Credit Card

ADVANTAGES
- Business generally receives same-day or next-day credit for all major cards (like Visa, Master Card).
- Credit card can boost sales because customers tend to buy on impulse.
- Customers enjoy the convenience  of free credit they receive.
- Reduces risks of keeping cash.

DISADVANTAGES
- Risks because you are liable if you accept a card that's stolen or counterfeit.
- Rental fees for equipment.
- Percentage fee of each transaction known as "discount fee" (about two to five per cent, depending on the volume you handle).
- Transaction fee, depending on the equipment you use.

Follow all procedures and guidelines from the credit card company:
- Check the number, expiry date, name and signature.
- Circle the expiry date before you hand the sales slip to your customer.
- Verify the card is not on the stolen card list.
- If you have personal computer or electronic cash register ask your banker about software interface, because even you have to buy software with this option you don't have to rent an imprinter or terminal.

Credit card accounts may vary, depending on the issuer, so make sure the account meets your needs. 

They usually have an annual fee or fee per transaction, just make sure you're not paying for features you don't use. 

Credit cards are good if you paying off your balance in full by the due date, but if you make only a partial payment you must know that you will be charged a higher interest rate than for a bank loan.

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