<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Leap to Cheap &#187; Credit Cards</title>
	<atom:link href="http://www.leaptocheap.com/category/credit-cards/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.leaptocheap.com</link>
	<description>Secrets to finding cheap or even free stuff</description>
	<lastBuildDate>Sat, 31 Dec 2011 07:12:14 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.9.2</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<title>Hidden fees:   Do gift cards take as much as they give?</title>
		<link>http://www.leaptocheap.com/2010/01/hidden-fees-do-gift-cards-take-as-much-as-they-give/</link>
		<comments>http://www.leaptocheap.com/2010/01/hidden-fees-do-gift-cards-take-as-much-as-they-give/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 04:00:34 +0000</pubDate>
		<dc:creator>l2cadmin</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Money Saving Articles]]></category>
		<category><![CDATA[best gift cards]]></category>
		<category><![CDATA[buy gift cards]]></category>
		<category><![CDATA[gift card]]></category>
		<category><![CDATA[gift cards visa]]></category>
		<category><![CDATA[target gift cards]]></category>
		<category><![CDATA[visa gift card]]></category>

		<guid isPermaLink="false">http://www.leaptocheap.com/?p=343</guid>
		<description><![CDATA[According to the Federal Trade Commissions FTC Gift Card Message

There are two types of gift cards.

    * Retail gift cards (e.g. Target, Walmart, Chilli's, etc.) may have expiration dates or a fee for inactivity that sometimes is called a "dormancy fee".
    * Bank gift cards (like VISA, MasterCard, Discover, etc) can be used at any location accepting cards from their network, but you'll probably end up paying more fees for activation, maintenance, and/or transactions on bank gift cards than on retail gift cards (e.g. Target, Walmart, Chilli's, etc.)

The FTC suggests that you take the following measures to protect yourself and/or the gift card recipient:

    * "Buy from sources you know and trust. Avoid buying gift cards from online auction sites, because the cards may be counterfeit or may have been obtained fraudulently."
    * "Read the fine print before you buy. If you don't like the terms and conditions, buy elsewhere."
    * "Ask about expiration dates and fees when you're buying a card. This information may appear on the card itself, on the accompanying sleeve or envelope, or on the issuer's website. If you don't see it, ask. If the information is separate from the gift card, give it to the recipient with the card to help protect the value of the card."
    * "Consider purchase fees: Must you pay a fee to buy the card? If you buy the card online or on the phone, is there a fee for shipping and handling? Does expedited delivery cost more?"
    * "Consider fees that may be deducted from the card, including activation, maintenance or transaction fees. It might be embarrassing to give someone a $50 gift card and find out later that fees gobbled up most of the amount."
    * "Inspect the card before you buy it. Verify that none of the protective stickers have been removed, and make sure that the codes on the back of the card haven't been scratched off to reveal a PIN number. Report tampered cards to the store selling the cards."
    * "Give the recipient the original receipt to verify the card's purchase in case it is lost or stolen."
    * "Consider the financial condition of the business and whether it has filed for bankruptcy."]]></description>
		<wfw:commentRss>http://www.leaptocheap.com/2010/01/hidden-fees-do-gift-cards-take-as-much-as-they-give/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Debit card risks that everyone should know about</title>
		<link>http://www.leaptocheap.com/2009/12/debit-card-risks-that-everyone-should-know-about/</link>
		<comments>http://www.leaptocheap.com/2009/12/debit-card-risks-that-everyone-should-know-about/#comments</comments>
		<pubDate>Thu, 31 Dec 2009 04:30:16 +0000</pubDate>
		<dc:creator>l2cadmin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Money Saving Articles]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[chase debit card]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[hsbc debit card]]></category>
		<category><![CDATA[lost debit card]]></category>
		<category><![CDATA[visa debi]]></category>
		<category><![CDATA[visa debit card]]></category>

		<guid isPermaLink="false">http://www.leaptocheap.com/?p=339</guid>
		<description><![CDATA[According to the Federal Trade Commission Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss. 

If you report  that your ATM or debit card is missing before it's used without your permission, the Electronic Fund Transfer Act (EFTA) states that  the card issuer can't hold you responsible for any unauthorized transactions.

If unauthorized transactions occur before you report it to the card issuer, your liability under federal law will vary depending on how quickly you report the loss]]></description>
		<wfw:commentRss>http://www.leaptocheap.com/2009/12/debit-card-risks-that-everyone-should-know-about/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
	</channel>
</rss>

