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Major Purchase: A purchase that involves a significant amount of money. PIN Cashing: A fraud that involves withdrawal of cash using stolen credit or debit card information. Carders: It is a term used for criminals that steal, sell or try to gain illegal access to information related to credit or debit card accounts of other individuals. The activities of a carder is termed as 'carding' in the credit card world, while the websites that exchange information and provide necessary details for technical understanding about this trade is called 'carding forums'. 
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Bankruptcy: Bankruptcy is a legal proceeding that releases an individual from the obligation of repaying a part or the entire debt. Bankruptcy law generally contains several chapters, like, Chapter 7, 11, 12 and 13, all of which are concerned with different methods of relief. Bankruptcy usually remains for seven to ten years in the credit report and damages the credit report of the individual or organization. Premium Earned - The amount of the premium that as been paid for in advance that has been "earned" by virtue of the fact that time has passed without claim. A three-year policy that has been paid in advance and is one year old would have only partly earned the premium. Several types of parts may be used when your vehicle is repaired: new parts, both original equipment manufacturer and after-market; and recycled parts. New or after-market parts will be used if we can't find like-kind and quality recycled parts. A 5-year-old car, for instance, would be repaired with parts at least as good as the parts that had been in the car. We guarantee the after-market parts used for these repairs for as long as you own the car. 
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Automated Clearing House: A nationwide fund transfer network that allows the participating businesses or financial institutions to electronically transfer funds among each other within United States. Certain causes and conditions, listed in the policy, which are not covered. Fair Debt Collection Practices Act (FDCPA): A federal law that prohibits certain methods employed for collecting debts. It mainly prohibits abusive, unfair and deceptive debt collection practices. 
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Adjustment Automated Teller Machine: A machine that allows debit or ATM cardholders to draw cash from their savings or checking account or also to make deposits and transfer money from one account to another anytime. To perform all these transactions, a person has to use his magnetically encoded debit or ATM card. Skimming: Stealing credit card information with an electronic device, which is then transferred to another card. It can be done either by placing the skimming device on the top of a regular credit card reader, or by swiping the card through an electronic device that can copy the information on the credit card. 
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