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How many times have you received your bill and have an APR of 12% and then get another letter in the mail saying, apply today for 6% APR for 6 months or better yet 0%. I was tired of feeling cheated so I called up my credit card company after months and months of wondering what I could do to bring down my payments.

Cards may come with either a fixed rate or a variable rate of interest.

Your best move is to pay down the balance on this card as quickly as possible.

Transaction Fees:

Platinum Travel™ Visa® Travel the way you want. Travel rewards by land, sea and air1 Use your Platinum Travel Visa card for everyday purchases and earn award points toward exciting travel awards, merchant certificates and high-quality merchandise. Some of the great awards you can earn: Travel. Airline travel to destinations all over the world, vacation packages to Disney World, New Orleans, Key West and more. Plus cruise, golf and tour packages. Merchant certificates. Amtrak, restaurants, hotel stays, department stores, jewelry stores, toy stores, spa treatments and more. Merchandise. Ping golf clubs, Samsonite luggage, Windglider sail craft, canoes, kayaks, digital camera kits, watches and more. Points add up fast

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

Soon you will be enjoying all the many benefits that your free credit card online will provide for you. You will gain much financial freedom because you will have funds available anytime they are need. So go ahead and take a look at the offers listed on this site and apply for a credit card when you find one you like.

The card issuer also must disclose the periodic rate — the rate applied to your outstanding balance to figure the finance charge for each billing period.

What is a good first credit card?

But before you do, understand fully what each little online offer means. An online credit card bill payment may actually take longer, or cost more, than a snail mail payment for example.

Popular options commonly include: cash rebates on certain purchases (or in some cases all purchases) purchase protection -- a sort of insurance for what you buy with the card discounts on a lot of good and services insurance on such things as travel or auto rentals additional warranties or guarantees on certain products frequent flier miles

Check out our other credit card basics story and these questions will be seen in context. Find out: Is there an introductory rate, what is it and how long does it last? After that, what will my rate be? Is there an application fee? Are there processing fees? Is there an annual fee? Is there a late fee? Is there an over-the-limit fee? Are there any other fees, like account termination fees or balance transfer fees? When and how can a variable rate be changed? When and how can a fixed rate be changed? What is the grace period before interest is applied? How will you inform me of any changes in my contract? Will the company inform me if I am about to go over my limit? If I go over my limit, what happens? What is the company policy if I have trouble paying my bill? Related Stories: 10 questions to ask before getting a secured credit card Read that tiny type in your credit card agreement Step slowly onto the balance-transfer bandwagon

Gold or Platinum These are usually for the higher earners, offering higher credit limits and other benefits. They are sometimes thought of as a status symbol.

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.

If you choose to maintain joint accounts with your husband, realize that there is still a separate credit history for you as far as the credit bureaus are concerned, and you need to make sure that the payment history of the joint accounts are reported to the three main credit bureaus. If in doubt, order a copy of your credit report from all three credit reporting agencies to verify. You will find their addresses listed on our Credit Bureaus page.

How do cash advances from a credit card work?

Guide to Managing Credit -- Whether your credit is stellar or in the cellar, our guide will make it better. FAQ about credit cards -- Sixteen of the most frequently asked credit card questions.

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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After incorrect information has been removed, repeat the process with each credit bureau that carries the inaccurate information. This is necessary since the credit bureaus operate independently and changing records with one will have no bearing on the files at another bureau.

Debit Card. A debit card deducts the amount of your purchase directly from your checking account.

Buried deep among the colorful fliers advertising executive planners and calculators is information that may be more important to your bottom line than the Amount Due box. The clue to finding it? Look for the small print.

Earn up to 11% back for every purchase you make - Stockback MasterCard from Chase no annual fee credit line up to $100,000 a 2.99% Intro APR platinum features - like extended warranty protection, car rental insurance and more at no extra cost