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.

However, it is strongly recommended that a student sticks with one credit card  to avoid the risk of over spending. First, having multiple credit cards may encourage more spending, since the student can always charge it to one or the other, and pay at a later time. Second, managing different accounts can prove to be difficult especially if a student has incurred a balance on each of them. Also, paying off his/her debts can become a burden and if he/she fails to pay on time, the student will be charged with additional fees on interest rate and late penalty charges. All these trouble can be avoided by focusing on just one credit card.

And last but not least, avoid the bad credit trap will depend on your the student’s spending habit. Before charging purchases to the student credit cards, see to it that the student will be able to pay on time. Be a smart student. Always remind yourself of the possible consequences. And if you’re not certain whether you can pay on time, then do not charge it on your credit card.

There are many different small business credit cards out there, and it is essential that you be very careful in which one you choose. Also, you need to make sure that you can afford to get a business credit card or several business credit cards before you actually sign any papers. It is important that you shop around and find the business credit card that is the best for you and your own situation.

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.

He said: “Lenders do not seem to be in the business of lending any more. They are the ones who lent irresponsibly and now the public and our industry are paying the price.” However, banks continue to predict that it will take years for the mortgage market to recover because of the credit crunch, and this has been backed up by the gpvernor of the Bank of England, Mervyn King, who has predicted that it could take up to ten years for the mortgage market to get back to normal.

An economist from the British Chambers of Commerce said: “The Government must adopt pro-active policy measures aimed at countering the threats to growth. Public finances remain stretched. There are large current deficits and excessive levels of total borrowing.” He added: “Recent tax changes have undermined business confidence and they will face a difficult and risky climate over the next year.”

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.