Archive for the ‘Credit Card’ Category
August 30th, 2010 | 
Author: Business, small or big are increasingly depending on business credit card for various financial activities related to the business. The ease, manageability and savings they bring to any organization makes them indispensable. Getting the right business credit card for your small business is not a big task if you keep these three things in mind.
1. How will you use it?
Are you going for rewards associated with the business credit card, or want discounts offered on business supplies. Do you fly frequently, and want to get deals on hotel stay and airmiles? Business credit card come with a variety of options. If you have your priorities clear it will greatly help you get the right business credit card.
2. What are the interest rates and other fees?
A 0% Intro APR Business credit card with low interest rates on balance transfers, purchases etc. would be a good credit card to start with. Check out the APR, Annual fees, cash withdrawal fees, late payment penalties, minimum monthly payment requirements, balance transfer fees and whether the credit can be revolved or not. Compare different credit cards which offer the features you want and settle for the one that costs the minimum. If you want a business credit card that can be given to the whole organization or your employees make sure that the credit card has this feature and doesn’t charge you much on taking additional cards. Taking these points into consideration will ensure that you pay the least amount to the credit card company.
3. What are the restrictions and other fine prints?
The rewards might be very attractive but credit card companies apply restrictions such as blackout dates, limits on reward points that can be earned during a year, expiry of reward options after a certain period etc. These restrictions can kill the reward benefits. Stay clear from credit cards which apply restrictions. Also, written in fine prints are terms that if ignored could cost a lot in terms of money and mental peace. It is particularly advised to read them carefully and understand their implications on credit card ownership. If you have any doubt get it cleared by all means.
Business credit cards are especially designed for business purposes and must be used as such. Using a business credit card for personal expenses might hurt in the long run and violates the basic principle of separating the business and personal finance. If the right card is selected and used properly the business credit card can be a vital asset for your small business success.
The Detroit Tigers® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America. (www.tigerscreditcard.com). This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country. Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards. These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty – are proving to be a home run in the credit card industry.
Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:
• No annual fee.
• 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.
• Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.
During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times. With the MLB™ Extra Bases™ credit card, Tigers fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.tigerscreditcard.com to complete the credit card application online in a few short minutes.
http://www.articlesbase.com/baseball-articles/detroit-tigers-credit-card-major-league-baseball-extra-bases-mastercard-626519.html
Posted in Credit Card | 
Tags: America Www, Autographed Memorabilia, Detroit Tigers, Sports Fans | 
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When it comes to clothes, it doesn’t matter whether you love to shop or you strictly go shopping for the essentials – getting a good deal is important,
especially these days. But searching for bargains can be time-consuming. And unless you are purchasing a brand you know and trust, a “bargain” blue t-shirt could shrink to a faded throwaway the first time it’s laundered – and that costs you money.
So how do you stretch your clothing dollar without looking like you have the recession-budget blues? Here are some smart shopping essentials to keep in mind.
Make A Decision Before You Buy and focus on shopping essentials
It’s not really necessary to make a decision about exactly how much you want to spend, as long as you have an approximate clothing budget in mind before you start shopping. What is essential? A shopping list. Write down what you need, beginning with wardrobe basics, like black pants in an updated style. Also, note what’s missing, like colorful accessories, when you check the mirror after you’re dressed. Add those items to your shopping essentials list.
Keep a list and prioritize the items by what is “fashion filler” (wants) and what is shopping essentials (needs). If you run across something lower down on the list as you shop, consider it, especially if it includes a discount. Sticking to an essential shopping list (one with room for unexpected finds) will help keep you focused on what you will actually wear.
Eliminate Extra Costs Up Front
Some people drive from store to store to get the best deals on different items, spending more money on gas than they save on their purchases. Be sure to factor in the time, energy and auto costs associated with store shopping; essentials to consider in the price you pay. Without losing the store shopping experience, you can save time and money by shopping for clothing on sale at local retailers, and at thrift shops close to your home or work location.
Take Your List Online
Of course, online shopping offers what is probably the best ways to stretch your clothing dollar. First, you eliminate the inconvenience and costs associated with driving to the mall, and most stores offer the same clothing selection on the web. Online retailers provide highly competitive pricing, the selection is practically unlimited, and you can often get low-cost or free shipping. There are also discount shopping programs online, including ShoppingEssentials, which offer their members special pricing on well-known and lesser known brands.
In looking for ways to stretching your clothing dollar to the max, there are the tried-and-true strategies, like garage sales, thrift shops, discount stores, sales racks and online shopping. But regardless of where you shop, use your shopping essentials list. Buying clothes you want and will definitely wear truly helps you get the maximum value from a minimum budget.