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Determine which one to use between debit and credit card

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Often, people are confused about which one to use, debit card or credit card, while making a payment. This happens due to unknowingness about both of them clearly. When you know everything about debit and credit cards, there will be no chance of feeling anxious before making payment.

Besides, there is a myth that debit cardholders tend to the victim of fraudulent transaction than persons who don’t hold a debit card. However, it is completely exaggerated talk. Proper usage of a debit card will never evoke any financial loss. Rather help the person to enjoy the ease of payment.

On the other hand, a credit card also helps a person by providing monetary assistance and mitigating emergency fund requirements. When a person is holding a credit card, he must not take out unsecured loans for bad credit score from direct lenders. So, both debit card and credit card ease a person to utilise the money to fulfil the necessity.

Here we will discuss both of them briefly so that it will be easy to understand how you can make the best use. Let’s start with a debit card.

Debit Card

It is a plastic card provided by your bank and linked to your savings or current account. The main purpose of providing a debit card is to ease payment or withdraw money without visiting the bank. Moreover, it helps a person to move cashless as he can easily swipe the card at the shopping mall, restaurant, theatre, pub, and even in the hospital.

Besides, fund liquidity every time you go as one can easily withdraw money as per his necessity by punching the card in Automated Teller Machine (ATM). Generally, there are many ATMs available at different banks along the road. There is no necessity of punching your card exactly at your bank’s ATM, but you can choose any of them.

When you punch the debit card, it seeks a password, a safeguard feature associated with the card. After typing the appropriate password and amount to be collected, cash will be dispensed from the machine. Therefore, you will be getting a message of deduction of money from your bank account.

When should you make use of a debit card?

A debit card helps to access money that you already have in your bank account. To utilise that amount stored in your bank account whenever you need it is the ultimate benefit of using it. It is the best option when you don’t want to make any debt and pay with the liquid fund. As debit cards are always associated with a bank account, there is no chance of increasing debt.

When there is a fund in your bank, it is no use to increase the unnecessary owing amount by using a credit card. Instead, if there is a comparatively low balance in the bank account and the price of the good is more than that, it is time to use the credit card, which will provide you with the ease of borrowing in no time.

However, borrowing action can also be done by applying for an overdraft facility as well. In that case, a person can easily get the required fund from his bank to exchange fixed deposits or balance in a savings account. But be careful while applying for overdraft because banks apply a high rate of interest on OD while credit card offers the facility of borrowing is comparatively low interest.

Credit card

A credit card is a popular means of borrowing any amount of money. Starting from 100€ to 100000€ can be borrowed with it. Many credit card companies offer different type of cards to people. When it comes to credit card, it comes with huge verities, such as reward point card, cash withdrawing card, debit card and many more.

A credit card helps to pay a high amount without deducting the balance from your bank account instantly.

For this reason, it is considered helpful during emergency requirement of fund. However, the credit card is associated with the limitation of borrowing and build up a credit score. A person with a strong income base is generally provided with a huge credit limit, while people with a low-income range are not given a high credit limit.

A credit limit defines how much a person can borrow. Suppose a credit card holder with a good income range can get a high limit, i.e. up to 100000€. On the other, a person who doesn’t possess a stable source of income and the amount is comparatively low, even after getting a credit card, can’t apply for more than €5000.

There is nothing to worry about as there is another way to enhance credit limit even after having a low-income range, i.e. by timely repayment of the outstanding amount.

When should you make use of credit card?

Before using a credit card, make sure it does not turn into a habit because borrowing money often leads to financial risk. When you use a credit card as a mode of payment, it is the amount of debt that will ultimately increase. The regular monthly repayment is the only way to reimburse the outstanding amount. Therefore, it is better not to use credit cards unless and until there is a serious fund requirement.

When you have an adequate amount in your bank account but want to preserve it for an emergency fund, using a credit card to buy household gadgets can be the best option. It is hard to predict when and how urgent a situation will take place.

Therefore, it is better to persevere liquid fund and use a credit card. In this way, you need not make the instant payment but rather pay the price in a small amount with monthly instalments. It will enhance your credit score too.

If you need a fund and there is no cash left with your bank account, instead of using the OD facility, let’s use a credit card as it comes with a low-interest rate. Banks generally charge huge interest on OD, which may lead you to financial risk.

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Changing your House With One Room At A Time

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You have finally made it to college! There is just one problem: you don’t know where to start. Where should your bed go? How do you organize the living room? What about your kitchen, bathroom, and bedroom? The truth is that every college apartment looks different because each student does things differently. However, some basic ideas can help make your first apartment feel like home. We will discuss great ways to decorate a college apartment, so all of your furniture fits in and makes sense!

 

Choose a Right Color Scheme

The first thing you need to do for college apartment decorating is deciding on a color scheme or several. You’ll want to see which colors make you feel at home, and try not to paint all of the walls one shade! If you have friends nearby, ask them for advice about decorating their apartments when they go off to college. From walls to furniture, accessories, and area rugs, you’ll find various styles and colors to choose from.

 

Choose the Right Bedspread or Quilt

If your college apartment has a bed, then choosing a comforter set for it is the first piece of furniture that needs to be taken care of! You can either buy a bedspread already made or DIY with sheets – but no matter what, you’ll want to make sure that it’s a focal point of the room. As mentioned above, every college student needs a comforter set for their bed to complete the look and feel of their bedroom! Invest in the best one that you can afford!

 

Decorate Your Walls with Wallpaper or Paint

The walls of your apartment are a blank canvas for whatever aesthetic you want to create. If your college has an idea wall, then use it as inspiration and take what they have on display in the resident’s hallways and make them come alive in yours by decorating your walls with wallpaper or paint.

 

Get Creative With Your Furniture

When you think of college furniture, the first thing that typically comes to mind is a twin-size bed and desk. This won’t cut it for your apartment! Invest in some options like an ottoman to use as extra seating when friends are over, or even have it as a place to put your feet up. The right furniture can help make your apartment feel more like home. Opt for a futon over a couch or chair so you can have somewhere to sleep when your friends come to visit, and an ottoman might be useful as extra seating for guests. You don’t want just any furniture, though! Make sure it’s not too bulky because space is limited in the average college apartment. Choose something that will fit within the confines of your space.

 

Get A Rug That Matches Your Style

A rug can go a long way in creating the perfect look and feel for any room, so get one that matches your style! You don’t have to spend money on an expensive piece of furniture if it just doesn’t work with what you already have. Maroon or red rugs are great for a room that has dark floors or furniture, while lighter colors are perfect if you want to create the illusion of more space.

 

Be Creative With Your Lighting

There’s nothing worse than coming home from a long day and not being able to see anything! To avoid this situation, try having multiple lamps in your apartment, so there is always a light source nearby. Good lighting is important, so if you’re looking for something unique to add a sense of character to your room, try a triptych lamp.

 

Use Mirrors to Give Room an Enlarged Look

Mirrors can do wonders for any space, but they’re especially great in rooms that are smaller than you’d like them to be. Use wall-length mirrors, so the room feels more spacious and less cluttered! Mirrors are also great for reflecting light, so they’re perfect if you don’t have much natural lighting in your room.

 

Choose The Colors Carefully

Colors can make room, so choosing them carefully is key! Consider your favorite colors and which ones you feel the most positive about to help with mood management while living on-campus. It’s important to also consider how light affects color – if there are more windows than walls, for example, you might want to paint your walls a dark color so that space doesn’t feel too open and empty.

 

Get Creative With Your Storage

We’ve all been in that situation where we don’t have enough storage space for the things we want to keep around, so you may as well find creative ways to put them away! Fake bookshelves are perfect because they’ll give off an illusion of a larger space while still being able to hold a lot of your things. You can also take advantage of corners and walls to hide things like dressers, closet space, and even your bed.

 

Hang Pictures on the Walls

You can use this tip to decorate any space, but it is especially important in a small apartment because you need to fill up as much wall space as possible! It feels good for your brain and soul when looking at pictures instead of blank walls all day long. If you’re feeling creative, you can paint your art or make a collage with interesting paper!

 

Stripes and Patterns on the Walls

This one is our personal favorite because it’s so fun and playful. You don’t need to go over the top either; just painting one wall in stripes will do the trick. Try pairing that with a patterned couch or throw pillows to complete the look! Moreover, Pictures, paintings, and posters are all great ways to fill up space. If you’re looking for inspiration, try searching Pinterest for “college dorm room wall decor” or any other quotes about college life that might speak to you.

 

Don’t Be Afraid To Get Creative!

If all of these ideas seem way out of reach, don’t be afraid to get creative with what you already have in your possession. You can decorate a plain white room by putting up posters, wrapping the walls with tapestry, or placing furniture in a way that creates an ambiance.

 

Wrapping Up

We hope you have found this post to be helpful. If so, please share it with your friends and family who are looking for a great summer sale or need the perfect decoration idea for their college apartment. And don’t forget to shop your favorite rugs at RugKnots! They offer fast shipping. Here’s one last tip – if there’s something specific that you’re searching for, type in what exactly you want into the search bar like “blue rug” or “rugrats.” You never know what kind of awesome deals may come up!

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How to Change Passenger name on Alaska Airlines

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  • Change or cancel your reservation here at alaskaair.com.
  • Call Alaska Airlines reservations team at 1-877-311-7484. (Dial 711 for relay services)
  • Notify an agent at the airport ticket counters.

Alaska flight Change Policy  Same-day confirmed changes can be made during the check-in window. A $25-50 fee will apply, but no difference in fare is charged. Saver fares cannot be changed. Saver fares purchased on or after May 1, 2021, may only be canceled under our 24-hour cancellation policy.

Alaska Airlines rule book?

Well, Alaska Airlines allows passengers to change or correct their names under any circumstances. It understands the severity of the situation and thinks for the convenience of customers. You can dial the Alaska Airlines customer care number (1-877-311-7484 as soon as you notice an error in your name on the ticket.

Alaska Airlines Reservations Name Change

Alaska allows one-time minor name correction free-of-charge under the following circumstances:

  • Corrections of no more than three letters (i.e. Britny for Britney or Brittany; John for Jon)
  • Obvious misspellings (i.e. Jeffrey for Geoffrey, Smith for Smyth, Gonsales for Gonzalez)
  • Completing a first name (changing Jeff for Jeffrey, Tom for Thomas, etc.)
  • Names inverted (i.e. JOHN/Doe for DOE/John)
  • Alaska Airlines ticket Change last name due to marriage or divorce

Name transfer is allowed by Alaska for a $125.00 name transfer fee plus any difference in fare. Great news! This fee is waived when transferring a ticket from a gold member to another traveler. However, the name transfer fee does apply when transferring a ticket from a non-gold member to a gold member.

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