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Balance Transfer to Advanta Platinum Business Card Advanta Platinum Business Card


Advanta Platinum Business Card
Intro APR: 0%

 Issuer: Advanta
SUMMARY OF IMPORTANT ADVANTA BUSINESS CARD ACCOUNT TERMS
Annual Percentage Rate (APR) for Purchases and Balance Transfers Prime plus 5.99% ; however, for Balance Transfers only, introductory 0% for the first twelve billing cycles from the date your account is opened.
Other APRs Cash Advances: Prime plus 5.99% or Prime plus 15.99% .

Default: The higher of the account APR plus 3%, or Prime plus a Default Margin of 17.99%.
Grace Period for New Purchases 25 days from statement closing date, if new balance is paid in full in the manner and by the time of day on its due date as shown on statement.
Annual Fee None when you select any Cash Back reward program; $35 annual program fee when you select the Bonus Miles reward program.
Minimum Finance Charge None when you select any Cash Back reward program; $35 annual program fee when you select the Bonus Miles reward program.
Transaction Fees for Cash Advances and Balance Transfers Cash Advances other than Convenience Checks: 3% (minimum $5); Convenience Check Cash Advances: 3% (minimum $5; maximum $50). Balance Transfers processed during the introductory period: 3% (minimum $5; maximum $50).
Other Fees Late Payment Fee: $15 to $39 based on balance. Overlimit Fee: $15 to $39 based on balance. Returned Payment Fee: $20. Dishonored Convenience Check Fee: $20.

Advanta Business Cards are issued by Advanta Bank Corp., Member FDIC, pursuant to an Advanta Business Card Agreement. The Platinum BusinessCard is a MasterCard Executive BusinessCard. While the rates, indexes, margins, fees, and other account terms described here are typical of those recently offered and in effect on Advanta Business Cards and are expected to apply to your account, your account terms will be in every instance determined by us and reflected in your Card Agreement. Your Card Agreement also contains an arbitration provision, which replaces the right to have claims heard in court by a jury and also precludes participation in class actions. The terms of your account, including APRs, are subject to change in accordance with your Card Agreement, which you should read carefully and retain.





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It's a beautiful sunny Saturday, and you and your loved one are out driving with your realtor. She shows you a house; you immediately fall in love. But in the back of your mind, you worry. Will you be able to get a mortgage for this lovely place? Will the interest rate be too high? Many of your fears can be alleviated by checking and understanding your credit score.

The credit score rating scale is a perplexing numeric equation, and it can be daunting to comprehend. There are plenty of factors that influence the number, and every one of them can change the final result. The more you understand about this concept, the easier it is going to be for you to get the loan or mortgage you desire. Or, you can use this knowledge to make the high-priority repairs needed to repair your credit score faster.

How your credit score is tabulated

There are numerous figures that are reviewed by companies in order for them to form your credit score. They scrutinize your past payment history, how quickly you pay your debts and obligations, and how promptly you pay them. They give much credence to your outstanding obligations. If you are working with too high a debt burden, your credit score can be lowered. Credit agencies study how many years you have had your credit history. If you are newly starting to establish credit, your credit score may be mediocre, even if you do not show any bad points on your credit report.

Two additional significant factors for your credit score

Your latest credit card applications are an additional area that companies will delve into. If you show numerous credit applications on your report, this will be counted negatively on your credit report. You must also be concerned about what types of credit and loans you possess. You do not want to show a lot of overly large balances on your current credit history. These balances, along with higher-than-normal interest rates, are going to go hard on you and lower your number.

What is a good credit score?

Any score that is 700 or higher is counted as a very good score. If you possess a score of 700 or higher, you should see no obstacles to obtaining credit at a exceptional interest rate. A score of 650 and lower definitely has margin for improvement. A score between 650 and 450 needs to be worked on. You are going to most likely have a harder time obtaining a mortgage or any type credit without securing it. This entails that any advance that you apply for is going to require to have substantial amounts of collateral in place to get it. If you show a credit score of 450 or lower, then you desperately need to get some assistance with your credit situation. In that case, it is probable that you can not get any kind of credit or mortgage unless you get some type of counseling to repair your record.

Obtaining the assistance that you require

There is assistance ready for you when you are seeking help to repair your credit score. There are non-profit companies that can assist you with no cost credit counseling. They can propose to you ways to get your credit score increased, and aid you in becoming extra responsible in your monetary decisions. Obtaining this assistance now with your credit situation will get you on the road to recovery faster.

There is hope

If your credit score is low, or if you are turned down for a credit card or loan, do not be discouraged. You can improve the credit score number with diligent effort and some discipline. You can develop a plan to improve your score, then work that plan to make the changes you desire. Do not give up! Others have made changes, and so can you.


  • Transfer your balance to Advanta Platinum Business Card

  • In a BusinessWeek article titled, “Cap One’s Credit Trap,” writer Robert Berner explores how Capital One profits by lending to subprime borrowers and cashing in on high late and over the limit fees. His findings provide a disturbing insight into Capital One’s credit card business, and that of the credit card business as a whole.

    Capital One credit cards aren’t as funny as their television commercials make them appear. In fact, their no hassle rewards program seems ironically titled given the hassles Capital One credit cards caused one family. Over the course of four years, this family received seven Capital One credit cards with credit limits ranging from $200 to $700. With such low limits, it is easy to see how a very simple mistake could trigger an over the limit fee.

    For example, assume you’ve got a credit card with a $200 limit. You start by spending $140 on groceries and another $40 for a tank of gas. A few weeks later, you pull up at the gas station and fill your tank with $22 in gas. You’re now over the limit and the recipient of a $25 or higher late fee. Ouch. Now imagine doing that seven times. For the family mentioned in BusinessWeek, that is exactly what happened. With their balances mounting from over the limit fees, they became unable to keep up with payments. At one point, this couple was paying over the limit fees and late fees amounting to over $400 a month! This was more than the limits on many of their cards.

    While Capital One credit cards were singled out in Berner’s article, many other credit card companies engage in similar practices. As consumers, it is important to know as much as possible about the Terms and Conditions linked to our credit cards. For those with marginal credit, just getting a credit card can be an important step in improving credit scores. But with low limit credit cards, the chances of going over the limit and getting hit with high fees increases tremendously.

    Ultimately, it is our responsibility to manage our credit wisely. Otherwise, credit card issuers will not hesitate to take as much money out of your wallet as possible.


  • 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.