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Definitions • Credit card terms How do I ...? • Find a better credit card? Calculate • Get a personalized credit-health assessment • Calculate the real cost of your debt • What will it take to pay off your credit card? • The true cost of paying the minimum More

One of the first things the issuer will do is pull a copy of your credit report. Issuers take a close look at your credit history to determine whether to take the risk of giving you a credit line.

Secured Credit Card. A consumer uses savings or cash deposit to guarantee the credit card or loan; the limit of credit is based on the amount of deposit available.

Affinity Card. A credit card endorsed by groups such as colleges, sports teams, professional organizations, or special interest groups that are offered to their alumni, fans or members.

Do a little comparison-shopping and you might find a card with the same rate for at least a year or another card with the same deal but no annual fee.

Performance (or Risk Based) APR. It is similar to a variable APR but it is based on your payment performance. APR may go up because of a late payment or late payments; conversely, it may go back to the standard APR if you send your payments on time for a certain period of time (typically one year).

Average Daily Balance Method. This is one of the most common computation methods that credit card issuers use to calculate account balance. 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.

Is there an introductory rate, what is it and how long does it last? After that, what will my rate be?

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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.

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 Chase credit card offers many features and options for the cardholder. Some of which are, customer service 24 hours a day, 7 days a week, Convenience Checks to use instead of your Chase credit card, and you can request additional cards at no extra cost! A Chase credit card takes the worry out of accessing cash when traveling abroad by allowing you access at banks and ATM’s worldwide. You will also have access to valuable services such as transferring high interest balances to your lower interest Chase credit card. The benefits of holding a Chase credit card are great. Take a minute and check it out, you will see the flexibility and services that await you.

If you’re looking for credit, be wary of some gold or platinum card offers promising to get you credit cards or improve your credit rating.

Credit Limit. The maximum amount you may charge on a credit card. Under some circumstances, your card issuer may increase or decrease your credit line.

Credit card offers ... Charging against your paycheck -- Payroll deduction credit cards let workers borrow future wages. More credit card stories

What type of credit card? There are various types of credit card, other than standard cards, that you may want to choose between.

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3) A Debit card forces you to limit your spending and avoid credit card debt. This prevents you from falling into the typical credit card trap of only making your minimum monthly payments and thus having to pay huge interest on outstanding balances which can put you in a financial hole.

Using the Web to get and manage your credit card

If you pay your balance in full every month, the best credit cards for you would be rewards credit cards. A low interest rate will not be of any benefit to you because when you pay your balance in full you will pay little or no interest. The benefits offered by rewards credit cards would be best for you. You can enjoy rewards such as cash back, airline and many other rewards. Do you have less than perfect credit? If so, the best credit cards for you would be secured credit cards or credit cards designed to help you re-establish your credit.