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<keyword id="6357120" type="General" weightage="20" keywordseo="paytm" source="Orion">Paytm</keyword> is a pioneer of QR-based and mobile payments and the <keyword id="1736801" type="General" weightage="20" keywordseo="paytm-app" source="Orion">Paytm app</keyword> has become a one-stop-shop for all kinds of <a href="https://paytm.com/credit-card-bill-payment?utm_source=BusinessInsider&amp;utm_medium=article&amp;utm_campaign=Credit-Card-Bills-payment">payments</a> online over the years. The platform allows users to shop online, make payments using UPI, book tickets, recharge mobile phones and much more. The platform that began India’s fintech revolution is more than just a general payments app today, and one of its most useful functions is in managing and paying <keyword id="133020" type="General" weightage="20" keywordseo="credit-card-bills" source="Orion">credit card bills</keyword>. Paying credit card bills on Paytm is simple, easy and functional. It can remind you when it’s time to pay, and can be used to pay multiple bills at the same time. Here are some reasons you should use the Paytm application to pay <a href="https://paytm.com/credit-card-bill-payment?utm_source=BusinessInsider&amp;utm_medium=article&amp;utm_campaign=Credit-Card-Bills-payment">credit card bills</a>. <ul><li>The Paytm app makes credit card payments easy by allowing users to add multiple cards to the app and remember them.</li><li>By adding multiple cards, the app also allows users to pay for all the credit cards at the same time. The Paytm app allows you to pay your credit card bill for all banks across Visa, Mastercard, Rupay, American Express, and Diner card portfolios.</li><li>The app also provides rewards, cashback, and flexible payment methods for users to pay credit card bills.</li><li>While bank applications usually use NEFT or IMPS methods for bill payment, the Paytm app throws UPI into the mix.</li><li>The Paytm app also allows the user to set reminders for bill payments, so they don’t miss the due date.</li></ul>How to make payments using Paytm app If you don’t have a <a href="https://paytm.com/credit-card-bill-payment?utm_source=BusinessInsider&amp;utm_medium=article&amp;utm_campaign=Credit-Card-Bills-payment">Paytm </a>account, you need to download the app on your iOS or Android smartphone and create one. Once that is done, you can go to the ‘recharge &amp; bill payment’ section on the Paytm app and select the ‘<keyword id="1069333" type="General" weightage="20" keywordseo="credit-card-payment" source="Orion">credit card payment</keyword>’ option. The app will ask you to enter the credit card number when you make a payment the first time, but it can remember the card after that. With the Reserve Bank of India’s (RBI) new guidelines in place, the cards will be saved with Visa, Mastercard, or another card issuer, and Paytm won’t actually store the details on its own servers. Once the card number is entered, the user will need to click ‘proceed’, to allow the app to automatically detect the bill amount by contacting your bank. The next step is simply to select one of the payment modes — UPI, net banking, debit card, etc — and make the payment. A decade ago, people had to go to an ATM and drop a cheque to pay their credit card bills, but the Internet made that simpler. And now, apps like Paytm are making this process easier by bringing different cards and different payment methods to the same medium. Add features like late fee protection and reminders on top, and you have perhaps the best way to make credit card payments. Disclaimer: This article is generated and published by the Insider Studios team. You can get in touch with them on insiderstudios@businessinsider.in

Paytm makes it easier to pay credit card bills – here are five reasons why you should be using it

From <keyword id="6357762" type="UNKNOWN" weightage="20" keywordseo="Online-shopping">online shopping</keyword> to paying restaurant bills to booking tickets, <keyword id="6387037" type="UNKNOWN" weightage="20" keywordseo="credit-cards">credit cards</keyword> have invaded all parts of our lives. While credit cards have made our wallets lighter by replacing cash, rising frauds related to them raises concern too. But what if the same gets stolen or somebody steals the information about it and misuse it? 
 
Fret not! Here are seven easy ways to keep your credit card safe and secure to have a peace of mind. 
 
Keep unused cards in a safe 
These days, having a number of credit cards is not uncommon. But it’s best to leave those credit cards at home which you rarely use or have assigned for specific things like travel. This strategy would prove to be extremely advantageous in case you lose your wallet; you’d only have to get minimum number of cards replaced. 
 
Choose secured websites for credit cards Let’s admit we live in an age of ubiquitous online <keyword id="6368952" type="ORGANIZATION" weightage="20" keywordseo="shopping">shopping</keyword>. We shop everything, right from grocery to gadgets to home furnishing, online using our ‘dear credit cards’. While credit cards offer convenience, it’s crucial for you to ensure that you use them only on a secured website. 
 
The address of the website uses ‘https’ rather than ‘http’ only. Also, the website should display the secured lock either at the bottom right corner or on the top in some browsers. Use a website that has solid encryption software. In order to avoid getting duped, never ever make use of public computers to shop online. 
 
Sign your card 
Another thing to pay attention is to sign at the back of your credit card as soon as you receive it. This will prevent somebody else from making use of your credit card in case it gets stolen. 
 
Check your credit card statements 
Another way to keep your credit cards safe is to keep a check on your credit card statements regularly. Any unfamiliar purchase and debits of small amounts could be a sign of a fraudulent activity. Besides, make sure your credit card bill arrives on time. A late arrival could be an indication of identity theft and should be immediately reported to the credit card issuer. 
 
Be careful at an ATM 
You need to be cautious at an ATM counter. Make sure there is no device attached to ATM slot as it could be a skimmer to capture your credit card information when you swipe it. If you notice the same, immediately alert the bank. 
 
Keep an eye at the time of transaction 
If a cashier takes too long for the transaction, there are high chances that your card might be getting scanned through skimming terminals to gather the information. Pay attention to the person who is using your card and take it back as soon as possible. 
 
 
Buy identity theft insurance and card protection plans 
Identity theft has become quite common these days. It means stealing somebody’s identity to obtain credit in his or her name. Some insurers like Tata AIG have come up with an identity theft and fraudulent charges insurance. It provides you coverage against any fraudulent charges made on your credit card by stealing your identity. You can also go for card protection plans offered by the likes of ICICI bank, HDFC bank, and Axis bank. If you register with them, you would be able to block all your lost cards with a single call. You would also get lost card replacement assistance. There are different membership plans to choose from, starting from Rs 1,399 to Rs 2,185. 
 
Follow these simple tips and you would be able to safeguard yourself against credit card frauds. 
 
Rajiv Raj is the director and co-founder of<a href="http://www.creditvidya.com/">www.creditvidya.com</a>. 
 
Image: Getty Images

7 Simple Steps To Prevent Credit Card Frauds & Misuse

<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN" "http://www.w3.org/TR/REC-html40/loose.dtd"><html><body><div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"></div></div></div>If you have great credit, you probably pay your credit-card bill in full every month, which means the interest rate isn't a deciding factor when you're selecting a new card.But even money-smart consumers need to make huge purchases from time to time. If you need extra time to pay off something expensive - a new computer or a couch or a car - and don't want to accrue interest, an interest-free credit card may be your smartest option.With so many card offers available and different fees to consider, it can be difficult to decide which card is right for you. <a href="http://www.comparecards.com/?k=BI008&amp;utm_source=business%20insider&amp;utm_medium=paid%20post&amp;utm_campaign=Business%20Insider_4202015_0APR" target="_blank">CompareCards.com</a>, a leading provider of credit-card information and resources to help consumers choose wisely, has put together tips on how to choose the best 0% APR credit cards, along with three strong credit-card options to consider.<h3 dir="ltr">What to look for in 0% APR credit cards</h3>The biggest determining factor when choosing a 0% APR credit card is the length of the introductory period. The longer you can go without paying a dime in interest payments, the better.Here are some other key features to look for when choosing your next interest-free credit card:No annual fee: Consumers should never pay for an interest-free card unless the benefits far outweigh the annual fee. What's the point of saving money on interest-free payments if you have to fork over a fee each year?High credit line: Having access to a high credit limit will allow you to make those large purchases and can also help with your <a href="http://blog.comparecards.com/infographics/credit-utilization/?k=BI002&amp;utm_source=business%20insider&amp;utm_medium=paid%20post&amp;utm_campaign=Business%20Insider_4202015_0APR" target="_blank">credit utilization ratio</a>. Although consumers can't choose their credit limit, managing your credit responsibly can help you become a low-risk consumer and make lenders more comfortable with giving you a higher limit.Additional benefits and features: Credit cards for those with excellent credit will come with benefits such as travel insurance, roadside assistance, and extended warranties.<h3>Which low-interest credit card should you choose?</h3>1. <a href="http://www.comparecards.com/credit-card/citi-simplicity-card?k=BI003&amp;utm_source=business%20insider&amp;utm_medium=paid%20post&amp;utm_campaign=Business%20Insider_4202015_0APR" target="_blank">Citi Simplicity Card</a> <div class="KonaFilter image-container display-table float_right"><div><div class="image"><a href="http://www.comparecards.com/credit-card/citi-simplicity-card?k=BI003&amp;utm_source=business%20insider&amp;utm_medium=paid%20post&amp;utm_campaign=Business%20Insider_4202015_0APR" target="_blank"></div></div></div></a>Why you should get it: Not only do cardholders pay no interest for the first 15 months of their card membership, but they also earn rewards with every purchase.What to know:<ul><li>0% APR for 15 months on purchases and balance transfers.</li><li>A balance transfer fee of $5 or 3%, whichever is greater.</li><li>Earn cash back twice; 1% cash back when you buy, and 1% cash back when you pay for those purchases.</li><li>No annual fee.</li></ul>3. <a href="http://www.comparecards.com/credit-card/slate-from-chase?k=BI006&amp;utm_source=business%20insider&amp;utm_medium=paid%20post&amp;utm_campaign=Business%20Insider_4202015_0APR" target="_blank">Chase Slate</a><a href="http://www.comparecards.com/credit-card/slate-from-chase?k=BI006&amp;utm_source=business%20insider&amp;utm_medium=paid%20post&amp;utm_campaign=Business%20Insider_4202015_0APR" target="_blank"> <div class="KonaFilter image-container display-table float_right"><div><div class="image"></div></div></div></a>Why you should get it: Chase Slate has long been known as the best balance-transfer credit card. It is the only credit card on the market to waive the balance transfer fee for the first 60 days of card ownership, making balance transfers completely free.What to know:<ul><li>0% APR for 15 months on purchases and balance transfers.</li><li>$0 introductory balance transfer fee for transfers made during the first 60 days.</li><li>No annual fee.</li><li>Free monthly FICO score and Credit Dashboard.</li></ul><h3 dir="ltr">Minimizing interest charges</h3>Once your introductory period of interest-free payments has ended, it's important to <a href="http://blog.comparecards.com/infographics/credit-card-interest-infographic/?k=BI007&amp;utm_source=business%20insider&amp;utm_medium=paid%20post&amp;utm_campaign=Business%20Insider_4202015_0APR" target="_blank">understand credit-card interest </a>charges so that you can continue saving money. The key is to reduce the average daily balance as much as possible. There's also no need to wait until the statement due date to make a payment. Cardholders should make payments as often as possible.<a href="http://www.comparecards.com/saved-credit-cards?k=BI001&amp;place=170-710-27-426&amp;utm_source=business%20insider&amp;utm_medium=paid%20post&amp;utm_campaign=Business%20Insider_4202015_0APR" target="_blank">Learn more about zero-interest credit cards</a>.This post is sponsored by <a href="http://www.comparecards.com/?k=BI008&amp;utm_source=business%20insider&amp;utm_medium=paid%20post&amp;utm_campaign=Business%20Insider_4202015_0APR" target="_blank">CompareCards.com</a>.Find out <a href="http://www.businessinsider.com/sponsor-posts" target="_blank">more about Sponsored Content</a>.</body></html>Follow BI Studios on <a href="https://twitter.com/bi_studios_" target="_blank">Twitter</a> and <a href="https://www.facebook.com/BusinessInsiderStudios" target="_blank">Facebook</a>.

The best credit cards for interest free payments

<div class="KonaFilter image-container float_right click-to-enlarge" style="width:400px"><div class="image"><a title_source="BII" title_caption="" class="zoomin" href="http://static1.businessinsider.com/image/52cafc5e6bb3f7f76abfebcd-960/payments%20value%20chain%20graphic-2.png"></a>BII</div></div>Credit cards have become such a familiar tool, we hardly think about how they work. But that is changing fast, as new entrants in the digital payments space reimagine the software and hardware that powers payments, and the services they can offer merchants and consumers.
As we brace for the changes, it's useful to examine how the entire chain of interactions in each credit card transaction works and identify which players in this scheme are likely to see the biggest disruption from new payments startups. 
In a <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">new report</a> from <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">BI Intelligence</a>, we outline the six essential links in the credit credit payment chain, explain what each of these players do, and how much value they add, and <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">explain why two parts of this chain - the hardware providers and merchant service providers (MSPs) - are particularly vulnerable to disruption.</a><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');"></a>
<a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Access The Full Report And Data By Signing Up For A Free Trial Today &gt;&gt;</a> 
Here are some of our key findings:
<ul>
<li>The volume of credit and debit card payments is enormous, adding up to a <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">$4 trillion in transaction volume in the U.S. alone in 2013.</a> It's no wonder so many companies are competing in this space.</li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">The credit card companies themselves aren't going anywhere for now.</a> Visa and MasterCard in particular will remain an indispensable part of the chain because they don't actually process payments. They simply provide the rails that the credit card system rums on. Credit card processors like First Data that actually do the work of processing merchants' credit card transactions on the back-end are also in a strong position.</li>
<li>Two pieces in the chain are particularly vulnerable to disruption: <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">the makers of the actual hardware - basically card readers and registers - that are used to physically accept card payments at stores, and the hundreds of vendors known as merchant service providers, or MSPs, which set businesses up to accept credit cards.</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Point-of-sale hardware faces an immediate threat from mobile devices.</a> These devices are cheap and easy to implement, they do not require consumers to adopt new behaviors, and they free up retailer space previously devoted to bulky hardware.</li>
<li>In addition,<a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');"> the new payments companies - including PayPal, Leaf, Revel Systems, Square, and others - could shove traditional MSPs aside as they bridge the offline and online worlds.</a> They pair their mobile registers with consumer-side smartphone apps, and often also provide additional merchant services, like software for loyalty programs or for parsing online consumer data. <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">These new companies want to replace the old players that focused mainly on logistics, i.e., helping merchants take credit card payments.</a></li>
<li>But it's not all doom and gloom yet for legacy MSPs: they have existing relationships with the majority of merchants who accept credit cards and with banks. They also have established marketing channels and large sales forces. <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Large MSPs will move to acquire new payments technologies to squelch the disruption threat.</a></li>
</ul>
In full, the report: 
<ul>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Sizes the U.S. credit and debit card industry, taking stock of offline vs. online volume and growth</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Gives a detailed breakdown of the entire credit card transaction process</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Defines what role each of the players occupies within that chain</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Underscores which players in the credit card transaction process are most ripe for disruption from new payments companies, and which ones remain in the strongest positions</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Explains what services these new payments companies will most likely offer to merchants and consumers</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=PCREDITC&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Examines how legacy players are responding to the threats from these new payments entrants</a></li>
</ul>
<div class="KonaFilter image-container click-to-enlarge"><div class="image"><a title_source="BII" title_caption="" class="zoomin" href="http://static2.businessinsider.com/image/52cb35dbeab8ea420e17e569-960/u.s.%20credit%20and%20debit.png"></a>BII</div></div>

The Battle For The Credit Card Payments Market - Mobile Is Only Part Of The Story

<div class="KonaFilter image-container float_right click-to-enlarge" style="width:400px"><div class="image"><a title_source="BII" title_caption="" class="zoomin" href="http://static1.businessinsider.com/image/52cafc5e6bb3f7f76abfebcd-960/payments%20value%20chain%20graphic-2.png"></a>BII</div></div>The credit card industry is much bigger than just the credit card companies and the banks. There's an entire ecosystem of payment processors, service providers, and would-be disruptors from Silicon Valley fighting over the space. 
In a <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">recent report</a> from <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">BI Intelligence</a>, we look at who's jockeying for the fee bonanza generated by the the huge volume of credit card payments - total volume is about $4 trillion this year in the U.S. alone, according to our estimates. But not every entity is well-positioned to grow its slice of this market, or defend itself from competition. 
<a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Access The Full Report And Data By Signing Up For A Free Trial Today &gt;&gt;</a> 
Here are some of our key findings:
<ul>
<li>The credit card companies: <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">They aren't going anywhere for now</a>. Visa and MasterCard will remain an indispensable part of the chain because they don't actually process payments. They simply provide the rails that the credit card system runs on.</li>
<li>Credit card processors: These are behind-the-scenes giants like First Data and FIS that actually do the nitty-gritty technical work of processing merchants' credit card transactions on the back-end. Many are globally diversified, and they are also in a strong position.</li>
<li>But other middle-men, known as Merchant Service Providers, are very vulnerable to disruption: <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">There are literally hundreds or thousands of vendors known as merchant service providers, or MSPs. They help set businesses and retailers up to accept credit cards</a> They are a weak link because new startups are selling easy-to-use payments hardware and software that is replacing and disintermediating them. </li>
<li>Hardware providers, the companies that sell actual payment terminals, are also vulnerable. <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">These are the makers of the actual payment terminal hardware - basically card readers and registers - that are used to physically accept card payments at stores</a>. Their <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">point-of-sale hardware faces an immediate threat from mobile devices.</a> Mobile registers are cheap and easy to implement, they do not require consumers to adopt new behaviors, and they free up retailer space previously devoted to bulky hardware.</li>
<li>But it's not all doom and gloom yet for legacy MSPs, many of whom also sell hardware: They have existing relationships with the majority of merchants who accept credit cards and with banks. They also have established marketing channels and large sales forces. <a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Plus, large MSPs are quickly moving to acquire new payments technologies to squelch the disruption threat</a>.</li>
<li>The banks, like the main credit card companies, are in a fairly strong position. They shoulder the financial risk and make sure that merchants and consumers are creditworthy, still an essential role. </li>
</ul>
In full, the report: 
<ul>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Explains how nimble mobile and cloud-based payments companies are challenging the legacy players </a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Sizes the U.S. credit and debit card industry, taking stock of offline vs. online volume and growth</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Gives a detailed breakdown of the entire credit card transaction process</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Defines what role each of the players occupies within that chain</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Underscores which players in the credit card transaction process are most ripe for disruption from new payments companies, and which ones remain in the strongest positions</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Explains what services these new payments companies will most likely offer to merchants and consumers</a></li>
<li><a href="https://intelligence.businessinsider.com/how-tech-and-mobile-centric-players-are-transforming-the-credit-card-processing-industry-2014-1?utm_source=House&amp;utm_medium=Edit&amp;utm_term=P-CREDITC-3&amp;utm_content=link&amp;utm_campaign=BIIMobile" onclick="this.href = this.href + '-' + window.location.search.substr(1).replace(/\&amp;|\=/g, '-');">Examines how legacy players are responding to the threats from these new payments entrants</a></li>
</ul>
<div class="KonaFilter image-container click-to-enlarge"><div class="image"><a title_source="BII" title_caption="" class="zoomin" href="http://static4.businessinsider.com/image/52cafbc76bb3f79b68bfebcd-960/payment%20card%20transaction%20breakdown.png"></a>BII</div></div>

These Are The Main Players In The Credit Card Payments Industry - And Who's Most Vulnerable To Disruption

Credit card payments for foreign travel will be brought under the purview of the Liberalised Remittance Scheme (<keyword id="447038" type="General" weightage="100" keywordseo="lrs" source="Orion">LRS</keyword>) of the Reserve Bank, to ensure that such expenses do not escape <keyword id="6357150" type="General" weightage="80" keywordseo="tcs" source="Orion">TCS</keyword> (Tax Collection at Source). While moving the <keyword id="25455" type="General" weightage="50" keywordseo="finance" source="Orion">Finance</keyword> Bill 2023 for consideration and passage in the Lok Sabha on Friday, Finance Minister Nirmala Sitharaman said the Reserve Bank has been asked to look into ways to bring credit card payments on foreign tours under the LRS. "It has been represented that payments for foreign tours through a credit card are not being captured under the Liberalised Remittance Scheme (LRS) and such payments escape tax collection at source (TCS)," she said. The <keyword id="30067" type="General" weightage="50" keywordseo="rbi" source="Orion">RBI</keyword> is being requested to look into this with a view to bringing credit card payments for foreign tours within the ambit of LRS and tax collection at source thereon, she added. The Union Budget 2023 proposed a TCS for foreign outward remittance under LRS other than for Education and medical purposes of 20 per cent applicable from July 1, 2023. Before this proposal, the TCS of 5 per cent was applicable on foreign outward remittances above Rs 7 lakh. <keyword id="735754" type="General" weightage="50" keywordseo="tax-collected-at-source" source="Orion">Tax Collected at Source</keyword> (TCS) is an income tax, collected by the seller of specified goods, from the buyer. TCS is a concept where a person selling specific items is liable to collect tax from a buyer at a prescribed rate and deposit the same with the government. The LRS, introduced in 2004, initially permitted an outflow of USD 25,000. The LRS limit has been revised in stages consistent with prevailing macro and micro economic conditions. LRS permits Indians to freely remit up to USD 250,000 (about Rs 2.05 crore) per financial year for current or capital account transactions or a combination of both. Any remittance exceeding this limit requires prior permission from the RBI. The rules clearly mention that one can remit foreign exchange (forex) only for any permissible current account transactions or capital account transactions or a combination of both. If one wishes to invest abroad in shares, property etc, the LRS rules will define them as capital account transactions. Only certain capital account transactions are allowed under LRS rules such as opening a bank account abroad i.e. a Foreign Currency Account, purchasing real estate property overseas, for making investments overseas which includes investing in shares, mutual funds, and debt instruments amongst others. Authorised dealers, such as banks, enable such transactions between residents and their overseas dependents, using only PAN cards for verification. Besides remittances, LRS can also offer foreign exchange services to Indian citizens for medical expenses or travelling. However, corporates, partnership firms, HUFs, and charitable trusts are not eligible to use the LRS. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/debt-schemes-of-mfs-lose-edge-over-bank-deposits-as-budget-proposes-to-scrap-ltcg-indexation-benefits/articleshow/98965932.cms">Debt schemes of MFs lose edge over bank deposits as Budget proposes to scrap LTCG &amp; indexation benefits</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/tech/news/canva-just-got-a-major-ai-upgrade-with-new-features-like-magic-eraser-text-to-image-and-moreheres-what-they-do/articleshow/98965377.cms">Canva just got a major AI upgrade with new features like Magic Eraser, Text to Image, and more–here’s what they do</a>

Credit card payments on foreign tours to be brought under LRS to ensure compliance with TCS

<ul class="summary-list"><li>Gen Z is missing their credit-card payments at a rising rate.</li><li>Their finances could get even worse when student-debt payments resume later this year. </li></ul><a href="https://www.businessinsider.com/recession-outlook-gen-z-finances-debt-sidehustles-jobs-rent-2022-12">Gen Z is still racking up credit-card debt</a>, and they're starting to have trouble paying it back.That's according to a new <a href="https://www.newyorkfed.org/newsevents/news/research/2023/20230515" target="_blank" rel="noopener">New York Fed report</a>, which found that among US 18 to 29-year-olds, 8.31% of credit-card debt <a href="https://www.businessinsider.com/recession-could-hurt-gen-z-finances-getting-worse-debt-inflation-2022-11">transitioned to serious delinquency</a> — which means 90 days or more past due — between January and March of this year, up from 5.12% over the prior year period. The increase marked the highest level since the <a href="https://www.businessinsider.com/gen-z-rack-up-credit-card-debt-faster-millennials-genx-2023-3">delinquency transition rate</a> was between 8% and 10% for four consecutive quarters between 2019 and 2020. Prior to that, the rate hadn't been this high since 2010. <a href="https://www.businessinsider.com/why-prices-inflation-soaring-corporate-greed-profits-margins-wages-jobs-2023-4">Inflation</a> and near record high <a href="https://www.businessinsider.com/interest-rates-credit-card-record-high-recession-debt-delinquencies-2023-1">credit card interest rates</a> are two big factors weighing on consumers, according to Bankrate's senior industry analyst Ted Rossman.If young Americans are struggling to pay down their credit-card debt now, things could get even tougher when <a href="https://www.businessinsider.com/what-is-fresh-start-plan-student-loan-debt-forgiveness-working-2023-5">student-debt payments resume later this year</a> after an over-three-year pause. As of June 2022, 36% of Gen Zers had <a href="https://www.stlouisfed.org/on-the-economy/2022/aug/how-does-gen-z-student-debt-compare-millennials?utm_source=Federal+Reserve+Bank+of+St.+Louis+Publications&amp;utm_campaign=dab816522e-BlogAlert&amp;utm_medium=email&amp;utm_term=0_c572dedae2-dab816522e-57452925" target="_blank" rel="noopener">student debt</a>, holding an average balance of $20,900, according to the St. Louis Fed. Due in large part to this pause, only 0.94% of <a href="https://www.businessinsider.com/what-is-fresh-start-plan-student-loan-debt-forgiveness-working-2023-5">student-debt balances</a> were 90 days or more past due as of the end of March, according to the NY Fed, down from 1.05% a year prior and the over 10% before the <a href="https://www.businessinsider.com/cancel-student-loan-debt-payments-paused-two-years-economy-2022-1">pause began in 2020</a>. Currently, those payments are set to resume 60 days after June 30 or 60 days after the Supreme Court issues a final decision on the legality of Biden's broad plan to cancel up to $20,000 in student debt for federal borrowers, whichever happens first. "The emergency period is over, and we're preparing our borrowers to restart," Education Secretary Miguel Cardona <a href="https://www.businessinsider.com/student-loan-payments-resume-this-year-emergency-period-over-cardona-2023-5">said last week</a>.It's not just young borrowers struggling to pay off their credit-card debts, however. Among all age groups, 4.57% of credit-card debt transitioned to serious delinquency, up from 3.04% the year prior. Total US credit-card balances were largely flat compared to year end at $986 billion, a sign that Americans are struggling to get a handle on their debts, according to Bankrate's Rossman. "Normally, credit-card balances fall from Q4 to Q1 as the dust settles on the holiday shopping season and consumers prioritize debt payoff as a New Year's resolution," Rossman said in a statement provided to Insider. "In fact, this is the only time since the New York Fed started tracking these figures in 2003 that credit-card balances did not fall from Q4 to Q1."

Gen Z is way behind on credit-card payments. It could get even worse when student-debt payments restart.

<div class="KonaFilter image-container display-table"><div><div class="image"></div></div></div><ul class="summary-list"><li>According to a <a href="https://www.nerdwallet.com/blog/credit-card-data/consumer-credit-card-trends-study/">report by NerdWallet</a>, more than a quarter of Americans have made a late credit card payment. The report also found that delinquent credit card payments have increased 22% in the last four years.</li><li>Based on NerdWallet's analysis, those late payments amount to more than $3 billion in fees - not including interest charges from carrying a credit card balance.</li><li>Beyond costing you money, late credit card payments can lead to higher interest rates and can lower your <a href="https://www.businessinsider.com/how-to-improve-credit-score">credit score</a>.</li><li>There are several ways to avoid <a href="https://www.businessinsider.com/credit-card-late-payments-and-interest-rates-rise-2018-5">credit card late fees</a>, from enrolling in auto payments to choosing a credit card with no late fees to using a service like Mint to keep track of payment dates.</li><li><a href="https://www.businessinsider.com/?hprecirc-bullet">Visit Business Insider's homepage for more stories.</a></li></ul>A <a href="https://www.nerdwallet.com/blog/credit-card-data/consumer-credit-card-trends-study/">recent report</a> by NerdWallet found that 26% of Americans have made a late credit card payment (30 days late or more) in 2019. By NerdWallet's calculations, that amounts to more than $3 billion in late fees alone. The report also found that delinquent credit card payments increased 22% from 2015 to 2019.Even with the best of intentions, it's easy to miss a credit card payment date - especially if you have <a href="https://www.businessinsider.com/many-credit-cards-how-i-keep-track-of-them-all-2019-7">several credit cards</a> or are simply busy. You could also be charged a late fee even if you're fully aware of the credit card payment due date but aren't able to make the minimum payment amount.But beyond costing you money in the form of late fees, late credit card payments can have adverse effects on your financial health.<h2>What happens when you make a late credit card payment</h2>When you don't submit a payment by your credit card bill due date, the following things can happen:<ul><li>You'll be charged a late fee. This is a maximum of $25 for your first late payment, and up to $35 if you've had a late payment previously.</li><li>You'll be charged interest on your outstanding balance, and your interest rate may increase. If you pay your credit card bill late, you could see a significant increase in your interest rate, meaning you'll pay even more on your outstanding balance.</li><li>Your credit score could take a hit. Payment history accounts for 35% of your <a href="https://www.businessinsider.com/how-to-improve-credit-score">credit score</a>, so if your late payment is reported you could see this number decrease. </li><li>It could be added to your credit report. A late payment could also end up on your <a href="https://www.businessinsider.com/how-to-get-free-credit-report-check-credit">credit report</a> and stay there for seven years. Your credit score and credit report are important snapshots of your financial health and your creditworthiness to potential lenders, so having any negative marks could come into play if you're looking to open new credit cards, get a mortgage, or more.</li></ul>A late credit card payment is obviously a ding on your financial record, but no matter why you ended up with a delinquent payment in the first place, there are ways to avoid this happening.<h2>How to avoid credit card late fees</h2><h3>Set up auto pay</h3>If you know you have enough funds in your bank account to cover your credit card payments, <a href="https://www.businessinsider.com/how-to-build-credit-with-a-credit-card-steps">setting up auto pay</a> is a surefire way to avoid missing a credit card payment. <h3>Call and ask for a one-time exception if it's your first late payment</h3>If you haven't missed a credit card payment before, the odds are good that the issuer will waive the fee if you call in and ask. I've had luck getting a late fee waived when I forgot to make a credit card payment on an account I rarely used. The sooner you call in, the more likely you are to have luck getting the fee waived - and remember to make the credit card payment immediately, too.<h3>Set payment reminders or use a budget tracker </h3>Most credit card issuers will send you emails to alert you to upcoming payment due dates, but you can take your own steps to ensure you don't miss a credit card payment due date. Set your own payment reminders on your calendar or phone, and consider using a service like <a href="https://www.mint.com/">Mint</a> from Intuit, which tracks your spending and payment dates across cards.<h3>If you need to carry a balance, use a credit card with a 0% APR offer</h3>In an ideal world, you'd never need to carry a credit card balance, but if part of the reason you're getting hit with credit card late fees is that you're not able to make the minimum payment or statement balance payment, a credit card with a 0% introductory APR offer can help you get back on your feet. For example, the Citi Simplicity Card doesn't charge late fees, and it has a 0% intro APR on balance transfers for 21 months plus 0% intro APR on purchases for 12 months. There's also the <a href="https://www.discover.com/credit-cards/cash-back/it-card.html">Discover it® Cash Back</a> card, which has no late fee for your first late payment and a 0% intro APR offer on purchases and balance transfers for the first 14 months. And the soon-to-be-released <a href="https://www.businessinsider.com/apple-credit-card-has-no-late-fees-2019-3">Apple Card will waive late fees</a> altogether.With these credit cards and any other cards you use, just remember that 0% intro APR and no-late-fee offers should be used to help you pay off and consolidate credit card debt. If you still carry a large balance by the time the introductory period ends, you'll be back to incurring high interest rates. <h3><a href="https://www.businessinsider.com/best-balance-transfer-credit-cards">Click here to learn about the best balance transfer credit cards of 2019 »</a></h3>

Credit card late fees are costing Americans more than $3 billion, but it's easy to avoid them

<ul class="summary-list"><li>As of September, US credit-card delinquency rates were at the highest rate in a decade.</li><li>The Federal Reserve Bank of Philadelphia said 3.2% of card balances were at least 30 days past due.</li></ul>Americans are having a harder time paying off their credit cards. A report from the Federal Reserve Bank of Philadelphia found credit-card delinquency rates have surpassed pre-pandemic levels, with the share of balances 30 days past due hovering at the highest mark since late 2012. In the second quarter of 2021, credit card delinquency rates were at historic lows. Those figures have steadily climbed since then, however, and the spending behavior reflects "greater consumer fragility," Philadelphia Fed economists said. Total revolving credit card balances have also increased from pandemic lows, the economists said. "Revolving balances as a share of the overall balance climbed from 65 percent in 2021 to 70 percent in the third quarter of 2023," the report states. "During the same period, the share of accounts making the full payment has moderated, driven by strong consumer spending and dwindling government support. While the share of full payment accounts declined, it remains high compared with pre-pandemic levels."<div type="image" title="Credit card performance deteriorating, 2024" height="758" width="1221" msid="106779240" hostid="261" sizebytes="53334"></div>In response to the deterioration, the economists noted banks are granting fewer credit line increases, and reducing credit lines more frequently. The Philadelphia Fed said roughly 10% of credit-card borrowers owed more than $5,000. "The average American's budget doesn't have a whole lot of wiggle room, so when prices go up to the degree they have in recent years, it's a big deal," said LendingTree's chief credit analyst Matt Schulz. A January 8 report from <a href="https://www.lendingtree.com/debt-consolidation/debt-payments-study/" target="_blank" rel="noopener">LendingTree</a> found that in the largest 100 US metros, 29.6% of Americans were behind on at least one debt payment between July 1 and September 30, 2023. Just over 27% of consumers had payments delinquent by 90 days or more. "Higher interest rates have a real impact on people's ability to pay," Schulz said. "The massive, constant rise in rates over the past two years has shrunk people's financial margin for error even further."

Americans are missing credit card payments at the highest rate in a decade

Shutterstock/Tero Vesalainen<ul class="summary-list"><li>Along with other credit card issuers, Bank of America is offering assistance to customers who are facing financial difficulties due to the coronavirus.</li><li>If you have a Bank of America credit card, you may be able to have your card payment deferred by <a href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=CAP">submitting a request online</a>.</li><li>For personal credit card accounts, you may be eligible if your payment is due on or before May 15, and for business cards, you may be eligible if your payment is due on or before June 15.</li><li>The issuer has not announced any plans to waive interest charges, but it will waive late fees for payments that it approves for deferral.</li><li><a href="https://www.businessinsider.com/personal-finance/credit-card-companies-financial-assistance-coronavirus-2020-3">See Business Insider's roundup of how banks are helping credit card customers.</a></li></ul>Given the <a href="https://www.businessinsider.com/us-weekly-jobless-claims-record-coronavirus-unemployment-insurance-labor-recession-2020-3">staggering number</a> of Americans who have been have been laid off or otherwise financially impacted by the coronavirus, it's no surprise that financial institutions are responding by amplifying their customer assistance programs. If you're a Bank of America customer and you're unable to make your credit card payments, you may be eligible for a payment deferral.According to the company's <a href="https://about.bankofamerica.com/promo/assistance/latest-updates-from-bank-of-america-coronavirus">coronavirus help page</a>, credit card customers can <a href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=CAP">submit a deferral request online</a> to push back their payment due date.You'll need to log into your Bank of America account to submit the request. When I initiated the process to see what information was required, I was notified that personal credit accounts with future payment due dates of May 15 or earlier could be eligible, as could <a href="https://www.businessinsider.com/personal-finance/best-small-business-credit-card">business credit card accounts</a> with future payment due dates of June 15 or earlier. The page also listed the following caveat: Account payments that are 150 days or more past due aren't eligible for a payment deferral.Other issuers, <a href="https://www.businessinsider.com/personal-finance/amex-cardholder-assistance-coronavirus-2020-3">including American Express</a>, appear to be going a few steps further by offering lower interest charges and lower monthly payment amounts to customers. If you're in a financial bind, it could be worth contacting Bank of America to discuss your options in addition to submitting a payment deferral request online. You can call the number on the back of your card, or try initiating a chat online.<ul class="read-more-links"><li>More <a href="https://www.businessinsider.com/category/credit-cards">credit card</a> coverage</li><li><a href="https://www.businessinsider.com/best-airline-credit-card-comparison-delta-united-american">What's the best airline credit card?</a></li><li><a href="https://www.businessinsider.com/best-cash-back-credit-cards">The best cash-back credit cards</a></li><li><a href="https://www.businessinsider.com/southwest-credit-card-comparison-which-to-get">Southwest credit card review</a></li><li><a href="https://www.businessinsider.com/best-rewards-credit-cards">Best rewards credit cards</a></li></ul>Do you have a personal experience with the coronavirus you'd like to share? Or a tip on how your town or community is handling the pandemic? Please email <a href="mailto:covidtips@businessinsider.com">covidtips@businessinsider.com</a> and tell us your story. <h3>NOW WATCH: <a href="https://www.businessinsider.com/what-its-like-to-do-your-own-taxes-for-the-very-first-time-2018-2">Tax Day is now July 15 - this is what it's like to do your own taxes for the very first time</a></h3>

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