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Chances are you have received your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal.
Credit Card Terms:
A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. So it's wise to compare terms and fees before you agree to open a credit or charge card account. The following are some important terms to consider that generally must be disclosed in credit card applications or in solicitations that require no application.
Annual Percentage Rate:
The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account statements. Some credit card plans allow the issuer to change your APR when interest rates or other economic indicators - called indexes - change. Because the rate change is linked to the index's performance, these plans are called "variable rate" programs.
Free Period:
Also called a "grace period," a free period lets you avoid finance charges by paying your balance in full before the due date. Knowing whether a card gives you a free period is especially important if you plan to pay your account in full each month.
Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you'll have enough time to pay.
Annual Fees:
Most issuers charge annual membership or participation fees.
Transaction Fees and Other Charges:
A card may include other costs. Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
Other Costs and Features:
Credit terms vary among issuers. When shopping for a card, think about how you plan to use it. If you expect to pay your bills in full each month, the annual fee and other charges may be more important than the periodic rate and the APR, if there is a grace period for purchases.
However, if you use the cash advance feature, many cards do not permit a grace period for the amounts due - even if they have a grace period for purchases. So, it may still be wise to consider the APR and balance computation method. Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations.
You'll probably also want to consider if the credit limit is high enough, how widely the card is accepted, and the plan's services and features.
Useful Tips:
Keep these tips in mind when looking for or using a credit or charge card.
Shop around for the plan that best fits your needs.
Make sure you understand a plan's terms before you accept the card.
Hold on to receipts to reconcile charges when your bill arrives.
Protect your cards and account numbers to prevent unauthorized use.
Draw a line through blank spaces on charge slips so the amount can't be changed.
Keep a record - in a safe place separate from your cards - of your account numbers, expiration dates and the phone numbers of each issuer to report a loss quickly.
Carry only the cards you think you'll use.
You may freely reprint this article provided the author's biography remains intact:
About The Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.
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You have to be the expert before you even start your business. You have to know your products or service inside out. You may love a business for the product lines, but will your customers love the products too?
When problems arise with a product, or when a customer asks technical questions, are you knowledgeable enough to resolve these problems and answer their questions competently and confidently?
One way to increase your product knowledge is to contact the manufacturers or local distributor. Find out the following:
* How long have these products been on the market?
* Are they seasonal, and when do most sell?
* How ofen are these products upgraded or changed?
* Could you be caught unexpectedly with obsolete inventory?
* What do the manufacturers' warranties cover?
* Are replacement parts readily available?
* Are the products competitively priced?
If you have decided to take the plunge and be a stay at home mom/dad with an internet business, here are 5 tips that can help you become more successful. These tips have certainly helped me:
1. Choose your product carefully:
Don't just choose to sale a product because you think it can make you rich. Choose to sale a product or service because it is your passion. Choose something that you feel will make you happy in the process.
2. Make sure your product is of high value:
You need to sale quality based products or your customers will know the difference. Your goal is customer satisfaction, always!
3. Provide excellent service to your customers:
Go that extra mile for your customers. A happy customer is a healthy business. Answer emails, and/or phone calls promptly.
4. Don't Stress:
Take care of you. If you need to take time out, then do it. Come back refreshed and ready to tackle your daily activities. Success will prevail!
5. The Competition:
Competition is an ugly word, but competitors are a fact of life. If your business can't compete with other stores or services, don't start this business. You have to have some sort of an edge.
You may have an excellent product, but if everyone else is selling a similar commodity, just how much of the market can you expect to capture? You will have to get to know everything there is to know about your competition and keep up to date with their marketing strategies.
Be unique in your own style. Always come up with new ideas to present your product and improve your business. Access your competitor's strengths and weaknesses and see how you can provide new ideas for promoting your business. Best of all have fun and it will show in your business.
About the Author:
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Sonia Colon is owner of a successful online specialty giftstore
"Jimson Products". Visit: http://www.jimsonproducts.com for a
wonderful display. Get Your Own FREE Mall:
http://www.telebay.com/shopping1/mall.html
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