credit check – Blog Campcee Tue, 29 Mar 2022 08:47:45 +0000 en-US hourly 1 credit check – Blog Campcee 32 32 Cuentas donates $20,000 to Smile Train as part of social impact collaboration with Miss Universe Tue, 15 Mar 2022 12:04:46 +0000

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Miss Universe 2021, Andrea Meza and Miss Mexico 2021, Debora Hallal have teamed up with mobile banking app and debit card provider Cuentas to enable the donation

MIAMI, FL/ACCESSWIRE/March 15 2022 / Cuentas, Inc. (NASDAQ: CUEN)(NASDAQ: CUENW) (“Cuentas”), a leading financial technology provider of mobile banking and payment solutions, has donated $20,000 to Smile Train as part of of her social sponsorship with the Miss Universe Organization (MUO), Miss Universe 2021, Andrea Meza and Miss Mexico 2021, Debora Hallal.

The two titleholders and the Miss Universe organization ran a social media campaign in December around the 2021 show, to encourage subscribers to download the Cuentas mobile banking and payment app. For each download, Cuentas donated to MUO’s chosen charity. Smile Train, the non-profit and charitable organization that provides corrective surgeries for children with cleft lip and palate, is an important cause and a long-time partner of the Miss Universe Organization. The campaign resulted in a $20,000 donation from Cuentas, which will fund many cleft surgeries.

“At Smile Train, we are committed to ensuring that every child has access to safe, quality cleft care. This generous donation will change the lives of hundreds of people affected by a cleft lip and/or palate 100% free . and comprehensive fissure care,” said Troy Reinhart, Senior Vice President, Smile Train International Development. “Thank you to Cuentas and the Miss Universe Organization for partnering to not only raise funds, but to raise awareness to help advance Smile Train’s vision of supporting the global crack community.”

“The Cuentas team is especially proud to contribute to Smile Train, knowing that every surgery has such a significant and positive impact on children’s lives,” said Cuentas CEO Jeff Johnson. “We are grateful for the collaboration of the Miss Universe Organization, Ms. Andrea Meza and Ms. Debora Hallal in raising awareness to support this contribution.”

“Smile Train has been a long-time partner of the Miss Universe Organization,” said Paula M. Shugart, president of the Miss Universe Organization. “We are thrilled to partner with Cuentas, Andrea and Debora, to continue to shine a light on all the incredible work that Smile Train does, in Mexico and around the world. Promoting causes and organizations like Smile Train is a important part of the foundation of our organization and we hope to continue to work with Cluster for Change to be able to support as many good causes as possible.”

The program was facilitated by Cluster for Change, a social impact activation platform. “Working with a client like Cuentas, our partner the Miss Universe Organization, and a nonprofit like Smile Train is the perfect storm for what social impact media should be,” said Cluster for Founder/CEO. Change, CR Celona. “Brands and creators benefit from engagement; causes get the opportunity to do the work and consumers are the glue that holds it all together.”

Available on the Apple App Store and Google Play Store, the Cuentas app is the convenient mobile banking app that gives consumers access to their money, whenever they want. Cuentas Cardholders can send money to other Cuentas Cardholders at no cost, access exclusive cardholder discounts, and access their money up to two days faster when directly depositing their pay or their government benefit checks.

Anyone 18 or older can download Cuentas app and ask for a card. There is no credit check, background check, or bank account required, and cardholders can register with an Individual Tax Identification Number (ITIN) or Social Security Number (SSN) and the consular matrícula is also accepted as a form of secondary identification. It’s easy to load money to get started, learn more about

About Cuentas

Cuentas, Inc. (NASDAQ: CUEN & CUENW) is a fintech banking and e-commerce provider with proprietary technology that provides digital financial services to underbanked and unbanked Hispanic, Latino, and immigrant populations, including mobile and online banking, prepaid debit, ACH and mobile deposits, remittance, peer-to-peer money transfer and other services. The Cuentas General Purpose Reloadable Card (GPR) includes a digital wallet, discounts for purchases at major physical and online retailers, rewards, and the ability to purchase digital content. For more information, visit

About the Miss Universe Organization

The Miss Universe Organization (MUO) is a global community that empowers women to achieve their goals through experiences that build confidence and create opportunities for success. MISS UNIVERSE The programs provide the 10,000 women who participate each year with an international platform to effect positive change through influential humanitarian and professional efforts. Nominees and title holders are leaders and role models in their communities, develop personal and professional goals, and inspire others to do the same. The Miss Universe organization is an IMG company. To learn more, visit

About Cluster for Change

Cluster, a social impact app and impact creation agency, puts brands at the center of cause-based marketing campaigns. We turn words into action by co-hosting real events with brands that give back. This all works together to create greater brand affinity with measurable brand engagement. Cluster also has a venture capital studio that backs or builds lasting brands for a generation hungry for change. A better future starts with hello. Find Cluster online:




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This press release contains “forward-looking statements”, as that term is defined in Section 27a of the United States Securities Act of 1933, as amended, and Section 21e of the United States Securities Exchange Act of 1934, as amended. Statements in this press release, which are not purely historical, are forward-looking statements and include all statements regarding beliefs, plans, expectations or intentions regarding the future. Except for historical information presented herein, the matters discussed in this press release contain forward-looking statements that are subject to certain risks and uncertainties that could cause actual results to differ materially from any future results, performance or achievements expressed or implied by these statements. Statements that are not historical facts, including statements that are preceded, followed or that include words such as “believe”, “plan” or “expect” or similar statements, are forward-looking statements.

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Cuentas, Inc.
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T-Mobile Launches Transformative 5G Home Internet On The Metro Through T-Mobile Stores Nationwide Thu, 10 Mar 2022 14:00:00 +0000

The Un-carrier is the first to bring prepaid fixed wireless broadband to millions of customers, further expanding choice and competition in an industry that badly needs it.

BELLEVUE, Washington, March 10, 2022–(BUSINESS WIRE)–T-Mobile (NASDAQ: TMUS) is launching its groundbreaking 5G Home Internet service for Metro by T-Mobile customers in more than 7,000 Metro stores nationwide. The move makes Un-carrier the first to launch a fixed wireless home broadband service for prepaid customers, with no credit check and no annual contract. Metro by T-Mobile customers with an eligible address can now sign up for prepaid 5G home internet for just $50/month and a one-time gateway purchase, through their local Metro by T-Mobile retail store.

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T-Mobile launches transformative 5G home internet on the subway through T-Mobile stores nationwide. The Un-carrier is the first to bring prepaid fixed wireless broadband to millions of customers, further expanding choice and competition in an industry that badly needs it. (Graphic: Business Wire)

“We are once again bringing more choice and competition to the broadband industry, this time for our Metro by T-Mobile customers. Families across the country desperately need a new choice in home Internet,” said Jon Freier, President of T-Mobile’s Consumer Group. “In 2022, reliable broadband at home isn’t a luxury, it’s a necessity. So we’re doing our part to make broadband more accessible everywhere, with the power of our 5G network.”

About T-Mobile Home Internet for Metro by T-Mobile

T-Mobile Home Internet for Metro is no-BS home internet access for just $50/month. It’s fast, reliable, prepaid home broadband that runs on T-Mobile’s breakthrough 5G network. Metro by T-Mobile customers with an eligible address and one or more voice lines can now get:

  • Home Internet for a fixed price – it’s $50/month, with Autopay, plus a $99 one-time payment for the 5G gateway.

  • That’s it.

  • No annual contract, no data limit, no activation fee and no credit check.

  • Easy self-installation – forget about waiting for an installation. Simply plug in the gateway, download the app and you’re connected in less than 15 minutes.

  • Speeds that let you work, play, stream, chat, game and more.

  • A dedicated support team that’s just a call or a message away.

T-Mobile Home Internet Access

In most homes today, the internet is an absolute necessity. We rely on the Internet at home for work, school, entertainment, and to stay in touch with our loved ones. And yet, today, more than 40 million people in the United States do not have access to broadband at home at all. And almost 15% of American households have only one choice. This climbs to almost 35% in rural areas. This lack of competition means that millions of people are forced to do business with traditional BS ISPs. Yearly contracts, price hikes, data caps, complicated setup, extra monthly charges – you never know what old-fashioned tactic you’ll get from landline ISPs. It’s no wonder ISPs rank last in customer satisfaction according to ACSI.

But T-Mobile Home Internet is different. Fueled by the same customer-centric Un-carrier spirit that changed the wireless industry for the better, T-Mobile launched its nationwide 5G home internet service in 2021. And now, Un-carrier is launching fixed wireless for Metro by T-Mobile, too. 5G Home Internet for Metro has no hidden fees, no explosive promotions, and no annual contracts like many traditional ISPs. And because T-Mobile’s 5G network can deliver capacity and speeds fast enough to replace home broadband directly in millions of homes, you can get connected without complicated setup.

T-Mobile 5G Home Internet is currently available in more than 30 million homes nationwide, for prepaid and postpaid customers. And access has recently expanded across the South-East, Texas, Indiana, Kentucky and Ohio. Availability is based on network capacity, which is constantly increasing. To see if Home Internet is available for your home, visit your local Metro by T-Mobile store.

During congestion, Home Internet and Home Internet for Metro customers may experience slower speeds than other customers due to data prioritization. Available to many homes in most US cities. For use only with T-Mobile Gateway for home use at the location provided during activation. Gateway sold separately with Home Internet for Metro; cannot be unlocked for use on other networks. Credit approval required for Postpaid Home Internet. Automatic payment: $5/month. the discount may not be reflected on the 1st invoice. Regulatory fees included in the monthly service price for eligible accounts. If you are canceling postpaid Home Internet service (gateway included), return the gateway or pay up to $370.

About T-Mobile

T-Mobile US Inc. (NASDAQ: TMUS) is America’s supercharged carrier, delivering an advanced 4G LTE and transformative nationwide 5G network that will deliver reliable connectivity for everyone. T-Mobile customers benefit from its unmatched combination of value and quality, its unwavering obsession with providing them with the best possible service experience, and its unquestionable drive for disruption that creates competition and innovation in the wireless. thread and beyond. Headquartered in Bellevue, Washington, T-Mobile provides services through its subsidiaries and operates its flagship brands, T-Mobile, Metro by T-Mobile and Sprint. For more information, please visit:

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Loans as low as $1,000 Thu, 10 Mar 2022 04:00:34 +0000

Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.

Even if you’re married to your favorite credit card, you may find that there are times when it just doesn’t make sense to use it. For one thing, your credit limit may not be enough to cover a very large expense like a home renovation or a wedding. Also, credit cards usually carry high interest rates. These are areas where personal loans have the upper hand.

Personal loans have become a popular option for covering a variety of major expenses, such as home renovations, weddings, unexpected expenses, funerals and more. And in some cases, it may actually be more affordable to use a personal loan than to use a credit card, since personal loans are known for their relatively low interest rates.

There are many personal lenders out there, so it can sometimes be difficult to determine what each loan offers, but there are a few highlights to look out for. Avoiding prepayment charges and origination fees can help you save money on the cost of borrowing so that it can work in your favor to seek out a lender who does not bear these charges, such as loans PNC Bank staff.

Of course, however, you should always do additional research before applying for any financial product and ensure that you are comfortable with the terms of that product before signing on the dotted line.

To help, Select has reviewed PNC Bank’s APR, benefits, fees, loan amounts, and terms. (Learn more about our methodology below.) Read on to find out if PNC Bank is the right lender for you.

PNC Bank Personal Loan Review

PNC Bank Personal Loans

  • Annual Percentage Rate (APR)

    5.99% to 28.74% APR (0.25% APR discount when you sign up for autopay)

  • Purpose of the loan

    Debt consolidation, home improvement, wedding, moving and moving or vacation

  • Loan amounts

  • terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

    10% of payment or $40, whichever is greater


  • No setup fees, no prepayment fees
  • Fixed rate APR
  • Flexible repayment terms
  • Loan amounts start at $1,000
  • No collateral needed

The inconvenients

  • Late payment fee invoice
  • Not the fastest funding (may take up to 10 business days)
  • Rates and conditions may vary depending on your postal code


APRs typically range from 5.99% to 28.74% for PNC Bank personal loans, but a more specific rate range (as well as other terms) will depend on your location and, of course, factors such as credit rating and amount of money needed. Prospective borrowers are encouraged to verify the rate range for their location by entering their zip code on the PNC Bank personal loan website.

Like many other personal lenders, PNC Bank offers a small discount on the interest rate for making payments automatically through a PNC Bank checking account (borrowers can receive a 0.25% discount for signing up so that their payments are automatically applied to your balance).

Personal loans from this lender also carry fixed interest rates that will not fluctuate over the life of your loan. Also keep in mind that generally the higher your credit score, the lower your interest rate is likely to be. PNC Bank does not disclose the exact minimum credit score required to qualify for its personal loan products.


There is some flexibility regarding your loan repayment schedule; borrowers can choose loan terms of up to 60 months.

And, as we mentioned above, if you already have a checking account at PNC Bank and use it to make your monthly payments automatically, you can qualify for an interest rate reduction of 0 .25%.


PNC Bank does not charge an application fee or origination fee, and there are no prepayment penalties for making additional payments to pay off your loan early.

However, there are late fees. Borrowers will be charged 10% of the payment or $40, whichever is greater, if a late payment is made.

And as with any other loan or credit product, it’s important to keep in mind that failure to pay in full on time may result in the lender notifying a credit reporting agency, which may affect your credit score.

Amount of the loan

Loan amounts range from $1,000 to $35,000, making this lender an attractive option for those looking to borrow small amounts of money (personal lenders can offer up to $100,000). Keep in mind, however, that not all applicants will qualify for the maximum loan amount. Qualification can usually depend on factors such as your creditworthiness.

And while PNC Bank personal loans can be used for a variety of expenses — including debt consolidation, home renovation, wedding, moving, or even vacation — there are some things you can’t use for. this loan. Prohibited uses include post-secondary education expenses, student loan debt refinancing, or any unlawful purpose.

Mandate’s duration

Candidates have a range of term lengths of up to 60 months.

At the end of the line

PNC Bank personal loans are a solid option for those who want to avoid origination fees and prepayment penalties. Although you don’t need to be an existing customer to apply for the loan, the biggest benefit is for those who set up automatic monthly payments through an existing PNC Bank checking account – you will receive an interest rate by 0.25%.

Since personal loan products may vary by location, your actual interest rate range and other terms may depend on your zip code. So you will have to check this before applying for this loan.

If you’re not comfortable with the terms you receive and are looking for slightly lower interest rates, check out LightStream Personal Loans, which offers APRs as low as 2.99% and an APR deduction of 0 .25% to automatically pay your bill each month.

Our methodology

To determine which personal loans are best, Select analyzed dozens of US personal loans offered by online and brick-and-mortar banks, including major credit unions, that have no origination or enrollment fees, from APRs to fixed rate and flexible loan amounts. and terms tailored to a range of financing needs.

When selecting and ranking the best personal loans, we focused on the following characteristics:

  • No creation or registration fees: None of the lenders on our top list charge borrowers an upfront fee for processing your loan.
  • Fixed APR: Variable rates can go up and down over the life of your loan. With a fixed-rate APR, you fix an interest rate for the life of the loan, which means your monthly payment won’t vary, making it easier to plan your budget.
  • Flexible minimum and maximum loan amounts/terms: Each lender offers a variety of financing options that you can customize based on your monthly budget and how long you need to pay off your loan.
  • No prepayment penalties: The lenders on our list do not charge borrowers for prepaying loans.
  • Simplified application process: We looked at whether lenders offered same-day approval decisions and a fast online application process.
  • Customer service: Every loan on our list offers customer service available by phone, email or secure online messaging. We have also opted for lenders that have a resource center or an online advice center to help you learn about the personal loan process and your finances.
  • Disbursement of funds: The loans on our list provide funds quickly by electronic transfer to your checking account or in the form of a paper check. Some lenders (which we have noted) offer the option of paying your creditors directly.
  • Automatic payment discounts: We’ve noted lenders who reward you for signing up for autopay by reducing your APR by 0.25% to 0.5%.
  • Creditor Payment Limits and Loan Sizes: The lenders above offer loans of varying sizes, ranging from $500 to $100,000. Each lender advertises their respective payment limits and loan amounts, and completing a pre-approval process can give you an idea of ​​what your interest rate and monthly payment would be for such an amount.

After reviewing the features above, we’ve sorted our recommendations based on overall financing needs, debt consolidation and refinance, small loans, and overnight financing.

Note that advertised rates and fee structures for personal loans are subject to fluctuation in accordance with the Fed rate. However, once you have accepted your loan agreement, a fixed rate APR will guarantee the interest rate and the monthly payment will remain constant for the duration of the loan. Your APR, monthly payment, and loan amount depend on your credit history and creditworthiness. To take out a loan, lenders will do a credit check and ask for a full application, which may require proof of income, identity verification, proof of address and more.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff only and have not been reviewed, endorsed or otherwise endorsed by any third party.

How an installment loan can affect your credit score Sat, 05 Mar 2022 18:30:57 +0000

NEW YORK – March 5, 2022 – (

iQuanti: Installment loans allow you to borrow money at a fixed interest rate and pay it back in fixed monthly installments of principal and interest. You can use them for a variety of purposes, such as refinancing debt, financing a home improvement, or building an emergency fund quickly.

If you’re working on building or repairing your credit, knowing how these types of loans can improve or hurt your credit score is essential. Let’s take a closer look at how an installment loan can affect your credit.

1. Applying for a loan can hurt your credit score slightly

When you apply for an installment loan, some lenders will do a thorough investigation, which means they will formally review your credit score and background. These challenging surveys damage your score a bit. However, as you increase your score over time, Serious Inquiries do less damage each time you get one. In addition, serious inquiries disappear from your credit file after two years. When they fall, your credit score may rise.

Although it may be difficult to find installment loans without credit check, many lenders will only conduct an informal inquiry during the approval decision process. Soft credit checks will not affect your credit score and will only be visible to you.

4. Making payments on time can boost your score

Two of the main factors used to calculate your score are your payment history and the length of your credit history. For this reason, making payments on time each month can add up significantly when it comes to improving your score. Likewise, missing payments can hurt your score, so try to make all your payments on time.

2. Adding the loan to your credit mix can improve your score

Your credit composition is an important factor in determining your credit score. It looks at the number of credit accounts you have opened and their diversity. By taking out an installment loan, you increase the number and diversity of your credit accounts, which can help boost your score quite quickly.

3. Paying off credit cards with the loan can improve your score

Credit utilization is another factor used to calculate your credit score. It measures the amount you borrow on your revolving credit accounts (credit cards and lines of credit) against your credit limits on those accounts. So if you get an installment loan to pay off your credit card balance, you could improve your score by reducing your credit usage.

The bottom line

Installment loans can impact your credit in several ways. The first thorough investigation hurts your score slightly, but you can easily make up for that damage by making timely monthly payments. Plus, adding the loan to your credit mix and using it to reduce credit card debt could provide another credit boost. Overall, be sure to only borrow what you can afford to repay to reap the benefits of installment loans.

Notice: The information provided in this article is provided for guidance only. Consult your financial advisor about your financial situation.

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How an installment loan can affect your credit score

How does Buy Now Pay Later (BNPL) work for businesses? Fri, 04 Mar 2022 10:54:45 +0000

To attract a wider range of customers, many owners of retail businesses with point-of-sale systems are adopting a Buy Now, Pay Later (BNPL) payment model. The BNPL method has evolved largely due to changes caused by COVID-19 and the increase we have seen in online shopping.

So what is BNPL for business and how can it help you accelerate your profits? We explore the answers to this question to help you get started and attract a new type of customer.

What is buy now, pay later? BNPL Definition

According to the latest figures from merchant services giant Worldpay, as noted by, “BNPL is now the fastest growing online payment method – accounting for more than 5% of all This has seen the size of the BNPL market triple in 2020, with 5 million people using BNPL since the start of the pandemic.

This payment method allows consumers to spread the cost of paying for their goods and services, usually over a six-week period, into four equal installments. The repayment period and the amount of the installments may vary.

At first glance, it looks like a layaway or just using a credit card. So what’s the difference? Well, one big difference is that many BNPL options are interest-free. Another point to note is that the retailer requires the consumer to select a payment option in advance, for example, six payments by a certain date, pre-determined with the purchase.