Im gonna be the 1st sponsor to publicly out paycom.

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  • SmokeyTheBear
    ►SouthOfHeaven
    • Jun 2004
    • 28609
    #51
    i wonder if this has anything to do with the epassporte " gift accounts" that are being created on behalf of surfers who signup to paycom sites , perhaps if they cant create the epassporte account the signups are being scrubbed.

    i could be way off base here though..
    hatisblack at yahoo.com

      Comment

      • s9ann0
        Confirmed User
        • Sep 2001
        • 4873
        #52
        so what you are complaining about basically is they upped their scrub for some reason?

        you know shit happens I am sure they are processing as many cards as they can without losing their merchant account

          Comment

          • RRRED
            Confirmed User
            • Jan 2001
            • 6754
            #53
            Originally posted by bigdog
            How many of the big sponsors acutally process through their own merchant account these days?
            We do

              Comment

              • RRRED
                Confirmed User
                • Jan 2001
                • 6754
                #54
                Btw smokey do you wanna do this thang or not?

                  Comment

                  • pornguy
                    Too lazy to set a custom title
                    • Mar 2003
                    • 62910
                    #55
                    Sounds like another processor headed out.
                    PornGuy skype me pornguy_epic

                    AmateurDough The Hottes Shemales online!
                    TChicks.com | Angeles Cid | Mariana Cordoba | MAILERS WELCOME!

                      Comment

                      • gentmaster
                        So Fucking Banned
                        • Jun 2005
                        • 432
                        #56
                        Why bring this up on a weekend guys.. But here's a bump for the players.

                          Comment

                          • p1mpdogg
                            Too lazy to set a custom title
                            • Nov 2002
                            • 16714
                            #57
                            Originally posted by gentmaster
                            Why bring this up on a weekend guys.. But here's a bump for the players.

                            just to piss them off like they have pissed me off.
                            A fast fortune is easy to earn! Just go with a winner!

                              Comment

                              • Lace
                                Too lazy to set a custom title
                                • Mar 2004
                                • 16116
                                #58
                                Originally posted by DynaSpain
                                one word: VXSBILL
                                thats not one word...
                                Your Paysite Partner
                                Strength In Numbers!
                                StickyDollars | RadicalCash | KennysPennies | HomegrownCash

                                  Comment

                                  • Wiseman
                                    Confirmed User
                                    • Jan 2002
                                    • 2990
                                    #59
                                    This is Awesome I think Pimple on my Ass and Quickbuck may be agreeing on some shit here today. Lets mark this on our calendar folks. ITs pretty extreme the difference between our merchant and paycom. And we dont have our merchant set to some non existant scrub ratio. And our Rebills wow lets not even discussthe different in rebills. In Paycom We Trust is how its been with us for years. And I think we will never stop processing with them. But I sure would like some sort of stability. It is really hard on my affiliates. When they send me traffic and one day they send 75 joins and the next day they only send 45 and the next its 35 then the next is 104. It makes them question me. And all I can do is say I will look into this.

                                    IN PAYCOM WE TRUST! cmon paycom help us all out here!!
                                    [*]E-mail: [email protected][*]ICQ: 109726012[*]AIM: QbWiseman

                                      Comment

                                      • GigoloMason
                                        Confirmed User
                                        • May 2005
                                        • 742
                                        #60
                                        We've had some problems with paycom lately as well, one of them being fairly major.

                                          Comment

                                          • WiredGuy
                                            Pounding Googlebot
                                            • Aug 2002
                                            • 34515
                                            #61
                                            I'm not a program owner but I have noticed that the sites which do process with epoch as their primary a huge decline in the past 2 weeks. Yesterday was actually the first day it seems to have spiked back to normal, but the last 2 weeks have been extremely horrid to look at my sales ratio.
                                            WG
                                            I play with Google.

                                              Comment

                                              • bigdog
                                                Confirmed User
                                                • Jul 2001
                                                • 6964
                                                #62
                                                Originally posted by Wiseman
                                                This is Awesome I think Pimple on my Ass and Quickbuck may be agreeing on some shit here today. Lets mark this on our calendar folks. ITs pretty extreme the difference between our merchant and paycom. And we dont have our merchant set to some non existant scrub ratio. And our Rebills wow lets not even discussthe different in rebills. In Paycom We Trust is how its been with us for years. And I think we will never stop processing with them. But I sure would like some sort of stability. It is really hard on my affiliates. When they send me traffic and one day they send 75 joins and the next day they only send 45 and the next its 35 then the next is 104. It makes them question me. And all I can do is say I will look into this.

                                                IN PAYCOM WE TRUST! cmon paycom help us all out here!!
                                                Thats tough because affilates are going to assume you are shaving them

                                                  Comment

                                                  • RRRED
                                                    Confirmed User
                                                    • Jan 2001
                                                    • 6754
                                                    #63
                                                    Are you SURE that it's paycom? I wish someone would mention other possible reasons if anyone gets what I mean...

                                                      Comment

                                                      • chadglni
                                                        Confirmed User
                                                        • Dec 2002
                                                        • 6924
                                                        #64
                                                        Originally posted by RRRED
                                                        Are you SURE that it's paycom? I wish someone would mention other possible reasons if anyone gets what I mean...
                                                        And I wish you'd post some naked pics!


                                                        Sign up here - Dating Site affiliate program

                                                          Comment

                                                          • Why
                                                            MFBA
                                                            • Mar 2003
                                                            • 7230
                                                            #65
                                                            Eurobill is first on our cascades, and then paycom.

                                                            no real complaints about paycom here.

                                                              Comment

                                                              • Doctor Dre
                                                                Too lazy to set a custom title
                                                                • Jan 2001
                                                                • 51692
                                                                #66
                                                                Originally posted by bigdog
                                                                No one talks much shit about paycom, mostly everyone talks bad about ccbill it seems
                                                                Lots of paycom talk since Chris Mallick left... lot of paycom talk...
                                                                Originally posted by rayadp05
                                                                I rebooted, deleted temp files, history, cookies and everything...still cannot view the news clip. All I see is that fucking gay ass music video from "Rick Roll". Anyone else have a different link to the news clip?

                                                                  Comment

                                                                  • Drake
                                                                    Hello world!
                                                                    • Mar 2003
                                                                    • 12508
                                                                    #67
                                                                    Originally posted by RRRED
                                                                    Are you SURE that it's paycom? I wish someone would mention other possible reasons if anyone gets what I mean...
                                                                    Such as?

                                                                      Comment

                                                                      • FUCKuPAYme
                                                                        Confirmed User
                                                                        • Jan 2003
                                                                        • 1023
                                                                        #68
                                                                        I think most of the declines are from bank declines that have nothing to do with Epoch.

                                                                        the negative database has grown quite a bit in the past few years so I'm sure it gets harder everyday to proccess cards

                                                                        Our sales have not dropped we are growing at a rapid rate but I have noticed the credits and CB's have gone up some in the past couple months
                                                                        SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, then you may use a 624x80 instead of a 120x60.

                                                                          Comment

                                                                          • OldSchoolJim
                                                                            Confirmed User
                                                                            • Nov 2004
                                                                            • 3117
                                                                            #69
                                                                            When they send me traffic and one day they send 75 joins and the next day they only send 45 and the next its 35 then the next is 104. It makes them question me. And all I can do is say I will look into this.
                                                                            GODDAMN! i just found myself agreeing with Wiseman!
                                                                            This is where the shave allegations come in.....because some affilites feel that it is our fault if they do not do the exact same number of joins every day....

                                                                              Comment

                                                                              • RRRED
                                                                                Confirmed User
                                                                                • Jan 2001
                                                                                • 6754
                                                                                #70
                                                                                Originally posted by Mike33
                                                                                Such as?
                                                                                I'm just a dumb girl

                                                                                Someone will figure it out and be brave enough to post it eventually.

                                                                                  Comment

                                                                                  • ServerGenius
                                                                                    Confirmed User
                                                                                    • Feb 2002
                                                                                    • 9377
                                                                                    #71
                                                                                    Originally posted by Lace
                                                                                    thats not one word...
                                                                                    You're correct and a smart cookie......you quoted it so now it's got double
                                                                                    the attention, I'm a marketing genius

                                                                                    note: I'm not affiliated to vxsbill in any way....I just think they're one of the
                                                                                    very few that are on top of the game. Their rates, system and service has
                                                                                    amazed me in a very positive way.
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                                                                                      Comment

                                                                                      • Wiseman
                                                                                        Confirmed User
                                                                                        • Jan 2002
                                                                                        • 2990
                                                                                        #72
                                                                                        Originally posted by EpicJim
                                                                                        GODDAMN! i just found myself agreeing with Wiseman!
                                                                                        This is where the shave allegations come in.....because some affilites feel that it is our fault if they do not do the exact same number of joins every day....

                                                                                        I tell you what Jim. If I lose a webmaster who sends me 50-100 sales a day because of this shit. I guarentee you Quickbuck will no longer be processing with paycom in a heart beat!
                                                                                        And this is exactly the problem I am haveing is the thaughts that we could be shaveing them. I pride myself in keep very good relation ships with my affiliates so obviously he feels we arent shaveing. But obviuosly it is in the back of his head. and Rightly so!
                                                                                        But when they send to me and they also send to another program who uses paycom. And the other program doesnt have the same problems is when it really gets messy.
                                                                                        Why this is I dont know. Only thing I can think of is because someone is scratching someone elses back. Now obviously I have talked with paycom and they ensure me this isnt so. So I have no choice but to believe them. But at what point do we stop believeing them? When other programs are sitting here outing them for the exact same issues we are haveing. SIIIIGH this sucks. I love paycom and I hate to see this shit going on and people questioning shit. but FUCK!! I got a buisness to Run!
                                                                                        [*]E-mail: [email protected][*]ICQ: 109726012[*]AIM: QbWiseman

                                                                                          Comment

                                                                                          • seeric
                                                                                            ..........
                                                                                            • Aug 2004
                                                                                            • 41917
                                                                                            #73
                                                                                            one thing for sure, it doesnt make paycom any richer to not take the transactions seeings how thats the business they are in.
                                                                                            Last edited by seeric; 04-08-2006, 02:14 PM.

                                                                                              Comment

                                                                                              • Major (Tom)
                                                                                                So Fucking Banned
                                                                                                • Nov 2003
                                                                                                • 32492
                                                                                                #74
                                                                                                i've been flipping processors like toyboy flipping dwreck.
                                                                                                everyone i use its the same result. I think its that time of year. From what I gather, everything looks kosher.. No more scrubbing than when i get hit with it in the past. If it keeps up, yea, im going to look into alternatives. But right now it just seems like the typical cycle.
                                                                                                Cheers
                                                                                                Duke

                                                                                                  Comment

                                                                                                  • Miguel
                                                                                                    Confirmed User
                                                                                                    • Apr 2004
                                                                                                    • 2978
                                                                                                    #75
                                                                                                    Just a small note. Segpay shows absolutely all transactions in a convinient way. So you can count the actual scrub level.
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                                                                                                      Comment

                                                                                                      • Markit
                                                                                                        Confirmed User
                                                                                                        • Oct 2003
                                                                                                        • 1305
                                                                                                        #76
                                                                                                        GodDamnit shit level is growing too fast lately



                                                                                                        .

                                                                                                          Comment

                                                                                                          • AmeliaG
                                                                                                            Too lazy to set a custom title
                                                                                                            • Jan 2003
                                                                                                            • 10667
                                                                                                            #77
                                                                                                            Originally posted by SomeCreep
                                                                                                            Always remember, no matter where you go, there you are.
                                                                                                            I love that movie.
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                                                                                                              • Kingfish
                                                                                                                Confirmed User
                                                                                                                • Sep 2002
                                                                                                                • 668
                                                                                                                #78
                                                                                                                I think the scrub has increased some but you also have to look at current economic conditions. Gas is just under $3 a gallon, high heating costs, most major credit card companies increased their minimum payments which roughly doubled minimum monthly credit card payments for people that carry a balance and rising interest rates have put the squeeze on people with variable rate loans. The bottom line is that a lot of people have a lot less disposable income now.

                                                                                                                  Comment

                                                                                                                  • StuartD
                                                                                                                    Sofa King Band
                                                                                                                    • Jul 2002
                                                                                                                    • 29903
                                                                                                                    #79
                                                                                                                    Originally posted by p1mpdogg
                                                                                                                    MULTILE ... repated ... anythiung ... becaiuse
                                                                                                                    Had a drink or two before this post?

                                                                                                                    just buggin, not questioning the paycom thing or anything
                                                                                                                    This is me on facebook
                                                                                                                    This is me on twitter

                                                                                                                      Comment

                                                                                                                      • tony299
                                                                                                                        lurker
                                                                                                                        • Aug 2002
                                                                                                                        • 57021
                                                                                                                        #80
                                                                                                                        Originally posted by Kingfish
                                                                                                                        I think the scrub has increased some but you also have to look at current economic conditions. Gas is just under $3 a gallon, high heating costs, most major credit card companies increased their minimum payments which roughly doubled minimum monthly credit card payments for people that carry a balance and rising interest rates have put the squeeze on people with variable rate loans. The bottom line is that a lot of people have a lot less disposable income now.
                                                                                                                        you have a very strong and sad point. I notice gas prices do effect our business.

                                                                                                                          Comment

                                                                                                                          • ANAL PASTE
                                                                                                                            Confirmed User
                                                                                                                            • Mar 2006
                                                                                                                            • 9064
                                                                                                                            #81
                                                                                                                            Originally posted by p1mpdogg
                                                                                                                            everything under the sun. Im not affraid to admit it.

                                                                                                                            ratios, rebills, credits, cb's the whole nine yards. I will not mention the other programs that have been talking in private, but they are way bigger than epic and alot smaller. so this is not isolated. something is up and I want answers.
                                                                                                                            I thought you have your own merchant account?
                                                                                                                            SEE YOU IN VALHALLA, BRO

                                                                                                                              Comment

                                                                                                                              • AmeliaG
                                                                                                                                Too lazy to set a custom title
                                                                                                                                • Jan 2003
                                                                                                                                • 10667
                                                                                                                                #82
                                                                                                                                Originally posted by Kingfish
                                                                                                                                I think the scrub has increased some but you also have to look at current economic conditions. Gas is just under $3 a gallon, high heating costs, most major credit card companies increased their minimum payments which roughly doubled minimum monthly credit card payments for people that carry a balance and rising interest rates have put the squeeze on people with variable rate loans. The bottom line is that a lot of people have a lot less disposable income now.

                                                                                                                                I think this is a really good point. Maybe the average person just has adult membership sites at a lower priority now. Our industry is pretty recession-proof, but not 100%
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                                                                                                                                  Comment

                                                                                                                                  • Snake Doctor
                                                                                                                                    I'm Lenny2 Bitch
                                                                                                                                    • Mar 2001
                                                                                                                                    • 13449
                                                                                                                                    #83
                                                                                                                                    This is the first paycom ratio thread I've seen in quite some time.
                                                                                                                                    During March the front page of GFY was littered with people complaining about ccbill ratios.
                                                                                                                                    So perhaps it's not limited to one IPSP.

                                                                                                                                    On another note, summer does start in 2 months, so starting last month is the time of year you figure the "scrub" would be highest.
                                                                                                                                    Also it's still spring break in lots of places right?
                                                                                                                                    sig too big

                                                                                                                                      Comment

                                                                                                                                      • Quick Buck
                                                                                                                                        Confirmed User
                                                                                                                                        • Feb 2006
                                                                                                                                        • 1026
                                                                                                                                        #84
                                                                                                                                        i'm pretty sure gas prices arent the source of the problem.
                                                                                                                                        $50 FREE TRIALS! Every Day til 2008!!!
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                                                                                                                                          Comment

                                                                                                                                          • SomeCreep
                                                                                                                                            :glugglug
                                                                                                                                            • Mar 2003
                                                                                                                                            • 26118
                                                                                                                                            #85
                                                                                                                                            Originally posted by AmeliaG
                                                                                                                                            I love that movie.
                                                                                                                                            omg, I didnt think anyone would recognize that quote!

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                                                                                                                                              Comment

                                                                                                                                              • media
                                                                                                                                                Confirmed Moneymaker
                                                                                                                                                • Apr 2002
                                                                                                                                                • 9853
                                                                                                                                                #86
                                                                                                                                                I like paycom, but jesus christ these ratios lately have been sucking ass... We saw a huge bump in numbers when we switched to nats, and the rebills are way lower than they should be this last week... Almost like someone pulled the plug on the rebill server...

                                                                                                                                                I hope for the sake of paycom they get their shit together with throughput, because we will find alternative solutions if we have to, hell we are not even doing prechecked crosses right now, so it would not bug me one bit to pull the plug and move away..

                                                                                                                                                I'll step up and say that I am one of the people having a big issue with accepting things are A-OK with paycom...
                                                                                                                                                I'm here for the violence!

                                                                                                                                                  Comment

                                                                                                                                                  • media
                                                                                                                                                    Confirmed Moneymaker
                                                                                                                                                    • Apr 2002
                                                                                                                                                    • 9853
                                                                                                                                                    #87
                                                                                                                                                    Originally posted by Kingfish
                                                                                                                                                    I think the scrub has increased some but you also have to look at current economic conditions. Gas is just under $3 a gallon, high heating costs, most major credit card companies increased their minimum payments which roughly doubled minimum monthly credit card payments for people that carry a balance and rising interest rates have put the squeeze on people with variable rate loans. The bottom line is that a lot of people have a lot less disposable income now.
                                                                                                                                                    US Taxes are also due on the 15th... This COULD be one issue, but last year this time there was not such a drastic decrease.. so there is more to it... Gas, Heating, has always been an issue.. And always will be.. this was more drastic of a decrease than that..
                                                                                                                                                    I'm here for the violence!

                                                                                                                                                      Comment

                                                                                                                                                      • Mutt
                                                                                                                                                        Too lazy to set a custom title
                                                                                                                                                        • Sep 2002
                                                                                                                                                        • 34431
                                                                                                                                                        #88
                                                                                                                                                        wanna keep up the shenanigans with the pre-crossed x-sells and whatever else Paycom allows or encourages - don't be surprised when there are troubles- pay me now or pay me later. why do you think CCBILL is so much more conservative than Paycom? CCBILL will be the last third party processor standing - I hope when all the big PPS programs make CCBILL primary that CCBILL remains as conservative as they are to ensure the livlihoods of the thousands of small mom and pop paysite operators who made CCBILL.
                                                                                                                                                        I moved my sites to Vacares Hosting. I've saved money, my hair is thicker, lost some weight too! Thanks Sly!

                                                                                                                                                          Comment

                                                                                                                                                          • Linkster
                                                                                                                                                            Confirmed User
                                                                                                                                                            • Feb 2003
                                                                                                                                                            • 3216
                                                                                                                                                            #89
                                                                                                                                                            Being an affiliate for many years I can only see that side of things but I can tell you that programs using Paycom are definitely showing a huge downward trend over the last month
                                                                                                                                                            I dont believe it has anything to do with recession, as in the past they have always sparked higher sales - and Ive lived through many summers where people complained of a slowdown but never really saw much effect from that except back more than 6 years ago when the college kids were posing a huge effect on sales and the day after Christmas saw the sales go off the hook - not anymore though.
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                                                                                                                                                              Comment

                                                                                                                                                              • media
                                                                                                                                                                Confirmed Moneymaker
                                                                                                                                                                • Apr 2002
                                                                                                                                                                • 9853
                                                                                                                                                                #90
                                                                                                                                                                Originally posted by Linkster
                                                                                                                                                                I dont believe it has anything to do with recession, as in the past they have always sparked higher sales
                                                                                                                                                                Sil, on which businesses over time, have proven to be recession-proof: "Certain aspects of the entertainment industry and...uh, our thing." - Tony Soprano
                                                                                                                                                                I'm here for the violence!

                                                                                                                                                                  Comment

                                                                                                                                                                  • looky_lou
                                                                                                                                                                    Confirmed User
                                                                                                                                                                    • Mar 2003
                                                                                                                                                                    • 1771
                                                                                                                                                                    #91
                                                                                                                                                                    As an affiliate doing basically the same thing since 1995, this is the biggest drop in sales over a two week period that I have ever seen. My sales across the board are down 60% from last month and last month was a pretty shity month to begin with.

                                                                                                                                                                    I don't know what the cause is, but it covers all processors as far as I can tell. I started two weeks ago complaining about CCBill, but now it seems the sales are down for all of my non-ccbill sponsors as well.

                                                                                                                                                                    I hope things pick up soon.

                                                                                                                                                                    Lou
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                                                                                                                                                                      • GigoloMason
                                                                                                                                                                        Confirmed User
                                                                                                                                                                        • May 2005
                                                                                                                                                                        • 742
                                                                                                                                                                        #92
                                                                                                                                                                        Our problems were related to them fucking really stupid shit up, not even mentioning the scrub\rebill issues we've had.

                                                                                                                                                                        I get more frustrated by the fact it takes like an hour on the phone to even get their support to acknowledge the problem is most likely their fault hehe.

                                                                                                                                                                          Comment

                                                                                                                                                                          • czarina
                                                                                                                                                                            Webmaster Extraordinaire
                                                                                                                                                                            • Jul 2002
                                                                                                                                                                            • 10751
                                                                                                                                                                            #93
                                                                                                                                                                            Originally posted by Manowar
                                                                                                                                                                            i decided to be contextual
                                                                                                                                                                            define contextual. For instance, what do you mean by contextual in this context?

                                                                                                                                                                              Comment

                                                                                                                                                                              • Wiseman
                                                                                                                                                                                Confirmed User
                                                                                                                                                                                • Jan 2002
                                                                                                                                                                                • 2990
                                                                                                                                                                                #94
                                                                                                                                                                                Originally posted by looky_lou
                                                                                                                                                                                As an affiliate doing basically the same thing since 1995, this is the biggest drop in sales over a two week period that I have ever seen. My sales across the board are down 60% from last month and last month was a pretty shity month to begin with.

                                                                                                                                                                                I don't know what the cause is, but it covers all processors as far as I can tell. I started two weeks ago complaining about CCBill, but now it seems the sales are down for all of my non-ccbill sponsors as well.

                                                                                                                                                                                I hope things pick up soon.

                                                                                                                                                                                Lou
                                                                                                                                                                                Lou hit me up we do use our own merchant I set you up with an acount so all you send to is our merchant sites only. It is a large increase in conversions right now.
                                                                                                                                                                                [*]E-mail: [email protected][*]ICQ: 109726012[*]AIM: QbWiseman

                                                                                                                                                                                  Comment

                                                                                                                                                                                  • MikeSmoke
                                                                                                                                                                                    Confirmed User
                                                                                                                                                                                    • Nov 2002
                                                                                                                                                                                    • 3241
                                                                                                                                                                                    #95
                                                                                                                                                                                    Originally posted by GigoloMason
                                                                                                                                                                                    Our problems were related to them fucking really stupid shit up, not even mentioning the scrub\rebill issues we've had.

                                                                                                                                                                                    I get more frustrated by the fact it takes like an hour on the phone to even get their support to acknowledge the problem is most likely their fault hehe.
                                                                                                                                                                                    this is why we switched to CC Bill as our primary well over a year ago...

                                                                                                                                                                                    icq: 541-739-92

                                                                                                                                                                                      Comment

                                                                                                                                                                                      • p1mpdogg
                                                                                                                                                                                        Too lazy to set a custom title
                                                                                                                                                                                        • Nov 2002
                                                                                                                                                                                        • 16714
                                                                                                                                                                                        #96
                                                                                                                                                                                        paycom rocks!
                                                                                                                                                                                        A fast fortune is easy to earn! Just go with a winner!

                                                                                                                                                                                          Comment

                                                                                                                                                                                          • Snake Doctor
                                                                                                                                                                                            I'm Lenny2 Bitch
                                                                                                                                                                                            • Mar 2001
                                                                                                                                                                                            • 13449
                                                                                                                                                                                            #97
                                                                                                                                                                                            Originally posted by p1mpdogg
                                                                                                                                                                                            paycom rocks!


                                                                                                                                                                                            678
                                                                                                                                                                                            sig too big

                                                                                                                                                                                              Comment

                                                                                                                                                                                              • BluMedia
                                                                                                                                                                                                Confirmed User
                                                                                                                                                                                                • Dec 2002
                                                                                                                                                                                                • 3973
                                                                                                                                                                                                #98
                                                                                                                                                                                                We haven't seen that much of difference in sales with the exception of the first 2 weeks in February there was a huge drop. After that is picked back up but things seem to have slowed down a little. We usually have Paycom for our first cascade and ccbill in our 2nd. We have switched CCBill to the 1st cascade and have not seen that much of a difference in signups. Sales are definitely slower than normal though so it is hard to say why.

                                                                                                                                                                                                I would say though that ever since credit card raised the minimum payments and bend over consumers with up to 29% interest things got worse. I had credit cards at 23% at one time and paid more than the minimum payment and my balance went up and I wasn't charging anything. I couldn't imagine having to pay 29%. I think because of this consumers credit cards are maxed out like never before. I checked and just yesterday we had over 100 declines which seems to go up and up. Anyone else see a huge increase in declines? Chargebacks and credits have gone up as well. All of these things tell me consumers have less money avaliable on their credit cards which might be the decrease in sales. Just my

                                                                                                                                                                                                Mark
                                                                                                                                                                                                Last edited by BluMedia; 04-09-2006, 12:25 AM.
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                                                                                                                                                                                                  • SmokeyTheBear
                                                                                                                                                                                                    ►SouthOfHeaven
                                                                                                                                                                                                    • Jun 2004
                                                                                                                                                                                                    • 28609
                                                                                                                                                                                                    #99
                                                                                                                                                                                                    Originally posted by BluMedia
                                                                                                                                                                                                    I would say though that ever since credit card raised the minimum payments .
                                                                                                                                                                                                    haha i was just about to mention the new increased minimum monthly payments that visa was forced to comply with..it might be hurting surfers in t he pocketbook,
                                                                                                                                                                                                    hatisblack at yahoo.com

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                                                                                                                                                                                                      • Paul Markham
                                                                                                                                                                                                        Too old to care
                                                                                                                                                                                                        • Jun 2001
                                                                                                                                                                                                        • 52942
                                                                                                                                                                                                        #100
                                                                                                                                                                                                        I'm assuming that Paycom tell you the reason for the decline in the Decline email, any trend there?

                                                                                                                                                                                                        But if you really want to know what is happening get a bunch of people to sign up to you and/or others and see what the surfer experiences.



                                                                                                                                                                                                        Blowout deal. 880 videos, 2,400 image sets, plus many RAW videos. $500.
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