Advanta Platinum Business Card

0% Intro APR* on Purchases and Balance Transfers for 12 months
No Annual Fee
Detailed Expense Management Reports
Free Online Account Management
Customized Card with Your Business Name
Business Credit Line Up To $50,000
$0 Fraud Liability
Personalized Card -- your company name at the top of the card* See Terms & Conditions

Annual Percentage Rate (APR) for Purchases and Balance Transfers: Prime plus 5.99% ; however, 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.
Minimum Finance Charge: If any finance charge is applicable: $1.
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.
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DID YOU KNOW?

	Refinancing your current mortgage is a wise financial decision if you can recoup the costs of a refi. An average refinancing deal, you can expect to pay between two and six percent of the loan amount if fees and points. On average if you can lower your interest rate by two points, then you will usually come out ahead in the end. Normal Mortgage Costs Refinancing your home is just like taking out your mortgage the first time. All the loan costs you paid for your original mortgage, you will have to pay again. Usually these had up to $2000 in fees plus at least one point. Fees will be included for application, appraisal, survey, attorney review, and title search. Besides the loan origination fee of 1%, you can also expect to pay a couple of points for lower rates. Points are flexible though. You can choose to pay no points for a higher rate, or a couple of points for lower rates. Base your decision on how cost effective points would be. Using an online mortgage calculator can help you figure the costs and savings of each option. Extra Fees For Refinancing Besides regular mortgage fees, you may get stung on a prepayment penalty or private mortgage insurance. Prepayment fees are prohibited on federally back loans, such as FHA or VA mortgages. Some states also limit prepayment fees. Check your current mortgage before deciding to refinance. You may also be hit by private mortgage insurance (PMI) if you decide to take out your equity. This can add up to several hundred dollars a year. But if you have a government backed loan, you don’t have to worry about this issue. How To Decide When you are trying to decide on whether to refinance or not, take a look at your loan and home goals. If you plan to stay in the home for several years, then you have the time to recoup costs. You can also request quotes from mortgage lenders to see what kind of deal you can get. With no commitment on your part, you can take a look at rates and points that are being offered.

The check cashing business is a fast growing financial service that offers customers the ability to conduct their banking transactions quickly and conveniently. Many people predict that check cashing services will replace traditional banking for many people in the future.

The check cashing business is an alternative to the traditional financial business and could be utilized by primary banking services in the business sector in the future. The service of cashing checks is now so much easier to use than it was before. “No hassle, No lines” could be the motto of this new service.

This fast-growing business has achieved its success by offering services such as low-fee check cashing to people who don’t have traditional bank accounts. This business now attracts many customers who have been taking risks by carrying cash everywhere around in the past. There are many stores, kiosks, booths, banks and other financial institutions around the nation that provide this service, and it is not only confined to physical dwelling-stores, but also e-Stores or Electronic Banking.

There are many rules and regulations that govern this business, one of which is that people who provide check cashing services must obtain a government license. This helps make sure that the people who provide this service are trustworthy and honest.

This service is beneficial to the customers as well as the financial institutions. According to the service providers, the cost of implementing this service is modest. It benefits the customers by offering services such as fee-based check cashing to people lacking traditional bank accounts. These fee-based check cashing services are provided at very low or at reasonable rate.