Credit Card Application

Morgan Hamilton asked:




Getting a credit card for your small business can be the best thing you can do for your accounting department. There are many things, both good and bad, that you should know about small business credit before you fill out a small business credit card application. For example, you will be able to assert more control over your employee spending and your bookkeeping records by opening a credit account for you business. On the other hand, in some cases, your personal credit can be affected by your small business spending habits. The purpose of this article is to examine five things you should consider before filling out a small business credit card application.

Personal Credit is Considered

If your business is brand new, the credit companies will use your personal credit as the determining factor whether your business gets a credit card or not. If your personal credit isn’t that good, or you don’t want extra credit checks on your personal credit history, this can be a obstacle in obtaining small business credit cards.

Rules Against Using Personal Credit for Businesses

Carefully look over the terms of our personal credit cards and you should see it stated somewhere that no business charges can be charges on them. Credit companies don’t want you to mix personal charges and business charges together on personal cards. To set up a professional and legal business, you need a business credit card for business charges.

Control Over Employee Spending

Small business credit card applications have a place where you can request additional cards for employees with preset limits. With the limits in place you can allow your employees to use credit cards without worrying about them going overboard.

Gain Incentives for Your Business

Just like with personal credit cards, small business credit cards offer rewards, or incentives, for making purchases with their card. Incentives range from cash back rebates to travel miles to discounts for rental cars and hotel rooms. Since businesses are considered very valuable customers to credit card companies, the incentive programs for business credit cards are usually better than those offered to individuals.

Provides Convenient Monthly Reports

The majority of small business credit cards come with convenient monthly statements that make it easier to track purchases and update accounts. The bookkeeping department will love you for getting a business credit card for the company!

Dora

BpCreditCard asked:

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Thomas

Joshua Shapiro asked:




The HESS Gas Card is the ideal reward credit card for those that are looking for the benefits of getting gas as their reward. If you frequent HESS, HESS Express, or WILCO HESS gas locations, then this credit card may be the right choice for your. You should have very good credit to qualify for these rewards, though.

The HESS gas card provides you with some pretty good rates as well as rewards. First you get an interest rate that is competitive. You will start with an introductory rate of 0% for six months that is applied to all purchases and balance transfers that happen in the time frame. After that time period, you are going to get 13.99% APR variable on purchases, a good rate. For cash advances, your APR is that of 23.99% variable.

If you carry a balance on your credit card, you will not benefit from the two cycles average daily balance method as this penalizes those that do carry a balance. There is no annual fee, though on the card. There is no set limit for credit so you will be able to get as much as you qualify for.

The reward program is quite beneficial to those that are HESS gas users. You will get a rebate between 1% and 10%. You get 10% rebate on all HESS, HESS EXPRESS, and WILCO HESS purchase during your first 90 days. After that, you will get 5% on these purchases and 1% on all other purchases. There is no expiration and there is no yearly limit on these either rebates either. Your actually rebate percentage is based on your specific qualifications so make sure you check this out.

If you shop at HESS locations, the HESS gas card is the ideal choice for you. You will save money on these purchases and be able to take advantage $500,000 in travel accident insurance, extended warranty and purchase protection as well as emergency card and cash replacement.

Curtis

BpCreditCard asked:

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Viola

BpCreditCard asked:

www.BPCreditCard.Info BP Gas Credit Card Application online with a 60 second guaranteed approval. Gas rewards cards with 10% introductory rebates with no annual fees and no limit on rewards.

Anne