By Darlene Berkel

The Visa Credit Card Company

Visa credit cards are a accepted all over the world, and their card services are available to a wide range of customers as well. Visa offers a variety of cards, and it is likely you will be able to find the right card for your needs.

The Visa Credit Card Company offers an online survey that helps prospective cardholders to choose the right card for them. The survey asks a few questions about the users needs and circumstances and the ‘online advisor’ will pick out the right card and direct the user to the visa credit card application form for the card that suits them.

First Time Applicants and Rebuilding Credit

The Classic Visa credit card is a simple card with a low spending limit; the card covers complimentary rental car insurance, will secure a lodging reservation, and can be used for everyday purchases.

The Student Visa Credit Cards will give students great money saving opportunities such as no annual fee, low annual percentage rates, reward or rebate points for purchases of school related items, and some cards will even give extra reward points for making good grades and using their credit wisely.

Visa even offer a pre-paid credit card for those who do not wish to be at risk of running up debt. The Buxx Visa credit card works just like a gift card, except that it can be re-loaded, and works anywhere that Visa is accepted. It is ideal as a ‘first card’ for children, since the parents select how much the child can spend, and there is no risk of a huge bill landing on the doorstep. It also makes a nice alternative to carrying cash around while you are travelling.

The Secured Visa Credit Card is another pre-paid credit card, except this credit card has all the power and responsibility of a real credit card; it is subject to annual percentage rates, finance charges, annual fees, and Visa will report the credit bureaus to help someone with no credit or credit problems establish new credit.

Gold and Premium Cards

Visa credit cards are available in a wide range of service levels; the premium cards include the gold, platinum and signature cards. Each of these cards is available from a variety of financial institutions; many people will find their local bank or credit union will carry the premium card of their choice.

The Gold Visa credit card will have a higher credit spending limit and higher credit standards to qualify for the card; the gold card will also offer the same services associated with a Classic Visa credit card.

The Platinum Visa credit card will have an even higher credit spending limit and require a very high credit rating to qualify for the card; the Visa Platinum card will have the same auto rental collision damage waver insurance as the Visa Classic card, as well as Visa’s Standard services.

The Signature Visa credit card is the most premier of all Visa credit card offerings; with super premier features such as travel insurance, rewards programs and many other high end services.

There are Visa cards for all types of customer, and Visa have made it easy for people to choose the right card for you. All you need to do is head over to their web site and let the survey guide you to the right card for your needs. You can even apply on the web site, and it only takes a few minutes – no paper forms, no hassle.

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By Sean A. Kelly

Harassment by debt collection agencies might have become more common in the recent times. With the economic recession and many people being unable to keep up with their debt payments many credit accounts which might have been delinquent and moved to the default list by the creditors would have been sold for very little money to collection agencies. One of my co-workers Christina Gonzalez was really harassed by one of the debt collection agencies. Fed up with the collection agency, Christina approached Freedom Debt Relief (FDR). The fact is that Christina is a very prudent person who believed in living within one’s means and in avoiding credit if it can be. She uses a secured card in case of emergencies pertaining to health requirements of her family and paying the balance with savings.

The day she received a letter from a collection agency informing her of an unpaid debt by Christian Gonzalez to the tune of $1000, was like a strike of lightning from the blue. Upon enquiring, she realized that her father Christian had run credit card debts to the tune of $1000 by the time of his death three years ago. Apart from the debt collection letter, Christina started getting harassing and threatening calls for the payment of debt. In spite of patiently trying to explain the facts to the debt collectors, the calls did not stop rather, they only increased. The calls were made at ungodly hours and also at Christina’s and her boyfriend Mark’s work place as well. Upon listening to her story, FDR advised her to approach the Better Business Bureau to lodge a complaint against the debt collector and explained that since the actual debt was incurred by a person who has since deceased, it would be in no position to help in settlement of the debt. FDR however guided Christina as to the course of action she might take so that she no longer would be harassed by the debt collectors.

When one might be harassed by calls from debt collectors, it might be helpful to be aware that the debt collection calls actually have limits and cannot be made before 8 AM and after 9PM or at one’s place of work, in case they have been told not to do so. As per the advisory issued by the Federal Trade Commission; after speaking to a debt collector, even if one might not be in debt, it might be best not to ignore the call and to send a certified letter with a return receipt advising the collection agency to stop the calls. This would prevent the collector from contacting unless under circumstances such as filing a law suit.

In case the debt collector contacts others they may not discuss one’s debts with the others except the debtor or the debtor’s spouse or lawyer. Debt collectors cannot make harassing phone calls or abuse the debtor including using of obscenities or threats or repeated calls. After contacting the debtor, the collector would have to notify the debtor in question in writing within five days with a statement of the debt owed and means to object the same if one would want to dispute the mentioned debt. Interest that may be charged on the debt should not exceed that permitted by the state law.

Misrepresentation of who the debt collectors might be, what is actually owed or that owing money would be treated as an act of crime is forbidden under the federal law. Any debt collector suggesting the same may be sued. One might be subject to garnishment in case of being sued and the court can order the action in case the debtor loses the case. One would be able to recover up to $1000 in addition to attorney fees and court costs in case a debt collector violates the Federal Debt Collection Practices Act by suing the debt collector for damages suffered both by their acts or for simply their violation of the rule. It might be helpful to contact the state attorney general and the FTC in case one would want to lodge complaints against a debt collector. Being aware of one’s rights in the face of debt collection call harassments would help in taking the bull by its horns.

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Freedom Debt Relief

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It can also be caused by chairs dragging across a hardwood floor above or simply the impact of a fork or plate that is dropped on the floor above. Impact noise is transmitted through the structural members of the floor/ceiling assembly and generally travels down through the floor joists and into the ceiling below at lightening speed. Impact noise is the most annoying noise you will ever have to deal in your condo or apartment. Sometimes it can actually feel like you neighbor is living in your unit. Sound familiar? When dealing with impact noise, it is always best to completely remove the existing ceiling and start from scratch. This can be a real chore especially if your ceiling is plaster and not drywall. (For plaster ceiling consult local drywall contractor) Once the ceiling has been removed, it is then recommended that you fill the joist cavities with sound batt insulation such as rock wool, mineral wool, or cotton batt insulation. Roxul and Greensound are common brand names for these batt materials. It is always best to completely fill the cavities with one of these materials, but if you dont have enough of these materials you can always fill the remainder of the cavity with common fiberglass insulation. Just make sure that the first layer of insulation (the layer against the sub floor above) is cotton, mineral wool, or rock wool. Now that your joist cavities are filled, you will then want to float your ceiling on sound clips and furring channels. Float my ceiling? What are you talking about dude? Im glad you asked; a floated ceiling is a ceiling that is connected to the ceiling joists using a device called a sound clip. Sound clips isolate the joists from the new drywall that will become your new ceiling. Heres how it works. You will screw the sound clips onto the bottom face of the joists and they will run parallel to the joists. The sound clips are then fitted with a metal furring channel also known as hat channel because it looks like a Dick Tracy hat if you look at it from the side. Furring channels come in 20 and 25 gauge steel, you can use either gauge with the Americlip sound clips. The furring channels will run perpendicular to the joists as they are fitted into the sound clips. Once you have all of your rows of sound clips and furring channel installed, you are ready to drywall. There is a trick to floating a ceiling and that is to make sure that your new ceiling drywall does not touch the adjoining walls and is completely independent of the ceiling joists. You will screw in your new drywall using self-tapping drywall screws that will screw through the drywall and into the metal furring channels. Once you are finished screwing the drywall to the furring channels, you will make sure that you have maintained a gap around the entire perimeter of the new ceiling. This gap will be filled in with acoustical caulk that is designed to remain pliant throughout the life of the caulk. Now that the new floated ceiling is installed and you have caulked in the gap around the perimeter youll then tape mud and paint the new ceiling as normal. Now if you are looking for the ultimate in soundproofing from impact noise as well as airborne noise from above, it is recommended that you float 2 layers of 5/8 drywall on the sound clips and furring channel, and between the layers of drywall you will apply a product called Green Glue. Green Glue is a visco elastic damping compound that when applied between 2 layers of drywall or any rigid wall board, acts to deaden both layers of wall board thus not allowing the drywall to resonate or transmit sound. When the sound is unable to pass through the drywall it dissipates rapidly and turns into heat energy. To sum this up, the absolute best way to soundproof your ceiling from the noisy neighbors above is to float the ceiling using the Sound clips and furring channel, and then installing 2 layers of 5/8 drywall suspended from the sound clips and furring channels with Green Glue sandwiched between the 2 layers of drywall. Now if space is an issue or money is a concern, you can get some great soundproofing and impact protection by simply adding another layer of 5/8 drywall to your existing ceiling, applying the Green Glue to this new layer of drywall and then simply screwing the drywall over top of you existing drywall or plaster ceiling. This method will not be quite as effective as the complete floated ceiling system using Green Glue, but if you are on a budget and need effective protection from the impact noise from above, Green Glue is a great way to go.

This is Dr. Bob….

Out!!!!