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Home > Low Intro Rates > Advanta Platinum Business Card with Rewards Options

Advanta Platinum Business Card with Rewards Options

0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter
7.99% Variable APR on Purchases
Choice of 5% Cash Back or Travel Rewards
No Annual Fee and No Limit on Earnings
$0 Fraud Liability
Personalized card -- your company name on the top of the card

Annual Percentage Rate (APR) for Purchases and Balance Transfers: Prime plus 7.99% ; however, for Balance Transfers only, introductory 0% for the first fifteen billing cycles from the date your account is opened.
Default: The higher of the account APR plus 3%, or Prime plus a Default Margin of 17.99%.
Grace Period for New Purchases: 25 days from statement closing date, if new balance is paid in full in the manner and by the time of day on its due date as shown on statement.
Annual Fee: None when you select any Cash Back reward program.
Minimum Finance Charge: If any finance charge is applicable: $1.
Transaction Fees: for Cash Advances and Balance Transfers Cash Advances other than Convenience Checks: 3% (minimum $5); Convenience Check Cash Advances: 3% (minimum $5; maximum $50). Balance Transfers processed during the introductory period: 3% (minimum $5; maximum $50).
Other Fees Late Payment Fee: $15 to $39 based on balance. Overlimit Fee: $15 to $39 based on balance. Returned Payment Fee: $20. Dishonored Convenience Check Fee: $20.
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DID YOU KNOW?

Many successful marketers began their careers as children setting up a lemonade stand or selling newspapers. Years of experience and exposure to more mature and intricate marketing techniques change a lot of things, but there is one aspect that is no different between selling glasses of lemonade and Internet marketing... customers have the power to decide whether or not to buy your product.

Yeah, the products and marketing methods are changing constantly, but the driving force that motivates sales remains unchanged... so do the 4 things that steal sales right out from under your nose.

1. The “I don’t need it” attitude.

Let’s face it... need has little to do with what people buy or don’t buy in the American culture. Want has everything to do with whether they do or don’t buy. The most crucial aspect of getting a high number of sales is targeting the right market. It does little good to advertise to people who really aren’t interested.

What are you advertising? Where are you advertising? These two questions go hand in hand. If you’re trying to sell hunting gear, it would make little sense to target mothers with small children. Sure a FEW of them hunt, but your return for the cost of advertising is going to be pretty low. Pay attention to what your target audience reads, and invest your advertising bucks wisely.

2. The "I can’t afford it" attitude.

In a few rare cases, that may be true, but usually “I can’t afford it” can be interpreted as, It’s not high on my list of priorities.” We can usually find the money for the things we really want.

Go ahead and MAKE your product or service a priority. Dramatize the benefits they’ll experience, sweeten the deal until it’s irresistible, and put a deadline on it. Make it “too good to pass up!”

3. The "I’m in no hurry" attitude.

Procrastination is criminal in the marketing world. Yeah, procrastination steals money right out of our pockets! The customer comes... he sees... he wants... but when he puts it off, he never does get around to buying!

What happens in the short time after he walks out without the purchase? Time quietly fades the emotions that were driving the sale, and the desire to shell out the dinero for your product soon fades away entirely.

Don’t let them leave without making the purchase. Now you can’t put a gun to their head and force them to buy, but you can make a deadline on the special. A “take it or leave it” offer just might inspire the procrastinator to act now.

4. The "I don’t trust you" attitude.

Buying is risky business, and most people fear making a foolish investment more than they fear never getting the product. You can allay those fears simply by implementing a few tactics that evoke trust and confidence for the buyer.

Offer an unconditional money back guarantee. You’ll effectively eliminated the risk factor that holds many consumers back.

Use testimonials to let prospective customers know that you do deliver, and a satisfied customer can say it way better than you ever could.

Be open to communication. Hey, when they know someone is willing to answer any question they have, the uncertainty evaporates.

Don’t let these four thieves steal any more of your profits. Deal with them effectively... get them out of the way!

Copyright 2006 Cutts Group, llc

A credit Score is a formula that tells a potential creditor how likely you are to default on a loan.

Credit scores range from 350 to 950

A Credit Score is composed of the following:

  • Payment History 35%
  • Balances on credit accounts 30%
  • Length of Credit History 15%
  • New Credit 10%
  • Types of Credit used 10%

  • To improve your credit score, start by checking your credit reports for any inaccurate or outdated information.

    If you find any inaccurate information on your credit report, write to the credit bureau and dispute it

    By federal law, credit bureaus are required to remove any inaccurate, outdated or unverifiable information from your credit report within 30 days of receiving your dispute

    If you have any accounts past due, it is very important that you bring your accounts up to date, so they are reflected on credit reports as “current” or “paying as agreed”

    Do not max out your credit cards, this means try not to charge more than 35% of the credit limit. For example, if your credit limit is $5000, do not charge more than $1750

    If your credit card balances are more than 35% of your credit limit, try to pay down your balances, this will make a huge positive impact on your credit score

    If your creditors are not reporting your credit limit to the credit bureaus, have this information corrected, since this may lower your score

    Limit the number of credit inquiries to a minimum. If you are shopping for a car, credit scores interpret inquiries within a 14-day period as one inquiry, so do it within a 14-day period

    Always pay your bills on time, even one late payment can doom you, and lower your credit score up to 100 points. Even libraries are now reporting your late payments to credit bureaus

    Have a mix of revolving and installment credit. Revolving means credit cards, installment means car loans, mortgages or student loans

    Do not close old accounts, even if you do not use the account anymore. Part of your score is based on the length of your credit history. If you close one of your oldest accounts, it will shorten your credit history, and lower your score

    Gerardo A is the owner of http://www.goodcredit4life.com. Visit his website to learn about credit restoration,how to fight identity theft,credit scores and finances management







    Copyright 2007, CreditDexter. All rights reserved!