Are you still using your personal credit for your business?

One of the most underestimated items you can have in your credit arsenal is a credit card in your business name. Many people do not choose to apply for a business credit card because they do not understand its positive long term impact on their Paydex or business score and therefore on their overall business image. They use their own credit to start the business and wait until they need to get a bank loan to try and get credit in the business name. …

Shopping till you drop can actually get tiring for a select few for whom limitless credit is already passé. While for most people credit cards can still lead to payment problems, if you happen to be the few who know the true meaning of spending and want nothing less than luxury, the Visa Black Card may be for you. Setting you apart from the rest of the card holders across the country begins with the carbon card itself, which isn’t simply extravagantly dark, but not your same old neighbor’s plastic. So do you have what it takes to own a Visa Black Card? …

Are you getting harassing phone calls from bill collectors telling you that you’ll be ruined financially if you let a credit card charge off happen? If you’re constantly behind the eight-ball with your debt problems and are late with most debt payments, chances are you’ve heard the dreaded phrase “charge-off” from bill collectors. But, do you really know what a “charge-off” is? What will happen to you if you let a charge-off go? And, what’s the worst that can possibly happen to you, once a charge-off occurs?

What Is A Charge-Off?

Basically, a charge-off is when a creditor (bank, credit card company or other lending institution) writes off the balance of the loan as a “bad debt.” Banks and other lending institutions count your debt owed to them as an “asset” on their books. After about six months of non-payment, the lender can no longer call this debt an asset. Of course, you still owe the money and they’ll still try to collect it from you, and they will give you a “ding” on your credit report - definitely not a great thing, but not the end of the world, either. …

If you in a good position financially you are in a great position to enroll in a platinum credit card program. If you are still using your old regular credit card, but could qualify for platinum, you are missing out on the many benefits offered by a platinum level card. These benefits can save you both time and money.

There are many benefits of using a platinum card for travelers. The benefits that most people are aware of are free airline miles, but there is so much more. At the airport your platinum credit card may allow you access to exclusive airport lounges where there are free snacks, drinks and WIFI internet access. Additionally at the airport, you may be able to skip the long lines at the check in counter and airport security check points. …