Set a travel plan

Vacation time is approaching and you plan to spend time away from home, maybe in a different country. Banks and credit card accounts let you set a travel plan, to add an extra protection on your debit and credit cards.

How does it work?

Login to your bank or credit card account and look for the option to set a travel plan. Enter the state or country and the dates you will be away, so you let your bank know where you will be using your debit or card card while on vacation.

Why should you set a travel plan in your bank or credit card account?

Set a travel plan for protection and less worries. Additionally, your debit/credit card settings may require your bank or your credit card provider to verify any transactions processed outside of your area for security purposes. If your bank doesn’t know you’re away, you may experience declines or delays on processing your transactions and that can become frustrating. For example, you are at the store in a state or country away from home, and your card payment doesn’t go through because your bank needs to verify that it is you using your card. So, your payment is declined. That can be frustrating and not a pleasing experience, when you’re trying to enjoy your vacation time.

Wells Fargo offers the travel plan option

Before your trip, visit the following links on the Wells Fargo website:
•    Visit our Travel Tips and Tools page to learn how Wells Fargo can help before, during, and after travel.
•    Verify your card is ready for use while traveling; visit Card Controls in Control Tower® and check your card controls.


For all your credit repair needs, call us 702.541.8215

Credit card processing for small businesses

Accepting credit and debit card payments is one of the first tasks for starting a small business. There are several credit card processing options to choose from. If you start your small business and your sales are $5000 or less a month and the average transaction is $100 or more, you will find out that a merchant service aggregator, such as Square, Stripe, PayPal, will cost you less in processing fees than signing up for a merchant account.

It is also convenient for a small, startup business to have a simple per transaction credit card processing charge then having to pay monthly processing and gateway fees, on top of the per-transaction or bankcard discount fees.

If your average transaction is around $10 – $20, then you should probably sign up for a merchant account. If you don’t want where to start, call your small business bank and they can provide useful information.

An individual credit report will be completed before the business will be approved for the merchant account.

If you need to improve your credit score before applying for a merchant account for your business, call Fast Credit Solutions for an initial account review.

Building Credit for High-school Graduates

If you graduated high-school recently and want to start building credit in your own name and gain financial independence, applying for a credit card could be a starting point.

What building credit can do for you
Building a credit history can help give you more financial freedom and choices down the road – and possibly lower your interest rates on future purchases, like a car or a home loan.

Use your credit card wisely
Your credit history reflects your ability to use credit responsibly. It’s important to charge only what you can afford, stay within your credit limit, pay more than the minimum monthly payment, and always pay on time.