Solid Cactus - your partner in e-commerce success

Every business should have a business credit card. Why you ask? Because a true business card will NOT post to your personal credit.

Now that may not seem important, but as your business grows, your personal credit score will play a huge role in your ability to get business credit.

Banks are moving more and more towards a system of automation, and the "common sense" things are no longer very common sense. Lets take this example. If you have a personal credit card with a limit of $15,000, and you normally keep a balance of $2,000 on it, and you have a credit score of 720... Next month, you need money to make payroll. You use your personal card for a cash advance. Now your balance is $14,000. You can expect this to drop your credit score about 50 points. You are now a 670.

You now go to your bank, and you ask for a loan. The banker tells you, "In order to qualify, you need a credit score of at least a 700". And you explain, "but I will use this money to pay off the XYZ Visa Card, which I used to fund the business". Guess what the banker is going to say...

"In order to qualify, you need a credit score of at least a 700 - there is nothing I can do if your score is less than 700. It is policy."

BUT, if you had used a "business" card from the beginning, this card would have never posted to your personal credit report.

One of the best banks for business in the industry today is American Express. Take a look at a few of the cards they offer, and remember, they don't effect your personal credit!

View the various offers below for more information...