Have you noticed your credit card charges rising monthly? Most statements are hard to read and are meant to keep you in the dark. Each credit card used for payments has a certain wholesale cost that is paid to MasterCard, Visa, Discover, and American Express.
Every credit card processor has to pay these mandated fees. The wholesale cost goes to the issuing bank. The cost difference is what the credit card company puts on top of wholesale. ......
Every minute about 19 people fall victim to identity theft. The Federal Trade Commission reported in 2015 that identity theft has been the #1 reported crime for 15 years in a row. It continues to be the fastest growing crime in America. Whether using somebody's social security number to open new accounts or illegally hacking into a bank account, all forms of identity theft can be serious and have different outcomes. Identity theft is not a new problem, but because so much of our personal information is stored electronically these days, this crime is happening more often, especially to children. Currently, the fastest growing segment of victims is children.
Today, identity theft encompasses more than credit cards and financial accounts. Tax identity theft claims more victims each year. Medical identity theft is another serious and growing problem – for both the patient and the providers. Whether your personal, financial, medical, tax, or child’s information has been stolen, correcting the problem is costly, time-consuming, and stressful. ......
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