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... Credit Counseling Service¦ Credit Traps Snag Consumers Nearly 20 years ago I worked for a small consumer advocacy organization in Washington, DC. Each week we received sacks full of mail from consumers across the country requesting our list of credit cards with low interest rates and no annual fees. If you wanted a low interest rate on a credit card back then, you often had to apply to a bank in Arkansas where interest rates were capped by state law. Those were the good old days. Now, interest rates range from zero percent to a high 39 percent. It's tougher to find (and keep) a good credit card than ever before. That's because there are many new traps that can snag unsuspecting consumers. At the top of the list is the "universal default clause" which allows issuers to monitor you credit report and raise your rate if you are late on ... bill that appears on your credit report. One major issuer, for example, will hike a 0 percent rate to 24.99 percent if you slip up! In fact, true "fixed rates" are rare. Many consumers don't realize that a "fixed" credit card rate isn't the same as, say, a fixed-rate mortgage. In most states, card issuers can raise the interest rate on a fixed-rate credit card with just fifteen days' written notice. The new rate can typically apply to existing balances as well as new purchases. Fees are also on the rise. Take late fees, for example, twenty years ago a late fee on a credit card was still fairly unusual, and typically wasn't charged unless you were 15 days late with a payment. Now you often must get your payment to the issuer by a certain hour in the morning or you'll be charged a ... fee of as much as $39. Go over the limit and you'll not only pay more interest, but a steep over limit fee as well. Foreign travelers are often charged a "currency conversion charge" of 1- 2 percent of the amount of their purchase. As the result of a class action lawsuit, Visa and MasterCard were ordered to provide refunds of those fees in certain circumstances. The problem wasn't that the fees were illegal, but it was determined they weren't properly disclosed. The case is being appealed. Here are some findings from the nonprofit Consumer Action's annual survey of credit cards( www.consumer-action.org ):-- The vast majority of surveyed cards have significantly higher penalty rates that are triggered by one or two late payments in a period of six months to a year.-- One-fifth of surveyed issuers have shifted to tiered late payments, which Consumer Action interprets ...

... complete picture of how a credit card bank might view you. How your credit report looks will determine which credit cards you quality for. Excellent Credit Reports Qualify For: If you are among the elite few who have managed your credit cards and other loans responsibly the bank will reward you with added perks such as airline points cards or low interest credit cards. There are many card offers that will reward your good financial habits with low or no annual fees, some great reward points as well as introductory rates of 0% APR with ongoing low interest rates. Typically the interest free period is 6 months but in some cases will be awarded to you for a full year. Since your credit is in excellent standing the interest free period might not be of concern to you as you are probably the type that pays your credit card balance in full every month. If this is the ... access credit card offers that suit your lifestyle. By providing you with some basic information, we are confident that you will be able to easily identify which are the best credit cards for you. There are literally thousands of offers online which make deciding on what cards apply to your needs very challenging. The best place to start when shopping around for credit cards is knowing your credit score- you are now entitled to a free credit report annually- order your 3-in-1 report to have a complete picture of how a credit card bank might view you. How your credit report looks will determine which credit cards you quality for. Excellent Credit Reports Qualify For: If you are among the elite few who have managed your credit cards and other loans responsibly the bank will reward you with added perks such as airline points cards or low interest credit cards. There are many card offers that will ... your good financial habits with low or no annual fees, some great reward points as well as introductory rates of 0% APR with ongoing low interest rates. Typically the interest free period is 6 months but in some cases will be awarded to you for a full year. Since your credit is in excellent standing the interest free period might not be of concern to you as you are probably the type that pays your credit card balance in full every month. If this is the case you should make your credit card comparisons based upon the rewards and extra perks offered by the bank- if you are paying your balance in full a 0% APR is really of no value to you. Good Credit Reports Qualify For: The good credit range is where the majority of people are with their personal finances. You will still qualify for a card offer that provides some great perks such ...

... others are triggered by certain circumstances. The most common fees are listed below. To get a better idea of what your credit card may cost to use over the course of a year, check your card's terms and conditions and your user agreement to see which fees may apply to you. Annual fee: An annual fee is charged for the privilege of having the card, whether you ever use it or not. Many credit cards offer no annual fee and a low interest rate to their best customers, or to those with excellent credit. If you're trying to recover from a bout with bad credit, your only choice may be a card with a relatively high annual fee. In that case, look for one with the lowest APR you can get, and be careful to avoid triggering other fees. Cash advance fee: When you use your credit card to get a cash ... Credit Counseling Service¦ Credit Card Disclosure Table- Do You Understand It All? In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances. The most common fees are listed below. To get a better idea of what your credit card may cost to use over the course of a year, check your card's terms and conditions and your user agreement to see which fees may apply to you. Annual fee: An annual fee is charged for the privilege of having the card, whether you ever use it or not. Many credit cards offer no annual fee and a low interest rate to their best customers, or to those with excellent ... . If you're trying to recover from a bout with bad credit, your only choice may be a card with a relatively high annual fee. In that case, look for one with the lowest APR you can get, and be careful to avoid triggering other fees. Cash advance fee: When you use your credit card to get a cash advance, there is often a cash advance fee. It may be a flat fee per cash advance (say $5, no matter how much cash you borrow), or a percentage of the amount advanced- 5%. This fee is in addition to interest that you will pay on the amount. Balance-transfer fee Usually, when you transfer the balance of one card to another, the credit card company will charge you a balance transfer fee. Like the cash advance fee, it may be a flat rate, or a percentage ...

... expires." Before you accept, shop around to get the best deal. Credit Card Terms: A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. 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. Annual Percentage Rate: The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account statements. Some credit card plans allow the issuer to change your APR when interest rates or other economic indicators- called indexes- change. Because the rate change is linked to the index's performance, these plans are called "variable rate ... programs. Free Period: Also called a "grace period," a free period lets you avoid finance charges by paying your balance in full before the due date. 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. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you'll have enough time to pay. Annual Fees: Most issuers charge annual membership or participation fees. Transaction Fees and Other Charges: A card may include other costs. Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your ... received your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal. Credit Card Terms: A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. 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. Annual Percentage Rate: The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account statements. Some credit card plans allow the issuer ...

... be jumping from one to another. Before signing up for one read the small print, remember it could save your business. Look out for special bonuses companies offer. Some times companies such as Visa or American Express join with other companies to save you money on anything from shipping or office supplies Here are two small business credit card options but look around for more and weigh up the benefits for each one American Express Business Gold Card? No annual fee for the first year? No pre-set spending limit? Save at known brands, such as Staples, FedEx and Hertz? When you enroll in the Membership Rewards program, you earn points virtually every time you use your eligible, enrolled Business Card.? Online Account Management? Car Rental Loss and Damage Insurance CitiBusiness® Platinum Select® Card The CitiBusiness® Platinum Select® Card is the card built for small businesses and includes: ... A generous credit line? Low rate on purchases? Additional cards for employees? Free quarterly and annual account summaries? Free 'Ask the Experts' service Inexpensive Shopping on Credit Counseling Service: RELATED ARTICLES All Is Fair In Love, War, and, Your Credit Report- At Least It Should Be! Understanding the FCRA Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Credit Cards, Merchant Accounts, and Your Bottomline Q: I'm opening a gift shop and want to be able to accept credit cards. I talked to the branch manager at my bank, but he didn't seem to know much about how it all worked. First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers Under the Fair Debt Collection Practices Act, collectors are not allowed to ... a consumers past due debt to anyone other than the debtor and in some cases a spouse. The Telephone Consumer Protection Act would have required collectors to identify the registered name of their business in any pre-recorded messages to consumers or debtors. Ethical Finance: Who Benefits From Our Spending? On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ironically ActionAid, an international development agency whose aim is to fight poverty worldwide.Financial comparison site moneynet. Five Reasons to Repair Your Credit Score- You Can Do It Yourself There are multiple reasons that tell us why we should have a 700+ Credit Score, but these five facts will definitely give you the big picture and hopefully will drive you to want to ...