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All big financial institutions have business credit cards

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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Tue Sep 23, 2008 6:47 pm  

I still think you may have some good ideas in the peacocks thing. I just think you need to go wild on the google site and see where your opportunities lie. I know right now dream catchers are a really big thing. My neice was having some really bad dreams and her mother bought her one and told her the freathers catch all the bad dreams before they could get to her and it really worked, my daughter thinks they are cool and even older people like us, use them to add in to decoration,especially ikf doing an Indian theme. You could make some unique ones and even sell them on e-bay.
goodnatured



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437 Magic Points

 
Posted on Wed Sep 24, 2008 1:36 am  

good idea fireyone, you could make alot of things out of the feathers and sell them on ebay.
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fireyone



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Posted on Wed Sep 24, 2008 11:15 am  

If I was you I would start looking into some of these ideas. With the Holiday season around the corner you will find numerous shoppers looking for that "unique" gift. This would fair rather highly on my shopping list for children, grandchildren, neices and nephews. What a wondedrful thoughtful and long lasting gift a dream catcher would make.
1002543



Joined: 31 Aug 2008
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96 Magic Points

 
Posted on Wed Sep 24, 2008 2:45 pm  

All big financial institutions have business credit cards. BOA, Chase, Citi, Amex (Plum), Advanta and so forth.
As far as I understand everyone can apply to business credit regardless if he/she has actuall business.
APR may vary. Some lenders have better reputation and some worse. Advanta is prone to RJ up to 31% which is insane.
AMEX likes AA (CLD or FR). Citi and Chase sometimes CLD too.
So I would go with BOA or credit union.
fireyone



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Posted on Wed Sep 24, 2008 4:41 pm  

!002543...I see in a few of your posts that you mention BOA. I am not familiar with a lot of these types of companies and wondered which one that is. I am going to transfer my debt from one card to another here shortly due to teh 0% interest period coming to an end and I was looking into differeent cards as options. Which one do you think is the best?
1002543



Joined: 31 Aug 2008
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96 Magic Points

 
Posted on Wed Sep 24, 2008 9:15 pm  

BOA or BOFA stands for Bank of America.
I am pretty much happy with this institute and they love balance trancefer. They bunch of 0% for 12 months BT credit cards.
The only thing you need to negogiate is a BT fee. Usually it is 3% uncapped. I could get it capped at $99.
Chase usually have 0% BT cards but IME BOA is more generous with crdit limits.
Good luck.
fireyone



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123 Magic Points

 
Posted on Wed Sep 24, 2008 11:18 pm  

Okay now the name rings in. My debt is condisrably high ...like 5700..that would be a pretty bif fee for balance transfer...over 1500....I do not think I will even have the debt much longer after I transfer. My auto settlemnet should fall on or a little over my zero interest running out. I do not want to pay that much for a balance transfer if I am not going to have it long.
How are Chase with credit limits and do you know what a onthly payment would run? I may just go the bank route. I am kinda holding out just in case.
Justin

Justin

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Posted on Fri Sep 26, 2008 7:10 am  

Hi Fireyone
I think that you can choose those balance transfer credit cards which has not only zero APR, but also offer a minimum balance transfer fee. You can go for Disney Rewards Card from Chase and Discover more cards, which charges a maximum of $75 for each balance transfer. However, Citibank cards, HSBC cards and AT&T credit cards have a balance transfer fee of 3% for each transfer. Most of these cards offer a introductory balance transfer zero APR for a period of 12 months.
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1002543



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Posted on Fri Sep 26, 2008 1:43 pm  

BT offers and BT fees vary . Those offers are individual and depend on applicant's credit history and FICO score.
goodnatured



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Posted on Sat Sep 27, 2008 3:52 am  

I believe that you are right 1002543, each one is handled as an individual case by case basis.
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fireyone



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Posted on Sun Sep 28, 2008 4:18 pm  

Justin, $75 isn't too bad. We are going down to the bank this week and seing how much it will cost us to transfer this debt to a loan and what are options are. We aren't going to apply but I just want to see how this option will work before deciding which route to take. I am still hoping to have it paid before it comes due.
If we got the card(and used) in Dec. 2007 the zero percent interest would end in November right? So the interest wouldn't be added until Dec?
goodnatured



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Posted on Sat Nov 08, 2008 4:38 pm  

Have you been paying on this account while it has been no intrest? The more you pay on it now the less you will have to borrow to pay it off.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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fireyone



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123 Magic Points

 
Posted on Sat Nov 08, 2008 8:09 pm  

Yes faithfully every month. We got it paid off through the bank. Great interest rate and only a $35 fee. The interest wasn't due to go on until the end of January. Hubby read the wrong date on the statement but oh well at least I don't have to worry now. The monthly payment is pretty good too.
goodnatured



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437 Magic Points

 
Posted on Sun Nov 09, 2008 4:21 pm  

that is cool, so you did establish a little bit of payment history with it anyway right?
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sun Nov 09, 2008 11:00 pm  

Oh yeah. We didn't close the card either. We actually put a small purchase on it and paid one quarter of the amount we charged when we sent in the payment last week. I want to keep that card open because if you get into a bind and something in the house breaks like a water heater you can get it there. We don't carry credit cards on us anymore either. It is too easy to say "I got to have that". By leaving them at home it gives you a chance to sleep on the purchase you are considering. Sometimes it doesn;t seem like such a must have in the morning.

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