Today, customers are now getting so much used to paying with credit cards that they hardly carry cash around. This explains why you must have a system for accepting credit card payments for your small business. Without such a system, your business would shut out several potential customers and lose out on tons of sales…

 

The first step to avoiding bad credit is choosing your credit card provider carefully. Some credit card companies offer better rates and rewards than others. All these offers and rewards make it easier for people to manage and repay their debts. Before you choose a credit card, here are some tips to help you compare…

 

You check your mailbox, and you see it’s filled with letters. And you think there has to be something interesting. But then, you start checking each letter one after the other. After the whole checking process 19 out of the 24 letters in your mail were sent in by credit card companies trying to force…

 

If you borrow money from a bank or any other lending institution, you will be required to pay interest to the lender for the money you borrowed. Your interest rate is a way of expressing this cost over a specific period of time, usually a year. And this rate is always expressed as a percentage…

 

Your credit limit is the maximum amount that a credit card company or bank allows you to charge on your card. Some issuers set this limit based on your likelihood to pay your credit card debts. With such issuers, a low credit limit indicates little trust in your ability to spend and pay, while a…

 

Anyone would jump at a credit card with zero percent introductory interest rate. It’s just natural. Not having to pay any interest for the first three months or so sounds really cool, you know? And most of the time, you are so eager to get the card that you forget to think about what happens…

 

Credit cards have become a basic necessity of life. Shopping, traveling, health care and even feeding are paid for with credit cards and when you manage your credit card properly, it earns you good credit rating and financial institutions and other agencies see you as someone who is credit worthy and wouldn’t mind doing “credit-type”…

 

Applying for a credit card is the first thought that usually comes to mind whenever you need to make some purchases and would need more cash than you presently have. And that’s a fine decision. However, applying for a credit card is no guarantee that you will be issued the card. The credit card issuer…

 

If you are battling with the problem of bad credit, secured credit cards can help you rebuild your credit history. Unlike prepaid credit cards, secured cards give you a line of credit, and your major payment activities will be reported to the major consumer reporting agencies (this ensures that your activities are well recorded in…

 

Everyone has need for cash every time! Unfortunately, not everyone has access to cash at every time they need it. A good example is salary earners. Most of them need cash sometimes to meet up with important obligations before payday. It’s not every time that you need cash that you run to the bank for…

 

It’s just like you learned when you were younger. Nobody’s perfect! Everyone has made mistakes at one time or the other. Financial mistakes are quite easy to make. However, the damage caused by financial mistakes can take some time to undo. It can be as small as forgetting to pay the minimum balance on your…

 

You need to make some purchases, but you really don’t have the money at hand for now. Then you decide to go for a credit card. And you send your application to the credit card issuing company. A couple of weeks later, you get a letter from the same company. With raised hopes, you tear…

 

A lot of people get the concept of having a credit card wrong. Yes you have a credit card but it’s not so that you can take a trip to the Bahamas on an income of less than $500. There’s nothing bad about doing so, but do it out of your savings, not financed with…

 

In today’s society, having some debt hanging on your neck is becoming almost inevitable. But having a credit card is a smart way to take charge of your debts, keep your finances in order, and even increase your credit score and worthiness. Having a credit card is now becoming even more essential, not only because…

 

If you have a low credit score, then getting a credit card will be very difficult. This is because most credit card issuers don’t want to take the risk of loaning a credit card they might not get paid for. But if you are facing the harsh reality of bad credit, you are not completely…

 

A credit card can come in handy when you need to make payments on the go without having to carry cash around. Even though it doesn’t come without its own obligations and downsides, a credit card is one of the most commonly used sources of additional funding. Getting a credit card is usually easy, but…

 

How do you negotiate credit card debt with collection agencies? Well, this article will explain in details how to negotiate credit card debt settlement yourself. According to NerdWallet, the average household in America has $15,191 in outstanding debt. This explains why living under debt has become the norm for many people in America and in…

 

While debt is not necessarily a good thing, it can be instrumental to the success of your business—if used wisely and paid back on time. As a small business owner, there are times when you will need to expand your business or embark on necessary projects that cost more than you can afford. In such…

 

Anyone can apply for a business credit card, even if they don’t have a business. This fact is unknown to many people, but it’s the plain truth. What most people believe is that only full-blown businesses can apply for and obtain business credit cards. However, if you are a small business owner or just an…

 

Because a business credit card can help a business manage its finances more efficiently, it is an indispensable tool for small business owners. With a business credit card, you can easily fund the day-to-day operations of your business and make larger investments for the long-term. So, a business credit card provides your business with an…