Web Question Answers | JB GUPTA | Activity https://webquestionanswers.com/members/jb-gupta/activity/ Activity feed for JB GUPTA. Thu, 04 Jun 2026 07:08:15 +0530 https://buddypress.org/?v= en-US 30 hourly 2 89324196ce1df11ba5dc9747845c9f92 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5353/#acomment-5354 Fri, 25 Jan 2019 04:49:09 +0530 @aiswaryanp, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Aiswarya Np became a registered member ]]> 1a9b114cff8988fd759b6da794ae681e JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5332/#acomment-5333 Fri, 11 Jan 2019 02:54:31 +0530 @chris, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information (visible…[Read more]

In reply to - Chris became a registered member ]]> c1512f3fee2ec70ef0d8c21aaa883792 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5320/#acomment-5321 Sun, 06 Jan 2019 03:12:20 +0530 @sharo19, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Sharon became a registered member ]]> b5f216463afbde2e93e468208585052b JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5303/#acomment-5304 Mon, 19 Nov 2018 13:43:52 +0530 @vinoddagur, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Vinod dagur became a registered member ]]> 9477aa6e8ebdbba0d58504c8e62a22ec JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5236/#acomment-5242 Sat, 10 Nov 2018 10:55:37 +0530 @discoveryholidays, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4)…[Read more]

In reply to - Gurpreet Singh became a registered member ]]> d4f8e01816fa678f494f2fbf8054527a JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5204/#acomment-5206 Tue, 25 Sep 2018 02:59:38 +0530 @hemantrajdixit, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Hemantraj Dixit became a registered member ]]> 703ae010ba6f361d6b8940910c658797 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5192/#acomment-5193 Fri, 14 Sep 2018 09:16:30 +0530 @vishal121, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - VISHAL became a registered member ]]> 5525b1e57c962fe0736a949304c38f48 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5148/#acomment-5154 Sun, 19 Aug 2018 03:40:00 +0530 @face2ram, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Ramesh became a registered member ]]> e9d7679241fa72d94e04f9c18933d3c0 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5127/#acomment-5128 Wed, 08 Aug 2018 10:58:08 +0530 @ramya, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information (visible…[Read more]

In reply to - Ramya S became a registered member ]]> 468034d2bfde60a38795291ea84ab53e JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5125/#acomment-5126 Wed, 08 Aug 2018 02:59:20 +0530 @nipun, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information (visible…[Read more]

In reply to - Nipun Majumdar became a registered member ]]> 49685d24fb870b287dcd485bf3753d04 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5113/#acomment-5116 Tue, 31 Jul 2018 08:14:04 +0530 @strongmama1989, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Nikkole became a registered member ]]> 919afe67a4be7d368a435b33fe54f02e JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5112/#acomment-5115 Tue, 31 Jul 2018 08:13:05 +0530 @jdacpano12, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Jaymark Dacpano became a registered member ]]> f669cdd083a56f01393f2eb275212c90 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5111/#acomment-5114 Tue, 31 Jul 2018 08:12:08 +0530 @msanonymous, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Ujwala became a registered member ]]> 568c1f24f47aa5c1496a5db8d4a8e4f8 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5082/#acomment-5086 Fri, 20 Jul 2018 02:38:21 +0530 @nilotpalkapri, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Nilotpal Kapri became a registered member ]]> ffa9d52db850b39b512653bc895420f4 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5081/#acomment-5085 Fri, 20 Jul 2018 02:36:47 +0530 @twhitees, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Teresa White became a registered member ]]> a0435fad27db3943b445593b9c30a70a JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5066/#acomment-5067 Fri, 13 Jul 2018 12:20:54 +0530 @ashoksaini, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Saini became a registered member ]]> 03749c8489ad4c1cf666b784dcf501b9 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5044/#acomment-5048 Mon, 09 Jul 2018 10:20:17 +0530 @sukumarsteve, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Sukumar became a registered member ]]> 57f5aefbea70a7fc8e988103fdc86ff7 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/5043/#acomment-5047 Mon, 09 Jul 2018 10:18:09 +0530 @skshakir419, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Shakirul Islam became a registered member ]]> 395c05bf0d086bfbd38a1fa762ea4d68 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4990/#acomment-4994 Sat, 16 Jun 2018 02:43:46 +0530 @ilovetohelp, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Mrs.G. Walston became a registered member ]]> e318bcbb19c968378f8de8585cebf9ec JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4991/#acomment-4993 Sat, 16 Jun 2018 02:42:41 +0530 @johngulati1, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - John gulati became a registered member ]]> af9e53f819be347f00b489a5f4be5b56 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4976/#acomment-4977 Tue, 12 Jun 2018 02:43:11 +0530 @heatherisom, I understand that you have registered on WebQuestionAnswers and made a Verified Profile. While I welcome you on board at WQA, I have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4)…[Read more]

In reply to - Heather became a registered member ]]> 40c3486f308c09df949073cf7913d019 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4965/#acomment-4967 Sun, 03 Jun 2018 04:08:50 +0530 @thekimfab, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - KImmy became a registered member ]]> df3652999062beaa437a6d8450860fdb JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4964/#acomment-4966 Sun, 03 Jun 2018 04:07:36 +0530 @desert, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - biki Dutta became a registered member ]]> ef9caf259b2b421fbbe54faed603f756 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4961/#acomment-4963 Sat, 02 Jun 2018 00:07:02 +0530 @sibrahimrock, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2) Public Information 3) Profile 4) Information…[Read more]

In reply to - Ibrahim Akhtar became a registered member ]]> ca5e9ac4fc402c3deacbfab16440e3b4 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4931/#acomment-4932 Tue, 22 May 2018 04:55:14 +0530 @mohamed2001, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2)Public Information 3)Profile 4)Information…[Read more]

In reply to - momo became a registered member ]]> 30955b01b1b4089f280b8ce0930ee4c2 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4902/#acomment-4903 Mon, 14 May 2018 02:50:20 +0530 @usama, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2)Public Information 3)Profile 4)Information (visible to…[Read more]

In reply to - USAMA became a registered member ]]> 285172de70ca5a13726acc99e263e979 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4876/#acomment-4877 Fri, 04 May 2018 00:29:58 +0530 @judith15, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2)Public Information 3)Profile 4)Information (visible…[Read more]

In reply to - judith andilab became a registered member ]]> a2266547f408864d497344123fe8a8ff JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4779/#acomment-4780 Tue, 10 Apr 2018 03:13:26 +0530 @elziebell, We understand that you have registered on our website and made a Verified Profile. While we welcome you on board at WQA, we have observed that you have not completely edited the following items: 1) Real Profile Photo which will also help you to get acclaimed as Google Verified Author 2)Public Information 3)Profile 4)Information…[Read more]

In reply to - Ella Barbara became a registered member ]]> 3e38daa4881c345efbd809f338509ca7 JB GUPTA wrote a new post http://webquestionanswers.com/?p=8866 Thu, 05 Apr 2018 03:16:28 +0530 Myths and Facts as Frequently Asked Questions on Submission of 15G and 15H
Regarding 15G / 15H submission for the Financial year 2018-19
1) What are the slabs for 15G and 15H?
Ans: 15G = Rs. 2,50,000/-, 15H […]

]]> b30ad9ed49466a71756c8c79ce7305f8 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4742/#acomment-4747 Wed, 28 Mar 2018 03:04:13 +0530 Welcome to the wonderful website at WQA. You have the opportunity to show your article writing, reviewing and answering skills You can also start fresh discussion topics through Forums for any issue with the website.We do not like spam users. The site is under upgradation. Soon you will be able to enjoy full functionalities.

In reply to - Anupriya became a registered member ]]> e86c2019be1847b09924b1cd874beed6 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4743/#acomment-4746 Wed, 28 Mar 2018 03:04:04 +0530 Welcome to the wonderful website at WQA. You have the opportunity to show your article writing, reviewing and answering skills You can also start fresh discussion topics through Forums for any issue with the website.We do not like spam users. The site is under upgradation. Soon you will be able to enjoy full functionalities.

In reply to - Pintu became a registered member ]]> 67619045e1d2f15c2fac678e564fd712 JB GUPTA posted a new activity comment http://webquestionanswers.com/get-cibil-report-rs-150-from-cibil-consultants/#comment-1940 Sun, 25 Mar 2018 04:42:57 +0530 I have subscribed to Silver Credit Health Checkup Plan from CIBIL Consultants. It is a wonderful Credit Health Checkup Plan providing CIBIL Report on Demand @Rs.150 per instant. The CIBIL Report being provided under the Package is complete in all respects and is decoded with the name of Lending Banker and Loan Account Numbers clearly disclosed.

In reply to - Navneet Sood wrote a new post With the Linking of Aadhar with other ID Proofs and Address Proofs, the Credit Rating Agencies are updating their Credit Information Data on their servers and now the Loan accounts […] ]]> 91c9344b9a4a7ed3da4fa38775dfb532 JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4731/#acomment-4737 Sun, 25 Mar 2018 04:33:34 +0530 Welcome to the wonderful website at WQA. You have the opportunity to show your article writing, reviewing and answering skills You can also start fresh discussion topics through Forums for any issue with the website.We do not like spam users. The site is under upgradation. Soon you will be able to enjoy full functionalities.

In reply to - Ritik Verma became a registered member ]]> 63f78abe54daa50531eb3f4be759922f JB GUPTA posted a new activity comment https://webquestionanswers.com/social-update/p/4732/#acomment-4736 Sun, 25 Mar 2018 04:33:20 +0530 Welcome to the wonderful website at WQA. You have the opportunity to show your article writing, reviewing and answering skills You can also start fresh discussion topics through Forums for any issue with the website.We do not like spam users. The site is under upgradation. Soon you will be able to enjoy full functionalities.

In reply to - Sonam became a registered member ]]> 7497a9e4be9ea19c596d6bef25826a9a JB GUPTA posted an update: Subscribed to Silver Credit Health Checkup Plan from CIBIL […] https://webquestionanswers.com/social-update/p/4734/ Sun, 25 Mar 2018 04:31:54 +0530 Subscribed to Silver Credit Health Checkup Plan from CIBIL Consultants. It is wonderful.

]]> 0 d18d34adc86c44e0d6e847b8d539a7f0 JB GUPTA posted an update: Attending Local Event at "Solve CIBIL Problems Online to Get […] https://webquestionanswers.com/social-update/p/4315/ Tue, 14 Nov 2017 03:08:42 +0530 Attending Local Event at “Solve CIBIL Problems Online to Get Loans Sanctioned”

]]> 0 c2a4f56cfd6183b32d0385f8d710ede3 JB GUPTA posted a new activity comment http://webquestionanswers.com/20-tips-on-benefits-of-daily-exercise/comment-page-1/#comment-1054 Mon, 28 Dec 2015 06:13:57 +0530 Really exercise is essential for keeping the body fit. Exercise does not involve any expenses like going to gym centers or health clubs. One can burn calories by simple exercises like swimming, cycling and running or brisk walking. One hour of brisk walking bring down sugar levels by 40 points to 100 points and one can get rid of insulin or diabetic drugs.

In reply to - Ashok Goyal wrote a new post “Early to Bed and Early to Rise, Makes a Man or Woman, Healthy, Wealthy and Wise” – is an old saying though it may not hold good in the modern world when the whole world has t […] ]]> 5b11cc75693bd51888e2a85a51d831cf JB GUPTA posted a new activity comment http://webquestionanswers.com/how-to-earn-rs-156-paytm-cash-from-britannia-bourbon-biscuits/#comment-1014 Tue, 03 Nov 2015 02:23:11 +0530 @Kumar, it really worked. While I enjoyed the biscuits in my morning and evening tea, the cost of the biscuits was reimbursed by PayTm as 100% Cash Back in my wallet with PayTm. Thanks for making it possible to avail this 100% Cash Back facility.

In reply to - Kumar wrote a new post It is as easy as 1 2 3… to earn Paytm cash from Britannia Bourbon Biscuits. Buy Britannia Bourbon Biscuits packs of any denomination Rs.10, Rs.20 or Rs.26. Each pack has a Paytm coupon code […] ]]> d4320c24f1700eebccbe89e375191ff2 JB GUPTA wrote a new post http://webquestionanswers.com/?p=5071 Fri, 07 Aug 2015 07:01:57 +0530 How to Learn and Earn at WebQuestionAnswers

Web Question Answers is a website for freshers who have no experience of writing and publishing online content. While the tech savy can easily write articles on […]

]]> 8abdb12e28109b148f384a477b58a832 JB GUPTA posted a new activity comment http://webquestionanswers.com/international-women-day-2015-un-theme/#comment-957 Sat, 04 Apr 2015 14:06:18 +0530 I have gone through the whole article and have found that the views of the author are realistic and an eyeopener. I wish not only everybody read the article but also implement in letter and spirit so as to abolish the disparity against the girl child in the society.

In reply to - Ashok Goyal wrote a new post International Women’s Year is celebrated the world over on 8th of March every year and United Nations adopt a theme every year. Last year in 2013 the UN adopted the theme “A Promise is […] ]]> 3b40b9330e4d981888ce2bdee229fbc5 JB GUPTA wrote a new post http://webquestionanswers.com/?p=4268 Thu, 02 Apr 2015 08:04:51 +0530 Since I am also a retiree from a financial institution, I find post retirement life a little sort of wasting of the valuable time in sitting idle, meeting friends and wasting their time and sometimes finding […]

]]> 2fcac3fcc4dc8e7a371806d0d24d70ad JB GUPTA commented on the post, What is Google Science Fair and How to participate in it? http://webquestionanswers.com/askExperts/what-is-google-science-fair-and-how-to-participate-in-it/#comment-445 Fri, 14 Mar 2014 12:57:36 +0530 Participants can check the rules and regulations to submit their Project Site.

]]> 8d3e5661b6cc3f3d888346592e7fa903 JB GUPTA commented on the post, Why I can not post articles when I have not violated any rules. http://webquestionanswers.com/forum/why-i-can-not-post-articles-when-i-have-not-violated-any-rules/#comment-444 Fri, 14 Mar 2014 12:42:21 +0530 Thanks for removing the restrictions on posting in articles and resources section.

]]> b4188262fce5897a052f3035fe6f5c3e JB GUPTA commented on the post, Happy News for Members - Facebook Sign In activated at WQAINDIA http://webquestionanswers.com/forum/happy-news-for-members-facebook-sign-in-activated-at-wqaindia/#comment-443 Fri, 14 Mar 2014 12:39:29 +0530 No problem. Now I can log in to my dashboard at WebQuestionAnswers through facebook sign in and my friends can also register through facebook signup. It will be better if Facebook comments are also enabled through […]

]]> 1c9e5550fe9a74e2de3810d0c8396014 JB GUPTA commented on the post, Can Adsense publishers get the payments from Google via Wire Transfer? http://webquestionanswers.com/forum/can-adsense-publishers-get-the-payments-from-google-via-wire-transfer/#comment-442 Fri, 14 Mar 2014 12:36:00 +0530 During first week of March 2014, Google Adsense introduced wire transfer for adsense publishers who received payments on a verified payment address in India and to receive payment for the month ending February, […]

]]> 3fefcb94229d78fb0807a4af526a6280 JB GUPTA wrote a new post http://webquestionanswers.com/?p=2470 Sat, 08 Feb 2014 11:39:39 +0530 Let us join the NGO in the name of awake and get awakened (Jago te Jagao) set up at Rajpura distt Patiala (Pb). The very purpose of this NGO is to instill a sense of awakening in the people regarding their duties […]

]]> 18204c75bc41ec875179f54e928fe30b JB GUPTA commented on the post, Learning Centre - Search Engine Optimization and ways to earn revenue online. http://webquestionanswers.com/learning-centre-search-engine-optimization-and-ways-to-earn-revenue-online/#comment-405 Sat, 08 Feb 2014 06:43:12 +0530 I am a new blogger and the article will be very useful for me in my blogging experience. It deserves to be circulated.

]]> 124356254ee1c9428f3d58bf1869be4c JB GUPTA wrote a new post http://webquestionanswers.com/?p=2465 Sat, 08 Feb 2014 03:32:23 +0530 Content Coming Soon

]]> 3107f8aeec515e6616b348e8370e46a9 JB GUPTA wrote a new post http://webquestionanswers.com/?p=2427 Tue, 04 Feb 2014 07:18:57 +0530 Today when the interest rates have fallen from 14% in nineties to just 8% per annum coupled with falling value of rupee and skyrocketing inflation the public is in dilemma as to where to invest their hard earned […]

]]> 2d1663f22194b6227dea693b770c2359 JB GUPTA wrote a new post http://webquestionanswers.com/?p=2410 Mon, 03 Feb 2014 00:45:15 +0530 In European countries the banks issue chip-based smart credit cards to their customers as it is difficult to clone such cards. The encrypted account information is stored and embedded deep into the microchip in addition to magnetic strip on the card. The smart cards with microchips can not be used at POS as every time you will have to authorize the transaction with PIN code. Cards without the duo PIN and CHIP technology could be swiped at the POS without getting noticed or fraudulent people could clone the by reading the data from magnetic strip alone through gadgets available in the grey market. Now even if you card is cloned by such unscrupulous elements the transaction will require PIN number, exclusively known to you only, to get the transaction authorized.
Taking a clue from other developed countries, the RBI has also made it mandatory to replace the old, fraud prone, easy to hack magnetic stripe cards to better secured PIN and chip technology.
It is a matter of discussion amongst consumers, retailers, banks as to who shall bear the loss due to credit card frauds. If retailers and bankers do not share the liability then the consumers will shy away from creating transactions with their credit cards as the consumers will not rely upon payment system solutions. It is possible only if the banks and retailers shift to PIN and CHIP technology which is likely to increase the costs of the smart cards to the banks to oblige their existing credit card holders by replacing their old cards with the PIN and Chip technology supported cards. Not only banks but retailers using POS terminals will also require getting the machines upgraded which can read the micro chip on the cards. These additional costs are necessary so as to protect the millions of consumers from whom both the Banking and Retail industry is drawing their profits. They can not afford their consumer in high and dry condition and at the mercy of criminals.
Almost all the card with the logo of MasterCard, Visa and American express or even Discover have now been shifted to PIN and Chip Technology in a phased manner and if the retailers do not get their POS payment terminals upgraded immediately to read smart cards, they are likely to loose their consumers. The retailers will have to put up clear cut signboards that they accept Smart Cards with PIN and Chip Technology.
No doubt smart cards will help in reducing credit card frauds at the point of purchase or point of sales but even the PIN and Chip technology will not eliminate the chances of frauds as account number of the consumer can still be used to purchase online or on mobile purchases where the card is not required to be presented. In the future there may be development of technologies to even to block the credit card frauds through online or mobile purchases.
Opinion of the Author:
To reduce the incidence and quantum of losses due to credit card frauds the issuer bankers need to take the following steps:

Within the overall Credit Limit of the Credit Card, the consumer be allowed sub limit per transaction while using the credit cards at POS or POP terminals.
For every transaction above the minimum sub limit let the consumer receive the OTP, one time password or PIN on his smart phone to go ahead with the transaction above the sub limit during one session.
Even consumers are deceiving the credit card issuers by converting their transactions in to cash from POS owners. The consumer will go to just say 10 petrol pumps in the close vicinity and after making transactions at every POS the consumer will get it converted to cash as POS owner will also like to do away with the heavy cash so as to avoid visiting their bankers. The smart consumer will use the credit for minimum say 45 days and go on repaying and cashing time and again to use the full credit card limit for conversion into cash at free of interest cost.

Know more about Credit Card utilities and importance of CVV as CVV number can facilitate online and mobile credit card frauds even if the card is with PIN and CHIP technology. Smart Cards eliminate chances only at POS terminals.

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