TIPS:
Step 1: Look for the best interest rates. Browse the Internet, or better still, just check your snail mail for those letters talking about limited time, low interest rates. Collect as much info as you can and store it all. Be aware that some companies only offer a low rate for a period then crank up the interest; you want a long-term low interest rate.
Step 2:Compare perks among the major credit card lenders. Some will offer you no interest for a year, some give higher limits, some will provide you with airline mileage and some will give you cash back. Find out all the extras you can get from a company and make a list of these.
Step 3:Search through your notes for the leaders in both categories. Compare what kind of deal the leaders in interest rates are giving compared to the leaders in free perks. Also ask yourself which is more important to you, interest or perks.
Step 4:Call each of the top companies on your list. Tell them that you found a better offer and explain to them what another company on your list is offering. Ask if they will match that. Most times the credit card company will give you a counter offer. Do not take it unless you are satisfied. Call around to all the companies on your list and apply the same tactic.
Step 5: Be patient with this process. The credit industry is constantly fluctuating; one day the market is strong while another it is weak. Keep calling until you find them at a weak moment and are willing to meet your demands.
Electronic Check Processing to make business transaction secure and accurate
If you are offering just Cash of Credit Cards as payment option in your business, you are missing a large amount of customer base who are paying by checks. As one survey says ‘most of American who not having credit card does payment through checks’. So you are avoiding the one most powerful opportunity. Before you go for electronic check processing, you have to know basic about electronic check processing.
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