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Double Your Profits
Easily Double or Triple Your Profits in Any Business
To some it may seem like common sense, but many folks running their own businesses don't do this one simple thing to keep their business and profits growing.
Whether you're running an...
How To Compete With Amazon.com
If you are selling online,here is the down side of our business....you will never be able to compete with Amazon. (Or Kmart, or Target, or any other big outlet) Here is why, They buy directly from the manufacturer in such huge quantities that they...
Managers: Paying for PR-Lite?
As a business, non-profit or association manager, your public relations expenditure may give you names in the newspaper or product plugs on radio. But what about key stakeholder behavior change – the kind that leads directly to achieving...
Why Do You Want PR?
To get someone’s name in the newspaper or a product mention on a radio talk show?
If that’s all you expect, fine. But that response tells me that, as a business, non-profit or association manager, you may have overlooked an important...
Why You Should Learn HTML
Do you have a website or are you planning on creating a website in the near future? You owe it to yourself to at least learn some basic HTML (HyperText Mark-up Language). Even if someone else is creating and maintaining your website there are some...
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Various Types of Credit Cards - Part 2
Copyright 2005 Gibble LLC
Several different types of credit cards offer several different options, depending on what your needs are. Some are geared toward individual consumers while others are set up in ways that work best for small business needs. To know what type of card fits your needs, let's review a few of your options.
Business Credit Cards
A business credit card offers the business owner the opportunity to keep business and personal expenses separate. The card may offer special business rewards and saving opportunities that go above and beyond what the individual card owner may have. Since money management is essential in successfully running a business, the card may offer an expense management service that will allow you to keep track of the outgoing money. You can obtain additional cards for employees who may need them for travel expenses and such as well as have a higher credit limit than you normally would on an individual card.
Student Credit Cards
Many credit card companies will issue student cards that have lower credit limits and fewer incentives to help keep their spending in check. Still, take note. Many college students graduate with a credit balance that averages between $3,000 and $7,000 and with interest rates, this can be a real problem when trying to pay them off.
Prepaid Debit Cards
Prepaid debit cards are one type of credit card that has grown significantly in recent years. Although they work like a traditional credit card when making a
purchase, that is where the similarities end. With prepaid debit cards, you have actually prepaid and set the credit limit by depositing money onto the debit card. Depending on how much you have deposited into the debit card's account depends on how much credit limit you want on that card. This is a great way to have the convenience of a credit card without the chance of charging more than you can afford to pay off.
Credit Cards For Bad Credit
It is possible, even with bad credit to obtain a credit card. These cards will come with some restrictions not typically found on other types of cards. Your credit limit will be lower and your interest rate higher. Some may require you to have a secured card, meaning you have to maintain a savings or some other type of account that will cover the expenses on the credit card. Once you have established that you will be responsible, some, if not all, of your restrictions may be lifted.
Cash Back Cards
Many cards will now offer you cash back incentives for using their cards. Depending on how much your balance is and how often you use the card, you can earn cash back for your purchases. Some companies offer 1% off your balance while others, like Sears, will offer you cash off purchases made in their store. Either way, if you are planning on using a card, finding one that will offer you a cash incentive is a smart choice.
For more information and resources on credit cards, please visit: http://www.thebankcreditcardlist.com
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