Track Credit Card

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Credit Suite provides you with an easy to use, turnkey system where you can get business credit and business loans for your business as well as offer business credit and financing directly to your customers. Through our Finance Suite you and your clients can obtain money for their business quickly, and build a business credit profile and score for their business so they can secure even more money with no personal credit check or guarantee. You can help clients gain access to the money and credit they want and need, and earn thousands-of-dollars with each sale in the process.

Hi besties! Tracking your bills is not always easy most especially when you are a busy person that you can't find enough time to do it. Fortunately, there are some apps that you can use to make the process easier. Z! Go get the apps! I love getting the apps. First, Finovera from Amanda. This is a new tool that you can use in organizing and managing your statements, bills and important documents. To use it, you simply need to enter your financial accounts for your credit cards, banks, phone providers, utilities, investments, loans and more. Finovera will then retrieve your bills and will send you alerts when they are due. Next, EasilyDo. This is from Sam and it helps save your time, while at the same time, making you more productive. With it, you can set reminders to pay your bills, file receipts and clean out expired deals or coupons from your email. Next, Doxo. This is suggested by Evan and it can be used as a desktop or mobile app. With this, you can connect with your service providers like finance, healthcare companies, insurance, utilities and more. You can also use it to save all your account information and of course, to pay your bills. Next, Mint and this is from Tina. You can use it whether you have a tablet, PC or smart phone. This provides an easy way of viewing your financial accounts and creating and sticking to your budget. It automatically categorizes, organizes and analyzes every expense and then will provide a personalized way on how you can save as well as track your bills. Last, BillGuard. This is from David Bakke and it allows the easy creation of accounts. It works by checking your connected debit and credit cards for grey charges, hidden fees and billing errors. When an error is noticed, it will send you an email. Tracking your bills is important for a business. Make sure that you will consider these apps. And, if you have just started your business, make sure you grab your free failure report from richmombusiness.com/NewBestie. This report features the top 10 reasons new businesses fail within the first few years. Luv you all! Peace out yo!

A credit card can be a terrific tool for conveniently making purchases, building your credit score, or earning perks. But mismanaging credit cards can get you into trouble. If you're a new credit card user, think about the following "do's" and "don'ts" for managing your credit card. Let's start with the "don'ts": First and foremost: avoid late payments. Even if you can't pay the minimum, always pay something. Missing payments leads to fees, higher interest, and worse credit scores. Next, avoid paying only the minimum amount each month. If you pay only the minimum, and you continue to make new charges, you will see your debt can quickly get out of control. While you may be tempted by high credit limits, you should avoid maxing out your credit cards. Not only is a high balance harder to pay off, it hurts your credit score. Cards generally allow for cash advances, but you don't want to use this too often. Interest rates for these advances are often much steeper. You may also receive convenience checks from your credit card company. Be sure to carefully review the terms of these before you cash them, as they may have similar terms to a cash advance. Now let's consider some of the "Do's" for managing a credit card First, be sure to take advantage of any digital tools that can help you manage your card like automatic bill payments online, or balance alerts Next, keep an eye on your credit utilization. This is the amount of your available credit that you're using. For example, if you are approved for $10,000 and you've borrowed $1,000 your credit utilization is 10%. Low credit utilization - under 30% - is good for your credit score. Finally, take advantage of credit card benefits, which can include cashback offers, points, or extras such as warranties, insurance, or even purchase protections. Put these tips to use and you'll be a much smarter credit card user. And if you have more questions about credit cards, give us a call at Robins Financial Credit Union, so we can answer your questions and explain the terms and the benefits of our VISA Rewards Platinum Card. For more information, call, click, or visit any of our branch locations.