CCwi

tho
utOnl
ineac
ces
s

Ex
planat
iono
nCr
edi
tCar
dTo
pUpwi
tho
uto
nli
neAc
ces
s

Hell
oeveryoneI'mhereagaintodropt
hisli
keit'ssohot,
I'mdoingt hi
sbecauseibel
iev
eweallcou
ld
achi
eveandmak eitbi
gi nli
fetoge
ther,thesk
yi ssobigforal
lbi r
dstoflywithouttou
chi
ngeach
ot
her'swings.Iwasanobodybefor
eGo ds t
arteddo i
ngmirac
lesinmyl i
fes oIbel
iev
eifIcan'thel
p
myfe l
lo
whu stle
rsthenIhaven'
tfulfi
ll
edmymi s s
ionint
hisworld.

Enj
oymyfr
eeCr
edi
tCar
dTo
pUpTu
tor
ialwi
tho
uto
nli
neac
ces
s.

Wha
t'saCr
edi
tCar
d?

ACredi
tCardisac ardis
suedbyaban koracompanytoanindi
vidualall
owi
nghimo rhert obeabl
e
t
otakesomeamo u
nto fcashoncredi
t(overdr
aft)andpaybacklat
e r,al
lcr
editcardhav eli
mit
,and
t
heleas
tCCl i
mithav ese
enis100$.Befor
eabankc ani
ssueyourcl
ientaCr edi
tCar dhiscredi
t
s
cor
emu stbegoode nou
gh.Acli
entwithbadcredi
tscor
ewillno
tbei ssuedacredi
tc ar
d.

Andyo
urc
li
entc
redi
tsc
orewi
llde
ter
minet
hel
imi
tonhi
sorhe
rcr
edi
tcar
d.

Forins
tanc
eifWell
sFar
gois
suesyo
urcl
ie
ntacre
ditcar
dwithali
mitof10
0$t hi
smeansthatyo
ur
cli
entcans
hop10
0$o ncr
edi
tandpaybac
klat
erwhenhehasthemone
y.Buthecan'
tshopmore
than100$.

No
tet
hatyo
ucan'
tlo
admo
ret
hant
hec
redi
tcar
dli
mito
fsho
pabo
vet
hec
redi
tcar
dli
mit
.

WhenLoadi
ngaCCno t
ethatyour
eo nlypayi
ngthedebtonthecardandbythisyouar
egivi
ngthe
cl
ientt
heoppo
rtuni
tytosp
endmoreandbu ymo r
e.I
fac li
enthasaCClimi
tof1 00
$andalsohavea
debtof100
$o ni
tthatmakess
enseallyo
une eddoi
sp ayofthedebtof100$andheshop
sagain.

NoteCredi
tCardt op
ingupdon'
tburs
tli
keMDo rACHdo e
sitmighttakeoveramonths
ometi
me s
notuptobutasl
o ngasyoureus
ingagoo
dlogi
nIwillas
sureyo
ut hatyo
u rc
cTo pUpnasmo
oth.And
cashou
ts u
rei
ft hecli
entnodul
l.

WHATYOUNEEDTOTOPUPACCWI
THOUTONLI
NEACCESS

1
,Agoo
dcomple
tefu
lllogi
nwi
thgoodbal
ance.I
fyouhav
ebeenfol
lo
wingmyfre
etu
tor
ial
syo
uwi
ll
u
nde
rst
andwhatImeantbyco
mple
tefu l
llo
gins
.Yo
ugetthi
sfro
ms pammer
s.

2
,RDP/PAI
DVPN

3
,CREDI
TCARDi
nfowhi
char
e:

a,
Car
dnu
mbe
r

b,
Exp
irydat
e
c
,CVVatt
hebac
kso
met
ime
sinfr
ont
.

d,
Cli
entfu
llname
sonc
ard

e
,cl
i
entaddr
esswi
thz
ipc
ode

f,
SSN(So
cialSe
cur
ityNu
mbe
r)

g,
Dat
eOfBi
rth

h,
Pho
nenu
mbe
rofc
li
ent
.

4,
AUSA nu
mbertoc
allbo
thbank
sbankswhi
chisyo
url
ogbankandthecl
ie
ntc cbank
.I
pr
efe
rTal
kat
oneappi
t'
sgoodandbett
eryougetfre
eUSAnumberandju
s ts
ubscr
ibetomakei
t
go
od.

5
,Yo
une
edaVo
icec
hange
rap
ponyo
urp
honei
ncas
eit
'safe
mal
ecr
edi
tcar
dyo
uret
opp
ingu
p.

6
,You
rint
onat
ion,
youhav
et ofo
rmyourvo
icel
ikeyo
ur eawhi
temanandyouhav
etos
peakl
ik
e
t
hemcoss
ometi
me syo
umightbedi
rec
tedtosp
eakwiththeac
cou
ntmanage
randnott
hemachine
.

7,Youneedbot
hyo urbankl
ogi
np ho
nenumbe randcreditcar
dc o
mp anyphonenumber.
Fo ri
nstanc
e
ifyourbankl
ogischasesea
rchonchasewebsi
teforthe i
rphonenumberandwr i
teitdown,s
ameas
thecredi
tcar
dt oo
,ifyourcre
ditcardcompanyisAme xsear
chforAme xphonenumberandk e
e pi
t
als
o.

8
,Cou
rageandDedi
cat
ion.
YoumusthaveCou
rageyo
umu
stno
tshi
vero
rfe
aryo
uwi
llt
alkt
othe
m
l
ik
eyourether
ealo
wneroftheac
countandcar
d.

HOWTOLOADCC:

Aft
erge
tti
ngal
lthi
sabo
vet
ool
sno
wfo
ll
owt
hisi
nst
ruc
tio
ns.

1,c
heckthecreditcar
ddetailstohaveknowl
edgeabouti t
.Gotobinli
st.
net/andente
rthefi r
st6
or8numberoft hecardo
nt hebinl
istwebsi
teanditwillbri
ngoutthefulldet
ail
softhecard.Read
moreaboutth
ec ardongoogletogetfamili
arwiththec ar
dincasethebankasksomestupi
d
ques
tio
ns.Makes ur
eyougett heCreditCardbankphonenu mbe
rit'ssoimpor
tant.
Costhat'swhat
weneed.

2,dot hesamereadingo nyourbanklogi

ntoo,butplsdon'
tcheckyourbankl
oginonbinli
stoooooj
ust
searchmo reabo
utt hebankandmak es ur
eyo udon'
te xpo
seanypartofyourbankloginooo,t
oavoid
ourloginbeenspoi
lt
. PlsnotethatIonl
ysaidyo us
houldchec
kyo u
rc conbi
nli
stdon'
tc heckyour
lo
gino nbinl
is
toawo rdisenoughforthewise
. Andplsmakesur
eyo ugetthebankphonenu mber
alsowene editt
oo.

3
,Swi
tchonyourp
honeandVPNandst
artyou
rt al
kat
oneapp,
pu tacal
lthr
ought
oyo
urc
redi
tcar
d
c
ompanyt
ok no
wthebal
ancel
eftoni
tsoyoucanknowtheamounttolo
ad,

No
wpu
tac
allt
hro
ught
othebankl
ogands
peakwi
tht
hec
ust
ome
rre
pre
sent
ati
vewi
thyo
uryank
ee
v
oic
eoo.Youwil
lbeaskedsomeque
sti
onstoknowifthr
oughlyyouownthatbanklogi
n,t
hec u
sto
mer
r
epres
entati
vewil
las
kfo rSSNdateofbi
rthsometi
meszipcodehouseaddre
ssonli
nepasswo
rdetc
.
e
xampleonhowtocal
l,i
fyouhaveabankl
ogo fchas
eandt hecl
ientnameisJamesMathew.

Hel
logo
o dmorni
ng,
mynamei sJamesMat
hewI
'mcal
li
ngyout
oputsomec
ashonmyc r
editc
ar d
fr
ommyba nkac
countde
tai
lssoIcoul
dus
emycar
dforsomesho
ppi
ngatthemal
lto
mo rr
ow,can
yo
udot hatformeassoo
nasp o
ssi
ble
?

Sotherepr
esentati
vewillr
ep l
yyouye sbu
twene edtov e
rifyyouretherealo
wne roftheacc
ount
si
r,sos
hegos tar
ttoas ksomequ es
tio
nsjustmakesureyour i
ghtthemdownsome wher
eandanswer
al
lthequest
ionswit
he aseandp l
sdon'tru
sh.Someti
me stherepre
sentat
ivemightaskyouthe
cur
rentbal
anceo ntheaccount.

Afterput
tingthecal
lthro
ughandans
we r
ingallque
stio
nsrel
ati
ngtotheac
countyo
uwillbeaskthe
amo u
ntyouwanttolo
ado nyou
rcctel
lthemt heamountandwai
tsomeminu
tesyouwil
lbegivi
ng
confi
rmati
oncodetogivetoyo
urCCcomp an
yt ofi
nishupthel
oadi
ng.

Notethatthere
p r
esent
ati
veo
rmac
hinewi
llt
ellyo
uthel
imi
toft
hec
ardt
heamo
untr
emai
ningand
theamountyoucanlo
ad.

4,Putacallt
hrou
ght ot
heCr e
ditCar
dc ompanyals
oan dansweral
lquest
ionsaswel
lthenthe
re
p res
entati
vewi
llas
kforthec o
degi
vingtoyoubyyo urbank,
givethemthec o
deandt he
ywilll
oad
yourccforyouandtheywi
llgiv
eyouconfir
matio
nc odeandalsosendanemailtot
hee mai
l.

Notethats
o meti
mesi
tmighttak
e2 4ho
ursbe
for
eyo
urmo
neyi
sbe
enp
ost
edo
rmo
reo
rso
met
ime
s
l
essthan24hou
rswhil
eso
me t
imesins
tant.

5
,The
nyo
urefr
eet
ore
mov
eyo
urc
ashands
hopfo
riTu
nesc
ardo
rse
ndt
hro
ughWUo
rMG.

Andr
elo
adagai
naft
er2
4ho
urss
amewayyo
udi
dthefi
rstl
oadi
ng.