"God is more truly imagined than expressed, and He exists more truly than He is imagined."
|
| |
Credit Cards Online - Where do you Start?
ARTICLE: Credit Cards Online - Where do you Start? WORDS: 566 You have permission to use this article for electronic or print distribution provided the credit box at the bottom is attached. A courtesy notice of publication would be appreciated. Thank ...
Credit Cards - The Inventor Of Debt Consolidation Companies
Like with everything good comes something so overly abused, that turns bad. Credit Cards were invented to help others get by without using cash and being able to purchase goods when you can't find an ATM machine to get money from. But, that all changed, ...
Guide To Gas Rebate Credit Cards
Looking for a way to cut back on your gasoline expenses? You could learn to drive at 55 - the speed which most experts say is the most economical on gas. You could trade in your car for a model that guzzles less of the expensive elixir. You could leave ...
|
|
|
| |
This article provides useful, detailed information about Bad Credit Business Credit Cards.
Before granting credit to a prospective customer, a firm must ask the question: How credit-worthy is this customer? In truth, one mistake in judging the customer can lead a firm into bad credit.
In judging the credit-worthiness of an applicant the three basic factors -- the three C's (character, capacity and collateral) -- should be taken into perspective.
Character refers to the willingness of the customer to honor his obligations. It reflects integrity, a moral attribute that is considered to be very important by credit managers. Capacity refers to the ability of the customer to pay on time. This depends on the financial situation, particularly the working capital position and profitability, and the general business conditions affecting the performance of the customer. Collateral represents the security offered by the firm in the form of mortgages.
There are several ways in which you can find out whether a customer is likely to pay his debts, including analysis of financial statements, obtaining bank references, analysis of the firm's experience, and numerical credit scoring. Financial statements contain a wealth of information about the customer's financial condition and performance. A probing analysis of these statements can provide useful insights into the creditworthiness of the customers.
The banker of the prospective client may be another source of information about his financial condition. This information may be obtained indirectly through the bank of the credit-granting firm to ensure a higher degree of candidness. In addition, consulting one's own experience is very important. If the firm has had previous dealings with the customer, then it is worth asking: How prompt has the customer been in making payments? How well has the customer honored his word in the past? Where the customer is being approached for the first time, the impression of the company's employee about the integrity of the customer is very important. Finally , one can also use numerical credit scoring methods for the credit evaluation.
ABOUT THE AUTHOR
New Business Credit Cards provides detailed information on Business Credit Cards, New Business Credit Cards, Secured Business Credit Cards, Bad Credit Business Credit Cards and more. New Business Credit Cards is affiliated with Small Business Credit Cards.
|
|
|
|
|
|
|
|
 Teens accused of stealing, using neighbor's credit cards (Kingston Daily Freeman)
RHINEBECK - Two Rhinebeck teenagers face felony charges after stealing a neighbor's credit cards and racking up over $9,000 in online purchases, according to Rhinebeck village police.
Many use credit cards for cancer treatment (UPI)
NEW YORK, Aug. 28 (UPI) -- Twenty percent of U.S. adults who experience a critical illness use a credit card to finance recovery-related expenses, a survey indicates.
Couple charged with ‘unauthorized’ use of credit cards (Philippine Daily Inquirer)
MANILA, Philippines – A daughter of the late Sen. Raul Roco and her husband, a grandson of President Manuel L. Quezon, are facing criminal charges for allegedly using – without authorization – the corporate credit cards of a company she used to work for to pay for their trips abroad.
National Multicultural Coalition Releases New Data on Use of Low Limit Credit Cards (Centre Daily Times)
Today, Citizens for Equal Access to Credit, a diverse, multicultural nonprofit coalition, released a study that surveyed the usage of low limit cards in the United States. To illustrate the ability of consumers to re-establish their credit, TransUnion, on behalf of Citizens for Equal Access to Credit conducted an analysis of the "graduation rates" of cardholders over a 24 month period. The ...
UnionPay issues 150,000 credit cards in ROK (China Daily)
China UnionPay, a bankcard association headquartered in Shanghai, has issued more than 150,000 UnionPay credit cards in the Republic of Korea (ROK) since the initial issuance in February.
Banks going slow on sale of credit cards (HT via Yahoo! India News)
If you are getting less of those pesky calls, offering a hassle-free issue of credit card, here's why. Banks are going slow on sale of credit cards, as rising interest costs coupled with spiraling inflation have forced many customers to miss payment deadlines, and, in some cases, even default.
Study: Sharing credit cards causes spats (AP via Yahoo! Finance)
Be careful before signing up for a credit card with your spouse. It may cause a fight. A study released Wednesday by CreditCards.com found one out of five people who share a credit card say it has sparked a fight with the other account holder.
|
