Every month, new online casinos launch in the United Kingdom and around the globe and, to be brutally honest, many of them are ten a penny. Mediocre design, limited choice of online slots, and unreliable customer support, to name a few factors. So how can you split the best from the rest and quite literally find the needle in the haystack?
As a player, there are a lot of things to look out for when signing up with an online casino and it would take you weeks to go through every page and find the relevant information to make an educated decision. Fortunately, there are websites out there that do the job of reviewing, testing and comparing gambling operators for you. Visit SmartphoneCasinos to find the best casino sites in a split second as the review website has put together all information in one handy place.
Below, we talk you through the most important factors to look out for when choosing a slot site as per recommendation by SmartphoneCasinos.co.uk.
Casino Sites with Free Spin Offers
If you want to find the best casino sites for slot games, the first thing to look out for is free spin offers. Most operators have partnered up with several games developers and offer north of 1000 online slots, and it might take a while to find the perfect game. While on the hunt for that game, you ideally don’t want to spend you hard-earned cash. Free spin offers give you a chance to play with the casino’s money and literally let you try before you buy.
Spins With No Wagering is a Bonus
What’s better than free spins? Correct — spins with no wagering requirements. Back in the days, most spin offers came with strings attached. Usually, you had to wager your winnings from the bonus up to 50 times before requesting a withdrawal. In the last two years or so the tide has turned.
PlayOJO, one of the most popular slot casinos in the UK, introduced wager-free spins as one of the first brands in 2018 and since then, a lot of its competitors have followed. It means that whenever you win money with the casino’s money, you can A) keep your winnings in full, and B) request a payout immediately. Whoa!
Payment Options and Customer Support
If you decide to play online slots with real money, having a broad choice for making deposits and receiving payouts is crucial. For smaller withdrawals, you might want to choose an e-Wallet like Skrill or Paypal to access your funds immediately. On the side, larger payouts should probably go to your bank account or a credit card because fees are lower.
And if things go wrong, you want to be sure to have someone to talk to and solve your issue. For that reason, it’s crucial for a casino site to have a round-the-clock customer service team in place that speaks your native language.
There are more things to look out for so please make sure to always visit an independent review site before signing up with an online casino. Good luck!
How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That
Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®
What’s Keeping Millennials From Accessing Credit?
The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.
Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.
The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:
- Payment history
- Amount owed
- Length of credit history
- Credit mix
- Hard credit inquiries
You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.
The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.
The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.
Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.
It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.
How Credit Bureau 2.0 Fixes Those Problems
Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.
Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.
The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.
Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”
- Interview with Omar Choudhury: The 22-Year-Old Million Dollar Business Growth Expert August 16, 2022
- Benefits of Using Dry Suction Technology For Gear Equipment August 14, 2022
- Traumatic Brain Injuries A Common Occurrence In The US. Here Is Why August 13, 2022
- Limited Options for COVID-19 Vaccine Injury Victims August 13, 2022
- Why Accidents Involving Self-Driving Cars Are So Complex August 13, 2022
- Dangerous Dog Attack Lawsuits: What You Need to Know August 13, 2022
- Gun-Related Deaths Surge During the Pandemic August 13, 2022
- Tribal Loans in US market August 11, 2022
- The marketing industry is dominated by Aidan Sowa August 9, 2022
- Ali Mustafa Ahmad’s Story Truly One Of Rags To Riches; Filled With Inspiration Towards Those Seeking Change! August 9, 2022
Tech1 year ago
Effuel Reviews (2021) – Effuel ECO OBD2 Saves Fuel, and Reduce Gas Cost? Effuel Customer Reviews
Tech3 years ago
Bosch Power Tools India Launches ‘Cordless Matlab Bosch’ Campaign to Demonstrate the Power of Cordless
Lifestyle3 years ago
Catholic Cases App brings Church’s Moral Teachings to Androids and iPhones
Lifestyle2 years ago
East Side Hype x Billionaire Boys Club. Hottest New Streetwear Releases in Utah.
Tech4 years ago
Cloud Buyers & Investors to Profit in the Future
Lifestyle2 years ago
The Midas of Cosmetic Dermatology: Dr. Simon Ourian
Health3 years ago
CBDistillery Review: Is it a scam?
Entertainment3 years ago
Avengers Endgame now Available on 123Movies for Download & Streaming for Free