Imagine that one person has about 3 or 4 credit cards and each of these cards have different loyalty programs and rewards. How does the card holder track all these accounts without anyone slipping through the cracks? Talk about the rewards points, the loyalty programs and the rewards from multiple accounts.  Thankfully, there is a solution that simplifies the process. Click here to see how technology is used to simplify processes.

In this article, we will explore a powerful tool known as Award Wallet. We will look at how it simplifies the process of keeping track of multiple accounts and maximizing rewards and loyalty programs by the following means:-

Streamlining Credit Card Reviews

Credit cards are a dime a dozen these days and choosing the right one can be quite challenging. Every credit card company touts itself as providing the best service; they all boast of different kinds of rewards and perks, so much so that one gets confused about the one to choose.

Award Wallet is breath of fresh air that helps give clarity in the midst of such confusion. This platform curates information from different plastic money companies and provides users with helpful information. The major information passed includes the fees, reward structure and benefits to be derived from using the card. Based on the comprehensive review, users can make informed decision that aligns with their spending habits and specific financial needs and goals.

Additionally, the platform goes over and beyond sharing the basics stated above to giving individual recommendations based on the preferences inferred from the user’s financial profile. The premise for the recommendation is usually the result of analysis of the users reward preferences and spending patterns.

Users of the app/tool get reviews of credit cards once they are introduced into the market. For example, the Bilt Mastercard Review by AwardWallet clearly shows the pros and cons of the card and how frequent travellers can benefit from getting it. This in turn helps the user determine whether to go with the recommendation or not

Simplifying Loyalty Programs

Once a user accepts the recommendation to use certain cards, another challenge comes up which is that of managing more than one loyalty program. For a person that travels frequently, it will be quite tedious to keep track of different rewards in different currencies in addition to calculating airline miles and hotel points.

Award Wallet helps to alleviate this logistical nightmare by serving as the central hub for managing all loyalty programs.  Its intuitive interface helps individuals to manage everything from airline bookings to hotels and car rentals and everything in between. By merging all the pieces of information into one platform, an individual can see all their redemption options and reward balance. This holistic view helps them to make informed decisions that will maximize the value of their miles and points.

Furthermore, Award Wallet provides updates on promotional offers, expiration dates and account balances in real time. This means that users do not miss out on any opportunity for rewards or promo deals. So whether you just want to optimize your daily spending or you are planning a vacation, the platform helps you to get the best out of your loyalty programs.

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Optimizing Redemption Strategies

Apart from just accumulating reward points, getting the true value of these loyalty programs and plastic money rewards depends on how strategically you redeem the points. Award Wallet gives its users the insights and tools required for strategic redemption of reward points. With these tools, you get to utilize every mile and point to the fullest.

The innovative features of the platform like the redemption calculators and flight searches help individuals to identify the redemption options that are most valuable based on their reward goals and travel preferences.

Additionally, the platform helps clients get insight on point programs that are transferable and help them to take advantage of partnerships between various loyalty programs. This way they get the best of the flexibility of the program and also added value. This flexibility unlocks greater freedom for the redemption of rewards to the user.

Conclusion

The proliferation of credit cards and associated loyalty programs can actually have one confused in making a choice. However, credit card reviews are a good way of getting insights into what a customer should expect from a particular card company. Although credit card reviews are good, what is better is a platform that not only reviews the cards but makes recommendations and tells you why.

In this article, we have discussed some ways in which you can maximize credit card reviews and loyalty programs with Award Wallet. You no longer need to go through stress trying to manage multiple accounts and keep track of all your rewards and loyalty programs. Let technology help you out!

Elavon

Elavon offers a range of services to help businesses accept and process payments. The company’s suite of hardware and software solutions includes point-of-sale (POS) terminals, contactless payment options, tablet points of sale, virtual terminals, and more.

Its restaurant solution allows restaurants to streamline their ordering and payment processes, reduce wait times, and improve customer service. The company also provides mobile POS solutions and online ordering and payment systems.

The company offers 24/7 phone support and dedicated account managers. It also offers a free Elavon Connect dashboard that includes statements, product alerts, and account management tools.

However, the company doesn’t provide pricing information and has received a number of complaints about surprise fees, holds on merchant funds, and unexpected account closures. These issues make it difficult for businesses to compare Elavon with other payment processors.

Consumer reviews also note that Elavon’s prices change on a client-by-client basis, which can result in unexpected fees that could negatively impact business performance. In addition, many users have experienced delays in settling or depositing transactions, which can lead to late fees and lost income.

Although Elavon is a US-based company, its international presence helps it serve a wide range of merchants. This means it can offer solutions to small, local businesses as well as large multinational companies.

In-person POS terminals can be found in tablet or countertop form factors, and the company’s hardware includes Poynt smart terminals that work with contactless cards. In addition, the company’s e-commerce solutions are compatible with most e-commerce platforms and allow customers to check out through digital wallets.

The company also offers a range of solutions for healthcare, hospitality and travel, and entertainment businesses. These include secure point-of-sale solutions for table service, takeout, and concession-stand food services. Electronic check services and gift card acceptance are also possible with these solutions.

Businesses that accept credit and debit cards may have an obligation to comply with industry, card brand, and regulatory data security standards. Failure to meet these requirements can result in fines, additional fees, and a loss of revenue. To help ensure compliance, Elavon can offer state-of-the-art security solutions that protect transaction data both in transit and at rest with encryption and tokenization.

Global Payments

Global Payments is a large and respected payment processor that offers a variety of services. These include mobile solutions, POS systems, access to virtual terminals and payment gateways, prepaid programs, gift and loyalty options, marketing and analytics, payroll and HR, and business loans.

In addition to offering a range of payment processing services, Global Payments also provides a wide range of support tools for its clients. These include 24/7 telephone and email support, a customer portal, a merchant forum, and developer resources.

The company’s website is quite sparse on details about pricing plans, account fees, and contract terms, relying instead on sales representatives to disclose the information. This makes it easy to find yourself paying more than you should for your business’s credit card processing needs if you don’t carefully review all the fine print on your Global Payments contract before signing up.

Unfortunately, many of the complaints we’ve seen about Global Payments come from small businesses that have been misled or overcharged by their sales representatives. In particular, we’ve seen a lot of merchants complaining about excessive PCI non-compliance fees, which cost them hundreds of dollars each month.

Additionally, we’ve also seen many complaints about Global Payments’ poor customer service, especially with regard to account management. This is a problem that’s common across the industry and can be a real headache for merchants, particularly when it comes to resolving issues.

While Global Payments has made a few improvements to its customer support over the years, we still see a fair number of complaints about how poorly the company handles customer service calls and emails. This is a major concern for any payment processing company, but especially so when dealing with small businesses.

In a bid to improve its overall reputation, Global Payments recently started assigning each new account to a dedicated account manager. However, a growing number of users are voicing concerns about how this changes their overall experience. They say that they often have to wait for a customer service representative to approve a request before it can be completed, which can result in lengthy delays.

Intuit

Intuit, which is headquartered in Mountain View, California, is a financial services company that offers a variety of software products and online services. The company’s primary product is TurboTax, which is used to prepare tax returns and other documents. It also offers other products for consumers, businesses, and self-employed individuals.

While the company is headquartered in California, it has operations throughout the United States and Canada. Its customers include small businesses, self-employed people, and accounting professionals. Its products and services include QuickBooks, Quicken, Xero, Mint, Credit Karma, ProConnect, Mailchimp, and ImpotRapide.

Intuit also offers a range of payment processing services, including billing and reconciliation. If you want to know more about these services, visit the Intuit website.

Among the company’s most popular software products are QuickBooks and TurboTax, both of which provide users with the ability to file their taxes. Its other products include Payroll, which allows businesses to pay their employees and taxes electronically.

The company’s most successful business model is its free tax filing program, which Intuit uses to entice users to pay for its other products. It has done this by using a variety of methods, such as “dark patterns,” or design tricks that encourage users to click on a link and then pay for something they weren’t intending to buy, former employees say.

This strategy works because Americans’ anxiety about the tax filing process is so powerful that it usually trumps any frustration they might feel with the product, according to several former Intuit employees.

One of the ways it did this was by adding code to the TurboTax landing page that would essentially hide the Free File section from search engines like Google, so users would have to hunt for it. Another tactic was to use a paywall only when a customer was deep into the tax filing process, which meant they would have to start over with their data and fill out a new form.

The company has been under fire from the IRS for its treatment of Free File, and it has faced a number of investigations into its practices. The government has backed Intuit in the past, but the agency is now taking a close look at the tax preparation industry more generally.

Wells Fargo

If you have questions about your account or need assistance with a financial issue, Wells Fargo has customer support available online and in person. You can also use its social media pages for rapid assistance on Twitter and Facebook.

For small businesses, Wells Fargo offers business banking and credit cards. These are a great way to save money on your expenses while earning rewards.

The company also offers online resources and free financial education tools.

The company has a long history of offering a wide range of banking products and services to its customers, including credit card options and merchant processing. It is a leader in the industry, so you can count on its support for your business’s needs.

With this bank, you’ll be able to accept credit and debit cards at your retail location, online, or through mobile payments. Plus, you can enjoy the security of EMV chip technology for greater protection against fraud.

Its payment systems are designed to make your life easier with features like next-day access to your funds and simplified pricing. The company also offers automated straight-through processing, in which you send virtual card payments directly to your suppliers’ banks. This can help your business get paid more quickly and eliminate paper checks, which can be costly for your business.

When you are a new business and want to start accepting credit and debit cards, you’ll need to purchase point-of-sale (POS) equipment. You can also lease a credit card machine from Wells Fargo, which can be a great option for some smaller companies.

But be wary of merchant services fees, as they can vary based on the volume of transactions you process each month. You might pay a monthly fee, a per-transaction fee, and a charge for the software used to run your hardware.

You can also find information about fees and rates in the fine print of your merchant service agreement. In addition, you should be aware that some aspects of your merchant service program are outsourced to third parties, which can add to the cost of your services.

What are credit card processing fees?

A credit card processor takes a percentage of each transaction as its fee, plus additional fees per transaction. The percentage varies depending on how quickly you want to be paid after each transaction. For example, it is common to pay a 2.5% transaction fee with a one-day payment delay, and 1.8% plus 0.15¢ for same-day payment. Other fees include:

• Monthly Fee – This is a monthly fee that covers the cost of the entire system and the processing equipment necessary to run your business and process credit cards.

This is a monthly fee that covers the cost of the entire system and the processing equipment necessary to run your business and process credit cards.

• PCI Compliance Fee – The Payment Card Industry Data Security Standard (PCI DSS) sets out guidelines for any merchant who handles, processes, or stores credit card information.
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  For these merchants, there’s a cost associated with PCI compliance.

The Payment Card Industry Data Security Standard (PCI DSS) sets out guidelines for any merchant who handles, processes, or stores credit card information. For these merchants, there’s a cost associated with PCI compliance. Chargeback Fee – When you authorize a charge but the buyer requests to cancel it, you’ll likely incur a “chargeback” fee.

When you authorize a charge but the buyer requests to cancel it, you’ll likely incur a “chargeback” fee. Voice Authorization Fee – This fee is charged when following up on cardholder authorizations by phone. It covers the cost of using an operator to enter information and follow up with the cardholder’s issuing bank.

This fee is charged when following up on cardholder authorizations by phone. It covers the cost of using an operator to enter information and follow up with the cardholder’s issuing bank.

• Email Capture Fee – Some processors charge a fee for each failed attempt at online authorization. A common solution is to capture the transaction online and email a receipt to the customer. If you enable this service, you’ll likely have an email capture fee associated with it.

Some processors charge a fee for each failed attempt at online authorization. A common solution is to capture the transaction online and email a receipt to the customer. If you enable this service, you’ll likely have an email capture fee associated with it.

• Stop Payment Fee – If the customer wants to stop a transaction after it has been authorized, there is typically a fee for processing the refund.

How much do credit card processing fees cost?

The costs of accepting credit cards are established in your merchant account agreement with your credit card processor. Based on the rates in this agreement, you can plan for your credit card processing fees.

When is a chargeback fee applied?

A chargeback fee is typically charged when a customer disputes a purchase with their issuing bank. The merchant account provider will research the situation and determine whether or not to accept the chargeback. If it is accepted, the customer will be refunded and a chargeback fee will be applied to your account.

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But sometimes, you may miss it due to either delayed payments or bankruptcy caused by a personal financial crisis.

However, you don’t have to feel bogged down by bad credit now. You can improve your situation by getting a new credit card and using it properly. For this, you may have to consider the option of a second chance credit card. You can look at this as another opportunity to correct your credit history. If you pay your bills on time from now, your credit score can become better.

What Is A Second Chance Credit Card?

These credit cards tend to be distinct from regular ones as these target credit rebuilding efforts. If your credit score is about 300 to 619, you can look for one of them to solve your damaged credit score issue. Since a credit builder credit card helps you correct a low credit score through responsible use, you can find them to be lenient with their eligibility criteria. Still, it would be best to read their terms and conditions.

What Are the Benefits of a Second Chance Credit Card?

Like a secured or prepaid credit card, you can expect these types of cards to offer a few benefits. One of them is their ability to increase your credit score for better credit history. You may get it without needing a cosigner. Plus, it can ensure high fraud protection compared to debit cards. Some of these can even provide excellent rewards or cashback deals on shopping.

Still, you cannot afford to be casual with your usage behavior. Irresponsible use of these credit building credit cards can lead to worse credit shape, which you cannot take lightly. Hence, when you get a second chance to improve your credit ratings, make sure you pay attention to your payments.

Read More: Small Business Loan for Retailers

What Can You Do to Be on The Safe Side with The Second Chance Credit Cards?

After you get the card, you should start noting your payment timings. Pay your bills without delay, as it would reflect positively on your credit score. If you cannot remember all due dates, you can set mobile and calendar alerts to get notified in advance. Besides, you can select auto pay for recurring payments. At the same time, it would be better to reconsider your spending habits. If impulsive or reckless buying choices landed you in the trouble of poor credit, you’ve got to work on it a bit. To a certain extent, the lower credit limit of the card would also help. Along with this, please manage your card balance well.

In essence, a credit building credit card provides you with another chance to revise your credit history and credit rate for better. You can succeed with it only if you control your unacceptable spending urges and make timely payments. Before you choose any of these cards, make sure to check the interest rates they apply. These can vary from one company to another. Simultaneously, your credit situation could also matter.