Business Credit Cards Guide
May 29, 2010scfm 18 Comments »
Business credit cards are a helping hand for those entrepreneurs who are running their own businesses. A business credit card not only acts as a line of credit but can also help to provide you enough control in managing your companys finances and cash. When business credit cards were first introduced it was mainly aimed towards corporate executives. However, this trend has changed and nowadays even small business owners can acquire business credit cards fairly easily. Business credit cards have become a versatile tool which allows business owners to utilize effectively over time as their business needs change.
A majority of the business credit cards come with a wide range of features including cash advances, cash rewards, airline miles, one-call emergency service, and insurance coverage. The features included in a business credit card vary from one card provider to the other, but most of the credit card companies offer an attractive introductory rate for the first few months from the date of opening your account. After that initial period the customer will be required to pay a higher ongoing APR and the card also might require an annual membership fee.
One of the major advantages of a business credit card is that it provides a significant increase in financial control. The cards allow you to simplify and manage your business expenses well, eliminating the need to use a personal credit card for business expenses. Another most important feature of a business credit card is that small business owners can make use of these little pieces of plastic to provide financing or emergency “bridge loans” for their business when stuck in cash flow shortages. And even thought it is not explicitly stated in the business card features, business owners have made use of business credit cards for start-up funding as well.
Nowadays, there are myriad small and medium sized companies which make use of business credit cards as an efficient financing tool. There is a wide variety of credit card issuers that offer business credit cards with various schemes and features. Because of the many opportunities available, it is highly recommended to thoroughly contrast and compare business credit cards to select the ideal card best suited to your specific business needs.
Tips for Choosing a Business Credit Card
Before you apply for a credit limit on a business credit, make an estimate of your monthly business expenses and your history of repayment. Make sure that you apply for a credit limit that you know is within the bounds of your expense limitations, but equally important, will also take into account the growing needs of your business.
If you have several employees working under you, you need to determine how many cards your business may need and which employees will require cards for business expenses. Obviously, before you issue cards to any employees make absolutely sure that they are trustworthy.
Also, make sure that during this process that you determine your business requirements for ancillary services. That is, if you or your employee has to travel regularly for business needs, then it is a good idea to find out those business credit card issuers who offer free air miles, travel insurance, and hotel discounts.
Be careful about the introductory interest rates offered by business credit card issuers. Most of these offers are designed to entice new customers and after an initial period of six months to one year, the interest rates will increase substantially. So when comparing business credit cards, one of the most important things to check is the regular interest rate versus the introductory APR and which card compares favorably in that regard.
So if you are planning to start a new business venture, try to utilize the entire suite of benefits that a business credit card offers that can fund, track and reward your business activities.
Tags: Business Credit Card, Business Credit Cards, card, Compare Business Credit Cards, Credit
Posted on May 29th, 2010 at 4:10 am
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Posted on May 29th, 2010 at 4:27 am
You will have to use a 3rd party software. A lot of businesses use Netnanny http://netnanny.com
Posted on May 29th, 2010 at 4:28 am
A true business credit card is a line of credit that is taken in the name of the business, under the business' credit. Activity, whether good or bad, is reflected on your business' credit report through D&B and other financial institutions, and the liability for any debts incurred and bills owed is with the business.
However, some companies out there offer "business" credit cards which they require a person guarantee for. These institutions will often ask for a personal guarantee, and will almost always ask for a social security number from the person applying for the card. If this is the case, the credit card is not a business credit card, but is simply a personal credit card which is used for the business. The business is not liable for bills and debts – you are.
When applying for a credit card for your business, watch out for areas asking for your SSN (and not your TaxID or EIN) and be wary of any credit card that asks for a personal guarantee. By ensuring that your credit card is in the name of your business, you can help to build your business' credit, while avoiding creating problems with your own.
Many companies offer a list of credit cards that are issued under the business name only. Those lists typically run $300-$900, depending on the quality of the information inquiring. I would suggest starting your search online via google or yahoo. Search for "strong business credit" (just like that in quotes) to find services that sell the information.
Good luck,
Ilya Bodner
Small Business Owner
Initial Underwriting Group
Posted on May 29th, 2010 at 4:39 am
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Posted on May 29th, 2010 at 5:17 am
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Posted on May 29th, 2010 at 7:23 am
This is all a little confusing…
They are talking about two different services.
You need an 'Internet merchant account' and a 'payment gateway'.
You can get an internet merchant account from one of your local banks, or from someplace like WorldPay
A lot of payment service providers will set you up with a merchant account and a payment gateway. BankDirect is WorldPay's payment gateway. Authorize.net is another brand of payment gateway, probably the most popular and well supported by shopping carts.
The merchant account is a relationship that you arrange contractually between your business and the banks/Visa that says you can accept credit cards. The 'payment gateway' is the tool that you use to actually process payments. It's analogous to a credit card terminal. Your shopping cart will hook up to the payment gateway.
Your Internet merchant account, and your ecommerce shopping cart will both have a selection of payment gateways they support. You will want to make sure they can both agree on a payment gateway.
Posted on May 30th, 2010 at 10:16 am
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Posted on May 30th, 2010 at 10:58 am
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Posted on May 30th, 2010 at 12:10 pm
You should be eligible to borrow federal student loans, regardless of credit. Talk to the financial aid office at several of teh schools you'd like to attend. They will determine your cost of attendence and let you know how much you'd be allowed to borrow for your education. Don't worry too much about bad credit.
Posted on May 30th, 2010 at 1:29 pm
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3.. hold breath for 10 secs
4.- look at your hands
Posted on May 30th, 2010 at 6:44 pm
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Posted on May 30th, 2010 at 9:25 pm
Sounds like you have fallen prey to a scam. Contact them and tell tell not to charge your card. Call your card issuer and tell them not to accept any charges from these people. I hope that you have learned your lesson.
Posted on May 31st, 2010 at 12:14 am
That’s an interesting point.
Posted on May 31st, 2010 at 2:28 am
Normally at your age you shouldn't file bankruptcy. You could see if there is a way you can consolidate your debt. I don't know if this will help, but here is a link to a consolidation company. Another thing at some point you should consider getting some kind of new credit just to show positive history again.
http://www.creditwish.com/debtrelief.html
Posted on May 31st, 2010 at 3:23 pm
Same answer I give to all "Is it safe to buy" questions:
Use a credit card – a real credit card, not a visa debit – and you //should// be protected from internet fraud. If it goes wrong, phone Visa and tell them – they should stop the payment and reverse the charge on your card. Then they will pursue the internet vendor for you (or rather their money).
No one can tell if a site is going to be safe until they use it – the thing about people trying to scam you is that they tend to put a lot of effort into making their sites look legitimate.
Posted on May 31st, 2010 at 5:23 pm
Be straight up. You don't need to share ALL the reasons.
But share the biggest one.
Tell her how you have tried to help, guide and show how to do this or that … but it takes two people and you think you are going to have part ways ..
Get through to her that this has nothing to do with her and you hope that she will stay in your life still ..
13 Yr olds need good role models, try your best after to still talk and be in her life.
Good Luck!
Posted on May 31st, 2010 at 5:23 pm
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