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ServicesUpdateCOSTCO
IN THE WAKE of the October 2015 EMV
liability shift, some businesses are seeing a
rise in chargebacks, or disputed charges.
Fraudsters are targeting small to midsize
businesses that have not yet upgraded to
EMV-enabled point-of-sale (POS) devices
in their stores, making it easier to commit
card-present fraud.
Businesses that are not EMV compliant are now financially liable for fraudulent purchases, whether made through a
skimming device or a counterfeit card,
and many are feeling the pain of an
increased number of chargebacks.
FROM COSTCO AUTO PROGRAM
The GM Holiday Sales
Event just got better!
JUST WHEN YOU thought the GM
Holiday Sales Event couldn’t get any bet-
ter, it did! The Costco Auto Program just
announced that it is adding the Chevrolet
Corvette, as of November 21, 2016.
This is the first time the Corvette has
been part of a Costco Auto Program
Holiday Sales Event lineup. Imagine wel-
coming the new year from behind the
wheel of a brand-new Corvette and
receiving great savings while you’re at it.
Visit Costco.com and search “GM4”
or call 1-800-479-5746, toll-free, to register for the event. Costco members will
receive GM supplier pricing and the
most current available GM incentives.*
Plus, Executive members will receive a
$700 Costco Cash card, while Gold Star
and Business members will receive a
$300 Costco Cash card, for completing
a survey after they purchase an eligible
vehicle. Don’t wait. This offer ends
January 3, 2017.
* To qualify for this GM Holiday Sales Event, you must
be a current Costco member by September 30, 2016,
and register with the Costco Auto Program online or
through its call center. For Costco Cash card eligibility: Purchase and take delivery of a new, qualifying
GM vehicle from a participating dealer by January 3,
2017; submit a redemption form within 30 days of
purchase; and complete a member satisfaction survey. Not compatible with some other GM offers. Visit
Costco.com and search “GM4” for current vehicle
listing, eligibility dates, terms and conditions.
Don’t forget to
use your Reward
on your next
trip to Costco.
FROM ELAVON PAYMENT PROCESSING
Beating chargebacks
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EMV technology mitigates the risk of
card-present counterfeit and lost or stolen
card fraud. Businesses were advised to implement an EMV-enabled solution to accept chip
cards by October 1, 2015, or be financially
liable for fraudulent activity that could have
been avoided with an EMV solution.
Businesses that haven’t adopted EMV-enabled POS devices have become targets for
various forms of card fraud, as alluded to earlier. Sticking with older technology may make
you prone to fraudulent purchases. Out with
the old, in with the new.
If you haven’t upgraded yet, Elavon may
be able to help. Go to costcopaymentprocess
ing.com, or call 1-866-451-4008.
FROM AMERIPRISE
AUTO & HOME INSURANCE
IF YOU HAVE a new car on your Christmas
list, Costco Services provider Ameriprise
Auto & Home insurance has some tips to
help you through the process.
1. Make a list of vehicles you’ve seen
on the road that you like or have read are
recommended vehicles. Are you looking for
something with ample storage room for
family items or sports equipment? Looking
for fuel efficiency? Look for a car that meets
your needs and is fun to drive.
2. Consider your budget and set a
spending limit based on your ability to pay
now and in the future. How much can you
afford to spend? Are you putting money
down? What monthly payment are you pre-
pared to make? Are there any amenities you
consider must-haves? Will your car insurance
rates change?
3. Research the value of your current
vehicle and decide whether you will trade it in
or sell it privately. What you receive for a
trade-in may differ from what you receive
from a private sale, which could affect your
down payment and/or car payments.
4. Research car dealerships in your
area. Does the dealership advertise the lowest
price? Will they incorporate maintenance with
the purchase of a new or used car? Does the
dealer offer auto loans or financing? If you are
buying from a private party, use online sites to
check the seller’s rating and find out if the seller
has ever been subject to complaints. Ask for
details about the vehicle’s maintenance history
and take it for a test drive in different kinds of
weather, road and traffic conditions. And, of
course, check with the Costco Auto Program
first for prearranged pricing and no hassles.
5. Decide on the best time to buy a
new vehicle. Only you can make this decision; however, certain times are better, such as
at the end of summer, at the month’s end
when inventory is assessed or at the close of
the model year—or even at the end of the
day—if you have your finances prearranged
and know which car you’d like.
6. Be sure you have the proper insurance coverage once you buy a car. If you
don’t already have an insurer, check out
Ameriprise Auto & Home Insurance. Go to
ameriprise.com/costcomembers or call 1-888-
404-5365.
Six tips for
buying a new car
2016 Chevy Corvette Stingray
