2013년 11월 23일 토요일

About 'business financial information'|... say they have had financial information, such as their bank or credit card ... the standard high, for business to customer communication. What we need now...







About 'business financial information'|... say they have had financial information, such as their bank or credit card ... the standard high, for business to customer communication. What we need now...








When               looking               to               get               a               credit               card               for               your               small               business,               there               are               two               key               components               to               address:               (1)               what               you               need               to               do               in               order               to               get               a               card               and               (2)               what               credit               package               needs               to               be               offered               in               order               to               meet               the               needs               of               your               small               business.

Knowing               what               will               be               expected               of               you               and               what               you               can               expect               from               a               potential               provider               is               crucial               for               making               the               right               decisions               in               the               application               process.

What's               Required               of               You               Before               and               During               the               Application               Process               
               Getting               your               proverbial               start-up               ducks               in               a               row               is               a               prerequisite               to               applying               for               a               business               credit               card.

Many               credit               card               companies               require               the               owner               or               an               authorized               officer               of               the               business               to               apply               for               the               card               and               will               require               you               to               provide               information               concerning               yourself,               your               company,               and               any               other               employee               you               might               be               requesting               a               card               for.

Hence,               the               time               to               apply               for               a               business               line               of               credit               does               not               come               until               you               have               actually               established               your               company.

Cards               are               awarded               to               full-fledged               businesses,               not               start-up               ideas               that               have               yet               to               be               incorporated               and               legalized.
               You               will               typically               need               to               provide               your               social               security               number               along               with               the               legal               name               and               street               address               of               your               business.

If               the               business               is               not               a               sole               proprietorship,               you               should               have               your               business               tax               ID               on               hand.

Additionally,               you               may               be               asked               for               your               company's               gross               annual               sales               and               net               profit               for               the               last               fiscal               year.

Other               financial               information               may               also               be               required               of               you               before               your               application               will               be               processed.
               Many               companies               will               allow               you               to               apply               for               a               business               credit               card               online,               simplifying               the               transmission               of               data               and               streamlining               the               process.

However,               it               still               may               take               up               to               14               business               days               to               hear               back               from               a               credit               company               on               the               approval               or               rejection               of               your               application.

If               your               small               business               and               cardholders               are               approved,               each               will               receive               his               or               her               own               card--generally               with               the               individual's               name               printed               above               the               business               name               itself.
               What               Should               You               Require               From               a               Credit               Card               Company               for               a               Business               Account?


               Some               desirable               credit               options               apply               to               personal               and               business               accounts               alike.

When               shopping               around               for               a               credit               card,               you               want               to               look               for               a               low               annual               percentage               rate               (APR)               and               no               or               low               annual               fees.

You               may               also               be               interested               in               finding               a               card               with               free               online               banking               and               bill               pay               as               well               as               one               that               offers               no               over-limit               fees               and               extended               grace               periods               on               purchases.
               Other               credit               card               perks               may               or               may               not               be               particularly               appealing,               depending               on               your               preferences,               like               low               cash               advance               fees               and               no               limit               to               the               number               of               cards               that               can               be               awarded               to               the               same               business.

If               you               plan               on               a               great               deal               of               business               travel,               your               preferred               rewards               system               may               differ               from               that               of               another               small               business               owner               who               does               not               travel.
               Most               importantly,               you               want               to               make               sure               you               apply               for               a               credit               card               that               has               a               transparent               policy               that               accompanies               it.

Read               the               disclosures               and               fine,               fine               print,               and               pay               attention               to               phrases               like               "introductory               rates."






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