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What happens when I charge my credit card over the credit limit offered?

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Some card companies on the Net offer you the chance of going completely paperless. It can be convenient, but there are those experts who argue that having a paper record may be a very good thing if you get into a dispute with your card company.

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Payment guidelines -- Some card companies require payments to be in by a certain hour on the due date, usually in the morning, or they will charge a late fee. This is especially important to know, as late payments can result in higher interest rates. Credit purity -- If you keep digging, you may find a clause that says your cardholder reserves the right to up your interest rate if it finds you have been late paying other bills. The AT&T Universal Card, bought by Citibank, is doing this now. Card customers were informed earlier this year that interest may shoot to 23.9 percent if a payment is not received by us or any other creditor within 30 days of the due date.

Have you run into some tough financial times in the past and have been rejected from credit card issuers? If so, secured credit cards are for you. Secured credit cards require a security deposit as a guarantee of payment for the financial institution. Applying for a secured credit card may be your only credit option if you have a less than perfect credit rating. If your goal is to repair your credit, secured credit cards are a great starting point. Check out the fine print to make sure the credit card that you are applying for reports to the credit bureaus to ensure that you will be improving your credit rating.

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Shopping Tips Keep these tips in mind when looking for a credit or charge card. Shop around for the plan that best fits your needs. Make sure you understand a plan’s terms before you accept the card. Pay bills promptly to keep finance and other charges to a minimum. Hold on to receipts to reconcile charges when your bill arrives. Protect your cards and account numbers to prevent unauthorized use. Draw a line through blank spaces on charge slips so the amount can’t be changed. Tear up carbons. Keep a record — in a safe place separate from your cards — of your account numbers, expiration dates and the phone numbers of each issuer to report a loss quickly. Carry only the cards you think you’ll use.

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In 1978, the Supreme Court ruled that a national bank could charge the highest interest rate allowed in their home state to customers living anywhere in the United States, including states with restrictive interest caps.

You can also get a free report if you are unemployed, planning to apply for jobs in the next 60 days, receiving public welfare assistance or believe the credit file contains mistakes resulting from fraud.

Agreement. Your card issuer will send you a cardholder agreement that describes the terms that apply to your card, including the interest rate charged, method of calculating interest and any transaction fees.

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Not only can you find card deals on the Web, sign up for them and have your card in the mail to you the same day, you can also take care of card business online.

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Interest starts mounting the second you make the transaction and you will be required to pay off lower-interest balances first. Merger madness -- In the last couple of years, more than 20 million Americans held credit cards that were taken over by new issuers. Customers have to be on guard for changes in terms, usually less favorable to them, if their card company is bought. Each company prices accounts differently. Most issuers take six months to a year to evaluate their new customer base after a merger, but watch out: With federal regulations requiring only 15 days notice on term changes, you may get the rug pulled out from under you in a hurry.

In a number of specific circumstances in many countries, travelers will find their credit cards indispensable when traveling overseas. However, a degree of caution and some dilligence in doing ones homework is in order before ever taking the trip. The major advantage of using credit cards overseas is protection from fraud. The Fair Credit Billing Act not only protects you from having to pay for bad merchandise inside the United States, it protects you when you make these purchases overseas as well. The condition is that the issuing bank must be a U.S. bank and you must be a permanent resident of the United States. This is one of the reasons why many credit card companies and their issuing banks will not issue cards to customers outside this country. American Express is an exception. Of critical importance here is proper maintaining of written records and documents. When buyong expensive items overseas such as jewelry and gifts, one should obtain a precise description of the intended purchase either in handwritten form from the merchant or clearly on the transaction slip. This will be of great value in case you wish to obtain a chargeback for fraud.

Over The Limit Fees: Most consumers who carry high credit balances do not pay their balances in full each month. This means that they are paying high credit card interest rates. When these interest charges accrue at compound rates, it is not that difficult to find oneself suddenly over their credit limit. Over the limit fees are steep, often as much as $25.00. If the over-limit status is carried on over different billing cycles, limit fees can be charged for each month.

Laws capping interest rates Q. Are there laws capping credit card interest rates?

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.