An Introduction to Automotive Credit Cards

Automotive credit cards exist for a variety of reasons, such as helping towards a new car, auto parts, or services. You may choose an automotive credit card for the reward program or because you like that manufacturer. In order to understand how these cards work, you need to know a little more about them. This introduction to automotive credit cards can help you make the right decision for the right card.The most important item to remember about the automotive rewards is that they can only help you towards the purchase of a car. While you may have 10,000 or more rewards points it will only help you towards the purchase. The rewards points are not actually a dollar amount. Most often you will receive a $1,000 to $3,000 discount on the car based on the amount of rewards points and the type of automotive credit card that you have. The companies also limit how you can use the rewards points. For instance they are only valid on certain models of cars, and generally do not include used vehicles. In order to find out what type of car is eligible for the discount you will want to speak with the credit card company’s rewards department. Another aspect of rewards points is that you have to buy a new or leased car.When choosing the proper credit card you will also want to be cautious about the interest rate and fees. As with any credit card you always want to check out the interest rate and fees that may apply. First of all, credit cards, unless they have a fixed rate, will change with the economy’s interest rates. This means you may start off with a great interest rate and find out later on they have raised it to 30%, which is the current maximum interest rate a credit card can have. Fees that may apply include annual fees, late fees, and redemption fees. If the card has an annual fee you will be required to pay that as long as you have the card. Most annual fees are between $45 and $90. Late fees are typically considered $30 charges when you are late in making a payment. Redemption fees may apply if you are trying to use the automotive credit card rewards towards certain things such as cars. In order to make the best use of a credit card, you need to be aware of the potential usage fees from using it and try to somewhat limit yourself in spending the money that you have available trough your credit line. By planning your spending activity, you will avoid incurring a debt you can’t handle.Most automotive credit cards are great for those who know the type of car they wish to purchase. If you are simply looking for a credit card, you might want to check out all the other credit cards; not just those that can give you rewards towards a new car. If you are interested in a new car then choosing an appropriate automotive credit card will help you to financially realize your dream car into reality. Source:

3 Online Business Tips To Get Started Affiliate Marketing

Have you tried starting your own affiliate marketing business, but have been left shaking your head? It’s not your fault, most people have no idea who to follow online or get started. You need a few very simple tips to get started online.Tip1-Keyword Research-Learn To Target ProblemsBelieve it or not, this is where you start your online business. Conducting proper evaluation and keyword research for your niche is important. Without it, how do you know which keywords to target, the questions your niche is asking and the most important their pressing problems. Here are some guidelines I use when conducting keyword research.1. Your main website and niche keyword must have at least 30,000 global monthly searches. Why, because if your niche is too small you max out the number of new customers you can get. Also a smaller number of products will be available to recommend.2. Search Forums for a list of questions your niche is asking and the problems they are having. By creating an FAQ on your site and targeting niches problems will position your website as an authority in your niche. Also, check to make sure your keywords have paid advertising. Can indicate a profitable niche, that is spending money.3. Lastly, find 25 keywords relate to your niche market, that have between 30,000 and 1,000 global monthly searches. Less than that can be a waste of time, as keyword tools are not always accurate. One last point, make sure to check the competition-put your keyword in quotes. Less competition is not always a good thing. More competition can signal more buyers.Tip2-Set Up Your WordPress Review Site & OfferNow that your keyword research is done, you’re ready to set up your first website. This can be a landing page, or review site. Whatever you choose, make sure you install WordPress on your domain. So, you now have your top 10 keywords, a new WordPress site and now you need an offer to promote. Look at ClickBank, CJ, Linkshare, Pepperjam and even direct merchants like Amazon can be great places to find relevant products. Look for something that helps your niche with their problems. Example: in the Acne niche people are not looking for an ebook, they want a cream to stop the red itchy skin irritations. Offer them an affiliate offer for an Acne cream and your online business will take off.Tip 3-Traffic and Building A ListThe last tip is getting traffic and how to build an effective list of qualified buyers. Getting traffic can make or break your new online business. Without people, your online business will fail. So you need to have a combination of free and paid website traffic.Why? Because you can’t always be at your computer 24hours a day and 7 days a week. Also if you’re thinking SEO and page 1, what if Google makes a shift and you’re gone. The best way to start your online business is to have free and paid website traffic. Plus you can test new niches faster. Always build a list, as you need to have people at your finger tips. Keeping them happy is another story.Now your well on your way to building a new affiliate marketing business. Take the time to learn and setup your new business correctly and you will quickly outperform the competition. Here is to your new affiliate marketing business.