Tips Guides

DO find out what companies are in your area before you choose a payday loan lender. They can vary in fees, reliability and customer service. If you decide to find a lender online, make sure they are based in your country.

Companies that don’t reside in your country are not held by the laws in your country and you might find yourself in a situation you’d rather avoid.

DO compare companies. Line them side by side on the computer so you can see clearly what they offer and what their guidelines are. If you are going to a store front then I suggest calling a few different places and getting all the same information to compare.

Questions you might ask are as follows: How much do you charge for every $100 borrowed? Do you have a minimum and maximum borrow amount? What is your policy for rollovers or extensions? What are your fees for a late or missed payment?

DO take with you your proof of income for a couple of months and proof of a bank account. If you want the funds direct deposited they will need to have proof of a bank account.

DO realize that this is meant to be a short term loan only. Don’t take it if you can’t pay it back within a few weeks time. This is meant to help you till your next payday.

DO feel good knowing that if you have no credit, or bad credit, that you most likely will still be approved. If they pull your credit, it is only for information.

DO visit the Better Business Bureau website to make sure the company you are thinking about using is in good standing.

DO bring your bank information with you to allow them to pull the money from your account the day you get your paycheck deposited. This can save a lot of hassle in trying to pay it yourself or make multiple payments.

DO learn what the laws are in your particular state or country and make sure the lender you choose is adhering to them.

DON’T just sign on the line without asking questions. Be sure you know what your entire contract consists of before you sign.

Clarify everything with the representative. Make sure you both are clear on when you are going to pay back the loan and ask any other questions you might feel relevant to the situation.

DON’T get into the habit of using this money because you need it for every day things. These loans are meant to be short term and for urgent matters that can’t wait till payday.

If you get these loans all the time, you will be paying much more in fees that you would if you went to a traditional lender and got a bigger, long term loan.

DON’T feel pressured by any salesperson. If they sales person doesn’t treat you like a valid person with valid concerns and issues, then walk away. They usually are trying to get your money and care about you.

Sometimes they do this when they are not legitimate companies and they are out to con you. Sometimes they just don’t want you to change your mind or go somewhere else. A confident lender is a good lender.

DON’T make late payments! Some companies charge steep fees for late payments. Communicate with your lender the minute you think you are going to have a problem making your payment.

DON’T think that every company is alike. The industry is pretty standard, but each company will do things just a little bit differently.

These loans can be very useful when you are in a time of need. These simple tips and tricks will keep you informed and in control when applying and receiving a payday loan. Remember to be a smart consumer and research information before making decisions and spend your money wisely.

Michael New Jr. is an authority in the financial industry. He has written hundreds of articles relating to consumer services and Payday Loans.

Contact Info:
Michael New Jr.
(866)294-4672
miken@checkcity.com
http://www.checkcity.com

Some cards offer the neatest options to you the user, things such as rewards, bonus points, specials on travel and of course cash back. SimplyCash is one of the sub-brands of American Express that offers cash back on purchases such as business expenses, gas, office supplies, and wireless services!

SimplyCash is also a part of another network called Open Network which allows you to get additional savings from specific companies such as Hertz car rental, Jet Blue Airlines, Fed Ex deliveries, Delta Airlines and Gateway electronic products. This seems like it would be a really good card for a business or a person that travels a lot.

And here are some other business type credit cards from American Express as well:
The Gold Card -
no annual fee
rewards program
redeem points for things like travel, merchandise, office equipment and more
save 3-25% on business purchases

Blue Cash for Business -
5% cash back
no annual fee
0% intro APR for 12 months
little balance transfer rates
express approval

Advanta Platinum BusinessCard with Rewards -
0% APR for 15 months
7.99% variable APR
up to 5% cash back on business purchases
no annual fee
no limit on earnings
personalized card

If you take a look at some of the business cards available, some of them will have (SM) next to the card or in the card information area. This is the acronym for Small Business which allows you to see what cards are good for large businesses or small businesses or businesses in general.

These cards will have a lot of the options above like percentages off on business purchases or business travel, or cash back rewards on these items. Business purchases could include items such as laptops, computers, printers, fax machines, telephones, and copiers as well as office furniture and filing cabinets.

If you would like more information on the SimplyCash credit card or any any America Express credit card please visit the following sites:

AmericanExpress/Business
Wikipedia
Amex
Google
Credit Cards
Credit Card Guide

I have always really liked guides or comparison sites because if you’re a person like me, and don’t have time to waste on silly things, then the guides can quickly help you figure out the best card. These cards allow you to search by brand name, card name, bank name and type of card such as low APR, bad credit, no credit as well as business card, personal card and travel card.

You can also take a look at these household brands as well:

Mastercard Citi Diamond Preferred Card
0% APR* on balance transfers and purchases for up to 12 months
Citi Identity Theft Solutions
$0 liability on unauthorized purchases
Secure, free online account management
Balance transfer fee applies with this offer
No annual fee

Visa Capital One Platinum Prestige
Rest easy with an outstanding, low rate for customers with excellent credit
7.9% APR on purchases and balance transfers
Your APR will not increase simply because you pay late only once or go over your credit limit
Consolidate balances and save money when you transfer higher-rate balances
No annual fee and no balance transfer fees

Discover Open RoadSM Card
Save at the pump and everywhere else*
0% Intro APR for 6 months on purchases, and 12 months on balance transfers
5% Cashback Bonus on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
No annual fee

This author is a huge fan of Simply Cash

Many of us use credit cards on a daily basis, but what “gold card” is the best card for you? How can you compare cards? American express is one of the most popular brands of credit cards in the world. They have all sorts of different cards for small businesses, businesses, personal and travel. These cards all offer something different for the user. For the travel ones for example, they usually will offer things like rewards programs that will allow you to earn points for every dollar you spend. Business or small business cards will usually allow you to get certain percentages off of things for your home office or corporate office such as office supplies, car rentals, gas, etc.

Some of the gold cards that American Express offer are The Gold Card Small Business, Gold Delta SkyMiles Business, and SimplyCash Business Card. The following stats allow you to see some of the options that these three cards have, such as intro APR, annual fee and any added extras such as points, cash back or rewards:

The Gold Card (SM) -
Earn up to 40,000 bonus points in one year - enough for one domestic round trip airline
Points have no expiration date
No annual fee for the first year
No pre-set spending limit
Redeem points for things like travel, merchandise, office equipment, and gift cards
Save 3-25% on purchases at companies like FedEx, Delta, Hertz and more

Gold Delta Skymiles Business card -
Get 15,000 points with first purchase
Save 5% on all delta flights
One mile for every dollar you spend
Save 3-25% on purchases at place like FedEx, Hertz and more
No annual fee
Start redeeming at just 10,000 miles

SimplyCash Business card -
Earn 5% cash back on office supplies and wireless services
Earn 3% cash back on auto gas purchases
Cash back is automatically credited each month
0% intro APR for 12 months on purchases
No annual fee

If you are looking for more information on Amex cards or would like to compare cards to find the right one for you, please visit the following sites:

American Express
Wikipedia
Amex
Google
Credit Cards
Credit Card Guide

Of course American Express is the official site for all the cards they offer. Wikipedia is a great place to find information about Amex such as financial information, stock information and the history of Amex. CreditCards and CreditCardGuide are both comparison type sites. You can search directly for the card you want, or search within sub categories such as brand, bank, type of card; personal, travel, business, or other things like low credit, no credit, low APR, rewards, cash back, bonuses, etc.

You can also take a look at the following credit cards:

Mastercard Citi Diamond Preferred Card
0% APR* on balance transfers and purchases for up to 12 months
Citi Identity Theft Solutions
$0 liability on unauthorized purchases
Secure, free online account management
Balance transfer fee applies with this offer
No annual fee

Visa Capital One Platinum Prestige
Rest easy with an outstanding, low rate for customers with excellent credit
7.9% APR on purchases and balance transfers
Your APR will not increase simply because you pay late only once or go over your credit limit
Consolidate balances and save money when you transfer higher-rate balances
No annual fee and no balance transfer fees

Discover Open RoadSM Card
Save at the pump and everywhere else*
0% Intro APR for 6 months on purchases, and 12 months on balance transfers
5% Cashback Bonus on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
No annual fee

This author is a huge fan of American Express Gold Card

First and foremost, Chase is one of the top brands of credit cards to even bother applying for. Not only do they have really great options and benefits for you the user, but they also have a ton of different cards so you can make sure you apply for the perfect one for your needs. This brand of card offers airline rewards cards, hotel rewards cards, retail rewards cards, gas rewards credit, point rewards cards and much more. Some of the things you have to look forward to with any Chase card is rewards program, points you can spend like cash and no annual fee, etc.

It also offers other things besides credit cards such as banking options, business solutions, investment programs, insurance and personal lending programs. Personally this is a good thing because they don’t just specialize in credit cards like a lot of other brands, they also offer more professional services as well. If you are looking for a company to put your trust into, this would be a good place to start! Here are a few credit cards offered by Chase including the featured Chase Freedom Platinum Visa Card!

Chase Platinum Visa -
0% intro APR
no annual fee
interest-free grace.
Online account access
auto rental collision damage waiver

Southwest Airlines Rapid Rewards Visa Signature -
earn 8 credits after your first purchase
earn Double Reward Dollars on SW Airlines flight purchases, SW Airlines Vacations package purchases, Preferred Hotel and Rental Car Partner Purchases
earn 1 reward dollar for every dollar spent

Chase Freedom Visa Signature Card -
earn three points per dollar spent
earn one point per dollar spent
no annual fee

Chase BP Visa Card -
earn 5% at all BP locations
earn 2% on all eligible travel and dining purchases
earn 1% rebate on all other purchases
for every $25 you are earning rebates, redeemed for BP gift cards, or checks made payable to you for a donation to the conservative fund

If you would like more info on one of these credit cards or you would like to compare or apply please visit the following sites:

Chase
Wikipedia
Google
Credit Cards
Credit Card Guide

Credit card comparison sites are really neat because they are genuine time savers. Just like a product shopping comparison site, you can choose different cards to take a look at either by brand, bank, options, or type of card such as low credit, no credit, low APR, etc. They are really user-friendly so take a look at these sites if you really want to find the best card for yourself or your business!

You can also check out these similar but different brand name cards as well:

Mastercard Citi Diamond Preferred Card
0% APR* on balance transfers and purchases for up to 12 months
Citi Identity Theft Solutions
$0 liability on unauthorized purchases
Secure, free online account management
Balance transfer fee applies with this offer
No annual fee

Visa Capital One Platinum Prestige
Rest easy with an outstanding, low rate for customers with excellent credit
7.9% APR on purchases and balance transfers
Your APR will not increase simply because you pay late only once or go over your credit limit
Consolidate balances and save money when you transfer higher-rate balances
No annual fee and no balance transfer fees

Discover Open RoadSM Card
Save at the pump and everywhere else*
0% Intro APR for 6 months on purchases, and 12 months on balance transfers
5% Cashback Bonus on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
No annual fee

This author is a huge fan of Chase Freedom

Thanks to consumers like us, American Express has capitalized on the trust we put into them, majorly. I dont think I know one person who doesnt own an American Express card! This is good for them but good for us as well. Obviously so many people have their cards because they are incredible benefits as well as great customer service. Im sure we can name a few “brand name” companies we have bought stuff from and the customer service is just horrid, right?

Well American Express just doesnt work like that. They do their best to provide people with a large array of cards to fit their lifestyles as well as the best service they can. Some of the cards they offer are business cards, personal cards and travel cards. These cards provide things like cash back, rewards, no annual fees etc. One of the coolest cards American Express has out is a Blue card. This card offers a lot of different options and can benefit you the user greatly. Blue offers things like:

Low APR on purchases for up to 15 months
low APR for balance transfers
allows you to enroll in the membership rewards express program
no annual fee
flexibility to pay overtime or in full

And of course you can still take a look at the other two major cards American Express offers which include the preferred rewards green card and the preferred rewards gold card. These cards also allow you to have really great options and benefits including:

Preferred Rewards Green Card -
no annual fee for first-year
built in rewards program
exclusive cardmember vacation offers and travel benefits

Preferred Rewards Gold Card -
no annual fee for first-year
built in rewards program
all of the benefits of the preferred rewards green card and more
Gold card preferred seating get advanced access to tickets for shows, concerts, and events

If you are looking for more information on Amex cards or would like to compare cards to find the right one for you, please visit the following sites:

American Express
Wikipedia
Amex
Google
Credit Cards
Credit Card Guide

Comparison “credit guides” are really nice because you can search out the exact type of card you are looking for such as brand of card, bank name, type of card, or category the card is in. For example, say I want an American Express that is good for businesses, with a low APR. Well I can clearly see the best cards ranked within those search terms. So, if 5 cards show up, they are all lined up so you can see the different things they offer such as points, cash back, rewards, APR, etc. These sites also allow you to apply. All you have to do is click the “apply now” button and it will take you to the American Express sites for the application!

You can also check out these similar but different brand name cards as well:

Mastercard Citi Diamond Preferred Card
0% APR* on balance transfers and purchases for up to 12 months
Citi Identity Theft Solutions
$0 liability on unauthorized purchases
Secure, free online account management
Balance transfer fee applies with this offer
No annual fee

Visa Capital One Platinum Prestige
Rest easy with an outstanding, low rate for customers with excellent credit
7.9% APR on purchases and balance transfers
Your APR will not increase simply because you pay late only once or go over your credit limit
Consolidate balances and save money when you transfer higher-rate balances
No annual fee and no balance transfer fees

Discover Open RoadSM Card
Save at the pump and everywhere else*
0% Intro APR for 6 months on purchases, and 12 months on balance transfers
5% Cashback Bonus on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
No annual fee

This author is a huge fan of ApplyBlue

Everyone nowadays has a credit card or five for that matter. There’s so many different ones to choose from with so many different options and benefits. So, which one is the best one for you? How can you find out more information on these cards? American Express or Amex is one of the most popular brands of cards out there. In fact, they have been named the 74th largest company by Fortune Magazine they also have been named most valuable brand in the world, estimating the brand to be worth US$20.87 billion!

American Express offers all sorts of cards for small businesses, travel and personal expenses. A few of the cards offered are listed below along with some important points you will be interested in. Take a look!

Gold Delta Sky Miles Credit Card
earn up to 17,500 bonus miles
always double miles
no annual fee
express approval

The Gold Card
business ownership has become more rewarding
40,000 bonus points in one year
points have no expiration date
no limit to the number of points you can earn
no annual fee
save three to 25% on business purchases
redeem points for travel, merchandise, office equipment, and gift cards

Business Green Rewards Card
receive 5000 bonus points in your first purchase
one membership point for every dollar you spend
no annual fee for the first year
redeem points for travel, merchandise, office equipment, and gift cards

Hilton H Honors Platinum Credit Card earn 10,000 on her bonus points after first purchase
earn 15,000 points after you spend $5,000 in five months
earn 10,000 points over the course of your first four stays at any Hilton family hotel
receive five bonus points for each dollar spent at Hilton Hotels, supermarkets, drugstores, gas stations, dining establishments and more
get three bonus points for every dollar you spend
no annual fee
express approval

American Express literally offers every card you could ever possibly want or need in this lifetime or the next. If you are looking for more information on Amex cards or would like to compare cards to find the right one for you, please visit the following sites:

American Express
Wikipedia
Amex
Google
Credit Cards
Credit Card Guide

Comparison card sites or “credit guides” are really nice because you can search out the exact type of card you are looking for such as brand of card, bank name, type of card, or category the card is in. For example, say I want an American Express that is good for businesses, with a low APR. Well I can clearly see the best cards ranked within those search terms. So, if 5 cards show up, they are all lined up so you can see the different things they offer such as points, cash back, rewards, APR, etc.

These are really nifty sites also because they have “apply” buttons right now the card you chose which takes you right to the manufacture website where you can apply. Very user-friendly indeed!

You can also check out these similar but different brand name cards as well:

Mastercard Citi Diamond Preferred Card
0% APR* on balance transfers and purchases for up to 12 months
Citi Identity Theft Solutions
$0 liability on unauthorized purchases
Secure, free online account management
Balance transfer fee applies with this offer
No annual fee

Visa Capital One Platinum Prestige
Rest easy with an outstanding, low rate for customers with excellent credit
7.9% APR on purchases and balance transfers
Your APR will not increase simply because you pay late only once or go over your credit limit
Consolidate balances and save money when you transfer higher-rate balances
No annual fee and no balance transfer fees

Discover Open RoadSM Card
Save at the pump and everywhere else*
0% Intro APR for 6 months on purchases, and 12 months on balance transfers
5% Cashback Bonus on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
No annual fee

This author is a huge fan of 800TheCard