About of CREDIT CARD
Major commercial bank, based in Delaware, offering services in the United States,
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Issues a large selection of major brand cards offering various advantages.
Howstuffworks "How Credit Cards Work"
Explains the technology of credit cards and the different types of cards and
plans available to consumers.
Popular Searches > > > > > > > Sponsored By: Subjects > > > > > > > > > > > > Explore Stuff > > > > > > > > How Credit Cards Work Table of Contents Have you ever stood behind someone in line at the store and watched him shuffle through a stack of what must be at least 10 credit cards? Consumers with this many cards are still in the minority, but experts say that the majority of U.S.
citizens have at least one credit card -- and usually two or three.
It's true that credit cards have become important sources of identification -- if you want to rent a car, for example, you really need a major credit card.
And used wisely, a credit card can provide convenience and allow you to make purchases with nearly a month to pay for them before finance charges kick in.
But in reality, many consumers are unable to take advantage of these benefits because they carry a balance on their credit card from month to month, paying finance charges that can go up to a whopping 23 percent.
The numbers are striking: In 1999, American consumers charged about $1.2 trillion on their general-purpose credit cards.
In this article we'll look at the credit card -- how it works both financially and technically -- and we'll offer tips on how to shop for a credit card.
(Experts say this should be a project on the scale of shopping for a car loan or !) We'll also describe the different credit-card plans available, talk about your credit history and how that might affect your card options, and discuss how to avoid credit-card fraud -- both online and in the real world.
Choosing and Using Credit Cards
Detailed discussion of credit card terms and other costs and features.
Search: Facts for Consumers Choosing and Using Credit Cards Chances are you've gotten your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks.
Credit Card Terms A credit card is a form of borrowing that often involves charges.
So it's wise to compare terms and fees before you agree to open a credit or charge card account.
The following are some important terms to consider that generally must be disclosed in credit card applications or in solicitations that require no application.
You also may want to ask about these terms when you're shopping for a card.
The card issuer also must disclose the "periodic rate" - the rate applied to your outstanding balance to figure the finance charge for each billing period.
Some credit card plans allow the issuer to change your APR when interest rates or other economic indicators - called indexes - change.
If you're considering a variable rate card, the issuer must also provide various information that discloses to you: that the rate may change; and how the rate is determined - which index is used and what additional amount, the "margin, " is added to determine your new rate.
Knowing whether a card gives you a free period is especially important if you plan to pay your account in full each month.
Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account.
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Avoiding Credit and Charge Card Fraud
FTC advice on how to protect yourself from fraud.
Search: Facts for Consumers Avoiding Credit and Charge Card Fraud A thief goes through trash to find discarded receipts or carbons, and then uses your account numbers illegally.
A dishonest clerk makes an extra imprint from your credit or charge card and uses it to make personal charges.
Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year.
For example, someone may use your card number without your knowledge.
It's not always possible to prevent credit or charge card fraud from happening.
But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility.
Guarding Against Fraud Here are some tips to help protect yourself from credit and charge card fraud.
Do: Sign your cards as soon as they arrive.
Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
Keep an eye on your card during the transaction, and get it back as quickly as possible.
Report any questionable charges promptly and in writing to the card issuer.
Notify card companies in advance of a change in address.
Don't: Lend your card(s) to anyone.
Leave cards or receipts lying around.
Write your account number on a postcard or the outside of an envelope.
Choosing a Credit Card
Tips on how to shop around for a credit card and analyze various offers and
agreements. From the Federal...
Shopping around for a credit card can save you money on interest and fees.
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 credit 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 are the APRs? 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.
Multiple APRs A single credit card may have several APRs: One APR for purchases, another for cash advances, and yet another for balance transfers.
For example, your card agreement may say, “If your payment arrives more than ten days late two times within a six-month period, the penalty rate will apply.” An introductory APR.
Issues the Discover card and other cards under the Novus brand.
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American Express Personal Finance, Credit Cards, Business Services ...
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businesses. Credit Cards at Bankrate.com
Average rates, features, fee and rate comparisons and searches, scam alerts, FAQ
and articles. | - advertisement - Compare credit card offers and rates in just a few simple steps.
Choose the type of credit card you want below: - - - - - TYPE FIXED VARIABLE 13.08% 14.64% 11.41% 13.58% 10.17% 13.70% BASICS SERIES Don't get trapped by card debt.
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Consumer-oriented banking news, analysis, comparisons of current rates and fees
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Capital One: Credit Cards, Auto Finance, Loans, and Savings Accounts
Among the largest issuers of major brand bank card products worldwide.
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Credit Cards, Personal Loans and Insurance - Barclaycard
Details of 5 different card types on offer and on-line application processes for
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Virgin Credit Card- UK Credit Cards at Virgin Money: voted best ...
Details of the benefits and an FAQ for this card.
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Frontline: Secret History of the Credit Card
FRONTLINE and The New York Times examine how the credit card industry has become
so pervasive, lucrativ...
...and much more you probably don't banking industry executives, consumer advocates, and a federal regulator How much do you know about Americans' use of credit cards? "Credit Cards and Personal Responsibility, " "The Rise of the Industry, " "Your Credit Score, " "When the Debt Collector Calls" and more...
Additional funding for "Secret History of the Credit Card" is provided by The Nathan Cummings Foundation.
+ + + + + + + + + + + + Secret History of the Credit Card The average American family today carries eight credit cards.
Credit card debt and personal bankruptcies are now at an all time high.
With no legal limit on the amount of interest or fees that can be charged, credit cards have become the most profitable sector of the American banking industry: more than $30 billion in profits last year alone.
FRONTLINE and The New York Times examine how the credit card industry became so pervasive, so lucrative, and so politically powerful.
Bank of America | Personal Finance | Credit Cards | Overview
Issues a variety of Visa cards, including a student card and a secured card.
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Compares mortgages, credit cards, loans, savings accounts and insurance.
One of the largest full service banks in the world.
Credit Card Processing, Merchant Accounts, Accept Credit Cards
Registered ISO/MSP for FDIC insured Wells Fargo Bank, Walnut Creek, California,
Credit Card Processing and Merchant Accounts Accept Credit Cards on Your Web Site Today Now - Pay $0.00 for Your Software to Accept Online Payments LIMITED TIME OFFER Sign up to today and get: FREE Setup FREE Shopping Cart Software FREE Application FREE Internet Check Software FREE Technical Support FREE Search Engine Submission Same-Day Approvals Available Did you know that when you , you can expect your sales to increase by an astounding 50 to 400%? You simply can't compete if you don't accept credit cards.
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