Choosing A Reward Credit Card

When you’re shopping for a new credit card, the immediate features you see that attract your attention are the interest rate and the credit card reward programs offered. If you have good credit, you most likely would be approved for a card offering a 0% APR introductory period. This introductory low interest rate extends with an average of the first twelve months you have your new credit card.

With that in mind, the next thing to consider is the type of reward credit card …
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When you’re shopping for a new credit card, the immediate features you see that attract your attention are the interest rate and the credit card reward programs offered. If you have good credit, you most likely would be approved for a card offering a 0% APR introductory period. This introductory low interest rate extends with an average of the first twelve months you have your new credit card.

With that in mind, the next thing to consider is the type of reward credit card that will fit your life style. It’s a large competitive field for your credit card dollar and the financial institutions are very creative in continually bringing out new credit card reward programs. With the ease of the internet, it is now possible to compare a larger number of credit card offers side by side.

If you travel frequently, there are a number of travel reward credit cards that offer an accumulation of points to be used for air travel, hotel reservations, cruises, and car rentals. Many of these same offers include a discount on these services too. On the other hand, some reward credit cards allow you to accumulate points for the purchases of a variety of products, to be applied toward airline miles.

If you are one who pays your entire balance each month, a reward credit card that includes cashback as an incentive could be one that would be most enticing for you. Some of the cashback cards offer as much as 5% return on your money. This can add up to a tidy sum at the end of the year.

Additional reward credit card offers include discount on gasoline purchases, contribution to an FDIC-insured high-yield savings account in your name, and an accumulation of points for gift cards from top retailers and restaurants. There is a reward credit card that fits every life style.

So, the next time you’re looking for a new credit card, after you’ve compared the interest rate, review the credit card reward incentives too. Credit card rewards can save you money!

Credit Protection Tips While Surfing The Internet

A person’s credit information is vital. If it reaches malicious hands, the identity of this person can be stolen and be used in ways that will eventually destroy that person’s credit and credibility. A person who does not protect his credit information can be easily victimized by identity theft.

In the good old days, credit protection is easy. There is only one thing to remember: do not provide financial information to a stranger unless that stranger is someone that can be…
credit protection, prevent identity theft, identity theft protection
A person’s credit information is vital. If it reaches malicious hands, the identity of this person can be stolen and be used in ways that will eventually destroy that person’s credit and credibility. A person who does not protect his credit information can be easily victimized by identity theft.

In the good old days, credit protection is easy. There is only one thing to remember: do not provide financial information to a stranger unless that stranger is someone that can be trusted. Thus, it is safe to give the social security number when applying for a driver’s license but it is dangerous to give that same number to someone who claims to be selling insurance policies through the phone.

Today, credit protection becomes complicated with the popularity of the internet. Thousands of internet surfers are careless in giving away information about their life. And the new internet users are simply trigger happy in clicking all kinds of links. They don’t realize how dangerous it can be when a person goes online.

However, there are simple and effective ways of dealing with cyber criminals who are out to steal identity. Every person must be familiar with these ways before they even begin to surf. Here are some examples of these credit protection tips.

• Physical Location – Any company that is selling an item and asking for credit card information must display the address of its physical location in its website. If it is the person’s first time to encounter such company, it is wise to first check if such physical location actually exists. If it cannot be found, then that company should be regarded suspiciously and credit card information should be withheld.

• Credit Reporting Agency – One important aspect of credit protection is credit monitoring. A credit reporting agency (CRA) can quickly identify, usually within a month’s activity, if a person’s credit information is being illegally utilized by another. In the United States, the three major credit reporting agencies are Equifax, Experian, and TransUnion. It is also a good idea to have one of these CRAs create a security watch so that the people who are obtaining credit information will be limited.

• Firewall Protection – As technology advances, the thief’s tricks of his trade also advances. The cyber-thieves have learned how to hack into a computer and steal information. The best way to ensure credit protection is to install a security system inside the computer. This security system must be constantly updated so that it will have the capacity to block off new strategies in hacking into a computer. If the computer’s security system is neither robust nor effective, it is recommended that a personal firewall is created. To be a hundred percent sure, a person should never store any personal credit information in his computer.

The internet is not the culprit when identity theft happens. The internet is just a tool, albeit a high-technology one. The real culprit is the thief which uses the internet. With the credit protection tips described above, a person can set up defenses against such thieves by also using the internet.

How Do You Dispute An Error On Your Credit Card?

Have you ever ordered something and gotten billed for it but didn’t receive the merchandise? What do you do next?
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If you have ever ordered anything using your credit card and you haven’t received it but you were billed for it, you have some options. Once you get over your initial anger, calmly follow these steps.

Write to the credit card issuer at the address for “billing inquiries,” not the address for sending your payments (the address for billing inquiries is often found on the back of your most recent monthly statement); include your name, address, account number and a description of the billing error.

Send your letter so that it reaches the credit card issuer within 60 days after the first bill containing the error was mailed to you.

Send your letter by certified mail, return receipt requested, so you have proof of what the credit card issuer received. Include copies (not originals) of sales slips or other documents that support your position. Keep a copy of your dispute letter.

It is important to send the letter to the correct company. In the case of Visa and MasterCard, you should send it to the bank that issued the card.

The credit card issuer must acknowledge your complaint in writing within 30 days after receiving it, unless the problem has already been resolved. And the credit card issuer must resolve the dispute within two billing cycles (but not more than 90 days) after receiving your letter.

What happens while your bill is in dispute?

You may withhold payment on the disputed amount (and related charges), during the investigation, but you must pay any part of the bill not in question, including any finance charges on the undisputed amount. Hi-light or circle the disputed item(s).

The credit card issuer may not take any legal or other action to collect the disputed amount and the related charges (including finance charges) during the investigation. While your account cannot be closed or restricted, the disputed amount may be applied against your credit limit.

You placed an order with a catalog company and they charged your credit card immediately. The catalog company contacts you two weeks later and says the shipment will be delayed 60 days. You agree to the delay. The 60 days have passed and you don’t have the merchandise. Can you still dispute the charge?

Maybe. In delayed shipment situations, credit card issuers often are more generous when they calculate the time for allowing disputes. To take advantage of this flexibility, include the following information in your dispute letter.

Tell the credit card issuer if the premature charge was unexpected. Some credit card issuers make an exception to the general industry rule against merchants charging before shipping if the merchant tells you about its practice at the time of sale. If you’re certain the merchant said nothing or wasn’t clear about its charge practice, the credit card issuer is more likely to allow the dispute.

Tell the credit card issuer when delivery was expected. In no delivery situations, some credit card issuers will use the expected date of delivery rather than the charge date as the start time for you to dispute charges. If you dispute the charge within a reasonable time after the expected delivery date passes, chances are good that the credit card issuer will honor the dispute. When you order or when a merchant notifies you of delayed shipment, it’s important to keep a record of the promised shipment or delivery date. Include a copy of any documentation of the shipment or delivery date when disputing the charge with your credit card issuer.

What if you used a debit card to pay for the merchandise? The consumer protections for a debit card fall under the Electronic Fund Transfer Act (EFTA) and may differ from protections for a credit card under the Fair Credit Billing Act (FCBA). So you may not be able to dispute a debit and get a refund for non-delivery or late delivery. Still, some debit card issuers voluntarily offer protections and solutions to problems like the failure to receive merchandise bought with a debit card. Contact your debit card issuer for more information about particular policies and protections.

What if you financed your purchase through the merchant? If you financed your purchase through the merchant, you also may have protections under state and federal law. Check your credit contract for the following language: Notice: Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained with the proceeds hereof. It means that you may be able to claim that the seller failed to deliver the goods as stated in your credit contract.

Don’t just suck it up and take the loss. It may take a little time to resolve your problem, but the law is on your side. Just follow the steps to file your dispute, provide the necessary paperwork, and let the system correct the problem.

Deciding Which Reward Credit Card is Right for You

This article describes how consumers can analyze and decide on which reward credit card is right for them.
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When sorting through the large number of reward credit cards that are available, it can sometimes seem overwhelming. Deciding which one is the best for you can seem like a difficult task, but it does not need to be. By taking a look at your own spending habits, lifestyle, and the benefits each card has to offer, you shouldn’t have too difficult of a time determining the best reward credit cards available.

Assessing Your Spending Habits

Your spending habits have a great deal to do with determining which reward credit card is best for you. For example, if you typically spend a great deal of money each year on a credit card, you will receive a greater return. If, on the other hand, you rarely use a credit card, you probably won’t get much out of the card. Similarly, many reward credit cards have an expiration date on the points you earn with them, which are then traded in for the rewards. If you do not spend enough on your card within that timeframe, you won’t get anything from the card. Therefore, you need to consider expiration dates and the points trade off when picking a reward credit card.

Similarly, you need to determine whether or not you will be able to pay the card off in full at the end of each billing cycle. Really, reward credit cards are best suited for individuals that can pay the balance each month. This is because reward credit cards tend to have a higher interest rate than traditional credit cards. A higher interest rate equals larger finance charges if you do not pay your bill every month. If you still have a strong desire to have a reward credit card even though you do not pay your bill in full each month, make sure to select a card with a very low interest rate. Otherwise, you will pay more in finance charges every year than you make in return.

Looking at Your Lifestyle

Your lifestyle also has a lot to do with choosing the best reward credit card. Since the majority of reward credit cards provide bonus points on certain types of purchases, you should select a card that rewards you for the purchases you regularly make already. Similarly, you should make sure the rewards of the credit card are ones that you are interested in. After all, it won’t matter if the rewards points are easy to accumulate if you have no use for the rewards! At the same time, it doesn’t matter if the rewards are fantastic if you cannot easily accumulate points.

Remember, there are several different types of reward credit cards. Some offer cash back rewards, some can be used to earn airline miles, while others can be used for a variety of specialized rewards such as gift certificates, stereo equipment, clothing, vacations, and even cars. Therefore, make sure to research your options to find the type of reward credit card that will provide you with the most useful rewards for you.

Reward Credit Card Benefits

Nearly all credit cards have benefits, the same is true of reward credit cards. In addition to the rewards programs they offer, they may also have benefits such as purchase protection, extended warranty coverage, travel insurance, auto rental insurance, and lost luggage insurance. After narrowing down your choices in accordance to your spending habits and lifestyle, make you final decision based on the extra perks offered by the card. Again, select those that are best suited to your needs and that you are most likely to be able to get use from.

0% APR Credit Cards: How Can They Do That?

During the days when the federal bank interest rates were at its lowest, back in 2002 and 2003 to be specific, countless credit card providers offered 0% APR credit cards to many consumers. Needing only to pay the outstanding balance, smart consumers were able to charge up to their limits without incurring monthly interest charges. The question that some people were asking when these cards were at their peak of popularity was this: how do credit card providers make money off …
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During the days when the federal bank interest rates were at its lowest, back in 2002 and 2003 to be specific, countless credit card providers offered 0% APR credit cards to many consumers. Needing only to pay the outstanding balance, smart consumers were able to charge up to their limits without incurring monthly interest charges. The question that some people were asking when these cards were at their peak of popularity was this: how do credit card providers make money off of this type of plan? Well, good question! Let’s examine 0% APR credit cards and the way they really work and if they are still available to you today. You just might be surprised at the answers!

Annual Fees. Depending on the credit card provider, some card holders have been charged an annual fee for the privilege of having a 0% APR credit card. Annual fees for some of these cards generally run from $15 to $20, even higher.

Late Fees. You would think that if customers had a 0% APR credit card that they would always pay them on time, right? Well, many do not. So, every time a payment is received late credit card providers would assess a late fee. With fees ranging from $19 to $39, that can add up especially if someone is habitually late.

Default Rate. Oh, that 0% rate is nice on the surface. Read the “member’s agreement” and you will quickly learn that late payments will not only incur a fee, but a “default rate” would be charged bumping up the annual percentage rate to double digit figures on existing balances as well as on new charges! If you are late you can say, “bye, bye” to your 0% APR credit card in no time.

Short Term Offer. 0% APR credit cards are still offered today. Almost always they are cards for new card holders that offer a 0% rate for a limited period of time, such as twelve months, before a higher rate kicks in, which usually is around 12%. Some cards will allow you to transfer existing credit card balances over to the new card and receive the 0% rate on transferred balances. What a great way to cut your costs and save money too!

Don’t worry about credit card providers having difficulty making money even with low or 0% APR credit cards. Rates have since increased, in some cases dramatically, making it more difficult to find a low interest rate credit card. Still, great offers exist, but you must know where to find them. Searching online for your 0% APR credit card is a great way to quickly find and compare the best 0% APR offers available.

Copyright 2006 Ed Vegliante.

Learn What Credit Insurance Can Do For You

Almost every time you make major or smaller purchases you apply for some type of credit. No matter if you are buying a house or a car, or you just go and buy some appliances or electronics for your home you’ll use some type of credit. And more or less every time you use a form of loan there are big chances that you’ll be asked to also buy some form of insurance for your credit. Before proceeding with buying any kind of insurance you should know what you’re paying for. Credit …
credit, credit card, credit cards, credit balance, credit insurance, credit history
Almost every time you make major or smaller purchases you apply for some type of credit. No matter if you are buying a house or a car, or you just go and buy some appliances or electronics for your home you’ll use some type of credit. And more or less every time you use a form of loan there are big chances that you’ll be asked to also buy some form of insurance for your credit. Before proceeding with buying any kind of insurance you should know what you’re paying for. Credit insurance is a type of insurance made on a debtor in favor of a lender and it is intended to pay off a loan or the remaining balance if the insured dies or is unable to make any more payments. The insurance for credits comes in various forms; the typical form includes credit life, credit property insurance, credit disability and involuntary unemployment. Usually all these coverages come all together with the same credit insurance. Some of them will have a value for you and some may not have. You can opt for which one of them you want to pay with one small exception: credit disability and life coverage cannot be sold separately.

Credit life coverage is actually a type of life insurance that pays off the loan or the remaining balance in case you die. The payment of the life credit insurance on this type of insurance for the credit always goes to the lender as he is the beneficiary of your policy. The credit disability insurance is the type of insurance that makes your monthly credit payments during a certain fixed period of documented medical disability. While this type of insurance can help you keep a good credit report and history, it will not make the monthly payment forever and will not, for sure, pay off all your balance. In such situations it is best to try to get back on your feet and pay by yourself the loan because, as the time passes, interest and insurance charges continue to add up to your already existing balance and you’ll end up paying more than your original credit.

The other two types of credit insurance are: involuntary unemployment insurance and credit property insurance. The involuntary unemployment insurance is very much similar to the disability insurance: the insurance makes the monthly minimum payments for a certain period of time while you are involuntary unemployed. Like we said before is better to not let this situation go on for a long period of time. The credit property insurance is different than all the other insurances in the way that it cancels the debt you owe for the items purchased if the property purchased is destroyed by certain specified risks like: fire, flood, accident, earthquake, etc.

No matter for which one of the above credit insurance you opt, it is most important to read and know the full details of the coverage. This way you’ll be able to know which one of them best suites your needs and select that particular one or maybe a combination of two or more of them. Also, you should consider your financial status before purchasing insurance for the credit. Or maybe you’re considering making several purchases from different places and each one of them asks for insurance. But this cannot be so cost effective. If you have more accounts and intend to insure all off them maybe you should think of buying a traditional insurance; an insurance agent or broker can be of big help in such a situation. He will help you make the necessary comparisons and finally with choosing the right insurance type for you.

Last but not least you have to make sure you qualify for the credit insurance you’re going to buy. These types of insurances are sold without any screening to anyone that makes a purchase on credit. Often, many people do not qualify for the insurance they are buying but the company that is selling you the insurance will not bother asking you if you think you qualify or not. So, it is you, the borrower and the buyer of the insures, that has to carefully read and understand how the insurance works and be fully aware of any special claim procedures or limitation clauses included into the insurance. It is only your responsibility.

Is A Payday Loan Your Best Credit Option?

Many people overspend from time to time or need a bit of extra cash to cover an unforeseen expense. There are a number of options for covering this type of financial emergency. The one that is right for you will depend on how much you need to borrow and your own financial circumstances. Here are some of the options.

Payday Loans

Payday loans are loans where borrowers get a small amount of money, usually less than Ј1,000. They have to pay this back by the next pay period…
loans, payday, personal, secured, unsecured, best, credit, option, borrow, lend, owe, money
Many people overspend from time to time or need a bit of extra cash to cover an unforeseen expense. There are a number of options for covering this type of financial emergency. The one that is right for you will depend on how much you need to borrow and your own financial circumstances. Here are some of the options.

Payday Loans

Payday loans are loans where borrowers get a small amount of money, usually less than Ј1,000. They have to pay this back by the next pay period. The lender charges a fee that equates to a high annual percentage rate. However, this can be a good option for a short term difficulty. Payday loans are quick and easy to obtain, even for people with a bad credit rating.

Secured Loans

Another option for people with a poor credit history is a secured loan. This is where people borrow a sum of money against the equity in their house. This is suitable for homeowners with a poor credit history who need a large amount of money. This might be a good option for someone who suddenly had to fund a wedding, for example. People can borrow up to 125% of the value of the equity in their house and repayment periods can be up to 30 years.

Unsecured Loans

Unsecured loans are normal loans from a bank or loan company. To qualify for these loans, of up to Ј25,000, people usually have to have a good credit rating. Repayment tends to take place over periods of up to 10 years. These loans can be difficult to get.

Credit Card Cheque

Many credit card companies allow customers to use their credit cards to withdraw cash by using special cheques. These can be useful for situations where credit cards are not acceptable. When paying for a new car, for example, using a credit card might increase the payment because of the fee charged by the seller.

People should be aware that some credit card cheques are charged at a higher rate of interest than regular spending on the credit card. If yours is one of these, it may not be the best option for getting short term credit. Remember to read the fine print and check the annual percentage rate.

Authorised Overdraft

This can be a cheap option for overcoming short term financial difficulty. If you are earning regularly and have a good relationship with your bank, you may be able to negotiate an overdraft. This will often be at a reasonable interest rate and will be repaid automatically the minute your salary goes in. Remember to stay within the limit, though, or you could find yourself paying huge bank charges.

Whichever option you decide on, it is essential to make repayments on time and in full. This will help keep your credit history in good shape and will make it easy for you to get more credit if you need it.

The Great Things About Reward Credit Cards

How the reward system works is quite simple. Each time you use your credit card, you earn a reward or bonus point.
credit cards
It has always been practical for people never to bring a huge amount of cash with them when they’re going out and they’re not completely sure that it will be a safe journey all the way. And that’s why such items as checks, ATM cards and of course, credit cards, were created. If and when you have the misfortune to lose any of them, all you have to do is call your bank, inform them of what happened and that’s it! Your money is still safe and sound.

Also, because there are just so many wonderful things that one can buy in the most unexpected places and it would be nice to feel that wherever you go, you’ve got the full value of your bank balance with you. If it’s in cash, that would be terribly impractical. But if it comes in the form of a credit card, well, then, now you’re talking!

There are a lot of advantages one can experience when having a credit card of your own but this time, we’ll only concentrate on one particular kind of credit card: the reward type. What are the great things that one can experience with a reward credit card? Is there a bad side to owning a reward credit card? These questions shall be hopefully answered successfully in the succeeding paragraphs.

The Great Things about Reward Credit Cards:
How the reward system works is quite simple. Each time you use your credit card, you earn a reward or bonus point. The higher the purchase value of the item you bought using your credit card, the more reward or bonus points you receive. Simple, isn’t it?

Now, these reward or bonus points – the term used for this depends on your credit card company but its meaning is basically the same – may have an equivalent value in cash or, when accumulated, can be used to win free stuff for you.

For example, a free Gucci bag, according to the rules of the reward system of your credit card, is equivalent to one thousand bonus points. Each reward point, on the other hand, has an equivalent value of $10. That means, for every $10 you consume in your credit card spending limit, you earn one bonus point.

There’s more. Because credit card companies profit from your credit card usage, you’ll notice that each year, the list of items available in exchange of reward points is getting longer, better and more varied. In fact, the sky’s the limit to what you can gain for free just by using your reward credit card!

So what are you waiting for? Grab an application form and you just might be in time for the spring sale!

Credit Scores: How Are They Calculated?

Most people know that credit scores determine what and how much you can borrow from lenders, but very few are actually knowledgeable about how credit scores are calculated. If you don’t know your credit score, it might be a good idea to find out.
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Copyright 2006 Edward Vegliante

Most people know that credit scores determine what and how much you can borrow from lenders, but very few are actually knowledgeable about how credit scores are calculated. When you attempt to borrow money from a financial institution or to obtain a credit card, the financial companies retrieve a copy of your credit report, which contains a score that qualifies (or disqualifies) you for the loan or line of credit.

Credit scores range from 340 to 850, and are used to determine the risk lenders take on when they give you money or credit. An individual with a credit score of 480 will pose a much larger risk to the lender than an individual with a credit score of 700. If you don’t know your credit score, it might be a good idea to find out.

The three credit bureaus – Equifax, Transunion and Experian – use a special type of software that uses the information in your credit report to generate a numerical score. Credit scores are sometimes called “FICO scores” because the first credit score software was produced and distributed by Fair Isaac Corporation—FICO.

Credit scores are calculated using the following information:

35% Payment History
30% Amount Owed
15% Length of Credit History
10% Types of Credit Utilized
10% New Credit Obtained

Payment History

Your payment history encompasses all of your past credit accounts – including loans, mortgages, financing and lines of credit. It will include the accounts that you have “paid as agreed”; negative accounts and collections; and delinquent accounts. Delinquent accounts will show how many accounts are past due, the amount of time that the account has been past due and how much time has elapsed since you’ve had a past due payment.

Amount Owed

The part that includes the amounts you owe will include how frequently you pay down your credit, how much of your revolving credit lines you’ve used, and the total number of zero-balance accounts. This is used to determine how frequently you pay off your debts and how much you continue to accrue as time goes on.

Length of Credit History

Your credit score will also reflect how long your credit report has been tracked and how long it has been since you’ve last opened an account. The longer your credit report is tracked, the higher your credit score will be as along as you continue to make payments and to avoid collections.

Types of Credit Utilized

There are many more types of credit than just credit cards. Your credit history encompasses mortgages, auto loans, business loans and all types of financing. When you’ve used several different types of credit – rather than just revolving credit, such as a credit card – your credit score will be higher.

New Credit Obtained

New credit refers to accounts that you have opened or paid off within the last six months. New credit doesn’t hold as much weight as older accounts because you’ve had less time to pay (or not pay).

Credit scores are generated by all three credit bureaus, and you might have three very different credit scores. The three bureaus use different ways of calculating credit scores, and one bureau might have more information than another. It is up to your lenders to report positive or negative credit, and if they report it to only one company, then it will not show up elsewhere.

Business Credit Cards Offer The Ideal Choice

Business credit cards are something that most business owners need to have. There are business trips and expenses to pay for. There are meals to cover and costs for rewards for good employees. To handle all of these needs, the right credit card should be in hand. Yet, if you are choosing credit cards simply based upon advertisements that you receive in the mail you may be missing out on some of the best card options out there. For large and small businesses, there are plenty …
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Business credit cards are something that most business owners need to have. There are business trips and expenses to pay for. There are meals to cover and costs for rewards for good employees. To handle all of these needs, the right credit card should be in hand. Yet, if you are choosing credit cards simply based upon advertisements that you receive in the mail you may be missing out on some of the best card options out there. For large and small businesses, there are plenty of opportunities for success to consider with the right business credit card.

To gain the right benefits with these credit cards, you do need to consider all that they can offer you. Each and every one of them is quite different. To help you to sort through all of the benefits, take into consideration your needs as well as your needs when considering how to beef up the strength of your credit standing. Here are some tips to help you in your search:

* Determine flexibility in spending — In many business credit card accounts, the goal is to have an open spending limit so that you and your employees can have the available credit necessary without worrying about hitting an over limit. Take some time to consider what opportunities either a charge card or a credit card can provide in terms of their charging limitations.

* Determine the Ongoing APR — Even though this is a business credit card, you still should pay some attention to the APR that is being offered to you. In many cases, the slightest difference either way can make a huge difference if the balance is not paid for in full each month. Taking the time necessary to determine which card has the best ongoing APR is very important for your long-term success.

* Multiple Card Option — Having the ability to give your employees the credit cards they need is also important. It is likely that you will want all of these cards managed under one plan. Yet, you may want to put restrictions on how much credit will be extended to each individual employee. That being the case, special consideration should be given to the card options that provide flexibility with multiple cards and customizable credit limits for individual employees.

* Fraud Protection — Something that is being offered most card issuers is fraud protection. If someone should use a credit card in your name without your authorization, simply report the disputed charge and they will mark the disputed charges for further investigation, offering significant protection against fraudulent use.

* Access to Credit — In the case of a small business, the right business credit cards will provide you with access to additional credit, and in some cases, substantial additional credit. Take some time to determine what it is that you need then apply for a credit card to help in making that happen. In many cases, these credit cards actually provide the means for getting over hurdles.

Business credit cards, like any credit card, should never be chosen without careful consideration. If you are looking for a means to securing the funds that you need to make things happen in your company, then consider this tool. You are sure to find several business credit card opportunities to call on to help you to do just that.