Business Credit Card Can Help Owners Go the Extra Mile
Business credit cards, quite simply, provide much needed credit for small businesses, while also providing a smart plan for managing cash flow. Many providers offer detailed credit reports to assist businesses improve their credit ratings. The cards can assist businesses in separating personal debts and business debts. Lenders will send statements monthly to help business owners keep track of expenditures, as well as providing online reports.
Low Introductory Rates
One of the lowest rate cards on the Internet is often the Advanta Platinum Rewards credit card for business. The card offers a very low ongoing APR, as well as a 0% introductory APR up to 15 months, including 0% APR on balance transfers. You must have good credit to apply for the card most times, however once accepted, the credit lines reach up to $50k. The rewards could include 5% on travel rewards or cash back, and no fees are applied on travel rewards.
Business Credit Cards
The Gold Delta Sky-Miles Business Cards offer a FREE first year holder and 15,000 Bonus Sky-Miles, on the initial usage of the cards. Cardholders receive “double miles” and 0% Introductory APR on purchases. And few companies will provide a credit decision in less than one hour.
Some of the business credit cards offer bonus points of up to 15,000 applicable, many times, after the cardholder has made his/her first purchase. There are some annual fees for a few of the card offers, but if so, potential applicants should demand a rewards feature with the card. Some offers provide businesses with significant reward points for per each dollar spent on business supplies and services. Most providers will offer a free quarterly and annual statement that tracks expenditures by spending category.’ Business owners can apply for as many cards as needed. In addition, there is a 0% APR up to one year.
Additional benefits of business credit cards may include, a collision damage waiver, coverage for vehicle rentals, emergency cash disbursements, and card replacements. The cards for business may offer inquiry services, fraud protection, assistance for emergencies during travel, and security on purchases and “extended protection.”
For example, the Business Cash Rebate Credit Card from American Express offers 0% APR for the first six months. There are no limits on cash back programs, no bare minimum expenditure requirements, no annual fees, and the cardholder receives 5% Cash Rebates. For more information, visit the Internet where you can search and compare some of the best business credit cards online!
Buy A Car With Bad Credit - 4 Tips On Getting Approved
Financing a new or used car with poor credit is feasible. However, there are ways to boost your approval chances and possibly acquire a reasonable interest rate. Do not enter the car buying process blindly. Individuals with good credit have many options. On the other hand, if your credit is bad, you must search for a good deal. Here are four tips to help you obtain a car loan with bad credit.
What is Your FICO Score?
FICO scores range from 300 to 850. The lower the score, the higher the interest rate received on an auto loan. Having a low credit score does not remove the possibility of getting a new or used car loan. However, a low credit rating will greatly affect the interest rate on these loans.
Before applying for an auto loan, obtain an online copy of your credit report and score. If your score is below 600, consider postponing buying a car. Instead, devote six months to improving your score.
Maintain Steady Employment
Along with credit report rating, auto loan lenders require applicants to have steady employment. Often times, an applicants must earn at least $1200 a month. Steady employment usually consists of having the same employer for 90 days. Thus, avoid changing employers every two to three months. To prove employment, auto loan lenders may request copies of recent paycheck stubs.
Get Pre-Approved with a Sub Prime Auto Lender
Before browsing the selection of vehicles at car dealerships, attempt to get approved with an online sub prime lender. These lenders help many people with bad credit obtain financing. There lending requirements are flexible however, sub prime auto loans have higher interest rates. If eager to buy a new car, accept the higher rate, and then refinance at a later date.
Apply with a Co-Borrower
The easiest way to get approve for an auto loan with bad credit is to apply with a co-borrower. If the person co-signing the loan has excellent credit, this may justify a better rate. Of course, there are risks to using a co-signer. If the primary borrower becomes incapable of making regular monthly payments, the co-signer becomes responsible for the loan.