Saturday, October 29, 2011

Infolinks: 5,350 clicks and 16.85$ earnings

i set this title because i once saw it in DP. i happened to learn this program today and i applied account there at once. the site provided the script code then and required me to paste it closed to . and they will review my site in order to decide if to prove or not.

what i found not very encouraging is that the clicks are bringing very low revenues. it suck, and i also see a member said both Inforlinks and Adbrite sucks. after i see the amazing data as the title i set, i think i would abandon the program now i dont care if they will approve my application or not. i also wonder if the payment proof from one person was a real or fake one...

Bank of China will launch American Express credit card

Bank Of China Ltd.,(BOC) and American Express Co.,(AXP) announced agreement on Wednesday show that the Bank of China will launch American Express credit card. Bank of China will provide American Express credit card to private clients.

American Express vice president and general manager of network and business services Dave Keung said in the announcement that China is a key for their company's business development in market.

Some of US banks cancelled charing debit card transactions

JP Morgan Chase bank disclosed on 28th that they will no longer charge fees in debit card transaction because of so many consumers’ complaints.  During past 5 weeks JP Morgan Chase bank planned charging debit card transaction, however, when BOA announced that such charges had lead a widespread criticism, JP Morgan Chase bank decided to cancel the plan in mid-November and they will be added to the list of other eight banks including Citibank and stop charging in debit card transactions. USA Congress passed Dodd-Frank Act last year and the standard fee of commercial debit card transaction had been deducted to be a half, which leaded a lost revenue of about 6 billion dollars. In order to compensate for the loss, some banks began to charge 3 to 5 dollars in average debit card transactions.

Thursday, October 27, 2011

Survey - free $5 to $35 if you have iphone


Here's the $5 Amazon gift card you earned for downloading Locately's iPhone app. Congratulations and thanks for joining our market research project! Remember: an additional $30 in Amazon or iTunes gift cards is waiting for you. All you have to do to claim the $30 is keep the app on your iPhone through January and answer the quick 2-minute in-app surveys that you'll receive about once a week. We'll also enter you into a prize draw to win $500 free cash. Thanks, we appreciate your participation.
When you have finished the offer there would say as below:
That's it! You're done.
Thanks for your participation - we appreciate it. If you have questions at any time, please email
Tip: the offer is strick so becareful when you are taking the survey. it is very easy to be kicked out! Good Lcuk!

Enter the to take the survey!

Wednesday, October 26, 2011

Avoid being scammed and fished from email

Recently there are some scammers are using fishing ways to hack people's email and cheat. many people suffered from being scammed without a way to report. very few people can get the cash back.

pay attention to these examples:

1) do not click any link from stranger

2) make sure to contact your customers when they make a payment in order to prevent IP from being intercepted and changing profile by hackers.

3) use your company email to contact with your customers as possible as you can. pay more attention to the safety of the company email especially from info domain.

4) check the scammers' email and the customers' email carefully, sometimes it is very hard to make a distinction between them for example and

Read it again and try to remember!!

Tuesday, October 25, 2011

some socks5 to share unlimited very expensive need someone to refer to join.

It is better to buy directly from them than from those second Dealers.

Monday, October 24, 2011

how do you think of traffic on sale

As to one successful guy, who considers traffic on sale like this:

when the unique IP reaches 20, it means sale will generate.

when the unique IP reaches 50, sale is good

when the unique IP reaches 100 or more, you will make up to $10k ...

it means IP does not mean to the amount, but to the quality. Quality Traffic is from natural source and natural ads.

Sunday, October 23, 2011

what is RCB

it is always appearing in the terms of HYIP programs

RCB = referral cash back

It means, in your example, someone is offering to give you 150% of the referral fee they receive, if you join and deposit using their referral link.
In theory it would work this way: if the referrer gets $.50 referral commission from a deposit you make, s/he would send $.75 back to you.

Saturday, October 22, 2011

how to reset your webmoney mobile phone number

how to reset your webmoney mobile phone number if you have lost it?

1. download the application format for cell phone number reset, link :

 you can also follow this format in the pic:
2. justify the form in the notary place

3. send the form with mail to this address: 119049, Россия, г. Москва, а/я 38, ООО "ВебМани.Ру".

4.  the notary center will help to modify the cell number in 10 working days after they have received your mail.

Monday, October 10, 2011

$1 welcome bonus from + daily interest FREE

You can not cash out the $1 bonus!!!

when you have registered you will have balance of $0.01 as daily interest, which you can withdraw it at once. but you can choose not to withdraw till you have more fund in your account. like $0.5. it will save fee and you have to just wait for some days.

site link

it is scam now!

Sunday, October 9, 2011

ICBC does not process fund from moneybookers

One of my friends told that he failed to transfer fund from moneybookers to ICBC.

He sent $100 via MB to ICBC but after some days he receive a call from ICBC that the company had sent $99 to him and the officer said ' we have a check online and we find it is forex item, Personals can not receive fund from forex platforms so we can not process it. ' then my friend said it works like paypal, but the officer said she does not know what paypal is.

OK my friend asked the officer to refund the money. and the officer told that they will charge $3 to refund it. ok, reund it! finally all chrages is $6+$2.8+$3=$11.8!!!

god, do not send moneybookers fund to ICBC again the next time!!!

A story about 'US Bank Scam'

Just Quote a story from another place.

I opened my account on 2/25/10 with US Bank. I had $3.65 in my account as of 4/12/10. In 2 months I was not sent a statement and was never contacted by them to see if they had my correct address. But on 4/29/10 they charge me $5 as a "return check fee". That overdrew my account by $1.35. Starting 5/5/10 they began charging me an overdraft fee of $8 a day. They have been very evasive in resolving my problem. I must have talked to a half a dozen different people always telling I have to talk to someone else. They do not return calls when they say they will. I even had one manager tell me they would stop the charges on 5/21/10 until it was resolved but they are still charging me these daily fees. Now the manger has a selective memory and says he does not remember ever saying that.

As of 6/9/10 they have now charged me $289 in fees which is 25,000% interest on $1.35. I have now put in a message to the district manger still with no resolution. This is turning into complete fraudulent charges at this point. It is also becoming surreal but I guess when it comes to the banking industry they have no morals or ethics. I'm only 19 but this is an eye opener to the banking industry. I'll certainly never trust them again!

WARNING: Do not do any business with US Bank as they will do their best to scam you if given the opportunity to do so! 
Original link

Join a credit union



Visit Find a Credit Union to:
  • learn more about credit unions
  • join a credit union, or
  • find a credit union location near you
Find a Credit Union is designed to help credit union members and consumers find local credit unions they are eligible to join. In addition, Find a Credit Union will help you find specific credit unions associated with your employer, religious affiliation, or community associations.
Click here to visit Find a Credit Union and learn more.


Joining a credit union is simple and may be easier than you think. Simply click here to visit Find a Credit Union and find a credit union near you.
There are many ways to be part of a credit union.
Each credit union has a "field of membership" that it serves, and membership is open to all consumers who fall within those parameters. Examples of  "fields of membership" include:
  • Workplace
  • Geographic area
  • School
  • Place of worship
  • Fraternal organization
By signing up to become a member of a credit union, you will join other members as owners of your financial institution.
It's Easy To Open an Account
If you are interested in opening an account, follow these two easy steps to determine your eligibility and to begin benefiting from credit union services:
  • Determine whether you fit into a credit union's field of membership by visiting a credit union's website or a branch location. To find a credit union visit Find a Credit Union.
  • Visit a branch or go online to learn about credit union-related services.


Credit unions offer a wide range of financial services to meet the needs of working families. Services that credit unions provide include:
  • Free Savings and Checking Accounts
  • Surcharge-Free ATMs
  • Automotive and Home Loans
  • Online Banking
  • Online Bill Pay
  • Investments
  • Financial Counseling
  • And much more!
Visit Find a Credit Union for more information about a credit union near you.
Please refer to a specific credit union's website for a complete list of services.
The Benefits of Joining a Credit Union
Some of the benefits you will receive from joining a credit union include:
  • A full range of modern financial services
  • Online banking services
  • Better interest rates on automobile, home and small business loans
  • Higher interest rates on deposits
  • Lower fees on services
  • Conveniently located branches
  • Nationwide system of surcharge-free ATMs
  • Friendly credit union staff who know who you and are familiar with the services you need
With a core mission to serve members and the communities in which they operate, credit unions in California and Nevada are educating and serving consumers better than ever.

Find a credit union that is right for you!

Friday, October 7, 2011

Some paid to survey tips

People, i can only share these links to you. do not ask me how to operate. you can google them and study yourself. good luck!

end--good luck again!!!

Wednesday, October 5, 2011

Airline Cards - Great Travel Reward Credit Cards

Rewards by Airline-Based

These cards can be a very good option if you fly one airline consistently. They are not for people who carry a balance, because interest rates tend to be quite high. During the past few years its rates have risen steadily.

Generally budget travelers believe that airline credit cards are a less than attractive option unless you live near an airport dominated by one airline or your company requires a particular carrier. Often it pays to also consider bank-based cards that can offer more reward options.

It is best to look at your finances and travel patterns before you look at specific cards. To travel reward credit cards you should consider some questions.

Please take these recommendations as a starting point for a more personal and in-depth study focused on your individual travel needs. When start your research, have a look at a few selections that worth consideration.

British Airways Visa Signature Card

Very few countries can match British Airways which offers great travel options around the world. The current offer is 50,000 bonus miles for signing up, and you'll get two BA Miles for every dollar spent on the airline's products. Reward partners such as American Airlines and Alaska Airlines combine with British Airways to offer about 600 destinations to which you can fly. You'll get 2.5 miles for every dollar spent with British Airways, and 1.25 miles for every other dollar spent. Chase Bank USA is the issuing company. It is 14.24 percent variable APR for unpaid balances.

The positive review: A large choice of domestic and international flights, and an offer of a second, free companion ticket when you pay full price for the first fare. The negative review: High annual fee of $95, and only U.S. residents are eligible.

American Express JetBlue Card

For those who fly mostly within U.S. borders, this card is set up a little differently from most: Receive one point for every eligible dollar you spend, including gas, groceries, and household bills. One-way award flights start at 5,000 points and round trip award flights start at 10,000 points. The variable APR for purchases is high at 15.24 percent. The annual fee is $40.
The positive review: Relatively short path to the first free ticket; lower annual fee than many other airline cards.  
The negative review: High APR, and JetBlue only flies in the U.S., Caribbean and Bermuda. There are more destination options from other cards.

American Express Gold Delta SkyMiles Credit Card 

It is worth to have a look at Delta's extensive network of cities and partners around the world. In many fine outlets worldwide American Express is popular, but some budget travelers complain it skews upscale--and therefore is not as useful in their daily lives as other cards. Delta adds 20,000 SkyMiles after your first purchase. The annual fee is waived the first year, and $40 thereafter if you have a qualifying American Express Consumer Charge Card. If not, the annual fee is a rather steep $95. The APR for purchases is 14.5 percent. Miles do not expire as long as you do one of the following every two years: takes a qualifying flight on any Delta service; earns Delta miles through one of its program partners; or redeem miles for any Delta miles award. Not available in Puerto Rico, Saipan and the U.S. Virgin Islands. You can earn double miles for Delta purchases. Beware: though it takes $2 to earn each mile, there is no annual fee for Delta’s  "options" card.

The positive review: Including Air France, SkyMiles are also accepted on 13 international carriers, Air Jamaica and Singapore Airlines. Delta now awards 2,500 bonus miles when you make $10,000 in eligible purchases in a calendar year. 
The negative review: The annual fee can hit up to $95 and there is an earnings limit of $60,000 of eligible spending per year.

Southwest Airlines Rapid Rewards Visa Signature Card

At the first time to use the card, new cardholders receive up to 16 Rapid Rewards (enough for a free round trip on Southwest). Another eight credits are awarded for balance transfers within the first 90 days and you'll get two credits on your anniversary date of starting the account each year. After that, you'll need to charge $1,200 on the card to earn a Rapid Reward point. It is 14.24 percent for APR.

The positive review: It could be very quick to get a free trip.  
The negative review: There is a $59 annual fee applied immediately -- no one-year grace period as found with many other offers.

Citi Platinum Select American Airlines Advantage Visa Signature

In the first year people use the card without annual fee and up to 40,000 bonus miles after $1,000 in purchases with the card in first four months. This choice combines the resources of a banking empire and one of the North America's largest airlines. It is 15.24 percent for APR.

The positive review: people have a chance to earn lots of bonus points without blackout dates for reward travel.  
The negative review: they will need to pay a steep annual fee of $85 at the beginning of the second year.

Sunday, October 2, 2011

White hat and black hat SEO

White hat seo is frank and clear the suggests, streams exposed. It’s a fair way, using the guidelines issued with the major search engine optimization provided. It is the opposite of black hat seo.
White hat SEO has been believed as the best seo practices, it is to avoid all risk in the case of the operation, while avoiding the issue of search engine guidelines with any conflict, and it is also seoer practitioners for the highest ethical standards.
White hat seo is concerned about long-term interests, may be 2-3 years or longer after the time required for the effect is more stable. If you insist on not cheating, adhere to a few years, no accident, then your site should be able to get good traffic and ranking, and will have a profit point. And subsequent dependence on search engines smaller. Long-term interests of all development proposals or through white hat SEO tactics.
Use “white hat” optimization technology to go after the site’s ranking, without fear of being punished by search engines, ranking lasting or even forever. Even if suddenly one day the search engine ranking algorithm to adjust the site’s ranking is relatively stable. Choose white hat SEO services business; most of the focus on long-term interests, concerned about three years, five years after the Web site can bring profit to the company. Site construction has been completed; the traffic through the search engine will be a steady stream. As long as the proper site maintenance, site popularity and sales will gradually enlarge, use the site in the SEO advantages, the use of two to three years to gradually gain market share.
Difference between Black hat SEO and white hat SEO
Black Hat SEO
is used to optimize the way search engines ban sites that affect search engine rankings for websites reasonable and fair. At the same time because the search engine algorithm changes will face punishment.
White hat SEO
Using seo thinking, optimize website, to improve the users’ experience, rational and other sites connected. So that the site in search engine rankings improve.
White hat seo is concerned about long-term interests, the need for a long time, but the effect was stable.
SEO Black Hat Features
Standing on black hat SEO point of view, they also have their reasons. Because most of the black hat SEO is to use the program, they set up hundreds of thousands of tens of thousands of pages of a web page, effortlessly, just put out their spiders crawling on it. Even their website a few months to be punished, he may have earned tens of thousands of dollars a thousand. For him, the return on investment is still quite high.
The position of standing on the white hat SEO, this long line to fish out a strategy, even if it is correct, some people are unwilling to do so. Carefully building a website, sometimes it is a very silly thing. You write content, do the investigation, to do traffic analysis, to analyze user browsing paths, and users to communicate.
Black hat SEO is much easier to do. Buy a domain name, you can even use the free web hosting, domain names are even saved. Program opened, put Adsense code to other message or blog to leave some of the words (these messages may also be generated automatically), then waiting to receive a check.

PPC affiliate programs other than google adsense

7 Search – has been a leading Pay Per Click Search Engine Advertising and Affiliate Network since our inception in 1999. As a Search Engine who is dedicated to value and service for online business, provides thousands of Web entrepreneurs with an economical and measurable opportunity to obtain Internet traffic and generate revenue through their online presence.
ValueClick – ValueClick, Inc. provides online advertising campaigns and programs for advertisers and advertising agency customers in the United States and internationally. The company’s customers include direct marketers, brand advertisers, the advertising agencies, and traffic distribution partners. Click on the arrows on the right to learn more about what we do.
Linkworth -
  • Sell ads and monetize your site with relatively little maintenance
  • Earn 50% of ad revenue recurring monthly in most situations
  • Get paid to blog and write reviews for products & services
  • Tons of advertisers, from Fortune 500 to small businesses
  • The more websites you list, the more money you earn
  • Manage all of your published ads and websites with our Control Center
Valueclickmedia – We help maximize the revenue you earn from your display advertising inventory.
Adbrite – Webmasters can buy and sell text ads based on their site’s topic area.
Bidvertiser – Display the BidVertiser ads on your website or blog, get paid for clicks and conversions and get paid by PayPal, check or wire.
Chikita – Chitika offers publishers & advertisers user targeted, search targeted, mobile and local ads for websites, blogs, apps and mobile sites.
DigitalPoint Ads – 4 Types Of Ads
  • Banner ads (12 sizes)
  • Inline keyword links
  • Static home page links
  • Email ads
MSN AdCenter – Show ads on Bing. Display your product or service to as many as 78 million potential customers.

$100 AdSense payout: How to reach it easily?

Honestly, do you want to get paid by Google Adsense. Many of you have successfully gotten an approval account but your major challenge is getting to that minimum threshold of $100 or 70 pounds before claiming the check. How do you go about it as the daily earning report is very discouraging? Imagine having only 5 impressions in some bad days.
For Ad Sense business, you cannot earn huge money fast on the first time. It is like building your income first slowly but sure. There are many journals/blogs where people tell about their journey to the 100$ daily from Adsense. It may even a year to make that amount if you build site and backlinks yourself and it’s the hardest task to rank #1 in Google. Google is a great way to get organic traffic which leads to advertisement clicks, but it’s nowadays really hard to rank #1 in popular niche in Google’s search engine results.
People are telling that adsense is easily to reach $ 100 if we have good visitor, and we put the ads on the good place which the visitor can see it always. And some of them already got a payment from adsense by requesting the payment through WU (west union).
There is no one definite way to earn with Adsense as Google itself can also frustrate ones effort. Working with adsense is not easy, while many say it is not hard too, but it needs time in addition, it differs according to your country, and experience in website and blog designing, sometimes one get disappointed because after reaching a good amount and withdrawing he gets his account blocked however he didn’t make mistakes, but they give many pretenses!
For some people it is very easy to reach the payout threshold, however if you have 5 impression per day you can’t earn with that! Make effort to have around 5k impression. What you need is traffic and original content on your site; leave the rest for google to do. You will do reach the $100 weekly or thereabout when you have enough traffic.
How do they get so much traffic to get as much as 5k impression a day? Do they pay to get traffic or source it for free? As for most bloggers, they try to put contents but not so regular in updating it with new content. They imagine that is how Google crawlers to find blogs or sites to include in their searches. Well, this is all about SEO you should learn how to get indexed by google first before able to generate income from adsense. Beside that patient is a key to become success. Remember that adsense is not short term program but this is long term program to get earn.
For most people however, it’s not easy to reach that amount in google adsense. They have used and dump it, but it needs time to succeed in any online biz, which google adsense seems not to be exception to that. No 1 priority is to make good content and update it always, after that fine your way in getting daily traffics a day. It also depends on your site quality and traffic, it is said that someone could earned $1500 per month from adsense. The key is you must choose the niche from high paying keyword where you can earn around $8 per single click and try to drive traffic to your site. At least you will get click 10% from your total traffic. If your traffic is 1000 UV/day you can get 1 click.
Remember that the best result is to have a lot of traffic from google search engines.
In order to get clicked on the ads, it’s better to put the ads on the right place, especially for images ads, cause it’s always getting click than text ads, imagine that you have around 200 – 300 UV, and get 10 – 15 click daily, and then you are on the way to reach your adsense payout! What you have to do is to increase your traffic and then your clicks will automatically get doubled.
Remember do not to use facebook and traffic exchange sites.
For traffic exchange sites, it defiles Google’s policies. For facebook, if maximum of your traffic is coming from facebook, google will assume your friends or family are giving you a helping hands by clicking on your ads. Read some google adsense forum complains carefully.
Hey, if you use adsense on your sites, and you make some money from it, you would not allow anything to get it banned. So once in a while you should visit google adsense forum to check out some mistakes others are doing and try to play safe. (Please go to google and search for google adsense accounts banned or disable or whatever keyword you want to use). There was this particular guy that makes around 60k as in $60,000 monthly from adsense. And he got his account disable because he is driving most of his traffic from facebook. Google and Facebook are competitors, so they are always at logger-head against each other.
So from what you read is that google assume your friends in facebook are too close for their liking, you know, your friend might want to help you a little daily by clicking on your adsense ads. Do some search, find some google adsense “horror” stories and you will know it much more. Below you can spend some few minutes to read about the driving traffic from facebook and what google officials think about it.
Headline:”Google AdSense Account Disabled” with balance of $42,000 and monthly revenue of $60,000
Google really has serious dynamic policies which most times get people confuse and with the issue to driving traffic from traffic. Facebook’s traffic is crazy but will cause a bad result!
The 100$ dollar mark will surely be reached with patience. One word of thumb do not ever do black hat or else your hard earned dollars will never be yours. Just be patient and do white hat seo and for sure you will be earning little by little until you get higher page views.

SEO Study

SEO (Search Engine Optimization), is a popular network marketing, the main purpose is to increase the exposure of specific keywords to increase website traffic, thereby increasing sales opportunities. It includes site SEO and out site SEO, the main work of SEO is to understand how the various search engines crawl the Internet page, how to index and how to determine their impact on a particular keyword search results ranking and other techniques to the optimization of web pages related to improving search engine rankings, increasing site traffic, and ultimately enhance the site’s ability to sell or promote the ability of the technology.
Easily indexed by search engines through the use of reasonable means to make the site suitable for the basic elements of the principles of search engine retrieval and user-friendly (Search Engine Friendly), and thus more easily indexed by search engines and prioritize subordinate SEM (Internet Marketing) . Understand this: the search engine rankings by summing up the rules, be reasonable to optimize the site to make your site in Google’s ranking improved to let the search engines brings you to customers. Deep understanding is: The SEO based search engine such as marketing idea for the website to provide eco-style self-marketing solution that allows website holds a leading position in the business, resulting in brand benefits.
A site friendly to search engine should be easy to retrieve information, and allow users to retrieve information returns looking attractive, so as to achieve the purpose of search engine marketing. To illustrate which site is friendly to search engine, we can value these features:  Extensive use of pictures or pages with Rich Media and Flash, no text information can be retrieved; and the most basic SEO are articles SEO  and images SEO.
What’s more:
* No title for the pages, no valid key words;
* The pages are of less key words;
* Navigation system that search engines “cannot read”;
* A large number of dynamic pages so that search engines could not be retrieved;
* Not backlinks from the sites that have been approved by search engine already;
* Web site flooded with spamming contents, such as the “transition page”, “doorway” pages, text color and background are of the same color.

Off Page Optimization

Off Page Optimization, it can be known as a search engine technology outside from the website, the impact of these external factors are beyond the control of the site itself. The most useful of the most powerful external factor is backlink. There is no doubt that backlink play an important role for a site to get good ranking in the search engine results pages.
So how to generate high-quality backlinks?
1. high-quality content produce high-quality backlinks, the best way to get backlinks is to write quality content, your article will be promoted by readers if they like it.
2. Do link exchange with your partner each other. And link with related sites.
3. Categories Submission
Submit your site to the DMOZ directory, yahoo directory, ODP catalog directory sites, etc.
4. Social Bookmarks
Add your site to social bookmarking sites like digg, stumbleupon, delicious, etc. Here is a list for Social bookmarking sites.
5, Use Blog
One of the most effective way to get backlinks is publishing blogs.
6, Forum post and signature
Write original thread in the forums with links in, insert a url with the signature.
7, Buy high quality links
Do not recommend this method, the search engine will give a punishment.
8, Do SEM \ SEO with business partners.

On Page Optimization

To improve ranking, work hard is necessary, SEO is a systematic project, which requires a lot of collection and try. On Page Optimization contains the following main aspects:
1, Structure of the site’s inner links
Try to change the original links  of the flash and images, and links to the plain text links.
2, The reposition of the title
It is necessary to include keywords to optimize in the title, the page titles should be the unique ones, at least they should be displaying like “keywords – Home Page – a simple description with keyword” . Once it is set up you do not change them any longer.
3, Each page contains keywords and keep with certain Density
When you have finished the restructure of the content, submit the page to search engines at once in order to be recorded(keywornds and the new discription) as soon as possible.
4,Small adjustment for the structure
Assuming a lot of flash and images included in the main page, which are not good for rankings in search engine, so it is better to add some columns respectively, such as the company profile, main product with keywords and the company’s keyword list, and add url to the columns.
Of course, the best way is to use the news system with keywords to update main products. You can lead a link from the home page to a certain page with keywords. This page contains a description of the company’s product. It is a structure to form a network for a company’s website.
5, Resource application
After the structure of adjustment , you can use some external ways to promote your site. Firstly creat a blog for example blogspot, the subdomain should be related to use the company’s key products, display the information of the company, with the company Web site link in, Google robot will access the site soon. There is also a tip: visit other users bloggers via your blog randomly, in order to obtain a return visit, so the spider will reach better results. Tip: to increase traffic, leave a link the their blogs if they have shout box or available comment features.

Effective Small Business Credit Card Management by 6 Steps

It is the time to learn the 6 steps to effective small business credit card management since the growing popularity of small business credit cards and ever changing interest rates.
For small business we’ve entered into a new age of credit. New opportunities apply but credit debt still needs to be approached with caution. Over 2/3 of small businesses use a credit card for expenses with only 40% using a business credit card exclusively, as indicated by a Tower Group report. Use a small business credit card over a personal card is necessary or not?
Your small business credit card can provide many benefits including with prudent use and management:
Small Business Credit Cards’ Features
  • Avoid Co-mingling: Create potential tax and money management problems by mixing your business and personal transactions. You will let the IRS and anyone else know you are serious about your business by using a small business credit card.
  • Easy Itemization: For small business owners tracking your business expenditures at year-end can be a nightmare. Many credit card companies will provide you with a year-end statement summary with your transactions itemized and categorized. Why worry about a shoebox full of receipts? With a small business credit card you can organize your bookkeeping process.
  • Build Business Credit: A newly established business the opportunity provided by a small business credit card can build business credit. As your business grows and you need capital in the form of credit lines or loans you will find this will be useful.
  • Special Rewards: The development of reward and discount programs for small business credit card users was developed by the competitive credit card and business market. Discounts and rewards range from office supplies and travel to software and phone services. Lower your expenses by Taking advantage of using the credit card.
  • Manage Employee Spending: The ability to provide cards for your employees with preset limits is another plus to small business credit cards. On the received separate statements you can monitor your spending.
As most financial instruments, a small business credit card is responsible use of credit can help your business - misuse of your business credit makes you personally liable in most cases and has the potential to destroy your business and dreams. Manage your credit by using these small business credit card tips effectively.
Effective Small Business Credit Card Management by 6 steps
1. Apply at Home: Apply for your small business credit card at your existing financial institution. Your banking relationship can aid with the approval process. You need to have a relationship established with your lender helping with credit applications over $100,000 not using automated scoring systems then you able to apply a line of credit or loan.
2. Limit Card Hopping: you will get a negative impact on your credit rating and make managing your cards more difficult if you sign up for multiple cards to take advantage of deals.
3. Use Grace: before you have to make payment on your purchases the majority of small business credit cards could offer a 21-day grace period. Since the new Check 21 act creates quicker clearing of checks you can improve your cash flow by using a credit card instead of checks.
4. Pay Online: Pay your small business credit card online versus paying by teller at your local branch or mailing in your payment to save time and extra costs.
5. No Cash Advance:
Do not use the cash advance feature on your card to reduce credit card fees and interest costs. Cash advances incur more fees and costs. When you need immediate funds, use your business account debit.
6. Avoid Late Payments: it will erode the merits of using your small business credit card quickly with late fees and high interest rates. Pay off your business credit each month as responsibility.
You can avoid the disastrous effect of credit card mismanagement by treating your business credit card ownership as a privilege. You can also enjoy many more years of profitable business growth by applying the same level of responsibility as the rest of your business.