technology

Customer charges for use of A T M  

Automated teller machines have gained prominence. Banks levy different charges for using atm.

International experience in countries such as Germany, France, UK, bank customers have access to all ATM s in the country, free of charge except when cash is withdrawn from white label ATMs or ATMs managed by non-bank entities.

It is 100 % time saving.

But it is dangerous also. Any body knowing atm pin can withdraw the money. a person open a account in one state and withdraw at another state is also possible. if he underwent any crime and he escape to other state he can take money for expense.

All national banks along with m n c banks must maintain the strategy. In nation owned banks they separate hour to fill cash and accountability .this normally takes one to one and half an hour.

In case any holiday proceeds the a t m of nationalized banks will have no money on the next day evening itself to the people. This is practically watched at many occasions.

though few constraints, the a t m facility is very good to the people from electronic technology.

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health

  Adulterations food products like edible iol, milk, rice, wheat etc should be avoided. Even paying the increased price and reduced quantity in connection to that can be bearable.  in particular many child were feed milk .in that milk doing adulteration is to be punished severely. Children are our future generation, spoiling their health in any manner is to be eradicated in the world. Also to note the palm oil is a dangerous one and will cause heart attack to many people and it is an advice through a Notice Board you can witness in all Leading Hospitals. Government must find the substitute for this edible oil and do supply to people. The danger due to palm oil is well established in many institutional research says, resulting heart attack.

Government must care and have concern about people health.

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Deepawali wishes

wishing you all a Happy Diwali festival.

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Do not wear Helmet? How to get cash from a t m?

 How to get cash from a t m?
as a card holder, you can with draw cash from over 1 million visa/master cards a t  m’s ,including about 18000 a t ms in India .
Now you do not need to enter a bank any more .the power to access to cash at the press of a key is in your hands 24hour a day. to access cash from visa/master card a t m s ,all you have to do is
1.insert your card in to the machine as directed and wait till the machine prompts you to key in your personal identification number(pin).
2. Wait for a few seconds till the machine processes this pin .it will then ask you to key in the amount of cash you need.
The atm may disburse currency notes of a particular denomination only.
3. Wait for a few seconds till your card comes out and count your cash.
4.please do not wear Helmet while you use atm.

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A T M - electronic Money withdrawal

 How to use your -card?
Using your card is very simple. Once you have made a purchase at any of the merchant establishments that display the VISA/MASTERCARD SIGN. Please present your card as the mode of payment.
The establishment will prepare a charge slip .very much like a normal bill ,which contains the details of the transaction.
Please verify the amount and ensure the other particulars on your charge slip are correct.
Kindly add the amount paid as tips and miscellaneous expenses and ensure that the total amount is filled .check the amount in words.
Please sign on the charge slip at the place indicated in the same way as you have signed on the back of your card. you will be returned a copy of the charge slip ,the actual bill and your card.
before you leave ,please ensure that you have received your card.
the amount you spend on your card will appear in your monthly statement. you can choose to pay in full and not pay any finance charges.alternatively,you can choose to spend your payments as per your requirements.
in case if you use your card in a foreign country ,then immediately after your return to your mother land ,give information to the bank, issued your card to cancel .avail a fresh one to avoid any misuse by anybody. This is must for your safety.

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credit card /debit card

 How to use your -card?
Using your card is very simple. Once you have made a purchase at any of the merchant establishments that display the VISA/MASTERCARD SIGN. Please present your card as the mode of payment.
The establishment will prepare a charge slip .very much like a normal bill ,which contains the details of the transaction.
Please verify the amount and ensure the other particulars on your charge slip are correct.
Kindly add the amount paid as tips and miscellaneous expenses and ensure that the total amount is filled .check the amount in words.
Please sign on the charge slip at the place indicated in the same way as you have signed on the back of your card. you will be returned a copy of the charge slip ,the actual bill and your card.
before you leave ,please ensure that you have received your card.
the amount you spend on your card will appear in your monthly statement. you can choose to pay in full and not pay any finance charges.alternatively,you can choose to spend your payments as per your requirements.
in case if you use your card in a foreign country ,then immediately after your return to your mother land ,give information to the bank, issued your card to cancel .avail a fresh one to avoid any misuse by anybody. This is must for your safety.

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Banking and finance

What is cibil?
The credit information bureau India limited (cibil) is an initiative of the government of India and the reserve bank of India to improve the functionality and stability of the Indian financial system. it contains the credit history of commercial and consumer borrowers.cibil provides this information to his members in the form of credit information reports.
a cibil report is a “snapshot”
of your credit history

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economy

Finance charges (service charges):-

finance charges are payable at the monthly percentage rate on all transactions from the date of transactions from the date of transaction in the event of the card holder choosing not to pay his balance in full, and on all cash advances taken by the card holder, till they are paid back. Card interest rate is dynamic and will be based on the card holder's usage and payment patterns and is subject to periodic review. The rate of finance charges may increase to a maximum of 3.10% per month (37.2% per annum) from the transaction date. Finance charges, if payable, are subject to levy of service taxes and are debited to the card holder's account till the out standing on the card is paid in full.

Finance charges on cash advances are applicable from the date of transaction until the payment is made in full.

Late payment charges will be applicable if minimum amount due is not paid by the payment due date, and are applicable at the rate of 30% of the minimum amount due subject to a minimum of Rs.350 and a maximum of Rs. 600.

Over limit charges are applicable at the rate of 2.5% interest on over limit amount or Rs. 500 whichever is higher.

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economy

Here is a message letting you know  Bicycle. You must know two important things which helps us in maintaining our health even you have diabetes which can be brought under control by these two matters.

Number one  is walking. you must walk for minimum 30 minutes.

Number two is cycling. cycling will give a good result in maintaining your good health. Cycling will have very good result   in reducing and keeping the diabetes level to Normal.

In many countries Bicycle is used   by people from  all segments(rich,poor) .

School children,Post man,Post women,workers,employees were normally using cycle.In countries like Japan,china,Russia etc you can find people like business owners,factory owners,Industrialists,Rich people were also using Bicycle. These countries claims a major share in car export sales but gives priority to Bicycle usage. what a great idea contibutes a good share in caring countries economy.

Also to note using automobiles become difficult because petrol/diesel price is increasing drastically.

so Please follow this. wishing you all to have a good health at all  times. Before you start this cycling and walking please collect your doctor Advise .

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American Express

Here is a message letting you know Credit card. Credit card is issued by all banks. The strength of a credit card is- it is issued on Faith. You are allowed to use a sum of money declared as level of credit on your credit card. You can handle this money in a very safe manner. The money is secured in a credit card. As soon you receive your credit card you must sign at the back of it below the magnetic strip. keeping a credit card with out your signature at the back of it than it is on risk. In case stolen or missed others have a chance to operate it.

When you buy any thing you are with the person till swiping it and collect it back. You must ensure your payments on the due date. By this you are gaining the goodwill of the bank which has issued the credit card to you. Late payment will cause penalty.

You are allowed do business with others money with out any security in the form of a credit card at your packet. There is no person this world to lend you their money with out interest for 45 to 55 days from the statement date. if you plan to buy things using your credit card from the next date to the due date you can avail a maximum credit period of 55 to 60 days.

You may have money at your purse. But do not spend it use the credit card and pay the money to the card before 3 days to the due date if it is a cheque payment. This is a great facility of a credit card. Misusing credit card will create problems to you. Planning is required while using a credit card.

You are paying only the money spent from the credit card. No extra charges are levied. Also to note Most of the banks issues credit card as a Life time free credit card. No annual fees or no hidden fees. For example citi bank, SBI, ABN AMRO, HSBC, SCB, etc were issuing Lifetime free credit card. Apply immediately to use in a better manner. You can log on to any bank site to apply for a credit card in online including American Express bank credit card.

Be happy and enjoy this good future from a Bank. Be honest to your bank you will gain highest goodwill.

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finsnce

Credit limit and cash limit are assigned to card holders based on internal credit criteria or credit.(ADDON card holders share the same limits as that of the primary account holder.)These limits are communicated to the card holder in every statement. The available credit limit at the time of the statement generation is provided as a part of the statement. The bank will review the card holder
account periodically, and increase or decrease the card holder credit limit based on internal criteria. Card holders can make a request, seeking for   credit limit increase. Can do so, by writing to the bank and providing financial documents declaring their latest income. Bank sole discretion and based on such new documents provided, may increase the credit limit of the card holder.

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Get paid: Steel Sinks to Kitchen ,Bath room

Get paid: Steel Sinks to Kitchen ,Bath room: I know that as usual you will take this message in full stream to engage yourself to get benefited. As it is known that Sink is always re...

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