U.S. lenders report loan and credit-card activity to credit bureaus based on billing addresses, but that activity could stop if you change your credit-card accounts and loans to a foreign address.

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We recently bought a company out of Europe that does a tremendous amount in the area of billing and credit card style.

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Users are then responsible for registering a single account with a valid email address, credit card details along with a billing address (alternatively, a valid Paypal ID).

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They already have monthly billing just like the credit card companies, so why not push that out and have people use their phones to make payments.

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Mobile gaming fans in more than 52 countries will be able to purchase titles without the need for a credit card, via Nokia's extensive direct billing agreements with over 145 operators.

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However, while investigating the breach over the weekend, Honan said he confirmed twice with Apple tech support that only two pieces of information are required to get access to an iCloud account: a billing address and the last four digits of the credit card associated with the account.

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The new billing practices will make it harder for banks to generate the same revenue from their credit card divisions.

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The ExxonMobile Smart Card, a chip-embedded gas-only card that is coming out later this year, will allow card holders to earn a six-cents-per-gallon credit on up to 100 gallons in each billing cycle.

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