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This Is How Americans Paid For That Record Holiday Spending: Credit Card Debt Exploded In December

zerohedge News this americans paid that record holiday spending credit card debt exploded december All https://www.zerohedge.com   Discuss    Share
This Is How Americans Paid For That Record Holiday Spending: Credit Card Debt Exploded In December

There was something strange in last month's consumer credit data from the Federal Reserve: at a time when Americans were getting ready to unleash a record holiday spending spree, revolving, i.e., credit card debt actually contract the most since March, which meant that either Americans were saving a whole lot more or their hourly incomes had soared higher. And since

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neither of these had happened, it wasn't clear just how US consumers entered the last month of the year with the first November decline in revolving debt since 2013.



In fact, as we concluded our January post on consumer credit, "considering the strong end to the year for retail sales, especially online, we assume this was a one-off event, and in December any credit card "shrinkage" was more than offset with aggressive year-end "charging." If not, then the US consumer may indeed be reaching the limits of their debt-funded spending euphoria."



Well, we were right again: the answer was revealed on Friday afternoon when the Fed reported the consumer credit change for the last month of 2019, and of the decade... and it was a doozy.



With analysts expecting a $15BN increase in consumer credit, the actual print was a whopping $22.1 billion, bringing total consumer credit outstanding to a new monthly all time high of $4.2 trillion.





However it was the composition of this number that sparked raised eyebrows across Wall Street, because while consumers added a rather subdued $9.4bn in non-revolving credit, i.e., auto and student loans, it was the $12.63 billion surge in revolving credit that explained not only November's modest drop in credit card debt, but the record holiday spending in 2019, which - as we now know - was to a record extent thanks to credit card debt. In fact, as the chart below shows, it was the biggest one month increase in credit card debt since 1998!





And so, for yet another month, Americans sank ever deeper in debt just so their obsession with purchasing things they don't need nor cad afford - obviously - can be satisfied. Although in a world in which central banks and politicians now openly encourage excessive spending and living beyond one's means, who can blame Americans for doing just as all monetary and fiscal officials demand of them...




Tyler Durden

Fri, 02/07/2020 - 17:05


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Business Finance

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SoCal Millennials Are Piling On Most Credit Card Debt

zerohedge News socal millennials piling most credit card debt All https://www.zerohedge.com   Discuss    Share
SoCal Millennials Are Piling On Most Credit Card Debt

Beverly Hills' Millennials were far ahead of the competition in terms of credit card debt, showing, as Statista's Katharina Buchholz explains, the correlation that exists between high incomes and credit card use in the United States. Cities in affluent Southern California, especially in the Los Angeles area, had some of the highest average per capita credit card debt rates for Millennials, acc

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ording to website Experian.



Beverly Hill’s Millennials piled on an average of more than $12,000 in credit card debt, far more than second-placed Monsey in the New York area, where the average debt rate was around $8,600.





You will find more infographics at Statista



Because high incomes normally lead to better credit scores, richer people are able to go into more debt on their cards. High debt municipalities were most often found around big cities, showing another reason Millennials might feel the need to go into debt: high cost of living. In recent years, U.S. wage growth has not kept up with housing costs, a fact that is amplified in bigger cities - top 10 cities for credit card debt among Millennials were found around L.A., New York, Houston, Miami and Austin.




Tyler Durden

Tue, 12/17/2019 - 23:45


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Business Finance

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Shopped online at Macy's last month? Might want to toss, or at least check, that card

logicfish Security shopped online macys last month might want toss least check that card All https://go.theregister.co.uk   Discuss    Share
Magecart making like difficult yet again for shopping website

US retailer Macy's says that hackers planted a card-stealing malware script on its site and harvested customer details for eight days last month.…

235
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Here Is The Secret Cost Behind All Those "Free" Credit Card Perks

zerohedge News here secret cost behind those free credit card perks All https://www.zerohedge.com   Discuss    Share
Here Is The Secret Cost Behind All Those "Free" Credit Card Perks

Despite the fact that the Fed insists on keeping interest rates low, many credit cards are actually raising rates for consumers, according to the Wall Street Journal.



The increase is to make up for the generous rewards - perks like cash back and travel - that credit cards are offering to lure in customers. 



The average APR on a i

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nterest charging credit card is now about 17%, near its highest in more than 2 decades. The APR is traditionally set by a broader market rate plus a margin set by the lenders. These margins have been rising steadily, even as borrowers take on record levels of debt. 





Source: Bloomberg



The average margin on interest charging cards was 11.72% in August, up from 10.6% two years prior. It's the highest margin on record. Interest on private label credit cards reached a record of 27.5% this year. 



And the rise comes at a time when credit card debt as a whole has surged. U.S. households owed an average of $8,602 in Q2, up 8% from the same period in 2015 when adjusted for inflation. 



The higher rates will have the most pronounced effect on credit card customers who only make the minimum payment each month and carry balances. 



Issuers like JP Morgan and American Express rolled out large sign up bonuses in recent years to attract wealthier customers to premium cards. But they found that many consumers game the system and reap rewards before simply moving on to other cards. 



Additionally, many consumers simply pay their bills in full each month to avoid interest payments and late fees. This has caused banks to shy away from offering massive sign up bonuses that were popular a few years ago. Banks want to retain their more affluent customers, however, because they hope to sell them on other banking products. 





Those who rack up interest charges and late fees often offset what they are given in rewards.



Profitability had been declining for several years for credit card companies until rates ticked up in 2018. Banks are now trying to raise rates to maintain profitability, despite the Fed suppressing them. As if we needed another sign that the market wants higher rates.



Credit cards brought in a 3.8% return on assets to large banks in 2018. It was the first increase in returns since 2013 and the return is expected to increase to 3.9% this year. APRs are also expected to rise over the next two years. 



Charging higher rates can also help banks protect against future loan losses, which are inevitable. Rising charge-offs also weighed on profitability in 2016 and 2017, causing some lenders to tighten underwriting requirements. 



Brian Foran, an analyst who covers banks and credit cards at Autonomous Research, says the rise in rates is a "natural response" to those expecting a recession in the next year or two.




Tyler Durden

Tue, 10/15/2019 - 19:00


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Business Finance

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Is Trump's Syria Withdrawal Gambit An Anti-Impeachment Card?

zerohedge News trumps syria withdrawal gambit anti-impeachment card All https://www.zerohedge.com   Discuss    Share
Is Trump's Syria Withdrawal Gambit An Anti-Impeachment Card?

Authored by Joaquin Flores via The Strategic Culture Foundation,



The 19th century Baptist Particular preacher from England, Charles Spurgeon, is best known for the one-line wisdom: “A lie spreads half way around the world while the truth is putting on his shoes.”





But what of half-truths, do they spread

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a quarter-way, or a third? Are these more like lies, or more like the truth?



By now the half-truth that President Trump announced the pull-out of US forces from its activities aiding the Kurdish separatists in Syria, on Monday, for the sole purpose of distracting the whole discourse from the impeachment proceedings against the sitting president, has spread at least some portion around the world by now.



A half-truth? It is indeed true that Trump had said the time had come for the US to extricate itself from its series of “ridiculous endless wars”, something which, before Trump, no Republican president in living memory has said.



The impeachment itself has the look and feel of yet another Democratic Party impeachment stunt, one which in all reality will have a difficult time getting through the House of Representatives and perhaps an impossible time getting through Senate, given Trump’s overall popularity among the energized base which numerous critical Senators will rely on. If the process would go through to the Senate, it is Chief Justice Roberts that would preside on the trial part, and being bound by his conservative record, it is nigh impossible that Roberts would be friendly to efforts to remove Trump on the extremely squishy grounds they would be presented on. After all, creating such future precedents would ultimately have a destabilizing effect on the executive branch, thereby threatening the constitutional framework of checks and balances between the two branches in question.



But the controversy surrounding the impeachment itself would be enough to raise serious questions in the minds of at least 1% of voters, to at minimum refrain from voting. That’s all Biden would need if he then, in turn, focusses his campaign on a few critical swing states. That’s what the strategy for Biden might hinge on – or is it? If the impeachment process goes through to the end, but ultimately fails, there is probably no other figure in American politics that could use the failure alone to energize his base to such a degree that the failure alone is part of what delivers victory to Trump towards a second term.



Whatever the case, for certain there is more here than meets the eye to this, and in politics nothing is random, nothing is coincidental. There is no doubt that there is a connection between the impeachment proceedings and Trump’s sudden announcement on Syria and the Kurdish YPG.



The honest question right now is simple enough: Is Donald Trump’s announcement a mere distraction from moves to impeach him?





No, it goes deeper than this – and here’s why.



While this wasn’t the first time either he as president, nor as candidate, had said as much, along with this announcement came a specific and determined public order of sorts: American troops would be pulled back from northern Syria as the Turkish military prepares to clean up Kurdish forces active in the region. Under the Obama administration, and – if we are to believe the sitting president – reluctantly under the present one too, Kurds have enjoyed a degree of support towards the US plan to partition Syria.



The rise of anti-war Republicans is a relatively new phenomenon, something which came to be broadly known to the public and outside of its own previously insular sphere, through the campaign of former Republican presidential candidate Ron Paul in 2012 – a strong libertarian figure whose anti-war position was prescient and based in integrity, and whose campaign was frustrated by the neo-conservative establishment running the Republican Party.



This is far from a mere distraction, and has a far deeper meaning, motivation, and possible outcome. At least two times during Trump’s presidency, he has announced some curtailment of the US efforts in Syria, declaring that the US had succeeded in defeating the real threat of ISIS.



This threat of ISIS, incidentally, was the stated aim of the US involvement in Syria under the Obama administration. It was only after a few years by way of the slippery-slope of mission creep that this involvement began to openly declare the overthrow of the decidedly anti-terrorist administration of Bashar al-Assad as its ‘real’ primary aim. Trump’s move to ‘declare victory and go home’, a declaration that was in reality made possible by the Russian aerial campaign, was nevertheless met with some significant push-back.



And this push-back, both times, came in the form of moves from House Democrats to start impeachment proceedings. These calls for impeachment, for various and apparently random ‘whatevers’, all long before the final findings of Mueller which seem to have exonerated Trump, had their intended effect.



Yes, both times Trump was forced to continue the US misadventure in Syria, and after he reversed his de facto position on the matter, both times indeed, impeachment proceedings magically disappeared.



To wit, after the 2017 Shayrat missile strike which Trump ordered to ward of impeachment threats, the infamously anti-Trump CNN declared that Trump was finally acting like a real US president [Insert wise comment here that in America, being presidential has to involve bombing people or things in the eyes of liberal establishment media].



Trump doesn’t forget those times he had his nose rubbed in it, as Democrats threatened to work with never-Trump Republicans in the pockets of AIPAC and the Military Industrial Complex, and the so-called intelligence community [something something deep state ], to frustrate his proposed policy changes. Along with appeasing these directly through his de-facto reversal on Syria withdrawal, he ramped up sanctions on Iran to appease AIPAC and even moved to out-do his predecessor on military funding – all within a geopolitical environment that sees Trump calling on European partners to ‘finally’ do their part to finance NATO.



Now, we suppose we’re just going to have to wait for the ‘allegations’ that Trump worked hand in hand with a foreign government – not Russia, not Ukraine – but rather this time Turkey, to coordinate their attack on the YPG to time nicely with Trump’s strategy to frustrate calls to impeach him.



Maybe Trump’s opponents will go so far as to claim that his push to expand NATO’s presence in Greece was timed precisely to get Erdogan’s attention to make the Turkish move against the YPG here and now. That means we should be on the look-out for transcripts of ‘Trump-Erdogan conversations’, and more ‘insider leaks’ from ‘whistleblowing’ darlings of the deep-state. As Matt Taibi wrote in Rolling Stone, the real whistleblowers like Manning and Assange, wind up persecuted, tortured, imprisoned. The Ukraine ‘whistleblower’, he astutely observes “isn’t a real whistleblower”. Others less known wind up black-listed, permanently unemployed, doxed, and so it goes.



But if Trump is anything, he’s a man with a larger-than-life ego, but more than that he is underestimated as an intelligent and strategic thinker, and moreover, doubly excels at symbolic messaging. If his opponents really imbibe the propaganda they put out against him, they’ll always be in for one surprise after another.



So if in the past, impeachment was used as a reaction to his calls to end the Syrian campaign, and forced him to essentially re-think that apparently unrealized campaign promise – then now impeachment is being used against Trump to punish him for his moves to drain the swamp in Ukraine. Yes, a swamp filled by Victoria Nuland with over $5 bln dollars, Biden’s son Hunter’s unexplainable and magical seat upon the Ukrainian natural gas concern, Burisma, and the blood of the thousands upon thousands of innocent civilians killed by the Obama installed Kiev Junta in its ethnic cleansing operation in the former eastern regions of Ukraine.



With impeachment being used as a Democratic Party campaign/immunity ploy to perhaps elect or, why not, just install Biden, then what’s Trump’s interest on holding back on his peace plan for Syria? Surely this makes sense for Democrats as neither Pence nor any other Republican has either any appeal against just about any Democrat including Biden.



But Democrats didn’t plan that Trump would use something perceived as a weakness, a point of capitulation, as a bargaining chip, a card, a strength.



Just think of how Trump could map his options and possible outcomes out on a semiotic flow chart, and create multiple contingency plans. This has the look and feel of a well-planned maneuver, one that Trump will emerge the stronger from. In many ways it all begs the question, why do his opponents continually fall into his traps? Maybe this is what happens when Democratic Party strategic decisions are made by committee, by lobbyists, by pollsters interpreting the pseudo-data from their own convoluted push-polls. Maybe this is what happens when people really start to believe the hype they created about their opponent.



Trump’s team has counted the votes against him in the House and Senate – and guess what? These probably include the same never-Trump Republicans that lined up against him previously over his failed attempts in the past to wind down Syria. So what motive would Trump have now to keep these same war-hawks happy about Syria? He can only use Syria to his advantage here and now.



And keeping it real, Trump is interested primarily now in his re-election, and being able to implement whatever he can manage in his second term – but he has to get there first.



All in all, this means that rather than Syria being used against him under threat of impeachment, Trump can use Syria withdrawal threats to get those never-Trump Republicans to get back in line – yes, a little party discipline and solidarity.



Trump has had to let go on Syria a few times, and for all we know it was always set up as one of those cards he could play to survive. Maintaining a presence in Syria lines up generally with his policy against Iran, but claiming that he’s against such a presence allows him to play that card when it’s needed.



Conclusion

And on Trump’s end? He has a win-win.




If Democrats buckle on impeachment, he wins big. If they do not buckle and take impeachment a far as it can go, and prolong the process through the election, they await Chief Justice Roberts jurisprudence and Senate Republicans, taken together, doesn’t look good. If Trump can, as he likely will, use that to his advantage, he wins some and loses some, it will mean some recalibrating on swing states.



If Democrats don’t buckle and Trump can continue to make big news on ending US presence in Syria, he might make more moves against US presence in Syria, like at Al-Tanf, and all together win even more points with anti-war Republicans, and even Democrats who voted Trump on issues including employment and the economy as well as foreign wars.




In swing states, Democrats so anti-war and suspicious of China’s relationship to the bleak US employment reality, may vote Trump. And anti-war Republicans themselves aren’t some small grouping.



Overall, as the American Conservative put it together based on polling done by Politico, “Trump’s December announcement that he would withdraw US troops from Syria, polling data from Morning Consult/Politico shows that 49 percent of Americans support the decision while 33 percent oppose it.” The same article goes on to quote the [in other cases very unreliable] Glenn Greenwald of the [limited hangout] Intercept – “Trump voters overwhelmingly support withdraw by 76 percent to 14 percent.”



And, by the way, this also helps make it clearer why the DNC made a full reversal on Tulsi Gabbard’s ejection from the race for the nomination – they need to keep that segment of the ‘audience’ engaged until future notice, especially if Trump can angle to keep ahold of Democrats and Republicans who value foreign policy and war above most anything else. Now Tulsi’s magical reappearance in next week’s 4th debate, after missing the 3rd, makes a lot more sense. She previously showed she had a game-mind when she strategically attacked Harris’ attack on Biden’s alleged racism – showing that she could win support from [white] Americans fed up with being accused of such, and that she understood that Biden was the DNC darling, making her defense of him a clear indicator what they could use her in the debates later on, a brilliant insurance policy on the part of Tulsi.



If Dems don’t drop impeachment then he scores high in those above broken-down demographics, and likely score big enough to reverse the damage done by any impeachment proceedings that threaten his re-election, as they ultimately fail anyhow at the process level.




Tyler Durden

Fri, 10/11/2019 - 21:40


Tags

Politics

183
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Dead simple: Plenty of Magecart miscreants still looking to skim off your credit card deets

logicfish Security dead simple plenty magecart miscreants still looking skim your credit card deets All http://go.theregister.com   Discuss    Share
Average breach not even noticed for 3 weeks ... that's a lot of $$$

Infamous card-skimming malware Magecart is still out there – and the latest campaign has affected at least 17,000 domains so far, according to threat intel biz RiskIQ.…

162
81 Views

Charmin'. Garmin admits customers' full credit card data nicked from South African web store

logicfish Security charmin garmin admits customers full credit card data nicked from south african store All http://go.theregister.com   Discuss    Share
Rainbow Nation site was running on Magento

GPS and wearables maker Garmin has warned customers in South Africa that their personal info and payment data were pinched after they shopped on the shop.garmin.co.za portal.…

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Chase Bank Forgives "All Outstanding Credit Card Debt" For Canadian Customers

zerohedge News chase bank forgives outstanding credit card debt canadian customers All https://www.zerohedge.com   Discuss    Share

In a shocking move, Chase Bank announced on Thursday that it was going to be forgiving all outstanding credit card debt from its Canadian customers, according to Yahoo Finance. The bank closed all of its credit card accounts in Canada back in March of 2018. 



When the accounts were initially closed, customers were told to continue paying down their debt. Now, they're being told by the company that their debt is cancelled. CBC talked to some customers who got letters from the bank this week.



Douglas Turner of Coe Hill, Ontario, who still ow

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ed about $4,500, said: 




"I was sort of over the moon all last night, with a smile on my face. I couldn't believe it. It's crazy. This stuff doesn't happen with credit cards. Credit cards are horror stories."




Turner also said his last payment to the account was also going to be reimbursed. 





Paul Adamson of Dundalk, Ontario said he called his bank after seeing his account was closed because he was concerned about missing a payment. Adamson said:




 "I'm honestly still so ... flabbergasted about it. It's surprise fees, extra complications – things like that, definitely, but not loan forgiveness."




The bank had previously offered rewards cards for both Amazon and Marriott in Canada. Maria Martinez, vice-president of communications for Chase Card Services, said that the bank could have sold the debt, but that forgiving it "was a better decision for all parties, including and most importantly our customers."



It'll be interesting to see if the news is as well received by diligent Chase customers in Canada who paid off their cards, as well as American customers who have undoubedtly racked up massive sums of debt with the bank. 



A 24 year old university student, Christine Langlois of Montreal, said she hadn't paid the card in 5 years. 




"It's kind of like I'm being rewarded for my irresponsibility," she said. 


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Trying to find Respite From Your Rheumatoid arthritis? Try These Guidelines!

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The agonizing condition of joint inflammation influences the lives of huge numbers of people every day. As with whatever else, you have to be familiar with the right solutions to use when properly healing joint inflammation. There are a number of helpful hints for helping handle your joint inflammation on this page.
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PIN the blame on us, says Monzo in mondo security blunder: Bank card codes stored in plain-text in log files

logicfish Security blame says monzo mondo security blunder bank card codes stored plain-text files All http://go.theregister.com   Discuss    Share
Why bother go for databases when insecure log files appears to be where all the data is at

Trendy online-only Brit bank Monzo is telling hundreds of thousands of its customers to pick a new PIN – after it discovered it was storing their codes in plain-text in log files.…

167
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Capital One gets Capital Done: Hacker swipes personal info on 106 million US, Canadian credit card applicants

logicfish Security capital gets done hacker swipes personal info million canadian credit card applicants All http://go.theregister.com   Discuss    Share
More than 1 million social numbers nicked among other details – FBI collars, charges software engineer

A hacker raided Capital One's cloud storage buckets and stole personal information on 106 million credit card applicants in America and Canada.…

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Hedge Fund Managers Are Buying Your Credit Card, Bluetooth, & Wi-Fi Data Hand-Over-Fist

zerohedge News hedge fund managers buying your credit card bluetooth wi-fi data hand-over-fist All https://www.zerohedge.com   Discuss    Share

Hedge fund managers continue to mine all sorts of "alternative data" in order to try and gain trading edges. This now includes seeking out consumer habits from devices like Fitbits, Rokus and Teslas, according to Bloomberg.



As we have reported on before, alternative data is being bought hand over fist by hedge funds like Steve Cohen's Point72 Asset Management and Ken Griffith's Citadel. Many are even paying large sums for it. 



Michael Marrale, chief executive officer of M Science said:




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 “There is not one major hedge fund or asset manager that doesn’t have data initiatives underway or that are not using alternative data in some way.” 




Spotting trends in consumer habits is a big business and JP Morgan estimates that the market for big data could reach more than $200 billion by next year. Even then, the data needs to be analyzed, scrubbed, organized and aggregated to be of use.



There has been "incredible demand" for this data, according to Marrale.



So what exactly are hedge funds looking at?





First, they are looking at Wi-Fi and Bluetooth connections, which have both become so ubiquitous that they are often taken for granted. Capturing the signals that these networks emit can show “when and where new things appear in the world,” said Hugh O’Connor, director of data sourcing and partnerships at Eagle Alpha.



This can help firms keep tabs on the number of video streaming devices or fitness trackers being used, the length of time consumers spend on them and their locations. Data providers can also capture when your new ride is hitting the road if you have bought a Tesla Model 3 and use its Bluetooth enabled media.



Location tracking data can also be pulled from mobile phones and show the number of people carrying devices at a particular location. This can help distinguish how many people are frequenting retailers, supermarkets or fast food joints. Alternative data firms can also monitor app downloads to see how popular they are, where they are occurring and when they are being used to make purchases.



Hedge funds also are scraping the internet for data, sifting through sites to create bespoke collections of public data. They look at things like pricing trends on flights and hotels and inventory figures for products sold on sites like Amazon.





Twitter sentiment is also being watched: hedge funds track key words or phrases on social media sites to gauge what consumers are thinking about the newest products from companies like Apple and Nike. This can be mapped to companies and provide clues about popularity of products or services.



Credit card data is also being used to track what and how much people charge and which sites accept online payment services. This data has immense potential, so it can be more expensive than other alternative data.



aniel Goldberg, founder of Alternative Data Analytics said:




“Credit card data can range from $150,000 to over a million dollars a year, depending on certain characteristics such as the level of granularity."




Firms also collect information on job postings, changes in salary and employee reviews of companies from sites like Glassdoor. From this material, they can see if a tech giant starts seeking new talent from a different industry, which may suggest a new product or service. They can also check for the removal of job postings, which can sometimes signal corporate distress.

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Own goal for Leicester City FC after fan credit card details snatched in merch store breach

logicfish Security goal leicester city after credit card details snatched merch store breach All http://go.theregister.com   Discuss    Share
If you've bought a Foxes shirt lately, check your statements

Leicester City Football Club has quietly told people who bought stuff from its website that their financial details have been stolen by hackers – and those details include credit card numbers and CVVs.…

196
139 Views

Hackers cop a FILA thousands of UK card deets after slinking onto clothing brand's servers

logicfish Security hackers fila thousands card deets after slinking onto clothing brands servers All http://go.theregister.com   Discuss    Share
Pesky JavaScript malware harvester strikes again

Sportswear brand FILA is the latest company to fall victim to the card-stealing JavaScript infection that menaced British Airways and Ticketmaster last year.…

171
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Fake broadband ISP support scammers accidentally cough up IP address to Deadpool in card phish gone wrong

logicfish Security fake broadband support scammers accidentally cough address deadpool card phish gone wrong All http://go.theregister.com   Discuss    Share
A tale of Twitter fraudsters, an infosec biz boss, and a quest for one honeypot hit

Fraudsters masquerading as ISP support agents to phish payment card details have been unmasked – after they tried to scam a Brit infosec biz cofounder.…

1
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A feminine requirements A Pair Of Tory Burch Shoes For A Stylish Look

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Difference in Between Girls And gals Fashion

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There are many photos available for the shoes that are shown in the search results. It often signifies a picky fashion or era. The best way to flaunt your style is by sporting the correct footwear.
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Moncler Make It An simple factor To Select garments

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Shopping For gals Fashion Dresses

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Sale footwear Creating Extravaganza

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The fashion should also figure out the type of outfits you wear and how long they flow. At that time courtroom footwear are mainly utilized as they fits with all kind of gown, usually provides a new look.
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Women's gown sneakers For Tall females: Dos And Don'ts

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All the styles in traditional assortment are soft and lightweight. Due to our frantic schedules, we may not have the time to go to a mall. In shoe wholesaling, the costs differs a lot.
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What You require To Know About getting Fashion Shoes on The Net

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We admit these are couple of and much in between! The closet of nearly any lady you meet will generally contain fairly a couple of pair of footwear. For occasion, if you have small feet make sure you have kitten heels.
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Flaunt Your Fly London Shoes And produce A style assertion

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For these that have taken notice of this fact, it has even turned into profitable company enterprises. In some designs a heel gel is inserted to soak up landing impact. MBTs curved sole forces the body to discover its centre of gravity.
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Fashion Bags Make females distinct

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These shops offer boots wholesale, wedges wholesale, comforts wholesale, heels wholesale etc. Converse all star mild shoes and boots allow women to show their uniqueness. And different pageant days with various gifts.
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Finding Perfect Women footwear

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Usually, the general shoe size and the designer dimension differ a lot. Fashion in your dressing and wearing tends to make you stand out and blend in, as you might like. Then go to a store or footwear store and try on the footwear.
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Art footwear Help In making A fashion assertion

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They will deal with every single unique outfit and our many diverse moods. In these gentlemen footwear, you will see the Vintage, Core and Skate shoes. You will locate the good Vans boots and sandals right here.
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A Woman Needs A Pair Of Tory Burch footwear For A Classy Look

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They can pick ones up to match a particular temper or any outfit they own. Be Wise.Or Not - If you spend most of your time at function, you will need ladies's footwear that are comfortable.
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Each action With Mbt sneakers Will Make good Magic To Recall gals wellness

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There are many photos available for the shoes that are shown in the lookup outcomes. It often signifies a picky style or era. The best way to flaunt your style is by sporting the correct footwear.
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A feminine requirements A Pair Of Tory Burch Shoes For A Stylish appear

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It depends upon the shopper that which component of the country he wants to store. Fashionable and classical styles are offered for each official and casual occasions. The reality is ladies's ft are obtaining larger.
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Discovering Ideal ladies Shoes

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You can easily make a profit or save some cash by buying ladies footwear wholesale. If you are searching for specific brand like Birkenstock then you will get Birkenstock footwear at reasonable prices.
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Mini Skirts As A trend Statement

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So how, in what manner and which variety of ladies manner topsto wear with diverse skirts? All of these variants are feasible with just 1 single piece of cloth. Apparels determine a man or woman's individuality.
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Find An Array Of outfits And components On on The Internet outlets

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They provide all varieties of manner time parts, dials and other components of these at wholesale rates. Creating your wardrobe wants endurance and you need to contemplate this as your pet project.

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