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A simple understanding of business credit cards Using business credit cards is a great way to receive money to pay for things like company lunches, airfare, and office supplies. A business credit card does help you to establish an image for the company and to really market the company as well. Many companies prefer the company credit card due to it’s lower interest rate along with the large line of credit that they come with as well. A company credit card is a great option and it does give you access to a lot of great things such as discounts on airfare and hotel rooms. When you become a small business owner, the business credit card tend to become something of a statement. You are able to show others that your company has “arrived” so to speak and you can use it when you are out on company business and it will get noticed. This is a great marketing tool especially when you are out to eat with your staff. It creates brand recognition and it is a good option to have. Building up your business credit is something that you really do need to focus on and a business credit card is one of the best ways to do this. You need to watch the APR on the card and to make sure it doesn’t have any fees associated with it as well. How about the rewards that it comes with? How many points will you need to earn in order to be able to use the rewards from the card? Usually business credit card offers will have a 12-15 month grace period in which you will not be charged interest by the credit card company. This is a great time to take advantage of the offer and use it to pay off higher interest loans by transferring the balance. You can also use it to buy new equipment and to pay it off as soon as possible. Once you research the credit card companies you can then apply for the card of your choice online. This is a great option as you can usually find out the decision in an instant once the application has been submitted. As long as your business credit is good, you shouldn’t have a problem dealing with the application process. Always compare credit card offers in order to make sure you are getting the right one. Most of the business sites that talk about loans will have comparison tools you can use in order to see which cards are perfect for your companies needs. Always pay attention to the APR, annual fees, and the promotional period. Read through the fine print to make sure you don’t have a set up fee or other random fees that could be charged to the account. Check with your bank to see if they can get you set up with a business credit card. Most banks will provide them to you if you are a loyal customer to the company. They may even personalize the card with your logo for you as well, which is great for marketing needs! As you learn about the card and it comes to you, make sure you are using it wisely. You need to make purchases but also to pay off these purchases in a timely manner. Quick payment on the credit card will boost your business credit score and can help to keep interest rates lower along with making the card much more affordable to your company. Just in case your personal credit may play a role in getting the card you should also consider looking up your personal credit rating to see where it is at. If your credit is lower, take a few months to work on building it back up as it can help you out tremendously when you apply for a loan and a business credit card. Search our site for more information: Rate This Post Rating: 0 votes cast)
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Poslovne kreditne kartice Je poslovne kreditne kartice pomoći? "Da" je odgovor koji dolazi iz gotovo odmah. To vrijedi barem za većinu tvrtki (osobito male tvrtke). Prije nego što smo kopati dublje u tome kako poslovne kreditne kartice su korisne, pokušajmo i razumjeti što je poslovne kreditne kartice. Jednostavno rečeno, poslovne kreditne kartice je kreditna kartica koja je u vlasništvu poslovanja, a ne pojedinac. Da bismo razumjeli ovo bolje, možete jednostavno povući analogiju između poslovne kreditne kartice i poslovnih bankovnih računa, koji su u ime poslovanja, kao dobro. Osim toga, poslovne kreditne kartice rade u ljepušan velik dio isti način kao i osobne kreditne kartice, uz nekoliko iznimaka. Te iznimke su u obliku fleksibilnost u kreditni limit, niske aprs i neke druge dodatne pogodnosti koje su dostupne za poslovne kreditne kartice samo. Čak i samo od toga, poslovnih kreditnih kartica čini dobar prijedlog. Međutim, poslovne kreditne kartice će biti atraktivna i bez tih prednosti, jer je glavna prednost leži negdje drugdje. Velika-velika korist od poslovne kreditne kartice ostvaruje se u smislu poslovnog računovodstva troškova. Za većinu malih poduzeća, poslovni rashod računovodstvo je veliki pretek. S poslovnim kreditnim karticama, to se rješava vrlo jednostavno, samo trebate da se osigura da bi sve svoje poslovne troškove na poslovne kreditne kartice i neka osobne potrošnje biti na osobne kreditne kartice, odnosno odvajanje poslovnih i osobnih troškova je sve što trebate učiniti. Tako je račun za Vaše poslovanje kreditne kartice će imati sve poslovne troškove na njega i ne bi trebao usporediti sve različite račune ili izdvojiti stavke iz vaše osobne kreditne kartice računa. Ključ je ovdje kako bi bili sigurni da koristite svoje poslovne kreditne kartice za sve svoje troškove poslovanja (ili koliko god možete). Štoviše, mnogo poslovnih kreditnih kartica dobavljača ostvariti ovu potrebu malih poduzeća, pa čak i organizirati poslovne kreditne kartice računa na način koji zadovoljava računovodstvenim zahtjevima tih poduzeća. Dakle, uglavnom su na odgovarajući način će se grupirati troškova na poslovne kreditne kartice računa kako bi se olakšalo poslovanje računovodstva troškova. U stvari, neke od poslovnih kreditnih kartica dobavljača ići do te mjere osiguranja računa u formatu koji se može skinuti i izvozi na tj. računovodstvenog sustava ne trebate upisati podatke ručno u vašem računovodstvenom sustavu. U slučaju da format nije prikladan za vaš računovodstveni sustav, možete unajmiti softver profesionalno napisati mali program za brzo pretvoriti ga u odgovarajući format. Tako je samo jedan od razloga - "olakšavanje poslovanja trošak računovodstva", je dovoljno za slučaj male poslovne kreditne kartice.