 |
The following article lists some simple, informative tips that
will help you have a better experience with Visa Credit Cards.
Visa Credit Cards are some of the leading cards online that come
in various types. Visa offers credit cards to students,
businesses, small businesses and individuals alike, including
cards designed for travel. Starting from $250 and up, the
lenders are offer outstanding credit limits, and it's all online
for the taking.
The basics to apply for a Visa Online is to have a job, copies
of your credit reports, and a bit of information to provide to
the Visa credit card lenders. Be sure to read the Terms and
Conditions vigilantly before applying and signing for a card.
Many of Visa credit cards offer a 0% Introductory APR on all
purchases and balance transfers with no annual fees. Grace
periods may be interest-free as long as you pay your bill each
month on time. A number of Visa cards offer a point system or a
cash back reward program. Cardholders can earn money while they
are spending cash. After the cardholder has earned sufficient
points, the cardholder can trade the points in for a trip,
stereo, or whatever the card lenders are offering. Visa cards
may offer a 2% or more cash rewards on purchases with a cash
reward limit of $500 each year. Make sure the card that you
select offers a 100% guarantee against fraudulent activities and
NO LIABILITY.
A few card lenders may not be concerned if your card is stolen
and will charge the cardholder anyway. Other card providers may
charge set amounts for the charges to your card.
One of the Top Picked credit cards online supposedly is the Low
Interest Citi Platinum Select. Few lenders offer 0% APR, with
normal APR 10.49%, and no annual fees. The card charges 0% on
purchases, and balance transfer up to one year.
The Terms & Conditions clarify that the APR is 0% up to one
year, but after the year, the standard APR rates will apply to
balance transfers and purchases. The standard APR is 10.49%.
Cash advance APR fees are 21.99%; however, each APR may rise
systematically and may increase to 30.99% "Variable default
rate."
So far, we've uncovered some interesting facts about Visa Credit
Cards. You may decide that the following information is even
more interesting.
Other charges include increases on "promotional rate" if the
cardholder fails to pay other creditors on the due dates. If the
card is used in the foreign regions, the cardholder will pay
fifty cents on financial charges, and 3% on all purchases. If
the cardholder takes out a cash advance then the holder is
subject to 3 percent interest per advance, and the minimum
balance is $5. Balance transfers are 3%, with $75 being the
maximum.
As you can see, reading the Terms & Conditions is wise, since
you may be biting off more than you can chew, especially if you
have credit issues.
The Chase Platinum Cards offer low intro APR rates on balance
transfers and purchase. The card has no annual fees, and
enrollment programs to earn points, earning free stays at
hotels, free flights, and more. Bill pay and secure accounts
online are also available.
Annual fees on purchase is 0% the first year, and 10.99%
Variable after, 'or 14.99% Variable for premium pricing."
Standard APR is 21.99% Variable rates.
Balance Transfers APR on the Elite and Premiums price rates are
0% "FIXED" for the first year, and 10.99% Variable on the Elite
price. Premium 14.99% Variable and Standard is 21.99% after the
first three grace periods. If you use the card for cash
advances, you will pay 22.99% on Premium and 22.99% on Standard.
Overdrafts are 13.99% FIXED and is not optional in certain
states.
The Discover Platinum, provided by some lenders offer 0%
Introductory APR, with no annual fees and 5% cash back rewards.
The program offers more if the cardholder shops at "bookstores,
home improvement" centers, gas stations, and some restaurants.
The cardholder will receive 1% cash back rewards on each
purchase made on the card. Gift card rewards are also offered
with the approval of the card.
Regardless of which card you choose make sure that you read all
the conditions pertaining to the cards. Some cards have
stipulations, while other cards do not. The APR is one of the
important charges consumers want to watch out, since the APR can
put you in debt.
As your knowledge about Visa credit cards continues to grow, you
will begin to see how Visa credit cards fits into the overall
scheme of things. Knowing how something relates to the rest of
the world is important too.
About the author:
About the Author: Hans Hasselfors is the founder of http://www.SubmitYourN
ewArticle.com. You may find varied Visa Credit Card articles in our article directory.
|
