BoatU.S. WorldPoints Platinum Plus Visa

Card issued by Bank of America, N.A. (USA)
Earn 1 point for every net retail purchase dollar spent and redeem your points for travel, merchandise, gift certificates, and cash§
Access to the MyConciergeSM service, a unique personal assistance service**
Absolute fraud protection against unauthorized use, online and offline
No annual fee

A flexible and unique rewards program that puts you first. Select from cash back, travel, merchandise or personal services that are yours for the picking.

BoatU.S. Platinum Plus® Visa® Cards.

• No annual fee
  
• Absolute fraud protection
  
• Online access and 24-hour service
  
• Access to the MyConciergeSM service, a unique personal assistance service
  
• Introductory 0% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.* (subject to a 3% transaction fee, no less than $10)
  

DID YOU KNOW?

	Homeowner loans are loans that are given to homeowners against the security of their house. They are Secured Loans and can result in the repossession of the house if not repaid. When you are in a need for money, a homeowner loan can help you to release the capital that is tied up in your house. It is a better option than selling your house because with rising property prices, it will be difficult for you to buy a new house. If you have taken out a Homeowner Loan and the value of your house increases, you can take out a home equity loan against this increased value. A Homeowner Loan can be used to buy a second house. There are several other uses of a homeowner loan. You can use it to finance your business. It can fulfill both short term and long term business needs. A homeowner loan can also be used to consolidate your debt. Since it is a low rate Secured Loan, it is ideal in repaying high rate unsecured loans and unpaid credit card bills. It can also be used for home improvement. Here, it will act as a double edged sword. On one hand, it will help you renovate your house and on the other hand, it will increase the value of the house. There are several benefits of homeowner loans. Just like any other Secured Loans a homeowner loan carries a low rate of interest. Because it carries less risk for lenders, they offer low rates of interest and flexible repayment terms. The loan period can be adjusted in accordance with your requirements and financial position. By spreading your loan repayment over a long period of time, the amount of your monthly payments can be reduced. A homeowner loan is a boon for people with a bad credit history. Lenders ask for a security before they grant a bad credit loan. A secured loan reduces the risk for the lender. A homeowner loan is ideal for those who have a bad credit score because it carries a low rate of interest. With so many benefits, there is every reason to take out a homeowner loan when you are in a need for money.

Accepting credit card payments online is easy when you ensure that your lender supports a merchant account gateway. The way it works is that your company applies for a merchant account. If accepted, the lender helps you to set up a Website that accepts customers’ credit card payments and communicates with a gateway. The lender works with a gateway system to process the credit card payments and transfer them to your company account. Although this process may seem complicated, it’s really pretty simple. All you need do is find a company that will offer you a merchant services account and help you set up the required Website.

Finding a merchant account gateway can be handled with the help of the lender, who works with many types of gateway systems. You just have to make your Website link to the gateway so that the merchant account provider can channel through credit card payments. You may know of a gateway system you would like to use based on the reports of colleagues or recommendations of a lender. Otherwise, your account provider can suggest a system to use. If it doesn’t work out, you may be able to switch later. The important thing at first is to put all the pieces in place so that they fit together to create a seamless flow of credit card income.

As may be expected, the merchant account gateway system requires an assortment of fees that are imposed by the account provider. Typically, these include the gateway fee, which could run on average about 35 cents per transaction. The merchant account bank may collect another 2.40% for each transaction. Your bank probably won’t require additional fees for deposits, and you may not have to pay a fee to have the Website set up and maintained. However, these latter two non-fees are negotiable, along with others, so it is important to talk to your merchant account provider to get a clear idea of all costs before you sign up for this account. You also need to check whether you will be billed for these costs or whether they will be deducted from your account each month. Some accounts include a minim number of transactions, so that the fees can go higher if you have fewer transactions than expected, or it could go lower if you exceed the expected number.

A successful merchant account relationship with your lender can lead to many potential benefits for your company. You can offer more products and services at your Website, along with additional features to attract new clients. A few Web-savvy marketing tips can grow your customer base in a relatively short span of time. But you will need to apply for a merchant account, have your application accepted, locate a gateway that is integrated with your merchant account provider, and streamline the processing system to identify glitches and fix them before the Website becomes operational. Get in touch with your business lender or a new financial provider to learn more about the importance of a trustworthy merchant account gateway.