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Building Credit to a Better Future
Building credit is building a better future. Nowadays it takes
good credit scores to purchase a home, buy a car, and get a
credit card and so on. If your credit is bad usually more bad
follows. It takes you to find a solution to repair your...
Choosing The Right Credit Card
They come day after day after day. Sometimes two, three, or four at a time. Credit card offers. The credit card industry is highly competitive and banks and other financial institutions are constantly sending out mass mailings in an attempt to lure...
Credit Cards - The Basics
How Lenders Operate - And How They'll Make a Tidy Fortune from the Unknowing
Credit card companies might seem like immensely clever, money making enterprises that exploit every loophole to maximize the interest payments - and profits - they are...
Finding the Bad Credit Personal Loans that You Need
It can seem impossible at times to get bad credit personal loans… every place that you go to apply for a loan turns you down without a second thought. You may feel frustrated, depressed, or overwhelmed… all because of credit mistakes that you've...
Wouldn't You Like to Know Your Credit Score?
If you don't know what your credit score is, it is high time that you learn! This lone number is the biggest determination for lenders to decide whether you are or are not credit worthy. Not only do credit card companies use it to determine whether...
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Get A Credit Card Merchant Account
A card merchant account can put your business on the road to
financial success. If your company is not yet accepting credit
card payments, you are missing out on the powerful potential of
this income stream. Many business owners who started taking
credit card payments claim that their income has doubled while
overhead costs have diminished. When you become eligible to
receive credit card payments, you are likely to experience an
increase in sales volume and chase fewer dud checks. To
facilitate credit card payment, however, you will need to apply
for a merchant account.
Start by finding a lender you can trust. This may be a bank you
already work with, one that perhaps got your business started or
helped it to grow to where it is today. If so, there is a good
chance that the lender will continue working with you in this
key operative. But if you do not have such a lender or if the
one you do have does not seem eager or suitable for underwriting
your merchant account, you will have to find another reputable
bank, credit union, or other financial institution to facilitate
this account.
Your card merchant account can make or break your company, so it
is wise to spend time finding the best possible lender for this
purpose. Don't just grab the first deal to come along. Take time
to shop the many available offers and compare terms before
making a decision. All too often a new or small business owner
will be dazzled by the array of benefits that suddenly become
available through a merchant services card. Then, after
implementing this account, expenses mount while income remains
stable or falls and the company can experience a shortfall.
Approximately 80% of small companies
close their doors within
two years. Don't become a casualty of this predictor. If you are
approved for a merchant account, use it according to your
business plan or company budget. Avoid investing large amounts
into questionable activities. Start small by purchasing or
leasing a basic credit card processor for your physical
location. Or get a wireless unit for deliveries or remote
destinations. You don't have to spend thousands of dollars to
get started. Go it one step at a time until you see how your
customers respond and what your potential growth is shaping up
to be. At that point you can always add more services, like an
e-check processor or a pager, if you find they are truly needed
for continued growth.
After getting approval for your card merchant account, you
usually can start accepting credit payments immediately. Make
sure you understand the terms of your account, which often boils
down to a per-transaction rate of perhaps 20 to 25 cents. Or you
may be able to opt for a low-interest monthly fee that may or
may not impose certain minimums. In other words, you will be
charged a baseline amount for up to perhaps 1,000 credit
transactions. If your company does not get that many, you still
have to pay the baseline fee, but you will not have to pay more,
even if you get 2,000 or 3,000 credit card transactions,
although this can vary from one lender to another. Check with
local or online lenders for more details on applying for a card
merchant account.
About the author:
Dane Collins is with Merchant Digital
http://www.merchantdigital.com a nationally recognized merchant
account provider. Start accepting credit cards today:
http://www.merchantdigital.com
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.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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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| 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. |
| www.ncua.gov |
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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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| Credit (finance) - Wikipedia, the free encyclopedia |
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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 ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| www.zug.com |
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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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