I don't accept credit card payments for this very reason.

Looking to knock out all credit card debt early next year and rebuild the 6 month emergency fund.

Between graphics cards and utility bills, hard to claim $0 for anyone I knew doing it. 

Jason Stofer if you make that kind of money I’d recommend stop spending it on direct mail and pay down debt, especially credit card debt.The whole “find a deal the money will come” is often wrong.

They use PRICE LABS to create these score cards that test your price, data is pulled from Price Labs, well guess what you can access that right from Price Labs you do not need to pay them for that.

Suppose you have $46,000 mortgage at 8% interest on restaurant, $22,900 SBA loan, $3,900 at 1.75% interest on a microloan, $23,00 on temporary 0% interest credit cards all for the same business totaling $95,000 in debt. 

I don't think a gift card is necessary at this point, but if you can exchange addresses and phone numbers that would be great.Think like a neighbor....they are going to be worried about parties, noise, trash, etc.

There are several benefits of having cash in the bank/liquid reserves versus an open end mortgage (a.k.a) credit card.

We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).

A good analogy is baseball cards.