faced with the challenge of paying off debt do not kill yourself with thought, take a fast steps by developing plans to sort the issue out. Reach out to your creditors, discuss the debt relief or any repayment plans that might be available for you. Contact a non-profit credit counselor that may be of help. Explore all options, weigh the benefits against the cost, eventually, you may go across a plan that suitable for your debt management.