function oxDone() { var gads = document.createElement('script'), useSSL = 'https:' === document.location.protocol, node = document.getElementsByTagName('script')[0]; gads.async = true; gads.type = 'text/javascript'; gads.src = (useSSL ? 'https:' : 'http:') + '//www.googletagservices.com/tag/js/gpt.js'; node.parentNode.insertBefore(gads, node); } setTimeout(function() { if (!('OX' in window || 'oxhbjs' in window)) { oxDone(); } }, 2500); (function() { var openx = document.createElement('script'), useSSL = 'https:' === document.location.protocol, node = document.getElementsByTagName('script')[0]; openx.async = true; openx.type = 'text/javascript'; openx.src = (useSSL ? 'https:' : 'http:') + '//lovetk-d.openx.net/w/1.0/jstag?nc=1004147-LoveToKnow'; node.parentNode.insertBefore(openx, node); })(); ltk.ads = { retries: [], contentUnit: 'LTK_Business_Finance_Business_Content', debug: false, refreshInterval: 25000, excludedIds: ['ad-carambola-desktop', 'ad-carambola-mobile'], slots: [], numOxSlotsDefined: 0, define: function(id, unit, size, sizes, delay) { var help = this.helpers, debug = this.debug; var sizeDef = size; googletag.cmd.push(function() { if (sizeDef.length === 0) { sizeDef = help.getMaxSizeArr(sizes); } if (sizeDef.length) { if (debug) help.title('define'); var def = googletag.defineSlot('/1004147/' + unit, sizeDef, id) .addService(googletag.pubads()); if (ltk.ads.debug) help.logDeep('define unit: ' + unit + ' for ' + id); if (help.isOxAd(id)) { ltk.ads.numOxSlotsDefined++; if (ltk.ads.numOxSlotsDefined === OX_dfp_ads.length) { OX.dfp_bidder.setOxTargeting(); } if (debug) help.logDeep('set OX target: ' + sizeDef[0] + 'x' + sizeDef[1] + ' for ' + unit); } ltk.ads.slots.push({ id: id, ad: def, visible: false, firstRefresh: true, timer: { state: 'stopped', counter: (ltk.ads.refreshInterval / 1000), isStopped: function() { return this.state === 'stopped'; }, isPaused: function() { return this.state === 'paused'; }, isActive: function() { return this.state === 'active'; }, getState: function() { return this.state; }, pause: function() { this.state = 'paused'; if (debug) help.logTimerPaused('pause timer for ' + id + ': ' + help.getSlotById(id).timer.state); }, resume: function() { this.state = 'active'; if (this.counter <= 1) this.counter++; // make sure we have a minimum impression time of 1 sec if (debug) help.logTimerPaused('resume timer for ' + id + ': ' + help.getSlotById(id).timer.state); }, startTimer: function(slot) { this.state = 'active'; // set to a property in case we need to clear it slot.timer.interval = setInterval(function() { if (!slot.timer.isPaused() && !slot.timer.isStopped() && slot.visible) { if (debug) help.logTimer('refresh ' + id + ' in ' + slot.timer.counter + ' seconds'); slot.timer.counter--; } else { if (debug) help.logTimerPaused('remain paused for ' + id); } if (slot.timer.counter < 0) { ltk.ads.refresh(slot.id); slot.timer.counter = (ltk.ads.refreshInterval / 1000); } }, 1000); } } }); googletag.display(id); // needed only for wrangling sticky ads on load if (debug) help.logDeep('pre-render the ad so sticky ads actually stick'); if (!delay) { if (debug) help.logDeep('see no delay, so request initial fetch and display of the ad'); ltk.ads.refresh(id); } } }); }, refresh: function(id) { var help = this.helpers, debug = this.debug; if (debug) { help.title('refresh'); } googletag.cmd.push(function() { var ad_slot = help.getSlotById(id), ad = ad_slot.ad; if (!ad_slot.firstRefresh && help.isAdOldEnough(ad_slot) === false) { var age = (((new Date()) - ad_slot.timer.last) / 1000); if (debug) { console.log( '%cNot refreshing ... ' + ad_slot.id + ' is only ' + age + ' seconds old', 'background:red;color:white;' ); } return; } if (!ad_slot.firstRefresh && !ad_slot.visible) return; // we won't refresh unless we're visible to google if (help.isOxAd(ad_slot)) { if (debug) help.log('refresh the OX DFP ad for ' + id); OX.dfp_bidder.refresh(function() { OX.dfp_bidder.setOxTargeting([ad]); googletag.pubads().refresh([ad]); }); } else { if (debug) help.log('refresh the non-OX ad ' + id); googletag.pubads().refresh([ad]); } }); }, listen: function(name, handler) { googletag.cmd.push(function() { googletag.pubads().addEventListener(name, handler); }); }, handleImpressionViewable: function(event) { var help = ltk.ads.helpers, debug = ltk.ads.debug; var id = event.slot.getSlotElementId(), slot = help.getSlotById(id); if (debug) { help.title('impressionViewable'); help.logDeep('see event triggered for ' + id); } slot.visible = true; if (slot.timer.isStopped()) { if (debug) help.logDeep('am starting the timer'); slot.timer.startTimer(); return; } if (slot.timer.isPaused()) { if (debug) help.logDeep('am resuming the timer'); slot.timer.resume(); } }, handleSlotRenderEnded: function(event) { var help = ltk.ads.helpers, debug = ltk.ads.debug; if (debug) { help.title('slotRenderEnded'); help.logDeep('see event triggered for ' + event.slot.getSlotElementId()); } var slot = help.getSlotById(event.slot.getSlotElementId()); if (slot.firstRefresh === true) slot.firstRefresh = false; slot.timer.last = new Date(); if (slot.visible && slot.timer.isStopped()) { if (debug) help.logDeep('am starting the timer'); slot.timer.startTimer(); return; } if (slot.visible && slot.timer.isPaused()) { if (debug) help.logDeep('am resuming the timer'); slot.timer.resume(); } }, handleSlotVisibilityChanged: function(event) { var help = ltk.ads.helpers, debug = ltk.ads.debug; var id = event.slot.getSlotElementId(), perc = event.inViewPercentage, slot = help.getSlotById(id), wasVisible = slot.visible; if (!help.isValidAd(slot)) return; if (debug) { help.title('slotVisiblityChanged'); help.logDeep('see that slotVisibilityChanged was triggered for ' + id); } slot.visible = perc < 50 ? false : true; // same criteria as 'impressionViewable' event var changedOn = !wasVisible && slot.visible, changedOff = wasVisible && !slot.visible; if (debug) { help.logDeep('see that ad was ' + (wasVisible ? 'visible ' : 'not visible ') + 'and is now ' + (slot.visible ? 'visible' : 'not visible')); help.logDeep('see that ' + id + ' has timer as: ' + slot.timer.getState()); } if (changedOn && slot.timer.isStopped()) { if (debug) help.logDeep('am starting the timer'); slot.timer.startTimer(slot); return; } if (changedOn && slot.timer.isPaused()) { if (debug) help.logDeep('am resuming the timer'); slot.timer.resume(); return; } if (changedOff && slot.timer.isActive()) { if (debug) help.logDeep('am pausing the timer'); slot.timer.pause(); } }, helpers: { getMaxSizeArr: function(arr) { var len = arr.length, i = len - 1, retArr = []; for (; i >= 0; i--) { var minVpSize = arr[i][0], minVpWidth = minVpSize[0], minVpHeight = minVpSize[1], allowedAdSizes = arr[i][1]; if (window.innerWidth >= minVpWidth && window.innerHeight >= minVpHeight) { retArr = allowedAdSizes; break; } } return retArr; }, getSlotById: function(id) { for (var i = 0; i < ltk.ads.slots.length; i++) { if (ltk.ads.slots[i].id === id) return ltk.ads.slots[i]; } }, isOxAd: function(ad_slot) { for (var i = 0; i < OX_dfp_ads.length; i++) { if (OX_dfp_ads[i][2] === ad_slot.id) return true; } return false; }, isValidAd: function(ad_slot) { for (var i = 0; i < ltk.ads.excludedIds.length; i++) { if (ad_slot.id === ltk.ads.excludedIds[i]) return false; } return true; }, isAdOldEnough: function(ad_slot) { var timeSpan = Math.ceil(((new Date()) - ad_slot.timer.last) / 1000); var min = Math.ceil(ltk.ads.refreshInterval / 1000); if (timeSpan >= min) { if (ltk.ads.debug) { ltk.ads.helpers.log( 'see that ' + ad_slot.id + ' was refreshed ' + timeSpan + ' seconds ago' ); } return true; } return false; }, title: function(str) { console.log( '%c' + ltk.ads.helpers.getTime() + ' ' + str, 'background:black;color:white;font-weight:bold' ); }, titleDeep: function(str) { console.log( '%c' + ltk.ads.helpers.getTime() + ' ' + str, 'background:black;color:white;font-weight:bold' ); }, log: function(str) { console.log( '%c' + ltk.ads.helpers.getTime() + ' I: ' + '%c' + str, 'background:black;color:orchid;font-weight:bold', 'background:black;color:limegreen;font-weight:bold' ); }, logDeep: function(str) { console.log( '%c' + ltk.ads.helpers.getTime() + ' I: ' + '%c' + str, 'background:black;color:orchid;font-weight:bold', 'background:black;color:limegreen;font-weight:bold' ); }, logTimer: function(str) { console.log('%cI will ' + str, 'background:orange;color:red'); }, logTimerPaused: function(str) { console.log('%cI ' + str, 'background:green;color:white;font-weight:bold'); }, getTime: function() { var d = new Date(), h = d.getHours() + '', m = d.getMinutes() + '', s = d.getSeconds() + ''; h = h.length < 2 ? ('0' + h) : h; m = m.length < 2 ? ('0' + m) : m; s = s.length < 2 ? ('0' + s) : s; return h + ':' + m + ':' + s; } } } googletag.cmd.push(function() { var pubads = googletag.pubads(); pubads.set('page_url', location.href); pubads.collapseEmptyDivs(); pubads.enableSingleRequest(); pubads.disableInitialLoad(); googletag.enableServices(); }); if (ltk.type !== 'Slideshow') { ltk.ads.listen('impressionViewable', ltk.ads.handleImpressionViewable); ltk.ads.listen('slotVisibilityChanged', ltk.ads.handleSlotVisibilityChanged); } ltk.ads.listen('slotRenderEnded', ltk.ads.handleSlotRenderEnded); Sample Business Credit Card Use Policy

Sample Business Credit Card Use Policy

Rachel Blumenfeld
man with credit card

If you own or manage a business with several employees, you may find that you need to give some employees company credit cards. This entrusts the employees with a lot of responsibility, so it's important to have a clear policy regarding the usage of such company cards.

Customizable Policy

This sample policy may be downloaded and altered as needed for your company. There are some words you need to fill in, such as specifying the name of your company and identifying the person or department to whom receipts must be given.

You will also want to carefully read the policy and delete any sections that do not pertain to your company, or that you do not want to use, and add sections that contain rules you want included but that aren't addressed in this sample.

If you need help downloading or opening the sample, take a look at these tips.

Things to Consider

Your business has separate needs from others, so you may want to customize your policy accordingly. For example, you may want to specify exactly what items an employee can purchase, rather than leaving it vague (such as "in conjunction with one's job duties").

You may even want to specify that any purchases need to be pre-approved, rather than just purchases over a specific amount (but if you do this, consider including an exception in the case of emergencies).

If your business is a government or religious business, you may also want to specify that the card may not be used for the purchase of alcohol, even on business trips.

A Legal Contract

Even though your credit card policy may seem clear, it is best to have it reviewed by your company's attorney before putting it to use. Some states may have different requirements for this type of policy - for example, some states may not let you deduct future wages in an amount that takes an employee's pay below minimum wage. Some states may just have different requirements for the signature blocks.

Either way, since this policy is intended to protect your business, you want to make sure it complies with your state's laws before using it. After it has been reviewed by an attorney and signed by all of the necessary parties, make sure you keep a copy of the signed contract in your files in case you ever need to enforce it.

Sample Business Credit Card Use Policy