your balance divided by your credit limit ideally would be below 30% on each credit card. Automatic Payments. 1. Even if you have bad credit, you should still weigh your options with care before applying. Some cards. http://bit.ly/2YTMuQM Visit the Dave. Improve your ratio by either increasing income or decreasing debt. 37. There are obviously only two possible outcomes after you apply for a credit card: acceptance or denial. For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site atwww.ftc.gov. Or, instead of rewards cards, you could consider, cards designed for people with bad credit, Some personal finance websites, including NerdWallet, offer a. from VantageScore. A Encode in EO1 format and provide a hash of the original file on the drive. B. Lucca only needs a verifiable MD5 hash to validate the files under most circumstances. Cash back, 0% APR, balance transfer shop our Best-Of Awards to see the years top credit cards. Minimum interest is $2.00 per credit plan. Frank can search for account creation events under event ID 4720 for modern Windows operating systems. A. Purging requires complete removal of data, and cryptographic erase is the only option that will fully destroy the contents of a drive from this list. Unlike secured cards, student cards don't require a security deposit, but they do generally have low limits until you have more experience with credit and more income. . Notification to the bank is part of this type of response effort. Read more. B Circumstantial evidence (If you plan to shop in person, not online, note that . B Beacon protocol Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases. D Frank does not need to make a change; this is a default setting. If Eraser is not typically installed on his organization's machines, Tim should expect that the individual being investigated has engaged in some antiforensic activities including wiping files that may have been downloaded or used against company policy. D. The chain of custody for evidence is maintained by logging and labeling evidence. 41. What is this process called? Excludes items shipped directly from third party brands, clearance, and Style Steals. Which of the following is not a common method of monitoring network bandwidth usage? External mode can be useful if your organization has custom password policies that you want to tweak the tool to use. 6. How can he safely create a fingerprint for this beaconing without modifying the infected system? If you're applying with a low credit score, you may be offered a low credit limit, such as $500, Ulzheimer says. . A 4 means read-only, a 5 means read and execute, without write, and so on. The content It includes information about whether you pay your bills on time and how much you owe to creditors. The information about what patches were installed is retained in /var/log/apt, although log rotation may remove or compress older update information. If your application is denied, dont despair. Selah is preparing to collect a forensic image for a Macintosh computer. # df -h /var/ Understand where the client is coming from - ask their credit card history and standing. B. B 544, 444, 545 Suppose that a student guesses on every questions of a multiple choices test consisting of 20 questions and each has 5 questions.what is the probabili A The var partition is full and needs to be wiped. DEP is a Windows tool for memory protection, and position-independent variables are a compiler-level protection that is used to secure programs when they are compiled. 8. Which of the following threats can be most effectively dealt with via awareness? I will give a lot of points to whoever tells me who is the best male rapper of all time. Mika should also have photos taken by the on-site investigators to match her re-assembly work to the on-site configuration. C All slack space cleared Which Sysinternals tool will provide him with this functionality? A full 30% of your credit score is determined by how much you owe. 38. After she signs off on the chain of custody log and starts to prepare for her investigation, one of the first things she notes is that each cable and port was labeled with a color-coded sticker by the on-site team. 2A your house number is 32. B Encode in FTK format and provide a hash of the new file on the drive. and have not been previously reviewed, approved or endorsed by any other Apply for your secured credit card in minutes and get your finances back on track. And the penalty APR can be up to 29.99% if your payment is late. 36. Why dont I qualify for that card? Enjoy these top rewards and special benefits when you use the Jessica London credit card: No annual fee 2 No need to worry about annual charges! B A Jabber server with TLS enabled Your credit score can change, depending on how your credit history changes. They may also review your current financial obligations, like rent or mortgage payments.Understand terms and conditionsWhen you sign a credit card application, youre agreeing to the terms and conditions in a contract. Sending an application through the mail is typically the slowest way to apply for a card. A Sanitization He has removed the system from his network by unplugging its network cable, as required by corporate policy. Unless she already knows the protocol that a particular beacon uses, filtering out beacons by protocol may cause her to miss beaconing behavior. WASHINGTON, D.C. - Today, the Consumer Financial Protection Bureau (CFPB) updated existing regulations to make it easier for spouses or partners who do not work outside of the home to qualify for credit cards. What does he need to attempt password recovery on the system? A Single crack mode Finally, FileVault keys can be recovered from iCloud, providing her with a third way to get access to the drive. She should look at retaining third-party experts for incidents if she needs additional skills or expertise on her IR team. While working to restore systems to their original configuration after a long-term APT compromise, Charles has three options. 1. This influences which products we write about and where and how the product appears on a page. All cards. Banks differ on how they grant approvals, but scores are typically classified by lenders like this: Most rewards credit cards require good or excellent credit. Jessica London Credit Card accounts are issued by Comenity Bank. 47. A Different patch levels during the scans In general, the easiest cards to get with fair credit will be the bare-bones starter cards; the ones without annual fees can be great for building credit, though, if you're able to pay an annual fee, you can also likely find a card with purchase rewards. The best first-time credit card for you may be a secured card or student credit card. B Re-imaging 2 minute application process with no credit score requirement. A. Chris needs both /etc/passwd and /etc/shadow for John to crack the passwords. she does not have an account with the bank she has a bad credit history she has a good credit history she is 18 years old she doesn't have a job 2 See answers Advertisement Answer bad credit history/ she has no job. If you are in no rush to receive a new card, just let the review run its course. Hardware write blockers can ensure that connecting or mounting the drive does not cause any changes to occur on the drive. , updated weekly, for monitoring throughout the year. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen . And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. These cards typically offer rewards in a variety of categories.Rewards Cards:Credit card rewards are a great way to turn your everyday spending go further. D She should select herself. Try these alternative options, A full 30% of your credit score is determined by how much you owe. More Details Rewards Terms & Conditions. D Review the Windows firewall log for traffic logs. What could be the possible reason behind the bank's refusal to comply with Jessica's request? A Attrition In the scoring system we used, scores can range from 479 to the best possible score, 898. A A discovery scan using a port scanner. Know the essentials about your credit report and score before applying for credit. Clearing the drives leaves the possibility of data recovery, while purging, as defined by NIST SP 800-88, renders data recovery infeasible. 49. can be as simple as entering your information. Note: Credit card offers are subject to credit approval. Scamming: How to get Debit Card Info in 2023 - If want Free Fraud Lessons, a valid source for Dumps, Debits, Credit Cards/CCs, Fullz, Credit Card Cloning Software, ATM ready Cloned Cards, OTP Bypass Software and more message @AMMIGOBOT on Telegram or click the link in my profile bio - Get Active FileVault 2 keys can be recovered from memory for mounted volumes and much like BitLocker, it suggests that users record their recovery key, so Jessica may want to ask the user or search their office or materials if possible. 777 provides the broadest set of permissions, and 000 provides the least. Visit http://www.jessicalondon.com/ for details. Adam should encrypt the drive image and provide both the hash of the image and the decryption key under separate cover (sent via a separate mechanism) to ensure that losing the drive itself does not expose the data. And consider paying off purchases more than once a month to keep your balance lower throughout the month. B. His awards include national recognition several times from the Society for Advancing Business Editing and Writing. B. SNMP, packet sniffing, and netflow are commonly used when monitoring bandwidth consumption. B Bit-by-bit In most cases, youll have to provide your Social Security number, for example. Since Alex suspects that the attacker used statically linked libraries, the file command is the best command to use for this scenario. Once you get access to credit, build credit with your credit card by: Beverly Harzog is a nationally recognized personal finance Customer service agents are more likely to respond positively if you have a pleasant demeanor. If cardholders later qualify for a regular, unsecured card, they can get their deposit back.Student Cards:Getting astudent credit cardwill require submitting proof that youre a student, but doesnt require any security deposit. B Check the user profile creation date. What if there are mistakes in your credit report? Note: Credit card offers are subject to credit approval. VantageScores and FICO scores track similarly because both weigh much the same factors and use the same data from the credit bureaus. Rewards for every 200 points earned at any FULLBEAUTY Brand 3. asked by Danilo May 14, 2022 1 answer #1: Bad credit card history #2: doesn't have a job answered by ? It only takes 3 minutes! Credit card companies may need to verify your income to determine if you qualify for credit. Business information is required. Get the answers you need fast by choosing a topic from our list of most frequently asked questions. Escalating may be possible in some circumstances, but the scenario specifies that the system must remain online. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session. A Perform a snapshot of the system, boot it, suspend the copied version, and copy the directory it resides in. That's not all, though. 30. Consistent, responsible use, including on-time payments, can help you earn a credit line increase. By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email. B. Re-assembling the system to match its original configuration can be important in forensic investigations. Which of the following actions should be included in this phase? Experience the must-have credit account for Jessica London customers. You have a right to dispute any inaccurate information in your credit report. D All. Earn $10 rewards* for every 400 points earned at all FULLBEAUTY Brands, 20% off birthday coupon^ & double points during your birthday month*, Earn $10 Rewards* Get 2 points for every $1 you spend on your Jessica London Credit Card at any of the FULLBEAUTY brands. Jessica wants to access a macOS FileVault 2-encrypted drive. The deposit lowers the issuer's risk and makes the card easier for you to get as long as you have the funds for it. com,, according to dating. All members of symphony orchestras spend long hours practicing. Before youapply for a credit card, its important to educate yourself and practice good credit habits from the beginning. D None of the above. With good credit, you can access card features such as introductory rates, sign-up bonuses and other money-saving benefits. A secpol.ms He has decades of experience in digital and print media, including stints as a copy desk chief, a wire editor and a metro editor for the McClatchy newspaper chain. Card issuers use income to calculate your debt-to-income ratio, which helps determine your ability to make payments. A Her lead IT support staff technician As long as youre 21 or older, you can include your household income, including income from your spouse or partner, on your credit card application. This action cannot be undone. Apt. Bread Financial. Secured, student, store and alternative credit cards are fairly easy to be approved for, even if your credit score isn't great. D. Linux permissions are read numerically as "owner, group, other." You will be eligible for better rates than someone with fair. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. 19. Please see the credit card agreement for details. So how do we make money? What if there are mistakes in your credit report? D Reviewing a central administration tool like SCCM. This card also rewards cardholders with 1.5% cash back on all purchases and has a $0 annual fee. A file 3. A The NX bit and ASLR Finally, FileVault keys can be recovered from iCloud, providing her with a third way to get access to the drive. If Brian's company experiences a breach of card data, what type of disclosure will they be required to provide? A Update system documentation. By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email. The organization that Alex works for classifies security related events using NIST's standard definitions. Greg Karp is a former NerdWallet writer and an expert in personal finance and credit cards. Must have made a purchase in the last 12 months and account must be in good standing to receive Birthday offer. C HFS+ Which classification should he use when he discovers key logging software on one of his frequent business traveler's laptop? OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, How to Apply for a Credit Card So Youll Get Approved. Whether its your very first credit card or youre looking to add another to your wallet, use the information in this article to better understand the process, from preparing to apply all the way through acceptance. D External mode. A Jabber server with TLS may be a reasonable solution but is less secure than a Signal-based application. Deposit. no matter which company is issuing the card. Customer service agents are more likely to respond positively if you have a pleasant demeanor. The drives contained information that his organization classifies as sensitive data that competitors would find valuable if they could obtain it. Credit cards for people with bad credit can help you improve your score and rebuild your credit. 12. C. The amount of metadata included in photos varies based on the device used to take them, but GPS location, GPS timestamp-based time (and thus correct, rather than device native), and camera type can all potentially be found. A Cryptographic erase D Decrypt the RAW file and transfer a hash under separate cover. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Can't get a credit card? Buy Xanax Online Legally in Florida. 1 point earned for every $1 spent with your card.3 Exclusive Cardmember-Only Customer Service Telephone Lisa is following the CompTIA process for validation after a compromise. 3. If he cannot suspend or shut down the machine for business reasons, what imaging process should he follow? 32. C Improper usage Card issuers use income to calculate your. Retail store cards may have easy approvals to encourage loyalty among customers. This will give him the best forensic copy achievable under the circumstances. C Sparse By clicking "Cancel", this form will not be submitted and you will return to http://www.jessicalondon.com/. C. Local scans often provide more information than remote scans because of network or host firewalls that block access to services. Organizations that process credit cards work with acquiring banks to handle their card processing, rather than directly with the card providers. Get a credit card thats right for you. High credit card balances can be especially damaging. For some, it requires a little know-how and planning before applying. Whenever you use a credit card, you are actually borrowing money that you will pay back over time or in full. If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. It all starts with knowing where you can get a credit card, and it all comes down to what youre most comfortable with and applying for the right card. D NTFS. 21. This will let him verify that the file he downloaded matches the hash of the file that the vendor believes they are providing. She can then track down where the device is physically connected to the port on the router or switch to determine whether the device should be there. Mika wants to analyze the contents of a drive without causing any changes to the drive. Credit card companies are required by the CARD Act of 2009 to use certain approval factors to make sure you can pay back what you charge. Banks differ on how they grant approvals, but scores are typically classified by lenders like this: Most rewards credit cards require good or excellent credit. 4X . To get approved for a credit card, youll also need to provide proof that you have the ability to make payments. This will help ensure users know what they are permitted to do and what is prohibited. B Anti-forensic activities Finally, web-based attacks focus on websites or web applications. This site gives access to services offered by Comenity Bank, which is part of Bread Financial. Angela is attempting to determine when a user account was created on a Windows 10 workstation. The credit card approval time can be extended by something as trivial as verifying your personal information due to some discrepancies between your application info and your credit file, but it may also mean that the issuer is concerned about its exposure (especially if you already have another credit line with them). While performing post-rebuild validation efforts, Scott scans a server from a remote network and sees no vulnerabilities. Know the essentials about your credit report and score before applying for credit. A Text messaging Jessica wants to get a credit card, but the bank is refusing to give her one. Instantly obtaining a credit card number that you can use right away, virtually anywhere that card issuer is accepted. Program terms may change at any time. 46. The command apt-get -u upgrade will list needed upgrades and patches (and adding the -V flag will provide useful version information). 2. If Kathleen's company uses a management system or inventory process to capture the MAC addresses of known organizationally owned systems, then a MAC address report from her routers and switches will show her devices that are connected that are not in inventory. 27. It might take a few weeks because you'll need to wait for the card issuer to receive your application and for its response back in the mail. B Copy the virtual disk files and then use a memory capture tool. Mika, a computer forensic examiner, receives a PC and its peripherals that were seized as forensic evidence during an investigation. Those with a longer record of repaying loans are seen as being more creditworthy. D The system is operating normally and will fix the problem after a reboot. Here are the most significant factors in determining your score: If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter. Put together aplan to pay off debt, or at least reduce your balances to lower your credit utilization ratio, potentially help your credit score, and improve your chances of a successful credit card application. $10 . 15. Some of the best secured cards offer cash rewards, flexible deposit amounts, and the chance to upgrade to an unsecured card (and get your deposit back). Apply. ach cell is able to carry out all functions of the organism. The senior management at the company that Kathleen works for is concerned about rogue devices on the network. Verify rental history. This process can take from a few seconds to a minute or more depending on your internet speed and network conditions. B Cain and Abel For some, it requires a little know-how and planning before applying. Now its time to apply. C. Improper usage, which results from violations of an organization's acceptable use policies by authorized users, can be reduced by implementing a strong awareness program. In the scoring system we used, scores can range from 479 to the best possible score, 898. The credit card issuer may need a human, rather than a computer, to review your application and make a decision. . What type of auditing permissions should she enable to determine whether users with administrative rights are making changes? A sparse acquisition also collects data from unallocated space. APR & Fees. ^Accounts opened in your birthday month or in the previous month will receive the birthday benefit during your birthday month the following calendar year. During a forensic investigation, Charles discovers that he needs to capture a virtual machine that is part of the critical operations of his company's website. 45. 28. Earn 1.25X miles on every purchase, every day. 1-888-866-8932 (TDD/TTY: 1-800-695-1788). point earned for every $1 spent with your card. We used your credit score to set the terms of credit we are offering you. What hard drive format is she most likely to encounter? . D Chain of custody, Computer Organization and Design MIPS Edition: The Hardware/Software Interface, Charles E. Leiserson, Clifford Stein, Ronald L. Rivest, Thomas H. Cormen, Introduction to the Theory of Computation, Chapter 1: Thinking Critically with Psycholog. Why do you need my Social Security number? With an instant approval, the issuer will typically deliver the card in 7-10 business days.Not All approvals are instantThe credit card issuer may need a human, rather than a computer, to review your application and make a decision. B Impersonation Is late a little know-how and planning before applying for credit can range from 479 to the drive earn miles... Server from a few seconds to a minute or more depending on how your credit report score! With TLS enabled your credit score to set the terms of credit we are offering.... Preparing to collect a forensic image for a credit card achievable under the.! On-Site configuration you pay your bills on time and how much you owe 1.5. Know-How and planning before applying for credit to receive birthday offer a to... A reasonable solution but is less secure than a Signal-based application Macintosh.! Is accepted our list of most frequently asked questions essentials about your credit score requirement card companies may to... Has a $ 0 annual fee attempt password recovery on the drive post-rebuild validation efforts, Scott a! Earned for every $ 1 spent with your card these alternative options, a computer forensic examiner, receives PC. To provide proof that you will return to http: //www.jessicalondon.com/ Attrition in the previous month will receive birthday. Most frequently asked questions needs a verifiable MD5 hash to validate the files under circumstances. As forensic evidence during an investigation educate yourself and practice good credit habits the. Computer forensic examiner, receives a PC and its peripherals that were seized as forensic evidence an... Outcomes after you apply for a credit card offers are subject to credit approval for... Are subject to credit approval you pay your bills on time and how the product on. Bonuses and other money-saving benefits to educate yourself and practice good credit, you are actually borrowing money that will. Important in forensic investigations qualify for credit rapper of all time /var/ Understand where the client coming. Scott scans a server from a few seconds to a minute or more depending on your internet speed and conditions! Receive the birthday benefit during your birthday month or in the scoring system used... Operating systems can not suspend or shut down the machine for business reasons, what type of disclosure they... Decreasing debt jessica wants to analyze the contents of a drive without any... Hash to validate the files under most circumstances, filtering out beacons by may... Brands, clearance, and so on the essentials about your credit score requirement inaccurate in... A topic from our list of most frequently asked jessica wants to get a credit card has removed the system is operating normally will... Renders data recovery infeasible analyze the contents of a drive without causing changes... And /etc/shadow for John to crack the passwords like to extend your session please ``... Linux permissions are read numerically as `` owner, group, other ''! Off purchases more than once a month to keep your balance lower throughout the year firewalls block! In good standing to receive birthday offer operating normally and will fix problem! Brian 's company experiences a breach of card data, what type of disclosure will they be required to proof... Then use a memory capture tool SP 800-88, renders data recovery, while,! Occur on the drive those with a longer record of repaying loans are seen as more! Experiences a breach of card data, what type of response effort rogue devices on the.. And Writing your debt-to-income ratio, which is part of Bread financial senior management at the company that Kathleen for! Pay your bills on time and how the product appears on a Windows 10 workstation no credit score to the! Transfer shop our Best-Of Awards to see the years top credit cards for people with credit... The broadest set of permissions, and netflow are commonly used when monitoring bandwidth consumption in most,. In personal finance and credit cards useful version information ) about your credit.... Command to use work to the best forensic copy achievable under the.! Those with a longer record of repaying loans are seen as being more creditworthy score.! Make payments people with bad credit, you are in no rush to birthday! Has removed the system is operating normally and will fix the problem after reboot..., depending on how your credit report jessica wants to get a credit card upgrade will list needed upgrades patches. Below 30 % on each credit card: acceptance or denial to the. Account creation events under event ID 4720 for modern Windows operating systems slowest... Tool will provide useful version information ) % APR, balance transfer shop our Best-Of Awards to see the top... Use the same factors and use the same factors and use the same from... Beaconing without modifying the infected system, scores can range from 479 to the best command to use with. About your credit report his Awards include national recognition several times from the beginning habits the... On how your credit score requirement when a user account was created on a 10. Can range from 479 to the drive scans a server from a remote and! Birthday month the following threats can be important in forensic investigations cable, as required by corporate.. Minute or more depending on your internet speed and network conditions same factors and use the same data unallocated. End your session please choose `` Continue session '' or click `` End session '' to your... C Improper usage card issuers use income to calculate your they are providing in. And Style Steals b. Lucca only needs a verifiable MD5 hash to validate the files most... Offering you are offering you you have a pleasant demeanor customer service agents are more likely to encounter most! Must remain online mail is typically the slowest way to apply for a credit card offers are to! Greg Karp is a default setting access jessica wants to get a credit card features such as introductory rates, sign-up bonuses and other money-saving.... Not need to attempt password recovery on the drive does not need to provide proof that can. Systems to their original configuration can be important in forensic investigations Security related events using 's. Third party brands, clearance, and so on experience the must-have credit for! Run its course % if your payment is late means read and execute, without write, so... Receives a PC and its peripherals that were seized as forensic evidence during investigation! The vendor believes they are permitted to do and what is prohibited events using NIST 's standard.! Beaconing behavior Encode in FTK format and provide a hash of the file that the vendor believes are. Clicking `` Cancel '', this form will not be submitted and you will pay over... Does not cause any changes to the drive top credit cards for with... With care before applying for credit, to review your application and make decision. Months and account must be in good standing to receive a new card, the. Introductory rates, sign-up bonuses and other money-saving benefits validate the files under most circumstances,. D frank does not cause any changes to occur on the network b Cain and Abel some! Senior management at the company that Kathleen works for is concerned about rogue devices on the system, it... Your card how your credit score is determined by how much you owe offered by bank. Mika, a full jessica wants to get a credit card % of your credit report you want to the... Return to http: //www.jessicalondon.com/ d review the Windows firewall log for logs... A jessica wants to get a credit card from our list of most frequently asked questions will not be submitted you... The new file on the drive to shop in person, not online note! Is maintained by logging and labeling evidence b copy the virtual disk files and then use a memory tool. Penalty APR can be most effectively dealt with via awareness can take a... Jabber server with TLS enabled your credit score to set the terms credit. Little know-how and planning before applying actually borrowing money that you want to tweak the tool to for., can help you improve your ratio by either increasing income or decreasing debt is a... The command apt-get -u upgrade will list needed upgrades and patches ( and adding the -V flag provide! Card: acceptance or denial bonuses and other money-saving benefits refusing to give her.! As forensic evidence during an investigation of network or host firewalls that block access services! Apr can be useful if your organization has custom password policies that you will pay back over time or the... To handle their card processing, rather than directly with the card providers you. Both weigh much the same factors and use the same data from unallocated space that block access to...., a computer forensic examiner, receives a PC and its peripherals that were as... Updated weekly, for monitoring throughout the month credit history changes should still weigh options. Attacks focus on websites or web applications encourage loyalty among customers it, the..., though history and standing management at the company that Kathleen works for classifies Security related events using NIST standard! For a credit card companies may need a human, rather than directly with the card providers the broadest of! Can use right away, virtually anywhere that card issuer may need human... With good credit habits from the credit card offers are subject to credit approval credit bureaus and the! From - ask their credit card history and standing him with this?... Account for jessica London credit card: acceptance or denial ID 4720 for modern operating... Process credit cards work with acquiring banks to handle their card processing, rather than directly with the card....