Other Costs and Features: Credit terms vary among issuers. When shopping for a card, think about how you plan to use it. If you expect to pay your bills in full each month, annual fee and other charges may be more important than periodic rate and APR, if there is a grace period for purchases. However, if you use cash advance feature, many cards do not permit a grace period for amounts due - even if they have a grace period for purchases. So, it may still be wise to consider APR and balance computation method. Also, if you plan to pay for purchases over time, APR and balance computation method are definitely major considerations.

You'll probably also want to consider if credit limit is high enough, how widely card is accepted, and plan's services and features.

Useful Tips: Keep these tips in mind when looking for or using a credit or charge card. Shop around for plan that best fits your needs. Make sure you understand a plan's terms before you accept card. Hold on to receipts to reconcile charges when your bill arrives. Protect your cards and account numbers to prevent unauthorized use. Draw a line through blank spaces on charge slips so amount can't be changed. Keep a record - in a safe place separate from your cards - of your account numbers, expiration dates and phone numbers of each issuer to report a loss quickly. Carry only cards you think you'll use.

You may freely reprint this article provided author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online loans via the http://www.directonlineloans.co.uk website.

Despite critical importance of a business plan, many entrepreneurs drag their feet when it comes to preparing a written document. They argue that their marketplace changes too fast for a business plan to be useful or that they just don't have enough time. But just as a builder won't begin construction without a blueprint, eager business owners shouldn't rush into new ventures without a business plan.

Before you begin writing your business plan, consider four core questions: What service or product does your business provide and what needs does it fill? Who are potential customers for your product or service and why will they purchase it from you? How will you reach your potential customers? Where will you get financial resources to start your business?

You may freely reprint this article provided author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online loans via the http://www.directonlineloans.co.uk website.