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Errors on Your Bill. Issuers must follow rules for promptly correcting billing errors. You’ll get a statement outlining these rules when you open an account and at least once a year. In fact, many issuers include a summary of these rights on your bills.

Use ‘900’ or ‘976’ telephone exchanges. Ads for gold and platinum cards may urge you to call numbers with ‘900’ or ‘976’ exchanges for more information. Phone calls with these prefixes—even if you never get the gold or platinum card are high cost.

Misrepresent prices and payments for merchandise. You’re not allowed to charge the total amount when you buy merchandise from gold or platinum card catalogues. Instead, you often must pay a cash deposit on each item you charge—an amount usually equal to what the company paid for the product. Only after you pay your deposit can you charge the balance. Also, catalogue prices can be much higher than discount store prices.

Charge up front fees, without saying there may be additional costs. Some gold or platinum card promoters charge $50 or more for their cards. 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. Yet, these catalogues are the only places you can use the cards.

How many credit cards should I have?

A number of credit card issuing banks will charge a currency convertion fee for purchases overseas. Since not all of them do this, it is worth your time to find a company which does not charge such a fee when you shop for a card. The currency convertion fee may be 1 or 2 percent of the amount charged. In countries where the dollar is particularly powerful, this tends not to be significant, in the big picture. In other nations, it can be a worthwhile consideration.

Because most major credit card companies are based in states with liberal or no usury laws, the sky is pretty much the limit with interest rates and late fees.

Such gold and platinum credit-card offers usually are promoted through television or newspaper advertisements, direct mail, or telephone solicitations using automatic dialing machines and recorded messages. People with low incomes often are the target of these sales pitches.

Average Daily Balance. This is the most common calculation method. It credits your account from the day payment is received by the issuer. To figure the balance due, the issuer totals the beginning balance for each day in the billing period and subtracts any credits made to your account that day. While new purchases may or may not be added to the balance, depending on your plan, cash advances typically are included. The resulting daily balances are added for the billing cycle. The total is then divided by the number of days in the billing period to get the average daily balance.

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You may use either your married name or your maiden name or both when applying for credit.

Apply Online for a Discover® Credit Card

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I called them about the credit card companies wanting to give me lower interest- and asked what I could do without going elsewhere and having more Credit Card inquiries on my report. They said that since I made all my payments on time and am in good standing with their Bank they would lower my rate and decrease my monthly minimum payments. It was that simple. I am now saving just for making a simple phone call. I tell my friends its the simple things you do to get your bills lowered.

Often credit bureaus will update files and not notify the individual. If this has happened, request a copy of the updated report. Credit bureaus usually furnish free updated copies. Be persistent until the inaccurate information is removed. It may have a great bearing on future creditworthiness.

Minimum monthly payment Q. How do credit card companies figure the minimum monthly payment?

You can cut interest and pay off your balance quicker just by freezing your minimum payment. If your current minimum payment is $150, then commit yourself to paying $150 or more each month until your card is paid off. Your card company will drop your minimum payment requirement as you chip away your balance. Ignore it. Stick with your frozen minimum payment and watch your debt melt away.

In recent years many financial institutions began marketing a complete range of credit cards featuring a wide variety of options. Some credit cards offer low interest rates where other’s offer benefits such as insurance coverage for travel and cash advances. A Discover® credit card offers you the most popular features and options for the cardholder. With a Discover® credit card you can arrange for no annual fee, online account access, and the Cashback Bonus award. Having a Discover® credit card allows you to redeem increments of $20 in a several ways through the Cashback Bonus award program. The innovative plan allows you to receive a Cashback Bonus as a direct payment to yourself, or as a credit directly applied to your Discover® Credit Card account. In addition, having a Discover® Credit Card allows you your choice of Card designs.

Avoid Becoming A Victim Of Gold And Platinum Card Scams

Debts on joint accounts Q. How do I keep my ex from running up credit card debts on a joint account?

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Transaction Fees and Other Charges. Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card.

Many credit card companies are now charging late payment fees of up to $25.00. The amount of grace period time you have from the payment due date until this fee is assessed varies from issuer to issuer. Since the date refers to the day of receipt of your check and not the date of postage, consumers who cut things close to deadline dates leave themselves open to such charges. What can be insidious about such fees is that some banks and credit card companies tag add these fee amounts to your outstanding balance and then charge you interest fees on the full amount.

Interest. A charge for borrowed money, generally a percentage of the amount owed.

The application for Visa credit card will tell you the annual fee and also the APR which is the annual percentage rate of the card. It is very important that you know both of these before you decide to apply.