I often read an article about payday loans and cash advances which pushes my buttons in a negative way. I also get discouraged by the credit card companies which get away with predatory lending and no one stopping them from targeting new customers. But, alas, I will confess; I watched a television commercial from a leading major credit card company this weekend that made me smile.It seems that this particular company has finally realized that we regular folks are tired of the aggressive lending techniques being used by the credit card companies. There are no state regulations for creditors; they fall under their own jurisdiction and money talks. In what hopes would be a new trend for other creditors to follow suit; we finally have a credit card willing to give up the extra charges keeping so many people in debt.* NO annual fee* No late payment fee applied to the first time you are late. Hey, it’s a start!* If you make a late payment, your interest won’t increase* NO over limit fee* NO foreign transaction fee* 5% cash-back towards changing categories for all customers* Unlimited 1% cash back earner, not just points* Use your cash back reward and shop at a leading online store* Have till midnight to pay your bill by phone or online* Choose your payment due date by phone or online* If you lose your job, you will receive help; i.e. lower rate or monthly payment* Automatic expedited delivery of your new credit cardWOW! It sounds great, almost too good to be true, but it has to be true since the company sunk so much money in to advertising. I was definitely interested in what this company has to offer till I reminded myself that my credit cannot afford to have on more hard inquiry on it without some sort of idea if I may qualify. Then I remembered, there was no mention of any of the requirements to qualify for this special new card. It doesn’t replace old ones I may have with the same company; it in itself is a new baby in the credit card market.It also offers a low initial interest for the first 14 months towards both purchases and balance transfers. It gives an interest rate range of what a cardholder could possibly expect to see as interest charges on their account. Even their highest percentage is still a pretty good rate to have in this day and age. What about qualifications?The product promotions make this card seem all too good. Could it be too good to be true? Is it one of those cards which will only be offered to the top credit score holders? I guess it will take an application to find out. Hopefully, the company will be more expressive of their expectations. I can’t imagine that they will offer it to all applicants holding any score. For now, I will hold back on my application and wait for more information. For those of you that do have good credit, it won’t hurt you to try. As always, just because the card offers some great perks to cardholders, it doesn’t mean you should spend frivolously.Whether you are accepted to this new card, a secured credit card or even a fast cash advance for quick money relief, read the fine print and disclosure pages carefully before accepting third party money. It may prevent you from creating a larger puddle of debt for yourself.
Move Over Cash Advances, A Credit Card Company Is Starting A New Trend
Posted in Online payday loan
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E-Commerce Internet Solutions – How Does it Benefit the Buyer & the Seller?
Nowadays, there is an abundance of retail shopping sites online. Whether you are looking for apparel, shoes, household items, kitchen appliances or gift baskets, there are general shopping and specialty shop sites that you can visit to buy the items that you need.The good thing about such online transactions which are conducted with the help of e-commerce Internet solution products is that it provides benefits both to the buyer and the seller.The Advantages of E-commerce Internet Solution from a Buyer’s Perspective With the help of e-commerce, buyers can take advantage of the following benefits:- More convenient shopping.
With the help of e-commerce Internet solution products, retail companies have the option of offering you the convenience of shopping right in the comfort of your own home. Time, money for travel and the ultimate convenience are all of the benefits that you can get to enjoy as a buyer.- More time to decide on the items that you want to buy.
With e-commerce Internet solution products, you can visit one site and if you are not satisfied with the products that you see, you can easily switch to another site. This is especially helpful for finicky buyers who want to get the most out of their shopping money.- Lesser errors in the order-taking process.
With e-commerce Internet solution products, there is less human intervention. For example, if you will go to the -Shopping Cart- portion of a retail shopping site and you decide that there are items that you do not actually want to buy, you can easily go back and delete or uncheck the products that you do not need.As a buyer, you will process the order yourself – and the rest of the transaction is automated so there is lesser room for errors.- Bigger discounts.
E-commerce Internet solution products allow the order-taking process to be fully automated. As a result, the company where you are buying the products from can afford to offer bigger discounts because less manpower is needed.The Advantages of E-commerce Internet Solution from a Seller’s Perspective E-commerce Internet solution products offer a host of advantages to you as a seller.First, once the system has been set up, there is no need to hire individuals who will manually process the orders so lesser operational costs are required. The same thing applies to:- Document preparation
- Error detection for the order-taking process
- Error correction for the order-taking process
- Data entry
- Expenses for supervision
- Marketing tasks
- Sending product information to customers through mailersMore importantly, e-commerce will help run your business more efficiently.From the order processing, marketing, inventory, cataloging to web content management – a good e-commerce Internet solution provider should be able to provide you with these features and any other functionalities that you need so that you can manage your business more efficiently.
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Where to Get a Small Business Loan? Learn About Your Options and How to Choose a Good Organization
When they are first starting out, small businesses usually require loans to help them get going. Depending on your type of business and industry, you might need funding for inventory, strengthening your firm’s foundation, advertising, expansion, etc. “Where to get a small business loan?” is a very common question by owners of start-ups. Your choice of a lender could either help you in your success or cause damage to your business, so it’s important that you choose wisely.According to estimates, over 60% of small employer businesses have some sort of debt they are dealing with. If you choose the wrong lender, you could end up in an even worse situation. While many entrepreneurs and start-ups are turning to crowdfunding sources, this approach often requires a great deal of hard work, and most campaigns fail to reach their goal. There are also “Venture Capital” and “Angel Funding” solutions, but these types of alternative funding only play a small role in overall business financing.For many businesses, it’s still better to go the traditional route and apply for a small business loan. How do you know which lender to trust? How do you know where to get a small business loan from a reputable organization? A free quote is always a good place to start. You’ll definitely want to check with the Better Business Bureau as well. Only consider lenders that have at least a 3-star rating. Any complaints submitted concerning that particular firm should have been resolved.Where to Get a Small Business Loan That Won’t Scam YouReputation is also another important factor. Has a company you are interested in appeared in major financial publications, websites, or even television programs? Forbes Magazine, CNN Money, Business Insider, and INC 500 are always a plus.If you are in need of a particular type of service, there should be an ideal financial solution for you. For instance, some small businesses require a Working Capital Loan, some require financing for equipment, and others need assistance with vendor programs. There are also businesses that require real estate loans. Whatever your need capital for a start-up or need assistance expanding your small business, there should be a solution tailored just for your needs.Not only should you be able to obtain a free quote, the application process itself should be simple and straightforward. You’ll be required to provide some financial statements and personal background information, which will vary depending on the lender and what kind of small business loan you are interested in.As to the question ” Where to get a small business loan? ” It’s a good idea to start with US Business Funding. It has an A+ rating at the BBB and has appeared in the aforementioned publications. You can get a free quote if you apply today.