When you get a credit card for your business, you assume a new responsibility for the business. You’ve got a new, powerful way to get the supplies your business needs, but you’ve also got to make sure that you make payments on time, and avoid letting your business credit card debt get out of control. Here are some ways to make sure that you get the most out of a business credit card.
Buy and Pay Quickly – A great way to build credit for your business is to use your business credit card to purchase small things that you know you’ll be able to pay off in full when the bill arrives. Use it a couple times a month for … (more) August 30, 2007

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College credit cards have received some amount of criticism over the years. Critics claim that student credit cards are nothing but a way to trap people early in their lives, and by the time a person graduates he is already in debt. The truth is that there is nothing wrong with a student having a credit card. At the end of the day it does not matter what kind of credit card is being used, what matters is who uses the credit card. Responsible students make the most of the credit card that they are given. In fact, there is very little scope for misuse of a student credit card.
Most student credit cards require a co-signer; the co-signer is usually … (more) August 29, 2007

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November and December are termed as the ’shopping months’ of the year. Around about Christmas people usually throw caution to the wind and decide to indulge in some shopping.  If you are also part of the shopping brigade and often find yourself looking at massive credit card bills by the time your shopping is done, here are a few tips to help you use your credit cards wisely during the holiday season.
Before you start shopping, the first thing you need to do is make a budget. Agreed it sounds rather boring to make a budget and shop, but the truth is most people usually have no idea how much they have spent. Its only when credit card users receive their … (more) August 26, 2007

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Credit cards may have simplified the way people shop, but what credit cards have also done is open up new avenues for identity theft. Before credit cards, identity theft was limited to fake checks and trying to run delinquent bank accounts under someone else’s name. However all that has changed with credit cards. Identity thieves are constantly looking for newer ways to steal a person’s identity using his credit card details. If you are a credit card holder then it is essential for you to understand how credit card details are used for identity theft and how you can protect yourself from being a victim of identity theft.
The first thing you need to understand is that credit card fraud and … (more) August 23, 2007

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People often debate the advantages that a debit card has over a credit card and vice versa. The truth is that a debit card has its own set of advantages and disadvantages and so do credit cards. Depending on how you shop, spend your money, and generally use your bank account either a credit card or debit card can be beneficial to you. The biggest difference between a credit card and a debit card is that a debit card is your own money, you are not going to be charged any interest on using the debit card, and any purchase you make is free from any instalments or further fees.  Whereas in the case of a credit card you are … (more) August 20, 2007

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Today all major credit cards offer balance transfer facilities, in fact if you are being offered a credit card that does not offer balance transfer then you should think twice before accepting the card. But before we discuss the advantages and the intricacies of balance transfer the first question is, what is balance transfer? Balance transfer is a facility which allows a credit card holder to use one card to pay off the debt for another credit card. For example if I have Discover card on which I have a debt of around $2000, I can actually use my American Express card to pay off the remaining amount on my Discover card (Assuming I have already starting paying off the … (more) August 17, 2007

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