ADM Network | Bride Diva | Long Distance Diva | Parenting Diva | A Curvy Diva | Advertise|

6 Ways to Promote Your Freelance Business

You need customers to make money as a freelancer. Unfortunately, clients don’t just fall into our laps, which mean we have to actively look for business. Even if you don’t have much experience in the areas of marketing and promoting, there are several inexpensive ways to promote a freelance business. In some cases, you don’t have to leave the house.

Advertise on the Internet: You have to get your business name and product in the public’s eye. Start online and place free classified ads. Since the Internet is flooded with free classified websites, you’ll need to place several daily ads. If you don’t have this kind of time, look into websites that automatically renew ads every hour or once a day. Read more

Telecommuters Beat Isolation By Working Together

Most people will jump at the opportunity to work from home. It’s a win-win situation. You’ll earn a steady paycheck from your employer, but save money on everyday expenses such as gasoline, lunches, coffee, (and the biggest expense) daycare. But, there’s a negative side to work at home life.

Talk to any freelancer and they’ll likely gripe about daily isolation. Sitting in an empty house day-after-day and having little contact with the outside world can drive an outgoing, extroverted person mad. Yeah, telecommuters are more productive and they enjoy certain time freedoms. Besides, no one wants to pass on the chance to stay in their pajamas all day. But, loneliness is real.

There are many ways to beat isolation and have the best telecommuting experience. It seems as if some telecommuters have come up with a creative solution, which offers the best of both worlds. This “next phase of working at home” actually involves leaving the home. These work at home professionals aren’t returning to the workplace. Rather, they get together with other telecommuters and turn their local Starbuck’s or Barnes and Nobles into an off-site home office. With their laptops and assignments, they co-work a few hours each week, and enjoy a little conversation and a change of scenery.

Co-working is just the right thing for telecommuters who miss the workplace atmosphere and camaraderie.

Technorati Tags: , , ,

What to Do When You’re Called Back to the Office?

work3.jpgWhen you telecommute, there’s always a chance that your employer will call you back to the office. Employers acknowledge the advantages of telecommuting. But sometimes, the arrangement doesn’t work. In your mind, you’re doing a great job. You feel more productive, and all your assignments are completed ahead of schedule. So, there shouldn’t be a problem?

Unfortunately, your employer’s vision of productivity can differ from your own. And if you don’t live up to their standards, you might be called back to the office.

  • Don’t Panic: Your boss phoning you at home and requesting your presence in the office isn’t usually a good sign. However, this isn’t necessarily a bad thing. Maybe the company’s working on a special project and they need you on-site. Talk with your boss, and find out whether they’re axing the telecommute agreement.
  • Re-Negotiate the Arrangement: If your current telecommute work schedule isn’t working, propose a different plan. Rather than telecommute five days or 40 hour a week, ask to work at home part-time, and in the office part-time.
  • Admit Your Mistake and Beg for Forgiveness: Working from home takes discipline. And unfortunately, some people can’t balance work and family. You may be able to fool your boss in the beginning. But they’ll eventually catch on. If you want any chance of salvaging the arrangement, don’t argue or make excuses. Employers have every right to call a telecommuter back to the office. Come up with a quick solution and ask for another chance.

Technorati Tags: , ,

How Much Do I Make? N.O.Y.B

pay1.jpgBefore I became a freelance writer, nobody ever asked about my income. Likewise, I didn’t dare pry into someone else’s personal business and ask about their salary. But for some odd reason, that changed once I became a freelancer.

I’ve been a freelancer for more than five years, and during this time, I’ve had a handful of people ask about my pay. I’m not bothered by questions such as: what’s your hourly rate, or how much do freelancers charge? But when someone has the audacity to ask, how much do you make a month? - I have to draw the line.

The first thought that pops into my head, “that’s none of your business.” And the second thought, “how much do you make a month?” (this question always stops them in their tracks). But, I’m not a rude person, and since the people who ask these questions don’t mean to be rude, I’ll usually shrug my shoulder and say, “I do alright.” That’s all they need to know. Read more

Should Clients Know You Work from Home?

wahm.jpgAbout ten years ago I worked as a secretary for a screen printing company. We had sales reps who worked in the office, and reps who worked from home. Since my job entailed answering and screening phone calls, I had to hide the fact that some of our reps worked from home. If a customer called for a telecommute rep, I would take a message and contact the rep with the information. I never questioned the reason behind the big secret. I did my job like a good little secretary and kept my mouth shut.

But, I couldn’t help but think: so what if a few employees telecommuted? As long as their aren’t kids crying or loud background noise, what’s the big deal? They had to report to the office on a regular basis, and a supervisor checked their progress. I assume the company wanted to project the most professional image possible, in which telecommute employees didn’t fit their ideal description.

Because some work at home jobs involve customer contact, a company might require it’s workers to stay mum on the telecommute arrangement. After putting myself in the company’s shoes, I can better understand their position. I don’t think hiring telecommuters makes a company less professional. And if a client discovers that a employee works from home, it shouldn’t become an issue. On the other hand, I realize the need for damage control.

Some telecommuters lack discretion. They may answer the telephone with the television or kids playing in the background, or they may put off customers to tend to personal matters. Employers are generally open to a telecommute arrangement - as long as work and home don’t collide. Maybe employers feel that telecommuters will uphold a professional image and be more conscious of their surroundings when forbidden to disclose their location.

Technorati Tags: , , , ,

← Previous PageNext Page →



Privacy Policy
Close
E-mail It
accept credit card without merchant account credit card online credit approval low interest rate credit card money back find me credit card offers for people with bad credit aspire credit card,approved or not how do i change the credit card on pay pal order from kmart using sears credit card money bank servicing site for pay pal plus credit card best credit card deal buyer pay a household bank credit card online no credit card xxx wal mart credit card bill payment card consolidation credit debt loan mortgage no best credit card college student report lost wal mart credit card free music downloads no credit card needed compare discount rates merchant services credit card lost shell credit card visa card bad credit hacked credit card numbers and names rating unsecured loans to pay of credit card debt prevent credit card fraud visa 0 interest credit card credit card bad credit unsecured free porn no credit card or checking account required fia card services credit cards chase banl of america best credit card deal where can the sears credit card be used? student associate visa credit card bank of america secured credit card credit card and 0 citi sears credit card login instant approval unsecured credit card mbna closed my credit card accounts card credit debt help online card counseling credit services citi classic plus credit card business credit card, 0 balance transfers shell credit card application instant approval online credit card aspire bad credit unsecured credit card gauranteed approval card consolidate credit payment credit card debt management compare no fee credit card balance transfer credit card for people with bad credit chase prestige credit card services college student visa credit card offers rewards mbna credit card compare hsbc credit card payment citibank credit card services sears credit card u month interest free low rate credit card visa credit card instant approval consolidate credit card payment in australia citi bank credit card sign on what credit card has lowest interest rate best gas rebate credit card credit card applications for people with bad credit college student credit card limits how to consolidate credit card debits instant online credit card approval no credit card free gay porn cash back credit card reviews card chase credit services christian debt consolidation credit counseling loan and card unsecured credt card for people with bad credit credit card debt need help orchard bank credit card offer very low interest rate credit card online terminal for credit card processing student loan consolidation,credit card debt,personal loan, citibank shell credit card mbna credit card account how to steal credit card numbers sunoco gas credit card card college credit debt statistics student low apr interest rate credit card credit card rate increase adverse bad card credit credit no uk unsecured citibank credit card 800 number stolen credit card fraud household bank cash back credit card payment with credit card credit card processing online compare business credit card percentage rate sears charge plus credit card credit card list with low rate apr mbna credit card credit card consolodation low interest rate credit card 0 apr balance transfer lifetime visa mastercard credit card online approval credit card airline credit card processing merchant instant credit card approval with fair credit credit card 0 balance transfers instant approval online credit card decision bad credit unsecured credit card highest available balance orchard bank secure credit card non for profit credit card counseling valid credit card numbers credit card unsecured bankruptcy sears credit card status mbna online credit card payment unsecured credit card with bad credit free help with credit card debt apply online providian credit card american airline miles credit card credit card debt relief credit card debt consolidation mbna points credit card jail time for credit card fraud providian bank credit card dispute aspire credit card phone number looking for aspire credit card fixed interest rate credit card where can i find the japan airline credit card merchant accounts credit card services credit card apps for bad credit instant approval providian credit card bill payment orchard bank credit card services mbna canada credit card card college credit statistics student household bank credit card hsbc mbna co uk credit card card consolidation credit debt management instant approval credit card temporary number instant credit card approval live webcam for free no membership no credit card need credit card for free college student secured household bank credit card customer service credit card application for canadians with bad credit online credit card processing softw credit card consolidation low interest rate student credit card 0 apr credit card debt relief grant zero apr and zero balance transfer fee credit card credit card counseling 12 closing credit card account orchard bank unsecured credit card low cost credit card merchant accounts why consolidate credit card debt? chi credit card debt counseling aspire credit card statement unsecured credit card approve no credit check credit card account numbers sears credit card lawsuits in the 1990s pay pal chabge credit card primary shell credit card pay bill redeem credit card miles for airline credit card terminal sale citi mastercard credit card apply for instant bad credit card online payments to citi driver's edge credit card credit card counseling display what is the best credit card for airline travel points credit card offer "airline miles""cash back" pay aspire credit card payment no credit card needed free porn household bank credit card website instant credit card processing card credit interest low rate providian real rewards credit card veiw my wal mart credit card credit card 0 interest on balance transfer offers aspire credit card account.com need help with credit card debt hack free valid credit card numbers credit card offers bad credit household bank com credit card credit card counseling of san francisco mbna credit card access credit card visa online approval visa credit card 0 interest until january capital one credit card payment unsecured credit card online chase credit card account merchant services bankcard credit card sales business develo apply citibank credit card find the best credit card transfer deal credit card terminal manual credit card debt elimination program safeguard credit card counseling where can i get an aspire credit card pay orchard bank credit card how to raise your limit with orchard bank credit card upgrade household bank credit card credit card for people with bad credit, no prepaid citi credit card online credit card debt reduction arbitration help settling credit card debt low interest rate for balance transfer credit card business credit card compare supaserach.com q credit card debt management card credit gas best consumer information about credit card debt free help apply card citibank credit shell master card for bad credit free porn sites no credit card chase cardmember services credit card credit card shell guaranteed unsecured credit card bad credit pirated credit card numbers credit card services chase bank credit card offer 0 maximum interest rate for a credit card in minnesota pay my shell credit card bill how can i apply for an aspire credit card low rate credit card balance transfer credit card bad credit ok citibank citgo credit card wal mart credit credit card credit card terminal business opportunity free airline ticket with credit card orchard bank credit card application status credit card ffor fair credit instant online approval credit card virtual terminal capital one credit card for bad credit free credit card counseling low rate no fee credit card list bank of america mbna credit card personalized photo credit card 0 balance transfers non profit credit card debt reduction wa state card college credit debt statist student card credit debt reduction free hacked credit card numbers applying for a credit card with bad credit compare prepaid credit card credit card 0 no transfer fees unsecured master credit card for bad credit people related bad credit credit card for people with bad credit wireless credit card payment terminal credit card terminal verifone omni aspire secured credit card card credit online processing qoclick credit card debt management companies best way to consolidate credit card debt college student credit card need cosigner credit card offers with 12 months zero apr apply credit card bad credit closing a credit card account shell citibank credit card wireless credit card terminal parts shell credit card center address credit card debt consolidation loan from from mbna other bad credit unsecured small bank credit card offers providian credit card website preapproved credit card from orchard bank sears credit card pay a bill credit card company compare wal mart credit card center debt free credit card consolidation kmart credit card online approval best card credit debt help best credit card rate credit card numbers names credit card transfer 0 percent canada credit card bad credit citi credit card offers pay shell credit card best deal on credit card chase disney credit card services pay shell citi credit card online card credit online shell credit card 0 interest rate transfers bank of america online credit card payment wal mart credit card services credit card instant airline credit card comparison credit card compare 8 9 credit card with people with bad credit wal mart credit card signin instant on line credit card approval bad credit card credit card 0 interest balance transfer uk raised my credit card rate no interest credit card card company credit online processing victoria secret credit card account credit card 0 notransfer fees pay my wal mart credit card credit card 0 interest for a year providian national credit card lowest merchant credit card fees wal mart credit card shopping pass wal mart credit card online unsecured credit card for poor credit preventing credit card debt in college student mbna amer credit card cancellation introductory rate on balance transfers credit card preapproved unsecured credit card household bank credit card complaints credit card citibank no merchant account credit card providian credit card access credit card debt elimination in minnesota with a lawyer compare credit card rebates chase credit card services need to pay household bank credit card american express credit card cash back reward bad credit card instant online approval apply for providian visa credit card credit card no fees low interest rate household bank credit card bill pay credit card fraud catching gap credit card payment compare credit card merchant services credit card fraud in oregon citibank asia credit card pay pal jr credit card machine northwest airline credit card bonus points compare credit card processing companies wachovia instant online credit card approval payment on aspire credit card discover credit card account card credit debt help judgement bad card college credit credit student supaserach.com q credit card debt management said make credit bad card instant approval victoria secret credit card payment best credit card for buying gas free legal help in north carolina for credit card debt credit card minimum payment 76 gas credit card frontier airline credit card promotion unsecured credit card, bad credit credit card fraud airline mbna credit card pay online shell credit card account online pl ploc shell v.s.100 credit card deals 0 consolidate credit card to lowest interest rate need a gas card for people with bad credit bank of america credit card pay credit card debt debt reduction apply aspire visa gold credit card calculate annual percentage rate credit card credit card fraud in china wal mart credit card acct service credit card bonus airline miles lawyers in el paso, texas who can help you credit card debt internet merchant credit card account credit card no credit unsecured citibank credit card offers corporate office of household bank credit card college student credit card low interest rate apply credit card 0 interest for 1 year how to apply for sears credit card airline credit card miles aig credit card statement of account rbs credit card payment credit card numbers free complain about household bank credit card government help paying off credit card debt bank of america visa credit card to pay bill instant decision credit card poor credit instant credit card approval canada credit card terminal, reader, computer credit card for people with bad credit for gas shell gasoline credit card need a credit card but have bad credit citibank credit card accounts merchant terminal to accept credit card processing by sbsn citi professional credit card direct merchant credit card bank credit card ballance transfer 0 apr reduce and consolidate credit card payments citi simplicity credit card canadian bad credit credit card companies credit card counseling clinics household bank credit card pay bill credit card debt management services account card credit merchant buy nurit 8000 credit card terminal deny credit card payment pay pal low interest rate credit card home depot credit card account free mp3 downloads no credit card required bank of america student credit card aspire credit card home page compare credit card interest rates acceptance online a credit card processing 24 month zero apr credit card bank of america credit card customer service credit card fraud theft nm best credit card merchant account citgo gas credit card visa card for people in ontario wuth bad credit sears cbsd credit card compare credit credit card instant online credit card citibank student credit card fullman gas credit card low fixed interest rates and 0 apr credit card unsecured no credit check credit card credit card fraud investigations citibank credit card online payment best credit card for bad credit credit card counseling fees card credit debt patriot relief household bank credit card online payments credit card debt reduction florida credit card fraud home depot citibank credit card online credit card rewriter with numbers shell oil credit card apply credit card 0 transfer fee sears credit card underwriting mbna credit card debt elimination what is a unsecured credit card student visa classic credit card phone number clothing credit card for people with bad credit compare visa credit card hackers sites getting credit card numbers providian credit card lawsuits offshore credit card merchant account apply for mastercard credit card 0 interest rate citi card credit card online credit card processing exact citibank and credit card minimum payment increase online credit card processing reviews shell gas station credit card credit card debt counseling reinvestment household bank credit card in kernersville credit card with 0 balance transfer and no transfer fee wal mart credit card murphy card college credit free student credit card for 0 for 18 months bank of america credit card applications gas credit card with bad credit my wal mart credit card account royal unsecured credit card mbna american express credit card compare credit card processing services credit card fraud hawaii lower interest rates transfer high credit card balances 0 bad credit card for people with poor credit shell credit card accounts pay my citibank credit card evidence needed to prosecute credit card fraud cases how to change credit card number for pay pal credit card merchant accounts business credit card instant approval no interest no balance transfer fee credit card chase student college credit card shell credit card account center washington mutual credit card payment household bank credit card bad credit online discover card instant approval credit card checking statement of public bank credit card account non profit credit card counseling louisville college student visa credit card credit card debt help and consolidate own your own credit card merchant or processing franchise payonline for citi credit card non business number 1 credit card for people with bad credit making a credit card payment with orchard bank government will help with credit card debt credit card debt elimination credit card debt help rochester mn bank used credit card numbers sears kmart credit card household bank credit card make payment on line instant credit card approvals credit card offers 0 interest definition of credit card fraud shell credit card account online my chase credit card on line services california free credit card debt help apply to consolidate my utillty and credit card payments bank of america credit card rewards credit card student low interest rate pay household bank credit card household bank credit card log in bad credit new credit card to consolidate best secured credit card deal credit card merchant account program card chase credit manhattan services unsecured bad credit credit card approval credit card with unsecured procesing consolidate credit card bills into one+wells fargo credit card low rate bass pro college student instant approval credit card citibank credit card application status store credit card wal mart rate college student apply for credit card sears credit card pay online compare secured credit card provident bank merchant credit card processing plan chase credit card with 0 interest until oct 2007 credit card debt money management bad credit apply for an unsecured credit card poker searchers.com q credit card debt management said make lipman nurit credit card terminal easy online credit approval credit card providian credit card payment online compare apply credit card offers household bank credit card rip off linkpoint 3000 credit card terminal virtual terminal merchant account credit card shell texaco credit card online payment approval card college credit instant student how to attain an unsecured credit card with bad credit best card credit deal uk ebullion credit card processing online credit card payment counseling credit card terminal monthly statement need help with credit card and unsecured debt instant approval online credit card application instant unsecured credit card approval pay pal credit card application mbna credit card statement federal law for credit card debt relief credit card payment address bank of america unauthorized transaction on credit card business credit card 0 interest rate credit card for people wth bad or no credit uk credit card debt help credit card processing online similar to paypal credit card airline miles no fee low interest rate no transfer fee credit card household bank credit card online banking credit card pay pal mbna credit card consolidation program what is default pin for bank of america credit card low rate fro credit card bank of america partial secured credit card business gas credit card free online credit card processing becoming an online merchant with credit card processing unsecured no fee credit card offers bad credit make credit card payment wal mart credit card online credit card application instant approval employment with credit card counseling services texas credit card counseling chase credit card 0 interest offer promo code about online credit card processing washington mututal visa student credit card application wal mart prepaid credit card continental airline master credit card chase card services credit card illegal credit card numbers credit card with low intrest rate compare credit card deals card credit debt help self uk help getting out of credit card debt business+credit+card+offer need credit card for free college student texaco shell credit card consolidate credit card loans low rate credit card for student best credit card deal websites gas credit card student college credit card for airline miles $30,000 credit card fraud atlanta credit card merchant service nelson valdes fraud credit card best rate credit card fixed rate credit card transfer wal mart prepaid visa credit card citi credit card on line account credit card debt help ceasar credit card counseling services kentucky merchant bank credit card porn gallery free instant access no credit card required lifetime low interest rate credit card credit card bad history credit card fraud specialist help for someone who has credit card debt problem best card credit deal credit card zero percent interest rate offers chase credit card online payment wal mart credit card pay bill online credit card fraud punishment get unsecured credit card no credit check my pay pal account credit card credit card low interest rate 640 credit score lutheran church credit card debt help pay pal credit card unsecured card bad credit 800 dollar unsecured credit card providian 1800 number credit card aspire visa payment credit card instant approval bad credit card best buy credit card payment pay pal credit card change credit card alaska airline miles chase credit card account services compare merchant services credit card union 76 gas credit card no credit history credit card bank card credit household secured credit card debt counseling dallas "chase", credit card services, contact us, 1-800 credit card 0 rate first national merchant credit card advantage.com transfer to low rate credit card citibank credit card payment card credit terminal credit card rewards compare alaska airline credit card mbna credit card account access providian credit card phone number how many college student apply for a credit card yearly verizon visa credit card account credit card with zero apr on balance transfers citibank credit card information citi drivers edge credit card american express card for people wth bad credit cheaper uk credit card credit card account generator online approval platinum credit card how does online credit card processing visa 0 interest balance transfer credit card sears credit card services credit card debt help origins financial help for credit card debt credit card 36 months 0 interest stolen credit card numbers credit card debt consolidation no mortgage loan de card consolidation credit debt loan personal bank of america credit card identity theft credit card low rate gas rebate credit card citi bank credit card application bad credit card unsecured credit card unsecured credit card companies for bad credit best credit card interest rate household bank credit card nevada gas credit card rebates pay pal change credit card number consolidate credit card loan payment for providian visa platunum credit card verizon credit card account checkstatu of credit card at orchard bank household bank credit card pay online best credit card offers 10k 0 interest wireless credit card terminal networks chase credit card services billing address instant approval secured credit card bank of america activate credit card am pm gas credit card write credit card company for debt reduction citi buisness credit card account credit card offering 0 interest uk credit card for people with bad credit free credit card debt management credit card for no credit low rate credit card processing associate visa student credit card business card credit small terminal citibank simplicity credit card .com airline miles credit card double points grocery store corporate office of household bank credit card services racetrac gas credit card articles on prevention of credit card fraud free wireless credit card terminal vice president chase bank credit card services household bank secure credit card credit card debt reduction san diego county no credit card merchant account chase credit card online approval business credit card online instant approval credit card counseling massachusetts instant credit card approval instant credit use credit card acceptance pay pal apply for a household bank credit card compare credit card terms list of valid credit card numbers compare credit card processing chase bank credit card services how to activate my orchard bank credit card prepaid instant approval credit card credit card airline rewards with bonus miles credit card gas rebates credit card consolidation debt reduction unsecured credit card 3000.00 limit credit card offers airline miles texaco shell gas credit card southwest airline credit card credit card fraud in bexar county texas card consolidation credit credit debt free report resource instant online approval credit card instant credit card bad credit fast credit card debt relief hsbc household bank credit card fruad rip off how do i consolidate my credit card debt credit card for bad credit low income people credit card bad credit credit card interest rate regular shell gas credit card mbna no interest credit card mbna credit card log in shell oil gas credit card prevention of credit card fraud should i settle my debt sears credit card instant credit card decisions sears credit card springfield il poor credit unsecured credit card providian credit card offers consolidate car payment into mortgage or credit card debt credit card borrow money 0 interest household credit card payment lists of credit card numbers citibank choice visa credit card instant credit card approved aspire credit card online payments lowest interest rate credit card credit card consolidate richmond va consolidate credit card debt at low rates blizzard ent credit card fraud debt credit card insurance relief consolidation check compare credit card processors "wal mart" credit card mbna credit card company low credit card rate instant approval for unsecured credit card approval bank of america com credit card bank of america credit card payment how to commit credit card fraud best instant approval credit card best rated credit card with 0 balance transfer rate citi dividend credit card zero precent apr credit card apply for sears credit card online consolidate credit card debt nj how can i get a wal mart credit card bank of america credit card complaints average credit card debt for a college student bank of america credit card accounts where can i use my pay pal buyer credit card need credit card to use pay pal card credit debt plan reduction card consolidate credit debt it household bank credit card login page credit card debt relief exact credit card and card verification numbers visa christian credit card debt relief my premier credit card account credit underwrite card citibank criteria free credit card counseling in missouri orchard bank credit card account login how to report credit card fraud capital one student credit card visa shell fleet credit card mobil gas credit card my household credit card household bank silver aspire credit card online payment credit card bad credit unsecured visa credit card transfers 0 interest fast online approval credit card low credit card interest rate visa card with bad credit instant online approval of major credit card uk low interest rate credit card credit card online approval for bad credit wireless credit card terminal poor credit unsecured credit card applications best gas credit card cash back deal christian counseling credit card debt and bad credit merchant bank credit card agreement online credit card processing esact family member and credit card fraud instanst online credit card approval providian credit card 0 credit card a 0 finance credit card services by chase credit card 0 apr balance transfers credit card approval online sears credit card pay bank of america business credit card "orchard bank" credit card government credit card debt relief student visa credit card application credit card terminal for free chase visa credit card account access phone number to providian credit card services instant online approval credit card applications instant approval credit card for bad credit credit card debt management chase how to obtain an unsecured credit card with bad credit instant online credit card approval with no fees debt reduction solution credit card graveyard card consolidation credit debt help washington mutual providian credit card bad credit need a credit card applying for student visa credit card account pre paid providian credit card credit card payment service card consolidation credit debt loan reli citi corp credit card aspire bank credit card best credit card for people with bad credit college student platinum credit card newtek credit card terminal 36 months 0 interest on balance transfers credit card first national merchant credit card advantage discover credit card 0 instant approval credit card offers citibank credit card application credit card debt help ipb board apply for instant credit card apply for an unsecured credit card credit card fraud protection in china