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Will the Federal Government Bail People Out From Their Credit Card Debt?

Probably no. Last month we would have said “NO”, but after the latest event, the rule of “Never Say Never” must be applied, hence the “Probably” clause.
However all the indicators point to the Federal Government wanting to acquire most of the bad debt on the books of the Financial Institutions including Credit Cards, Student Loans, and Auto Loans.
Which will mean that – if the plan goes through – you will owe money to the Federal Government.

In the meanwhile, between now and the time when the bailout will be approved, executed and implemented, there will be some turmoil in all the markets: stock market, credit market, banking, international markets etc. . .

We have always advocated that ideally you should carry two credit cards, one for every day purchases, paying off its balance in full each and every month, and another one for emergencies.
If you carry a balance on your credit card, then you should not use this card at all, make regular monthly payments as high as you can so that you can eventually pay it off; hence – in this case – you’ll carry three cards.

During the times of turmoil, that “emergency” credit card, the one that has an untapped credit line might come handy. If you have a business, you might want to get additional credit in the form of a business credit card, not to use foolishly, but to have the credit “just in case”. Like Donald Trump says: credit is something you get when you don’t need it.

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A Business Credit Card for the New Global Philanthropist

Today, more than ever, it’s extremely important for you, the entrepreneur of this very new economy, to select those service companies that understand your business, offer the right services, and share with you the same philosophy and vision. The winds of changes are sweeping the business landscape, including the non profit world, and they leverage the pervasiveness of communications to play on a global scale. No matter how small your business is, no matter how targeted the niche that you are serving is, what happens in Bangalore, Zanzibar, or Kampong Cham does affect you.

And you can affect what happens there as well!

At Credit Cards Mojo we are very fond of Kiva.org, and we are quite intrigued by the partnership between Kiva and Advanta. With the Kiva BusinessCard, an entrepreneur not only gets a savvy businesses tool that offers some of the best features and terms in the industry (see details below), but you also gets the chance to help small Entrepreneurs across the globe, thanks to Advanta’s philanthropic twist.

Apply for the KIVA B4B BusinessCard

Kiva BusinessCard features:

Unbeatable APR - APR - 0% on balance transfers for 15 months, and 7.99% fixed APR thereafter*
Anytime a business owner makes a grant to Kiva.org using their Kiva BusinessCard, Advanta will match the grant - dollar for dollar - up to $200 per month per account. (Additional information on matching program available at KivaB4B.org.)
5% statement credit for grants to Kiva and other charitable donations, as well as up to 1% on purchases*
No Annual Fee and No Limit on Earnings
$0 Fraud Liability

*see Terms & Conditions for important information, benefits and limitations

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Photo Credits: The Wandering Angel (cc)

September 12, 2008 | Filed Under Advanta, Business Credit Cards, Credit Cards, Good Credit, MasterCard, Reward Credit Cards | Leave a Comment

The Business Credit Card that helps you in business, Web 2.0 Style with inspiration, feedback, and advice

Whether you are in an established company or a start-up, you live and breathe innovation, inspiration and exchanging of ideas; but between making the payroll, taking care of customers, and dealing with vendors there’s not much time left for finding inspiration, feedback, and advice.
Turning to the web for these activities is a smart idea, but managing your presence on the social network world is a full time job per se, and most small businesses can’t afford the resources needed.
And then ideablob arrived to the scene.
Ideablob is a virtual space where you can submit your idea for a new business, a new product line, or a new service, and receive advice and feedback from peers and experts. At the same time you can browse other entrepreneurs’ ideas to get a pulse of where innovation in the marketplace is leading to.
Not only ideablob is free to use, but every month one idea will win $10,000, with the community itself deciding which idea will be the winner.

So, where’s the catch?
No catch, really. Ideablob is the brainchild of ADVANTA the credit card company that issues one of the best credit cards for businesses, who wants to pay it forward for the chance to compete for your business by demonstrating that they “get” you and your business.

Give ideablob a try, see how you like it, and how it works for you and your business, and you might discover that after all Advanta is indeed the right credit card for your business.

September 1, 2008 | Filed Under Advanta, Business Credit Cards, Credit Cards, Web 2.0 | Leave a Comment

Is There A “Best Business Card” Out There?

There are truly an enormous variety of credit cards designed and packaged for the special and ever growing needs of the business owner. With so many new businesses starting up every day, the big players in the credit card industry have a huge segment in the market they are endeavoring to corner. With this in mind, the lengths they are willing to go in order to attract new business are quite staggering.

The Advanta Small Business Card is a perfect example of this new breed of card and quite possibly could be the best business credit card on the market for many small business owners. The typical 0% APR on balance transfers is not the normal six to twelve months, but a whopping fifteen months. There is a fixed 7.99% APR thereafter and a 5% cash back on all charges. You would think there would be a limitation to the rewards you can earn at the 5% level but there is none. Additionally unlike many business cards of this caliber there is absolutely no annual fee.

Advanta makes the claim that this is the very best credit card for businesses on the saturated market today. With this offering many tend to agree. The last kicker that is offered with this card is quite valuable. With the amount of fraud and identity theft right now, it’s important especially for business owners to have protection. Advanta offers, at no charge, $0 fraud liability with this credit card.

The debate on which business credit card is best just might have gotten a little easier. Click on the banner below and take a look at Advanta’s offer and see if it fits your needs and wants.

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Photo Credit: Larsz (cc)

August 30, 2008 | Filed Under Advanta, Business Credit Cards, Credit Cards | Leave a Comment

What are entrepreneurs to do when banks don’t “get” their business?

You know the story, you’ve banked with the same bank for years, they have made a lot of money off your business, they smile a lot, and they even have free lollipops at the counter. And then the economy turns, and you need a line increase or a small loan to weather the storm, or a small cash injection to start a new line or launch a new product.
All in a sudden the bank has short term memory, all the good times spent together when your business was flourishing don’t seem to exist anymore, and their saying NO hurts.

But did you know that there are many very successful businesses that were started with credit cards because nobody else would finance them? Ask Michael Dell, from Dell Computers, he had to rely on credit cards to get things started.

BusinessWeek has published a good piece about this underlying and growing phenomena (see article: Credit Cards Replace Small Business Loans).

The Advanta Business MasterCard gets the Entrepreneur in you, and can offer:

0% APR on purchases for 12 months
0% on Balance transfers for 12 months
Up to $ 50,000 credit line
No Annual Fee
$0 Fraud Liability

Photo Credits: Running a Business by McPig (cc)

August 21, 2008 | Filed Under Advanta, Business Credit Cards, Credit Card Articles, Credit Cards, MasterCard, News | Leave a Comment

Do more than good with your Kiva Business Card

If you don’t know Kiva, you don’t know what a difference $ 25 can make, and how a small group of dedicated people can leverage the internet to bring together people like you and I with entrepreneurs in developing countries. Kiva enables you and I to lend as little as $ 25 directly to the people across the globe that we choose; and witness the difference that we can make in real people’s life.
And remember, it’s a loan not a donation, so once it’s repaid, you can re-lend it over and over again.

Now Advanta and Kiva have joined forces creating the Kiva BusinessCard, to help you can change the live of a business owner in a development county.
These are some of the features:

Advanta will match your grand to Kiva… dollar for dollar (*)
No Annual Fee and No Limit on Earnings (*)
$0 Zero fraud Liability (*)
Unbeatable APR – 0% on balance transfers for 15 months, and 7.99% fixed APR thereafter (*)
Get 5% statement credit for grants to Kiva, charitable donations and other purchases (*)

|| CLICK HERE TO APPLY ||

(*) See the official Advanta Card site for details.

August 11, 2008 | Filed Under Advanta, Business Credit Cards, MasterCard, Reward Credit Cards | Leave a Comment

Stop the Presses: Advanta now offers 2.99% APR for Life of Balances on Balance Transfers.

Your search for the ultimate Balance Transfer card is over, Advanta introduces the Life-of-Balance Business Platinum Card, where the 2.99% APR stays into effect for the entire Life of the Balance. Unheard of! This is indeed better that George & Dick’s stimulus package deal.

You know you can’t go wrong when a credit card company offers you: