The Importance of Automotive Filter Changes

Humans require clean, easy-to-breath air in order to live. And just like humans, vehicles also need to be able to “breathe” clean air in order to survive. While human lungs make it possible to breathe, a vehicle’s air filters do just the same. But after some time, they begin to accumulate mass amounts of dirt, debris, and other airborne particles, which eventually decreases their quality and function. For this reason, it is critical to have your vehicle’s engine and cabin air filters inspected and changed on a routine basis to promote safe and efficient driving. Continue reading to learn more about the importance of routine automotive filter changes.

Air Filters

Keep in mind that your car’s air filters are your first line of defense against irritating and obstructive airborne contaminants. Dirt, dust, pollen, mold spores, exhaust gases, bacteria, and more are examples of airborne contaminants that have the ability to negatively affect the quality and performance of your engine and vehicle as a whole. And according to Community Car Care, there is a 1 in 5 chance that YOUR car needs an air filter change right now! Many drivers are guilty of overlooking this small but highly-necessary scheduled maintenance.

Engine Damage

The long list of airborne contaminants can have a powerful impact on your vehicle’s engine, and in a very negative way. Everything from pistons, cylinders, and cylinder walls, to piston rings and bearings, are just a few areas of a car engine that can begin to lose performance value from clogged or dirty air filters. Over time, neglecting to change them can lead to serious engine malfunctions and breakdowns, which means frustrating, costly repairs.

Cabin Filters

If you like to have clean, breathable interior air that smells good, you need to change your air filters on a routine basis. Once they start to become clogged, they begin to slowly lose their ability to do their job. So once they are entirely clogged, you can suffer some mild but irritating consequences, such as musty smells, sore throat, coughing, itchy eyes, tightening of the chest, and more. Changing them regularly keeps the interior environment of your car fresh and easy to breath.

Schedule

Refer to your vehicle’s owners’ manual for the manufacturer recommendations on factory scheduled maintenance. The general rule of thumb is to have your air filters inspected and changed every time you take your car in for an oil change. In fact, it is often a part of oil change packages. This should be every 3,000 miles or so. Talk to your mechanic for professional advice.

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6 Types of Rolling Contact Bearings

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What Car Battery Should You Choose? Absorbed Glass Mat (AGM), Gel Or Wet Cell

An electrical problem that doesn’t let your car start and leaves you stuck in a parking lot or some place away from the fix that’s needed is an unwanted problem we all do our best to avoid. So what can you do to lessen the possibility of a possible unwanted situation that involves an electrical system crash in your vehicle?

First of all make sure you spend double the money on a good car battery. A lead acid battery can cost between $75 to $125 dollars. The only reason liquid lead acid batteries are the most commonplace is liquid lead acid batteries were first developed in 1859 and they are the least expensive in today’s world of automotive engine starting sources. In 1971 the sealed liquid lead acid battery was created that made it maintenance friendly.

VRLA (valve regulated lead acid) batteries include gel and absorbed glass mate which are not liquid. Gel batteries are as the name applies which is a “Gel”. AGM batteries are silicate glass fibers mixed with boron and formed into a mat that holds the electrolyte. Non liquid gel batteries were created in the late 1920′s and lead to the creation of the “Absorbed Glass Mat” batteries in 1957. The AGM (absorbed glass mat) battery was put into production in 1972 but mostly used for military applications and non vehicle applications like boats, motor homes, motorcycles and electronics. Nowadays you see more AGM batteries becoming available for use in production cars. AGM (absorbed glass mat) batteries can cost from $160 to $250 but have more advantages over liquid lead acid batteries.

AGM batteries are basically used in applications where the use of the vehicle is only used now and again as in boats and recreational vehicles. The non use discharge rate is much lower in non use applications than liquid lead acid batteries. The charge rate is much faster also. Some automotive manufacturers are installing AGM batteries as their standard new car power source because of today’s higher vehicle power consumption. BMW right now is known to be the first to install AGM batteries in their 2007 models because of computer functions and braking.

AGM batteries are much better than liquid lead acid batteries but the downside of AGM batteries is you don’t overcharge them. They will charge faster with a normal output alternator up to 14.5 volts and a high output alternator is not needed. When an AGM battery is used in a non use vehicle a solar panel is recommended with a trickle charge. AGM batteries will go bad if charged over 14.5 volts. Most problems with charging AGM’s are in sports vehicles due to the rough environment they are used in. Toss away your old plug in garage battery charger and get a new one that maintains “Voltage” instead of amps. An AGM battery charger will sense a very low voltage in the battery and will start the recharge whereas an old charger does not sense low voltage and will not charge the battery.

These batteries are used in military vehicles that sit in storage for many years and start up after years in storage with no problem. I’ve read stories online where people have left their AGM batteries sitting in their garage for many years and they have retained their full charge. I use AGM batteries in my vehicles and disconnect the negative cable in the one that I don’t use that often anymore and it starts right up when I run the engine occasionally. I’ve read complaints about the AGM failing often but that’s only because of bad practices with them or using them in systems where the charging exceeds the recommended level. You can leave these batteries sitting for long periods of time without charging them but it’s recommended that a solar panel with an extremely low trickle charge be used when not in use. Again I will say from my own experiences is to disconnect the negative cable to the battery when not in use.

The AGM vs Gel and the wet cell? The AGM has thicker plates that tend to not warp that easily during deep discharges and resist sulfur buildup’s that destroy a wet cell battery. Wet cell batteries usually go bad after 4 years if they make it that length of time. The life expectancy of the AGM battery can be up to 10 years if not overcharged. Gel cell batteries are great for sports vehicles but tend to charge slower.

The Winner Is, “Absorbed Glass Mat” if you learn how to take care of them properly.

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The Meaning Of Quality In Health Care

The process of receiving health care services at the correct time in the appropriate way and to get the best possible outcome is defined as quality health care.

Six attributes of health care quality

• Safety – Care should not harm any patient.

• Patient centered – Individual needs should be taken care of when providing care.

• Timely – Care should be provided exactly on time.

• Effective – Care must be based on evidence.

• Efficient – Wastage of time should be reduced.

• Equitable – Equal care should be provided to every patient.

What is quality health care?

The meaning of quality health care is not the same for all people. According to some patients, quality care is to consult a doctor, to get proper treatment from the staffs of a hospital and to have a physician who can spend much time with the patient. But all these things are secondary. Clinical quality of care is the most important thing because more lives can be saved by providing evidence-based and high quality care.

Does quality equal safety?

Yes, quality equals safety. The quality of care is to be improved by the health care providers because it can save more lives of the patients.

How is health care quality measured?

Outcome indicators and process indicators are the two ways of measuring quality of care. Timelines and baseline practices are measured by process indicators. Complication rates, mortality rates and infection rates are measured by outcome indicators.

These indicators can be looked at by the consumer to compare the hospitals. National accreditations, recognitions and state of the hospital should also be looked at by you to measure quality.

What are quality measures and quality indicators?

The process of converting the medical information of a patient into percentage or rate to analyze the quality of care provided by the hospitals to their patients is called a quality measure. You will be given information by quality measures about how the patients are provided care by the hospital. This quality information can be used by you to compare the quality care of different hospitals.

What role do nurses and doctors play?

A very important role is played by the doctors and nurses. Quality care should be provided by all the nurses and physicians, clinically and satisfactorily. All the staffs in a hospital such as the receptionist, scrub nurse, hospital administrator, physician and the X-ray technician are responsible in providing quality care to all the patients.

Remember all these features when you will go to get quality health care from any hospital.

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Internet Marketing – What It Is And Why Do You Need One?

Nowadays, Internet Marketing is moving at the speed of the light and if you want to be in the limelight, so, you have to follow it. It is the simplest process of promoting your brand over the internet or intranet and reaching millions of shoppers around the world. It helps to generate leads, which positively increase your overall business profits.

Internet Marketing is a broad term that is divided into different categories like Affiliate Marketing, Display Advertising, Email Marketing, Inbound Marketing, Search Engine Marketing and Social Media Marketing, etc. There are so many reasons you need to add into your strategy and some of them are as follows.

Branding: Needless to say, brand image is important if you want to be in the competition, otherwise, no one will know you. It helps to make a sale and expand your business at a higher level and this is why you should invest in Internet Marketing now.

To Increase The Website Visibility: Another reason you need Internet Marketing is that it helps to increase the website visibility on different search engines. Nowadays, people prefer online than the offline for anything and almost everything, therefore, it is a must for every business to expand them to a higher level.

To Connect With More Customers: No doubt, a customer is very important to make a sale and Internet Marketing helps you to target a wider audience without any boundary restrictions. By the way of this, your brand is promoted worldwide and you are able to make clients nationally and internationally both.

Tracking And Integration: Internet Marketing makes a track record of everything related to your business easier and it even allows you to get integrated with your clients. This may give you an opportunity to know about their likes and dislikes related to your products, so, you can improve yourself accordingly to get better results.

Flexibility: Lastly, Internet Marketing is one of the flexible ways of marketing that give you an opportunity to manage your store easily without any help and support. Besides, it saves your bucks and thousands of seconds, which lead your business to the success.

All in all, it is essential for your business growth and you should never ignore its power anyhow. If you still have any doubt because you are new to the online world, so, you can take the support of a leading SEO Company which engaged in providing Internet Marketing Services at a pocket-friendly price that fits into your budget and gives you the results beyond your expectations.

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Pros and Cons of Wild Animals As Pets

Many people find the idea of ​​having wildlife as pet as exotic and exciting. However, if you want a wild animal as a pet, you should have thorough understanding of the animal and its behavior and needs. The people who have these animals as pets are invariably trained to handle them, but even they will tell how unpredictable these animals can be. You may have read stories in the newspaper of zoo keepers being mauled by their wards.

So, having wild animals as pets has become quite a sensitive and controversial issue. Some people like to highlight the pros, while others just point out the cons. However, both should be weighed equally and only then a decision should be taken to keep a wild animal as a pet.

Here are some pros and cons of wildlife as pets.

Sometimes, conventional pets like dogs and cats can not be kept due to lack of space. In such circumstances, one can keep a wildlife like a hedgehog or gecko as a pet as they do not require that much space. Some wild animals have their own benefits. Like a hedgehog can be used to keep insects and others pests at bay in a house.

Often it has been seen purchasing a wild animal can be cheaper than purchasing a pet that is popular and has a pedigree.

Also, many proponents of wild animals feel that some species have a better chance of survival if they are adopted. It has been seen that the dart frog is facing a problem in the wild as its natural habitat is diminishing. Here, if this animal is adopted, it will have a better chance of survival.

However, there are sufficient cons and disadvantages of owning wild animals as pets. First of all, one has to take into consideration the welfare of the animal. Having a wildlife means giving due consideration to its diet, exercise and social interactions. Often, the animal will not have any interaction with other animals of its own species and will be left to lead a lonely and solitary life. Also, the owners will not be equipped to provide proper care to the animals as they may not be well-versed in these things. Many wild animals look cute and cuddly when they are small. However, as they reach adulthood or sexual maturity, their wild side takes over and the animal becomes aggressive. This is the time many owners abandon their pets or give them away to zoos.

Wild animals are carriers of many diseases that are lethal to humans. For instance, reptiles and amphibians are carriers of salmonella infection and each year thousands of people in the US contract this disease due to their pets. Also, rats imported from Africa are known to carriers of monkey pox. An outbreak of this disease occurred in the US in 2003 when Gambian rats bought in the monkey pox into the country.

Above all, the demand for wildlife as pet is increasing. So, many illegal traders are taking advantage of this demand. Most of the wild animals are captured and then transported in cruel and inhuman manner to reach their owners. In addition, majority of the owners do not know to take care of the animals and this causes them to fall sick or even die.

So, weigh the pros and cons of having wild animals as pets before jumping to adopt one. Make sure that you are properly equipped to handle the care of the animal. Do not adopt one if you have any doubts.

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5 Ways of How to Destroy a Business Partnership: Don’t Start That New Business Until You Read This

Let any one of these 5 situations into your business and you’ll ravage your entrepreneurial career:

1st – Stop needing each other:

There’s a considerable chance that the partnership power and responsibility structure will start to shift and will look very different starting anywhere from 3-12 months after inception.

In the beginning of any new venture, a dynamic and compelling new venture phenomenon, made up of fear, anxiety, stress and excitement, emerges and makes for an impressive personal barrier disintegrator. No facades and no charades are the hallmark of a new venture. The partners forget about their own needs and are on their best behavior. Everyone is madly in “love.”

“Needing each other” is a compelling power source in successful business partnerships. In most partnerships that “need” is the bond that keeps it all together. As time passes, especially after the 12th month of being in business, everything and everyone starts to shift, evolve and a displacement arises that will be unsettling and transformative for the business and all the players.

See #4 for more information on “not needing each other”

Solution: Accept the fact that the above information is valid. Discuss it openly with your business partners. Be vigilant and sensitive to your business partners and what they say and do and how they say it and do it. You don’t have to be “a touchy feely kinda person.” Think selfishly. Think protection for your future. Think protection for your business’ future. Communicating, openly and civilly, is the only preventive measure that will increase the chance for a favorable outcome.

2nd- Allow your significant other to point out all the expensive gifts your partner’s significant other is receiving and they’re not:

Significant others, and other family members, can be the source of great pain and distress when it comes to the relationship you have with your business partner.

Greed, jealousy, being overcritical, being generally resentful, tactless and being superficial are some of the flies swimming around in the business partnership ointment. Money and power sometimes brings out the worst in “significant others” and family.

Solution: There’s two parts to the solution:

a-It’s the smart business person who pays extreme attention to the health and tone of his business partnership. It should be the number one concern, above and beyond anyone else in your life. I know I’ll get a lot of Boos and Hisses but, if you take care of your business and the business partnership, it will always take care of you and the people you love and who love you. Everyone will be happy and satisfied.

b- Going to, or inviting in, a counsellor or therapist to meet privately once a month, individually and aggregately, with the business partners will always be money well spent. I’ve seen the wreckage that family members have created in some very successful businesses.

You will have partnership strife and discord. Bet on it. Prepare for it now and have the preventive and supportive resources at the ready and/or in play from the beginning. It will be a shame if one day you’re standing outside your padlocked office wondering what happened.

3rd – Have sexual relations with a family member of your business partner:

I “feel” the smirks already. Talk about destruction. This is an insidious act of extreme betrayal. It not only will leave your business ripped apart, it will destroy precious family and personal relationships. People will be crushed and devastated for a lifetime.

The reputations of all the partners will be tainted. You’ll be amazed and appalled at the same time to find out how many suppliers, banks and customers will turn their back on you. They know that with a soiled and stained situation like this, destruction and failure may be close by. No one wants to be part of this, especially if it hurts them financially. Something many people take for granted is that It takes years to build a reputation that’s respected and trusted. It takes 24 hours or less to blow it up.

Are you are going to make your bed and Lie in it, or not?

Solution: If you’re over 18, take a wild guess. Under 18? Talk to someone over 18.

4th – Do some self-talk about how you deserve more money than your business partner:

“I’m working so much harder than her.” “He was supposed to be the sales end of our business but…” “Our biggest customer can’t stand her.” “He can’t handle the pressure.” “I never realized how much she talks.” Do I need to go on? You may recognize one of these.

In the beginning of a new venture there’s “reality” and there’s “wishful and well-intentioned thinking.” The responsibilities and strengths that you bring to the new venture are not necessarily the responsibilities and strengths that will be in play when things get started and are rolling along.

Being aware of each partner’s powerful strengths and their ‘vulnerabilities’ will allow weekly partner meetings to be productive and allow for everyone to be open, honest and transparent. Staying flexible and being willing to adapt, not only leads to a sustainable business but what’s more exciting is, it leads to personal growth for all the partners.

Solution: There’s 3 parts to the solution.

a-Mandate, enforce and re-enforce up close and personal, respectful and empathetic communication meetings on, at least, a weekly basis. These meetings are confined to the partners only and are done behind locked and closed doors. Bring in food. Do not go to a public place to talk.

b- There are always 3 realities: Yours, theirs and the business’ reality. Work with the reality of the business only and adjust your life to the needs of the business. I repeat, make your business the priority above and beyond all others and the “others” will have a phenomenal life.

c- Accept as fact, that you may have to change your place and responsibilities in the business as time passes. Welcome it with open arms. If you have a problem with this I say, respectfully, get a therapist as soon as possible. Your reluctance is connected to, and about, ego, self-image and self-confidence. It pays to have someone help you disentangle your emotions and consequently save your entrepreneurial career.

5th -Start the new venture on a 50/50 ownership platform:

If you’re forced to initiate an equal stock partnership, then having or learning patience, empathy, and anger management becomes even more crucial and essential than ever before. A 50/50 is fine until the “cracks” start to appear. If you don’t follow the advice in step #4, it could be the beginning of the end for everyone.

Some interesting points:

a-In a partnership breakup your net worth is never, I repeat, never what you think it is. It’s always much less.

b-Banks, customers, suppliers and even employees will scatter when they get a whiff of bad news on the horizon. Your net worth could entirely dissipate in the time it takes you to say “Wait, I changed my mind.”

c-Make the partnership agreement as simple as possible (two pages is good) or you’ll find that the lawyers will make more than you.

d-You could make a 51/49 % stock ownership with a 50/50 % profit split. It’s worth it to give up more on the profit split in order to get 51% ownership of the company. In any event, no matter what you decide it’s always wise to have salaries, expenses and benefits remain equal.

Solution: See the solution in step #4

“Now go with your eyes wide open”… Good Luck out there.

A Personal Note:

I’ll be accused of being negative and shortsighted. My response: That’s Crap. This is reality. This is life. It’s raw, pure, up close and certainly personal.

You don’t like the article? I understand. The truth and reality have a way of making people feel uncomfortable.

Just do me one favor. Print it and put it in a drawer, in a sealed envelope. Open it 12 months to the day that you started your business. If I was right you unfortunately learned a valuable lesson and if your verdict is that I was wrong, please take a closer look and search for cracks in the partnership relationship. You may be in the “subtle stage.”

Partnerships are great when they’re solid and built on mutual respect. Unfortunately, this is not a perfect world. This article is about possibilities that you must be aware of and in tune with. Consider this article a practice “fire drill.” Adapt now, because when the flames start to roar, it’s too late.

This article is about coating your business relationship with empathy. It’s about knowing that you’re not only responsible for your welfare and performance, but you’re also responsible for your business partners state of being. I’m not advocating that you become super-parent. I’m advocating for you, and this article is all about your protection and your financial and mental well-being.

Once again. Good luck out there and never, ever give up on your dreams.

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Why Should You Take Care Of Your Car Windows?

The benefits of window glasses in a car are enormous. Up until recently, most cars were built with manual windows that you had to roll up and down with a crank. As nostalgic as they are, there are a few reasons they aren’t found in newer cars.
Power windows in cars offer several advantages, including:

CONTROL

It is true many vehicles have a master control pad on the console or the driver side door. If the kids are playing havoc in the backseat with the windows, you have the power to lock them. If you realize partway through your journey that someone left one of the back windows rolled down, you have the power to roll it back up with a push of a button or switch of a lever. You have complete control over every window in the vehicle, allowing you to focus on getting to your destination.

CONVENIENCE

As we mentioned, rather than having to put all your muscle into cranking up the window, power windows are controlled with a button, switch or lever. This makes it easier not only for the driver, but also for passengers with limited mobility to control his or her window.

SAFETY

Automatic windows have become a standard in today’s vehicles. If you have manual windows and would like to make the switch, it’s possible in almost any vehicle!

Window Damage Can Quickly Spread

When you notice a small crack or chip in your car’s window, it may be tempting to put off your repair services to another day. Over a period of time, the cracks can spread and cover a wide area. To prevent injury during an accident, it is necessary to have the crack repaired as soon as it forms on your window’s surface.

Window Damage Can Pose a Safety Threat

You are at a greater risk of sustaining injuries in times of an accident. The window which has already cracked can move out of its frame and cause injuries to you or your co-passengers in the impact.

Window Damage Can Affect Your Car’s Resale Value

In the event that you decide to sell your car, your vehicle will have a lower resale value if its windows have any signs of cracks or damage. Before you start the car selling process, it is a great idea to have your automotive glass damage repaired by a licensed professional. Taking care of your window damage will allow you to bargain a better price for your vehicle. A team of window repair experts can fix your cracked auto glass in no time.

SathyaNarayana B has done Masters in Applied Geology and he is interested in writing articles on travel, history, pet care, martial arts, medicine and natural remedies.

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10 Important Things To Keep In Mind Before Starting An Online Business

These ten factors may not necessarily appear in the same order as listed below but certainly, they are vital for the issue at hand.

HERE ARE THE TEN QUESTIONS TO ASK YOURSELF:

1. What type of online business do I want to engage in?
2. What do I have on offer that will be better than my Competitors in my niche?
3. Do I need to prepare a business plan for my business?
4. How much will it cost to set up my business?
5. Is my business online based or BOTH online and offline?
6. Do I need a dedicated website for my business and how much will it cost?
7. How will I market my business whether online or offline?
8. What is the right strategy to use to market my business?
9. Am I getting value for money in advertising my business?
10. Am I reaching the right audience with my advertising?

Having a positive answer for all these questions can only lead you to the next stage of your pursuit of running an online business.

Engage yourself in research into the business you want to get involve in and have a go at it. Take for instance, the Mobile Phone Industry. Statistics have shown the total number of mobile phone users worldwide from 2013 to 2019. For 2017 the number of mobile phone users is forecast to reach 4.77 billion. Customers and potential customers use their mobile phones to browse the internet for Products and Services more than a Laptop or Desktop computer, so it make sense for business owners to utilize this piece of technology for marketing their products and services. This could suggest that there is an opportunity to tap into the mobile app industry to meet the needs of these businesses requiring mobile apps.

Millions of apps for almost anything you can think of, are now in circulation whether for free download or at a cost. You might ask, why don’t I have a slice of the pie and start a mobile app business? The excitement kicks in, but one has to have some kind of knowledge about the whole App design process. This will probably force you to dig deeper into your research on the whole aspect of mobile app development. With this being established, my first question is answered; through study and research, you have made an informed decision to get involved in Mobile App Design and Development. But, what will you be offering that will be better than your Competitors? This is not a simple question to answer, but to say the least, strive to offer quality products and services to customers, and simply make your Products and Services more affordable while maintaining quality.

Starting a business without some kind of a business plan is like driving onto a very long motorway with 1/4 tank of fuel, with the hope that it will take you to the next service exit. The business plan will give you a breakdown of what you need for the business even though success is not guaranteed, as there are a number of opposing factors along the way.

There are a lot of businesses with little or no startup cost as opposed to other businesses with huge startup cost. It also depends on whether your business will both be online and offline. You have to decide if the business you want to indulge in, has minimal startup cost.

To setup an online business, does not have to cost an arm and a leg, if you take the time to do extensive research into the business you want to get into.

If your business is online based, advertising it to the right audience can be a huge task. Finding the right sources to advertise your business, can be quite challenging and risky as this is where you can spend huge sums of money to advertise, but yet get little return on investment if the advertising strategy is wrong.

Advertising a business to a targeted audience involves a number of factors like;

1. Google Indexing
2. Search Engine Optimisation (SEO)
3. Domain Authority (DA)
4. Page Ranking (PR)
5. Back links
6. Social Media
7. Joining Forums
8. Blogging
9. Google AdWords
10. Google Analytics
11. Keywords Research

To do all of these stuff can be demanding and boring, but if you need success in any business, you just have to get on with the task at hand.

Handing over this challenging task to an SEO Expert can be quite expensive. If you put the time and effort in and do your research and utilize the available SEO tools on the Market, believe me, you can bring your online business to life without ‘breaking the bank’.

To conclude, I would say to minimise business startup costs, try to do as much as you can yourself. When you have exhausted all avenues, seek help.

I did not need any website design experience to build the Apptitecture’s website. Therefore, not having to ask a web designer to build a website, has saved me some money which I was able to channel elsewhere in the business. Starting an online business can be quite daunting but with hard work and determination, you can have a successful business in the end.

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Credit Card Processing

The credit card is a commonly used financial tool and its use forms an important part of personal finance. A credit card though simple to use has a networked system and structure that enables payment through a plastic card with minimal chances of misuse and fraud. The credit card industry mainly comprises of:

  • Card Provider: Cards providers are very few in numbers. Some of the known credit card providers are: VISA, MasterCard, JCB, American Express etc. The logos of these card providers are what we very often see on entry to a store.
  • Card Issuers: financial institutions such as banks issue a MasterCard or VISA or any other card to card holders. This card will have logos of both the financial institution and the card provider.
  • Card Acquirer: The card acquirer processes the cards accepted by any store and this service is known as credit card processing or merchant account services.
  • Merchant Account: The merchant or stores have an account with a credit card processing service to enable credit card payments in their store.

Every credit card transaction initiates a flow of information and exchange of money between the credit card processing organization, card issuer and the merchant account authorized and conducted by the credit card provider.

Credit card processing services do not limit their services to acceptance of credit cards alone but also enable the processing of various payment mediums such as: debit cards, electronic cheques, gift cards and other forms of payment.

The credit card processing organization performs the key task of authorizing the credit card when presented to the merchant instantly. The credit card processing organization then debits the card issuers account and credits their account with the amount of purchase made by the card holder.This implies that the card issuer pays the card processing services for the transaction. The card services organization then makes the payment to the merchant after deducting a transaction processing fee.

This is the procedure followed for every credit card transaction and it is made easy for you due to the efficiency of various parties that are involved in making credit card transaction an easy process.

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