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The following is an example of how to compute the minimum monthly percentage on an account with a balance of $1,000, and minimum monthly payments of $20 and $25: Account balance Minimum monthly payment per statement Calculation Minimum monthly percentage $1,000 $20 $20 divided by $1,000 2.0% $1,000 $25 $25 divided by $1,000 2.5%

Soon you will be enjoying the many perks that a free visa card can provide for you. So why not browse the list of cards being offered by various financial institutions and apply for credit card today! You may find yourself wanting a couple cards to use under various circumstances depending upon your lifestyle.

Finance Charges: The term sounds confusing, but this is actually the most obvious of the charges on a credit card account. It is the interest charge on your account balance based on the fixed annual rate.

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You can definitely save money because if you find the terms are not favorable you can shop around for a better deal, says Detweiler. Check the Bankrate credit card rate tables to find the best credit card for your financial situation.

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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.

Be sure you are aware of your payment profile because the way you plan to pay your bills is important when it comes to choosing a card. Paying every cent every month (instead of paying just a part of it) changes what you are shopping for.

Balance. The amount of money you owe the card issuer, and includes purchases, fees, interest and transaction charges.

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Minimum Payment. The minimum amount you are required to pay the credit card issuer each month.

Disputes about Merchandise or Services. You can dispute charges for unsatisfactory goods or services. To do so, you must:

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Principal. Principal reflects the actual dollar amount of the purchases you made, or the balance that remains on your loan or credit card account.

Two-cycle Balances. Issuers sometimes use various methods to calculate your balance. This is just another computation method that credit card issuers use to calculate account balance. This balance is calculated by taking the sum of the average daily balances for two billing cycles. The first balance is for the current billing cycle and the second balance is for the previous billing cycle.

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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.

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Citibank, MBNA America and Discover charge $15 late fees to late payers with balances less than $100.

Other card companies refuse to cut low-balance customers any slack on late fees.

Annual Fees. Some card issuers may charge you a yearly fee in addition to the interest that accumulates when you make purchases

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There may also be a number of feature, benefits and perks that will come with your free credit card application offer. These will vary from offer to offer but the unique difference may be important to you in your decision.