Form-Credit-App-Business: Fill & Download for Free

Ever men, women, kids love shopping, the overwhelming majority especially the females have a skill for grabbing things. Furthermore, when it involves grocery items, they make sure that they need each fundamental thing in their pantry and household. Big Basket is India’s biggest online groceries. It markets over 14000 goods of varied kinds, including fruits, vegetables, groceries, and staples. It helps with solid domain experience of grocery delivery app businesses mutual with the intelligent application of technology. As per a recent survey indicated most of the people within the society are choosing to shop for the groceries online and therefore the figures of users buying over the web are increasing at a wild rate.Image source: GoogleThis significant growth percentage made to develop grocery apps like Bigbasket and every one the users are impressed at the momentum to concentrate to order online at a cushty place. All buyers are feeling stressed to shop for groceries while standing ahead of the shop for an extended time. Hence the Bigbasket like App development cost was also varied on various factors to incorporate supported various products and features. Hence, people realized and that they are shifting to the on-demand Grocery Delivery apps like BigBasket, Grofers for shifting the products at the doorsteps. Hence, the demand for App development costs like Bigbasket or Grocery Delivery Mobile Apps erection is costlier within the market with many inventive and attractive features rooted.Currently, BigBasket is India's biggest online grocery and empowers a client to go away the drudgery of trying to find food and welcome a basic simple method for perusing and checking out essential needs. The association starting at now works from Bangalore, Mumbai, and Hyderabad and features a differed portfolio that passes on quite 13,000 things and quite 1,200 brands.Utilizing online grocery app like BigBasket, one can look over a good scope of alternatives in each category, select a schedule slot for items delivery, and therefore the request is going to be delivered right to the doorstep. you've got multiple options to pay online utilizing your debit/credit card or maybe with Cash on Delivery option available too.Key Features of Online Grocery BusinessBuyer Mode app FeaturesStock DetailPreferencesFood BoxAdvanced Home PageCompany PlansSearch Products category wiseWishlist FunctionSafe PaymentCustomer BrowsingStock ListingDeliver Review FeatureAdmin Mode app FeaturesEasy ShapeCustomer ControlStock ControlBusiness CommandInsightsDivision ManagementSub-section ManagementReview AuthorityHire On-Demand Grocery App Developers for Bigbasket Clone App?Now you would possibly be wondering like what proportion Does it cost to create a web grocery app? Well, as we are aware that online buying food apps encourage users to form a stock the foremost advantageous manner utilizing their mobile phones, tablets readily available.Hourly development rates in various countries:U.S. based developers charge :$50 to $250 per hourEurope based developers charge :$30 to $150 per hourSouth Asia based developers charge less :$12 to $80 per hourFactors that impact the cost of an applicationApp platformBasic featuresApp DeveloperAdvance and External FeaturesApp sizeApp designHow Much Does it Cost to form a web grocery App like BigBasket?Well, it's not a simple task to inform the cost to make apps like Bigbasket or Grofers, based client necessities, and application features we will fix the cost. Creating feature-rich grocery delivery mobile applications isn't as simple because it appears to infect build up an exceedingly adaptable mobile application that may be a complex process. Thus, one has got to join as a partner with a capable and mobile app development company which will develop the specified IT foundation also build a user-friendly online grocery app that's bound with an entire package. the overall Cost to create an App like BigBasket or Grofers is evaluated by its complexity nature, the platform you choose, and therefore the nation as Grocery app developers and expense may differ counting on the place or country. The rough expense of the grocery delivery app is going to be someplace around $10,000 to $30,000 for one platform.

American Express' FICO Score Requirements, Starwood Preferred Guest's Amex and Inside Industry Scoop on Credit Scores.My friend, Mike Arrington, had a credit card issue. He helps a lot of people. He helps me a lot. He invites me and my friends to tech conferences so when he tweeted-blogged-Quora'd:"My credit score is 748 and amex has repeatedly declined me for a card.""Damnit Amex, Give Me A Credit Card" -- Mike Arrington, TechCrunchI was inclined to spend 70 minutes answering this question (see below). You see, I am a thankful person. Mr Mike has let me walk in dozens upon dozens of tech founders. If you help me, help the startup community, I am all in for helping you with your effort to get an SPG Amex, mentor you on FICO credit score + debunk the urban myths about credit scores, credit rules and credit underwriting policy.Mr Arrington now has an Amex earning him massive SPG points!*. Yup, he probably put down as his job title when he first got rejected...photo credit Mark Chua.hiLarryAss, hilarious because this title, "blogger" doesn't make the risk dept at Amex jump for joy.*:-) After texting Amex executives, Mike Arrington got one at 11:45 am Oct 26, 2010.Tweets Oct-24-2010 to Oct-26-2010Who am I to give advice to a Stanford University, Law graduate, (Mike)!?!I read the FCRA (Fair Credit Reporting Act), my company lobbies Congress, my company promotes FICO preparation, my company is #1 in doing lead generation for credit card account, my company never sells private information. I also helped another friend IRL, "Valerie" and her two college age daughters. Valerie's an anchor on a network called "CNN"My 'advice' is FCRA based. There are very few people with the patience to toil on the front lines of financial literacy. It does not help that FCRA does not make common sense.This Quora answer to "What FICO score is needed?" took me 70 minutes. It explains an American system that is set up to befuddle consumers. To make matters worse, American credit has a business model that, in short, sells derogatory credit information.SO NOW READ WHAT I WROTE!!!Mike Arrington's Wordpress article addressed a specific cry for help along with a tweet request for assistance (Yes, during the golden age of twitter, people would read and respond ;-)"Damnit Amex, Give Me A Credit Card" -- Mike Arrington, TechCrunchThe one key to these castles are yours. They access free SXSW hotel rooms, free airfare to Austin. And for me and my tech founders: Free access to $15,000,000 credit lines. I hate, love/ hate all the urban myths about credit (sorry if I scream but its frustrating when I know Fair Credit Reporting Act laws but people, fight, me, all, the, time.I am not sorry the laws are old. I am sorry we have not passed LCECSPA. Here are the Urban myths because you do not know FCRA:URBAN MYTH #1: Asking what credit score you need implies everyone at score level 748.6 gets in. It simply does not work like that. American Express (company) uses FICO Credit Score as one metric among many for the credit accept/reject decision.I bet they turn down applicants as high as FICO 770.URBAN MYTH #2: Asking what score gets approved implies that you as a person have one score. This is not true.Fair Isaac has been on record saying 15 banks that use their scoring system can give you 15 different scores.Yes, urban myths one and two are the same, but I wanted to re-iterate that since it's such a big myth - I won't repeat myself anymore :-)URBAN MYTH #3: Entrepreneurs get turned down.This is true. If you're the business owner, you're gonna have bad credit sometimes and a founder's FICO cut-off will treat you, the tech CEO, harshly. Plus, lol, analyst say, "Cool, lets give him $75,000 in credit line, un collateralized"I repeat: all people with a FICO of 745 are not treated equally ... FICO is just one metric.For example, Michael Arrington (investor, journalist) the blogger might get turned down because his credit application form signals 'entrepreneur'. Entrepreneurs are treated a certain way by a bank.Myth 3 is compounded in FORBES. Read about founder, Mike Arrington's credit rejection in ForbesAmerican Express Loses Credit With Top Bloggerand the Amex rebuttalAmex's Ad Agency Asks Us To Remove Post, Threatens Future Business | TechCrunchbased on the original blogger complaintDamnit Amex, Give Me A Credit CardMyth 3 might never go away because myth three goes against common sense. On my credit application, I am still "National Account Manager at United College Marketing Services". Also, the channel that the credit application came from matters. When I say channel, I mean location American Express received the credit application.This leads to my next point...URBAN MYTH #4: A lot of people think a credit app is a credit app.It is not true.Where and how you apply matters!I'd fill it out with a black roller ball, 1mm pen and use a fine tip sharpie on a PAPER APPLICATION.I'd photocopy my drivers license and staple it to the paper credit app (*Fair Credit Reporting Act (FCRA))I'd have the Starwood Preferred Guest (loyalty program) line's front desk manager do it for me and I'd include my starwood preferred number bold in sharpieImagine you are the CEO of Amex. I hand you a piece of paper. Or I hand you an electronic credit applicationURBAN MYTH #5: Internet is best for service.Wrong!Dead wrong.You have ZERO rights via email / phone / electronic fax / web browser / text message / smoke signals via twitter / blog via techcrunchThe Fair Credit Reporting Act (FCRA) only reserves your rights via paper snail mail licked with a piece of US Postage stamp.Mike Arrington's blog post is the exception that augments, propagates, promotes and accelerates this urban myth. Do not use the web. Do not use email. And for goodness sakes, do not call. Do not use the Internet.Use a postage stamp!!!!!!!!!The 31 Envelope SystemThe 'forever' stamp is truly the only method seen as legal according to FCRA. Guess how many consumers such as Mike Arrington interact using United States postage stamps?THE SYSTEM IS SET UP FOR YOU TO FAIL. The system is set up knowing super majority of consumers will not mail a letter to a PO box. True story, I see non Stanford Law School (educated) consumers failing at credit, daily.** FUN WITH FICO **I am going to make the bold statement: give me 10 stamps and I will raise the average VC's FICO score 80 points. Give me 31 stamps and I will raise more money that a Y-combinator startup company.:-DGoogle "9 VCs and their Secret FICO score"Or '9 Supermodels and their Secret FICO Score'http://whattheydontteachyouatstanfordbusinessschool.com/blog/2010/09/08/9-supermodels-and-their-secret-fico-score/I speak at NFL Rookie Camp on credit and credit scores as a millionaire. I should know because I am one.I mentor lawyers and Congressmen who write credit laws. My mentor was a Yale lawyer named Mark McCormack #MMPQQThe 31 Envelope System** FUN WITH FICO END**URBAN MYTH #6: Your credit score is dynamic.It is not as dynamic as you would think.Credit scores are incredibly static.As a rule of thumb: once you have good credit you keep good credit.Once you have bad credit you might as well click on the butt (at duck9 cuz you're gonna take it in the buttocks):see stanford grad startup SwishMark - #3 largest payday lender in Americasee http://duck9.com/ass.htmURBAN MYTH #7: A college student is more likely to get a Starwood Hotels & Resorts (company) credit card than Mike Arrington.:-) update Mike got one at 11:45 am (Oct 26, 2010). I tweeted Oct 25 2010 back when people read their at replies Re: 11:11 Nov 11Tweets Oct-24-2010 to Oct-26-2010College students get mentored to build their FICO. The really smart founder, Mike Arrington, who has a Stanford Law degree was using common sense.Urban myth #7 is actually true if that college student was using Larry Chiang as their mentor MMPQQ (mentor mention per quora question). Nick Lee got a credit card. See his answer BELOW.URBAN MYTH #8: Congress doesn't read the FCRA, FCBA, or the CARD ActThis is NOT an urban myth. Just like bloggers, the only people that read it are the people that wrote it. Cato Institute quizzes Congresspeople about the Constitution and gives out copies of it.When I testified before U.S. Congress on privacy (thx Billy Tauzin / Tom Campbell / Tom Udall) I cited and sourced FCRA a half dozen times ... they thought I was a genius. Robert Pitofsky said some overly positive things about me and my effort to debunk credit myths to college students. He was Federal Trade Commission Chairman.thx for reading this far!!BONUS URBAN MYTH #9: college students are protected by the CARD Act (HR 627, House (of Representatives) Resolution #627)This is true.I passed this law because college students were dropping out more due to credit card debt than academic disqualification.MYTH 9(a): The problem is that there is a catch 22 of what comes first ... getting a credit card or adding positive pieces of information to the Credit History Bureaus.Hmmm, maybe that is a company idea.UPDATE: OCT 2, 2013.Based on my support and my augmenting HR 627, zero traditional freshman, zero sophomores and zero juniors will drop out of college due to college credit card debt.Zero.Previously, it had spiked as high as 7.6%. Thanks to my mentorship, my weirdness' and my acting Paris Hilton-ie, the United States of America will have zero college drop outs due to owing credit card debt.Currently, if you drop out of college due to a $300 credit card bill (the max credit line is under $500!), you didn't drop out because you owe, you dropped out because of other reasons. Before HR 627, credit lines could be as high as $78,000. See the historic practice of Capital One laying away college studentsThe Secret Tenth Urban Myth left off My Quora Answer.I used to work for Amex. I would be pretty surprised if you weren't able to get an SPG. Can't provide too much more detail without giving away the precise risk formulae that they use (note that it's more than just a FICO Credit Score), but, based on your stats, there are a lot of accounts in the SPG portfolio with worse credit / less credit history.edit: I can't comment on answers anonymously but Larry Chiang's answer totally nails itMyth #11.another credit myth is one that Fair Isaac promotes. They say the average FICO average is 723. They have removed it, the false FICO average claim, from "MyFico" website. I think it was Craig Watts that said it.Good luck in the system that has been engineered against you.Good luck in a system where an oligopoly holds super majority of the credit report data.Good luck in a system where credit scoring is run by a monopoly.

Honestly the biggest frustration to me, has to do with dealing with people.When my manager hired me (never sold cars before) he said I'd make good money, but he was going to warn me up front I'd lose my faith in humanity.Have to say he's right, it's hard to hold onto that.First off, nobody trusts car salesman. Even when they should. We are experts in the car business after all. And not just to do with car sales... people hear you're a car salesman, and they have less trust in you as a person. This is really illogical, most of the car salesman I know are very honest. You have to be if you want repeat and referral business. Yet people assume until proven otherwise that your a scumbag on the order of the stereotypical bad used car salesman. So when building repoire, instead of starting at a neutral value like the average person, you are starting from a negative value and have to work up to neutral.That gets old fast.Secondly, everybody lies to you. This is ironic because people don't trust us, but we get lied to FAR more often then we are lying. (On average, I don't lie personally at all.) Been lied to by all sorts, likable older people, pastors, priests, most people that come in. "Yes, we'll be back tomorrow". "I'll call you either way." "We can only afford X (and then in the credit app they claim 20k a month)" "So and so quoted me X" "I'll buy today at X price (you tell your manager that, they agree to X, and then they back out and leave and you never hear from them again, making you look bad.)" "(Setting appointment for your day off) I'll be there at 3:30 on thursday, or let you know beforehand if something comes up." And then you waste half your day off waiting for them and they never show. And many more common lies.Third, you have to deal with crazy people. This one is common to any form of retail, anyone who's ever worked for a restaurant, or store, knows about this. There are alway crazy irrational people that want the world to revolve around them, but treat everyone else like shit. And the more people you help in a customer service field, the more of these you'll run into. Man the stories I could tell....Fourth is dealing with the same myths and misunderstandings about the car business on a daily basis. It gets very old. My favorite now that I work the internet department, is when people do searches on KBB or edmonds or something, and finds our car because it's the cheapest in a hundred mile radius, and then they want us to discount it more. Usually by thousands. Don't they teach supply and demand anymore? If it's the cheapest similar vehicle on the market, then it's a great fair price, and it probably won't be discounted a penny. And if you wait and hem and haw, somebody smarter will snatch it up at the price its offered at and you'll lose out. I literally see this every week.And since people don't trust you (#1) they don't listen to your explanation.Another one is people who are shopping for used cars in person, but aren't ready to buy. Used cars are unique items, there's only one exactly like that in most cases. Shopping when you aren't ready to buy if you find the right car at the right price, is an exercise in frustration for all concerned. When I tell people this, and that if they like this car they should buy it now, otherwise it might sell, they think it's a sales technique, because, they don't trust me. But then when they go home to think about it and come back the next day and it's gone, they are all disappointed and have to start the search over. I see that every week as well.I've only been in the car business less then 2 years and I'm already getting burned out. It's pretty easy work (I spend at least half or more of my work hours on my laptop on quora or other websites) but the frustrations you have to deal with are tough.Most older car salesman I know have completely lost their regard for humanity. They'll seem like the nicest person in the world when you are talking to them about buying a car. But the rest of us see their other deeply cynical side.