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Millions of people use credit cards all around the world. A huge chunk of those users made mistakes when dealing with their credit cards. The consequence of the errors is costly.A lot end up in debt and most of the time these are the people who rant about the credit card being the devil. But fact of the matter is, this is not the case. When used properly, credit cards are very good financial tools.

If you’ve traveled internationally, your credit card company likely owes you money! And the deadline for filing your paperwork is just around the corner: May 30th! Here’s our fun hack for getting the most out of your refund without tedious paperwork.

For years, the credit card companies have been double dipping — they charged a 1-3% transaction fee on foreign transactions and inflated their base exchange rates before applying these fees. A recent class action settlement means we can all get a little bit back.

To quality, you need to have used your credit card in a foreign country between February 1, 1996 and November 8, 2006. To submit your refund, just go to ccfsettlement.com, where you’ll find three options for claimants:

1. an easy $25 refund
2. a refund based on your estimate of the total number of days you spent outside the country
3. a refund based on detailed information about your annual travel expenses

Sources : Delicious Baby

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In her new book, Business Nightmares, former Dragons’ Den star Rachel Elnaugh talks to some of Britain’s leading entrepreneurs about their setbacks – and discusses the collapse of her own Red Letter Days. In this extract, she looks at how to overcome disaster

After Emma Harrison left university, her father invited her into his small Sheffield training business to give her work experience. Only 18 days later he told her she’d got the hang of it, and promptly disappeared to Germany leaving her in charge. Read more

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TAMPA — Two well-known Tampa Bay entrepreneurs have spearheaded the formation of a local chapter of the Entrepreneurs’ Organization, a group designed to allow members to draw on the collective resources and expertise of kindred spirits in the business world.

Along with other players in the local business community, Kevin Harrington, CEO of Reliant International Media LLC, and Greg Stemm, co-founder of Odyssey Marine Exploration Inc. (Nasdaq: OMEX), have started to actively recruit for the organization and say they plan to have the chapter up and running by the summer.

Roughly 75 people attended an invitation-only party to promote the launch of the chapter at Harrington’s spacious waterfront estate in St. Petersburg on April 10. Local celebrity boxer Ronald “Winky” Wright, who owns independent record label Pound 4 Pound Records Inc. and is involved with other Bay area entrepreneurial ventures, put in an appearance along with some other heavyweights in the local business community.

Since the launch, there have been preliminary talks about appointing a president and board of directors for the chapter. Once 20 people join the organization, it would have the critical mass needed to get off the ground, Harrington said.

Sources: David Guidi

PARIS (KUNA): The French Senate, or upper house of parliament, announced here Thursday that it is organizing two round table discussions May 14 to examine the role France can play in attracting Islamic funds and the opportunities opening up to work with Islamic funds on international finance markets. The sessions will be presided over by the Senates Finance Commission president Jean Arthuis and will include participants from a variety of financial and investment bodies. The first round table will examine “the integration of Islamic finance in the global financial system” and seek to determine the challenges for France in this area, the Senate said in a statement. According to the statement, Islamic funds are now valued at around 700 billion dollars and have a “recognized growth potential” but these funds remain centred in the Middle East and Southeast Asia, where they continue to grow. Read more

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THE corporate regulator is preparing a crackdown on the $400billion-plus property finance sector in an attempt to curb a spate of collapses in the high-risk market dominated by mum and dad investors.

The move follows the release yesterday by the Australian Securities and Investments Commission of a report into its investigation of 94 unlisted companies operating in the $8 billion property “debenture” finance industry. Read more

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The euro retreated from a record high versus the dollar on Wednesday after a fall in manufacturing activity suggested that euro zone is starting to feel the pinch of a global slowdown and a strong currency.

Investors also sold the euro after a European Central Bank official toned down his hawkish comments, cooling speculation that the ECB’s next move on interest rates may be a rise, rather than a cut.

The RBC/NTC Eurozone Purchasing Managers Index for manufacturing dropped to 50.8 in April, its lowest in nearly three years. German manufacturing activity also fell, although both German and euro zone readings for the service economy rose. [ID:nL23902285]

“Manufacturing has dropped quite a bit and that has been the driver of growth in Germany … the euro is off a touch on it,” said David Pais, currency strategist at Citigroup. Read more

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The micro, small and medium enterprises (MSME) sector in the country will be increasingly looking at non-traditional sources for financing needs, a business outlook survey conducted by Confederation of Indian Industry (CII) revealed Read more

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Bajaj Allianz Life Insurance is the second largest private life insurer in India. At the helm of Bajaj Allianz is Kamesh Goyal, regional CEO for Allianz Middle-East, North Africa and South Asia Region and CEO Bajaj Allianz Life Insurance. In an interface with ET, Mr Goyal speaks of his strategy for this high growth market. Read more

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If you’re looking for a credit card company that offers a wide variety of services and premier cards, get your answers on online credit applications. If you have bad credit, then you are probably wondering what kind of credit card you can and should get. Credit cards are some of the most popular, as to fit every personality.

Among credit cards there have ones for travelers which offer travel rewards and auto and gas rebates as well as cards for shoppers which reward the shopper with discounts at their favorite stores. The wide variety of Chase rewards cards let’s you decide how you’ll be rewarded including cash back, points and even cards that support specific charitable organizations.

In addition to the credit cards with rewards, some company offers cards for more specific needs. Students can appreciate the credit cards specifically designed for them with special student benefits and the option of having your school’s name on your card. Some company also offers credit cards specifically for school alumni, with school designs and colors as well as a way to benefit your former school with the use of your card.

Credit cards can be great for keeping your business in order; fleet credit cards are a tool you should use. Whether you want a card for your business or a card with great personal rewards, considering filling out an application for credit card. You can apply online, or by mail. When you apply for a credit card you’re getting a card that fits your needs perfectly. Get your credit card Now!!

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Steep dividend cuts and losses in their company’s home- and consumer-lending divisions didn’t seem to faze CIT Group’s investors, who were happy to bid up the stock on hopes for a future focused on the firm’s commercial finance business. Read more