Chase Business Cash Rewards Credit Card – One Card for All Your Business Expenses

The Chase Business Cash Rewards Card is a Visa cash back rewards card issued by Chase Manhattan Bank and is ideal for people with excellent credit looking to consolidate business related expenses with one credit card and planning to utilize the rebate program to the maximum. Based on the FICO score recommendation, you should have a great or nearly perfect credit record. A FICO score of at least 764 is recommended for a higher chance of approval for the Chase Business Cash Rewards Card, but is not required. You will generally require your basic business information, including your Federal tax I.D. number and telephone and permanent address when you apply for this card.

The introductory APR is as low 0.00% for 6 billing cycles on purchases and balance transfers and that too without any annual fee. Though it depends on your credit history and varies from 5.99% to 9.99% added to the prime rate, 14.99% being the regular APR. However, once the introductory rate expires, the Chase Business Cash Rewards Card does have an above average interest rate for purchases and balance transfers.

The Chase Business Cash Rewards Card is a cash back card providing you with cash rewards on your purchases and its rewards system is based on points. Through the rebate program you can receive up to 5% cash back on most of your purchases without any limit on the amount of cash rewards you can earn. According to the rebate program you get one point per $1 for new net purchase totalling between $0 to $2000 each billing cycle; five points per $1 for new net purchase totalling over $2,000 and up to $2,500 each billing cycle; and 1.25 points per $1 for new net purchase totalling over $2,500 each billing cycle. You will receive $50 every time you earn 5,000 points or you can also choose to receive brand-name merchant gift certificates.

If you are looking beyond the rewards program for something more substantial then too the Chase Business Cash Rewards Card is the ideal card for you. Not only does it provide you with amazing rewards and partial cash returns, it also provides several benefits including a purchase protection plan, travel accident insurance and also auto rental insurance. There are some additional perks along with the Chase Business Cash Rewards Card like emergency cash replacement, emergency card replacement, lost and stolen reporting, various travel and emergency assistant services, extended warranty for purchases, purchase protection and of course the Visa Business Partner Advantage. What’s more, the Chase Business Cash Rewards Card offers you quarterly management reports, year end financial statements if you want and additional cards to be used by your employees. To top it all, you can fully avail the various internet account related services and you are under no liability for unauthorised purchases made by your Chase Business Cash Rewards Card.

If you plan to occasionally carry a large revolving balance, you might find doing so a little costly due to the ‘Two Cycles Average Daily Balance’ method used by the Chase Business Cash Rewards Card to determine finance charges, which ends up costing more to maintain an occasional balance compared to the ‘Average Daily Balance’ method used by some other credit card issuers. Hence, if you can pay in full each month after the introductory rates expires (to avoid finance charges) and plan to take advantage of the reward program you will benefit most from the privileges offered by the Chase Business Cash Rewards Card.

Creative Marketing/Financing – Businesses Become More Creative in Tough Economy

Small business owners are turning to more creative ways to market or to finance their businesses in order to remain competitive.

And yes, this is being done more out of necessity than just the typical result of business competition. Not only are businesses looking for more creative ways to attract and retain customers but they are also looking for alternative ways to fund business improvements, pay for advertising, purchase inventory or buy new equipment and more.

It’s been said that “necessity is the mother of invention” and in today’s economy business owners are finding that creativity and resourcefulness are just as necessary as a great service and product. Necessity has spurred a few interesting ideas for business owners looking for ways to grow or stay in business.

We can look at any number of factors for the falloff in the economy and say ‘that’s where the problems started’, whether it was the “housing crisis”, “job layoffs”, “banks not lending” and on and on. The bottom line is people are not spending like in “better times” and a lot of business owners are feeling the impact when they see the “percentages” that their business has dropped off from past years.

In dealing with a wide range of business types I have watched different businesses take a lot of creative approaches to improve business. I’ve had auto repair shops do things like hire a decorator to remodel waiting areas or to decorate the restrooms because statistics show them that a large percentage cars are being bought in for service by women. They feel it is very important to keep the waiting area and restrooms fresh and clean to offer a shop that women will be comfortable coming into. And in many of these cases the shop owner never even thought about how the shop looked before, he only cared about doing quality auto repairs.

More auto shops are looking for Customer Financing to help their customers who need “emergency” short-term financing to get and keep their vehicles on the road. This has proven to be an extremely effective way to attract new customers as well as up-selling existing customers on repairs that they need.

Now owners are in many cases paying attention to “other” details, like what will attract new customers. Owners are focused on what they can do in their advertising that will differentiate them from the competition.

You see restaurants offering special discounts that you never would have seen two-three years ago.

We see more medical offices offering Customer Financing programs in addition to programs, like Care Credit, GE and Chase that are based on a patients credit rating because they are finding that even some of their patients that last year had great credit have run into issues that have left them with less than perfect credit now. And that patient will no longer quality for financing that require a 650 or better FICO. They need an alternative to help those without great credit to get financing for needed health care.

Attracting new customers and patients is important but being able to provide the additional services when the customer does patronize your business is just as important. One of the most effective resources that many owners are starting to finally to utilize to attract new business is “LOCAL SEARCH MARKETING”. Here’s why: and it’s important that you think about this as if it happened to you.

Imagine you recently got a puppy for your son or daughter. And at 1 am on Saturday your child woke you saying something was wrong with the puppy. Now you need “Emergency Veterinary” service. Your kids are crying the Vet you would normally go to is not open. Do you look in the “Yellow Pages” or do YOU go online and type in the search term “24 hour Emergency Vet in your zip code”? Or perhaps you need a dentist or a doctor for a specialty whether in an emergency or not, do you search online? If you answer yes, then imagine how many of your “potential” LOCAL customers do the same.

To research a product or service in their area 97% of consumers use the Internet. And 90% of those use search engines compared to 48% who use the Yellow Pages. And MOST of those will make a “Buying Decision” based on their Internet search results. That is very powerful! And it’s amazing that more businesses are not EFFECTIVELY using Local Search Marketing when taking into consideration how inexpensive it is. (By the way, I’m not talking about expensive pay-per-click campaigns that can cost a small fortune).

Now, let’s talk about the most important thing that “many” businesses at some point want or need. A CASH INFUSION – WORKING CAPITAL – A BUSINESS IMPROVEMENT LOAN – whatever we want to call it, many businesses at some point need money to grow, remodel, expand or stay afloat. But banks are tightening credit or not lending and the reality is many businesses still need to borrow.

In today’s economy a lot of business owners are looking at “creative” short-term solutions like “Credit Card Receivable Financing” or “Merchant Cash Advances” which are based on your businesses future credit card sales or a fairly new funding option that is based on your “Business Banking History”.

These funding options can get an existing business $5000 to $500,000 in as little as 5 days with no out-of-pocket fees for an owner with a FICO score as low as 500. The lenders look at the businesses cash flow and not on collateral or solely on credit score.

You know your business. How many times have you thought ‘if I had the money right now I could buy that inventory for $20,000 and easily sell it for twice that’ or ‘if I had such and such equipment I could add another $10,000 per month in revenue’. But as we all know, that’s not how the banks look at lending.

With these creative alternative financing options your business can get approval in 24-48 hours and have funds wired to your bank account in days – not weeks or months. The lender will want to know if you have been in business at least 1 year, and will require very little documentation.

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Author Description:

David Claggett Executive Director

Don’t let money walk out of your business!

I help small and mid-sized business owners find and secure business loans, working capital, equipment loans and accounts receivable financing. When your business needs financing: TO EXPAND, REMODEL, ADVERTISE, PURCHASE INVENTORY or more we can help you get $5k to $500k in as little as 5 days.

Enjoy Rewards Programs With The Chase Platinum Credit Card

JPMorgan Chase and Co. is a leading banking as well as financial provider. Chase offers its customers both small and large business banking, investments and insurance as well as personal banking facilities.

Chase Manhattan has come up with the Chase Platinum Credit Card that offers its privileged cardholders significant rewards programs and maximum value.

Benefits Of The Card

If you are on the lookout for a credit card that comes with a low interest rate and a good rewards program, then the Platinum Visa Card is suitable for you.

The card has a 0% introductory annual percentage rate (APR). The introductory offer on APR usually continues for 12 months but ultimately it depends on your balance transfers, purchases and credit background. With the termination of the introductory period, a regular APR of 14.24% sets in. The card comes without any annual fee and provides a flexible rewards program.

The card gives you the opportunity earn one point for spending every dollar on purchases. Your points can add up to 60000 each year. The points are redeemable for a time-period of five years from the date of accrual. You have the liberty of converting your points into select merchandise or can ask for cash back. You also have the scope of trading in your points for gift cards or for meeting travel expenses.

Other Benefits

The Chase Platinum Credit Card offers a free of interest grace period that lets you pay your full bill per month. The card further allows certain platinum benefits, like free online access in order to let you make monthly payments, view your account, available credit and outstanding balance.

The cardholder must keep in mind that the credit card makes use of a costly method of computing balances and is thus unsuitable for the cardholder if he/she plans to carry a balance. Even if you desire to carry an occasional large revolving balance, the card will not be appropriate for you, as the card uses the “Two Cycles Average Daily Balance” method for determining the finance charges. This costs more in comparison to the “Average Daily Balance” method that is used by most of the other credit card issuers.

The free travel services of the credit card include $500000 Worldwide Travel Accident Insurance and auto rental insurance. The facilities of the Chase Platinum Credit Card are convenient for dependable consumers seeking a decent credit card with an excellent rewards program.

Added Advantages

The Chase Platinum Credit Card like most of the other credit cards, offer its customers different Internet account related services, no liability for unauthorized transactions, and extended warranty for purchases.

The card also provides emergency card and cash replacement, lost and stolen card reporting, a financial statement at the end of the year and other facilities to the cardholder. However, it is essential to go through the restrictions, exclusions and limitations that are applicable.

How to Successfully Capitalize on Special Finance Leads?

In a highly competitive market, it is very difficult to generate quality special finance lead by the dealers. The process results in unnecessary wastage of time, energy, and money. In spite of spending a lump sum amount on advertisement and on running PPC campaigns in Google, still a dealer fails to produce the desired number of leads to meet the monthly target. Dealers who cannot generate their own leads depend on the professional lead providers to supplement the flow of new sale opportunities.

All providers produce new sale opportunities through their own marketing efforts. They usually have a couple of websites for an effective auto lead generation. Through advanced adverts offline and online and use of social media, the highest quality of leads are generated in real time. Pay-Per-Click (PPC) campaigns are used extensively to generate as many leads as possible.

When sending the leads to the dealer client, the professional lead generators ensure they are sending only the best quality leads. A team of efficient professionals works to separate the good quality leads from the bad ones. Usually a provider uses a lead tracking software to track the number of leads coming from different sources from websites, landing pages, blogs, advertisements, etc.

Bad quality leads are generated when so-called potential car buyers don’t respond to calls being made from the lead generating company’s office or for that matter don’t reply to the emails sent at least 48 hours ago. Such sets of people are termed as ineffective leads and the list containing the personal details of such individuals are not sent to the dealer. Effective leads are those that respond instantly to a call or an email and show a genuine interest to buy a car.

There is a misconception amongst many dealers that the providers send a lead’s personal details to multiple dealers. The lead generating companies have teams that check whether the same leads are being sent to more than one dealership or not. Cross checking of leads received should also be done on the dealer’s part to reject duplicate leads.

The reason for the huge popularity of the external lead generators lie in the fact that they guarantee the generation of maximum high quality leads. Once people fill up an online inquiry form to learn more about a dealer and the auto loan application and approval procedure, the generator instantly starts following up with those people. Through regular communication and responding to the queries of potential car buyers, special finance lead can be generated successfully.

Experienced service providers spend all their time in doing quality research on the type of target audience a dealer wants to have. The providers will use the latest, innovative marketing strategies to create a long lasting impression in the minds of the people. One of the best chances to increase visibility is to have a strong presence in various social media web platforms for maximum auto lead generation. Through maintenance of social media accounts and regular posting of interesting articles, relevant news, photos, and videos on Facebook, Twitter, LinkedIn, Google+, and so on grabbing the attention of potential car buyers can be increased to a large extent.

Matthew S Barredo is an expert researcher of special finance lead. He has over 7 years of experience in the genre of finance auto lead and the same. In this article, he has tried to educate the readers about choosing an ideal car lead generating company and auto lead generation for steady sales and profit.

100 Financing Investment Property

100 financing of investment properties refers to 100% financing from outside for your investment in real estate. Funds that are brought from one’s own savings, on loan from friends or relatives are in a way not much different from capital whereas real debt or Investment property financing comes from financial institutions. These entities – banks, mortgage firms and lending organizations like credit unions — lend funds to the applicant on the trust of a collateral security or based on the income, credit-worthiness and repayment capacity of the individual. Even if these criteria are satisfactory, an investment property financing institution may ask to be shown the business plan of how the applicant means to generate income using the pieces of property he or she means to buy and consequently pay off the loan or conclude the mortgage. The lender has the right to know how the business is going to be conducted because the revenues of this business determine how fast the loan is going to be repaid. With the turn in the economy, 100% financing investment property has almost been done away with.

100 financing investment property

In the United States, there are three credit bureaus, Equifax, Experian and Transunion, that maintain records of the lines of credit extended to each individual and how they are being handled. The credit reports formulated by these bureaus reflect how many credit card accounts a person has, how many times he or she has defaulted in payment or gone over the credit limit; other forms of financing availed by the individual such as home mortgage, auto finance or student loans, are also listed. Lenders and creditors have access to these credit reports and use them to check if an applicant is worth the risk of being given a loan. The exact features that point to an applicant as being risky can be found out after a professional analysis of one’s credit report. A high Debt to Income ratio and loan to value ratio are some of the red-flags. These areas have to be improved so as not be saddled with an exorbitant rate of interest and terms that are not favorable to the borrower. Some unfavorable terms are floating interest rates that send the finance charges through the roof upon a single defaulted payment. To prevent this eventuality, it is better to choose a deal with a fixed (flat) interest rate or a low ceiling rate on the interest rate slab.

Lending fees, high interest rates, discount points (another form of lending fees paid upfront to prevent the interest from racing up) can actually break the bank. In fact, there are many cases in which discount points have been deceptive and one ends up paying more for them, than the actual interest (finance charges) that would have been paid if the interest rates did go up. To prevent such goof ups, it is a good idea to take estimates from two or three lending organizations, compare their offerings and then choose the one that appeals most to one.

The worst pitfall to guard against is when some lender tells you that you are eligible for 100% financing of investment property. Those idyllic days are over. In fact, they are past their sell by date because there were not so idyllic. There may be such plans available on subsidy from the government for the exclusive use of first time homeowners who belong to the low income group. But this does not include investment property dealers. Traditional methods of 100% financing are now called owner financing and are still available but they are not an attractive option. It is not surprising that requests for owner financing are viewed with suspicion of default by lenders and therefore, that avenue is best avoided.