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Bank of America Financial Rewards Visa Platinum Plus

Card issued by FIA Card Services, NA.
Earn points towards cash back
Mini Card available
0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
Earn 5 bonus points with your first purchase.
Points do not expire for 5 years
Online Banking Service
Total Security Protection®
No Annual Fee

EARN POINTS FOR CASHBACK with the
Financial Rewards® Visa® Platinum Plus®
Key benefits
* Earn 1 point for every $100 you spend in net purchases per billing cycle (up to 600 points per calendar year)
* Receive 5 bonus points after your very first net retail purchase
* Receive another 5 bonus points for every $2,500 in balance transfers per billing cycle (up to 25 per billing cycle)
* Points don't expire for five years
* When you redeem, one point equals one dollar
* Receive your rewards in the form of a check written directly to you or a direct deposit made to your Bank of America checking or savings account
Pricing
* No annual fee
* 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
* After your introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 5.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment
* All payments you make will be applied to lower rate balances first
* No balance transfer fees
Platinum Plus benefits
* Online Banking service***
* Total Security Protection®, our free package of security features, including zero liability from unauthorized card use***
* Travel and emergency assistance***
* Automatic auto rental insurance***
* Purchase Replacement***
* Purchase Guard***
* Cash advance checks at no extra charge***
* Additional cards at no extra charge
2

DID YOU KNOW?

Running a business gets so demanding, that we often can't see the wood for the trees. We become preoccupied with ensuring that everything in the business works the way it is supposed to. In other words, we spend most of our time working in the business.

The problem with this operational focus is that it is easy to lose sight of what could be done in the business to make it run better. The business will only prosper in the long term if you devote a lot of attention to improving how the business works and increasing its capacity.

Spending a lot of time working on the business, makes it grow in the long term. Business growth is sustainable and things just keep on getting better. If necessary, get other people to work in the business. Working on the business should be your top priority.

Failure to work on the business causes it to become trapped. It is almost like the business gets stuck in a box. The business is unable to dynamically take advantage of opportunities. And it fails to adjust to a rapidly changin g environment. Eventually, the business starts losing its competitive edge. A one way downhill trip becomes almost inevitable.

Most businesses fail or under perform because business owners spend too much time working in their businesses. And not enough time working on their businesses. The biggest fall out is during the first year. 29% of new businesses never make it into their second year. And 65% of businesses close their doors within the first 5 years.

Research shows that the biggest cause of business failure is the lack of a Strategic outlook. People who start businesses tend to be very focused on operational issues. The preoccupation with working in the businesses causes an almost exclusively Operational Focus.

The lack of a Strategic outlook means that little attention is paid to laying the foundations that business success is built on. Because Strategic Action is not taken in the business, it stagnates. And gradual decline follows. Even if you get through the first five years, you aren't home and dry yet.

Many businesses that manage to get through the first five years, also lack that all important strategic outlook. For them, a different set of problems arise. Initiating strategic outlook enables business techniques you will need to become successfully occupied for the foundation, which is the first building blocks of any business.

By Abe Cherian

Copyright © 2006

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