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1.      Young people aged 20-25 are not likely to get a credit. As a rule, banks give credit to this age group quite unwillingly because of their young age and unstable income.
2.      Young people aged 25-30 are more welcomed by the banks. Why? It’s high time to think about getting married and improving one’s housing conditions. This age group usually has a stable average income, which is a definite advantage when applying for a credit.
3.      The most common age group is 30 to 40-year-old people. Usually, these are professionally successful people who wish to invest their funds into real estate or to change their accommodation. Most of them choose mortgage to buy separate flats for their children as well.
4.      People over 50 get their credit rarely. Most banks have debtor age restrictions (one should be not more than 65 years old by the time of total debt repayment).
 Mortgage debtors today have absolutely different occupations. Everyone can get a credit, starting from clerks and up to prominent businessmen. However, the majority of mortgage loan borrowers are managers and experts who earn more than $1000 a month. Even business owners don’t avoid borrowing. Though banks act quite carefully towards them, as business owners are responsible not only for themselves, but for their employees as well.

Begining: The biggest up-front cost will be for the terminal, the machine used to swipe cards, for card-present transactions.  Basic terminals go for between $150 and $300 typically, terminals with printers are $200 to $600, and wireless terminals can run from $600 to $1000. You may want to lease a terminal instead. Leases can be as little as runs $35/month, although prices can vary depending on the sophistication of the terminal and the length of the lease.
Terminals are not required for card-absent transactions. Instead, you can get software to verify transactions from your PC for as little as $150. Some providers even support card verification directly over the phone.
For more information about credit card terminals, read Credit Card Terminals Buyer’s Guide.
My advice is to be careful with application fees. Some credit card payment systems providers charge application fees of up to $200, and they may be non-refundable, even if your business is turned down for an account. You are able also have to pay setup or account activation fees. Make sure you understand exactly what you will be paying for before you sign anything.

Periodic costs: The primary fee on credit card payment systems is the discount rate, a small percentage the credit card payment systems provider charges on each transaction.
Banks and larger credit card payment systems providers will base this fee on criteria including: your company’s evaluated risk, average sales ticket, transaction type, and total charge volume. Because of the difference in risk, most credit card payment systems providers have two different rates, one for card-present transactions and one for MOTO (mail order/telephone order, also includes Internet transactions) or card-absent transactions. Currently, card-present transactions usually carry a discount rate of 1.5% to 2%, while card-absent transactions are at 2.2% to 3.0%. Some companies set a monthly minimum fee ranging from $20 to $35 per month, so if you do a low volume of credit-card transactions, be sure to ask about this.
Another processing fee charged by the merchant bank is the per transaction fee. The per transaction fee is generally $0.20 to $0.30 for card-present transactions and $0.30 to $0.50 for card-absent transactions. There is also a fee to cover the cost of issuing monthly credit card transaction summaries, usually around $10.
Need still more costs?:In addition to these basic fees, there are an astonishing number of fees that credit card payment systems providers can charge: annual fees, programming fees, Internet processing fees, shipping and handling, American Express setup fee, customer support fees, etc. Essentially, these are arbitrary-jack-up-the-bill fees. Make sure you have a complete understanding of all the charges you will incur before making your decision.

A commercial services provider will want to make sure that you are a legitimate business that will not leave them liable for fraudulent charges, before giving you a merchant account. They will start with a basic background check. This includes a thorough credit history review of the owners or officers listed on the application, in addition to credit references from two to three suppliers. The most important question that providers want answered is whether your business is likely to have a high incidence of chargebacks on your merchant accounts. For the most part, tangible products are considered to be much safer than services. As well, businesses that liberate purchased goods immediately in exchange for payment are viewed as being less risky. Providers will also consider the type of credit card transactions that your company performs before they give you a merchant account. As a general rule, card-present transactions that allow you to swipe the credit card and obtain a signature in person are considered to be much safer than card-absent transactions that take place by phone, by mail or over the Internet.  Being a higher-risk merchant does not necessarily prevent you from getting a merchant account - but it will drive up your costs.  Finally, if you have had merchant accounts in the past, providers will require old statements to better gauge your charge and chargeback volume. Some companies advertise high acceptance rates in an effort to impress - do not be lured; 99% acceptance rates are common among ISOs.  

Need a Credit Card processors? There are several different types of companies you can turn to for credit card processors.
Banks: The banks you use for your business finances should be the first place you contact. Banks allways can be the easiest source to turn to for credit card services; many offer service packages for businesses that include merchant services. Most banks don’t process credit card transactions themselves, though.
Instead, they outsource credit card processing to a third party credit card processors. It can be tough to get approved from this channel, though. Banks are likely to scrutinize your business more closely before deciding whether or not to accept your application.
3-rd Credit Card Processors: Third party credit card processors dedicate themselves to handling credit card processing. As such, they take care of different aspects of the transaction process such as authorization, billing, reporting, and settlement.
For example, Independent Sales Organization:
An independent sales organization (ISO) is essentially a registered credit card merchant broker who represents one or more third party credit card processors. They set up and service credit card merchants, but do not do the actual card processing. ISOs are less selective than banks, but that comes at a somewhat higher price. They are also not strictly regulated the way banks are, so be particularly vigilant when evaluating potential suppliers.
Example: Financial Service Providers: MasterCard and Visa require you to establish a merchant account through an intermediary. However American Express and Discover give you the option of applying directly to them.
Association Small business and trade associations often offer credit card merchant processing at discount prices. They are a particularly good resource if companies in your industry historically have trouble attaining credit card merchant status.

No doubts, price is an important factor in choosing a credit card transaction provider - but it should not be the only factor. Customer support can be essential - problems in credit card processing can quickly impact your bottom line. The best way to learn about a credit card transaction provider’s level of customer service is to obtain customer referrals from current clients. Request referrals to merchants that are comparable to your company in size and industry. Then ask these important questions: do they have to wait several minutes before reaching a customer support rep? Are their needs serviced as soon as possible? In what way does the credit card transaction provider deal with chargebacks? Also ask the credit card transaction provider about their level of support - do they have phones staffed 24 x 7? Do they charge per incident? If your business will be selling over the Internet and you do not have a secure server that can encrypt credit card information, make sure your credit card transaction provider can offer secure ordering through SSL (secure sockets layer, a widely-used web standard for security). Setting up your own secure site is expensive and technically challenging. 

At least, if you are not using a bank or financial company you recognize, make sure you verify that the company you are investigating is legitimate - there are con artists and scammers who set up fake processing companies just to collect setup fees then vanish.  I advice you to contact the Better Business Bureau to check the company’s status if you are unsure, and if you find a credit card transaction provider on the Web, make sure you get a physical address and phone number.  

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