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Small Business Credit Services Terms

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Annual Percentage Rate (APR) - The cost of credit that consumers pay, expressed as a simple annual percentage.

Charge Card - Used for making purchases each month and paying off in full each month.

Credit Card - Used for making purchases on an ongoing basis where monthly payments are made over time and an interest charge applies to outstanding balances.

Credit History Requirement - The preferred status of your credit history relative to qualifying for a specific credit tool. This is commonly described in terms of good to excellent.

Introductory Annual Percentage Rate (APR) - The cost of credit for a specified introductory period that consumers pay, expressed as a simple annual percentage.

Introductory Annual Percentage Rate (APR) Period - The cost of credit for an annual introductory period that consumers pay, expressed as a simple annual percentage.

Annual Fee - A lender's annual charge for making credit available.

Grace Period - This is NOT an extension of your payment due date. If you are not carrying a balance, it is the period you have to pay new balances before interest charges apply.

Late Fee - A penalty fee applied when making payments after the required due date.

Over Limit Fee - A fee charged when you charge your credit card over the specified limit.

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Note: This information has been compiled by FERAD for educational purposes only in order to convey a general overview of the options and related services available to small businesses in the subject areas introduced. Content is provided on an "as is" basis and is not intended to be an exhaustive representation, nor does it provide advice or create a customer relationship between FERAD, buzgate.org, its affiliates and any other organization named herein, and any reader.
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