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Alice in Credit Card Land
Your credit card is stolen. You place a phone call to the number provided in your tourist guide or in the local daily press. You provide your details and you cancel your card. You block it. In a few minutes, it should be transferred to the stop-list...
Assumptions in Credit Repair
Copyright 2005 Keith Gloster
When it comes to life the majority are always assuming, and the most of them assume the worst. Creditors, debtors or anyone today all base their theories on assumptions and assumptions from the beginning of time have...
Demystify the allegorical misinterpretation of bad credit personal loans.
Every time you go for a loan, the bad credit trademark hits you where it should – your odds at finding a loan. For bad credit personal loan, it is necessary to discover your standing as a loan claimant. Loan borrowing is promoted as a much...
Free Credit Reports - How to Maintain Your Credit Profile
Maintaining your Credit Profile
Every consumer should be maintaining their credit profiles to ensure the highest scores possible. To do so, you must first order your credit reports from the three major credit bureaus: Equifax, Trans Union, and...
Tips for Using Business Credit Cards
Business credit cards are some of the most popular. With more and more companies needing credit
cards for their day to day operation, they are turning to credit cards that cater specifically to
businesses. Business credit cards are perfect for...
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Credit Card Comparisons
Shopping around for a credit card can save you money on interest and fees. You'll want to find one with features that match your needs. This information can help you
- Understand the features of credit cards
- Compare credit card features and costs
- Know your rights when using your credit card
- File a complaint if you have a problem with your credit card
How will you use your card?
The first step in choosing a credit card is thinking about how you will use it.
- If you expect to always pay your monthly bill in full--and other features such as frequent flyer miles don't interest you--your best choice may be a card that has no annual fee and offers a longer grace period.
- If you sometimes carry over a balance from month to month, you may be more interested in a card that carries a lower interest rate (stated as an annual percentage rate, or APR).
- If you expect to use your card to get cash advances, you'll want to look for a card that carries a lower APR and lower fees on cash advances. Some cards charge a higher APR for cash advances than for purchases.
What's the APR?
The annual percentage rate--APR--is the way of stating the interest rate you will pay if you carry over a balance, take out a cash advance, or transfer a balance from another card. The APR states the interest rate as a yearly rate.
How long is the Grace Period?
The grace period is the number of days you have to pay your bill in full without
triggering a finance charge. For example, the credit card company may say that you have "25 days from the statement date, provided you paid your previous balance in full by the due date." The statement date is given on the bill.
The grace period usually applies only to new purchases. Most credit cards do not give a grace period for cash advances and balance transfers. Instead, interest charges start right away.
If you carried over any part of your balance from the preceding month, you may not have a grace period for new purchases. Instead, you may be charged interest as soon as you make a purchase (in addition to being charged interest on the earlier balance you have not paid off). Look on the credit card application for information about the "method of computing the balance for purchases" to see if new purchases are included or excluded. Information on methods of computing the balance is in the section "How is the finance charge calculated?"
These are just some of the considerations you will have to be aware of when choosing a credit card. The bottom line is that you should always read the small print and think about what it is you are agreeing to and whether or not this is what you need.
About the Author
Joseph Kenny is the webmaster of the credit card comparison sites http://www.credit-cards-info.com/ and also http://www.creditcards121.com/
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