Balance Transfer Credit Cards – How To Evaluate 0% Interest Credit Card Offers


Nowadays the name of the game is accepting credit card transactions. To make this possible, you need to apply for merchant account. There are a lot of banks and financial institutions that are willing to provide services like credit card processing merchant accounts. The internet is a place where you can find different providers where you can compare different deals including the price. Choose a term that is based on the needs of your business. It is also best if you can consider the interests of your clients as well. They actually want an easier way to pay using their credit cards.

This is especially true for merchants who are on 3-Tier and Enhanced BillBack pricing. Processors are not compelled Credit Card Processing by law to reduce the rates. They are only reducing one component of your rate, Interchange, but not the other two components, Visa/MasterCard assessment and the processor’s percentage.

Today you can get your statements online via e-mail. Not only is it convenient and practical option – because you always get the card bill on time, is also environmentally friendly because it saves paper. E-statement is also a safer option, because thieves can not steal your online advertising – as long as your computer is equipped with the latest anti-virus and anti-spyware programs.

For example, if your business has an average transaction of less than $15, you may qualify for the small ticket program. If you are paying 1.64% $0.25 per transaction now, then under the small ticket program you could get your rates as low as 1.65% $0.04. Now your processor will probably tack on another six cents to cover its costs. Still, you would save fifteen cents a transaction or 1.5% on a $10 transaction.

Nobody likes to hear “no”. It is important to not internalize a “no” and interpret it as a personal failure. Confidence is a fundamental part of sales; don’t start doubting yourself because you are used to hearing “no.” Not every sale can end up a home run. Fortunately, merchants who say no still might very well offer you a referral or two.

So how do you accomplish that since you’re not in the Microsoft Dynamics Credit Card Processing processing business? Simple. You make sure the company you hire to provide your merchant services has an unblemished record for providing safe, secure transactions.

Now that your monthly minimum payment is lower, don’t be tempted to spend more or open another “emergency” credit card account, or you’ll find yourself deeper in debt than when you started!

By knowing what you will be using your card for, and by doing your research before choosing, you should be able to rest easy knowing that you have chosen your credit card wisely.