Business Credit Card

Business credit cards are very popular for small business owners because of many benefits they offer. Benefits includes 0% Intro APR on balance transfers, no annual fees, high credit limit, low interest rates, cash rewards, bonus miles, free online account management to choosing card design etc., At iCreditOnline.com we have some of best business credit cards from American Express, Advantage and Citibank with online credit card approval. Why waste time going to a bank when you can get a decision in less than 60 seconds with secure online credit card application. Online Credit Card Approval with Online Credit Card Application is fast and easy!

Student Credit Card Having a student credit card while still living at home or attending school away from home can be an advantage. It gives student opportunity to establish credit at an early age and to start asserting their independence. It comes in handy in case of emergency, it is less trouble and safer to carry a student credit card than to carry cash. Parents find student credit cards to be very convenient. They are able to make deposits to their children's account while they are away from home. Students should be careful with their credit card receipts to avoid identity thief.

If you consistently pay your bills on time, obtaining students credit cards is a good way to established credit rating and start building a good credit history while in school. Establishing and maintaining a good credit rating will make it easy to purchase a car, a home or obtaining a personal loan in future. For students who are not committed to their financial obligation, getting a student credit card is not a good idea. Running up balances, finding yourself in debt, unable to make monthly payments will destroy your credit rating.

Student's credit cards generally have high interest rates. At iCreditOnline.com we offer some of best student credit cards from Chase and Discover with 0% APR introductory rate for 6 months, no annual fees and online account access. Online credit card approval with online credit card application is fast and easy!

Explanation of some of credit cards we offer:

0% Intro APR Credit Card or Balance Transfer Credit Card gives you benefit of using this credit card without making any interest payment on principal for a stated period of time. This credit card is marketed to individuals with good credit rating who want to transfer balance from a high interest credit card to a 0% intro APR credit card.

Cash Rewards or Cash Back Credit Card earns a percentage on purchases made. This reward or cash back is credited to your account.

Debit Card takes place of carrying a checkbook or cash. This card is used like a credit card with certain limitations, such as not being able to rent a car. Purchase transactions are contingent upon having enough funds in your checking or savings account to cover purchase. Verification of funds requires entering your Personal Identification Number (PIN) at a point-of-sale terminal.

Low interest credit card saves you money. Having a good credit rating qualifies you for some of best low APR credit card offers.

Prepaid Credit Card spending limit is amount of money you loaded to card. There are no interest or finance charges on a prepaid card. Therefore company giving you prepaid credit card has zero risk. Generally people who apply for prepaid credit card are people with poor credit or unemployed.

Secured Credit Card is secured by amount of funds you have in your account. Your credit line could be from 50% to 100% of your deposit depending on institution giving you secured credit.

Unsecured Credit Card is issued to individuals with good to excellent credit rating. Credit ratings depend on certain criteria, such as one's ability to repay loans. These criteria include payment history, employment history, and financial stability. Individuals with excellent credit will most likely receive a lower interest rate and can receive instant online credit card approval. A major factor in maintaining excellent credit is making your loan payments on time thus avoiding late fee penalties.

Travel Rewards Credit Card benefits may include travel accident insurance, free rental car collision/loss damage insurance, rebate on gasoline purchases, frequent flyer points or bonus miles towards airline flights, free quarterly and annual account summaries.

http://www.icreditonline.com offers best secured credit cards, unsecured credit cards, student credit cards, business credit cards, auto loans, personal loans, business loans, commercial loans, equity loans and merchant account from most reputable companies. In addition, you will be pleased to find free downloadable guides and a high quality of content pertaining to credit repair services such as credit rating, credit repair, credit scoring, debt consolidation etc.,

As you can observe, we carry a variety of product to satisfy needs of our customers. Our site is well organized and easy to navigate. Our products are grouped, enabling customers to find information and product they are interested in easily.

Search iCreditOnline.com for best credit card that meets your needs. Then choose and use your credit card wisely. We strive to make iCreditOnline.com a pleasant website to do business. Online credit card approval with online credit card application is fast and easy.

Credit education article by David Hall http://www.icreditonline.com support@icreditonline.com

Although an interest earning checking account seems like obvious choice to make, there are a variety of situations where you're better off choosing a no interest checking account. If your account balance fluctuates quite a bit so that you are likely to go under minimum balance required for account even a few times during year, you are likely to pay more in fees than you will ever earn in interest. In addition, checking account interest rates are some of lowest, so choosing a checking account with no interest and a low minimum balance can make sense if you can put difference into a higher yielding account.

Many people have several bank accounts at different institutions. It sometimes make sense to consolidate them at one bank. Consolidating your banking to one bank can give you more leverage in negotiating fee reductions and allow you to be more proactive in getting best deals available. If you keep several different accounts at a bank, some banks will take into consideration total balance of all your accounts at bank. Although you may not have minimum requirement in your checking account to earn interest, if you are also keeping a large deposit in a CD account that more than covers checking minimum, bank may be willing to count balance of combination of accounts as meeting minimum requirement.

Another option that can give you leverage when negotiating on checking account fees is to have your paycheck direct deposited. Although every bank has its own set of rules, most will waive checking account monthly fees if you direct deposit your paycheck. Don't, however, assume they will automatically give it to you. Chances are you will have to politely ask before they offer you this service.

A further possibility in getting free checking is to invest in bank. Although this doesn't work with larger banks, some small to medium sized banks have programs that award free checking and other special offers to investors. All you need to do is purchase a single share of stock to qualify.