Credit is the core of any business operative. Small businesses find it hard to cope with putting in place a nicely packed financial plan when they start off.

The general trend among businesses is to borrow a huge sum at one go but business by nature is a risky affair. Small borrowings are not so easy to get with increasing interest rates everyday. So what can small businesses do to sustain themselves during the lean periods?

A small business credit card is a ready solution to keep the balance of payments ratio intact.

All that begins well, Ends well. Hopefully!

The clock's ticking rapidly and its already the wee end of the year. Ledger books are out and credit card bills are piling up. What do you do now? Can you compromise spending this Christmas and New Year? As businesses, can you shy away from gifting your employees a small perk?

While having a credit card is surely a mark of one's financial success, it is a slippery slope that can get you into a serious financial tumble if the balance pay offs are handled loosely. The consequences are stark for both customers and businesses alike.