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Which credit cards are NOT serviced by FIA Card Services?

FIA Card Services was formerly known as MBNA until purchased by Bank of America in 2006. Despite being owned by Bank of America, FIA services cards for Regions, Chase, etc…. I want to go with a card that 100% has nothing to to with the crooks known as FIA.

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Lil Wayne – Shoot Me Down – Tha Carter III

Free PS3, Xbox 360, Wii and MORE CLICK HERE – www.rewards1.com OK what do I need to do? First thing you need to do is get a “junk” email account. Since you’re going to be getting a lot of junk mail you’re not going to want it all going to your real email address, so this is what this new email account will be used for. Step 1: Sign Up Go to www.rewards1.com Once you get there click SIGN UP on the menu bar on the left and fill out your information. They will ask you for your email. I recommend you give them your real one because this is where they will email your Xbox Live code to. If you give them your spam one you might accidentally delete it. The site doesn’t spam you its all the offers you will be doing that send the junk email. They also ask for your address. Don’t worry too much about this all they need your address for is to mail you prizes. After you signup they will send you a confirmation link to your email address you entered. Click the link and you’re done. The email should come pretty quick (usually instantly). And make sure you check your spam folders. Step 2: Complete Offers Once inside you can check out the prize list. You’ll see the Xbox Live 1600 points card is 20 points – basically 1 point is 1 dollar. You earn points by completing offers and you should be able to get 20 points in about an hour or two. To earn points click on “Available Offers”. There you will see a whole list of offers and how many points you’ll get if you complete that offer. When …

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Do You Need A Business Credit Card?

Do You Need A Business Credit Card?

Even if your business is small sized, you must have wondered at some point in your business career if you need a business credit card. Well, to answer that question, let us look at the advantages of subscribing to one and how it may help your business.

Legitimacy & Credibility

The first and foremost change you would bring about by getting a business credit card is that of perception. Your customers, business associates, employees and even you, the owner will begin to perceive your business as a legitimate organization with credibility. With this you would have automatically distinguished your business from your competitors and most likely, moved your company up to the next level.

Easier Bookkeeping

Most people dread reconciling the accounts. However, the day-to-day operations of your organization can be made a whole lot manageable with a business credit card. Your expenditure on purchases, operation and office necessities can be made with the card. There is no need to fork out any cash. The best part is that you can keep track of every expense with the management reports that are provided with the card. These reports even include itemised listings of purchases. Now, that makes bookkeeping seem like a breeze, doesn’t it?

Separate from Personal Expense

Business credit cards are issued in the name of the company and not yours. This allows you to keep your personal and business accounts separate. Furthermore, the debts of your company become the responsibility of the business and not you.

Note of caution: If yours is a new business, the business credit card may be issued based on your personal credit history. You may even have to sign a personal-liability agreement. This is not recommended (but mostly unavoidable for new businesses) because if you run into any problems with payment, your personal credit history may be severely affected although the expenses were not personal but for your business. In order to establish a distinct business credit history, you may want to register your company with a business credit bureau as soon as possible. This allows you to eventually give up your personal-liability agreement.

Benefits to Key Employees

It is inevitable, sometimes, for employees to have to shell out their own money to cover purchases made for the company. This practice, albeit common, is not fair to them. Providing your key employees with a business credit card will eliminate this practice and make the running of your company smoother and more efficient.

Note of caution: Although business credit cards prove to be advantageous, there is a real danger of employees being dishonest and misusing the business credit cards. Be vigilant and keep track of any spending on the business credit cards using the management reports. If you discover any instance of fraud, report it immediately.

Spending Limits This feature is usually considered a plus. It helps keep your business expenses in check and prevents the danger of getting into debt. There are usually limitations on purchases as well as withdrawals from ATM. These limits are also applied to the business credit cards that you may issue to your employees.

Savings & Safety

By paying for your expense only once a month, you would effectively be stretching your company’s dollars further. Moreover, as long as you pay within the grace period (please do this religiously), you will not have to pay any interest on the amount that you had borrowed from the credit card company. Using business credit cards is usually cheaper than using cheques. With business credit cards, you can make online purchases or orders which are usually more economical as compared to buying in stores. You can also avoid carrying around large amounts of cash when making purchases or paying for the operations of your company.

Perks & Rewards

Business credit cards are often complemented with perks and rewards such as flying miles and discounted hotel stays. Compare these perks and select a card that suits your particular business needs. Choosing the right set of perks and rewards may help you save on your business operation costs. Business credit cards can prove to be an asset as long as you use them wisely and carefully. Compare the offers available thoroughly. Watch out for any hidden costs and read the fine print in your contracts circumspectly. Do not be swayed by the attractive perks. Compare the perks as well as the rates, customer service, terms and solutions conscientiously and you’ll probably save yourself a lot of money.

Uma Ilango is a programmer from profession. She writes regulary at Bigarticlepool.com. Thousands of new articles are added every month.

Credit card payoffs – highest interest rate or lowest balance first?

I have 4 credit cards and a loan that I owe $20K. I recently read that I should pay off the lowest balance first, but my husband thinks I should pay off the highest rate first. Any suggestions?

Picking Out the Right Business Credit Card

One of the biggest mistakes that a business owner can make is to use his personal credit card for business financing. Combining both your personal and business accounts will not only prove to be difficult but confusing as well. This is especially true as your company starts to grow and your expenses increase. Even worse, such a move can put your own personal credit history at risk.

If you’re a business owner, it is strongly recommended to get a credit card that is especially designed for business. Start by finding a business credit card that matches your business’s spending style and needs. Here is a checklist that should help you pick out the right credit card for your business:

Choose a credit card that reports to the business credit bureaus. Before applying for a credit card, make sure that you have registered your company with major credit bureaus like Dun & Bradstreet or Experian. Next, make sure that your credit card company will report your monthly payment to the business credit bureaus. Take note that personal credit reporting agencies works separately from business credit bureaus. Also, bear in mind that this is the only way that you can build up your credit history.

Compare different credit cards and find the one with the best deal. Not all business credit cards in the market are the same. Some have greater offers while others may offer less. The only way you can compare accurately is to check the complete Terms & Conditions of the credit cards you’re considering. Remember that the ads won’t tell you everything. It is up to you to examine the real deal that the credit card offers.

Consider your payment habits. How do you intend to pay off your credit card charges? It’s best to pay off your monthly balances in full to avoid the extra interest rate and late penalty charges. However, you’ll still want to get a card with a low APR just in case you need carry over your balance for the month. Also, consider getting a card with no annual fees and reasonable late penalty charges.

Don’t submit many credit card applications at once. Only submit an application to the credit card company that you seriously want to get. Why is this important? Each time you submit a credit card application, the credit card company would check on your credit report. Too many inquiries in your report will only hurt your credit score especially if your application gets denied. Add to this, don’t forget to check your credit rating first and see if you’re qualified to apply for the business credit card you want.

Choose a credit card with the best features. Don’t forget to choose a business credit card that offers important features such as the no liability protection for unauthorized charges, emergency card replacement, travel insurance, online account access, year-end account report, downloadable account reports, free supplementary cards for your employees, extended warranty and purchase protection, and a reliable customer service.

Pamela Williams is a Loan Consultant, Internet Marketer, Writer and owner of BusinessCreditCardSite.com, a finance company Las Vegas Nevada providing support for businesses all across the US particularly with obtaining business credit cards. Visit www.BusinessCreditCardSite.com

Possible Disadvantages of Business Credit Cards

As a business owner, you already be aware about the popularity of business credit cards in the market.Â Most financial experts suggest small business entrepreneurs to apply for a business credit card as an easy way to start building a business credit.Â Business credit cards are also considered as a convenient mode of payment for businesses, an easier way of monitoring business expenses, and a great tool for separating your personal money from your business finances. Â

But what about the drawbacks of business credit cards?Â What possible disadvantages should you be aware of?Â Presenting the risks of small business credit cards is not meant to discourage business owners from getting one.Â Instead, being aware of these risks can help a business owner to become more responsible with the use of business credit cards.Â Thus, consequences and problems that result from incorrect use of business credit cards can be avoided.

The Drawbacks of Business Credit Cards

The personal liability clause.Â When you apply for a business credit card, you should know that there is a personal liability clause thatâs included in your contract.Â This means, you are personally accountable for all debts that would be incurred using your business credit card.Â This also means that your personal credit history can be affected if your company fails to keep up with your payments on your business credit card account. Â

If you have employees working for you, you should definitely be concerned about this.Â Business credit card companies provide supplementary cards that can be distributed to certain employees.Â However, take note that if your workers abuse your business account for their personal expenses,Â you can still be held liable for its repayment. Â

Therefore, it is recommended that as soon as you started the business, register your company for a corporate credit right away.Â It can take a year or more before you are completely set free from this personal liability so the sooner you establish your business credit, the sooner you can be free.

You canât dispute charges on your account.Â Since a business credit card is considered to be owned by a company, not by an individual, it is excluded from the Consumerâs Bill of Rights.Â Consumers are entitled to dispute unauthorized charges on their account.Â However, as business owner, you canât exercise this right.

Remember, if you incurred unauthorized charges in your account, you may call the merchant involved and explain your situation.Â However, if the merchant refuses to acknowledge your complaint and leave those charges in your bill, you would be liable to pay for them.Â Therefore, you need to be careful about using your credit card for payment especially when dealing with online dealers and suppliers.

The risk of credit card debt.Â Getting stuck in credit card debt is a dangerous thing.Â Because of the high interest rates that you incur each month, along with the additional charges (late penalties, transactions fees, etc), you can easily find yourself in bad debt in just a few months.Â The risk is even greater if you own more than one business credit cards.

Therefore, if you do decide to get a business credit card, you should pay special attention on how you keep up with your payments.Â Avoid carrying over your balance from month to month.Â Instead of submitting only the minimum due required by your card, make it a point to settle your monthly balances at all times.