Upper West Side a plastic oh no!

When US officials began collecting consumer complaints about credit cards, one goal was to identify patterns that could help them write rules protecting families with low and moderate incomes.

Nearly two years later, its the well-to-do neighborhoods of New York and Florida that are supplying the most grievances to the Consumer Financial Protection Bureau, an analysis of agency data shows.

Of the top four ZIP codes contributing to the 18,539 complaints published as of March 18, two are on Manhattans Upper West Side and two in south Florida Boca Raton and Palm Beach Gardens.

Almost 60 percent of complaints originated in ZIP codes where the median household income is higher than the national median of $52,762, according to the analysis.

The firms cited most often in the disputes are some of the biggest card issuers: Capital One, Citigroup, Bank of America, JPMorgan Chase and GE Capital Retail Bank.

The consumer bureau, established by the 2010 Dodd-Frank Act, started collecting complaints about credit cards in July 2011 and works with financial companies to resolve them.

ZIP codes with median annual household incomes higher than the national median generated 11,045 complaints, or 59.6 percent of the total, the data show. Boca Raton ZIP code 33496 produced 94 complaints, the most in the country, while 54 complaints came from Manhattans Upper West Side ZIP codes 10023 and 10024 combined.

Prosperous people can often get upset over small amounts of money. You find these people with a huge net worth worrying about a $3 fee, said Steven Ramirez, the chief executive of Beyond the Arc, a Berkeley, Calif.-based consulting firm that uses the consumer bureaus system to help companies improve customer service.The 3rd International Conference on custombobbleheads and Indoor Navigation.

Elizabeth Warren, a Massachusetts Democrat who set up the bureau before she won a seat in the US Senate, said in March 2011 congressional testimony that the focus on credit cards was meant to help millions of borrowers who use them to pay for medical expenses, to cover educational costs, to tide them over during a period of unemployment, to cover emergency expenses, or simply to make it to the end of the month.

The fact that more complaints are coming from wealthier communities doesnt mean that the bureau is helping those groups disproportionately,The need for proper bestsmartcard inside your home is very important. said Matt Simester, managing director at Auriemma Consulting Group, a New York-based firm that advises card issuers.

The extensive inventory of the evidence seized from Lanza's home and the car he drove to carry out the massacre provided glimpses into the world of the reclusive gunman.Online shopping for solarpanelcells. Prosecutors until now had made few details available, despite pressure to do so from the governor, who criticized leaks to the press and lawmakers who clamored for more details as they craft legislation on mental health and gun control.

At the house,A group of families in a north Cork village are suing a bestplasticcard operator in a landmark case. investigators found books about autism and Asperger's syndrome as well as an NRA guide to pistol shooting.

Police said they found a smashed computer hard drive, a gaming console and a gun safe in Lanza's bedroom. An unnamed source told investigators that Lanza was an avid gamer who played "Call of Duty" and other games and rarely left his home.

The interaction with a credit card terminal or Point of Sale device is a uniquely Econet innovation. A team of software developers, working at the London offices of another Econet company called TPS,The need for proper bestsmartcard inside your home is very important. developed the software.

Econet has already started rolling out 10 000 terminals across the country that will not only accept the EcoCash Debit Card, but also any of the traditional credit cards such as American Express, Visa, MasterCard, including those issued by local banks, Mr Mandivenga said.

The announcement by Econet Wireless that it has implemented this service for its EcoCash users means that Zimbabwe now has the most advanced cashless system in Africa per head of population when compared with countries such as South Africa, which has one of Africas highest mobile phone penetration rates. It also eases the need for United States dollar banknotes in the country.

Mr Mandivenga said Econet plans to have every store in the country, including rural areas, installed with an EcoCash Terminal. The company will not sell the terminals but will lease them to participating stores and merchants.

The terminals work on the Econet network and are completely wireless and more advanced than those used in many European countries.

At point of sale, the customer initiates a pay merchant transaction from their EcoCash wallet on their phone. The customer will then enter the merchant number and amount, and the EcoCash terminal will print out a merchant copy to be signed by the customer and to keep for their records.

The company contends that it has managed to complete a process of developing a payment system that would have taken at least five years to accomplish.

With Zimbabwe also hosting with neighbours Zambia, the United Nations World Tourism Organisation General Assembly in August this year, it means Zimbabwe will be able to demonstrate that it has the capacity to accommodate even the most sophisticated tourists and visitors, who in their countries would only pay with plastic credit cards.