In this time of crisis in which it seems that everything goes wrong, not all have to be bad news. The banks and savings banks begin to show some sensitivity toward micro and self-employed, and are already several entities to design products that are adapted to their needs.

In the field of credit cards started to be a timid hole cards designed and intended for the small entrepreneur, professional and the autonomous. In MuyPymes compared the most interesting of the moment.

Card Business of Banco Santander

Card designed by Banco Santander to meet the needs of autonomous and businessmen who, among other advantages, offers discounts of 1 per cent in fuel in any petrol station, a disability insurance transitory and secured a defense of carné by points. In addition, puts at our disposal a free service of SMS and responsibility of eur 0 in case of fraudulent use. Other interesting features of this product are:

1. A compensation, in case of theft, for the stolen money if he was removed with card in the 48 hours before.
2. Up to 750.000 euros of compensation, in case of accidents in travel by public transport or car rental paid with the card. It covers the holder and up to five companions.
3. A compensation for value of the purchases made in the last 12 months with a maximum of 6,000 euros, in case of an accident of the holder in acts of their daily lives
4. Travel Assistance for the holder and your vehicle: within the European Union, including medical expenses abroad.

Business Card of BBVA

The Business Card is a card specially designed for smes, commerce, autonomous and professional. As the main advantage presents its great care insurance in travel, in addition to a sure Infidelity in the event that occurs a misuse of the card on the part of the workers of the company. C

As in other products of these characteristics, offers flexible financing and provides a service of Travel Support that provides the possibility of replenishment of Card and provision of emergency cash.

It is, ultimately, a product whose main asset lies in the wide range of insurance that gives the holder, both in case of emergency, as in travel. As a sample, say that in the case of travel, the card offers nothing less than 12 insurance differentiated covering from aspects as trivial as the visit to the dentist to other much more serious as the advance of criminal bonds abroad in case of an accident.

A business credit card is good for those who have their own small business or have a company that they run. There are many credit card companies out there with small business credit card offers and they each have their own pros and cons. Finding the right one for your wallet and your business is entirely possible but only if you take the time to learn a little about each one and their terms and conditions. This will help you to avoid any upsetting surprises in the future. Things to consider are the Interest rates, annual fees, credit limit, grace period and the possibility of balance transfer and to take out cash withdrawals.You can find 0 credit cards on internet which offer 0% interest rates. These business credit cards are extremely helpful to those that are starting up a business and those that have a successful one. Continue Reading »

According to a recent report thousands of estate agents could end up going bust over the course of this year as a result of tighter credit conditions sparking fears of a housing market crash. Over the past six months lenders have brought in far tighter credit conditions as a result of the global credit card crunch, and this is affecting the ability of many people to purchase a property, even though house prices are falling.

An official from the National Federation of Property Professionals said that up to eighteen thousand estate agents could end up going bust as a result of the credit squeeze and the effects that it was having. He said that lenders were over-reacting to the global credit crunch, and were effectively bringing the mortgage loan market to a halt because of this. Continue Reading »

Most of us can hardly imagine a life any more without credit cards. More and more purchases are made over the internet, which require a credit card. Self-discipline is a must when using credit cards. It is very easy to just keep purchasing without regards for the steadily climbing credit card balance.A credit card in and of itself is not bad. It is how we use them. The most important credit advice is to have just one credit card, and have this one only be used for emergencies and for traveling. You would have to check with the issuer about any requirements for minimal use. Some credit card companies do not like it, if you never use their card. If you intentionally use your card once each month, and pay it off immediately, that should be fine.

If you are disciplined, you can get a card that rewards you with either frequent flyer miles or other products. You can then do all your shopping using that card. This way you also get a summary of all your purchases for each month. It is however vital, to fully pay off the balance each month. As you find yourself slipping and not paying off the balance monthly, unless there was an emergency, get rid of the card. Before you decide to sign up for a credit card, be honest with yourself about how you are with money and if there is a chance that you will accumulate a higher and higher balance. Also carefully check the conditions, rules and regulations of the credit card company.

Getting into debt is easy, but trying to break free from it, is quite a task. A borrower gets into a debt trap when he/she is unable to make repayments on time. It’s then added with the confusion that creditors create with tricky payment terms and hidden and outrageous fees. When you are in over your head, creditors take very little sympathy for you. They want their money, and they don’t care how they get it.
When you have severe debt, you can get a debt help by enlisting the services of a credit card relief service. Credit card relief services offer a way out. They can help paying off credit card debt and consolidate your credit card bills, tuition loans, and medical bills all into one monthly payment that you and the debt relief organization set together. Continue Reading »