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Chances are you’ve gotten your share of pre-approved credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept before the offer expires. Before you accept, shop around to get the best deal.

You’ll probably also want to consider if the credit limit is high enough, how widely the card is accepted, and the plan’s services and features. For example, you may be interested in affinity cards — all-purpose credit cards sponsored by professional organizations, college alumni associations and some members of the travel industry. An affinity card issuer often donates a portion of the annual fees or charges to the sponsoring organization, or qualifies you for free travel or other bonuses.

The first step toward repairing credit is to find out exactly what is owed and to whom. Current copies of credit reports should be obtained from all the major credit bureaus. Free copies of these reports are available if credit has been denied recently, usually within thirty to sixty days. If any inaccurate information is shown on any any of the reports, this information should be disputed. This action may be initiated by telephone but it is better to do this in writing for documentation. Credit bureaus must investigate disputes promptly, normally within thirty ydays. If this time passes and no correspondence or other communication is received, the credit bureau should be contacted again, both by telephone and in writing.

While they sound like general-purpose credit cards, some gold or platinum cards permit you to buy merchandise only from specialized catalogues. 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.

ATM Card. A card used in an automated teller machine (ATM) which may access a credit or a debit account to complete banking inquiries and fund transfers between accounts.

Past Due. When you do not make at least the minimum payment on time, your account is considered past due.

If you have a good credit rating and want to save money then low interest credit cards are your best bet. If you find that your spending habits have you carrying a balance every month, the sooner you have your low interest credit card, the sooner you will start saving.

If a marketer promises that a card is accepted at certain retail chains, verify it with the stores.

How to deal with a debt collector -- The law restricts how much they can harass you. PLUS: When the collection agency is wrong Why college students might need a credit card -- Not having a credit history can make post-college life more complicated and more expensive

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.

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If a marketer assures you that reliable information about you will be reported to credit bureaus, call the bureaus to confirm that the merchant is a member. Unless gold or platinum card merchants are subscribers to credit bureaus, they won’t be able to report information about your credit experience.

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As the owner or potential owner of a small business, there will come a time when you will need to make a variety of purchases/expenditures. Whether it’s for inventory, equipment, promotion, or travel, a business credit card can work for you. Many business credit cards are now aligned with the wide variety of frequent flyer and similar reward programs that add an extra bonus to the mix. You’ll want to make your selection wisely and will need a clear picture of what’s best for your business. Most importantly your business credit card must be affordable. A wrong choice could mean larger debt than you expected or budgeted for not to mention possible impact on your credit rating. A wisely chosen business credit card serve you, your clients and your business well.

The same principle applies to credit card late fees. In Smiley vs. Citibank in 1996, the Supreme Court gave national banks free rein on credit card fees as well.

Lower Your APR

Low interest credit cards are best suited for those people who tend to carry a balance on their credit card every month. The savings offered by low interest credit cards can outweigh the benefits of a rewards credit card. You should consider a low interest credit card if your balance is more than a few hundred dollars as you will save a substantial amount on interest charges. You will find that the credit card industry is very competitive and there are several financial institutions competing for your business and because of this competition some credit card issuers will offer low interest credit cards with introductory rates as low as 0%.

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