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What are my options for acquiring a business credit card?

Question by LRJ: What are my options for acquiring a business credit card?
I am a recent college graduate looking to start a tax preparation business. I have average credit with one major charge off on my credit report. What are my options for applying for a business credit card to finance office material and supplies? Im not looking for a huge credit limit, just need about 5k.

I know its ONLY 5k and your probably thinking I should borrow it from my parents or ask a “rich family member” I dont have those kind of resources so please refrain from those kind of answers. Serious answers only. Thanks in advance!

Best answer:

Answer by Lopaka
When I started my business my credit card was based off of my credit since my business wasn’t around long enough for the credit card companies attach my credit account to my business. I went with Chase and got a Business Professional credit card account which but a percent of my purchases back in the form of cash checks I got in the mail. They also for the first year gave me no interest. You might want to try going to a bank with your business plan also and pitch your plan to them to get a loan but these days that might be like pulling teeth.
Another alternative is to look for someone to invest in your company. Find some friends or friends of friends whom have money to invest and pitch them your idea and break down ROI for them. Lastly you could start a tax preparation business and apply for a grants. There might be one where you could do x amount of tax returns for the underprivileged in return for money. Good luck.

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Tags: acquiring, Business, card, Credit, options

How can I get an unsecured credit card with crap credit?

Question by Sidney: How can I get an unsecured credit card with crap credit?
I need to rebuild my credit, but can’t afford a secured credit card. Is there any bank outside of Premier Bank that will give me an unsecured card?

Best answer:

Answer by MadMan
Unlikely.

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Tags: card, crap, Credit, unsecured

Amazon.com $50 Gift Card (0109) Reviews

Amazon.com Gift Card (0109)

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Amazon.com Gift Cards are the perfect way to give them exactly what they’re hoping for–even if you don’t know what it is. Amazon.com Gift Cards are redeemable for millions of items storewide, and never expire.

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List Price: $ 50.00

Price:

Ekonomik F Wirebound Form F Check Register With 5 Credit/15 Expense Columns, 8-3/4X14-3/4

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A combination checkbook and expense distribution journal. Eliminates check stub records and hand copying data into a separate journal, cutting rewrite time as much as 70%. Useful in computerized accounting as data entry or backup documentation.

List Price: $ 17.99

Price:

Tags: 0109, Amazon.com, card, Gift, Reviews

What is a Personal Line of Credit and how is it different from a Credit Card?

Question by Sophie T: What is a Personal Line of Credit and how is it different from a Credit Card?
I am considering opening a personal line of credit with PFFCU instead of getting a credit card? What are the differences between the two?

Best answer:

Answer by bdancer222
With the LOC you won’t have the convenience of a credit card to carry with you and use. To access funds from the LOC, you will have to call or go to the credit union and take cash or transfer funds to your checking account. The LOC might also be tied to your checking account as an overdraft protection.

The actual account terms may be different. You would have to read the terms and compare them. But the LOC won’t have an interest free grace period for purchases like the credit card. Interest will begin to accrue immediately for the LOC.

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Tags: card, Credit, different, From, line, personal

How much does your credit score increase each time you make a payment to your credit card?

Question by Brooke: How much does your credit score increase each time you make a payment to your credit card?
How many points do you get for paying your credit card bill each time you do?

Best answer:

Answer by jari
zero.

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Tags: card, Credit, each, increase, much, payment, score, time

How long after paying off a credit card does it take to reflect on a credit report?

Question by penny g: How long after paying off a credit card does it take to reflect on a credit report?
Lets say I have 4 credit cards totalling $ 3000. I then wrote out 4 checks and paid off each card in full on the same day. How long would I have to wait until my credit report reflected all of these charges paid off?

Best answer:

Answer by princess zaria
by the the collection agency has 3 months 2 update ur credit report, then they update it as paid in full or settled in full.

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Tags: after, card, Credit, long, Paying, reflect, report, take

What is the best rewards credit card for good but not excellent credit?

Question by enterthesloth: What is the best rewards credit card for good but not excellent credit?
What is the best rewards credit card. I only spend 400 a month and have good but not excellent credit.

Best answer:

Answer by EastCoastXXVI
Discover has a great rewards program! Second best is american express i hear.

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Tags: best, card, Credit, excellent, good, rewards

What is the easiest credit card to get approved?

Question by tak3032: What is the easiest credit card to get approved?
For a new person that has very little credit what is the easiest credit card to get approved? I’ve tried a few already and I’ve been turned down.

Best answer:

Answer by Punkie Brewster
I would try appliedbankcard.

It’s a VISA, the kind where they charge you automatically a certain amount, but I have already gotten a higher credit limit and haven’t even had it a year yet. It’s helping improve my credit also. Good Luck!

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Tags: approved, card, Credit, easiest

How do I build my credit so I can get a credit card when I can’t get a credit card until I get a credit score?

Question by iluvwindows: How do I build my credit so I can get a credit card when I can’t get a credit card until I get a credit score?
I tried applying for a kohl’s and a victoria’s secret credit card today and I was declined because I have no credit score. I allready have a debit card but that wasn’t good enough. It’s a vicious circle. You have to have credit to get a card but you can’t get a card without having credit. Please Help!

Best answer:

Answer by bdancer222
Stop applying. All those applications are building up against you.

It is no longer as easy to get a credit card as in the past. If you are under 21, you must provide proof of income or have a parent co-sign. You will probably have to start with a secured card — you pay a deposit which is held as collateral against your line of credit. Use the card and pay in full every month. In about a year you should be able to convert the secured card to a regular account.

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Tags: build, can't, card, Credit, score, until

Q&A: What is the average credit limit for a credit card?

Question by Jimmy: What is the average credit limit for a credit card?
What would the average credit card limit be for someone who’s 18 with no credit history? And also what would the credit limit be for someone who is 40 with good credit history.

Best answer:

Answer by bryan l
This is a good question.
average credit limit per house hold is 21k, all combined credit cards
18 year old 300-750 per card
40 year old 5000 per card

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Tags: average, card, Credit, limit