3 Ways For Your Business Credit Card Approved

If you run your own business, whether it's retail stores, direct sales, hobby shop or freelance consulting, chances are you've been thinking about getting a business credit card. It's probably a good idea because it makes it easy for you to separate business expenses from the cost of household, also helps keep documents organized and simplifies things at tax. When you are ready to apply for a business credit card, follow the checklist below:

1. Select a card
Some cards offer special deals, financing or rewards for small business owners. For example, some cards offer you a percentage of cash back for everything you buy at certain stores, such as grocery stores or shop online. Other cards offer cash discounts when you use it in the supermarket, gas station or hardware store. If you are a frequent traveler, frequent flier or travel card may make you get the best and biggest. Choosing the right card depends on the type of business you operate.

2. Gather the necessary documents
You will need basic information about the company's financial situation, including your business name, tax identification number, business address, how long you have to be the owner, the number of employees, nature of business, annual average income of your business and the amount of the business' checking account. You also need to know the legal entity of your business as if it was a sole proprietorship, corporation, partnership, nonprofit, etc.

3. Fill out application
You can find credit card applications for virtually all types of business credit cards even though in most cases you can also receive the offer over the phone (a good idea if you have questions). Depending on your credit, you may have to provide additional documentation regarding the financial status of the business so be prepared to send by post or fax on request. After you fill out the application, approval can take anywhere from thirty seconds to a month.

To find business credit card information online, do a search on the Internet or check the major credit card company's site.

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4 Features To Look For In Credit Card Airline

Credit cards of airlines continues to gain popularity in recent years. Airlines and other companies related to the travel industry to the benefit of customers in order to more frequently use their services and strengthen brand loyalty. Consumers with good credit history to get greater benefits from their credit cards. Basically airline credit cards operate the same way, the purchase is charged to a credit card that gives cardholders points for travel, these points can be redeemed for a variety of ways, such as contributing to free travel, hotel stays, care in a car wash, etc.. Four features that should be considered when choosing a credit card airline written below:

Low Interest Rate:
The cost of credit is measured in terms of an annual percentage rate of interest. A good credit profile helps to get a low annual percentage rate, which is + 4%. Most credit cards offer a "variable rate" in which the percentage change in annual interest run certain economic indicators. The interest rates vary by card and is influenced by other offerings such as the grace period, annual fees, bonus points, etc.. A card holder who does not carry a monthly usage does not have to really worry about interest rates, but those who transact their balances forward can select from a number of airline credit cards that impose low interest rate. Some cards offer an introductory rate with 0% interest on balance transfers for a period of time, usually 12 months.

Spending limits:
Limit credit card spending limit airlines can vary from several million to hundreds of million rupiah. Monthly minimum payment can increase with higher spending limits. Some credit cards allow users to spend more than the credit limit, but settled penalty fees to be paid in the following month it was. Credit card bills can quickly balloon to unmanageable proportions. Therefore, someone with wasteful behavior are advised to carefully consider the spending limits that have been set before a credit card flight.

Compatibility with other frequent flyer program:
It is important to check whether the airline credit card offers this feature. Portability mileage desirable because it allows the freedom to use the services of more than one airline for redeeming points. By not tied to one airline, the user has increased the number of destinations to choose from. Credit Card Bank-sponsored airline offers greater compatibility with a frequent flyer program compared to airline credit cards which usually focus on a single airline.

Annual Fee:
There are some airline credit card that does not charge an annual fee. Non-airline credit card that allows users to collect mileage is usually free of charge. The purpose behind the fee is to fund free mileagel and other free things. Average annual fee for a credit card airline is around Rp.700 thousand.

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4 Tips To Make Your Credit Profile bright

As a consumer, you need to learn the importance of establishing a good credit rating to the lender. Are you shopping for a new house, a car or find best deals on insurance, your credit worthiness will be judged by the credit score.

A bad credit history or bad credit habits will place, a "blacklist" on your credit profile. This includes things like late payments, having an account assigned to a collection agency and of course a bankruptcy.

You need to establish good credit habits for good credit rating will improve your credit worthiness. This will be reflected when potential lenders offering much lower interest rates and better deals on credit offers.

Here are 4 tips to make your credit profile shine:

1) Pay Your Bills On Time
Lenders only have your payment history in the past to determine what kind of credit risk you are. How do you pay off the debt at the present time will show them how you will pay off debts in the future.

2) Do not Use Credit Cards Too Much Or Too Little.
Many credit experts and financial planners suggest two to four credit cards is the exact composition.

3) Pay, at least the Minimum Payment.
Always pay at least the minimum payment but never less. And remember to only make the minimum payment means that you will take many years to pay off credit cards.

Example: Pay off credit of Rp.20 million payments with interest of 18% and a minimum monthly payment of 2% (Rp.400 thousand or less) will take 30 years to pay off the amount owed plus interest.

4) Check Your Credit Report Regularly.
Monitor credit reports regularly. Check your credit profile at least annually. Check carefully and make sure that any past mistakes or disputes have been corrected.

Also if you see the accounts listed, and note that it is not you who opened the account, contact your creditors and credit bureaus immediately. This could be a sign that your identity has been stolen. Submit a request to have the signal fraud on the profile and account to protect yourself and your credit. Identity theft is a crime of the fastest growing consumers in Indonesia with estimated 1 million people become victims each year.

Start a good credit habits in life and reap the benefits that a good credit rating will give you the financial benefits in the future.

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5 Tips on Credit Card Security

At the end of the credit card security is your own responsibility. Indeed, in a worst case scenario, if it can be proven you may have been negligent in maintaining the security of your credit card, you may be responsible for all transactions made on credit card fraudsters if you lose the card. To help avoid this, here are 5 tips on credit card security:

Never have more cards than you need
Although it is always recommended that you should have more than one credit card, you should not have more credit cards than you need. The main reason is because it is difficult to keep track of credit card transactions which you have and where you have used the last of each card.

Always keep a photocopy of your credit card
How many times have you ever asked your credit card card number and then you look at your credit card to get the number? Now, what happens if your credit card is stolen and no monthly bills to see? You got a problem! For this reason, the best practice is to get copies of your credit card for so you know where to find the number should anything happen to your credit card.

Always separate the receipt of credit card transactions
Among the most important is to never store credit cards and credit card transaction receipts in the same place as they may not if you lose your card or it is stolen then you will lose the transaction receipt too. Now there is no way for you to prove the last transaction you made.

Also, do not ever record the PIN number on your credit card, it will only cause problems!

Never give your credit card number to someone you do not know
If you are ever asked to give credit card details to someone you do not know by phone or email, you should always refuse. Phone card issuer and ask them if it's okay for you to provide this information.

Never leave your credit card details for others to see.
Ask yourself "How often do you receive a subscription form in the format of letter post" Now, suppose you fill it with your credit card details and suddenly half the world has access to your credit card number, expiration date complete with your signature!

Although the above may sound like 5 Security Tips Credit Card already know generally but you'd be surprised at how many people fail to follow one or all of the list above!

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5 Advantages Having a Credit Card 0%

When you get an offer for 0% interest credit cards, you may be tempted to throw it away because it thinks that it is too good to be true. But before you throw litter boxed, carefully observe. There are several advantages to having one card credit card with 0% interest that can help you in ways that you did not know before.

1. Transferring credit card bills with high interest.
If you have a credit card that you use often but can not pay, you can transfer your credit card bill to a credit card with 0% interest. If you pay thirty percent interest in another Credit Card and have stopped using it because you are able to pay each month is the minimum bill, this is the best option for you. You can not only pay off other credit card bills but you can also get your purchasing power back.

2. Consolidate all the old credit card debt.
For those who have multiple credit cards with the use of leverage, consolidate all into one credit card 0% is the perfect way to pay off debt quickly.

3. Transferring bills that have higher loan rates.
If you have a car loan at a high interest rate, this is your chance to pay off the loan without interest. In the bank to pay it off with a credit card and pay 0% interest free to pay off this bill.

4. Make a major purchase without financing interest.
Planning to buy some furniture? Want to buy a plane ticket to Alaska? Use the 0% credit card to finance major purchases with 0 percent interest rate.

5. Improve your credit score.
By paying your bills on time every month and pay off the bills from other cards or loans, your credit score and increase your chances to be better to get a credit offer in the future.

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