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Cash Back Credit Cards: How To Play The Cash Back Game
You have seen them advertised on your television. Likely, you
have gotten their solicitations in your mailbox. Your neighbor
has one and he just got a brand new gas grille for free! So,
what am I talking about? Cash back credit cards, of...
Credit Card Debt Help: How to Become Credit Smart and Enjoy the American Dream
Being able to buy things on credit has allowed Americans to own
and enjoy things--often for years--without having to wait and
pay cash for them. In that way, the concept of credit has been a
boon to experiencing the American Dream. Unfortunately,...
Errors on Your Credit Report: What You Should Do
There are times when you may be turned down for credit and you do not understand why. According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your...
Reversing Credit Repair
If you want to reverse your credit repair and land deeper in debt, let me show you how. Have you ever seen the advertisings that say you qualify for $10,000 in credit and your credit will increase once you accept the terms & conditions and also send...
The Bad Credit Card That May Do Good
Millions of people use credit cards all around the world. A huge
chunk of those users made mistakes when dealing with their
credit cards. The consequence of the errors is costly.
A lot end up in debt and most of the time these are the...
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Free Credit Card Processing For Business Owners
Would you like to upgrade your company's operations by taking
advantage of free credit card processing for business owners?
There has never been a better time to locate banks offering this
service and make the best possible deal for your interests.
Financial institutions are eager to work with you in opening a
merchant account, and they sometimes offer attractive incentives
to get entrepreneurs' business. If you like the idea of free
credit card processing, start shopping at your community banks
and credit unions to see what type of deals they can offer.
Free credit card processing for business owners is an attractive
perk, since some companies impose fees of perhaps 15 to 25 cents
per transaction or a monthly percentage fee overall of between
1% and 2%. Being able to get free credit card processing for
business owners could save you a significant sum of money each
month, and over time, those savings could increase even more.
Your customers will love the ease with which they can make
online credit card payments, and you will appreciate the
time-saving benefits of handling credit payments electronically
rather than by employees who require regular paychecks.
It is a good idea to sit down with your financial institution
and discuss the precise terms of the free credit card processing
for business owners deal. Will you have to pay an application
fee? Will annual membership fees come due each year? Are there
other embedded costs that you should know about up front? Even
if your credit card processing is free, other start-up expenses
could add up to cost even more than the transactions would. You
will want to make the best possible deal before
signing an
application or contract to be sure you don't get trapped into
paying unexpected high costs later.
Keep in mind that free credit card processing for business
owners may not be the best perk to ask for when applying for a
merchant account. In addition to start-up fees that could be
imposed and perhaps increased in lieu of the free credit card
processing option, you also may have to pay expenses like a
statement fee, a minimum fee, a discount fee, and a license fee.
These could add up initially to more than you will pay for
transaction fees. Even if the free credit card processing option
appears to save you money at first, is this a limited time
offer? When reinstated later, will transaction fees be difficult
to add to the company budget since you did not start the process
with them?
You might want to get a second opinion on weighing the benefits
offered with various merchant account deals. You could even ask
the customers via an informal survey about the type of credit
processing they are most interested in and then see how
promotional offers for opening a merchant account may impact
customer interests. Of course, you can always check out the
benefits of paying no transactions costs, and if permissible,
switch to another system later if costs increase more than
expected with free creditcard processing for business owners.
About the author:
Shane Penrod is the founder of Merchant-Acount-Quotes.com
Specializing in allowing merchants the ability to shop and
compare multiple quotes from national merchant account
providers. For free quotes on merchant account rates and fees,
please go to http://www.merchant-account-quotes.com
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
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| Credit referencing and consumer targeting for the USA and other countries. |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
| en.wikipedia.org |
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| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| The Credit Card Prank |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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