Credit Card Authorization Form

Remember what Macy’s did to Black and Hispanic shoppers?Macy’s used to stop them in the middle of the store, take them to an office, and accuse them of credit card fraud.When that didn’t work, the story changed. They were shoplifting.Usually, the terrified shoppers would sign confessions. They would get a bill for restitution of the “stolen” merchandise. Most people paid it immediately. Even if they hadn’t stolen anything. Which was most of the time.This was illegal. In fact, Macy’s had been fined and scolded sternly by NYS Attorney’s General for its solution to store “shrinkage”.But no one paid attention until actor Rob Brown got the Macy’s treatment.‘Treme’ star says he was racially profiled at Macy’sBy the time they put the cuffs on the soap opera/movie star for his Macy’s spree, an 18-year-old engineering student, Trayon Christian, who is also black, had been dealing with the same policy at Barney’s for weeks. Black student wins $45G settlement over Barneys stop-friskBy now, you should be thinking: WTF?So you tell me: Why do you think racial minorities disproportionately make up the U.S. prison population?Why do you think certain people get arrested for shopping while black?If they can corner and coerce confessions out of people for shopping, if they can arrest ordinary people and give them criminal records because they buy things with their own credit cards at a famous department store, is it any surprise that prisons are packed with people of color?I realize this is hard to believe. But I’ve got a DVD for one of those shopping sprees that ended in criminal charges. The arrested shopper refused to plea bargain. That guy’s lawyer DIDN’T EVEN ASK for the Macy’s security tape. The phony charges weren’t dropped for 4 years — after Robert Sanger took his case over.But that shopper wasn’t famous. He was just innocent. And his story was really hard to swallow … unless you saw the tape.I’ve been shopping in Macy’s for 60 years and I’ve never been accused of credit card fraud. Or shoplifting. Or anything.Because I’m white.Black people are uneducated. They drop out of school. They are undisciplined. Black people live in projects where they commit crimes and do drugs. Black people don't have jobs. So they have no money. White people work.  Black people want the things that white people have. So they steal them.Sometimes black people are caught. They go to jail. Jails are filled with black people for a reason.Are black Americans incarcerated more than whites because they commit more crimes or because the system discriminates against them?My teenage daughter was down by Roslyn train station one weekend evening, doing plenty of nothing with her teenage friends, when someone noticed the mother of one boy as she drove past them, through a stop sign, in full view of the police.Hey Alan, is that your mom?Alan’s mother was an alcoholic. A white alcoholic.The police lights flashed. Alan’s mother stopped her car and rolled down the window. The teens watched nervously from the train station. The officer ordered the female driver to get out of her car. They watched her struggle through his tests.Alas, she stumbled badly, unable to stand on one leg, or touch her nose, or walk a straight line. Had the police not stopped this woman, she might have crashed into another car or hit someone on a bicycle. She might even have run over Alan. She was that stewed.Alan’s mother sat in her car, still, while the officer sat filling out a form in the police car. The teens waited. They worried. The woman had clearly failed the sobriety test. Because she was drunk as a skunk.But then the officer got out of his car. He walked back to Alan’s mother. They spoke, he handed her a ticket, and got back in the police car. Then she drove off in the direction of affluent East Hills, the police car close behind. Alan would later report that the police had escorted his mother home, warned her not to drink and drive ever again, and then went back to work.Because she was white.If you have two neighborhoods — 1 black, 1 white — and you put 9 cops in the black neighborhood and 1 in the white neighborhood, most of your arrests will be black.Because that’s where all the police are.Reverse this arrangement, and most arrests will be white. Because that’s where all the police are. Crime data would show that white neighborhoods have a crime problem.But that’s not how they do it.In black neighborhoods, black people are stopped for trespassing, jay-walking, graffiti, littering, loitering, selling loose cigarettes, fighting, smoking marijuana, shopping, driving or just walking down the street.If there are no police, no one gets arrested.It’s good to be white. I dare you to tell me you disagree.A commenter at the right-wing Crime Prevention Research Center wrote in July:The percentage of unemployed young black men has always been north of 40% since 1970; whereas for caucasians it has always been less than 20% during the same time period.Couple this with the reality of the life experience with authority (police, school discipline) and declining community structure (single parent families etc.) and you get all the reasons why the percentages of black youth get involved in crime.The Real Root Causes of Violent Crime: The Breakdown of Marriage, Family, and CommunityIn other words, this whole trend, black people being arrested and going to jail, is their own fault! If young black men would just get a job, like young Caucasian men, and work, maybe they wouldn’t be in so much trouble all the time.Right?!In 55 days, Donald Trump will be President.Trump likes private prisons: Donald Trump's Election Win Is Making This Stock SoarLast March, Trump told Chris Matthews, “I do think we can do a lot of privatizations and private prisons. It seems to work a lot better.” MSNBC Town Hall with Donald Trump Moderated By Chris MatthewsIt certainly works better for white people.But it’s bad news for certain other people who tend to get arrested.What else? Donald Trump likes the death penalty. That’s old news. But it’s bad news, for certain other people.We should all be worried. I’m not worried about me. I’m worried about them.Racial minorities disproportionately make up the American prison population. Racial minorities will have the fight of their life with Donald Trump.Think things are bad now? The worst is yet to come.

Communication ProblemsThe main difficulty that Indian students face on campus is how to interact with other international and American students and teachers.A large majority of Indian students, even some of those who have graduated in the English medium from reputed schools in big cities in India, not to speak of small towns, struggle to converse with other students, particularly Americans.They are unable to understand popular American expressions, including idioms (“I’ll take a rain check,” “you’re on the ball,” “I’m still finding my feet,” etc.), words/phrases (“downtown,” “okra,” “check,” etc.), and spellings (“caliber,” “program,” traveling,” etc.).American pronunciation also confuses Indians (“semai” for “semi,” “skejule” for “schedule,” “lieu-tenant” for “lieutenant,” etc.).Moreover, Americans find it difficult to understand their accent, and the need to repeat themselves frustrates them. However, like other international students, most of them are, before long, able to speak in a neutral accent.Another problem is the use of Indianisms. “Made in India” phrases such as “what’s your good name?” “revert back,” “attended a function,” and “mother promise,” and words such as “prepone,” “cousin brother/sister,” and “out of station” puzzle all except others from India.The use of “is” and “are” and “has” and “have,” and even “had,” interchangeably causes bewilderment among native speakers.In some situations, Indian students grasp the literal meanings of words but don’t comprehend what the speaker is trying to convey.For example, to a casual “How do you do?” from an American, the newcomer Indian student, without realizing that the question was meant only as a courtesy or greeting, may feel obliged to provide an update of how his/her day has been, only to see the American walking away briskly.Such situations may confuse Indian students and take away some of their self-confidence. The inability to talk to and mingle with other students may negatively influence their social lives, and they may end up forming a circle of friends consisting of only Indian students. This robs them of an opportunity to experience diversity on the campus, which brings down the quality of their overall academic experience.The difficulties associated with communicating with others also affect Indian students’ academic interactions. Many Indian students are afraid to raise questions related to their subjects or answer teachers’ questions. They worry that their teachers might not understand them or that their inability to speak clearly might invite ridicule from their classmates.Subtle differences in body language between Americans and Indians, too, are often cause for awkwardness. For example, while meeting someone for the first time, Indian students may offer a “cold fish” handshake or a “crusher,” while a firm handshake is what Americans expect.Another aspect that Indian students fail to notice early enough is that Americans respect “personal space,” which is roughly an arm’s length from the next person, even a good friend. Indians, perhaps because they are used to crowded public spaces, sometimes don’t realize that they may be standing too close to the next person.Americans may have mastered the art of listening, but Indians? Only the most sophisticated and sensitive Indians have the patience to await their turn to speak. On campus, it is considered rude to interrupt a teacher, however relevant your point, without receiving permission to speak. Many Indian students learn this lesson only from experience.Read our related tongue-in-cheek post: MBA in USA: Mind your languageLifestyle problems on the university campusOf course, you need more than friends and fresh air to survive, even on the beautiful campuses, and your favorite foods likely top your list of priorities. No surprise then that “desi” food is usually what Indian students in the US appear to miss the most.The masala noodles and snacks they pack from home deplete quickly, and newcomers go looking for Indian restaurants sooner rather than later. They find good eateries and make Indian friends who can cook—vegetarians find the going a little tougher at the beginning.In time, at least some of them manage to mix and match various dals, vegetables, and spices into eminently edible dishes.But all this while, the heart is heavy with homesickness, despite the gadgets that bridge distances. Memorabilia work for some but worsens the longing in others. Food is the best medicine in these troubled times.Money management is a major issue for all but those with well-heeled folks back home. Indian students habitually convert every price-tag from dollars to rupees. Some end up leading a more frugal lifestyle than they need to; there is the other extreme, too, of course.But generally, budget constraints hamper the social lives of most Indian students, and hopes of keeping up with rich American or Chinese kids die a quick death. This, too, results in Indian students creating their own exclusive, but insular, social circle.The eclectic American culture is also individualistic and direct, and it pays to appreciate every person for who he or she is. Simple gestures like saying “Hello!” and acknowledging the personality and presence of others don’t cost a buck but help make a wide and varied circle of friends and improve the campus experience.If there is no committed effort to mingle with people from other cultural backgrounds, this opportunity is lost.Problems in Academics / StudiesIndian students, most of whom have learned by rote to score in exams, take time to appreciate the differences between the Indian and the American systems of education.As one student comments on another website, Indian students enter US campuses as excellent test-takers, but they need to become good researchers to succeed further. Making this transformation is not easy for a majority of Indian students arriving in the US.The requirement to learn concepts and express this understanding is a major hurdle for Indian students who are used to spoon-feeding and learning “by heart.” The idea that the campus is a place to acquire knowledge and not just a stepping stone to a great-paying career and that teachers and libraries are resources in the pursuit of learning is lost on many students. Many realize late that only they themselves are responsible for their academic performance.Respect for rules and regulations is learned the hard way in many cases. Unfortunately, the fact that plagiarism is a serious academic offence in the US is fully appreciated only after the first punishment.Among other bitter lessons are that using information from other published material invites suspension, that verbatim reproduction from textbooks or teachers’ notes is plagiarism, unlike in India, and that “combined study” and shared project work are not encouraged.Time management issuesTime management is a maddening problem for Indian students on US campuses. Many Indians are not used to punctuality in their own country, and schedules for classes and meetings are frequently disrespected. They take this habit to their U.S. universities, with unfavorable consequences.The concept of time management is much discussed in India but often remains only on paper. Failure to manage time affects academic preparations because syllabi in US schools are designed to be absorbed over a period rather than in a feverish season of last-minute cramming.Students who adopted a laidback approach while in India find it difficult to suddenly become systematic. Naturally, they are found wanting in assessments based on attendance, assignments, tests, quizzes, and the final examination that demand consistent diligence.But, all said, most Indian students manage their early predicaments quite well. More than a few go on to excel in their fields, making their sponsors, their parents, happy, and setting an example for other students going West.Many top universities have support systems in place. For instance, there’s an association of Indian students at MIT called Sangam. Use the resources such as these on the university campus, be aware of the cultural differences between Indian and American students, and you’ll do just fine.Website-http://www.mbacrystalball.com/bl...

TEXAS:There is no gun registration, or gun permit required to purchase a gun in Texas. Usually, there is no additional fee, beyond the purchase price of the gun. The exception would be when the two parties to a private transaction use the services of an FFL to transfer the firearm ownership. In that case, there would be whatever fee that FFL charges, and there is no set rate for that. Fees tend to run between $10 and $25 or so, depending on who they are and where they are. Texas uses the NICS instant background check system run by the FBI for people who do not possess a permit to carry concealed. Unless you are otherwise unqualified for lawful gun ownership (felony convictions, psychiatric history, known gang affiliations, etc.), you walk into the store, choose the gun, fill out the BATFE Form 4473, hand over your driver's license or other state issued photo ID, and wait for 10-15 minutes while they call in your information to NICS. (I believe this can now be processed online too, rather than just by phone.) When the background check clears, you pay for the gun and leave with it. The entire process usually takes 15-20 minutes.If you have a Texas CHL (Concealed Handgun License), you have ALREADY gone through a far more stringent background check than that required by NICS, so NICS is not involved in the purchase. When you choose your gun for purchase, you hand the sales clerk both your TDL and your CHL, you fill out Form 4473, you pay, and you leave with your gun. Assuming you know what you want, time in and out depends on how much time you spend shooting the breeze with the salesperson.....and that is entirely up to you.Funny thing is..... ever since leaving California, I have purchased far more guns than I owned when I still lived there, and despite not having to wait 10 days, and despite not having to purchase emasculated "Calfornia Only" versions of those guns, not one single one of them has ever been used in a criminal manner, or stored in an unsafe manner. Not one of them has ever jumped up of its own accord and massacred an entire school yard full of children........and our murder rate is lower than California's.....Guns: Texas vs CaliforniaKeep in mind that there are 48% more people in California, but California suffers 56% more gun murders than Texas. Similarly, of all ways to murder people, Californians murder people with guns 69% of the time, while Texans murder with guns only 65% of the time. This indicates that the average Californian is more likely to murder or be murdered with a gun than the average Texan.No-one knows for sure how many guns exist, are owned, and who owns them, but I did find a 2001 survey that purportedly broke down likely gun ownership by state. According to these numbers, Texans as a whole own 45% more guns than Californians. That’s total guns, not guns per capita. So it would seem that even with fewer total guns spread among more people, more are still murdered with guns in California.If you break down the number of gun murders per 100,000 people, we see the likelihood of gun murder relative to the size of the population. This is the actual likelihood that you will be murdered with a gun in that state. With this measure, we see that your chance of murder by gun is 1 in 29,674 in California, compared to the less likely 1 in 31,348 in Texas.Interestingly, the most violent gun crime area in America by far is Washington DC. No state comes anywhere close. There is almost an order of magnitude more gun murders in Washington DC than any state. Your chance of being murdered with a gun in Washington DC is 1 in 6,250. Washington DC is infamous for its long standing ban on legal gun ownership by private citizens, in direct violation of the Second Amendment. This ban was partially lifted a couple years ago, but the restrictions on private gun ownership are still severely limited.At the other end of the spectrum, the city of Kennesaw, Georgia has had a city ordinance since 1982 requiring all households to own at least one gun and ammunition for it, with the reasonable exceptions of the mentally handicapped, religiously convicted against guns, and known criminals. Their overall crime rate is half the US average.Why do you suppose that is? And don't give me poverty, immigration, and race as issues. We have poor people, immigrant people, and ethnic people in Texas too.....probably in similar proportions to California. I think, and this is a very generalized statement, that the reason is a greater sense of personal responsibility among Texans, both for their personal station in life as well as the role of government in their lives than among Californians. We trust ourselves with guns because we are not ignorant about responsibility. This difference exists because Texans still have a healthy mistrust of overbearing government, while Californians welcome it, abdicating their personal responsibilities in the process. Again, these are very general statements, and I recognize that there are many Californians who think like I do, but are simply trapped there by job and/or family circumstances and history, and are not likely to leave the state like I did.Anyway, I apologize for the soapbox, but I thought it necessary to explain why Texans, as a whole, tend to be far more libertarian than some other states about controls on gun purchases. It is not sufficiently libertarian (in my view) in other areas, specifically in the matter of Open Carry, both of handguns and long guns.By way of explanation, I am not a rabid open carry advocate, but I do support it. If we had open carry, I would still most likely conceal my pistol most of the time. I would just be a lot less concerned about perfect concealment on a 102º day with 85% humidity, or while driving, for instance. But we don't have open carry here, at least not yet, and there is a statist wing of the state's republican party which colludes with democrats to keep that from happening. Hopefully, we'll remove that roadblock in the next legislative session (2015, our legislature only meets on alternate years). As far as long guns go, there is no law against carrying a loaded long gun anywhere that firearms are allowed, but there is a law against the open display of a firearm in a manner intended to cause alarm......and that is a subjective standard directly correlated with just how tightly the observer's panties are twisted up about firearms, because the observer gets to decide what causes alarm, not the person whose intent is at stake. I may carry a shotgun from the trunk of my car in the parking lot, into a gunstore 20 yards away, intending to have it repaired, and not at all intending to cause alarm——but to the socialist twat driving by, that display may be very alarming, and a "man with a gun" call goes out to the local PD.........and socialists LOVE it when they can enforce their illiberal and repressive attitudes onto other people, so I'll be the one taking the ride to the local cop shop until it all gets sorted out, and not the person whose complaint had me falsely detained.So in those kinds of respects, Texas is not yet perfect; but it is a DAMNED sight better, and a LOT more common sense than California, most particularly with respect to the process of buying a gun.

Safety is relative.Ecommerce is safe as long as you know what to look for. If the site doesn't feel safe, go with your gut. Here are reasons why you have to fill out all of the information requested like name, address, CVV and full card number.1. When you are purchasing goods from a merchant, that merchant needs certain information to verify you are the valid cardholder. The merchant is assuming the real risk in assuming you aren't a fraudster using a stolen card. Put yourself in the merchant's position. Would you just take a card number and expiration date from some random cardholder and hope it's not a stolen card?2. Information such as Address and ZIP and CVV/CVC (Visa/MC) or CID (Amex/Disc) are tools to verify the card is valid. They mitigate risk for the merchant. Address and ZIP in a Card Not Present (CNP) situation also allow the merchant to get the best possible processing rates for that transaction. 3. A legitimate merchant will have a secure website (if this is the scenario to which you're referring). Look for 2 things when entering your payment information on the site.Secure Connection in the URL Address denoted by HTTPS:A Privacy and Security Statement that includes their Compliance and Security Assessor:4. Credit card numbers are created by a sophisticated algorithm which is why you can't simply input the last 4 digits into a form. There are sites that will allow you to enter the lat 4 digits once you have already registered with them to verify the choice of card, but this is after they have your card on file. There are billions of debit/credit cards in the world with different expiration dates, CVV values and different 11/12 beginning digits so the chances that your card is the only one with a unique 4 digit ending are pretty slim.What is not safe 1. Filling out a paper form with this same data and mailing it to someone. Imagine if it got lost and someone got this info. Shopping spree on the internet for them. It still amazes me that my water bill allows this info to be paid in this manner. I would never fill out a form with my credit card data an mail or fax it. A big no-no. 2. Never email you credit card data to anyone. This communication can be easily intercepted and go into the wrong hands. Email is a safe mode of transmitting sensitive card data..

You can change the following details in Aadhar Card:NameGenderDate of BirthAddressE-mail IDTHINGS TO REMEMBER BEFORE APPLYING FOR AADHAR CARD DETAILS CHANGE:Your Registered Mobile Number is mandatory in the online process.You need to submit Documents for change of – Name, Date of Birth and Address. However, Change in Gender and E-mail ID do not require any document.You have to fill details in both – English and Regional/Local language (Eg. Hindi, Oriya, Bengali etc)Aadhar Card Details are not changed instantly. It is changed after Verification and Validation by the authoritySTEPS TO AADHAR CARD DETAILS CHANGE ONLINE:Click Here for going to the link.Enter your Aadhar Number.Fill Text VerificationClick on Send OTP. OTP is sent on your Registered mobile number.Also Read: Simple Steps to Conduct Aadhar Card Status Enquiry by NameYou will be asked to choose the Aadhar Card Details that you want to change.You can select multiple fields. Select the field and Submit.In next window fill the Correct Detail in both – English and Local language (if asked) and Submit.For Example – Here one has to fill the Email IdNOTE – If you are changing – Name, Date of Birth or Address, you have to upload the scanned documents. Click Here to know the Documents or Check them here.Verify the details that you have filled. If all the details look good then proceed or you can go back and edit once again.You may be asked for BPO Service Provider Selection. Select the provider belonging to your region.At last – You will be given an Update Request Number. Download or Print the document and keep it safe. It is required in checking the status of the complaint in future.So this step completes the process of Aadhar Card details change online.CHECK THE STATUS OF YOUR AADHAR CARD DETAILS CHANGE REQUESTStep 1 – Go the website by Clicking HereStep 2 – Fill the Aadhaar No. and URN – Update Request NumberStep 3 – Click on “Get Status”You are done. The new window on the screen will show the status of your request for change in Aadhar Card Details.

By authorisation form I assume that you mean LOA. Just download the pdf and sign it with stylus or get a printout,sign it and scan the copy.Now upload it!If I my assumption is wrong please provide little clear picture!Thank you!Allah maalik!

The authorization process doesn't transfer funds from the cardholder to the merchant. It's simply the bank's way of telling the merchant that the funds for a purchase exist. When a customer pays with a credit or debit card, the merchant contacts the cardholder's issuing bank and requests an authorization code.

A credit card authorization form is a document, signed by a cardholder, that grants a merchant permission to charge their credit card for a period of time as written in that document.

The best unsecured credit card for bad credit is the Credit One Bank® Platinum Visa® for Rebuilding Credit because it has a ×300 minimum credit limits, its annual fee could be as low as $0 (or as high as $99), and you don't have to put down a security deposit. ... Plus, this card is made for people with bad credit.

However, unsecured credit cards designed for consumers with bad credit will typically charge much higher rates and fees than secured cards. ... Some of our best unsecured cards for bad credit will accept a wide range of credit scores, including those at or below 500.

Why the Indigo® Platinum Mastercard® is a good option for those with fair credit. It's possible to have a bankruptcy in your past, and have a credit score between 600 and 649.