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Avoiding Bad Credit and Repair
Staying in contact with your payments each month can help you
avoid bad credit. If you research the marketplace before coming
to a purchasing decision, you are well on your way to avoiding
bad credit and repair credit hassles. You want to...
Bad Debt Loans - Ensures that Debts no Longer Trouble Bad Credit Borrowers
Borrowers with a bad credit history have little credibility
among the loan providers. The debt burden further tatters the
faith that the individuals would have enjoyed. In fact, debts
are considered a prelude to the bad credit history. Debts...
Credit Card Issuers to Restart Charging Annual Fee
It seems that the major UK credit card companies may be forced
to reintroduce an annual fee to claw back lost profits due to
bad debt.
This is according to a report "Precious Plastic 2006" issued by
the accountancy firm Price Waterhouse...
How To Get A Credit Card With No Credit History
Oddly enough, not only will bad credit work against you when applying for a loan or a credit card, but so will NO credit. Even though this doesn't seem fair, it's the way things work in the complicated world of consumer credit. Lenders are leery...
What Financial Services do Credit Unions Offer?
If you're looking for financial services, you may want to consider checking out what your credit union has to offer. Many credit unions today offer more than just a checking and savings account, they've expanded into upgraded financial services...
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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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| 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. |
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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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| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| 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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