Why You Need a Small Business Credit Card

Many of us with small and home businesses don’t think a lot about getting a credit card.

After all, what do we need with a business credit card, when everything is so…small?

However, a small business credit card can be a good move for just about any small business — even if you don’t think that you need one. There are advantages to having a credit card in the name of your small business.

Here are some of the advantages of having a small business credit card:

Build Credit for Your Business

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Consumer Financial Protection Bureau Makes Consumer Complaints Publicly Available

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Do you know about Yelp?  Maybe Tripadvisor?

If you’re looking for a new restaurant or you’re traveling and find yourself in an unknown place, Yelp and Tripadvisor take some of the guesswork out finding a quality restaurant by publishing customer reviews.  You can search for restaurants by the amount of positive reviews and companies can respond to the review in an attempt to rectify a negative customer experience.

Websites like these have caused some local businesses to clean up their act since they know that savvy consumers reference these sites en masse.  They know that bad reviews can affect their bottom line just as positive reviews can increase traffic.

Not all businesses have such a low tech yet effective system of oversight.

Wouldn’t it be nice to know how a certain bank in your community treats its customers?  When trying to choose from the sea of credit card offers, wouldn’t it be nice if you could see what other card holders around the country think of the card?

Credit Card Complaints Made Public

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Five Ways to Use Credit Cards Without Getting Buried in Debt

Everyone appreciates the importance of using credit cards responsibly; the issue comes down to tactics.

How do you use your credit cards to your advantage without also over using them to the point where they become a problem?

Let’s face it, credit cards are extremely user friendly!

Everything about them tempts you to use them even more.  From generous (and often rising) credit limits, to zero-interest introductory rates, to cash rebates and rewards, to the completely self-directed nature of the credit arrangement pull us into what is probably the most cozy relationship with any kind of debt we’ll ever have.

But credit cards are loans—as in debts that are required to be paid back.  If we ever lose sight of that we’re at risk of becoming credit card junkies or bankruptcy candidates.

How do we stay on the safe side of credit cards?

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Visa® Black Card™ Review – A Luxury Card That’s Expensive But Full of Benefits

For years, American Express has had the luxury/executive card market to itself with its wildly successful Platinum Card®.  Visa® has entered the upscale luxury card market with its Black Card (the card is backed by Barclays Bank Delaware).

The Visa Black Card is working to differentiate itself from other credit cards with its appearance and exclusivity.

The Visa Black Card is made with carbon (no, you shouldn’t concern yourself with how a card looks but it is kind of neat that’s it’s carbon – maybe it could come in handy in a MacGuyver situation?).  Also, membership is limited in order to ensure top-quality service for members.  That’s a big distinction from most of the plastic credit cards on the market today.

Let’s take a look at the features and benefits that the Visa Black Card offers, shall we?

Visa Black Card Benefits

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Four Places Not to Use Your Credit Card

Americans are in love with credit cards.

Many of us have replaced the cash in our wallets with our cards, charging everything from a cup of coffee to large purchases like automobiles.

Although credit cards are convenient, they aren’t right for all purchases even if you can get rewards points or cash back.

In what cases are credit cards a bad idea?  Here are some places NOT to use your credit card: Continue Reading

Stay on Top of Credit Card Payments – How to Make Sure You Pay Your Credit Card on Time

If you’ve ever owned a credit card, and most people have at one point or another in their lives, they can be both a blessing and a curse.

If you are like me, you can probably recall that awful sinking feeling in the pit of your stomach when you receive your statement in the mail.  You frantically try to remember all of the purchases you made in the last month, and at the same time you scramble to remember if you made a payment and how much you put down towards the outstanding balance.

Oops, you didn’t.

Or how about that time you did some cleaning and found the credit card bill you swore you paid, but clearly you didn’t because, well, it’s sitting right there in you hand?

I’ve been there!

Missing payments on your credit card is a quick way to rack up late fee charges, hike up your interest rate, and possibly send your credit score into the dump.

I’m not even talking about whether you can afford what’s on your card or not.  That’s a whole other issue.  I’m talking about missing the due date on your credit card payments.
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What Are Virtual Credit Card Numbers and How Can They Protect You?

There’s no shortage of hackers in today’s cyberworld and this has many people concerned about security when shopping online. Are you looking for an option that may help alleviate the fear of giving out credit card numbers?

Then having a virtual credit card number may just be what you’re looking for.

What is a Virtual Credit Card Number?

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