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Buy Now and Pay Later with 0% APR Credit Cards

  Use 0% APR Credit Cards to Make Purchases Now and Pay Later If you are need extra cash to make a big purchase, you may use a 0% APR credit card to buy now and pay later.  Credit cards with 0% intro APR  allow you to charge a purchase to your credit card now and pay off the credit-card balance over time without incurring interest or fees, as long as you make the  minimum payments  every month. At this time, many credit cards offer 0% introductory APR on purchases for 12 months or more. If you are short of cash for an expensive purchase, you can open a new credit card with 0% intro APR to enjoy the buying power now. After that, you can just make the minimum payment each billing cycle to avoid finance charges and pay off all the remaining balance at the end of your 0% introductory period. In this way, a 0% APR credit card not only helps you afford the purchase, but also helps you save money by paying no interest for a long time. Best 0% APR Credit Cards on Purchases Choose from one of t

Apply for licenses and permits

Federal licenses and permits

You'll need to get a federal license or permit if your business activities are regulated by a federal agency.

Check to see if any of your business activities are listed here, and then check with the right federal agency to see how to apply.

Requirements and fees depend on your business activity and the agency issuing the license or permit. It's best to check with the issuing agency for details on the business license cost.
Business activityDescriptionIssuing agency
Agriculture
If you import or transport animals, animal products, biologics, biotechnology or plants across state line.
Alcoholic beverages
If you manufacture, wholesale, import, or sell alcoholic beverages at a retail location.
Aviation
If your business involves operating aircraft, transporting goods or people via air, or aircraft maintenance.
Firearms, ammunition, and explosives
If your business manufactures, deals, or imports firearms, ammunitions, and explosives.
Fish and wildlife
If your business engages in any wildlife related activity, including the import or export of wildlife and derivative products.
Commercial fisheries
If your business engages in commercial fishing of any kind.
Maritime transportation
If you provide ocean transportation or facilitate the shipment of cargo by sea.
Mining and drilling
If your business is involved in drilling for natural gas, oil, or other mineral resources on federal lands.
Nuclear energy
If your business produces commercial nuclear energy, is a fuel cycle facility, or is involved in distribution and disposal of nuclear materials.
Radio and television broadcasting
If your business broadcasts information by radio, television, wire, satellite, or cable.
Transportation and logistics
If your business operates an oversize or overweight vehicle. Permits for oversize and overweight vehicles are issued by your state government, but the U.S. Department of Transportation can direct you to the correct state office.

State licenses and permits

The licenses and permits you need from the state, county, or city will depend on your business activities and business location. Your business license fees will also vary.

States tend to regulate a broader range of activities than the federal government. For example, business activities that are commonly regulated locally include auctions, construction, and dry cleaning, farming, plumbing, restaurants, retail, and vending machines.

Some licenses and permits expire after a set period of time. Keep close track of when you need to renew them — it's often easier to renew than it is to apply for a new one.

You'll have to research your own state, county, and city regulations. Industry requirements often vary by state. Visit your state's website to find out which permits and licenses you need.

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