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Tag: Card

Georgia football report card: Grading position groups after 31-17 win over Tennessee | Georgia Sports

The No. 12 Georgia Bulldogs beat the No. 7 Tennessee Volunteers on Saturday night in Sanford Stadium. Following the game, sports editor Bo Underwood graded each position group’s performance.

Quarterback

Carson Beck turned in his best performance of the season when Georgia needed it most. He completed 25 of his 40 passes for 347 yards and two touchdowns. He was on all night, spreading the ball across the field and extending several plays with his legs. Beck also finished with 32 rushing yards on 3 carries, including a 14-yard scramble that fired the sideline up and a 10-yard touchdown run. He took care of the ball and executed Mike Bobo’s gameplan to perfection. It’s the kind of game Beck has needed all season.

Grade: A+

Running backs

It took a while for Georgia to get the run game going against a tough Tennessee defensive front, but the Bulldogs ended up doing just enough on the ground to keep the Volunteers honest and set Beck and the passing offense up. With Trevor Etienne out, Nate Frazier assumed the lead role in the backfield and rushed for 68 yards and a touchdown on 19 carries. Freshman Chauncey Bowens also saw some snaps and finished with five carries for seven yards. As a team, Georgia rushed for 106 yards on 31 attempts.

Grade: B

Wide receivers

There were more issuess for Georgia’s receivers on Saturday even in the midst of a productive offensive game. Arian Smith dropped a perfectly-placed deep ball that would’ve been a huge play on the first offensive snap, while Dominic Lovett dropped a bubble screen on third down and a potential touchdown in the end zone. Dillon Bell nearly fumbled on a jet pass before it was ruled an incompletion, and Arian Smith actually did fumble on the next snap but recovered it. London Humphreys led Georgia in receiving with 63 yards, while freshman Nitro Tuggle caught two passes for 25 yards. Beck spread the ball out extremely well, and every wideout made at least one play despite the drops.

Grade: B-

Tight ends

The tight end group had its most productive outing of the year by far. Oscar Delp set three new career-highs with four catches for 56 yards and two touchdowns. Ben Yurosek had his best game as a Bulldog with five catches for 51 yards, and Lawson Luckie caught a pass for 23 yards on a free play. The tight ends provided some much-needed security for Beck on a night where his receivers left some plays on the board. If Delp can continue to develop a rapport with Beck late in the season, it could add a whole new element to Georgia’s offense.

Grade: A

Offensive line

Georgia’s offensive line bounced back in a big way after a disastrous performance against Ole Miss. Against an incredibly talented Tennessee defensive front, Georgia didn’t allow a single sack. Beck was kept clean all night, and as the game went on he appeared to gain more and more confidence with navigating the pocket. There have been times this year where he’s gotten hit early and it’s shaken his composure, but he had plenty of time to see the field in this one and the results reflected that. Big time game from Georgia’s offensive line.

Grade: A

Defensive line

Georgia’s defensive line had its work cut out for it with uber-talented running back Dylan Sampson coming to town. Sampson turned in another 100-yard game with 101 yards and a touchdown on 19 carries, but Tennessee was forced to start throwing it once Georgia got in front. Georgia allowed Sampson to get loose for a 27-yard touchdown in the second quarter, but put a lid on the explosive runs after that. Warren Brinson had three tackles including a tackle for loss.

Grade: B+

Linebackers

Smael Mondon was back to his old ways on Saturday, finishing tied for a team-high eight tackles, a sack and a pass deflection. He made plays all over the field and looked healthy as ever, which could be huge for Georgia’s defense down the stretch. Chaz Chambliss had another big game with two sacks, while Jalon Walker had eight tackles and a sack of his own. Damon Wilson had a sack to make it five total for Georgia. The linebackers created negative plays all night and never allowed Nico Iamaleava to get comfortable. Another dominant night from Georgia’s pass rush after an uncharacteristically quiet day against Ole Miss.

Grade: A

Defensive backs

Georgia’s secondary kept Tennessee in front of them all night and didn’t allow many deep shots. The Volunteers have struggled to connect on deep balls this season and those issues returned on Saturday. Iamaleava completed 20 of his 33 passes for just 167 yards, no touchdowns and no interceptions. He made the right play most of the time, but whenever Tennessee needed a big play, it just couldn’t find it. It was a very disciplined performance from Georgia’s secondary, and probably not one that would’ve happened this time a month ago.

Grade: A-

Special teams

The special teams unit surrendered a 26-yard punt return that nearly went for a touchdown before punter Brett Thorson made a textbook tackle that ended up saving Georgia four points after Tennessee was forced to kick a field goal. Peyton Woodring connected on a 36-yard field goal and all four of his extra points. Thorson punted four times for 177 yards with two being downed inside the 20.

Grade: B

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November 17, 2024
Business News | How to Choose the Right Credit Card for Your Lifestyle?

VMPL

New Delhi [India], November 6: A Credit Card can be a powerful financial tool when used correctly. However, selecting the right Credit Card for yourself can be a tedious process, especially without prior research.

Also Read | Deepak Borkar, Veteran Percussionist of Hindi and Marathi Cinema, Passes Away; Shantanu Moitra, Devaki Pandit Pay Tribute.

Without careful consideration, you might choose a card that does not align with your financial goals or lifestyle. This can lead to unnecessary expenses, and you may also miss out on many benefits.

This guide offers a comprehensive overview of the factors that you need to consider when choosing a Credit Card so that you can pick one that matches your preferences and spending habits.

Also Read | Salesforce India Revenue Grows 36% at INR 9,116 Crore in FY24, Engineering Software Major Expands Footprint.

How do you choose a Credit Card that aligns with your lifestyle?

1. Understand your spending habits

Before choosing a Credit Card, it is best to introspect your spending patterns. Analysing your spending habits can help you identify where you are bound to spend more and the kind of card you will need. This also helps you keep track of the amount you spend on a monthly basis, laying down a framework for your budget planning.

2. Look for rewards and benefits

Credit Cards offer an array of reward programs that cater to different preferences. You can use these to your advantage, especially if you can make use of certain rewards frequently.

For example, if you need to travel often due to work or for personal reasons, getting a Credit Card with travel points or additional benefits like access to airport lounges can help you take advantage of perks that make your travel more comfortable.

3. Consider the annual fee

While some Credit Cards require you to pay an annual fee, there are Credit Cards that are free. The annual fee is a yearly charge that is associated with maintaining your card membership. When considering a card with annual fees, you need to weigh the different benefits the card offers against its annual costs. If the rewards and perks significantly outweigh the fee, the card might be a good investment.

However, if you are an infrequent user and don’t plan on using the Credit Card often, a card with no annual fee might be a more appropriate choice.

4. Consider the interest rates

Just like annual fees, interest rates can impact the overall cost of your Credit Card. The annual percentage rate (APR) determines how much you will be charged in interest if you carry a balance on your card. If you can pay your balances in full every month, interest rates might not be a major concern for you.

However, if you anticipate carrying a balance, you should prioritise a card with a low APR and minimise your interest charges.

5. Analyse the credit limit you will need

The credit limit is the maximum amount you can borrow on your Credit Card. When choosing a credit limit, it is essential that you consider your spending habits and financial goals. If you are looking to build or improve your credit score, you should opt for a Credit Card with a higher credit limit.

However, this is beneficial only if you maintain a low utilisation ratio, that is, the percentage of your credit limit that you are using.

Wrapping it up

Choosing the right Credit Card for your lifestyle requires careful consideration of various factors. By analysing your financial goals and spending habits, you can determine your desired credit limit and select a card that aligns with your needs.

(ADVERTORIAL DISCLAIMER: The above press release has been provided by VMPL. ANI will not be responsible in any way for the content of the same)

(This is an unedited and auto-generated story from Syndicated News feed, LatestLY Staff may not have modified or edited the content body)

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November 6, 2024
Apple and Goldman Sachs must pay $89 million for mishandling Apple Card transactions, CFPB orders

NEW YORK — A federal regulator on Wednesday ordered Apple and Goldman Sachs to pay a combined $89 million for deceiving consumers and mishandled transaction disputes of Apple Card customers.

The Consumer Finance Protection Bureau orders point to “customer service breakdowns and misrepresentations” around Apple and Goldman’s credit card partnership. Apple failed to send tens of thousands of Apple Card disputes to Goldman, and when such customer disputes were reported, the investment bank did not follow federal requirements for investigating, the agency said.

As a result, many consumers faced long waits to get their money back from disputed charges and, in some cases, saw incorrect negative information added to their credit reports, the CFPB added.

Apple and Goldman were also accused of misleading people who purchased iPhones and other Apple devices about interest-free payments for the credit card. The CFPB found that many customers thought they would automatically get interest-free financing when buying an Apple device with Apple Card, for example, but were instead charged that interest, while Goldman misled consumers about some refund applications.

In a statement, Apple said it learned about the “inadvertent issues” years ago and address them along with Goldman Sachs, adding that it strongly disagrees with the CFPB’s characterization of its conduct. The California tech giant added that “Apple Card is one of the most consumer-friendly credit cards available, and was specifically designed to support users’ financial health.”

Goldman spokesperson Nick Carcaterra echoed that sentiment, noting the investment bank was proud to develop the credit card product with Apple, and said it was pleased to reach a resolution with the CFPB. Both companies also maintained that they had already worked to help impacted customers.

Wednesday’s CFPB action orders refunds for consumers and penalties for both companies. Apple is required to pay a $25 million penalty, the CFPB said, and Goldman a $45 million penalty and at least $19.8 million in redress.

The agency is also barring Goldman, which is already struggling with its wider consumer banking business, from launching another new credit card unless it can prove the product “will actually comply with the law.”

“These failures are not mere technicalities. They resulted in real harm to real people,” CFPB Director Rohit Chopra said in prepared remarks, noting hundreds of thousands of Apple Card users were impacted overall. In a separate statement, he added that “Big Tech companies and big Wall Street firms should not behave as if they are exempt from federal law.”

Apple partnered with Goldman to launch the Apple Card in 2019. The now-popular credit card runs on the Mastercard network and is deeply embedded into Apple Pay. It is designed primarily to be used on devices like the iPhone or Apple Watch.

The CFPB suggested that Apple and Goldman launched Apple Card prematurely, pointing to third-party warnings about technological issues prior to the card’s launch.

Goldman’s venture into consumer banking has been far from smooth sailing. The Wall Street firm recently ended its credit card partnership with General Motors — with Barclays coming forward as its replacement just last week.

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October 23, 2024
Football: Card defensive anchors take on double duty – West Central Tribune

WILLMAR — Finley Donelan and Luke McCleary are never too far from each other on the football field.

The senior duo are mainstays in the trenches for the Willmar football team. Both are defensive tackles for the Cardinals’ defense.

“I feel like he’s a tank and I’m a bit more mobile,” McCleary said with a grin towards Donelan. McCleary measures in at 5-foot-10 and 225 pounds. Donelan is 6-5 and 235 pounds.

“We’re both able to take on the blocks,” Donelan added. “Especially in the pass game, having more of a bull rush-type guy and then more of a speed rush-type guy, we compliment each other very well.”

As of two weeks ago, McCleary and Donelan are now paired together on the offensive line. Donelan is at left tackle and has been playing both sides of the ball for the bulk of the season. McCleary has recently made the jump to left guard as Willmar shifted to an all-senior offensive line. They’re joined by Danny Martinez at center, Gustavo Blue Arce at right guard and Tristan Boehme at right tackle.

Last week, the all-senior line helped the Cardinals to 305 yards of total offense in a 21-14 win over Chisago Lakes. It was Willmar’s first victory of the season.

Now, the Cardinals hope to carry that momentum on a short week against second-ranked Totino-Grace at 7 p.m. Wednesday at Hodapp Field. It is the sixth top-10 opponent the Cardinals have faced this season.

“I’m a little nervous but I know everyone’s really confident coming off the win so I feel like we have a better foundation going into this week,” McCleary said.

Donelan has been a three-year starter on the line for Willmar. Having an elder statesman on the line has been a valuable resource as the Cardinals tried to find the right line combination.

“He’s been through the highs and lows and knows how to balance those things out,” Willmar head coach Jon Konold said of Donelan. “Finley’s a smart player. He’s able to not practice as much on offense or defense and still knows what he’s supposed to do. He’s been giving a great effort all season long and it’s been seen in the improvement of the team these last few weeks.”

Moving McCleary to offense wasn’t the plan. He focused his off-season workouts towards being a D-lineman. He also had limited experience at the varsity level after his junior season was derailed by injuries. He hurt his right knee. That was followed by a back injury while doing squats in a weightlifting session.

“It was a pretty lofty amount,” McCleary said about how much he was lifting during the injury. He says his max today is “around 500” pounds.

Making both Donelan and McCleary was a move out of necessity. To help with that, senior Jake Huisinga and junior Cameren Champagne have been in the defensive tackle rotation.

“You have to be mentally and physically strong,” Konold said of playing both ways on the line. “And you have to be prepared because it takes a little extra film work.”

Willmar senior Finley Donelan, right, reaches out towards Benilde-St. Margaret’s Christian Johnson, 2, during a Week 1 game on Friday, Aug. 30, 2024 at Hodapp Field in Willmar
Joe Brown / West Central Tribune

On every offensive play, Donelan is there to lend a helping hand to McCleary, whether that’s with a double-team block or help knowing the plays.

“Without him, I wouldn’t have been able to know half the plays,” McCleary said. “He talks to me the whole game, which is really nice.”

Donelan pushed through McCleary’s self-deprecating humor and credited his teammate for being a quick learner.

“I can tell him a little adjustment to make to help out Danny or help out me and he goes out there and gives it 100% every time and tries to throw that adjustment in as quickly as possible,” Donelan said. “It’s been really nice to have someone that learns quickly, really wants to be out there, plays hard and gives it their all.”

Facing a top team in Class AAAA is a tall order in the regular-season finale. The hope for Donelan and McCleary is to keep the positive momentum going into the postseason next week.

“Everyone’s 0-0 going into the playoffs,” Donelan said. “You can look at regular-season records all you want but everyone’s got the same advantage going into the playoffs. For us to have the past two games that we’ve had in the run game and the O-line, it’s really exciting to see.”

Dawson-Boyd junior Nathan Hansen, 3, runs out onto the field prior to a Week 1 game against TMB on Thursday, Aug. 29, 2024 at R.B. Clay Field in Dawson.
Joe Brown / West Central Tribune

Dawson-Boyd at Minneota

7 p.m. Wednesday

The Dawson-Boyd/Minneota rivalry is renewed when the Blackjacks and Vikings meet at K.P. Kompelien Field on Wednesday.

Dawson-Boyd is coming off a 52-0 victory over MACCRAY on Thursday. The Blackjacks got a boost from Gunner Liebl and Brayson Boike, who combined for three first-quarter touchdown passes of 23, 43 and 54 yards. Liebl finished 12 of 24 for 265 yards and four touchdowns. Boike, a 6-foot-8 senior wide-out and Southwest Minnesota State University men’s basketball commit, had seven catches for 212 yards.

Minneota is the top-ranked team in Class A and is coming off an 81-0 win over Lac qui Parle Valley. The Vikings out-gained the Eagles 421-57 and had a 20-2 advantage in first downs. Ryan Meagher was Minneota’s top back, rushing for 126 yards and four touchdowns on 10 carries. Lucas Rybinski, Destin Fier, Adam Devlaeminck and Mason Javers also had touchdown runs in the victory.

Minneota won last season’s matchup, 50-6. Dawson-Boyd was the winner in 2022, 22-20.

Renville County West junior running back Jacob Savig runs though a tackle by Nicollet defender Talan Osborne during a game in Danube on Friday, Sept. 20, 2024.
Macy Moore / West Central Tribune file photo

Jacob Savig, Renville County West

Renville County West strengthened its case for a top seed in Section 2 9-Player with a 57-8 victory last week against Madelia. At the head of the Jaguars’ efforts was junior running back Jacob Savig.

The 6-foot, 205-pound Savig ran the ball 18 times for 195 yards and five touchdowns from 3, 11, 40, 11 and 7 yards out.

He paced a RCW offense that put up 407 yards against the Blackhawks.

The Jaguars close out the regular season at Mountain Lake.

(Games at 7 p.m. unless noted)

Wednesday

Totino-Grace at Willmar

New London-Spicer at Annandale

Litchfield at Holy Family Catholic

ACGC at Benson

BBE at KMS

Paynesville at Royalton

BOLD at Canby

Melrose at Minnewaska

Montevideo at Albany

Dawson-Boyd at Minneota

LQPV at Lakeview

YME at MACCRAY

RCW at Mountain Lake

Section 2AAAA

1. Marshall 6-1 (QRF 71.1, 11th)

2. New Ulm 4-3 (QRF 45.3, 27th)

3. St. Peter 3-4 (QRF 42.5, 28th)

4. Hutchinson 3-4 (QRF 42-1, 29th)

5. Willmar 1-6 (QRF 30.1, 37th)

Section 2AAA

1. Dassel-Cokato 7-0 (QRF 83.3, 3rd)

2. Litchfield 5-2 (QRF 57.9, 15th)

3. Howard Lake-Waverly-Winsted 4-3 (QRF 43.6, 23rd)

4. Watertown-Mayer 3-4 (QRF 37.9, 26th)

5. Rockford 2-5 (QRF 23.4, 43rd)

6. Glencoe-Silver Lake (QRF 21.1, 48th)

Section 6AAA

1. Albany 7-0 (QRF 85.9, 2nd)

2. Minnewaska 4-3 (QRF 49.0, 20th)

3. New London-Spicer 4-3 (QRF 47.3, 21st)

4. Sauk Centre 2-5 (QRF 28.3, 34th)

5. Melrose 2-5 (QRF 26.7, 40th)

6. Montevideo (QRF 8.5, 55th)

Section 5AA

1. Kimball 7-0 (QRF 68.6, 2nd)

2. Eden Valley-Watkins 6-1 (QRF 57.4, 9th)

3. Holdingford 6-1 (QRF 54.4, 14th)

4. Kerkhoven-Murdock-Sunburg 4-3 (QRF 27.9, 28th)

5. Paynesville 2-5 (QRF 21.4, 43rd)

6. Royalton 1-6 (QRF 15.6, 47th)

Section 4A

1. Upsala/Swanville Area 7-0 (QRF 49.6, 4th)

2. Belgrade-Brooten-Elrosa 6-1 (QRF 45.8, 6th)

3. Browerville-Eagle Valley 4-3 (QRF 33.4, 20th)

4. Atwater-Cosmos-Grove City 2-5 (QRF 18.6, 37th)

5. Benson 1-6 (QRF 15.5, 45th)

6. Long Prairie-Grey Eagle 1-6 (QRF 11.4, 51st)

Section 5A

1. Minneota 7-0 (QRF 44.6, 8th)

2. BOLD 6-1 (QRF 43.5, 11th)

3. Dawson-Boyd 6-1 (QRF 36.8, 17th)

4. Canby 3-4 (QRF 20.3, 33rd)

5. Lac qui Parle Valley 2-5 (QRF 17.1, 41st)

6. Lakeview 2-5 (QRF 17.1, 41st)

7. MACCRAY 1-6 (QRF 13.4, 49th)

8. Yellow Medicine East 0-7 (QRF 8.7, 55th)

Section 2 9-Player

1. Cedar Mountain 4-3 (QRF 23.8, 18th)

2. Renville County West 5-2 (QRF 22.3, 21st)

3. New Ulm Cathedral 5-2 (QRF 21.1, 25th)

4. Red Rock Central 2-5 (QRF 14.1, 40th)

5. Nicollet 3-4 (QRF 12.2, 43rd)

6. Westbrook-Walnut Grove 1-6 (QRF 8.8, 47th)

7. Buffalo Lake-Hector-Stewart 0-7 (QRF 4.5, 57th)

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October 16, 2024
Lights, Cards, Action! How To Host The Best Diwali Card Party

Diwali is the favourite festival of many Indians – LED lights strung across every building, homes full of sweets and a crisp air of upcoming winter enveloping all of us in a spirit of joy and celebration. What’s not to love about Diwali? Seize this festive spirit and play host to one of the most fabulous Diwali Card Party your guests will never forget. We are here to help you every step of the way – from decor to dessert and everything in between.

Party-Theme Outfits

Pick a theme for outfits and make sure all your guests stick to it. It can be as simple as Diwali ethnic outfits to perhaps some colour theme for the card party – red, white and black. You can also wear a shirt with hearts or cards to stand out as the host.

Festive Decor

A nice decoration is important for a Diwali party. Make sure you are done with the Diwali cleaning in your home before hosting the get-together. Next, place diyas and candles to get that Diwali vibe. You can also make a pyramid of playing cards (make sure to stick all cards in place) and set it at the centre table.
Also Read:Diwali 2024: Date, Puja Timings, Rituals And Best Traditional Sweet Recipes

Cocktail O’ Clock!

No card party is complete without cocktails. Going with the festive vibe, you can serve Bloody Mary, Sangria, Whiskey Sour, Elderflower Martini and Margaritas. Feel free to customise the cocktail menu based on what your guests love the most.

Appetizers And Snacks

Finger food is perfect for a card party. Avoid serving anything complicated such as chicken wings that may require your guest to leave the cards to eat or get their hands dirty. Here are some snack ideas:

Vegetarian:

Rajma Kebab: These veg kebabs combine kidney beans and aromatic spices, which are deep-fried to a beautiful golden brown colour.

Potato Cheese Shots: Potatoes are a staple in every Indian kitchen and are always a popular choice. Potato cheese shots make for a delightful snack for people of all ages.

Falafel With Peanut Sauce: This falafel recipe is easy to prepare using common ingredients you probably have on hand. These Middle Eastern patties will be a versatile addition to your party spread.
Also Read:Ahead Of Festive Season, Swiggy Instamart Launches 24×7 Free Delivery In Delhi-NCR

Non-Vegetarian:

Fish Popcorn: The aroma and texture of this recipe will surely captivate the taste buds of your guests.

Baked Chicken Seekh: Enjoy chicken seekh kebabs that aren’t drenched in oil. With this simple baked chicken seekh recipe, your guests can savour kebabs completely guilt-free.

Keema Samosa: Instead of stuffing samosas with potatoes, fill them with juicy, spiced keema for a meaty, crispy snack.

Dinner

Once everyone is done playing, it will be time for dinner. You can play some nice background music for dinner. Make sure all crockery and cutlery are in place before guests move for the main course. Here are some ideas for the dinner menu:

Butter Chicken: Chicken fans love a good and flavourful Butter Chicken. Choose shredded chicken pieces so guests can enjoy this dish easily.

Rogan Josh: One of the most beloved Kashmiri dishes in Indian cuisine, this red-gravy mutton dish has mutton pieces cooked with hot and spicy Kashmiri spices.

Dal Makhani: Everyone loves dal makhani, a creamy dal full of butter and rich flavours.

Dum Paneer Kali Mirch: With its spicy and creamy profile, this paneer gravy dish will be loved by all your guests.

Malabar Parotta: Crispy and layered, Malabar parotta will add a delightful South Indian flair to your party menu.

Matar Pulao: Elevate plain rice with peas and spices to create a delicious pulao.

Desserts

Shahi Tukda: Transform fried bread pieces into a memorable dessert by generously coating them with rich layers of milk and nuts.

Phirni: Delight your guests by serving chilled Phirni in earthen cups, the perfect Indian dessert for a Diwali celebration.

Ice Cream: You can never go wrong with ice cream. Classics like vanilla, chocolate and mango are loved by everyone.

Say Goodbye With Gifts

Once done with desserts, do not forget to send your guests home with a special Diwali gift. You can never go wrong with a customised luxury food hamper and perhaps a pack of glossy cards as a token for the successful card party at your place. Happy Diwali!

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October 14, 2024
Business News | American Express India Unveils Enhanced Platinum Card®, Offering Consumers New Travel and Lifestyle Benefits

PRNewswire

New Delhi [India], October 8: American Express India today announced a refreshed suite of benefits for its Consumer Platinum Card®, offering Card Members an enhanced blend of premium, travel, and lifestyle privileges. The newly introduced benefits provide additional value across key categories, including travel, dining, and everyday conveniences, delivering an even richer experience for Card Members. With new enhancements and existing exclusive features, the Platinum Card now provides a cumulative value of over Rs 450,000 [1] annually including an incremental value of over Rs 1,40,000.

Also Read | ‘Bigg Boss 18’: Tajinder Pal Singh Bagga Reveals His Astrologer Friend Predicted Sidhu Moose Wala’s Death, Reveals Punjabi Singer Planned To Leave the Country.

“For over four decades, the Platinum Card has been a symbol of distinction and excellence in the premium card membership category,” said Puneet Bhatia, Vice President, Acquisition and Product Management, American Express Banking Corp. India. “With this latest refresh, we are elevating the experience to meet the aspirations of a new generation of Card Members by offering new elite-tier memberships, enhanced rewards and exclusive experiences that reflect their dynamic lifestyles.”

Key Highlights of the Enhanced Platinum Card:

Also Read | Andres Iniesta Retires: Real Madrid Release Statement After Barcelona Legend’s Retirement, Calls Him ‘One of the Biggest Legends of Spanish and World Football’.

* Welcome Gift worth up to Rs60,000 [2]: Significant enhancement in the welcome gift, increased from Rs45,000 to Rs60,000 (Taj Hotels/Postcard Hotels/Luxe Gift Card) offering even more value right from the start.

* Three New Elite Memberships: Three new complimentary memberships with Accor Plus Traveller, The Postcard Sunshine Club – Platinum, and I Prefer Titanium, which complement existing elite memberships – Mariott Bonvoy™ Gold Elite, Hilton Honors Elite Gold, Radisson Rewards Premium, and Taj Epicure Plus – offering exclusive privileges, including luxury hotel stays, dining discounts, and personalized services, enhancing Card Members’ travel and lifestyle experiences globally.

* Annual Renewal Benefits that ensure continued access to premium experiences. Upon renewing their Card membership each year, Card Members will receive annual renewal benefits worth up to Rs35,000 [3]. These benefits include access to premium offers, and discounts.

* Complimentary digital subscriptions to The Wall Street Journal+Mint, Vogue, Conde Nast Traveler, SonyLiv Premium and Disney+ Hotstar as part of Ace by Times Prime, providing a value of up to Rs45,000 in premium lifestyle and entertainment benefits.

* Savings of up to Rs8,000 on the latest Apple products: Instant cashback of up to Rs8,000, each time Card Members shop for the latest Apple products, whether online at apple.com or in-store.

* Third night complimentary at The LaLiT with savings worth up to Rs30,000 upon booking two consecutive club room or suite nights, at The LaLiT Hotels.

* 1+1 Movie Tickets with PVR INOX: A treat for entertainment enthusiasts with complimentary movie tickets along with exciting offers on food and beverages.

* Special offers on everyday spending, including retail shopping, Uber rides, health and wellness services and pet care.

In addition to these benefits, Card Members also continue to have access to existing benefits, services and rewards, including:

* Unlimited access to over 1,300 airport lounges globally.

* One-Year Complimentary Memberships on Dining Apps: Access to Zomato and EazyDiner for exclusive dining deals.

* Membership Rewards with No Expiry Date [4]: Flexible rewards points that never expire.

* Complimentary access to premier golf courses.

* Comprehensive Insurance Coverage: Coverage of up to Rs5 crores, including overseas medical insurance worth USD 50,000.

* Global Servicing and exclusive benefits and discounts at luxury Taj and Oberoi hotels globally.

With everything it has to offer, the Platinum Card now has an annual fee of Rs66,000 +applicable taxes. For Platinum Card Members who opened accounts prior to October 8, 2024, the new annual fee will take effect on those Card Members’ annual renewal dates. For most important Terms and Conditions, click here.

Earlier this year, American Express in India refreshed its Platinum Corporate Card, and now with the refresh of the Platinum Consumer Card, American Express delivers powerful benefits tailored to both individual consumers and corporates.

For more information on the American Express Consumer Platinum Card® and to explore the full list of benefits, please click here.

[1] Terms, conditions and restrictions apply[2] Spend based benefits[3] Spend based benefits[4]Terms and conditions apply

About American Express

American Express is a globally integrated payments company, providing customers with access to products, insights and experiences that enrich lives and build business success. Learn more at americanexpress.com and connect with us on on Facebook, Instagram, LinkedIn, X, and YouTube.

Key links to products, services and corporate sustainability information: personal cards, business cards and services, travel services, gift cards, prepaid cards, merchant services, Business Blueprint, Resy, corporate card, business travel, diversity and inclusion, corporate sustainability and Environmental, Social, and Governance reports.

Photo: https://mma.prnewswire.com/media/2525433/American_Express.jpgLogo: https://mma.prnewswire.com/media/2284353/American_Express_Logo.jpg

(ADVERTORIAL DISCLAIMER: The above press release has been provided by PRNewswire. ANI will not be responsible in any way for the content of the same)

(This is an unedited and auto-generated story from Syndicated News feed, LatestLY Staff may not have modified or edited the content body)

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October 8, 2024
Getting your first credit card? Find out which one fits your lifestyle best

The freebie hunter

Sign-up promotions can be a big draw for many first-time cardholders.

Checks by The Sunday Times showed that most banks tend to offer promotions to those new to their cards, such as additional cashback or bonus miles in bulk, as well as big-ticket gifts.

For instance, HSBC currently has a range of cards either offering up to 35,000 miles, $200 cashback, or a piece of Samsonite luggage worth $680.

Sign-up gifts offered by other cards in the past include an Apple iPad, a Secretlab chair or Sony noise-cancelling headphones, which each retail for above $500.

Of course, such promotions do come with terms and conditions, such as minimum spends within the first month of application.

To maximise such promotions, Mr Wee said: “If you don’t use cards from a bank much, it may be worth it to cancel the cards altogether so you can qualify for new cardholder gifts in future.”

But avoid making this a habit, cautioned MileLion’s Mr Wong.

Known as “churning”, this refers to the practice of leveraging a card’s welcome offers and cancelling it within a year to qualify for the bank’s next newcomer promotion.

“Banks can and do track people who do this. If you do this too often, they might just reject all your applications going forward,” he said.

Not a sure win

But the game of credit cards is not a sure win. If one misses payments or spends beyond their means, there is much to lose.

“Credit cards – and their rewards – are designed to get you to spend more, so be careful of lifestyle creep and overspending,” warned Mr Wee.

Lifestyle creep is when your income goes up and spending creeps up to match it, and you get used to more expensive things.

While signing up for multiple cards is one way to maximise benefits, remember to cancel cards you no longer use, or request annual fee waivers as your wallet fills up.

Checks by ST show that most cards have an annual fee of about $200.

Although only the first annual fee is free, banks are usually willing to waive subsequent payments upon request, said Mr Wong.

A good way to prevent overspending would be to view credit cards as debit cards, said Mr Wong, adding that “a credit card should not be an invitation to spend money that you don’t already have”.

Ms Huang Xuwen, founder and financial consultant at Financial Wellness In Singapore, said prudent financial habits, such as saving first and spending later, should be practised consistently.

“If necessary, use two separate bank accounts – one for accumulating savings every month, and one dedicated to spending,” she said.

Being unable to pay credit card bills and incurring late payment fees will lead to a growing debt, worsening one’s credit score with Credit Bureau Singapore, added Ms Huang.

This might make it hard to secure loans or apply for jobs in industries such as finance in the future.

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September 27, 2024
Getting your first credit card? Find out which one fits your lifestyle best

The freebie hunter

Sign-up promotions can be a big draw for many first-time cardholders.

Checks by The Sunday Times showed that most banks tend to offer promotions to those new to their cards, such as additional cashback or bonus miles in bulk, as well as big-ticket gifts.

For instance, HSBC currently has a range of cards either offering up to 35,000 miles, $200 cashback, or a piece of Samsonite luggage worth $680.

Sign-up gifts offered by other cards in the past include an Apple iPad, a Secretlab chair or Sony noise-cancelling headphones, which each retail for above $500.

Of course, such promotions do come with terms and conditions, such as minimum spends within the first month of application.

To maximise such promotions, Mr Wee said: “If you don’t use cards from a bank much, it may be worth it to cancel the cards altogether so you can qualify for new cardholder gifts in future.”

But avoid making this a habit, cautioned MileLion’s Mr Wong.

Known as “churning”, this refers to the practice of leveraging a card’s welcome offers and cancelling it within a year to qualify for the bank’s next newcomer promotion.

“Banks can and do track people who do this. If you do this too often, they might just reject all your applications going forward,” he said.

Not a sure win

But the game of credit cards is not a sure win. If one misses payments or spends beyond their means, there is much to lose.

“Credit cards – and their rewards – are designed to get you to spend more, so be careful of lifestyle creep and overspending,” warned Mr Wee.

Lifestyle creep is when your income goes up and spending creeps up to match it, and you get used to more expensive things.

While signing up for multiple cards is one way to maximise benefits, remember to cancel cards you no longer use, or request annual fee waivers as your wallet fills up.

Checks by ST show that most cards have an annual fee of about $200.

Although only the first annual fee is free, banks are usually willing to waive subsequent payments upon request, said Mr Wong.

A good way to prevent overspending would be to view credit cards as debit cards, said Mr Wong, adding that “a credit card should not be an invitation to spend money that you don’t already have”.

Ms Huang Xuwen, founder and financial consultant at Financial Wellness In Singapore, said prudent financial habits, such as saving first and spending later, should be practised consistently.

“If necessary, use two separate bank accounts – one for accumulating savings every month, and one dedicated to spending,” she said.

Being unable to pay credit card bills and incurring late payment fees will lead to a growing debt, worsening one’s credit score with Credit Bureau Singapore, added Ms Huang.

This might make it hard to secure loans or apply for jobs in industries such as finance in the future.

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September 27, 2024
Department of Justice sues Visa, alleges the card issuer monopolizes debit card markets

NEW YORK — The U.S. Justice Department has filed an antitrust lawsuit against Visa, alleging that the financial services behemoth uses its size and dominance to stifle competition in the debit card market, costing consumers and businesses billions of dollars.

The complaint filed Tuesday says Visa penalizes merchants and banks who don’t use Visa’s own payment processing technology to process debit transactions, even though alternatives exist. Visa earns an incremental fee from every transaction processed on its network.

According to the DOJ’s complaint, 60% of debit transactions in the United States run on Visa’s debit network, allowing it to charge over $7 billion in fees each year for processing those transactions.

“We allege that Visa has unlawfully amassed the power to extract fees that far exceed what it could charge in a competitive market,” said Attorney General Merrick B. Garland in a statement. “Merchants and banks pass along those costs to consumers, either by raising prices or reducing quality or service. As a result, Visa’s unlawful conduct affects not just the price of one thing – but the price of nearly everything.”

The Biden administration has aggressively gone after U.S. companies that it says act like middlemen, such as Ticketmaster parent Live Nation and the real estate software company RealPage, accusing them of burdening Americans with nonsensical fees and anticompetitive behavior. The administration has also brought charges of monopolistic behavior against technology giants such as Apple and Google.

According to the DOJ complaint, filed in the U.S. District Court for the Southern District of New York, Visa leverages the vast number of transactions on its network to impose volume commitments on merchants and their banks, as well as on financial institutions that issue debit cards. That makes it difficult for merchants to use alternatives, such as lower-cost or smaller payment processors, instead of Visa’s payment processing technology, without incurring what DOJ described as “disloyalty penalties” from Visa.

The DOJ said Visa also stifled competition by paying to enter into partnership agreements with potential competitors.

In 2020, the DOJ sued to block the company’s $5.3 billion purchase of financial technology startup Plaid, calling it a monopolistic takeover of a potential competitor to Visa’s ubiquitous payments network. That acquisition was eventually later called off.

Visa previously disclosed the Justice Department was investigating the company in 2021, saying in a regulatory filing it was cooperating with a DOJ investigation into its debit practices.

Since the pandemic, more consumers globally have been shopping online for goods and services, which has translated into more revenue for Visa in the form of fees. Even traditionally cash-heavy businesses like bars, barbers and coffee shops have started accepting credit or debit cards as a form of payment, often via smartphones.

KBW analyst Sanjay Sahrani said in a note to investors that he estimates that U.S. debit revenue is likely at most about 10% of Visa revenue.

“Some subset of that may be lost if there is a financial impact,” he said. Visa’s “U.S. consumer payments business is the slowest growing piece of the aggregate business, and to the extent its contribution is affected, it is likely to have a very limited impact on revenue growth.”

He added the lawsuit could stretch out for years if it isn’t settled and goes to trial.

Visa processed $3.325 trillion in transactions on its network during the quarter ended June 30, up 7.4% from a year earlier. U.S. payments grew by 5.1%, which is faster than U.S. economic growth.

Visa, based in San Francisco, did not immediately have a comment. Visa shares fell $13.53, or 4.7%, to $275.10 in afternoon trading.

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September 24, 2024
College football grades: Ohio State gets ‘B-‘, Missouri stuck with ‘C’ on Week 4 report card

The drudgery of facing weak out-of-conference opposition finally comes to an end next week for teams like Ohio State and Ole Miss after a series of blowout wins for both programs early in the 2024 season. The Buckeyes will open Big Ten play at Michigan State after improving to 3-0 with a 49-14 Week 4 drubbing of Marshall.

Ole Miss will host Kentucky after beating Georgia Southern 52-13. It’s an “all-in” type of season for both the Buckeyes and the Rebels as both teams went hard in the transfer portal to supplement strong returning talent cores. For that reason, we’re grading both on a championship-level curve this season.

Neither team is going to receive an automatic ‘A’ just for a blowout victory. We’re going to hold them to a higher standard. As such, it should be pointed out that Ole Miss and Ohio State finally allowed touchdowns for the first time this season in Week 4. Both starting quarterbacks also threw interceptions.

If it seems like nitpicking, it is. But when you aim to be hoisting trophies, you should welcome the scrutiny and understand that something close to perfection is expected in these buy games against overmatched foes. With that, here are the grades from Week 4 for each team with national title odds of +5000 or better.

Bye weeks: Georgia (+400 ), Alabama (+750 ), Oregon (+950)

Ohio State

Grade: B-
Title odds: +330

Ohio State beat Marshall 49-14. However, the Buckeyes’ final tune-up before the start of Big Ten play wasn’t perfect. The Thundering Herd scored touchdowns on drives of 75 and 65 yards in the first half, and quarterback Will Howard threw his first interception as a Buckeye. A B- might seem harsh, but we’re grading this team on a “national title or bust” scale. Read more from Bucknuts on Ohio State’s secondary needing to tighten up, and more.

Texas

Grade: B+
Title odds: +500
Texas just needs to focus on getting to the Red Rivalry on Oct. 12 in one piece. Hobbled starting quarterback Quinn Ewers got the week off as the Longhorns crushed UL-Monroe 51-3. Backup Arch Manning threw a couple of interceptions but handled the offense fine in his first career start. The defense surrendered only seven first downs. Read more from Horns247 on Texas’ stifling defense, led by Anthony Hill Jr.

Ole Miss

Grade: A-
Title odds: +1200

Ole Miss must be getting bored with this schedule. At least the Rebels finally get an SEC opponent next week as Kentucky comes to town. Even that may not be a challenge at this rate. Following Saturday’s 52-13 win over Georgia Southern, coach Lane Kiffin’s squad has outscored its opponents 220-22.

Tennessee

Grade: B+
Title odds: +1200

Much of Tennessee’s 25-15 win at Oklahoma can be attributed to the Sooners’ ineptitude. OU couldn’t get out of its own way, particularly in the second and third quarters. The Volunteers dominated defensively, but the Sooners were so hapless for such a long stretch of the game that it feels like Tennessee should have won by more.

Miami

Grade: A-
Title odds: +1800

Miami fell behind 15-14 in the second quarter at South Florida before rallying to win 50-15. While that’s impressive on the surface, the Hurricanes fall short of a full ‘A’ due to their lack of success in the traditional run game. Freshman running back Jordan Lyle popped off a 91-yard touchdown run. Otherwise, the offense consisted of star quarterback Cam Ward playing hero ball.

Penn State

Grade: A-
Title odds: +2000

Penn State eventually got around to obliterating Kent State 56-0 behind a 718-67 edge in yards and a 40-6 advantage in first downs. But the Nittany Lions only get an A- since they sputtered a bit out of the gate with an interception and a punt among their three possessions. Kent State is dead last in the CBS Sports Bottom 25. Read more from Lions247, including Tyler Warren emerging as possibly the best tight end in college football.

Clemson

Grade: A
Title odds: +4000

Clemson led 52-7 in the third quarter before taking its foot off the gas in a 59-35 win over NC State. The offensive explosion served as further validation that the Tigers have significantly more juice than originally thought. Six of their first seven drives went for touchdowns, and they were turnover-free in an authoritative win.

Missouri

Grade: C
Title odds: +5000

Missouri needed a missed Vanderbilt field goal in overtime to escape with a 30-27 win after entering as a three-touchdown favorite. The Tigers were gashed repeatedly on the ground by Vandy quarterback Diego Pavia and missed three field goals of their own. After an uninspiring Week 3 win over Boston College, the Tigers are struggling to look the part of a CFP team.

LSU

Grade: C+
Title odds: +5000

LSU let an overmatched UCLA team hang around in Death Valley before pulling away late for a 34-17 win. The Tigers continued to struggle running the football and let the Bruins accumulate a season-high 281 yards passing. If there’s an elite gear inside of these Tigers, they better find it soon. Read more from Geaux247 on LSU’s offense finding a successful recipe.

USC

Grade: C+
Title odds: +5000

USC’s defense actually handled Michigan’s physical rushing attack fairly well on a down-to-down basis during a 27-24 loss at the Big House. But the Trojans were crushed by three 40-plus yard explosive rushes from the Wolverines that kept them from earning another statement victory. Read more from USCFootball.com on how the Trojans should never be beaten by a team with Michigan’s gameplan.

Utah

Grade: B+
Title odds: +5000

Utah went to Oklahoma State without starting quarterback Cam Rising and beat one of the Big 12’s top title contenders 22-19. The Utes led 22-3 late in the fourth quarter before a late rally from the Cowboys made the final score more respectable. It wasn’t beautiful — is it ever with Utah? — but the Utes flexed on their new conference.

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September 22, 2024