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Credit cards are plastic coated debts that you will pay over a
course of time. If you have or plan to get a credit card, make
sure that you understand all the details lay out in the terms.
Grace periods are often extended to 25 days; however, few
companies will try to get away with sending the debt before the
due date to put your back against the wall. They will often do
this in an attempt to charge you fees on late charges. You are
obligated under the terms to pay before the grace period,
therefore, hold up to you end and if they try to go over their
end, be sure you file a complaint.
Credit cards can come in handy when cash is low. Visa,
MasterCard, American Express are few of the many cards online.
If you need student visa, travel, or small business credit line,
it is online for the taking. You do not even have to have a
small business or be a student nowadays to get a credit card. If
you need a card all you have to do is apply. The basics are you
need a job, a copy of your credit report, and a bit of
information to provide to the credit card issuer. Be sure to
read the terms and conditions carefully before applying. The
terms and conditions is where you will find information that is
not supplied on the advertising slicks.
Many of Visa credit cards offer a 0% Introductory APR on all
your purchases and balance transfers and no annual fees. Grace
periods may be interest-free as long as you pay your bill on
time each month. Some Visa cards supply a point system or a cash
back system. You can earn money while you are spending. After
you have earned enough points, you can trade the points in for a
trip, stereo, or whatever the company is offering. Visa cards
may offer a 2% or more cash rewards on your purchases with a
cash reward limit of $500 each year. Make sure the card that you
select offers a 100% guarantee against fraudulent. Some cards
lenders may not care if your card is stolen and charge you
anyway, or others may charge set amount for the charges to your
card. If you do not have a credit report when begin your Visa
credit card application, you can receive a report if you are
turned down. The credit report will be of no charge. However, if
you elect to obtain a credit report before filling out the Visa
application you may have to pay a small fee. While you are
searching for a credit card online, do a random search and
review each card and what the lenders offer to you. Some lenders
may offer better opportunities than others may.
Citi( Platinum Select( Card offers 0% APR for up to nine months,
and 9.49% APR after the introduction phase. Chase Platinum
Visa(/MasterCard( offers 0% APR up to six months and as low as
8.74% Annual Percentage Rates after the introduction trial.
Discover( Platinum Cards offer 0% Introductory APR for 6 months
or one year with fees as low as 7.99% after the introductory
period has ended. AT&T Universal Platinum MasterCard( offers 0%
APR for 12 to 15 months with a 9.49% APR after the introductory
period. Citi has a variety of credit cards at various rates.
Some of their cards may offer a cash back program just as other
card suppliers may have the same or similar offers. Citi(
Driver's Edge( Platinum Select offers 0% APR for 12 months and
you can earn 5% rebates on purchases for nine months and 1%
thereafter. Citi( Dividend Platinum Select( offers 0% APR for 9
months and you can earn 5% cash back at supermarkets,
drugstores, and gas stations. You can earn an additional 1% on
all other purchases. No matter which card you chose you want to
find the cheapest credit card, with the cheapest interest rates,
and if possible, cash back programs with the highest cash backs
available. Note: Prices may vary with different companies.
About the author:
Tony Robinson is a careful and experienced credit card user, He
is also a Webmaster and International Author. Check out his
credit card tips at http://www.ezy-credit-card.com/
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