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Small Business Credit Cards to Help Your New Business Grow

ukcreditcard — Sat, 04 Sep 2010 14:11:58 +0000

Are you a business owner who is planning of venturing into business? If yes, then this is just for you. If your business is old or new, it doesn’t matter what type of business industry you’re into. You have the right to take advantage of the benefits of business credit cards. Having a credit is a must for every business owner. Having a business credit card can build up your company’s reputation. Hence, even if you’ve just started the business, having a business credit card gives you more credibility. It will make a huge boost when you’re handling with suppliers and wholesalers.

For small business or home based entrepreneur owners one can apply credit card more easily. You can choose from a number of available small business credit cards that can be found online.

There are tons of credit cards to choose from, but there are two cards that stand out among the rest. One is STARWOOD PREFERRED GUEST BUSINESS CREDIT CARD. One can earn one Starpoint for every eligible dollar you spend and double Starpoints for stays at participating Starwood hotels. Redeem Starpoints at over 860 participating Starwood hotels with no blackout dates. Transfer Starpoints to over 30 frequent flyer programs. Control and track employee spending by giving them Additional Cards while you earn Starpoints for their purchases. Automatic savings when you use your Card at businesses like FedEx , Delta® , Hertz® , and more. And lastly, no annual fee for the first year, $45 each year thereafter. Their office is available 24/7, the small business team at American Express will help you with billing inquiries, Card replacement, line increases, options for extending payment, and more.

In contrast to GOLD DELTA SKY MILES BUSINESS CREDIT CARD, this credit card is ideal for those who travel frequently. This business card can get you 15,000 SkyMiles with every First Purchase. Earn up to 30,000 Bonus Miles in Your First Year. One can save on air, hotel and car reservations when you book through their Online Business Travel Center. And You Can Redeem Your Miles for Any Delta Seat, Any Time at Delta.com. Pay with Miles is an Exclusive New Benefit for Gold Delta Skymiles Business Credit Card members. Save 5% on All Delta Flights with Your Card. One Delta Mile for Virtually Every Dollar You Spend. No Annual Fee for the First Year – A Savings of $85. And no Annual Fee for Additional Cards.

After choosing, submitting your application can also be done online and the approval or response to your application can be received within minutes. So choose the card that best cater to your needs. If you’ve just started with the business and have yet established your business credit history, your personal credit history will be used for approval. It is your responsibility to evaluate each business credit card, compare one from the other, and weigh your options before choosing the one that best matches the needs of your business. Check out online credit card review sites so you can get an idea of the best or the leading business credit cards in the market.

For more info: http://www.bizcreditcards.org/

Shyr Miles is the author of Small business credit cards to help your new business grow visit http://www.bizcreditcards.org.

Clayton man admits making fake IDs and credit cards

ukcreditcard — Fri, 03 Sep 2010 10:48:20 +0000

Clayton man admits making fake IDs and credit cards
Clayton man admits making fake IDs and credit cards

Read more on Atlanta Journal-Constitution

Schumer Asks Fed to Curb Pitching of Business Credit Cards Exempt From Law

ukcreditcard — Fri, 03 Sep 2010 04:51:39 +0000

Schumer Asks Fed to Curb Pitching of Business Credit Cards Exempt From Law
Senator Charles Schumer , a New York Democrat, asked the Federal Reserve to look more closely at credit-card issuers pitching business cards to consumers, as the cards are exempt from provisions of the credit-card legislation.

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PURCHASE OF CITI CARDS CANADA INC.’S MASTERCARD CREDIT CARD ASSETS BY CANADIAN IMPERIAL BANK OF COMMERCE IS COMPLETED

ukcreditcard — Thu, 02 Sep 2010 16:49:02 +0000

PURCHASE OF CITI CARDS CANADA INC.’S MASTERCARD CREDIT CARD ASSETS BY CANADIAN IMPERIAL BANK OF COMMERCE IS COMPLETED
The purchase by Canadian Imperial Bank of Commerce from Citi Cards Canada Inc. of a substantial portion of the assets comprising Citi Cards’ Canadian MasterCard credit card business was completed today.

Read more on CNW Group via Yahoo! Finance

Metro Rail won’t accept credit, debit cards

ukcreditcard — Thu, 02 Sep 2010 13:48:47 +0000

Metro Rail won’t accept credit, debit cards
As of today, Metro Rail riders can no longer use credit and debit cards to pay for fares at NFTA payment kiosks.

Business Credit Cards – the Smart Way to Improve Your Cash Flow

ukcreditcard — Wed, 01 Sep 2010 14:12:50 +0000

One of the biggest concerns for small and medium size businesses (SMEs) is juggling time and company finances, particularly as the economy slips further into a financial downturn and priorities shift. Business owners are always looking for new ways to give themselves a little bit of financial breathing space that won’t unbalance either their business or their books. Using a business credit card could be one weapon that could help to minimise the day to day problems that many businesses encounter, giving them the chance to reappraise their cash flow and give them more control over their daily finances.

A business credit card (unlike a personal credit card) can offer SMEs greater financial flexibility and provide an alternative to expensive loans or debilitating overdrafts. If your company only needs a relatively small ‘fighting fund’ to cover daily expenses or the occasional payment to suppliers, a business credit card could be the answer. By choosing a card that best suits your company’s needs, you can reduce the amount of ‘empty money’ you pay on overdraft interest payments or loan interest charges. Business credit cards are easily managed and can certainly help a business to survive a lean month by ensuring suppliers are paid on time, thus keeping open other lines of credit essential to the operation of the business. If managed carefully it can also improve the credit rating of a business – something that, in the current climate, where banks are reigning in on business loans to minimise their exposure to ‘bad debt’, puts a business on much firmer ground.

In 2004, the Warwick Business School carried out a study of 2,500 businesses that looked into financial options for SMEs. The study found that business credit cards were the financial option of choice for 55% of small and medium sized businesses. 53% of SMEs had overdrafts, 27% used hire purchase agreements or leasing contracts and only 3% cited equity finance as their primary financial source. This study, although carried out before the current recession kicked in, is still applicable today and business credit cards are still an integral part of business life. The major benefit of a business credit card is that it gives a company a separate source of income from their main cash flow. It can also provide them with an extended, interest-free credit period when dealing with suppliers. This ‘grace’ period between payment to a supplier and the money being removed from the company’s assets via credit card payment can sometimes mean the difference between survival and closure for many small businesses.

Time management is another crucial factor, and business credit cards can also be a boon to a business in this aspect. SMEs waste valuable time (and money) by carrying out labour-intensive administrative and accounting processes. By employing a business credit card as part of an overall fiscal strategy, the time spent on complicated accounting (particularly when dealing with expenses such as travel and accommodation) can be reduced, as the statements provided by the card supplier will give a complete breakdown of monthly expenditure on all cards. This lets the accountants monitor expenses, supplier payments and other transactions quickly and easily. It also ensures that personal expenditure and business costs are kept separate, again allowing the business to chart ‘cash in’ and ‘cash out’ much more easily.

Most business credit cards allow multiple users to access the same account by issuing additional cards for employees. This gives SME owners the reassurance that employees have a payment tool that can be collated into a single account. Pre-set limits also control the amount of spending additional card holders can make, ensuring that the company does not inadvertently overspend and allowing owners to monitor individual employees’ spending. With the advent of online banking this monitoring can be carried out instantly, giving a business owner the chance to stop any overspend in its tracks. Statements can also be a useful cost-cutting tool, giving a business a window on their expenditure and if necessary making fundamental changes in their organisation to reduce overheads such as travel expenses.

There is a wide range of business credit cards available, so it pays to shop around to find the best offer that suits your particular business needs. Some cards offer ‘reward schemes’ with offers on petrol or accommodation, so if your business involves employees travelling extensively this option could save your business money in the long term. Others offer attractive APR rates or interest-free periods, which may be more suitable for a new business trying to find its financial feet. By choosing carefully, a business credit card can be an integral part of an overall financial policy that benefits a business both in the short and long term, particularly in a chilly economic climate.

Hannah Callen writes finance based articles for various websites, and finds it useful to break down the day to day financial jargon so it is easily understood. Find out more about business credit cards here.

Be skeptical of health-care credit cards

ukcreditcard — Wed, 01 Sep 2010 13:48:36 +0000

Be skeptical of health-care credit cards
These days, you may leave your dentist’s office with more than a toothbrush and dental floss in your bag. Thousands of dentists are offering patients health-care credit cards to cover the work that needs to be done, with seemingly hard-to-resist repayment terms. If you need care and don’t have in…

The Best Credit Cards for Retirees (Card Sharp)

ukcreditcard — Wed, 01 Sep 2010 10:49:16 +0000

The Best Credit Cards for Retirees (Card Sharp)
For retirees who pay off their balances, some cards that offer rewards.

The Pitfalls Of Store Credit Cards

ukcreditcard — Wed, 01 Sep 2010 07:49:09 +0000

The Pitfalls Of Store Credit Cards
Did you see Jill Schlesinger’s story on the dangers of store credit cards? For more information, click here.

Police: Cleaning Lady Stole Credit Cards, Jewelry

ukcreditcard — Tue, 31 Aug 2010 22:48:32 +0000

Police: Cleaning Lady Stole Credit Cards, Jewelry
PEACHTREE CITY, Ga. — The operator of a house cleaning service was running a side business that involved robbery and identity theft, according to Peachtree City police.