Tag Archives: credit card

Learning About Cash Back Credit Cards

March 17, 2018   Home Mortgage

Having a credit card that offers cash back or certain advantage always sounds like a good idea. What could be better than getting cash back on all the purchases that you make with your credit card? It sounds too good to be true, doesn’t it?

Well, there are cards that give you free cash, but it is usually only around 1% cash back. However, free money is free money, right? Well, sometimes.

If you like to buy a lot of things in one month, this kind of credit card probably sounds great to you. However, you need to keep in mind that they are not going to give you cash back on every purchase that you make. Even if they claim to give you cash back on every purchase, they will only give you up to a certain amount per transaction. The company also has a strict limit on the amount that they will give back to their customers. If you read the little, bitty print on the form that you signed, you will see a paragraph with their limits in the terms and agreements.

This is another way to try to draw in new customers for these companies. It is a good credit card to have and sounds great in theory, but they will have to check your credit rating before they will give you their card.

Research different credit card companies to see what they are offering. You may be surprised to find a cash back credit card that offers you just what you need and want with a high cash back percentage, few limits on the amount they will give you back, and instant cash deposits when you make each purchase with their card.

What should your decision be? If you have a good credit rating, then this card is a great option for you. Research different card companies – there are cards out there that offer you up to 3% cash back and impose very few limits. If, however, you have a bad credit rating, you may want to find a credit card that will help you rebuild your credit.

Although these credit cards seem like a great thing to have, some companies will need your credit rating to be great too. However, there are credit card companies that offer these cards to people with a low credit rating to help them rebuild their credit. Research all of your options.

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How local Small Businesses can grow with Business Cash Advance influx in 2012?

March 14, 2018   Personal Loan

With the beginning of every new year small business owners ask themselves how they can grow and stabilize their local ventures against big box vendors and national enterprises. Questions they ask themselves are

What are their new business plans to achieve this year?
What will be their marketing and growth strategy for the new year?
Should they grow their businesses geographic footprint?
Should they invest in new hardware / equipment to enhance productivity?
Can upgrading their existing location help in sales?

All these questions when answered with a positive YES translates into one single adjective “Working Capital”. Which brings them to the next question, where can they get the required business capital in a timely and hassle free manner? Traditional lending options like, banks, leases and family money take a lot of effort and require asset’s and a long business history coupled with impeccable credit. Even if you have all that is required you still need to wait for the money to be funded for quiet some time. What’s the answer than,

“BUSINESS CASH ADVANCE”

Have you been turned down by the banks?
You cannot achieve your business plans without business capital. Business cash advance loans don’t need great credit score. They look more at your forecasted credit card sales than your history of credit score.

How quickly do you need the money?
Bank loans can sometimes take months before they go through. If a chance provides itself today, it may not be around the next day. You can typically get the money you need within few days with business cash advance.

Flexible payment schedule
Bank loans requires that you pay a set amount each month irrespective of the business performance. It become really difficult during time of recession to keep up. A business cash advance takes a portion of your daily credit card sales to pay back the funds. The advantage of this is that when you have a slow period, your payback is less.

Majority of businesses enjoying the facilities of Business Cash Advance are the one’s who were turned down by the banks for not meeting their prerequisites laid down to qualify for the advance, such as bad credit history, type of business, not having a collateral to offer and other requirements. A business cash advance is a definite way out in this complicated business environments. It can either be a life line for a shattered business or a path to a more successful future.

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