Posts Tagged ‘business management’

Discover The Virgin Money Credit Card

June 21st, 2018 Comments off

Australia has seen a lot of change especially in the credit card industry in the past few years. Long before the overseas companies began investing in this young industry, the major banks of Australia had the monopoly in credit card issuance. They charged high annual fees and interest rates such that owning a credit card was more of a luxury than a necessity.

When the big players finally came and raised the competition, these banks had to lower rates and there was a huge race to find out who would take the market by storm. These overseas companies like AMEX came with the policies of competitive rates I the US and UK thus sparking a revolution of sorts as more credit card issuers came up.

One such emergent credit card is the Virgin Money credit card that was launched by Sir Richard Branson, who owns the Virgin Group, in several countries. The card is no longer being issued due to the merger with Westpac, though the card holders will not be affected by the change. The card offers a 0% per annum interest rate for the first six months from account opening on all balance transfers to a new virgin card. This is one of the cards wonderful offers. However, the most outstanding part is that Virgin Money Credit Card holders do not get to pay any annual fee whatsoever. The cards interest rate is a fair ongoing rate of just 14.24% per annum on all purchases.

Another interesting offer is that the credit card holder is entitled to 55 interest free days on all purchases as long as he or she pays off the card in full every month and on time. This is also inclusive of balance transfers. The card holders also get to enjoy 24 hours access to the credit card issuer in case of any queries or arising problems. The card also runs a rewards program called Mates Rates instant awards where there are no fees or any periods of waiting and all the card holder does is to make deals with card issuer on things hey want in exchange for points redemption.

The Low Interest Virgin card can be used in 32 million locations worldwide and 430,000 others in Australia alone. To make payment with the card, you can transfer funds from your account directly to the credit card regardless of the bank. This is definitely an interesting card.

We all try to find the best option for debt solution, and to achieve this may be you will need a no fee credit cards and low rate credit cards .

6 Citibank Credit Cards with Annual Fee from $65

May 2nd, 2018 Comments off

It is interesting how credit cards have changed how the world does business. A few years ago, the world was fixated in trade using hard cash which was quite and still is common place in many countries. This form of trading has some serious disadvantages such as the fact that having money in your pocket all the time is a threat to a persons security. Moreover, carrying cash is tiresome and it encourages recklessness.

Credit cards come in timely to regulate these disadvantages and promote easier ways of shopping. Though it may have its own disadvantages, this system has great benefits such as easy access to credit without undergoing lengthy processes and also enabling you to keep track of you expenses.

Citibank has chipped in to present great cards into the market at competitive rates and interesting packages. Their cards have attractive interests and low annual fees. In fact they have cards with annual fees from $65. One of these cards is the Clear credit card that is quite cheap since it offers a very competitive interest rate of 12.49%. This rate is actually the cheapest among all Citibank cards. It comes at an annual fee of $65 and falls in the standard level credit card.

The Silver credit card is another interesting standard level card from Citibank. It has an interest rate of 19.99% which is rather high compared to the rates being offered by other players in the market. It however comes with a substantially low annual fee of $69. The Clear Platinum credit card is one of the most prestigious cards offered by the bank. It falls in the Platinum level and comes at a very interesting low interest rate of 10.99% which is one of the most competitive for a Platinum card. It also comes at a neat rate of just $85 per annum.

The Gold credit card is a gold level credit card that comes at an interest rate of 19.99%. the card also has an annual fee of $119 making it one of the least affordable cards from the bank. The Emirates Citi Platinum is another Platinum card that the bank offers at a rate of 19.99% and an annual fee of $199. Compared to the other Platinum cards from the bank, this card is only second to the Platinum Credit Card in being expensive. The later comes at an interest rate of 19.99% and an annual fee of $250.00

Are you in a business? then a business credit card can actually help you a lot. Find today more info about low rate credit cards and no fee credit card deals for your business.

HSBC Credit Card And Balance Transfer

January 26th, 2018 Comments off

Many consumers consider so many things while shopping for a credit card. This may be a low interest rate or one that has reward programs like cash backs and rebates.

However, there are other features that the credit card shopper looks out for while shopping for a card. One such thing is what is known as a balance transfer credit card. These are cards that are designed to consolidate the credit card holder’s credit card debt onto just one single card. This enables the holder to save money on interest charges. A common feature with such cards nowadays is that they now charge a low introductory APR rate of interest on balance transfers on credit cards.

One of these cards is the HSBC Platinum MasterCard with Cash Back rewards. This card guarantees the holder unlimited shopping restrictions and great cash back offers. These rewards include a full 1% cash back on every card purchase that the holder makes with the card regardless of place or amount. However, the most outstanding aspect of this card is the fact that it allows for balance transfers at an outstanding rate of 0% for the first one year. This is a very exceptional offer since the card holder does not worry about any other expenses in the first year except the monthly billings.

The card also has a special introductory rate of 0% APR on all card purchases for up to 12 months and an APR as low as +3.99% on the total purchases. Another great aspect of the card is the fact that the client gets Platinum benefits in the form of purchase protection, extended warranties on your card and rental car insurance on you automobiles.

Other attractive features of the card include a 100% fraud liability protection which protects you in case of a fraud. This applies automatically from the moment it is reported. MasterCard Platinum benefits also include Purchase Assurance coverage which protects you from any kind of theft or damages on the new purchases you make, extended warranty insurance which doubles the manufacturers warranty on all the new purchases, MasterCard Global Services which gives you 24 -hour assistance on all stolen or lost card needs and finally, the card has acceptance at millions of specified locations worldwide including all online purchases and reservations. You also get discounts from your MasterCard at many of the favourite merchants anytime you enrol for the service at This is surely a card you can count on during these hard economic times.

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Important Things To Consider When Hiring A Collection Agency

December 15th, 2013 Comments off

Many people who own a business have been in the unpleasant situation where they provided excellent service to a customer and did not receive payment. They can attempt to collect the debt using their own resources but sometimes that proves to be simply impossible. Hiring a collection agency is the most proficient way to handle this type of issue without interrupting the normal operations of the business.

Sometimes a business owner wants to give their customer the benefit of the doubt, so they wait awhile before sending an account to collections. The truth is, the more time goes by, the less likely it is that the debt will ever be recovered. Most companies choose to work with a collection agency when a bill is ninety or one hundred and twenty days overdue. Just be aware that the older the bill gets, the more an agency may charge to recover it since it will be far more difficult.

A red flag should go up for a company when their client defaults on several payments and seems to move around frequently. These people are referred to as skippers and they make a habit out of moving away and not notifying their creditors to try to get out of paying. These debts are sometimes never paid, but a collection agency has access to skip tracking methods that can track them down.

When a company hires a collection agency, it becomes much easier for them to run their everyday operations. Rather than spending precious time trying to contact debtors, businesses can focus their attention on the services they provide to their paying customers. They can rest easy knowing that things are being taken care of by trained professionals.

The first question that any company should ask a collection agency before establishing a relationship is how they expect to be paid. Usually, their rate is based on a percentage of the debts they collect. Try to find a company that only gets paid if they are able to collect and does not expect any money before they begin working.

Hiring a collection agency is the easiest way to solve debtor problems without taking time away from important business matters. Business owners can devote all the attention to their company that it needs because they know someone is handling their delinquent accounts. This is the most efficient way to go for a company that has no time to waste.

Want to find out more about hiring a collection agency, then visit Sid Burnstein’s site on how to choose the best california collection agency for your needs.