credit cards
Beware of credit cards that start out with high interest rates and that tie the interest rate to any economic indicator. Many offers include several thousand bonus miles with your first purchase with the card, and often have a 0% introductory APR. Some creditors also exclude unpaid finance charges. Marketers of these credit cards often promise that by participating in their credit programs, you will be able to get major credit cards (such as an unsecured Visa or MasterCard), lines of credit from national specialty and department stores, better credit reports, and other financial benefits. You also want to be incredibly diligent about paying your card bills on time. Some 'gold' or 'platinum' card promoters charge $50 or more for their cards. At the latest, you also must receive information, before you become obligated on the account, about any limitations on how much and how often your rate may change. You may also want to ask about these terms when you’re shopping for a card. They viewed a customer with a high credit limit as being susceptible to other more compelling offers from their competition. Pay your credit card bill online. These companies make piles and piles of cash from their credit card portfolios. Most people think they just haven’t got the time to sift through all of the information available. If your card is used without your permission, you can be held responsible for up to $50 per card. Unfortunately, older or less sophisticated consumers are often the victims of these bait and switch tactics as the disclosures required before the grace period adjustment are cleverly worded and hidden amidst other text. We have hundreds of low interest credit card offers to choose from, most of which offer instant online approval. Credit is a privilege and a convenience. But to do so you or your company should have buying power and that's exactly the business credit card provides. Just like a report card or a resume, a credit report is used to document your performance; in this case, your financial performance. Both normally have higher rates and additional fees as compared to standard cards. Most issuers charge annual membership or participation fees. Extended Warranty, Theft and Damage Protection. And a potential employer may even assess an applicant's credit report prior to extending a job offer. Changes in the cardholder agreement may be made, with written advance notice, at any time by the issuer. Many lenders have incredible offers on credit cards and financing contracts: zero-percent interest; six months, no payments due. Welcome to ! Periodic rate -- The interest rate described in relation to a specific amount of time. They are essentially always using someone else’s money for free. Chances are you've gotten your share of pre-approved credit card offers in the mail, some with low introductory rates and other perks. Over-the-limit fee -- A fee charged for exceeding the credit limit on the card. Only after you agree to pay this fee are you told there's an additional fee, sometimes $30 or more, to get the merchandise catalogues. Unauthorized Charges. Recent research revealed that more than 60% of people don't know the interest rate they are currently being charged on their credit card. If you find a mistake on your bill, you can dispute the charge and withhold payment on that amount while the charge is being investigated. Most card issuers offer a 25 day grace period in which to pay for new purchases without incurring finance charges. People apply for credit cards for various reasons, and no two people's intentions or needs are the same. Unless 'gold' or 'platinum' card merchants are subscribers to credit bureaus, they won't be able to report information about your credit experience. 0% Balance Transfer - If you are carrying a large balance on one or more credit cards, paying down your debt may seem impossible as the minimum payments due often barely cover the interest being charged. A variation on the annual fee scheme that a few banks use is a transaction fee. Worden understands the temptation to use a home equity loan to clear up credit card debt, but she says homeowners need to think hard before doing it. Many online shopping sites offer significant discounts on their products. Carry only the cards you think you'll use. Payments sent to the wrong address could delay crediting your account for up to five days. They often range from $25 to $50, sometimes up to $100; gold or platinum cards often charge up to $75 and sometimes up to several hundred dollars. 6% who respond, fewer will actually ever open and use the account that they’ve applied for. Late payments will stay on your report for seven years and bankruptcies for ten. Of course, once all of these things have been accomplished, it’s time to work on adding some stability to your credit report. Maybe they don't come down on the sticker price. The result? Also called a grace period, a free period lets you avoid finance charges by paying your balance in full before the due date. A card may include other costs. Virtually all 0% interest rate credit cards offer no interest for a limited amount of time, usually six months. The error might be a charge for the wrong amount, for something you didn't accept, or for an item that wasn't delivered as agreed. Two-cycle Balances. Also, catalogue prices can be much higher than discount store prices. Charging business items on your personal charge card not only creates a tax record keeping nightmare, but it could be used by the IRS as prima facia evidence for piercing the corporate veil. It credits your account from the day payment is received by the issuer. A business credit card is exactly as the name implies, a credit card designed especially for businesses. In this country as long as you have a salary and a decent credit rating you can buy a car and a home complete with furnishings all using someone else’s money. paying a low interest rate and a lower sticker price? Mike ends up owing $265 to his credit card company, and he has not even covered any of his purchase charges! Rarely, however, can you improve your credit rating or get major credit cards by buying 'gold' or 'platinum' credit cards. You also may want to ask about these terms when you're shopping for a card. Further, they’ve managed to self justify the means almost as to seem normal. So, how do you choose the right card? Misrepresent prices and payments for merchandise. Some of these cards do not allow you to transfer balances from high-rate interest cards during the introductory 0% offer period. Examine the fine print carefully before you accept any offer for a credit or charge card. And, of those who do revolve a balance, fewer still will actually pay their bills on time. It details how well you have paid your bills and used financial tools such as credit cards and checks. Some cards with low rates for on-time payments apply a very high APR if you are late a certain number of times in any specified time period. Look out for card-related bargains. The exceptions are if the payment is not made according to the creditor's requirements, or the delay in crediting your account won't result in a charge. Reward Cards - If you use credit cards often, or are planning on making a large purchase and would like to benefit from using a credit card, there are many credit cards that are now offering various rewards for their use. You can also find 0% APR credit cards associated with such entities as college alumni associations or with specific professions. Remember to make the most of an interest-free deal, you'll want to pay off that balance in-full before the teaser rate ends. You can dispute charges for unsatisfactory goods or services. We have reviewed various companies and the credit cards they offer, and have narrowed the list down to a few select companies, whom we believe offer the best credit cards available for consumers. Credit terms vary among issuers. Bank One's Platinum Visa Card charges a 3-percent balance transfer fee, capped at $50. Tear up carbons. You pay for phone calls with these prefixes -- even if you never get the 'gold' or 'platinum' card. And they’ve figured out plenty of ways to separate you from your hard earned dollar. A credit cash advance is a trouble free way you can get cash anywhere in the world. Look for offers that use an adjusted balance, which subtracts your payment from your beginning balance. The subprime market that was created a few years ago literally extends credit to just about anybody. You are charged interest on everything from the day you buy it, even if you pay on time. It is a great opportunity if you make a concerted effort to get rid of the debt. This method gives you until the end of the billing cycle to pay a portion of your balance to avoid the interest charges on that amount. As every credit card provider scores differently, there are no set rules that improves a credit score. Prepaid Cards - These cards are also referred to as secured credit cards. Prove them wrong. Information about delinquency rates should be disclosed to you in credit card applications or in solicitations that do not require an application. People who live in lower-income areas often are the target of these sales pitches. Average Daily Balance: This is the most common calculation method. how the rate is determined - which index is used and what additional amount, the margin, is added to determine your new rate. Remedy: Pay all you can monthly. There are, however, several things you should understand before you get 0% interest rate credit cards. Taking advantage of these offers can be the key to getting out of debt quickly. We're seeing the results of promos that started a couple years ago and are ongoing. If you don't understand the language, credit card offers and statements could lead you to deep debt -- or at least furious frustration. Make sure to get one from all three because they all may be slightly different thanks to varying criteria for credit scoring. In other countries the protocol calls for saving your money and paying cash for your belongings.
Low Interest Rate Credit Cards Guide 

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Credit Cards Guide:
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Credit Cards		 Sort by
Intro APR		 Sort by
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Annual Fee		 Notes
American Express Rewards Green Card-----$65Charge Card
Business Gold Card from OPEN-----$75Charge Card
American Express Rewards Gold Card-----$90Charge Card
Business Green Rewards Card from OPEN-----$95Charge Card
Advanta Platinum Business Card with Rewardsfixed 7.99fixed 7.9920 days$0Business Card
Cash Back
Travel Rewards
Chase Platinum Credit Cardfixed 0.0012 monthsvariable 10.99variable 22.9920 days$0
Blue from American Expressfixed 0.0015 monthsvariable 11.24variable 22.2420 days$0Reward Program
IN NYC Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
IN Chicago Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
IN LA Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
Value Miles Platinum Visa Credit Cardfixed 0.0012 monthsvariable 11.74variable 21.7420 days$0Air Miles
Blue Cash from American Expressfixed 0.006 monthsvariable 12.24variable 22.2420 days$0Cash Back
Advanta Platinum Business Cardfixed 0.0012 monthsvariable 12.49variable 12.4920 days$0Business Card
Sony Cardfixed 0.0012 monthsvariable 12.99variable 21.7420 days$0Sony Rewards
Starbucks Card Duetto Visafixed 0.006 monthsvariable 12.99variable 21.7420 days$0Starbucks Rewards
Volkswagen Platinum Visa Cardfixed 0.006 monthsvariable 12.99variable 21.7420 days$0Volkswagen Rewards
Chase Cash Plus Rewards Visa Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Gift Rewards
Perfect Credit Card from Chasefixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Chase Flexible Rewards Platinum Visa Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Air Miles
Gift Rewards
Borders Waldenbooks Platinum Visa Credit Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Borders Waldenbooks Rewards
Hess Visa Platinum Card from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Hess Gas Rewards
Universal Entertainment Mastercardfixed 0.006 monthsvariable 12.99variable 22.0020 days$0Gift Rewards
Subaru Platinum Mastercard from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Subaru Car Rewards
Toys R US Visa Card from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Gift Rewards
Disney Visa Credit Cardfixed 0.006 monthsvariable 12.99variable 22.0020 days$0Disney Rewards
British Airways Visa Signature Cardfixed 4.905 monthsvariable 15.99variable 21.7420 days$75Air Miles
Citi mtvU Platinum Select Visa Card for College Studentsfixed 0.006 monthsvariable 16.99variable 22.2420 days$0Student Card
Gift Rewards
Citi Platinum Select Card for Studentsfixed 0.006 monthsvariable 16.99variable 22.2420 days$0Student Card
Marathon Platinum Matercard from Chasefixed 0.006 monthsvariable 16.99variable 22.9920 days$0Gas Rewards
Speedway SuperAmerica Platinum Mastercardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Gas Rewards
Chase Ultimate Rewards Express Student Cardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Student Card
Gift Rewards
Universal Entertainment Student Mastercardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Student Card
Gift Rewards
United Milesage Plus Visa Credit Cardvariable 16.99variable 21.4920 days$60Air Miles
Continental Airlines World Mastercard from Chasefixed 7.996 monthsvariable 16.99variable 22.9920 days$85Air Miles
Gold Delta SkyMiles Business Credit Card from OPENvariable 17.24variable 22.2420 days$0Business Card
Air Miles
Citi Drivers Edge Visa Cardfixed 0.006 monthsvariable 17.24variable 22.2420 days$0Student Card
Car Rewards
Citi Dividend Platinum Select Card for College Studentsfixed 0.006 monthsvariable 17.24variable 22.2420 days$0Student Card
Cash Back
Hilton HHonors Platinum Credit Cardfixed 2.906 monthsvariable 17.24variable 22.2420 days$0Hotel Rewards
Starwood Preferred Guest Credit Cardfixed 2.906 monthsvariable 17.24variable 22.2420 days$0Hotel Rewards
JetBlue Card from American Expressvariable 17.24variable 22.2420 days$40Air Miles
Gold Delta SkyMiles Credit Cardvariable 17.24variable 22.2420 days$85Air Miles
Discover Platinum Credit Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Cash Back
Miles Card from Discover Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Air Miles
Discover Titanium Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0
Discover Platinum Gas Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Cash Back
Gift Rewards
Platinum Business Credit Card from OPENfixed 0.0012 monthsvariable 10.24variable 22.2425 days$0Business Card
Blue for Business Card from OPENfixed 0.0012 monthsvariable 10.24variable 22.2425 days$0Business Card
Business Cash Rebate Card from OPENfixed 0.006 monthsvariable 10.24variable 22.2425 days$0Business Card
Cash Back
Blue Cash from Business Credit Card from OPENfixed 0.006 monthsvariable 10.24variable 22.2425 days$0Business Card
Cash Back
Discover Student Credit Cardfixed 0.00Through 7/2006variable 15.74variable 22.9925 days$0Student Card
Cash Back
WorldPerks Visa Platinum Cardvariable 16.75variable 21.9925 days$55Air Miles
One from American Expressvariable 13.24-30 days$0Cash Back
Gift Certificates


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