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Balance Transfer to Starwood Preferred Guest Business Credit Card Starwood Preferred Guest® Business Credit Card


Starwood Preferred Guest Business Credit Card
Intro APR: 2.9%

 Issuer: American Express
ADDITIONAL STARWOOD PREFERRED GUEST BUSINESS CREDIT CARD BENEFITS
Turn Starpoints into miles with over 30 frequent flyer programs3
Complimentary enrollment in the Starwood Preferred Guest program
Fee-free Additional Cards for employees — earn Starpoints on the business purchases they make4

OPEN FROM AMERICAN EXPRESS
OPENSM the small business team at American Express is all about small business. It provides you the resources to help you run your business, including:
Financing
Get unlimited fee-free Additional Cards, 2.9% APR for purchases in the first six months, and pay no annual fee.

Savings
Save at AT&T, FedEx, Hertz®, 1-800-FLOWERS.COM® and more by using your Business Card and see the savings on your statement. No coupons or codes are needed and the savings are in addition to other discounts your business may already receive.5

Online management
Manage your account with Summary of Accounts and track charges with Expense Management Reports.

Community
Chat, pose questions, get insights from other small business owners, and attract new business.

Advice
Ask an expert a question, use an online tool, and read articles by other business owners.





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What Are Debt Consolidation Loans?

Whenever you have outstanding debts, bad credit, and falling credit score, you can combine all your loans and debts into one, and pay it off with a loan; loans like these are termed as debt consolidation loans. Let us take an example, if a person has a personal loan of $15,000, a credit card balance of $3,000, and a home loan of $45,000. All of these loans, or debts, can be combined into a loan amount of $63,000. The lenders, who lend out debt consolidation loans, pay the outstanding balance that you owe to your old lenders. In return, you have to pay back just this one lender instead of many different ones.

Your debts are considered to be consolidated when you need to make just one payment in a month. People usually go in for debt consolidation loans because they are not interested in paying high interest rates. Another example in this case would be the high credit card interest rates that you have to pay that range somewhere between 15 to 25 percent. The interest rate on debt consolidation loans is definitely lower.

Some advantages

In the case of debt consolidation loans, the amount that goes into your monthly payments is lower and the rate of interest that you are supposed to pay is much lower. This seems like a dual advantage that you could get. You get debt consolidation loans for an extended period of time. The mode of repayment is very comfortable and easy. Many people include their unsecured debts under the debt consolidation loans.

There are many benefits that you can avail by taking debt consolidation loans. You do not need to worry and fret over multiple payments and bills, and get confused about the payments. With debt consolidation loans, you can get a clear understanding of what you are supposed to pay every month as there is a single installment. The interest rate on the debt consolidation loans is fixed, so you do not need to worry about any variability in the interest rates.

Debt consolidation loans are a good idea, where you do not need to worry about multiple payments. The pattern of your monthly payments gets easier and the paperwork required for the consolidation of all your loans gets minimized. You would not be required to sign many checks like you must have done when making separate payments. You can allocate an amount from your salary to pay the monthly installment of your debt consolidation loans. In this way, it is easier to plan out your budget and save more money.

Debt consolidation loans can be availed by one and all. They can be made available to the self-employed, businessmen, and salaried people. In fact, there are many lenders who lend the loan amount to people, without making any credit checks on them. The only hitch in this case is the high interest rates.


  • Transfer your balance to Starwood Preferred Guest® Business Credit Card

  • What’s the real reason behind bankruptcy? Are easy credit cards to blame? Good enough, credit after bankruptcy can be rebuilt over again once a debtor receives his discharge. Yet, it could still take several years before one can get back decent interest-rates on a credit card, mortgage, or car loan, and debtor cannot spoil credit after bankruptcy – not this time. It could take another 8 long-years before a person can file for another personal bankruptcy.

    There’s a good reason why the current bankruptcy law requires filers to undergo a financial-management or credit-counseling course. This rule not only places emphasis on debtors avoiding bankruptcy, but also helps debtors learn how to manage their credit and debt in the future. The bankruptcy record could stay in a person’s credit statements until 10years; and if the ex-bankrupt ever wishes to buy a $150,000-house or get a $75,000-job then the bankruptcy note could hang about for the record, and with the up-to-date record-keeping technologies used by credit-agencies, the bankruptcy record could settle – forever. So what else could be done about credit after bankruptcy?

    It’s still possible to get credit again. (If someone’s that good in filing bankruptcy then he must also be good with credit.) Banks and mortgage or credit institutions have become better at cooperating with people who have gone through a personal bankruptcy. They now hand ‘secured’ credit cards that the debtor (with deposit and guarantee) can use to begin his process of credit restoration. Within as-little-as 2 years banks can start giving regular credit again. It can’t be tarnished though. This time it’s a ‘secured credit’ – difficult for a next bankruptcy. The debtor must now ensure that his credit card billing-statements include information on how long it takes to pay off the credit card balance at a certain interest-rate if making only minimum payments. A credit card is still one of the tools that can be used in the creation of a financial future.

    Any transfer of financial capital is quite dependent on credit, and this in turn is dependent on the reputation or creditworthiness of the holder who takes responsibility for the funds. Credit after bankruptcy is especially helpful (like loans) in building a positive financial history anew. Credit cards can enhance the debtor’s ability to receive a private loan, buy a car, rent an apartment, get a job, and eventually try to buy a house. It also holds the advantages of securing emergencies and cash backs. Above all, it gives the holder an enhanced personal responsibility and independence.

    Yes, credit can grant loans, yet it can also give debts. The time to worry about debts is now! Re-building credit after bankruptcy is a must. Re-build, cut, save, stick with. You don't want to end up in the same situation and have to file bankruptcy after rebuilding your credit.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.