Three Things the Best Credit Cards All Have in Common

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					Presented by Daniel Toriola
Credit cards are very useful for those people who can manage their finances properly. Nowadays even airlines offer credit cards to their clients. However, credit cards are not to be used to purchase something you cannot afford. Click here to know more

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Three Things the Best Credit Cards All Have in Common By Sean Masterson

Looking for the best credit cards? You're not alone. Millions of consumers want the world's best cards, but few people ever manage to find them. Fortunately, you don't have to wander aimlessly in the dark. I'm more than willing to give you a hand. If you want to make sure you're carrying the best cards in your wallet, there are three things you need to look for. 1. A Great Rate (That Stays Great) When people look for the best credit cards available, they usually look for one with a low interest rate. The problem is, low rates don't always stay low. What starts out as a 0 percent rate can quickly jump to 20 percent or more if you're not careful. How do you protect yourself? Make sure your rate is a fixed rate and not a teaser rate. Too many credit card holders fall for teaser rates. Don't be among them. Check the terms and conditions of the card you're applying for and make sure you understand exactly what your long-term rate is going to be. 2. A Decent Grace Period The best credit cards still offer generous grace periods. It seems that lately credit card companies have been cutting their grace periods shorter and shorter. Some have done away with them altogether! Good credit card companies understand the importance of a grace period and offer a minimum period of 20 days for their credit card holders. 3. A Good Reputation There are a few bad credit card companies out there that don't care at all about customer service. The best credit cards, however, come with great support departments attached. Don't go with a company who could care less about your personal needs. I've heard horror stories about companies raising interest rates by more than 10 percent for no reason, hanging up on customers when situations needed to be resolved, not mailing statements and then charging late fees -- the list goes on.

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Read consumer reviews on the Web and check out comparison websites. See what customers are saying about their credit card companies. The best credit cards really shine bright on these sites. And remember, the best card for you might not be the best card for someone else. Make sure the card you apply for meets your personal needs. By keeping the above three things in mind and considering your personal spending habits and credit card requirements, you should be able to find the best credit cards with no hassle at all.

For more tips on the best credit cards, saving money and avoiding getting taken, check out CreditCardWhizKid.com, a website that specializes in providing credit card tips, advice and resources. http://www.creditcardwhizkid.com/best-credit-cards/

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Small Business Credit Cards: Debunking The Top 3 Myths By Sean Masterson

Think you know everything there is to know about small business credit cards? You may want to think again. Many people fall for the myths surrounding these useful financial tools. If you want to be on top of your game you need to know what's fact and what's not. That's why I'm debunking three of the most common myths people buy into. 1. You Don't Need Good Credit If you think you can get a credit card under a business name even if you don't have good credit personally, you're sorely mistaken. Sure, people selling "how to" reports promising dozens of credit cards in your mailbox would like you to believe otherwise, but the fact of the matter is that small business credit cards do require good credit. Unless your business is well established with a solid profit history and a credit rating of its own, you're going to have to guarantee any line of credit you establish. If you don't have good credit, your personal guarantee won't be enough for the bank and the credit cards will not come piling in. 2. You Have To Have a Big Business To Get One On the other side of the spectrum are the people who think you can only get a business credit card if you have a huge business that rakes in millions of dollars a year. This is also incorrect. Your business can be the smallest mom and pop shop on the block. If you have a solid credit history a bank will be willing to open up a business credit card for you -- just don't expect a huge credit limit. 3. They Have Better Perks While it's true that small business credit cards have perks that are more geared towards businesses and the people who own them, they aren't always better than the perks attached to personal credit cards. If you're applying for a business credit card just because you think the perks are better, do your homework first. You might actually find a personal card with a better offer. Remember, the credit cards designed for businesses have the same requirements that personal credit cards do. The difference is, business credit cards let you keep your personal expenses separate from the ones that belong to your business. So the next time you run into one of the myths surrounding small business credit cards, keep the above tips in mind.

For more tips on business credit cards, saving money and avoiding getting taken, check out CreditCardWhizKid.com, a website that specializes in providing credit card tips, advice and resources. http://www.creditcardwhizkid.com/business-credit-cards/

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Patricia Johnson Patricia Johnson Management Consultant
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