Virtual Credit Card | Benefits | VCC facility

Virtual Credit Card – Virtual Credit Card (VCC) is a unique online payment solution with complete online security while shopping on the internet. It is one-time usable virtual credit/debit card with a preloaded amount and valid for a specified time period as required by the user. Virtual Credit Cards do not have a plastic existence and are created to be purely used online.sssss
Ajay is a 30 years old guy who is working for a MNC company. Due to his busy schedule Ajay seldom gets time to go and personally pay his mobile bill and other utility bills. Therefore he prefers paying all his bills online with his credit card. Ajay has been doing this for the last few months and finds paying bills through his credit card hassle free. Ajay has recently started doing lot of online shopping for things like buying books, apparels, consumer goods. One day he got an email from an unauthentic website mentioning that he will get 70% discount for online shopping on their website. Ajay does not check the authenticity of the website and gets excited and clicks on the link in the email and is redirected to the website. Ajay selects the purchase items of his choice and enters his credit card details like card number, expiry date and CVV number. Ajay is eagerly waiting for the delivery of his products. Little that he knew that if was a fraud website. The products never arrived. But when the credit card statement arrived Ajay got a shock of his life. His credit card statement showed additional transactions of Rs. 30,000 which he had never done.
Now why did such a tragedy happen to Ajay? The reason is very simple, his credit card details were misused by a fraudster for his own benefit.
Like Ajay we all use our credit cards and debit cards in lot of online transactions and are vulnerable to our card details being exposed online. So is there any way that Ajay and we can avoid such risk?
The answer to the above question is YES. This can be avoided by the use of virtual credit card facility (VCC) offered by some banks.
What is a Virtual Credit Card?
Virtual Credit Card (VCC) is a unique online payment solution with complete online security while shopping on the internet. It is one-time usable virtual credit/debit card with a preloaded amount and valid for a specified time period as required by the user. Virtual Credit Cards do not have a plastic existence and are created to be purely used online.
Many banks like HDFC Bank, Axis Bank, ICICI Bank, Kotak Mahindra Bank and some other banks offer this facility to their credit card and debit card holders.
In this article we will discuss the VCC facility offered by HDFC Bank in detail. Lets us assume that Ajay is a credit card holder of HDFC Bank. Let us see how he can generate unlimited VCCs for making bill payments online.
He must log on to the homepage of HDFC Bank and select “NetSafe/ Verified by Visa / MasterCard SecureCode”. By selecting Netsafe option a pop up window will open where he can register his credit card with NetSafe. Registration is required only once at the time of generating the first VCC. For subsequent VCCs the user can login and start generating the VCC.
Once Ajay has registered he needs to login to his account. After login he will see the following screen giving the option to create a VCC. Ajay can create a VCC by entering the amount in the Limit and then select GO. This will generate a VCC which has a different card number, CVV and expiry date than the original card. These credentials can then be used to make online payment by Ajay. A VCC can be used for any online transaction on any website wherever the original card will be accepted. A VCC card will look as follows:
The above VCC can be used only one for a transaction not exceeding Rs. 1. Similar VCCs can be generated for different one time use amounts subject to the amount not exceeding the total unutilised limit of the card. Please note that in a VCC the 16 digit card number, CVV number and the expiry date are different from the original card number, original CVV number and the original expiry date on the card. So even if someone gets the details of your used VCC, still it will serve no purpose to that person as VCCs are valid only for one time use. Also VCCs are valid only for limited time of 1 day or 2 days or any other time specified by the card owner at the time of generating the VCC. If the VCC is not used within that time period then the VCC expires and the amount is added back to the balance of your original card.
Like Ajay you can use this virtual card number at any online merchant site and complete your shopping with security and ease. Also you may set a limit to the VCC for transacting online.
The VCC is not a normal credit card. Unlike credit card you will not be granted money on credit for online payments and neither can you put it in your pocket and walk for shopping as it is a virtual card. Infact it is very similar to a prepaid card where user needs to first generate the virtual card online and deposit fund into the card before it can be used for one time online purchase.
Another distinguishing feature of VCC is that it is issued anonymously (unlike credit/debit card which are usually issued in the name of individual account holder).
Key benefits
• Virtual credit card is for one time use only.
• VCC number should be normally used within 24 hour after generation of number.
• You can set your own limit for the VCC you generate subject to the unutilised limit on your actual credit card.
• You can use it on any merchant website that accepts Master Card / VISA payment cards.
• All purchases you make with VCC will appear on your statement, just like any other transaction.

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Change Your Current Car Insurance into Cheap Insurance

Most bills get new car theft. Some are automatic and some have started by simply pressing a button, but usually get discounts on car insurance. Also, some states offer extra discount such things as window sketching. Ask for the number of cars Discount: Did you know that sometimes insurance two cars may have the same price as an insurance? If this is not the same price, another car insurance is usually not as much as you might think. If you have two cars, it's very wise to check with your insurance agent, or even buy online insurance quote, make sure that the discount on auto insurance. In addition, if you are going to sell the second car, the cheap auto insurance trick is to keep the vehicle only responsible for the number of parking discount.

Sometimes people are surprised when they say your car insurance company that the auto insurance business, only to find that their price will not go down, but maybe more! Stick to the rules each year: an annual selection policy may be extended auto insurance savings. Purchases of annual policy instead of the six-month policy that you rate that can change in vs. changes every six months.

More information about Comprehensive Coverage of objects: If you intend to defer your car at any time, you can save your auto insurance comprehensive leadership course during storage. Since the car would be stored, it is very unlikely to have collision or liability coverage. Re-Check Your Mileage: This is a great way to get cheap auto insurance: If you are really close to the "miles to work" break-off, you can check the status of mileage carefully. When auto insurance company or insurance agent asks: "How many miles you drive to work in the opposite direction?" This is an important issue to be determined by specific categories.

Each category can be substantial price differences. Search Group discount: Many companies offer a discount auto insurance, which some affiliates. These can range from cooperative banks, college sororities, or just with a credit card. Call and ask them to list organizational orientation. Lower liability, comprehensive, collision and medical payments Events: Of course, count the basic coverage, but it can only give cheap insurance you need is right!. Comprehensive and collision are probably the first to see reduced by increasing participation of auto insurance. Most of the vehicles, which are bank loans may be deductible up to $ 1,000.

It could also reduce liability and medical aid payments, but only if you have problems paying fees and is not recommended for general savings. Make a bank transfer payment: Many car insurance companies are now charging up to $ 5.00 or more e-mail payments, but sometimes nothing if you want your payments deducted automatically. And sometimes the deductions can enter a credit card, so you do not have to worry whether the money in your account when payment time coitus

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Cotton is a soft, fluffy staple fiber that grows in a boll, or protective capsule, around the seeds of cotton plants of the genus Gossypium. The plant is a shrub native to tropical and subtropical regions around the world, including the Americas, Africa, India, and Pakistan. The fiber most often is spun into yarn or thread and used to make a soft, breathable textile, which is the most widely used natural-fiber cloth in clothing today. The English name derives from the Arabic which began to be used circa 1400.The botanical purpose of cotton fiber is to aid in seed dispersal.
HISTORY OF COTTON
According to the Foods and Nutrition Encyclopedia, the earliest cultivation of cotton discovered thus far in the Americas occurred in Mexico, some 8,000 years ago. The indigenous species was, which is today the most widely planted species of cotton in the world, constituting about 89.9% of all production worldwide. The greatest diversity of wild cotton species is found in Mexico, followed by Australia and Africa.
Cotton was first cultivated in the Old World 7,000 years ago (5th millennium BC4th millennium BC, by the inhabitants of the Indus Valley Civilization, which covered a huge swath of the northwestern part of the Indian subcontinent, comprising today parts of eastern Pakistan and northwestern India. The Indus cotton industry was well developed and some methods used in cotton spinning and fabrication continued to be used until the modern industrialization of India. Well before the Common Era, the use of cotton textiles had spread from India to the Mediterranean and beyond.
Greeks and the Arabs were apparently ignorant about cotton until the Wars of Alexander the Great, as his contemporary Megasthenes told Seleucus I Nicator of "there being trees on which wool grows" in "Indica".
According to The Columbia Encyclopedia, Sixth Edition:
"Cotton has been spun, woven, and dyed since prehistoric times. It clothed the people of ancient India, Egypt, and China. Hundreds of years before the Christian era, cotton textiles were woven in India with matchless skill, and their use spread to the Mediterranean countries. In the first century, Arab traders brought fine muslin and calico to Italy and Spain. The Moors introduced the cultivation of cotton into Spain in the 9th century. Fustians and dimities were woven there and in the 14th century in Venice and Milan, at first with a linen warp. Little cotton cloth was imported to England before the 15th century, although small amounts were obtained chiefly for candlewicks. By the 17th century, the East India Company was bringing rare fabrics from India. Native Americans skillfully spun and wove cotton into fine garments and dyed tapestries. Cotton fabrics found in Peruvian tombs are said to belong to a pre-Inca culture."
In Iran, the history of cotton dates back to the Achaemenid era (5th century B.C.); however, there are few sources about the planting of cotton in pre-Islamic Iran. The planting of cotton was common in Merv, Ray and Pars of Iran. In the poems of Persian poets, especially Ferdowsi's Shahname, there are many references to cotton ("panbe" in Persian). Marco Polo (13th century) refers to the major products of Persia, including cotton. John Chardin, a famous French traveler of 17th century, who had visited the Safavid Persia, has approved the vast cotton farms of Persia.
In Peru, cultivation of the indigenous cotton species Gossypium barbadense was the backbone of the development of coastal cultures, such as the Norte Chico, Moche and Nazca. Cotton was grown upriver, made into nets and traded with fishing villages along the coast for large supplies of fish. The Spanish who came to Mexico in the early 16th century found the people growing cotton and wearing clothing made of it.
During the late medieval period, cotton became known as an imported fiber in northern Europe, without any knowledge of how it was derived, other than that it was a plant; noting its similarities to wool, people in the region could only imagine that cotton must be produced by plant-borne sheep. John Mandeville, writing in 1350, stated as fact the now-preposterous belief: "There grew there [India] a wonderful tree which bore tiny lambs on the endes of its branches. These branches were so pliable that they bent down to allow the lambs to feed when they are hungrie ." This aspect is retained in the name for cotton in many European languages, such as German Baumwolle, which translates as "tree wool" By the end of the 16th century, cotton was cultivated throughout the warmer regions in Asia and the Americas.

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Cotton is a soft, fluffy staple fiber that grows in a boll, or protective capsule, around the seeds of cotton plants of the genus Gossypium. The plant is a shrub native to tropical and subtropical regions around the world, including the Americas, Africa, India, and Pakistan. The fiber most often is spun into yarn or thread and used to make a soft, breathable textile, which is the most widely used natural-fiber cloth in clothing today. The English name derives from the Arabic which began to be used circa 1400.The botanical purpose of cotton fiber is to aid in seed dispersal.
HISTORY OF COTTON
According to the Foods and Nutrition Encyclopedia, the earliest cultivation of cotton discovered thus far in the Americas occurred in Mexico, some 8,000 years ago. The indigenous species was, which is today the most widely planted species of cotton in the world, constituting about 89.9% of all production worldwide. The greatest diversity of wild cotton species is found in Mexico, followed by Australia and Africa.
Cotton was first cultivated in the Old World 7,000 years ago (5th millennium BC4th millennium BC, by the inhabitants of the Indus Valley Civilization, which covered a huge swath of the northwestern part of the Indian subcontinent, comprising today parts of eastern Pakistan and northwestern India. The Indus cotton industry was well developed and some methods used in cotton spinning and fabrication continued to be used until the modern industrialization of India. Well before the Common Era, the use of cotton textiles had spread from India to the Mediterranean and beyond.
Greeks and the Arabs were apparently ignorant about cotton until the Wars of Alexander the Great, as his contemporary Megasthenes told Seleucus I Nicator of "there being trees on which wool grows" in "Indica".
According to The Columbia Encyclopedia, Sixth Edition:
"Cotton has been spun, woven, and dyed since prehistoric times. It clothed the people of ancient India, Egypt, and China. Hundreds of years before the Christian era, cotton textiles were woven in India with matchless skill, and their use spread to the Mediterranean countries. In the first century, Arab traders brought fine muslin and calico to Italy and Spain. The Moors introduced the cultivation of cotton into Spain in the 9th century. Fustians and dimities were woven there and in the 14th century in Venice and Milan, at first with a linen warp. Little cotton cloth was imported to England before the 15th century, although small amounts were obtained chiefly for candlewicks. By the 17th century, the East India Company was bringing rare fabrics from India. Native Americans skillfully spun and wove cotton into fine garments and dyed tapestries. Cotton fabrics found in Peruvian tombs are said to belong to a pre-Inca culture."
In Iran, the history of cotton dates back to the Achaemenid era (5th century B.C.); however, there are few sources about the planting of cotton in pre-Islamic Iran. The planting of cotton was common in Merv, Ray and Pars of Iran. In the poems of Persian poets, especially Ferdowsi's Shahname, there are many references to cotton ("panbe" in Persian). Marco Polo (13th century) refers to the major products of Persia, including cotton. John Chardin, a famous French traveler of 17th century, who had visited the Safavid Persia, has approved the vast cotton farms of Persia.
In Peru, cultivation of the indigenous cotton species Gossypium barbadense was the backbone of the development of coastal cultures, such as the Norte Chico, Moche and Nazca. Cotton was grown upriver, made into nets and traded with fishing villages along the coast for large supplies of fish. The Spanish who came to Mexico in the early 16th century found the people growing cotton and wearing clothing made of it.
During the late medieval period, cotton became known as an imported fiber in northern Europe, without any knowledge of how it was derived, other than that it was a plant; noting its similarities to wool, people in the region could only imagine that cotton must be produced by plant-borne sheep. John Mandeville, writing in 1350, stated as fact the now-preposterous belief: "There grew there [India] a wonderful tree which bore tiny lambs on the endes of its branches. These branches were so pliable that they bent down to allow the lambs to feed when they are hungrie ." This aspect is retained in the name for cotton in many European languages, such as German Baumwolle, which translates as "tree wool" By the end of the 16th century, cotton was cultivated throughout the warmer regions in Asia and the Americas.

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