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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

How to Apply for Business Credit Cards as a Sole Proprietorship

Many business credit cards offer fabulous deals. Some of those deals are much better than those of consumer credit cards. But many people stop short of applying for business credit cards because they mistakenly believe that they need to run a corporation or LLC business to qualify for a business credit card. This is not the case. Anyone can apply for business credit cards even if they are not part of a corporation or LLC.

Why? Because an individual can be a business too. The type of the business is called a sole proprietorship, which is the simplest business entity. Sole proprietorship is completely legit and is recognized by the Internal Revenue Services (IRS). In a sole proprietorship, your name is your business name and your SSN is your business Tax ID. For example, you can be a sole proprietor if you are a self-employed CPA, or you are doing independent contract work for a company, or if you are just selling items through online sites like eBay or through garage sales.

When applying for a business credit card, you have to indicate your SSN and the Tax ID of the business, which you can simply put down your SSN for both fields. For the vast majority of business credit cards, even if you are part of a corporation or LLC, you will still be personally liable for business debts and credit card issuers use your own credit report to determine your qualification. That’s why they’ll always ask for your SSN. Once you have established enough business credit, your company will be recognized as a separate entity and your personal credit will not be as much of an issue.

For example, here is an example screen shot of applying for a business credit card. You can see that SSN is suggested as a valid option for the business tax identification number.

For most business credit cards, the credit card itself won’t show up in your personal credit report. This means that you can open many new accounts, max out the credit limits without affecting your personal credit score.

With many business credit cards offering attractive perks, don’t forget to check out those deals from time to time.

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