Credit cards are an essential companion for business owners.They are vital for making fast payments, placing orders and covering travel costs when necessary.And it is in recognition of this fact that the Chase Platinum Business Credit Card has emerged, providing benefits that small and medium sized businesses can find very worthwhile.There is no doubt that approval of a high credit limit can prove to be risky, but since the card is to benefit business, with expenses and invoices that need to be paid quickly and supplies to be sourced without delay, a limit of up to $35,000 is ample.Business owners know better than to spend wildly anyway.There is always reason to examine closely the factors that affect a card before getting one.But with a range of Chase cards that suit every lifestyle and business, there are great advantages to be enjoyed.What the Card Offers.There are a number of advantages to taking on a Chase Platinum Business Credit Card, advantages that not only give the cardholder a certain freedom but also provide a meaningful support when conducting business.Typical benefits include an introductory offer of 0% APR for the first 12 months on both purchases and balance transfers.There is also no annual fee, but with a credit limit of up to $35,000, the cardholder is given plenty of room to maneuver.Of course, the approval of a high credit limit can spell trouble if the card is not used wisely.However, another key benefit of this Chase credit card is that significant savings can be made on the purchase of business and office equipment.For example, as much as 20% can be saved on the cost of buying computers and office supplies.Factors to Consider.There are not many negatives to the Chase Platinum Business Credit Card, with the card clearly designed to encourage small business.It can help them to get off the ground by covering some of the start-up costs, or maintaining a flow of funds needed to keep the office running smoothly.The attraction of the card means that transferring balances from old credit card providers is to be expected.For some, it is the draw of getting approval of a high credit limit, but it is important to understand that transferring balances on other major cards will affect the credit balance, in much the same way as making a purchase.Also, Chase does not contact the old credit card company to notify that an account should be closed.That will need to be done by the holder of the new Chase credit card.Leaving it undone, can result in higher costs.Extra Benefits.There are other benefits to a Chase Platinum Business Credit Card that are worth noting.Though they may not make a hugely significant difference to the cardholder, they are certainly convenient to have.The card offers emergency and travel assistance, purchase protection and travel accident insurance.It means that business travelers are covered on the business journeys, something that can come in useful when on the road - or in most cases, in the air.There is no doubt that getting approval of a high credit limit can lead to financial pressure, but as with all credit cards, careful management can ensure a good future.And for business owners looking to invest in new computer equipment, this Chase credit card is ideal, allowing for cost-saving investment in necessary equipment.

Small business credit card debt relief is available using federal law to stop and defeat collection activities against you or your company.Threats of lawsuits against your business should be welcomed because most debt collection companies and their attorneys don't have a clue of what's in store when they encounter a knowledgeable business owner.For far too long ignorance of federal laws concerning debt collections has been used by some of the largest legal firms in the United States to run over people and small businesses to illegally take their money.Attorneys show up in court with nothing more than a name, address and the alleged amount owed.It is extremely rare for anyone to fight the system.There are two commonly used methods to collect alleged debt from people or businesses.First the feared debt collection phone call which is easily defeated with a simple recording device.Victims of abusive calls can easily take money from the callers and the companies they work for.Secondly the collection notice that goes unanswered is used as a court document showing the person or business did not bother with a response and therefore owes the debt.This is the pathetic state of affairs businesses face in the collection industries.Knowing just a few of the simplest things can lead to the case being dismissed if it ever gets to court.And properly answering a collection call can be worth astronomical amounts of money when played to a jury.It all stems from believing you owe and are therefore guilty.If you have a few moments you can learn the truth.To understand the nature of credit card debt use the search term "the gig is up - money, the Federal Reserve and you" for a mind-boggling ride through history that will leave you in a state of shock.This video seminar was presented at the University Of Colorado School Of Law.Business card debt is easily handled not by paying the account but by choosing not to pay the account at all which is a constitutional legal right.It all began when banks decided to throw money away like it was nothing which ended up with Congress debating about outlawing cards altogether.Use the search term "the Chicago debacle" to read about this absolutely amazing fraudulent scheme the banks came up with.Congress countered this card scheme by writing the Fair Debt Collection Practices Act so if you decided not to pay there were legal actions you can take against collectors to make them end up paying you.Many business owners are aware of the Practices Act and believe it only works for people but not a business.The Act works equally well for any business and here are just a few reasons why.Many business owners cosign card applications when their small corporations have no credit.Suppose you used a couple of corporate cards to buy a company vehicle and registered it in the business name.It's an easy matter to put a lien on the vehicle because your cosigner status on the card makes you the individual the financing company.Another reason is a corporate (paper) entity cannot speak so any collection call attempting to collect money from the business is answered by a live person who does have rights under the Collections Act.An abusive collections call where a collector is cursing a Corporation is indistinguishable from cursing the person the collector is talking to.Now that you understand there is no difference between abuses against a company or individual it's time to see what constitutes a violation.You can use the search term "FTC debt video" to see a sprinkling of violations.Collection calls must be recorded as legal proof of a violation.When answering a collection call it is extremely important to give the collector no information whatsoever other than your name and the business name.Never acknowledge a debt in any way.It's up to them to legally prove the business owes and not for you to prove the business doesn't owe.Never forget the collections industry operates just as fraudulently as do card companies.Collectors are nothing more than telemarketers trying to get a business to send them money.It is easy to reverse this process and have the collectors sending the business money instead.Collection calls for people carry a 90% violation rate according to recent studies so you can reasonably assume that business violations are very close.But it's an easy matter to make your violation rate 100%.Get all contact information from the collector and say something like the company's been waiting to find out how much it owes so we can send you a check.You'll hear disbelief in the collectors' voice as he genuinely believes he's found a willing victim.Then say something like I'm sorry Mr.Collector, the company has a disapproved list of frauds to never pay and you're at the top of the list.Get ready for multiple violations.Playing your recordings for his supervisor will get the account marked paid as agreed and playing it to a jury will become a windfall of cash.Written collection notices need only be answered with a demand for proof of debt and signed by the owner or company president.Because collectors have no proof they will sell your information to another collector and the entire process will start again with the harassing calls.You'll have another chance for big winnings when the cycle starts again.Your company could go through four or five cycles until the lowest of the junk debt buyers realizes is he's been had.Business credit card debt relief is easily obtained using federal law and you should never fear being attacked by the biggest law firms in the US.Any attorney that engages in the business of collecting a debt is by legal definition nothing more than a debt collector and some of the biggest collections lawsuits have been filed against them.They are unable to function in the real world so their practice is just as fraudulent as the card companies.

One of the quickest ways to expand your business is to let your customers use a credit card.With something like $2.5 trillion in credit card transactions a year, that's a lot of business that you could be tapping into.A merchant account that can process credit card payments for a fee is a viable system in almost all industries.Retail. grocery stores, convenience stores, boutiques and the mall.Restaurants. fast food, casual restaurant and fine dining.At some restaurants you can get car-side service and pay-at-the-table service.Service with Tips. hair salons, taxis and limousines.Professional. doctors, accountants and lawyers.Internet or e-Commerce. anything business that transacts business online.Trade Services. the plumber, mechanic and contractor.All of these businesses can - and should - offer credit card services to their clients.Here's why..More money spent.Studies show that customers spend more than they planned when they have the flexibility of using a credit card, debit card, electronic check or a gift card.They are not limited to the dollars in their wallets and they don't have to wait for payday.So instead of just picking up one thing, they have the flexibility of looking around or taking advantage of a sale.You will also be able to capture the impulsive buyer.Legitimize your business.Understand that customers are strangers until they've worked with you.They may like what you offer, but they cannot be sure that you will come through with what you've advertised.But when they see a logo that tells them companies like VISA, MasterCard, American Express or Discover are doing business with you, they begin to develop a sense of trust in your operation.Better cash flow.Not only can you expect sales to increase, but you can get your hands on your money more quickly.You won't be waiting for the customer's check to clear, experiencing bounced checks or sending out late notices in hopes of collecting an overdue bill.The merchant account pays you - and then it is on the merchant account to collect from the customer.Safest online transaction.Something like 90 percent of people shopping online use a credit card.It's safe for them, and if you cannot accept their credit card, they will find another vendor who will take plastic.Rewards.Today's customers know that their purchases are worth a lot to the credit card companies.They have come to look for the rewards associated with particular cards.If they are making a particularly large purchase, they will want the points - points they cannot get if they pay with cash or a check.Some merchants worry that a merchant account will dip too deeply in their profit margins.But that isn't true.If it were, the majority of businesses would not accept credit cards.Today, there are a host of different plans and pricing schedules that make it possible for any merchant to reap the benefits of a merchant account - including the extra customers coming their way.If you want to investigate a merchant account, start by comparing the companies - and only considering those merchant accounts with a sound track record.You are safest by using a company that has been in business long enough to develop a good reputation.There are always some new kids on the block, but let them prove themselves with someone else's business.Next, compare fees and services offered.You will find that most fees fall within the same range, give or take a few cents.These are transaction fees, processing fees, and so on.If you find a company whose fees sound too good to be true, there is likely a hidden problem.Most likely, there is a hidden fee somewhere that lets the company make up the difference.Be aware that there are some fees you should not have to pay, given today's competitive market.For example, you shouldn't have to pay an application fee, setup fee, installation fee, programming fee or annual fee if you want to accept credit card payments.Remember, however, that merchants today need to accept more than credit cards.There are a host of advanced payment processing solutions - like debit cards, check and pre-paid card processing, electronic balance transfers, revenue-generating gifts and loyalty cards - that need to be part of your mix.You also need to look into the kind of services provided.For example, does the account offer a money back guarantee that you will be happy with? And be sure to ask about customer service.Is it a 24/7 operation? It should be.Remember, if your processing terminal goes out, you are out of business.Once you have made a decision, the merchant service should be able to act quickly.You should be set up to accept credit cards in as few as 24 to 48 hours.You'll soon be reaping the benefits that come with a merchant account.

Business credit cards can offer quick solutions for companies that need additional cash flow, while funds or access to funds may be low.They can be perfect for small businesses and larger corporations alike.Most companies offer the ability for businesses to have several cards for multiple employees with access to the same account.Some can even be personalized with each employee's name, or other safety features.Annual Fees.Many business cards come with an annual fee.While many of the larger companies offer accounts with no annual fees as an incentive, if a card doesn't have an annual fee it is often at the sacrifice of a higher interest rate.If looking into a business card, be sure to find one that suits your needs.Having an annual fee may be worth it if the rewards are good.For example, the Chase Ink Cash Business cards have an extra bonus for office supplies of 5% cash back over their standard bonus of 1% cash back for all other items.Other Fees and Interest Rates.Business credit cards can be a life saver for small businesses or a final nail in the coffin for a struggling one.The biggest problems that many run into with business credit cards are the shift on the interest rates, or the start of fees that begin when certain qualifications aren't met.Some cards begin having a fee or an increased APR after a certain time or when a certain purchase level is not reached.Specific Business Cards.American Express is one of the most prevalent card companies in the business credit card industry.American Express offers several cards like the American Express Business Platinum Card.This card has an added cash back bonus after a spending threshold is met within the first three months of owning the cards.While this card holds a heavy annual fee of $450, the trade off is that there are no pre-set spending limits.Another specialized choice is the Chase Ink Bold card.While this card has an annual fee of $95 after the first year, it boasts no interest.This card, along with the entire line of Chase Ink cards, requires excellent credit.If you ever need to fly for your business, it would benefit you to get the bonuses for frequent flyers like the Delta Sky Miles card from American express.Sometimes the best choice is to give up cash back for other perks.The Plum Card from American Express offers a very low annual percentage rate of 10%, and even lower when paid off sooner, in lieu of reward programs.