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Bad Credit Loans For those who seek alternatives for New or Old Car
You can still save money on a Bad Credit Loan by comparing rates, checking out multiple policies, and negotiating with lenders. Getting a Bad Credit Loan doesn't have to be like basic training. Someone with bad credit will more than likely have a...
Credit Card Security Advice
Which of the following is the biggest threat to your credit card security? a) Shopping online with a credit card b) Shopping in a real store with your credit card c) Ordering something over the phone with your credit card The answer may surprise...
How Credit Cards Work?
A credit card is a piece of plastic, which carries information
electronically. A person can use the credit card by just swiping
it on the machine to send the card information to be verified.
The size of the credit card is 3-1/8" x 2-1/8". You can...
The Rewards Of Student Credit Cards
The way to help build a bright future is to extend your
education into a higher learning facility. A 2004 study by the
U.S. Department of Commerce found that a high school graduate
earns an average of $36,000 per year, while a person with...
The Truth about Bad Credit Loan Mortgage
With the concept of vanity, many people are now despising the
fact that whatever is beautiful are the only ones that are
accepted in the community. Hence, they uphold the rights of
equality and contend that life will never be balance without...
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Different Credit Card Terms
Although everyone knows what a credit card is, recent studies
show that almost thirty per cent of credit card users asked
didn't know the meaning of several terms related to credit cards.
This small glossary aims to reduce this percentage by trying to
clarify the meanings of some of this terminology, at least the
most important words.
APR (Annual percentage rate): As with loans and mortgages, the
APR is a number that measures the annual cost of the credit.
Depending on the issuer and the type of credit card, it can be a
fixed APR or a variable APR. As the name states, a fixed APR
does not change through time, as opposed to a variable APR,
which varies according to a certain index (an economic indicator
calculated on several factors, including inflation). Credit card
issuers often show a "periodic rate", which is a reflection of
the APR but measured for each billing period.
Transaction fee: Some cards often charge a certain fee for each
transaction, that is, every time you pay using your card, a fee
is added to
the total amount charged. Annual fees: Most issuers
will charge a fixed yearly fee, called "participation fee".
Previous balance: This is the total amount of money that remains
unpaid at the end of the previous billing period. Of course,
most credit cards issuers will charge a fee over unpaid money.
Credit limit: The highest amount of money your credit card
allows you to owe.
Other costs: Some issuers may charge several different fees on
several different situations. For example, some of the creditors
will charge a fixed amount of money each period even if you do
not use the card, and some will charge you if you want to
terminate the service.
Of course, there is much more to know about credit cards; but
hopefully this small glossary will help you understand the
basics.
About the author:
Tamara Williams is a writer for credit
cards which is a site dedicated to providing consumers with
credit cards and financial help.
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
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| Credit - Wikipedia, the free encyclopedia |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
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